Have real estate investments peaked?? After years of growth during the Foreclosure Eva, investment purchases declined slightly last year after surging 64.5 percent in 2011.? ?With the cost and competition to buy distress sales growing and prices for normal homes rising, will investors pull back and start cashing in their assets?
Despite multi-billion dollar buying sprees by well-funded Wall Street hedge funds, real estate investors bought fewer properties in 2012 than they did in 2011, which was a record year for investors.? Investment-home sales declined 2.1 percent to 1.21 million from 1.23 million in 2011, but those sales had been well under a million during the market downturn.? Owner-occupied purchases jumped 17.4 percent to 3.27 million last year from 2.79 million in 2011, according to an annual survey by the National Association of Realtors.
?Investors have been very active in the market over the past two years, attracted mostly by discounted foreclosures that could be quickly turned into profitable rentals,? said NAR?s Lawrence Yun.? ?With rising prices and limited inventory, notably in the low price ranges, investors are likely to step back in coming years.?
The price to be a real estate investor rose significantly last year.? The median investment-home price was $115,000 in 2012, up 15.0 percent from $100,000 in 2011.? All-cash purchases remain common in the investment market: half of investment buyers paid cash in 2012,.? Forty-seven percent of investment homes purchased in 2012 were distressed homes. The median downpayment for both investment buyers was 27 percent, the same as in 2011.
Though investment buyers said they plan to hold the property for a median of 8 years, up from 5 years in 2011, indications are that changing economic conditions may put pressure on them to sell.
Six percent of homes purchased by investment buyers last year have already been resold, and another 8 percent are planned to be sold within a year.? In the 2011 study, 5 percent of investment homes were already resold, and 8 percent were planned to be sold within a year.?
?Property flipping modestly increased in in 2012,? Yun said.? ?However, this isn?t flipping in the sense of what took place during the housing boom.? Rather, investors generally are renovating and improving properties before placing them back on the market to resell at a profit.?
Forty-seven percent of investment buyers said they were likely to purchase another investment property within two years.? Twenty-nine percent of vacation buyers said they were likely to purchase another vacation home within two years, as did 31 percent of investment buyers.
Shell-encrusted beach defenses - large metal spikes embedded in concrete to obstruct landings ? stand on the beaches of South Korea's Baengnyeong Island.? The small island is South Korea's northernmost island and sits quite literally in North Korea's crosshairs.
BAENGNYEONG ISLAND, South Korea -- On the face of it there's nothing particularly exceptional about the Harmony Flower, a black and yellow 565-seat ferry that leaves the South Korean port of Incheon at 8.50 a.m. every day, heading northwest into the Yellow Sea.
Hikers in bright windproof jackets sit amid school children returning to their island home after a field trip to the mainland. A group of elderly Koreans settles in a circle on the floor for a game of cards.
Yet this must be one of the most precarious ferry routes in the world, plying the waters between two states still technically at war, and where the rhetoric from North Korea has raised tensions to levels not seen in years.
The Harmony Flower skirts North Korean territory, cruising beside disputed waters on its four-hour journey from Incheon to Baengnyeong, South Korea?s northernmost and most isolated island.
It's a sunny day, but cold, and with a bitter wind. A few hardy travelers brave the outside deck as the craggy outline of Baengnyeong comes into view through the early afternoon haze.
Baengnyeong, a 20-square-mile island, sits quite literally in North Korea?s crosshairs.
Baengnyeong is South Korea's northernmost and most isolated island. Since 1999, the island has been the scene of the most military incidents between the two Koreas. NBC News' Ian Williams takes viewers on a tour of the island.
Since 1999, this area has been the scene of most military incidents between the two Koreas. The North?s mainland looms to the east and north of Baengnyeong. At its closest point, it is just ten miles away.
Some 5,000 people live on Baengnyeong with roughly the same number of South Korean soldiers.
?The soldiers are quite tense at the moment,? said Hong Sang Chul, a driver, fishermen, shop owner and occasional tour guide, from high in one of the island?s watchtowers.
Local people have been told to keep off the beach after dark, but at low tide during daylight hours they take tunnels through the wall to collect mussels off the shell-encrusted beach defenses ? large metal spikes embedded in concrete to obstruct landings.
Sea of fire The disputed waters used to be a popular fishing ground, naturally replenished during times of tension when the fishermen stayed at home. Recently Chinese boats have been coming in growing numbers.
?There are usually around two to three hundred Chinese fishing boats out there,? Hong said. ?But a week ago they all left. They decided it was too dangerous to fish here.?
Baengnyeong is like a fortress, the coast lined with tall concrete walls, 30 feet thick in places and topped by layers of razor wire. It?s punctuated with watch towers every few hundred feet.
Ian Williams / NBC News
Baengnyeong is like a fortress, the coast lined with tall concrete walls, thirty feet thick in places and topped by layers of razor wire. It's punctuated with watch towers every few hundred feet.
Radar stations sit on top of the hills to give early warning of any North Korean attack, and red signs warn of coastal mine fields.
On top of one hill is a vantage point overlooking North Korea, beside which sit a decommissioned tank and a gun emplacement. A sign beside the gun informs that it has a range of 15 miles.
These weapons are for the benefit of visitors; the serious and more modern weaponry is hidden.
North Korea's young leader Kim Jong-un has issued almost daily threats, including the threat of nuclear strikes on Washington, D.C., and Seoul. In addition, Pyongyang has put its troops on combat readiness, warning that war "may break out at any moment." NBC's Ian Williams reports.
Earlier this month, the North Korean dictator was shown on television inspecting a missile base, and peering through binoculars at Baengnyeong. He threatened to turn it into a sea of fire.
?He was over there, that?s where Kim Jong Un was standing,? said Hong, pointing a small island, just off the main North Korean coast.
A little further round the coast is a large memorial to 46 sailors who died three years ago in the sinking of a South Korean patrol boat, the Cheonan, a little over a mile from the coast here, the apparent victim of a North Korean torpedo attack.
Another island, Yeonpyeong, to the south of here, was attacked that same year with a sudden barrage of artillery from the North that killed four people and injured 44 others. Both attacks came without warning.
South Korea, with a new and more hard-line president, has vowed to hit back hard and is unlikely show the same restraint as last time.
Hong has lived through years of threats and theatrics. But this ratcheting up of tensions feels new.
?Of course it worries me,? he said. "I am worried."
Related:
US F-22 fighter jets set to join South Korea military exercise
North Korea: Nukes are our country's 'life'
North Korea says it is entering 'state of war' with South
For the first time, an elusive step in the process of human DNA replication has been demystified by scientists at Penn State University. According to senior author Stephen J. Benkovic, an Evan Pugh Professor of Chemistry and Holder of the Eberly Family Chair in Chemistry at Penn State, the scientists "discovered how a key step in human DNA replication is performed." The results of the research will be published in the journaleLife on 2 April 2013.
Part of the DNA replication process -- in humans and in other life forms -- involves loading of molecular structures called sliding clamps onto DNA. This crucial step in DNA replication had remained somewhat mysterious and had not been well studied in human DNA replication. Mark Hedglin, a post-doctoral researcher in Penn State's Department of Chemistry and a member of Benkovic's team, explained that the sliding clamp is a ring-shaped protein that acts to encircle the DNA strand, latching around it like a watch band. The sliding clamp then serves to anchor special enzymes called polymerases to the DNA, ensuring efficient copying of the genetic material. "Without a sliding clamp, polymerases can copy very few bases -- the molecular 'letters' that make up the code of DNA -- at a time. But the clamp helps the polymerase to stay in place, allowing it to copy thousands of bases before being removed from the strand of DNA," Hedglin said.
Hedglin explained that, due to the closed circular structure of sliding clamps, another necessary step in DNA replication is the presence of a "clamp loader," which acts to latch and unlatch the sliding clamps at key stages during the process. "The big unknown has always been how the sliding clamp and the clamp loader interact and the timing of latching and unlatching of the clamp from the DNA," said Hedglin. "We know that polymerases and clamp loaders can't bind the sliding clamp at the same time, so the hypothesis was that clamp loaders latched sliding clamps onto DNA, then left for some time during DNA replication, returning only to unlatch the clamps after the polymerase left so they could be recycled for further use."
To test this hypothesis, the team of researchers used a method called F?rster resonance energy transfer (FRET), a technique of attaching fluorescent "tags" to human proteins and sections of DNA in order to monitor the interactions between them. "With these tags in place, we then observed the formation of holoenzymes -- the active form of the polymerase involved in DNA replication, which consists of the polymerase itself along with any accessory factors that optimize its activity," Hedglin said. "We found that whenever a sliding clamp is loaded onto a DNA template in the absence of polymerase, the clamp loader quickly removed the clamp so that free clamps did not build up on the DNA. However, whenever a polymerase was present, it captured the sliding clamp and the clamp loader then dissociated from the DNA strand."
The team members also found that, during the moments when both the clamp loader and the clamp were bound to the DNA, they were not intimately engaged with each other. Rather, the clamp loader released the closed clamp onto the DNA, allowing an opportunity for the polymerase to capture the clamp, completing the assembly of the holoenzyme. Subsequently, the clamp loader dissociated from DNA. "Our research demonstrates that the DNA polymerase holoenzyme in humans consists of only a clamp and a DNA polymerase. The clamp loader is not part of it. It disengages from the DNA after the polymerase binds the clamp," Hedglin added.
Benkovic noted that this mechanism provides a means for the cell to recycle scarce clamps when they are not in use for productive replication.
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Penn State: http://live.psu.edu
Thanks to Penn State for this article.
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BUFFALO, N.Y. (AP) -- Gov. Andrew Cuomo has postponed his trip to western New York to sign the state budget that was passed by the Legislature last week.
Cuomo's office says Monday morning that weather conditions have forced the postponement of the trip.
The governor was scheduled to hold ceremonial signings of the spending plan at noon Monday at the University of Buffalo's South Campus and at 2:15 p.m. at the Rochester Riverside Convention Center. There's no immediate word on when the trip will be rescheduled.
Lawmakers completed passage of the $135 billion budget late Thursday night, three days before the March 31 deadline. That gave the state its third-consecutive on-time budget.
Cuomo and legislative leaders call the spending plan a family-friendly, business-friendly and middle-class-friendly budget.
When writing your SEO articles, have you ever wondered how your images can affect your product's marketability or your written sales pitch's closing rates? We all know that images does in-fact help us optimize our contents, improve aesthetics, and increase the readability of our articles. But is that really all? To help you get a better understanding of how to increase your image's effectiveness when writing SEO articles, let me share with you the psychology behind how images can affect your contents and what type kind of images to use for maximum effectiveness. How images affect your SEO articles... A LOT of people are making the same mistake of using ANY KIND of image which relates to their product thinking that it has the same effects. Provided that the image does relate to their product, it should be OK to use it right..? WRONG! It'd be OK if you're a mediocre and weren't striving to maximize your sales but since we're trying to get better closing rates, you'd have to be wise in what image to use. Don't just use ANY IMAGE; use an image that promotes positivity. This allows your viewers to make positive decisions like, shall we say... BUYING? What do I mean by pictures that promotes positivity? Picture this out... If you're selling products which helps in better credit management, would using an image of a person that's broke be better than using an image that shows a person having financial abundance or freedom? Give it a few minutes and think if there's even a difference or which image you'd be using. In that scenario, the second image will have higher closing rates. Why you ask? It's mainly because the first image instills fear or a negative feeling. When people are on a negative mind-set, chances are they don't make the decision to buy simply because they're thinking negatively at the moment. Negative thinking, whether it's momentary or ongoing will promote more negative thoughts like distrust, doubt, scams etc... You seriously don't think anyone with that kind of thinking pattern would buy right? RIGHT! So if you have products to sell like, let's say... shoes. Don't even think about using an image of a person using a worn-out shoes or anything to that effect. Using this technique or psychology can get you wonders if you apply it. Reap its benefits. Be sure to use this psychology when writing your SEO articles.
New models predict drastically greener Arctic in coming decadesPublic release date: 1-Apr-2013 [ | E-mail | Share ]
Contact: Ian Vorster ivorster@whrc.org 508-444-1509 Woods Hole Research Center
Boom in trees, shrubs expected to lead to net increase in climate warming
New research predicts that rising temperatures will lead to a massive "greening," or increase in plant cover, in the Arctic. In a paper published on March 31 in Nature Climate Change, scientists reveal new models projecting that wooded areas in the Arctic could increase by as much as 50 percent over the next few decades. The researchers also show that this dramatic greening will accelerate climate warming at a rate greater than previously expected.
"Such widespread redistribution of Arctic vegetation would have impacts that reverberate through the global ecosystem," said Richard Pearson, lead author on the paper and a research scientist at the American Museum of Natural History's Center for Biodiversity and Conservation.
Plant growth in arctic ecosystems has increased over the past few decades, a trend that is coincident with increases in temperatures, which are rising at about twice the global rate. The research teamfrom the Museum, AT&T Labs-Research, Woods Hole Research Center, Colgate University, Cornell University, and the University of Yorkused climate scenarios for the 2050s to explore how this trend is likely to continue in the future. The scientists developed models that statistically predict the types of plants that could grow under certain temperatures and precipitation. Although it comes with some uncertainty, this type of modeling is a robust way to study the Arctic because the harsh climate limits the range of plants that can grow (as opposed to a rainforest environment where many more types of plants could exist in the same temperature range).
The models reveal the potential for massive redistribution of vegetation across the Arctic under future climate, with about half of all vegetation switching to a different class and a massive increase in tree and shrub cover. What might this look like? In Siberia, for instance, trees could grow hundreds of miles north of the present tree line. "We are already getting a glimpse of this as taller shrubs are now rapidly taking over some of the warmer tundra areas," said co-author Pieter Beck, a research associate at the Woods Hole Research Center. "Future impacts would extend far beyond the arctic region," Pearson said. "For example, some species of birds seasonally migrate from lower latitudes and rely on finding particular polar habitats, such as open space for ground-nesting."
In addition, the researchers investigated the multiple climate change feedbacks that greening would produce. They found that a phenomenon called the albedo effect, based on the reflectivity of the Earth's surface, would have the greatest impact on the Arctic's climate. When the sun hits snow, most of the radiation is reflected back to space. But when it hits an area that's "dark," covered in trees or shrubs, more sunlight is absorbed in the area and the temperature increases. In the Arctic, this results in a positive feedback to climate warming: the more vegetation there is, the more warming will occur.
"Increased plant growth will not offset this warming effect because plants in the Arctic absorb atmospheric carbon relatively slowly," said co-author Michael Loranty, an assistant professor at Colgate University.
"By incorporating observed relationships between plants and albedo, we show that vegetation distribution shifts will result in an overall positive feedback to climate that is likely to cause greater warming than has previously been predicted," said co-author and, Woods Hole Research Center Senior Scientist, Scott Goetz.
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This work was funded by the National Science Foundation, grants IPY 0732948, IPY 0732954, and Expeditions 0832782. Other authors involved in this study include Steven Phillips (AT&T Labs-Research), Theodoros Damoulas (Cornell University), and Sarah Knight (American Museum of Natural History and University of York).
After publication, the science paper can be found at: http://dx.doi.org/10.1038/NCLIMATE1858
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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
New models predict drastically greener Arctic in coming decadesPublic release date: 1-Apr-2013 [ | E-mail | Share ]
Contact: Ian Vorster ivorster@whrc.org 508-444-1509 Woods Hole Research Center
Boom in trees, shrubs expected to lead to net increase in climate warming
New research predicts that rising temperatures will lead to a massive "greening," or increase in plant cover, in the Arctic. In a paper published on March 31 in Nature Climate Change, scientists reveal new models projecting that wooded areas in the Arctic could increase by as much as 50 percent over the next few decades. The researchers also show that this dramatic greening will accelerate climate warming at a rate greater than previously expected.
"Such widespread redistribution of Arctic vegetation would have impacts that reverberate through the global ecosystem," said Richard Pearson, lead author on the paper and a research scientist at the American Museum of Natural History's Center for Biodiversity and Conservation.
Plant growth in arctic ecosystems has increased over the past few decades, a trend that is coincident with increases in temperatures, which are rising at about twice the global rate. The research teamfrom the Museum, AT&T Labs-Research, Woods Hole Research Center, Colgate University, Cornell University, and the University of Yorkused climate scenarios for the 2050s to explore how this trend is likely to continue in the future. The scientists developed models that statistically predict the types of plants that could grow under certain temperatures and precipitation. Although it comes with some uncertainty, this type of modeling is a robust way to study the Arctic because the harsh climate limits the range of plants that can grow (as opposed to a rainforest environment where many more types of plants could exist in the same temperature range).
The models reveal the potential for massive redistribution of vegetation across the Arctic under future climate, with about half of all vegetation switching to a different class and a massive increase in tree and shrub cover. What might this look like? In Siberia, for instance, trees could grow hundreds of miles north of the present tree line. "We are already getting a glimpse of this as taller shrubs are now rapidly taking over some of the warmer tundra areas," said co-author Pieter Beck, a research associate at the Woods Hole Research Center. "Future impacts would extend far beyond the arctic region," Pearson said. "For example, some species of birds seasonally migrate from lower latitudes and rely on finding particular polar habitats, such as open space for ground-nesting."
In addition, the researchers investigated the multiple climate change feedbacks that greening would produce. They found that a phenomenon called the albedo effect, based on the reflectivity of the Earth's surface, would have the greatest impact on the Arctic's climate. When the sun hits snow, most of the radiation is reflected back to space. But when it hits an area that's "dark," covered in trees or shrubs, more sunlight is absorbed in the area and the temperature increases. In the Arctic, this results in a positive feedback to climate warming: the more vegetation there is, the more warming will occur.
"Increased plant growth will not offset this warming effect because plants in the Arctic absorb atmospheric carbon relatively slowly," said co-author Michael Loranty, an assistant professor at Colgate University.
"By incorporating observed relationships between plants and albedo, we show that vegetation distribution shifts will result in an overall positive feedback to climate that is likely to cause greater warming than has previously been predicted," said co-author and, Woods Hole Research Center Senior Scientist, Scott Goetz.
###
This work was funded by the National Science Foundation, grants IPY 0732948, IPY 0732954, and Expeditions 0832782. Other authors involved in this study include Steven Phillips (AT&T Labs-Research), Theodoros Damoulas (Cornell University), and Sarah Knight (American Museum of Natural History and University of York).
After publication, the science paper can be found at: http://dx.doi.org/10.1038/NCLIMATE1858
[ | E-mail | Share ]
?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Farm workers in one of the biggest orchards in the country have been studying their Bibles during this season of Lent. That doesn't surprise me -- immigrants, including both documented and undocumented, are the fasting growing population in the American churches. What is unusual is that they are using the very same Bible study as thousands of Anglo churches across the country are using -- especially white evangelical churches. The Biblical course is called "I Was A Stranger." Each of the 40 days during Lent, it examines one of the many verses in the Bible that addresses how we are to treat "strangers in the land." What's even more unusual is how many of these Christians have also persuaded their elected representatives in Congress to do the biblical study with them!
For Christians, there is no day that more exemplifies hope and renewal than Easter. Each year on this day, we celebrate that the darkness of this world does not have the final say. When so much of the news from Washington, D.C. is bleak and inspires such little hope for the future, it is good to be reminded that more is possible than ever seems probable in our bleakest moments. While it remains to be seen, the issue of immigration just might be a reminder for us all of this reality. Many of those farm workers are feeling a lot of hope these days that the broken system that has endangered their lives and separated their families may about to be reformed.
For them, this Easter seems especially hopeful.
It would be an overstatement to say that Republican politicians suddenly discovered the case for comprehensive immigration reform in the exit polls of the 2012 election. But, there is truth to it. The shift in the party's approach to the debate since the returns came in has been stark. However, this shift on immigration for many conservative Christians started well before any election results came in and is now driving the conversation on immigration reform more than most realize. Here is the story you might not know.
There were seven days in Washington, between June 12 and June 19, 2012 -- one week -- in which a public policy discussion begun to turn around. Both George W. Bush and Barack Obama had tried to pass comprehensive immigration reform but were blocked in Congress by political maneuvering. But now, the winds are changing and reform seems close. And, a surprising group of evangelicals are helping to fuel the change.
On Tuesday, June 12, over a year's worth of work and building relationships was revealed with the public announcement of a new "table" of evangelicals committed to immigration reform. We launched a statement of principles that was signed by more than 150 evangelical leaders from prominent Hispanic evangelicals like Luis Cortez, Samuel Rodriguez, and Gabriel Salguero to prominent Anglo pastors such as Max Lucado, Bill Hybels, and Joel Hunter -- and even to Richard Land of the Southern Baptists Convention and Jim Daly of Focus on the Family.
The political disagreements of those who signed the statement are enormous, but still each person was united over their concern for the millions of people caught in a broken immigration system. Instead of dividing over ideology and politics, we came together for the sake of morality and the common good.
Early that Friday morning we got a call from the White House telling us that the president had decided to make a major announcement that day: young people under 16 years of age who had come to this country illegally when they were only children would no longer be subject to deportation. If they were law-abiding residents and had been to school, they would instead receive work permits that could be renewed every two years. It was similar to, though not as expansive as, the Dream Act, which Congress had previously voted against. That was very good news for the million and a half young people who have a dream of staying in the country they have lived in most of their lives. Instead of being placed in the deportation pipeline, they would now be enabled to contribute to the nation and help build America's future.
Two days later, on Sunday, there was great joy in churches across the country, with reports of many celebrations of Christians, both Hispanic and Anglo -- often together -- singing, dancing, and thanking God. It was also Father's Day, and many immigrant fathers felt for the first time in their lives the relief of not having their children living in the shadows of fear.
On Monday, the media pundits assessed the political situation. Contrary to many expectations, the Republican opposition to the president did not offer much pushback. Rather, some conservative Republican commentators now supported the action, described it as a good policy decision, and said it should have been done sooner -- which, of course, it should have.
By Tuesday, a poll showed that 70 percent of all Americans supported the decision to no longer deport young people who had lived here all of their lives and instead allow them to contribute to their real home country; only 30 percent opposed the move.
That week opened the door for a new bipartisan hope for immigration reform. But bipartisan results in politics are increasingly difficult to accomplish. It took moral pressure from outside the political system to get the system to slowly begin to work.
Some politicians have found themselves convinced by voting patterns and others by concern for immigrants, but what has fueled the change in opinion among the evangelical community has been clear. It all boils down to scripture and relationships. The Old Testament refers to immigrants 92 times throughout the text and almost all of those references have to do with treating immigrants with concern and respect. Jesus explicitly tells his followers in Matthew 25 that how they treat immigrants and "strangers" is equivalent to how they treat him. Christians are hearing the message the Bible has for them: if they treat immigrants and "strangers" well, they are treating Jesus well. If they treat immigrants and "strangers" poorly, they are treating Jesus poorly.
At the same time, more and more Christians are finding themselves sharing their pews with immigrants on Sunday. And while many of the country's major denominations are losing members, immigrant communities are increasing church rolls. To worship with someone is to know them better; many Americans are finding immigrants to be hard working, family oriented, and committed to both God and their communities.
These shifts had been happening naturally and informally in many ways over the past 10 years but now they are occurring in a focused and purposeful way. The Evangelical Immigration Table that launched last June has been methodically blanketing evangelical college campuses with conferences and summits discussing immigration reform. Tens of thousands of Christians and churches have responded to the 40-day scripture reading challenge. Radio ads are up or going up in key states across the country on Christian radio stations with pastors talking about the moral case for immigration reform.
Often times the legislation in Washington, D.C., is seen in terms of a "zero-sum game" -- when one person or party benefits, the other suffers. But, on immigration reform, that view is being challenged. Ultimately, it is not just immigrants that benefit from fixing our immigration system but churches, communities, law enforcement, and businesses will all benefit from these changes. If we can bring 11 million people out of the shadows, the whole country will be a better place.
It requires a change in thinking and perspective. It necessitates us going beyond an analysis of who is up or down in the polls or what congressional districts are up for grabs. It makes us ask the question that before party or ideology, how can we serve the common good? It is a question that can sometimes be harder to answer because it requires us to think outside of our normal boxes, but when we do wrestle with the answer, we all benefit.
Most people in America have lost their faith in Washington; the current and bitter "sequester" battle is a prime example of how some have lost sight of the common good. But in the same Capitol City at the same time and with the same players, the immigration debate is becoming an alternative example. That stark contrast bears some reflection.
So the common good is still possible in Washington, D.C., but only when we get beyond Washington. What hope requires is replacing bitter ideological battles with the search for the common good.
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Follow Jim Wallis on Twitter: www.twitter.com/jimwallis
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Public release date: 1-Apr-2013
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