Days before deadline, Obama urges Congress to act on 'fiscal cliff' (Washington Bureau)

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2012 Homebuyer Trend: Prioritize Family Over Economy by Destiny ...

Dec 12
30

? PR Web Minneapolis, Minnesota (PRWEB) December 29, 2012 The PulteGroup Home Index (PGHI) findings show that homebuyers prioritize family relationships. PGHI 2012 quarterly surveys comprised of home renters, homeowners, and potential homebuyers across the United States determine intentions, motivators and deterrents involved in the home buying process, sentiment toward the housing market, and housing trends and preferences. Destiny Homes owner Butch Sprenger says, ?We are seeing homeowners placing a greater priority on family relationships and quality time at home as they make home renovation choices. Where to build a home, what type of home to build, and trends in homeowners layout choices point to a feeling that building a home is all about family. Economic pressures have only heightened a family focus on home?. In 2012 PGHI were carried out four homebuyer surveys and focused on current hot topics from retirement to first?time homebuyers. 2012 survey results revealed several homebuyer trends, showing an increase in consumer confidence in the economy and the housing market: ????? 61 percent of Baby Boomers still in the work force plan to retire in less than 10 years and are on schedule with retirement plans. 73 percent report being financially prepared to retire in 10 years or less. ????? 61 percent of today?s home renters hope to buy a home within the next two years. ????? Top reasons why renter interest in buying a home is up: They want the American dream of homeownership, calling themselves homeowners (49 percent,) and they plan to ?..

Read the full article: http://www.equities.com/news/headline-story?dt=2012-12-29&val=875253&cat=business (only 1/3 of the full article is shown)

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Tags: A Little Positive, news, sentiment, trends

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Source: http://sentirate.com/?p=6882

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capture. create. inspire.: Last Minute Gift Ideas with Epiphany Crafts

The holidays are quickly approaching and I want to share a couple of quick and easy ideas you can use to?put together some last minute gifts using Epiphany Crafts tools and accessories.

First up?is this set of?candle holders. It only takes minutes to make them?with just a few supplies. I wrapped the wire around the candle holder a couple of times and then twisted?the wire around a pencil to curl it- you will want to leave a bit of the wire uncurled for the next step. ?After putting together my photo charms I added them to the wire and formed a small loop?from the remaining wire to secure them in place.

The Epiphany Crafts charms make great mini photo frames for projects like this one, but you could also use patterned papers, stickers, etc. to fill in the charms to match?the home of the recipient.
Supplies:
Epiphany Crafts Round 25 Shape Studio Tool
Epiphany Crafts Round 25 Charm Settings
Epiphany Crafts Round 25 Bubble Caps
Votive Candle Holders/ Candles
26 Guage Silver Wire

My second gift idea also uses the same metal charms to make this fun bookmark. You could create personalized bookmarks for each child (I know my children sometimes tend to disagree about whose bookmark belongs to who) or this would make a great gift for a grandparent or other family member. Again, you could also fill in the charms with patterned papers, stickers, etc. to create a fun gift for the recipient. To make the box I used my Silhouette Cameo to cut the Necklace Jewelry Gift Box by Rivka Wilkins. I needed an insert that would?hold the bookmark so I hand cut one to fit inside the box and hold?the bookmark?in place.

Supplies:
Epiphany Crafts Round 25 Shape Studio Tool
Epiphany Crafts Round 25 Charm Settings
Epiphany Crafts Round 25 Bubble Caps
The Jewelry Shoppe Plain Metal Bookmark
Jumpring
Silhouette Cameo
Necklace Jewelry Gift Box Studio file by Rivka Wilkins
Wausau Grey Textured Cardstock
Bazzill White Cardstock

Thanks for stopping by and have a great day!

Source: http://christinaheeren.blogspot.com/2012/12/last-minute-gift-ideas-with-epiphany.html

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Gulf Arabs demand end to Iran "interference"

MANAMA (Reuters) - A summit of Gulf Arab leaders on Tuesday demanded Iran end what they called interference in Gulf Arab affairs, reiterating the six U.S. allies' long-held mistrust of their regional rival.

A communique issued at the end of a two-day summit of the six-member Gulf Cooperation Council (GCC) also called on the international community to bring a swift end to massacres and violations of international law in Syria.

"The council expressed its rejection and condemnation of the continuing Iranian interference in the affairs of the Gulf Cooperation Council's states and called on Iran to stop these policies," the statement said.

On Syria, the statement, read out by GCC Secretary-General Abdulatif al-Zayani, added: "We ask the international community for serious and swift moves to stop these massacres and these severe attacks that contradict all religions and international laws and humanitarian principles."

The statement called on the international community "to provide all forms of urgent humanitarian aid" for the people of Syria.

(Reporting by Asma Alsharif; Writing by William Maclean; Editing by Jon Hemming)

Source: http://news.yahoo.com/gulf-arabs-demand-end-iran-interference-105611871.html

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Italy's Monti turns down Berlusconi offer to run

The need to save for retirement is accompanied by plenty of hints. Ads like ING's from a few years ago have neighbors toting around large orange numbers, or simply the word "gazillion" to demonstrate what they thought that their retirement numbers needed to be. Popular authors and academics like Lee Eisenberg, author of The Number, discussed what you'd need in retirement, while in-depth research from William Bengen came out with the 4 percent drawdown as well as, more recently, Wade Pfau's research arguing that even a 4 percent withdrawal rate in retirement might be too risky. ...

Source: http://news.yahoo.com/italys-monti-turns-down-berlusconi-offer-run-111315555.html

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Gilead bags blood disorder drug with YM BioSciences buy

(Reuters) - Gilead Sciences Inc will buy Canada's YM BioSciences Inc for about $465 million in cash to gain access to its experimental blood and immune cell disorder drug.

Gilead said it will pay $2.95 per YM share and plans to fund the acquisition with cash on hand.

YM shares, which closed at C$1.66 on Tuesday, were trading up 72 percent at $2.86 on the Toronto Stock Exchange.

Gilead, which is currently conducting mid-stage trials of its own drug for myelofibrosis, will begin a pivotal late-stage clinical trial of YM's lead drug, codenamed CYT387, in the second half of 2013.

The drug CYT387 is being tested in patients with myelofibrosis, a rare blood disorder with limited treatment options.

The transaction is expected to close in the first quarter of 2013.

BofA Merrill Lynch and Bloom Burton & Co were financial advisers of YM, while Gilead was advised by Wilson Sonsini Goodrich & Rosati and Blake Cassels and Graydon LLP.

Shares of Incyte Corp, which sells the drug Jakafi to treat myelofibrosis, fell 6 percent to $16.76 on news of Gilead's deal with YM.

Gilead shares were up slightly at $76.62 on the Nasdaq.

(Reporting by Adithya Venkatesan and Shounak Dasgupta in Bangalore; Editing by Roshni Menon)

Source: http://news.yahoo.com/gilead-buy-ym-biosciences-465-million-140637676--sector.html

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Ways To Get All Of Your Debts Discharged In A Bankruptcy | Trade ...

You must obtain a bankruptcy lawyer when filing for bankruptcy. Qualified lawyers have the ability to counsel you on whether or not you should file for bankruptcy and can also take care of court appearances. They will also help to unravel the complexities from the documents and provide any further information you need.Once you fill out the documents for filing bankruptcy, make sure to checklist every single financial debt that you might want to get removed. Debts which you ignore to incorporate in your documents won?t be discharged. It really is exclusively your duty to make certain all important information is recorded. This can assist you be sure to don?t find yourself paying out debts which should have already been discharged.

Chapter 13 bankruptcy may well be a excellent option, so don?t forget about it. Using a consistent earnings source and less than $250k in financial debt, consider filing for Chapter 13. The advantage of this prepare is basically that you maintain private possessions and exclusive real estate and your debts are repaid by an organized settlement prepare. This repayment time generally endures from 3 to 5 several years. If you build your obligations consistently throughout that time, any leftover unsecured financial debt is going to be removed. However, when you miss even 1 settlement, the court will dismiss your entire scenario. Enjoy how debts are compensated out ahead of filing. The regulations regarding bankruptcy usually prevent you from paying out rear some creditors for as much as 90 time just before filing, and friends and relations for as much as 1 year.

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Study suitable restrictions ahead of making any monetary choices.

Ensure you know how Chapter 7 and Chapter 13 differ. If you file making use of Chapter 7 bankruptcy, you will definitely get all your debts removed. Any ties that you have with creditors is going to be dissolved. Using a chapter 13 bankruptcy, a 60 calendar month time frame is going to be recognized that you will repay the all the of your financial debt as you can. Pursuing the 60 calendar month time frame, the remainder of your financial debt is going to be excused. Spend some time to learn more about these different alternatives so you can make the best choice attainable. Once you file for private bankruptcy, it does not automatically signify all of your current debts is going to be discharged. Chapter 13 bankruptcy enables so that you can consolidate your debts, repaying those that are most essential in a cost-effective way. A lot of people think paying out out their debts can be a ethical obligation, so stay away from filing bankruptcy. This particular bankruptcy allows people to fulfill their creditors and look for comfort from your heavy load of financial debt.

You must be able to fulfill having a special lawyer for free to inquire about your queries. Free of charge consultations are normal practice among bankruptcy lawyers, so job interview several prospects before you make a final choice. Help make your choice soon after all of your current inquiries have already been resolved. Following meeting, you will be not quickly essential to create a decision. Take your time, and schedule consultations with more than 1 lawyer. Rather than looking at on-line, try to get referrals from family or friends regarding a suitable bankruptcy legal professional. Don?t be consumed by some fly-by-night time company that is available simply to income from your enduring of others. Check out any lawyer you are considering completely just before interesting him or her.

Be as trustworthy while you possibly can when filing for bankruptcy concealed liabilities or assets will only injured you in the long term. Whomever you utilize to file with have to know every thing there is to know about your financial situation, equally good and bad. Don?t carry rear info and create a method so you can deal with what?s really going on. As you can tell, you don?t should surrender to bankruptcy. The tips written in this informative guide can lead you to definitely the correct course in staying away from bankruptcy. Begin utilizing the info you acquired because of this write-up and then make alterations so you may possibly not have to wreck your credit score. In case you are sensing downward, use the internet to talk with other people who have been by way of bankruptcy. Due to more tension involved in a bankruptcy filing, you could possibly feel isolated out of your buddies. The net allows you to talk with other people who have survived bankruptcy and reap the benefits of their activities. Always be trustworthy when you file for bankruptcy. Your petition might be quickly dismissed with the court as long as they uncover you might have been lying. Double check all you fill out and make sure it is precise. This will demonstrate the court you will be acting in excellent faith and can affect those to guideline properly inside your scenario.

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Source: http://www.tradefinancebank.com/ways-to-get-all-of-your-debts-discharged-in-a-bankruptcy/

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Syrian violence touches Turkey, Lebanon

In this Sunday, Dec. 2, 2012 photo released by the Syrian official news agency SANA, a Syrian soldier aims his rifle at free Syrian Army fighters during clashes in the Damascus suburb of Daraya, Syria. Syrian warplanes and artillery pummeled areas in and around Damascus, Aleppo and several other cities, on Sunday according to reports received by human rights activists. Intense fighting persists as rebels try to push their way back into the capital, where President Bashar Assad has his power base. (AP Photo/SANA)

In this Sunday, Dec. 2, 2012 photo released by the Syrian official news agency SANA, a Syrian soldier aims his rifle at free Syrian Army fighters during clashes in the Damascus suburb of Daraya, Syria. Syrian warplanes and artillery pummeled areas in and around Damascus, Aleppo and several other cities, on Sunday according to reports received by human rights activists. Intense fighting persists as rebels try to push their way back into the capital, where President Bashar Assad has his power base. (AP Photo/SANA)

In this Sunday, Dec. 2, 2012 photo, released by the Syrian official news agency SANA, a Syrian soldier aims his rifle at free Syrian Army fighters during clashes in the Damascus suburb of Daraya, Syria. Syrian warplanes and artillery pummeled areas in and around Damascus, Aleppo and several other cities, on Sunday according to reports received by human rights activists. Intense fighting persists as rebels try to push their way back into the capital, where President Bashar Assad has his power base. (AP Photo/SANA)

In this Monday, Nov. 19, 2012 file photo, Syrian fighters stand on a tank they took after storming a military base in Aleppo. Through mid-2012, rebel power grew and Assad's army ramped up its response. Relentless government shelling leveled neighborhoods and killed hundreds. Regular reports emerged of mass killings by the regime or thugs loyal to it, pushing more Syrians toward armed struggle. The government, which considers the opposition terrorist gangs backed by foreign powers, denied any role, and does not respond to requests for comment on its military. The rebels, too, were accused of atrocities. (AP Photo/ Khalil Hamra)

Supporters of Lebanese anti-Syrian regime and Salafist group leader Sheikh Ahmad al-Assir chant slogans during a protest against the Syrian regime in southern port city of Sidon, Lebanon, Sunday, Dec. 2, 2012. (AP Photo/Mohammed Zaatari)

Supporters of Lebanese anti-Syrian regime and Salafist group leader Sheikh Ahmad al-Assir chant slogans and wave Syrian revolutionary flags during a protest against the Syrian regime in southern port city of Sidon, Lebanon, Sunday, Dec. 2, 2012. (AP Photo/Mohammed Zaatari)

ANKARA, Turkey (AP) ? Syrian warplanes on Monday bombed a security building that had been taken over by rebels along the Turkish border, killing at least one person, wounding 20 more and sending dozens of civilians fleeing across the frontier, a Turkish official said.

The conflict also spilled into Syria's eastern neighbor, Lebanon, after Lebanese troops exchanged fire with rebels across the border late Sunday. Violence from Syria's 20-month-old uprising has on several occasions touched neighboring countries, fueling concerns that the Arab Spring's longest and deadliest revolt could touch off a regional war.

The violence came as Russian President Vladimir Putin, a close ally of Damascus, headed to Turkey for talks likely to be overshadowed by the two countries' differences over Syria. Ankara is expected to press Putin to stop backing President Bashar Assad's regime. Moscow has shown no inclination to relinquish its support for its last Middle East ally, whom it has shielded from international sanctions and continued to provide with weapons amid the escalating civil war.

An official from the mayor's office in the Turkish border town of Ceylanpinar said a Syrian jet targeted a security building that had been overrun by rebels, dropping two bombs on an area some 300 meters (yards) from the Turkish border.

Turkish ambulances ferried at least 21 wounded Syrians from the border to Ceylanpinar's hospital, the official said on condition of anonymity in line with Turkish government policy. One of the wounded later died in the hospital, the official said, adding that witnesses in Ras al-Ayn told him more than a dozen people were killed in the bombing.

Television footage from Turkey's Anadolu agency showed a large plume of smoke rising over the town, and dozens of Syrian civilians were also seen fleeing into Turkey after crossing through a barbed wire fence at the border.

Lebanon's state-run National News Agency said that Lebanese soldiers stationed near the village of Qaa in the Bekaa Valley returned fire into Syria after "armed men" shot at them from across the frontier late Sunday. The agency quoted a statement from the Lebanese army that said there were no casualties.

In Syria, activists reported heavy fighting between rebels and regime troops in the southern suburbs of Damascus as the army pressed an offensive to regain lost territory near the capital, including two air bases.

The Britain-based Syrian Observatory for Human Rights said the fighting Monday was concentrated in districts just south of Damascus, including in areas near the airport. The Observatory, which relies on reports from activists on the ground, said there were casualties.

The Damascus suburbs have been opposition strongholds during the 20 months of fighting aimed at toppling Assad. The fighting over the past few weeks in and around Damascus ? the seat of Assad's power base ? has been the most serious in the capital since July, when rebels captured several neighborhoods before a swift government counteroffensive swept them out.

The SANA state news agency said a car bomb detonated near the Engineering College in Aleppo, wounding four people. The report said "terrorists" ? a term the regime uses for rebels ? were responsible for the attack in the northern city that has been a major front in the civil war since the summer.

Also on Monday, U.S. Secretary of State Hillary Rodham Clinton reiterated President Barack Obama's declaration that Syrian action on chemical weapons was a "red line" for the United States that would prompt action.

Syria is believed to have several hundred ballistic surface-to-surface missiles capable of carrying chemical warheads.

Its arsenal is a particular threat to American allies Turkey and Israel, and Obama singled out the threat posed by the unconventional weapons earlier this year as a potential cause for greater U.S. involvement in Syria's civil war. Up to now, the United States has opposed military intervention or providing arms support to Syria's rebels for fear of further militarizing a conflict.

In Washington, a U.S. defense official said American and allied intelligence officials have detected activity around more than one of Syria's chemical weapons sites in the last week. He spoke on condition of anonymity because he was not authorized to speak publicly about intelligence matters.

He said officials don't believe any developments with the weapons are imminent but are trying to figure out what the Syrians are doing.

More than 40,000 people have been killed since the Syrian revolt started in March last year.

Clinton said the actions of Assad's government have been deplorable, but the use of chemical weapons would bring them to a new level.

"We have made our views very clear: This is a red line for the United States," Clinton told reporters in Prague.

"I'm not going to telegraph in any specifics what we would do in the event of credible evidence that the Assad regime has resorted to using chemical weapons against their own people. But suffice it to say, we are certainly planning to take action if that eventuality were to occur."

Syria's Foreign Ministry denied Damascus has chemical weapons, and said in a statement to Syrian state TV that it would never use them against its own people, even if it had them.

___

Surk reported from Beirut. Associated Press writer Bradley Klapper in Prague and Pauline Jelinek in Washington contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-12-03-ML-Syria/id-051b35dbf4fd4957b28d83cb5ed9d4ab

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