Wednesday, October 31, 2012

BMO: Boomers warned housing-based retirement ... - Financial Post

About a third of Baby Boomers plan to sell their home to fund their retirement, according to a study that questions whether buyers will dry up as that massive segment of the population downsizes.

Bank of Montreal is warning Boomers not to count on that nest egg, while other observers suggest that even if prices don?t plunge, big increases in property values are a thing of the past.

?They shouldn?t be relying on their homes because there are risks,? says Marlena Pospiech, a retirement strategist at the BMO Retirement Institute.

The bank suggests the following risky scenario: As Canada?s population ages, more Boomers will be retiring and selling their homes, putting downward pressure on prices.

[Boomers] could be in serious financial trouble if they are relying on their home, especially if they are highly leveraged

BMO also says tighter lending standards and higher interest rates could reduce the number of eligible homebuyers and push people into smaller and less expensive homes.

The bank?s survey suggests 34% of homeowners are unsure if they will sell their home before retirement. The concern seems to be that 40% of respondents say they are not confident in their ability to save for retirement and 41% say they might just end up using their homes to shore up any shortfall in their golden years.

?You want to have options when you retire, you don?t want to feel you are forced to sell to tap into any equity,? says Ms. Pospiech, adding the problem is compounded if prices fall. ?[Boomers] could be in serious financial trouble if they are relying on their home, especially if they are highly leveraged.?

Don Lawby, chief executive of Century 21 Canada, has heard warnings about a lack of buyers for Boomer homes before. ?I don?t buy it; I think it?s just talk,? he says.

For starters, he says, there is little indication immigration is going to slow and, increasingly in places like the Vancouver area, where he resides, immigrants have more money to buy the single-family homes of the Boomers.

?I think single-family detached are becoming a bit of a luxury,? says Mr. Lawby. But he says even townhouses and condos will continue to rise in price because of rising land costs. ?They are not making any more land.?

He says prices in big cities, in particular, will continue to rise and increase equity that could some day fund a retirement.

?If I had wonderful single-family home in [a small town], I can?t retire on the increased value, but in major cities I think they are just wrong.?

That might sound like the usual realtor?s optimism, but demographers say a collapse in prices based on Boomer homes flooding the market isn?t reality either.

?There is going to be continuing demand for housing as long as we bring in 250,000 immigrants a year,? says Doug Norris, chief demographer at Environics Analytics.

Given the creation of about 175,000 households each year (based on the latest census data), that?s plenty of demand.

Boomers are also living longer and may not downsize as quickly as they have in the past.

?There is just no strong evidence of what will happen,? says Mr. Norris.

Demographer David Foot, author of Boom, Bust and Echo, believes there are enough children of Boomers to soak up the housing supply.

?The Boomers have been averaging about two kids per family [in the U.S.] and replacing themselves,? says Mr. Foot. ?It?s a bigger issue in Canada because the Boomers only had about 1.6 or 1.7 kids per family. The echo isn?t quite as big.?

He predicts the twenty somethings today that have been driving the condo market will at some point buy into single-family detached homes.

?There are enough of them to buy the Boomers? houses.?

His more pressing worry is for the condominium segment.

?It is question of whether they will move out to the suburbs to raise their kids like every other generation has,? says Mr. Foot. ?My concern is who will buy all the condos when the twenty somethings vacate them.?

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Source: http://business.financialpost.com/2012/10/31/boomers-warned-using-home-sale-to-fund-retirement-could-backfire/

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Psychology Post Doctoral Resident [SAC 102312] ( Job Number ...

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Source: http://scholarshipdb.com/psychology-post-doctoral-resident-sac-102312-job-number-157787-at-kaiser-permanente-in-roseville-us-2.html

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Scherzy Roundup! On Long-Distance Relationships/Chris Brown

Nicole Scherzinger: How To Handle a Long-Distance Relationship
Nicole Scherzinger has been dating F1 driver Lewis Hamilton for four years and recently she has spoken about how difficult it is to conduct a well-working long-distance relationship. In fact, she said to the Sun that she "wouldn't wish it on anyone."

However, despite the difficulties and hardships that are inevitable in the kind of relationship they have, Scherzinger believes that she and Hamilton have a strong relationship based on trust. This was really put to the test recently when photos of the X-Factor judge getting a little too close for comfort to Rihanna's ex, Chris Brown. She confounded the rumours, "You are always going to have people saying something or having a picture." She said, "But it is complete dross if you and your partner know what the truth is. Chris Brown and I are definitely just mates - I have known him since he was younger than 16." And in the Metro she is reported talking about press in general; 'It's a part of it, you know, and you just got to pay no time to it. The press does not define you, you know who you are deep inside."

Using words such as 'mate' she seems to have forgotten who she is deep down inside (lol wtf), opting for British terminology rather than American. However this is probably all due to Hamilton's family who have embraced her wholly and integrated her into London life. As reported, "Lewis has helped her settle in London by introducing her to his pals, adding that his family has also been a huge help."

X Factor 2012: Olly Murs enjoys "banter" with Nicole Scherzinger

Xtra Factor co-host Olly Murs has said he enjoys banter with Nicole Scherzinger, but insisted he wouldn?t go any further!

Olly has made no secret of fancying the US singer since first meeting her on last year?s show.

He said today: ?Nicole and I enjoy a bit of friendly flirting during the show. She?s one of the hottest girls on the show.

?You?d have to be gay not to fancy Nicole! Things won?t go any further than my crush ? she has a boyfriend and it?s just a bit of banter for the show.?

Speaking to the X Factor website at ITV1.com, Olly continued: ?I think all four Judges look amazing this series. Tulisa and Nicole dress so differently but both always look very glamorous.

?Nicole?s catsuit was VERY distracting. Goodness knows how her Boys managed to concentrate that night!?

Meanwhile, Olly insisted that all four judges were all speaking terms after the weekend?s spats on the live shows.

He said: ?We covered the Tulisa/Gary spat on The Xtra Factor. Gary apologised to Tulisa on our show and you could see he really meant it. I don?t think he meant to say what he did and you could see he was genuinely sorry. Gary?s a great guy. Everything seems cool with the Judges now!?

Nicole Scherzinger stuns in a sexy sheer catsuit on Halloween X Factor special

Nicole Scherzinger certainly embraced the Halloween theme on Saturday night's X Factor in a super sexy sheer jumpsuit.

The singer wore a black lace and embellished all-in-one and topped her crimped hair with a dramatic black headpiece.

Nicole was overheard saying to host Dermot O'Leary earlier in the day: 'I just want to wear something really simple tonight.'

Er, Miss Scherzinger must have changed her mind then.

Shame Nicole's boyfriend Lewis Hamilton was in India for the Grand Prix and missed the spectacle, but designer Julien Macdonald got very excited, Tweeting: 'Did you all see @NicoleScherzy in @JulienMacdonald catsuit last night on @Xfactor! Wow!'

We can't wait to see what next week brings for the Scherzy style show.

source 1 | 2 | 3

any experiences with/thoughts on long-distance relationships, ontd ?

Source: http://ohnotheydidnt.livejournal.com/73158177.html

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Friday, October 26, 2012

Destiny Of Love

Destiny Of Love

Have You ever wounder what it is like to fall in love with a Vampire?

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Game Masters:

This topic is an Out Of Character part of the roleplay, ?Destiny Of Love?. Anything posted here will also show up there.

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Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "Destiny Of Love"

You may edit this first post as you see fit.

User avatar
Katheryn_Love
Member for 0 years



Ill gladly take the slayer please

User avatar
ceh12
Member for 0 years


Okay, i will resever The slayer for you. Make him on your own time. No rush.

User avatar
Katheryn_Love
Member for 0 years


Okay Ill probably have him up either today or tommorrow

User avatar
ceh12
Member for 0 years


Okay, i will accept when i see that you have made the charater. :D

User avatar
Katheryn_Love
Member for 0 years



Post a reply

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Thursday, October 25, 2012

Healthy Skin Care Tips in Your 40s | Healthmeup.com

You can be beautiful in your 40s, just look at Cameron Diaz, Jennifer Lopez and Jennifer Aniston. You may argue that they have an entourage of specialists and luxury skin products. That doesn?t mean you give up on looking good, feeling fresh and dressing classy. Today a gynec and a dermatologist will share ways to maintain supple and ageless skin in your 40s.*Images courtesy: ? Thinkstock photos/ Getty Images and *Image courtesy Reuters

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Akin repeatedly arrested at 1985 abortion protests

ST LOUIS (AP) ? Missouri Senate candidate Todd Akin was repeatedly arrested during anti-abortion protests in the 1980s, including at least once when police had to carry him away, a newspaper reported Tuesday.

Akin, who is challenging Democratic Sen. Claire McCaskill in the Nov. 6 election, acknowledged last month during a campaign event that that he had been arrested about 25 years ago as part of an anti-abortion protest. But Akin has repeatedly declined to discuss additional details.

The St. Louis Post-Dispatch reported on its website Tuesday that its newspaper archives include at least three accounts of Akin being arrested in March and April of 1985 for criminal trespass and resisting arrest at abortion clinics in the St. Louis area. He apparently never was charged.

The St. Louis police department also confirmed in response to an open-records filed by a representative of the liberal advocacy group People For the American Way that Akin was arrested May 9, 1987, but it said records of the arrest were closed under state law because Akin never convicted.

Akin's firm anti-abortion stance gained national attention in the Senate race when he remarked in a mid-August TV interview that women's bodies have ways of avoiding pregnancy in "legitimate rape." Akin repeatedly apologized and said he was wrong, but Akin has continued to emphasize that he opposes abortion in all instances except rare cases when it is necessary to save the life of the woman.

A video circulating on the Internet in September showed Akin discussing his past involvement in abortion protests during a speech to supporters. He was recorded as saying: "You know, don't tell anybody I'm a jailbird." He explained: "a bunch of us sat in front of these doors and the police gave us a ride to the free hotel for a while, and you know how it goes."

At a Kansas City news conference last month, Akin confirmed he had been arrested about 25 years ago but provided no further details. His campaign said at the time that it would release additional details but never did so.

Asked last Saturday by The Associated Press to elaborate on when and where he was arrested, Akin again declined to do so.

"We're not talking about that at all," Akin told the AP. "It was 25 years ago, and I think it underlines the fact that I stand up for the things I believe and I'm pro-life, and we're just leaving it there."

Akin campaign adviser Rick Tyler said Tuesday that Akin does not dispute the Post-Dispatch account of his arrests but still has nothing more to say.

McCaskill's campaign declined to comment Tuesday about Akin's arrests. McCaskill canceled her campaign events through the rest of the week to be with her critically ill mother, who was in the hospital Tuesday.

The newspaper said it had missed the 1985 arrests in previous searches of its archives because the news stories had listed Akin by his first name, William. Akin went by his middle name, Todd, when he began his political career by running for the state House in 1988. He has continued to go by Todd Akin since winning election to Congress in 2000.

According to the Post-Dispatch archives, a 37-year-old William Akin from Creve Coeur ? whose name and address matches other information about the future lawmaker ? was among a group of protesters arrested on March 15, 1985. The newspapers account said: "Nineteen anti-abortion demonstrators who refused to leave the waiting room of an abortion clinic in the Central West End were carried out by St. Louis police officers."

Three weeks later, another six protesters, including Akin, were arrested at another St. Louis demonstration. "Police had to carry Akin into an elevator," the story said.

On April 5, 1985, Akin was arrested again as one of 10 protesters who were "attempting to block entrances" at the Hope Clinic for Women in Granite City, Ill., according to the paper. One clinic employee told the paper that the protesters caused minor damage and leveled "verbal abuse" at women entering the clinic.

Source: http://news.yahoo.com/akin-repeatedly-arrested-1985-abortion-protests-224905200--election.html

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Wednesday, October 24, 2012

John Cena to face the WWE Universe?s questions on Hell in a Cell Pre-Show

Newly implicated in the ?AJ scandal? that forced Ms. Lee to resign as Raw?s General Manager Monday, John Cena will face questions asked directly by the WWE Universe during the live WWE Hell in a Cell Pre-Show Sunday. Fans will be able to submit questions via Twitter, Tout and Facebook, using the hashtag #CenaPreShow.

The Pre-Show ? which will stream live on WWE.com, Facebook.com/WWE and YouTube.com/WWE starting at 7:30 p.m. ET/4:30 p.m. PT ? will mark Cena?s first appearance before the WWE Universe since ?the AJ scandal? became public. Questions need not be limited to the embattled now-former GM, though.

AJ resigned as Raw?s GM hours after being called into an impromptu meeting with the WWE Board of Directors Monday. In resigning, AJ left a post that she held since July 23. Her temporary successor, Managing Supervisor Vickie Guerrero, later accused AJ of having an affair with a Superstar, and WWE cameras caught AJ informing Cena that he was the alleged Superstar. (READ: The AJ Scandal: Did AJ have an affair?)

Cena has outright denied claims of an affair, saying only that he and AJ had a ?business meeting? the week before. AJ has concurred with his account.

However, on Sunday, before the WWE Hell in a Cell pay-per-view, the WWE Universe will get its chance to ask the hard questions of the Cenation leader.?What will happen when the 12-time World Champion, who was already engulfed in a volatile rivalry with WWE Champion CM Punk before the ?AJ scandal? broke, faces the scrutiny of the WWE Universe?

Don?t miss out on this high-stakes event, when it streams live Sunday, beginning at 7:30 p.m. ET/4:30 p.m. PT. (HOW TO WATCH WWE HELL IN A CELL)

View Comments

Source: http://www.wwe.com/shows/hellinacell/2012/john-cena-pre-show

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Another Patass? Official Tells Trial Bemba Did Not Command Troops

Today, another former official in the government of Ange-F?lix Patass?, the late president of the Central African Republic (CAR), told the war crimes trial of Jean-Pierre Bemba that the accused did not command his troops stationed in that country during 2002 and 2003.

Testifying with protective measures, 'Witness D04-64' stated that on a visit to the conflict country, Mr. Bemba told his Movement for the Liberation of Congo (MLC) troops that they were under the command of Central African authorities. "He told them to respect Bombayake as himself," said the witness. Ferdinand Bombayake was the commander of Mr. Patass?'s presidential guard, the group that championed the counterinsurgency.

Like four other defense witnesses before him - also former officials in the Patass? regime - 'Witness D04-64' commenced his testimony today by recounting the arrival of the MLC and the logistical support provided to them by Central African authorities.

He said the Congolese troops arrived on Central African territory on October 30, 2002 aboard a ferry. Upon arrival, General Bombayake provided the troops with uniforms of the presidential guard. He also gave them communication devices, weapons, and 4??4 vehicles. 'Witness D04-64' said some of the MLC troops arrived with "some" handheld weapons, but these were not sufficient for the operations they were to carry out.

The witness also testified that Central African authorities gave Mr. Bemba's soldiers a monetary allowance drawn from the national treasury to cater for their food and other necessities.

"The Director General of the Treasury gave a suitcase full of money every day to General Bombayake who would then contact Mustafa and together they would take that money and distribute it to the soldiers on the ground," said 'Witness D04-64'. General Mustafa Mukiza was the commander of Mr. Bemba's soldiers who intervened in the conflict.

Asked by defense lawyer Aim? Kilolo-Musamba how he knew all this, the witness responded, "All this happened in front of us at the residence of the president."

Source: http://allafrica.com/stories/201210230023.html

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Mortgage Applications Decrease in Latest MBA Weekly Survey ...

WASHINGTON, D.C. ? October 24, 2012 ? (RealEstateRama) ? Mortgage applications decreased 12.0 percent from one week earlier, according to data from the Mortgage Bankers Association?s (MBA) Weekly Mortgage Applications Survey for the week ending October 19, 2012.

The Market Composite Index, a measure of mortgage loan application volume, decreased 12.0 percent on a seasonally adjusted basis from one week earlier, but that week included an upward adjustment for the Columbus Day holiday. On an unadjusted basis, the Index decreased 2 percent compared with the previous week. The Refinance Index decreased 13 percent from the previous week to the lowest level since late August. The seasonally adjusted Purchase Index decreased 8 percent from one week earlier. The unadjusted Purchase Index increased 2 percent compared with the previous week and was 7 percent higher than the same week one year ago.

The refinance share of mortgage activity decreased to 81 percent of total applications from 82 percent the previous week. The adjustable-rate mortgage (ARM) share of activity increased to 4 percent of total applications.

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($417,500 or less) increased to 3.63 percent from 3.57 percent, with points increasing to 0.45 from 0.44 (including the origination fee) for 80 percent loan-to-value ratio (LTV) loans. The effective rate increased from last week. The 30-year fixed rate increased for three consecutive weeks to the highest level since late September.

The average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $417,500) increased to 3.85 percent from 3.81 percent, with points remaining unchanged at 0.42 (including the origination fee) for 80 percent LTV loans. The effective rate increased from last week.

The average contract interest rate for 30-year fixed-rate mortgages backed by the FHA increased to 3.41 percent from 3.34 percent, with points decreasing to 0.61 from 0.82 (including the origination fee) for 80 percent LTV loans. The effective rate increased from last week.

The average contract interest rate for 15-year fixed-rate mortgages increased to 2.96 percent from 2.87 percent, with points decreasing to 0.36 from 0.39 (including the origination fee) for 80 percent LTV loans. The effective rate increased from last week.

The average contract interest rate for 5/1 ARMs increased to 2.72 percent from 2.59 percent, with points decreasing to 0.33 from 0.35 (including the origination fee) for 80 percent LTV loans. The effective rate increased from last week.

If you would like to purchase a subscription of MBA?s Weekly Applications Survey, please visit www.mortgagebankers.org/WeeklyApps, contact or click here.

The survey covers over 75 percent of all U.S. retail residential mortgage applications, and has been conducted weekly since 1990. Respondents include mortgage bankers, commercial banks and thrifts. Base period and value for all indexes is March 16, 1990=100.

###

The Mortgage Bankers Association (MBA) is the national association representing the real estate finance industry, an industry that employs more than 280,000 people in virtually every community in the country. Headquartered in Washington, D.C., the association works to ensure the continued strength of the nation?s residential and commercial real estate markets; to expand homeownership and extend access to affordable housing to all Americans. MBA promotes fair and ethical lending practices and fosters professional excellence among real estate finance employees through a wide range of educational programs and a variety of publications. Its membership of over 2,200 companies includes all elements of real estate finance: mortgage companies, mortgage brokers, commercial banks, thrifts, Wall Street conduits, life insurance companies and others in the mortgage lending field. For additional information, visit MBA?s Web site: www.mortgagebankers.org.

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Source: http://www.realestaterama.com/2012/10/24/mortgage-applications-decrease-in-latest-mba-weekly-survey-19-ID017305.html

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Tuesday, October 23, 2012

Looking For The Best Anti Aging Creams? Get A Blemish Balm

What are the best anti aging creams? If you ask the Hollywood beauties nowadays, they would say the Blemish Balm cream. This cream has become the all-time favorite of some of the most beautiful ladies of showbiz. The reason? Well, they are multi-functional, scientifically advanced, and come in sleek jars.

Beauty sans makeup

A blemish balm cream can make your foundation, concealer, primer, moisturizer, and sunscreen unnecessary items in your wardrobe. The latest version of BB creams provides skin care and works as makeup. This is due to the presence of a tint in them that gives sheer coverage on the face. Originated in Germany, this cream is fast catching up with the beautiful crowd of the United States and outside.

Do you know dermatologists in Germany used this cream as soothing agents after a laser surgery? The cream has regenerative and soothing properties. Soon, this cream got caught up with the beauties in Korea, Japan, and other South Asian areas. The cream leaves skin well primed and with a beautiful glow, something that cannot miss the eye.

This cream works as the best anti aging creams for women who are hard-pressed for time. If you got no time to apply makeup or do not like to slather your face with foundation, you can use the Blemish Balm cream and kiss goodbye to that jar of foundation.

According to a spokesperson at the Plant Physiology and Molecular Biology, the best BB creams offer broad spectrum sun protection to the skin to prevent damage. They also hide pimple marks, acne scars, hyper-pigmentation, and other light blemishes and lines on the face. In addition to this, they keep the skin hydrated and brighten the complexion.

The American version of a BB cream contains anti-aging ingredients, making them one of the best anti aging creams around. Do you know glam divas like Lady Gaga and Angelina Jolie use BB creams too? Watch those Spice Girls. It seems as if they never aged, all thanks to BB creams.

What women have to say

Reviews of Hydroxatone show that these creams have received a marvelous response from women. In fact, for corporate ladies who find themselves living out of a suitcase, this cream is a boon. For those suffering from post-summer tanned and dry skin, the cream offers a soothing, nourishing, and skin-brightening effect.

If you are desperately looking for a cream that provides air-brushed, smooth finish on the face, get a BB cream without delay. You are only a few clicks away from this cream, as it is available at the brand?s official websites. If you are lucky, you may even get a risk free trial offer. This is a golden chance to try the cream.

It is time to put down your makeup brushes. Let your face be free from the cumbersome seven-step makeup routine every morning. Get a BB cream. It works not only as a moisturizer and foundation, but also as one of the best anti aging creams on the market.

Author's Bio:?

Hydroxatone.com offers the best anti-aging creams, including the best BB creams. Get the cream of your choice and read Hydroxatone reviews at the site.

Source: http://www.selfgrowth.com/articles/looking-for-the-best-anti-aging-creams-get-a-blemish-balm

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Union Bank and KCET Honor 2012 Local Heroes

Local Heroes Program culminates with 15th Annual Awards celebration.

Los Angeles, CA (PRWEB) October 23, 2012

As part of its ongoing commitment to cultural diversity and responsible banking, Union Bank, N.A., has partnered with KCET to honor 13 extraordinary individuals at the 15th Annual Local Heroes Awards. The honorees are announced as part of the 2012 Local Heroes Program, which recognizes and pays tribute to exemplary leaders who are making a difference and enriching the lives of others by improving their workplace, profession, community, region and the world. The year-long celebration of diversity culminates with an October 23 awards ceremony, where recipients will be formally recognized. The event will air for the first time on Nov. 19, 2012 at 8 p.m. on KCET.

The 2012 Local Heroes honorees are: Shirlee Smith and Dr. Samella Lewis (Black History Month); Bea Cohen and Billie P. Weiss (Women?s History Month); Stewart Kwoh and Bill Yoshiyuki Watanabe (Asian Pacific American Heritage Month); Abner D. and Roslyn Goldstine and Annette Shapiro (Jewish American Heritage Month); Ivy Bottini and Steven Michael Llanusa (LGBT Pride Month); Joel G. Leal and Carlos H. Vaquer?no (Hispanic Heritage Month).

?We are excited to celebrate the 2012 Local Heroes honorees who bring leadership, dedication and creativity to their work and communities,? said Union Bank Senior Executive Vice President Pierre Habis, head of Community Banking. ?We are proud of our expanded partnership with KCET and look forward to celebrating the achievements of many more heroes as part of our


15-year tradition in Los Angeles.?

?KCET joins Union Bank as we recognize thirteen incredible individuals for their remarkable achievements in their respective communities,? said KCET President and CEO Al Jerome. ?We are pleased to introduce them to our viewers through the video profiles currently airing on KCET and we are delighted to announce that the Local Heroes Awards will be broadcast for the first time next month on our station.?

The 2012 Local Heroes honorees are:

Black History Month


Shirlee Smith is the president and CEO of Talk About Parenting with Shirlee Smith, Inc. The Pasadena-based nonprofit organization specializes in parenting issues. Smith provides parenting workshops including sessions for mothers who are for incarcerated, is a popular public speaker, writes an award-winning newspaper column and is host of the cable television show, Talk About Parenting ?LIVE" with Shirlee Smith. She is the author of ?They?re Your Kids Not Your Friends,? and the Spanish version, ?Son tus Hijos, no tus Amigos.? Smith received the 2006 Angel in Adoption Congressional Award and was recently named chair of the Pacific Clinics Family Programs advisory board. She is a graduate of UCLA.

Dr. Samella Lewis is professor emeritus of art history at Scripps College of The Claremont Colleges, where she became the first tenured African American professor in art history and has worked for more than 40 years. Named a Distinguished Scholar by the Getty Center for the History of Art and Humanities, she founded the Los Angeles Museum of African American Art in 1976 and was its curator until 1986. She also founded and edited landmark publications that helped increase recognition of African American art and artists, including ?The International Review of African American Art.? Dr. Lewis earned her doctorate degrees in art and art history from Ohio State University.

Women?s History Month


Bea Cohen, the oldest World War II veteran in the state of California, has spent her life advocating for her fellow soldiers. During the war, she worked at Douglas Aircraft Company and became a living ?Rosie the Riveter,? and a U.S. Army soldier. During her career, she worked in the communications department with top-secret documents and fed the soldiers while on kitchen patrol. At age 102, Ms. Cohen is an essential member of many organizations, among them the Jewish War Veterans Auxiliary and the U.S. Department of Veterans Affairs Hospital. She believes our Veterans are America?s real heroes, and hopes people will honor, remember and thank them for their service and sacrifices.

Billie P. Weiss, M.P.H., is founder of the Violence Prevention Coalition of Greater Los Angeles and associate director of the Southern California Injury Prevention Research Program at the UCLA School of Public Health. For the past 31 years, Ms. Weiss has dedicated her life to building safer communities. Ms. Weiss is the author of numerous literary works, and co-authored the ?Advanced Project Report on Reducing Gang and Youth Violence in Los Angeles.? She has received numerous awards, including the California Peace Prize from The California Endowment and Courageous Leader by Women Against Gun Violence in 2008.

Asian Pacific American Heritage


Stewart Kwoh has been co-founder, president and executive director of the Asian Pacific American Legal Center since 1983. The center offers legal services in Khmer, Mandarin, Cantonese, Korean and Vietnamese. Mr. Kwoh is an undergraduate lecturer at UCLA?s Asian American Studies Department and editor and co-author of ?Untold Civil Rights Stories: Asian Americans Speak Out for Justice.? He is board chair of the Los Angeles Methodist Urban Foundation and vice-chairman of the Asian American Justice Center. He is also a board member of the Pat Brown Institute of Public Affairs of California State University, Los Angeles, United Way of Greater Los Angeles, and Southern California Public Radio.

Bill Yoshiyuki Watanabe has served as founding executive director of the Little Tokyo Service Center since 1979. The center provides a comprehensive program of social services and its staff has grown to more than 150. Mr. Watanabe has served as president of the Asian Pacific Policy & Planning Council and the Asian Pacific Health Care Venture, and he founded the Asian Pacific Community Fund, which has awarded more than $2 million in grants. Mr. Watanabe has also served as chairman of the Nonprofit Policy Council of California and as a board member of many organizations, including the National Committee for Responsive Philanthropy and the UCLA Center for Civil Society. He is one of the 2012 recipients of Japan?s highest civilian award, the Order of the Rising Sun, Gold and Silver Rays for his contribution to the development of Japanese American society and the enhancement of friendship between Japan and the United States.

Jewish American Heritage Month


Annette Shapiro is founder of the board of Beit T?Shuvah, a Los Angeles-based drug treatment center. She has raised millions of dollars for several causes, including drug rehabilitation, diabetes and cancer research. Shapiro and her husband established the David Alan Shapiro Memorial Synagogue Center at American Jewish University in memory of their son, David Alan. Shapiro is on the board of advisors for the UCLA Luskin School of Public Affairs. She is also a member of the board of governors for Cedars-Sinai Medical Center and co-chaired its $15 million campaign for cancer research. Shapiro?s remarkable journey is illustrated in Goldye Harris? 1994 biography, ?Annette Shapiro: Professional Volunteer.?

The Goldstines established the Abner D. and Roslyn Goldstine Fund for Holocaust Survivors in 2007 through the non-profit organization, Jewish Family Service of Los Angeles (JFS). The fund provides hope to aging, low-income Holocaust survivors who need food, shelter and health services. Mrs. Goldstine is on the executive committee of JFS, Sinai Temple and the Jewish Vocational Service of Los Angeles (JVS); she?s also a member of the advisory board of the Ziegler School of Rabbinic Studies of American Jewish University. Mr. Goldstine has served as president and board member of Sinai Temple and JVS. He is also on the board of The Jewish Federation of Greater Los Angeles and the Executive Service Corps of Southern California.

LGBT Pride Month


Ivy Bottini is a passionate activist who has dedicated more than 50 years to defending the rights of women and the LGBT community. Ms. Bottini is currently spearheading the creation of an AIDS memorial in West Hollywood and Los Angeles? first LGBT museum. She is also writing an autobiography about her life. Ms. Bottini has been at the forefront of numerous organizations including the Los Angeles Lesbian/Gay Police Advisory Board, Gay & Lesbian Elder Housing, AIDS Network LA, the first chapter of New York?s National Organization for Women (NOW), and AIDS Project Los Angeles (APLA), and she has co-chaired the Lesbian and Gay Advisory Board for the City of West Hollywood.

Steven Llanusa is a teacher, father, husband and an activist who is committed to increasing awareness about gay families in schools and communities and campaigning for gay parenting rights. Mr. Llanusa and his husband Glenn Miya were among the first same-sex couples to complete a joint adoption in California. He has spearheaded community events for several organizations, including the Pop Luck Club, Family Pride Coalition of Pomona Valley and the L.A. Gay & Lesbian Center?s Family Services. He is currently working with the Human Rights Campaign on Welcoming Schools and is developing a workshop aimed at eliminating bullying of students who are LGBT. In addition, Mr. Llanusa is a teacher at Smith Elementary School and board member of the Claremont Unified School District.

Hispanic Heritage Month


U.S. Army Sergeant Joe G. Leal is the founder of Vet Hunters Project (VHP), a nonprofit organization dedicated to preventing and ending homelessness among veterans and their families. VHP's efforts have helped more than 1,200 veterans and their families, and advocates for veterans through its cross-country bike rides and community outreach events. Sgt. Leal?s passion comes from his own experience of being homeless as a youth and serving in the U.S. Army in the Bosnian conflict and Iraq war for four years, where he was injured. He has continued his service in the U.S. Army Reserve for the past 13 years by providing support services to military members and their families, and helping veterans transition from combat to civilian life. Sgt. Leal has been decorated with several medals, including the Global War on Terrorism Medal, Iraq Campaign Medal, NATO (Bosnia) Medal, and the National Defense Service Medal.

Carlos Antonio H. Vaquer?no is a human rights activist and a legal and social justice advocate for Central Americans and Latinos. In 1980, during El Salvador?s civil war, Mr. Vaquer?no fled to the United States after three of his brothers were murdered. This event helped fuel his desire to


empower people and inspired him to create the Los Angeles-based nonprofit organization, Salvadoran American Leadership and Educational Fund (SALEF), where he has served as its executive director since its inception in 1995. SALEF encourages civic participation, advocates


educational opportunities for Central American and Latino students, and focuses on school reform. Mr. Vaquer?no is currently board president of Cl?nica Monse?or Oscar A. Romero and board secretary of the California Hospital Medical Center. He also served on Mayor Antonio Villaraigosa's transition team and Education Advisory Council, Rebuild L.A. and Habitat for Humanity.

In 1998, Union Bank and KCET created the Local Heroes Awards to help celebrate the national commemorative heritage months for various communities throughout Los Angeles. The awards honor outstanding individuals who strive to enrich the lives of others.

Throughout the respective commemorative heritage months, KCET aired video profiles of each honoree highlighting how they have made a difference in their community. The 2012 on-air profiles can be viewed on the Web. KCET showcases the rich, vibrant history and cultural diversity of our region with special programs during the respective heritage months and throughout the year. For more information about the Local Heroes program, please also visit Union Bank Local Heroes.

About UnionBanCal Corporation & Union Bank, N.A.


Headquartered in San Francisco, UnionBanCal Corporation is a financial holding company with assets of $87.9 billion at June 30, 2012. Its primary subsidiary, Union Bank, N.A., is a full-service commercial bank providing an array of financial services to individuals, small businesses, middle-market companies, and major corporations. The bank operated 402 branches in California, Washington, Oregon, Texas, Illinois, and New York as well as two international offices, on June 30, 2012. UnionBanCal Corporation is a wholly-owned subsidiary of The Bank of Tokyo-Mitsubishi UFJ, Ltd., which is a subsidiary of Mitsubishi UFJ Financial Group, Inc. Union Bank is a proud member of the Mitsubishi UFJ Financial Group ,one of the world?s largest financial organizations. Visit http://www.unionbank.com for more information.

About KCET


On-air, online and in the community, KCET plays a vital role in the cultural and educational enrichment of Southern and Central California. KCET offers a wide range of award-winning local programming as well as the finest public television programs from around the world. KCET currently produces the Emmy?, duPont-Columbia and Peabody Award-winning SoCal Connected, a hard-hitting prime-time weekly television news program that examines the issues and people of Southern California. Throughout its more than 47-year history, KCET has won hundreds of major awards for its local and regional news and public affairs programming, its national drama and documentary productions, its quality educational family and children's programs, its outreach and community services and its website, kcet.org. KCET is a donor-supported community institution. For additional information about KCET productions, Web-exclusive content, programming schedules and community events, please visit kcet.org.

# # #

Veronica Castro
Union Bank
213-236-7985
Email Information

Source: http://news.yahoo.com/union-bank-kcet-honor-2012-local-heroes-200218454.html

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Monday, October 22, 2012

Antibodies to immune cells protect eyes in Pseudomonas infection

ScienceDaily (Oct. 22, 2012) ? Contact lenses, particularly the extended wear variety, render wearers vulnerable to eye infections from Pseudomonas aeruginosa. These infections can cause severe damage, including blindness. Treating the eye with antibodies to the inflammatory immune compound interleukin-17 (IL-17) reduced eye damage and the number of bacteria in a mouse model. The research is published in the October Infection and Immunology.

The onslaught of Pseudomonas infection of the eye is often swift, and is aggravated by the bacterium's resistance to antibiotics. "Pseudomonas is everywhere in the environment, and can be unwittingly introduced into the lens cleaning solution, or directly onto the contact lens, so everyone who uses contact lenses is at risk," says principal investigator Gregory P. Priebe of Brigham and Women's Hospital, Boston, and Boston Children's Hospital.

Immune cells known as neutrophils are a major cause of the eye damage that ensues from Pseudomonas infection. IL-17 is involved in attracting neutrophils to the infected tissues. They are the vanguard of immune attack, arriving at a site of infection within an hour, trapping, and ingesting pathogens. In their pathogen-killing function, they also release noxious substances, notably elastase, an enzyme that can chew up tissues, and superoxide, which is converted into hypochlorous acid, more commonly known as chlorine bleach. Thus, the ensuing eye damage is not surprising.

Nonetheless, the strategy of blocking these pathogen killing cells risked reducing the immune system's bacteria-killing function, says Priebe. "Surprisingly, just the opposite was seen: blocking IL-17 with antibodies led both to fewer neutrophils in the eye, and to fewer bacteria," says Priebe. Thus, he says, the research may lead to effective treatments.

"We thought that blocking IL-17 infection might worsen eye infections, but found just the opposite,' says Priebe . "Interestingly, this is a common pattern in eye infections. The body's responses that make the damage worse are often the same things needed to limit infections in other tissues, such as the lung."

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Story Source:

The above story is reprinted from materials provided by American Society for Microbiology.

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


Journal Reference:

  1. T. S. Zaidi, T. Zaidi, G. B. Pier, G. P. Priebe. Topical Neutralization of Interleukin-17 during Experimental Pseudomonas aeruginosa Corneal Infection Promotes Bacterial Clearance and Reduces Pathology. Infection and Immunity, 2012; 80 (10): 3706 DOI: 10.1128/IAI.00249-12

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

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

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/~3/eCM5Elrf41c/121022194457.htm

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online business

Online business is otherwise known as an internet business. This basically defines as exchange, share or transfer of raw materials across different business groups or individuals using the internet.

An online business enhances the strategies of e-commerce which helps to expand the relations between the clients and associates.

The internet offers various opportunities in the present day to earn money easily and quickly through online marketing. online businessDo you want to learn various ways to invest your money to increase your online visibility? Here are few tips to check out.

Investing money in the following helps to grow your online business:

The initial and important aspect is creating a website for your campaign. Every marketing business requires a well-designed website to portray their products and services.

A website plays a vital role, while visitors visit your site and learn of your products it also helps in increasing your sales. Therefore, design your website to captivate visitors and encourage them to look around your site.

?Qualified Prospect? is one way to provide information which is needed for a user while searching rather than focusing on other irrelevant blocks.

Hence investment in such search engine marketing helps to mention your website when a user enters for a product which is produced by your company in order to increase marketing levels.

This is software which helps to determine, which among the entire networking sites are incurred to produce a higher response rate on advertising your product. For instant, you may have a set of websites producing target results, but you are not sure among which those are achieving higher results, in such cases you can make use of split-testing software to see which is most effective.

Blogging is an informative medium between you and your customers. In order to increase your business progress, make a point to include the latest updates in your blog. It?s a good platform to invest money for transferring and sharing your ideas through blogs.

PPC advertising is one way to increase your growth in the market. Pay per Click is a process of paying some amount on ads that pop up on user?s webpages to widen the awareness of your product and help you to reach various target customers around the world.

To expand your company you can opt for various advertising techniques. Among all the various options there are banner ads. An investment in such publicity helps to get the attention of customer. An ad in various newspapers, banners, televisions increases your products popularity.

Hence, above mention are few ways to grow your business. For initial investments or under emergency conditions you can opt for loans such as same day cash loans for instant funding.

About the Author:
The guest post was contributed by Alicia, financial guest blogger from Manchester, UK. Find out more about her finance related blogs @financeport?

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Metairie's Cenacle Retreat House closing in 2013; property to be ...

The Cenacle Retreat House in Metairie plans to close in 2013, and the property will be sold (Photo by The Times-Picayune archive)

The Cenacle Retreat House in Metairie, for more than a half century a destination for spiritual nourishment, plans to close in 2013. The Roman Catholic order of nuns running it will sell the 20-acre property. Finances and a declining number of nuns were blamed for its demise.

?It?s a deep sorrow for me, as it is for many people,? Sister Rose Hoover, the Metairie Cenacle?s superior, said Monday.

Since it opened in 1958 at 5500 St. Mary Street, the Cenacle has functioned as a lakefront escape for thousands of people, mostly women, who visit its grounds of magnolia, live oak and white crepe myrtle trees for weekend retreats, daily programs and individual spiritual direction. The property includes 52 guest rooms, a chapel, meeting hall, library, dining room and parlors, as well as the convent.

?Usually people kind of get into a rhythm of making a yearly retreat,? said Sister Gloria Haagensen, the ministry coordinator.

But the number of nuns living and working at the Cenacle has fallen from more than a dozen in the late 1960s to seven last year and now just four, reflecting a national trend in religious orders. Where once the nuns provided what amounted to free labor for almost all tasks, the few remaining focus on administrative and spiritual duties. The Cenacle now pays a lay staff of some 20 people -- with help from many volunteers -- to cook, clean and keep up the buildings and grounds.

Individuals making three-day retreats are asked to pay $225, but the actual cost is closer to $350, Haagensen said. The Cenacle has held fundraisers and solicited gifts, yet it could no longer make ends meet.

?The retreat ministry by itself has never paid the costs of the retreat house,? Haagensen said. ?We?ve always relied on the generosity of our retreatants.?

Hoover said the order, officially the Religious of Our Lady of Retreat in the Cenacle, has been studying, discussing and praying over the Metairie mission for some time. The provincial headquarters in Chicago came to recommend closing it, and the governing office in Rome eventually approved.

The Cenacle said it will fulfill its scheduled commitments, which run through mid-August. It plans to sell the property, although exactly what will become of the buildings and land is not known.

In 1995, when the Sisters of the Immaculate Conception closed its convent adjacent to the Cenacle, the real estate was sold for $1.4 million and converted into a 12-lot residential subdivision, Holy Land on the Lake. The money was to be put into a trust fund for the nuns? medical care.

As for the remaining Cenacle nuns in Metairie, Hoover said they likely will be assigned to the order?s other nine missions in the U.S. and Canada.

It will be Hoover's third and last time to leave. Raised Presbyterian in Gainesville, Fla., she converted to Catholicism in New Orleans and made her perpetual vows in the Metairie house?s chapel in 1985. She has served two previous stints here, returning most recently just after Hurricane Isaac struck in August.

?While it is a time of great sadness for us, it is also a time of gratitude,? said Sister Mary Sharon Riley, the order?s province councilor in Chicago. ?We are grateful to God who has allowed us to minister to so many people for so many years.

?We have been blessed to be part of the greater New Orleans community -- and beyond -? for such a long time.?

Source: http://www.nola.com/religion/index.ssf/2012/10/metairies_cenacle_retreat_hous_1.html

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Sunday, October 21, 2012

Finding Ideas For Article Writing When You Are Out And About ...

Finding Ideas for Article Writing When You Are Out And About  -  Advice for Newbies

If you?re trying to generate ideas for article writing, it can be easy to think that this all has to be done by sitting and researching online. Although the internet is an enormous and wonderful resource for finding out information and stimulating new ideas, if you?re creating content on a regular basis it can also be useful to step away from your computer and in the course of your day take note of things around you that can stimulate ideas. Try and be flexible and allow your mind just to have fun and finding ideas for article writing will come from the most surprising places.

Other peoples conversations

I?m sure you?re thinking that you don?t make a habit of listening to other people?s conversations, but often it?s very difficult not to. People talking on their phones, in the street, on public transport. People holding conversations in doctor?s waiting rooms, dentists, hospital waiting rooms, hairdressers, in cafes and bars. You don?t need to listen to hear whole conversations, even small snippets can generate ideas. What are their fears, their worries, the problems they have and need solving?

Shop window displays

Look at what they are promoting and how they?re promoting it. What story are they telling? What need are they trying to fulfill? Your online business may be completely different, but that doesn?t mean there isn?t something that you can?t make a connection to and write about.

Flyers and posters

Sometimes it seems you can?t walk down a street without someone trying to press a flyer in your hand. As tempting as it may be to just put it in the nearest bin, take a quick look. Similarly instead of just walking on past advertising hoardings, see if there?s anything that stimulates your interest.

Public announcements

Yes even public announcements in train, bus, or coach stations or ones inside shops can be interesting. Quite often one hears poor examples of communication skills, customer service, time management, organisational skills or even funny announcements that can spark ideas and help you find ideas for article writing.

Hustle and bustle of life

Just in the course of a normal day you will be interacting with lots of different people. Some of these interactions whether they be positive or negative can be used to generate further ideas. Sometimes it may be conversations, it may be the manner of someone, it may be the way their dressed, it may be something that they?re doing. And of course ? although I?ve said about the hustle and bustle of life they are just as many times to gain ideas at quieter times such as a walk in the country, a jog along the beach...

Summary

When you?re out and about on an everyday basis you will come across many things which can help you in finding and generating ideas for article writing. The connections may not seem obvious, but be flexible. Oh and I never said earlier, but always have a way of jotting down any idea that comes into your head. There?s nothing worse than having a great idea and then not being able to remember it later.

Source: http://www.streetarticles.com/writing-articles/finding-ideas-for-article-writing-when-you-are-out-and-about-advice-for-newbies

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