Ex-President Bush to spend Christmas in hospital

HOUSTON (AP) ? Former President George H.W. Bush will spend Christmas in a Houston hospital after developing a fever and weakness following a monthlong, bronchitis-like cough, his spokesman said Monday.

A hospital spokesman had said the 88-year-old ex-president would be released in time to spend the holiday at home, but that changed after Bush developed a fever.

"He's had a few setbacks. Late last week, he had a few low-energy days followed by a low-grade fever," Jim McGrath, Bush's spokesman in Houston, told The Associated Press. "Doctors still say they are cautiously optimistic, but every time they get over one thing, another thing pops up."

He said the cough that initially brought Bush to the hospital on Nov. 23 is now evident only about once a day, and the fever appears to be under control, although doctors are still working to get the right balance in Bush's medications. No discharge date has been set.

"Given his current condition, doctors just want to hang on to him," McGrath said, adding that he didn't know what had caused the fever.

Bush, the nation's 41st president, and his wife, Barbara, live in Houston during the winter and spend their summers in a home in Kennebunkport, Maine.

The former president was a naval aviator in World War II ? at one point the youngest in the Navy ? and was shot down over the Pacific. He achieved notoriety in retirement for skydiving on at least three of his birthdays since leaving the White House in 1992.

Bush's son, George W. Bush, the 43rd president, has been among his visitors at the hospital.

___

Plushnick-Masti can be followed on Twitter at https://twitter.com/RamitMastiAP

Source: http://news.yahoo.com/ex-president-bush-spend-christmas-hospital-212439987.html

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Commercial real estate delinquency dips | RedlionTrader

is an aerial view of Downtown Albuquerque. The local market did not see overbuilding during the boom that has led to a high proportion of distressed properties in many larger metros. (journal file)

Delinquency rates for commercial real estate loans continued an overall modest decline in the third quarter, although the sector continues to feel the drag of sluggish economic growth, high unemployment and anticipated tax increases.

The 90-plus-day delinquency rate for loans held nationwide by FDIC-insured banks and other financial institutions was 2.9 percent in July-September, down from 3.8 percent a year earlier, according to the latest commercial mortgage delinquency report from the Mortgage Bankers Association.

Commercial mortgages tend to have the lowest charge-off rates of any major loan type held by banks, the report notes. The delinquency data for banks does not include loans backed by owner-occupied commercial properties, which typically have different underwriting criteria.

?Banks hold the majority of real estate loans in the U.S.? said Peter Gineris, head of debt and equity finance at the Albuquerque office of CBRE, a commercial real estate services firm. ?They are very conservative in their lending today, but have traditionally been the most accessible lenders.?

Commercial mortgage-backed securities, or CMBS, have only been around for about 15 years and became a popular financing tool during the robust deal-making years of 2004-08.

These loans originate with banks, most commonly big ones like Citibank and Goldman Sachs, then are bundled together and sold as investment securities on Wall Street. Once the securities are sold, the original banks get paid and are out of the deal, Gineris explained.

The 30-plus-day delinquency rate for loans held nationwide in CMBS was 8.9 percent in July-September, essentially the same as it was a year earlier. For comparison, the 30-plus-day delinquency rate for home loans was 7.6 percent during the same period, the Mortgage Bankers Association reported.

The CMBS delinquency rate for loans in the Albuquerque metro area has been a little lower than the national average, primarily because it?s a smaller market, Gineris said.

?The CMBS lenders have been a bit less aggressive when lending in Albuquerque than they have been in the major metro markets and ?24-hour? cities,? he said.

CMBS loans here have tended to be a little more conservative, with more of a cushion against declines in value and net income, he said. In addition, the local market did not see ?significant overbuilding? during the boom that has led to a high proportion of distressed properties in many larger metros.

The 60-plus-day delinquency rate was 0.1 percent in the third quarter, down from 0.2 percent a year earlier, for commercial mortgages in investment portfolios held by life insurance companies, major lenders in the commercial real estate market.

The money that life insurance companies put into real estate loans will one day be needed to pay insurance claims, thus the companies are conservative in how they lend, Gineris said. They typically lend to the cream of the crop, such as buyers with top credit purchasing higher-quality properties.

?All this leads to a lower delinquency rate for life (insurance) company lenders,? he said.

What constitutes a delinquent loan varies among the lending groups, such as 90-plus days for banks, 30-plus days for CMBS and 60-plus days for life insurance companies. As a result, the association?s report notes that ?delinquency rates are not comparable from one group to another.?

In addition to the private capital sources, Fannie Mae and Freddie Mac are the biggest players in loans for multifamily or apartment properties.

The 60-plus-day delinquency rate for loans held or guaranteed by Fannie Mae was 0.3 percent in the third quarter, down from 0.6 percent a year earlier. The 60-plus-day delinquency rate for loans held or guaranteed by Freddie Mac was 0.3 percent in the third quarter, essentially unchanged from a year earlier.

The low GSE delinquency rates stem largely from apartments being the strongest overall commercial property type in the country right now, Gineris said.

Altogether, the five lending groups ? banks, CMBS, life insurance companies and the two GSEs ? hold more than 80 percent of the outstanding commercial real estate mortgage debt, according to the association.

In general over the past 15 years, the five investor groups saw their lowest delinquency rates during 2004-08 and their highest rates in 2010. The recent highs in delinquency rates for each group were still well below the record highs set during the commercial real estate crash of 1991-92.

Source: http://www.redliontrader.com/streamingnews/commercial-real-estate-delinquency-dips/

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Food Allergies, Bullying Often Linked, Study Finds

When children have food allergies, their parents have to constantly watch out for allergens and be prepared for a possible reaction.

Another concern, and one that is often overlooked, is bullying. A new study, published online in the journal Pediatrics on Monday, found that more than 30 percent of children have been harassed by their classmates because of their allergies, and that parents are only aware of it about half of the time.

"It's very easy to intimidate a food-allergic child," said study author Dr. Eyal Shemesh, chief of the division of behavioral and developmental health in the Department of Pediatrics at Mount Sinai Medical Center in New York. "It doesn't take more than waving a peanut in front of them."

Shemesh and his colleagues surveyed 251 families recruited at a food allergy clinic. Overall, 45 percent of the children and teens -- who were between the ages of 8 and 17 -- said they'd been bullied, and 31.5 percent said it was because of their food allergy. The bullying was most likely to happen while they were in school and included others teasing them, waving food in their face, throwing food at them, or forcing them to touch the food that triggers their allergies.

The more frequent the bullying, the worse the child's quality of life, the study found. But just one instance of bullying took a toll on kids' happiness, according to self-reports.

The study also showed there is a significant gap in how much parents know about bullying -- they only knew about 50 percent of the cases of harassment. When moms and dads did know about the bullying, their children reported a higher quality of life, which suggests that parents can help, Shemesh said.

"Parents should ask, not in an alarming way, something like, 'Do people bother you at school or anywhere? Do people bother you about the allergy?'" he said. Doctors, whether they are pediatricians or allergy specialists, should also be aware of possible food-related bullying and speak up.

"Clinicians should not be intimidated or think that children will not talk to them about it," Shemesh said. "This study shows they will."

Nearly six million children, or 8 percent of kids in the U.S., have food allergies. A 2008 Centers for Disease Control and Prevention study reported an 18 percent increase in food allergies in the U.S. in the last decade for reasons that continue baffle scientists. Allergic reactions can be very serious: A 2011 study found that every three minutes, a food allergy reaction lands someone in the emergency room.

"Living with a food allergy is emotionally stressful, since the only way to prevent a potentially life-threatening reaction is to be vigilant about avoiding problem foods," said John Lehr, CEO of the Food Allergy Research and Education organization. "When children with food allergies are bullied by being exposed or taunted with a food they are allergic to, it heightens anxiety and creates a sense of isolation."

Also on HuffPost:

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Source: http://www.huffingtonpost.com/2012/12/24/food-allergies-bullying_n_2347596.html

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Prosperity Series 6: Internet Entrepreneurship - Website Design

Bringing the Law of Attraction to Internet Entrepreneurship

Internet entrepreneurship starts with your computer screen.

Internet entrepreneurship is perhaps the most exciting thing to happen in business since Henry Ford developed the assembly line. The Internet levels the playing field, allowing just about anyone to enter the World Wide Web and to set up shop. You don?t have to have inventory, expensive equipment, payroll (at least for those just starting out), and a lot of expertise. Software and Internet service providers make it easy.

But what?s the difference between those who fail miserably and those who make it big. All other things being equal, the biggest difference is in the attitude. And, as we learned earlier in this series, attitude is based upon beliefs. Attitude in motion is behaviour, and behaviour governs the results we produce.

You can give two people exactly the same instructions and one will not be able to follow through, while the other person will complete the assignment with flying colours. It has everything to do with attitude. One person easily sees failure, while the other person easily sees success.

Google is more important to Internet entrepreneurship than any other search engine.

Google and Internet Entrepreneurship

The masterminds at Google continue to push the envelope on developing algorithms to detect quality and relevance in websites. All the SEO effort in the world won?t mean squat if Google changes the algorithm a certain way, wiping out all of your carefully laid work to take advantage of the last incarnation.

Perhaps the best strategy of all is to head Google off at the pass by delivering what Google is trying to elicit in the first place?quality content and lots of it.

But let?s look at what defines ?quality.? Quality means,

• Well-written.
• Delivering value (something valuable to the reader or visitor).
• Easy-to-read. This could include something as simple as the Flesch rating for readability?a measure of the sentence lengths and lengths of words. It might include the percentage of passive sentences compared to those with active voice. Long sentences and long words make text more difficult to comprehend for a broader audience.
• Having authority. This is where all those back links come in handy. But Google prefers quality back links?links that show relevance. These are links that prove you are an authority.

Internet Entrepreneurship Solutions

Internet entrepreneurship needs skilled labour. oDesk and Elance are two key sources.

Perhaps building authority proves to be the most difficult and time consuming of these. Certainly each of the others contribute to this, but more needs to be done to build your reputation.

Answering questions at forums and making comments on blogs can help, but these take time. Perhaps the biggest block of time is in finding the appropriate places to write these answers and comments. You can delegate this to someone else. Hire someone through a job site, like oDesk.com or Elance.com, to tackle the menial tasks for you. With worldwide resources, you are likely to find someone in your budget. You can?t delegate your authority, because that comes directly from you and only you, but you can certainly delegate repetitive actions that take away from you delivering your core value.

Even the idea of delivering lots of quality content can be delegated. If you choose your team carefully, you can end up having to do very little to maintain your new empire.

Horseshoe Magnet: a symbol for the Law of Attraction and the key to success in Internet Entrepreneurship.

Attracting Solutions

As outrageous as it sounds, you literally attract what you believe or feel. If you feel that success can only be achieved with hard work, then you will always have hard work and long hours.

If you fear hard work and attempt to use the Law of Attraction to escape the drudgery, you will attract only hard work and long hours. Why? The Law of Attraction doesn?t see your desire. It only sees the picture toward which your feeling is aimed. You can fear or desire something, but the Law of Attraction only looks at the picture. If you don?t want slavish hours and hard work, then picture for yourself: easy, effortless productivity that requires very little work. Don?t focus on the work. Focus on the ease of action.

You should never fear hard work. You should always been willing to roll up your sleeves and to slug it out to get something done. But if you keep building a feeling of effortlessness, you will find more and more inspiration and opportunities for effortless productivity coming your way. You will find more tricks to make your job easier.

We will continue to give you tips and techniques that can help you make your websites better and better, but behind all success is one overriding attitude. If your attitude is one of effort and failure, you?ll struggle and perhaps never make it. But if your attitude is one of ease of work and dynamic success, you?ll find every possible way to achieve massive prosperity for all of your websites.

As always, we?d like to hear your comments and feedback. Let us know what you think.

Next: The Biggest Secret

The ancient Law of Attraction was packaged, a few years back, as ?The Secret.? It quickly became a blockbuster video and a bestselling book.

For a majority of people on the planet, it had been a secret. Few people ever knew about it until the video came out. And fewer people still ever put that secret into productive use.

In the next and final article in this series, we touch on another secret which is far bigger than the Law of Attraction?Prosperity Series 7: Secret of the Ages.

Source: http://awebsitedesigner.com.au/prosperity-series/prosperity-series-6-internet-entrepreneurship/

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Dangerous Abscesses Add to Tainted Drug?s Threat

[unable to retrieve full-text content]The contaminated drug that caused a nationwide meningitis outbreak has created a second, growing wave of serious spinal infections.

Source: http://www.nytimes.com/2012/12/22/health/dangerous-abscesses-add-to-tainted-drugs-threat.html?partner=rss&emc=rss

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Debt BlogTips for Credit Card Debt Management

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Posted in Finance
December 22, 2012

Debt management is a course every American needs to take simply because so many Americans are clueless when it comes to credit and debt management. This is unfortunate because many people do permanent damage to their credit record by not knowing how important managing their credit is. Also, frequently people get in trouble with debt and don't know debt management tips, so they simply get further and further behind each month. This does not have to be the case and debt management is not difficult to do, as long as you have the desire to reduce your debt. Consider these debt management suggestions to get you out of debt quick.

Debt Management Tip #1 Make Your Payments on Time One of the most important things you can do to help your credit score is to make your payments on time. This is also a great way to avoid late charges which not only negatively impact your credit, but also negatively impacts your wallet. Debt management means making on time payments means your account will never be late, will not go into default and will not never have late fees associated with it. If you have problems making your payment on time imagine how much worse it will be when an additional $30 - $50 is tacked onto that payment.

Debt Management Tip #2 Work with Your Creditor Proper debt management requires working with your creditors. Many times creditors have debt management plans, as well as suspended payment options if you are having financial difficulty. Avoiding your creditors will make your credit problems worse and your debt management plan will not work. So talk with your creditor because frequently they can help you, or at least relieve the pressure for a little while.

Debt Management Tip #3 Pay of Credit Cards An important part of debt management is paying off your credit cards. If you do not pay off your credit cards then you will pay an unbelievable amount of money in finance charges. Make paying off your credit cards one of the first goals in your debt management program. You will realize a relief in your debt within a few months and realize that a debt management plan is important for everyone with debt.

About the author: Jay Moncliff is the founder of http://www.debt-center.info a blog focusing on theDebt resources and articles. This site provides detailed information on Debt. For more info visit his site: Debt

Author: Jay Moncliff

Source: http://www.caishi.net/204018-Tips-for-Credit-Card-Debt-Management.html

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Dirk's Site ? Learn What It Takes to do a Profitable Product Launch ...

Those who are early in their IM careers can sometimes be hard to deal with if they are not willing to learn things on their own. You can think of that in terms of background information that has been learned elsewhere about eczematreatmentsite or through experience. That is one possible area for causing confusion with those who do not possess the fine details about the topic being discussed. In fact, today?s discussion will be on topics that will not give you all the necessary background about them. You would be smart to always remember what you have just read so you will at least have a hunch that there is still more to discover. On the other hand, nothing teaches quite as well as experience, and if you discover something is missing then you will get feedback in some way. In order to successfully launch a product online, you have to consider several factors. Your product?s launch can make or break its success which is why it?s so important. Here are some steps to take to help ensure a successful launch for your product. Get the Influential to Work for You: ?Sneezers? is a name given to people who are popular within a niche by Seth Godin because those guys can make just about anything go viral. These are the people with whom you need to establish contact. Figure out which people hold the most influence in your niche and make sure that they know about the product that you are launching and convince them to help you promote it, no matter how much effort it takes. One of the most important parts of a product launch is ensuring that people actually hear you. You need to do this because nothing works as well as a personal recommendation by somebody who holds influence in your market. To ensure your success with this particular strategy is networking with as many market professionals as you can. Do Not Forget the Post Launch: Once the product has been introduced, it is time to concentrate on the post launch phase. This is a very crucial part of your product launch technique because it is obvious that you want to have more than one effective product launch. You want the sales to come in consistently, which is why you should keep providing high value to your customers and take care of them. The worst outcome would be to get plenty of sales on the launch day and none afterwards. In order to avoid that from happening, keep putting the same amount of effort in the post-launch phase too, because that?s when the real work starts. We are confident many would like to take advantage of the full power of click here in their internet business; but you have to be careful and avoid proceeding with limited knowledge in your campaigns. Obviously there is tremendous variation among small web business owners when it comes to knowledge base about marketing techniques. One answer to this perpetual problem has been marketing forums because you can get acquainted with people who are doing the same things as you. We make every effort to cover as much as we can when we produce our articles, but just remember you will be receiving an incomplete set of guidelines. So much of what happens in online business is the result of someone deciding to test something out and it leads to something new. Leverage Social Media: You?re missing out on a lot if you launch a product on the internet without using a social media to create a strong buzz. Social sites like Facebook make it easier to reach out to your prospects and provide them with regular updates. You can use social media to pass on information regarding your product as well as to keep everyone updated. These social sites will provide a massive response when you do launch your product and it may even go viral. It takes a great deal of dedication, focus and effort to make a product launch successful. It?s important that you do whatever you can to ensure the launch day is big. Once your product is out in the market with a big bang, you can expect to have consistent sales just because of the work you put in the pre-launch phase. The tips that were made in this article will help you to have a launch day that is very successful.

Source: http://bigmarketing41.multiply.com/journal/item/4024/Learn-What-It-Takes-to-do-a-Profitable-Product-Launch

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