Massachusetts mortgage activity on the rise thanks to refinancing ...

The real estate tracking firm the Warren Group is at it again, reporting that total Massachusetts mortgage activity has increased more than 28 percent for this year compared to the same period last year. Although home sales have added to the increase, the real news in the increased numbers is the refinance mortgage activity, according to the group's CEO, Timothy Warren.

The historically low interest rates along with the revised federal program called the Home Affordable Refinance Program, or HARP, have led more homeowners to refinance into lower mortgage payments. In fact, the numbers speak for themselves; so far this year, 86 percent of all mortgages were refinances, up from 84.5 percent for this time last year. Refinanced mortgages increased 32 percent over last year for a total of 85,721.

And mortgages generated through the purchase of a home rose almost 13 percent for the first four months of this year. Overall, pending home sales have increased for 13 months straight, which is good news for the Massachusetts housing market. Although many homeowners may find the refinancing game rather tricky in today's tough lending environments, these figures do show it is possible to refinance your mortgage.

Restrictions abound in the federal and state programs available to struggling homeowners however, and understanding the qualifications and requirements for the various mortgage products can be difficult for many. Consider consulting with a residential real estate attorney who assists homeowners and residential real estate buyers and sellers with a variety of mortgage and refinancing services as well as resolving deed and title issues involved in the more complex real estate transactions.

Source: National Public Radio 90.9 WBUR, "Led By Refinances, Mortgage Activity Up In Mass.," June 12, 2012

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Gaza rockets pound Israel after air strikes kill 6

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Myanmar's president promises second wave of reform

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Understanding of spinal muscular atrophy improved with use of stem cells

ScienceDaily (June 20, 2012) ? Cedars-Sinai's Regenerative Medicine Institute has pioneered research on how motor-neuron cell-death occurs in patients with spinal muscular atrophy, offering an important clue in identifying potential medicines to treat this leading genetic cause of death in infants and toddlers.

The study, published in the June 19 online issue of PLoS ONE, extends the institute's work to employ pluripotent stem cells to find a pharmaceutical treatment for spinal muscular atrophy or SMA, a genetic neuromuscular disease characterized by muscle atrophy and weakness.

"With this new understanding of how motor neurons die in spinal muscular atrophy patients, we are an important step closer to identifying drugs that may reverse or prevent that process," said Clive Svendsen, PhD, director of the Cedars-Sinai Regenerative Medicine Institute.

Svendsen and his team have investigated this disease for some time now. In 2009, Nature published a study by Svendsen and his colleagues detailing how skin cells taken from a patient with the disorder were used to generate neurons of the same genetic makeup and characteristics of those affected in the disorder; this created a "disease-in-a-dish" that could serve as a model for discovering new drugs.

As the disease is unique to humans, previous methods to employ this approach had been unreliable in predicting how it occurs in humans. In the research published in PLoS ONE, the team reproduced this model with skin cells from multiple patients, taking them back in time to a pluripotent stem cell state (iPS cells), and then driving them forward to study the diseased patient-specific motor neurons.

Children born with this disorder have a genetic mutation that doesn't allow their motor neurons to manufacture a critical protein necessary for them to survive. The study found these cells die through apoptosis -- the same form of cell death that occurs when the body eliminates old, unnecessary as well as unhealthy cells. As motor neuron cell death progresses, children with the disease experience increasing paralysis and eventually death. There is no effective treatment now for this disease. An estimated one in 35 to one in 60 people are carriers and about in 100,000 newborns have the condition.

"Now we are taking these motor neurons (from multiple children with the disease and in their pluripotent state) and screening compounds that can rescue these cells and create the protein necessary for them to survive," said Dhruv Sareen, director of Cedars-Sinai's Induced Pluripotent Stem Cell Core Facility and a primary author on the study. "This study is an important stepping stone to guide us toward the right kinds of compounds that we hope will be effective in the model -- and then be reproduced in clinical trials."

The study was funded in part by a $1.9 million Tools and Technology grant from the California Institute for Regenerative Medicine aimed at developing new tools and technologies to aid pharmaceutical discoveries for this disease.

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The above story is reprinted from materials provided by Cedars-Sinai Medical Center.

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


Journal Reference:

  1. Dhruv Sareen, Allison D. Ebert, Brittany M. Heins, Jered V. McGivern, Loren Ornelas, Clive N. Svendsen. Inhibition of Apoptosis Blocks Human Motor Neuron Cell Death in a Stem Cell Model of Spinal Muscular Atrophy. PLoS ONE, 2012; 7 (6): e39113 DOI: 10.1371/journal.pone.0039113

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.

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auto insurance Ravenna OH There are more cars and drivers hitting the road each year. With countless cars on the road, crashes will happen. The difference between a minor aggravation and large obstacle can be car insurance. So how do you know what insurance you need and how much to buy? Liability: Pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your defense and court costs. Higher recommended insurances are available that cover more than the lower, state-mandated insurance. Personal injury protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also cover lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts. Medical payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person?s reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your car caused by a collision. Comprehensive: Applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is also available.Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, sex and marital status and * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue your economic health Evaluate your needs, do your research and with the support of your insurance agent choose the option that best suits you. Truck Insurance

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Toughbook goes Ivy Bridge with 10-inch magnesium CF-19

Toughbook goes Ivy Bridge with 10-inch magnesium CF-19

One thing we haven't seen too much of from the ongoing Ivy Bridge onslaught, is rugged notebooks. Sure, there was that Durabook from last week, but not much else -- and we all know the big name in indestructible laptops, is Panasonic's Toughbook line. Luckily, for those of you with jobs or hobbies that tend to involve dust storms and precipitous drops, the CF-19 is on the way with a 3.3GHz Core i5 under its 10.1-inch hood. The €2,950 (roughly, $3,727), convertible notebook has an optional touchscreen, 500GB hard drive, SSD options for the drop prone, as well as lone USB 2.0 and 3.0 ports. If you're a truly mobile warrior, there's even an HSPA+ upgrade available for the wireless card. Basically its the Toughbook 19 we've all grown to know and love, but with some nice Intel upgrades on the inside. The updated rugged lappy should start shipping in Europe this July, but we're still waiting on availability info for the US.

Toughbook goes Ivy Bridge with 10-inch magnesium CF-19 originally appeared on Engadget on Mon, 18 Jun 2012 10:37:00 EDT. Please see our terms for use of feeds.

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New 'Breaking Dawn' Trailer To Premiere On Wednesday

'Twilight' finale will debut a brand-new teaser trailer on June 20, just in time for Edward Cullen's 111th birthday.
By Josh Wigler


Robert Pattinson in "Breaking Dawn - Part 2"
Photo:

For a 110-year-old, Edward Cullen is a rather youthful looking chap, isn't he? His hair is forever perfect, his skin is always sparkling, and we expect he'll look just as good — if not better — when he turns 111 on Wednesday.

What, you didn't realize that Edward's birthday was coming up? Don't kick yourself if you haven't gotten the world's most desirable vampire a gift yet. In fact, he's giving a gift to you, "Twilight" fans, in the form of a brand-new "Breaking Dawn" trailer debuting on his birthday!

Summit Entertainment will unleash a "The Twilight Saga: Breaking Dawn - Part 2" teaser trailer bright and early at 8:30 a.m. ET on Wednesday. You won't have to wait until Mr. Cullen's birthday to catch a first glimpse at the trailer, either, as Summit plans to release a 10-second sneak peek of the teaser on Tuesday at 8:30 a.m. ET.

"Breaking Dawn - Part 2," directed by Bill Condon, is the fifth and final film in the "Twilight" series, based on the beloved novels by Stephenie Meyer. The faces of the franchise — Kristen Stewart as Bella, Taylor Lautner as Jacob and the aforementioned Robert Pattinson as Edward — all return for the "Twilight" conclusion, in theaters on November 16.

The upcoming sequel sees Bella in a brand-new light following her transformation into a vampire in the first "Breaking Dawn" flick's thrilling finale. Also along for the ride is newcomer Renesmee, the vampire daughter of Edward and Bella, played by Mackenzie Foy; a first look at Foy in the much-anticipated fan-favorite role hit the Web just last week.

So that's what Edward's getting you for his birthday, "Twilight" fans. But the question still stands: what are you getting him? Let us know in the comments below!

Check out everything we've got on "The Twilight Saga: Breaking Dawn - Part 2."

For young Hollywood news, fashion and "Twilight" updates around the clock, visit HollywoodCrush.MTV.com.

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Clay Guida?s hair won?t be flying free on Friday

UFC lightweight Clay Guida is as known for his hair as he is for his unlimited cardio and ability to withstand a punch. However, it won't be flying free on Friday when he faces Gray Maynard in Atlantic City. After a request from Maynard's camp to the New Jersey State Athletic Control Board, Guida's hair will be braided back.

Though Guida usually fights with his long, curly locks flowing free and doesn't want to put his hair back, he also doesn't want a disagreement over hair to distract him before the fight. His manager said Guida plans to comply, which means the two sides won't have to go through a hearing.

"He doesn't want to do it, and I don't believe he's 100 percent happy about it, but he's being very understanding and very cooperative about it and he agreed to it," Nick Lembo of the New Jersey commission told MMAjunkie.com. "Otherwise, if he said, 'No, I'm not going to do that,' we'd have to have a hearing on it and let both sides present their case and have a commissioner's ruling on the issue."

Guida's hair has often been the topic of discussion. When the UFC's first video game came out, Guida was not included because the game's designers couldn't recreate his hair in video game form. UFC president Dana White offered Guida $10,000 to cut his hair, but he said to add a few zeroes on the number.

"The hair's here to? stay. It's part of my style, part of my trademark," Guida told Cagewriter in 2009.

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Tim Young: Where's My 'Responsible Enough to Not Have a Child' Day?

Father's Day is a day of respect to the men that basically screwed us up and whose actions pretty much forced us to develop into the characters we are today.

My dad, for example, was so conservative that he made me never want to be conservative. Win right?

So here we are on Father's Day. I'm 31 and don't have kids. And don't get me wrong, a few scares and a lot of questionable women later, I should probably have had one by now... but I don't.

So where's my shitty "french toast because that's the most complex thing they can make" breakfast? Where's my card that was written in crayons with candy attached to it like a not delicious Mad Libs with horrible grammar? And where is my section of cards at the national chain drug store?

I get nothing... and I contributed more to society than most dads did by not impregnating a woman.

Think about it. That's lower head count in public schools, one less loud mouth crying-ass-kid ruining your Sunday brunch (because that's what kids do at Sunday brunch... ruin it... they ruin it), one less abortion debate lost, and one less person to live off the welfare system after I incorrectly raise them.

And what do I get in return? Nothing.

Sure I miss out on the opportunity to raise a gay son to fulfill my dreams of Broadway superstardom or straight son to fulfill my dreams of being a bench player on a Major League Baseball team making $400,000 a year or the ridiculous whatever league minimum is... no I'd never have a daughter... come on...

And I do miss out on having an indentured servant who cuts the grass and cleans the house for less than what we pay migrant workers, then develops some advanced stage of Stockholm Syndrome which makes them feel connected enough to me to wipe my ass in old age when I have bladder control issues...

But I can live those things vicariously through my friends... or something like that.

So where's my 'thanks for not making another one of you' day? Where's my 'responsible adults that will lead to the plot scenario from Idiocracy day?

It's just not happening...

It's like no matter how far we've come as a society, we are still falling behind.

Yeah, you're right. I should never have kids.

?

Follow Tim Young on Twitter: www.twitter.com/timrunshismouth

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