If you want to know if a short sale can save your house, read this article.
If you are wondering how short sales work and if a short sale could be right for you read the following article. ?It goes over the short sale process and information. Check out the details below.
If you are struggling to find a buyer for your home who will pay you enough to cover your mortgage payoff, you are not alone and there may be a solution for you. A short sale can be very useful in these types of situations and they are becoming increasingly common as the real estate market has been taking a bit of a ?beating? as of late. A short sale is when you sell your home and the lender agrees to accept a balance that is less than the full amount that you owe them.
Now why would the lender agree to accept less than the full amount that is due to them? This is a very good question. First off a short sale benefits the lender by getting the property off of their books and saving themselves from the possibility of having to foreclose on the property. If the lender has to foreclose on the property, the amount of time and money they will need to put into the process will be quite considerable. Therefore, by agreeing to allow you to sell your home for less and take what the market will give you, helps you out and helps the lender out.
If you are in this situation then working with a real estate agent who is familiar with short sales will come in quite handy. A real estate agent who is knowledgeable and experienced in short sales can really make this process go much smoother and can give you a better chance at getting your short sale request with the lender approved.
Once you have a bona fide offer made on your home that is not enough to cover the cost of the mortgage, you need to contact your lender and request a short sale. You will need to send in your request to the lender with all of the details of the sale along with your request for the short sale itself. Once the lender receives your request they will review it and all applicable documents and information and make a decision as to whether they will accept your short sale request or not. An experienced Realtor can give you assistance with this request to give you the best chance for it to be approved.
Once your request for a short sale has been approved and the home is sold, you are relived of any further obligations to this home and mortgage. The lender will release you from any remaining balance and you will be done. However, there has to be a drawback to this, right? You can?t just get out of this ?scott-free? can you?
Yes, there is one drawback. Normally, the mortgage lender will provide you with a 1099c, a cancellation of debt form, in the amount of the shortage of money that they received from the short sale. This does not mean you have to pay any money back, but what it does mean is that you will have to report this on your taxes for the appropriate tax year and this amount will be treated as ?normal income? and you will have to pay taxes on it as though you had earned the money during that year. A small price to pay to be able to get away from your home mortgage debt without a foreclosure affecting your credit.
Therefore, if you have any thoughts that you may have a hard time selling your home for what you owe on the home, you may want to ask around to some various Realtors if they have had any experience dealing and assisting with short sales before you decide on which one to sign a contract with. This may help out in the long run, if necessary.
Starting a New Life in Switzerland?while pregnant | walkingon travels
As we settle into life as a family of four with baby Ty I?ve invited a few fellow travelers to share some of their stories. Up first was Nancy from?Family on Bikes?sharing her tale of?traveling to Ethiopia?with her 6-week-old twin boys. Amy at?Livin on the Road?gave us a peek at her travels as a ?family of 6 making their way around?Australia in an RV. Last week Claudia at?The Travelling Mom?shared her family?s favorite spots around Vancouver, BC. This week I am thrilled to introduce you to one of my best friends, Tara, who moved to Switzerland last year to live with her boyfriend and give birth to their beautiful baby girl.?
Who wouldn't want to give birth in Bern, Switzerland with a hospital view like this!
I was seven months pregnant when I boarded my one-way flight from Detroit to Zurich. I was relocating my life to my boyfriend?s home town of Bern, Switzerland, to have our baby, to raise our family, to start over.
My other baby, a blue Mustang convertible, was on a container ship packed with my belongings.
I was saying so long to the United States, my family and friends, my journalism career, my ability to understand anything anyone was saying.
It felt monumental. And it almost didn?t happen.
Mustang all packed up and ready to go on the boat
The day before the big move, I was packing shipping boxes. Three 25 pounders filled with baby supplies.
I hadn?t actually lifted the boxes. I was folding blankets the first time I felt it. A sharp, stabbing abdominal pain. It took my breath away.
The worst of it lasted a minute then passed. A couple of hours later I felt the same, horrendous stabs. It kept happening. I was nervous.
These weren?t Braxton Hicks contractions or round ligament pains. This was not something you want to feel while trapped on airplanes for a day with a not-fully-baked person inside you.
Another good jolt six hours before my flight sent me to the emergency room.
Ultrasounds showed baby girl was fine, no signs of what was causing the pain, but there was a problem with my kidney. Looked like a cyst. Maybe a tumor. Doctors recommended I skip the flight and get a check-up the next day.
I thanked my lucky stars for having the good sense to buy travel insurance. That is, until I tried to use it. Turns out I?d still have to pony up several thousand dollars for a new ticket. I could then submit a claim and hope the insurance company would pay for it.
Let?s just say I have a love-hate relationship with insurance companies. I hate them. They love my money.
Since the baby was fine and this kidney thing wasn?t going anywhere overnight, I boarded my flight.
Very sad. Very excited. Hoping that the pain would not get worse.
The flight was like any other flight while pregnant. Tons of water. Tons of bathroom trips. Tons of fantasizing about what it would be like to have a baby in a new country where I understood, well, NOTHING in German.
Luckily, I didn?t feel much pain, except when the little bean stood up on my bladder.
Tara slowly transitions to her new life in Bern, Switzerland
I arrived in one piece, happy to be reunited with my boyfriend and begin the real work of establishing a new home.
Searching for doctors and obstetricians who spoke English.
Researching and enrolling in the mandatory insurance programs.
Tracking down my stranded Mustang.
Setting up our new apartment.
Preparing for the arrival of our daughter.
Learning the public transit system and the names of common food items.
It was a whirlwind couple of months.
My doctors, which I found through a U.S. State Department online list, took care of everything. No tumor, but a minor, common pregnancy-related kidney issue that had to be monitored through the end of my pregnancy.
My boyfriend helped me learn his home-town ropes and we soon fell into an easy rhythm.
Pregnant in Nice, France 2011
We even had time for a trip to Nice, France, where I was the maid of honor in one of my best friend?s wedding.
The transition was going smoothly, but I must admit I was on pins and needles anticipating the birth.
My doctor spoke excellent English, but the midwives who would be assisting me in labor were a little less fluent. I thought I could rely on my boyfriend to help there.
But it wasn?t until a tour of the birthing clinic that I realized how difficult it was for my him to translate baby-related issues for me. He was a first-time dad. Even the German terms were Greek to him. The look on his face while he tried to comprehend childbirth was terrifying then, kind of funny now.
But everything worked perfectly. Like so many things in life, what needs to happen will find a way of happening. Even if it takes a few extra minutes to cobble together English / German / invented sign language sentences.
Baby Sophie gets weighed by the midwife
This was Switzerland, after all and a sophisticated, mother-centric birthing hospital.
In the weeks before the birth, I?d picked up a few key German words and the midwife who helped me during labor spoke English. So did the doctors who performed my C-section and the staff of midwives who cared for me and my healthy daughter during the following week.
We even had an English-speaking midwife come to our house during the first couple of weeks home. By then my boyfriend had also been schooled in translating any leftover words I couldn?t understand.
It was a wonderful, if a little frenzied, experience settling into (or should I say thrusting myself into) my new life.
The advance planning I had done helped some. Worrying did not. Trusting that things would work out in the end, even if I could not see (or plan) how, was absolutely essential.
Welcome to the world baby Sophie. Let the adventure really begin.
Tara is a stay-at-home mom living the expat life in Bern, Switzerland. Life as a new mom in a foreign country has been, in so many ways, rewarding and challenging. It?s easy to become overwhelmed, but she just takes it day by day. Follow her journey at Another 52 Weeks. Look for more excitement from Switzerland when Dek, Ty and I head over for a visit this coming fall.?
WATERLOO, Ontario (AP) ? Research In Motion Ltd., the maker of the BlackBerry, is in steep decline. The company, once the crown jewel of the Canadian technology industry, is now worth 1 percent of Apple's market capitalization. One way for RIM to stop the downward tailspin: It could sell itself to a competitor or financial firm. But who would step up to buy RIM ?and why?
Late Tuesday, the company said it expects to post an operating loss for the current quarter, a sign that BlackBerry sales are falling even faster than analysts expected. On Wednesday, the company's stock hit its lowest level since 2003, the year RIM went from making two-way e-mail pagers to smartphones.
The stock has fallen 93 percent since their peak in 2008. Since then, the BlackBerry's dominance as the smartphone for on-the-go business people has been eviscerated by Apple Inc.'s iPhone, and more recently, by phones running Google Inc.'s Android software. Research firm IDC says BlackBerrys now account for 6.4 percent of the global smartphone market, a third of what they had two years ago.
In that time, the company's financial performance has suffered. RIM reported a 25 percent revenue decline in the latest fiscal quarter, to $4.2 billion from $5.6 billion. For the full fiscal year that ended on March 3, it earned $1.2 billion, or $2.22 per share, on revenue of $18.4 billion. That's down from net income of $3.4 billion, or $6.34 a share, on revenue of $19.9 billion in fiscal 2011.
RIM issued the dire warning about its business Tuesday, adding that it will lay off a "significant" number of employees.
Still, the company is defiant. Chief executive, Thorsten Heins, says he can turn things around with the help of fresh smartphone software. Heins joined RIM four years ago and was most recently its chief operating officer. He replaced co-CEOs Balsillie and Mike Lazaridis in January after the company lost tens of billions in market value.
"My charter from the board of directors is very clear: long-term value creation with RIM," Heins told The Associated Press in an interview at the company's headquarters in Waterloo, Ontario, earlier this month.
Analysts give RIM only a slight chance of coming out of the crisis. To hedge its bets, the company has hired bankers to look at its options. It's not actively looking to sell itself, Heins said, but it wants to be prepared.
"We are prudent because we know the situation is somewhat challenging," Heins said. "So we are just looking at everything that could be an option. That doesn't mean we are pulling on those options. But we need to understand ... what is our field of action that we could take in case we need to?"
As RIM's prospects worsened, last year marked a turning point in the way analysts assess RIMs value. Instead of treating it like a company with a future, they started looking at it as a collection of parts that could be split up and sold separately to the highest bidder.
Michael Walkley at Canaccord Genuity believes most of the company's value lies in the monthly fees it gets from phone companies in exchange for running the systems that deliver email and Web pages to BlackBerrys.
RIM has 78 million users connected to this system, but Walkley estimates that only 20 million are corporate and government users who are likely to stick around because of the communications security RIM provides. The rest are consumers who will jump to competing phones, he believes. That business is worth about $2.75 billion to a competitor, Walkley wrote in a research report Wednesday.
The other major component of RIM's value is its patent portfolio. The company had an early scare in U.S. patent courts in 2006, when it was forced to pay $612.5 million to a small company founded by an inventor who had patents on wireless e-mail delivery. Since then, it's filed for thousands of patents to use as a defense against future suits.
Patents on wireless technologies exploded in value last year, as Apple and Microsoft Corp. started suing makers of phones that run Google's Android software. Countersuits followed. A consortium that included Apple and RIM bought the patents of a defunct Canadian maker of telecommunications gear, Nortel, for $4.5 billion last year. That compares with the $1.13 billion Nortel's once-prominent wireless networks business fetched in 2009.
As a counter-move, Google bolstered its own patent portfolio by buying Motorola Mobility Holdings Inc., a U.S. phone maker with only slightly better prospects than RIM, for $12.5 billion.
Where does that leave RIM? Christopher Marlett, the CEO of MDB Capital, said RIM's patents are worth more than $1 billion, and could be worth as much as $4 billion if a bidding war develops between Apple, Google, Microsoft Corp. and perhaps Samsung Electronics Co.
"It's a question of how aggressive they get," Marlett said. His firm is an investment bank that focuses on intellectual property, including patents.
Walkley puts the value of RIM's portfolio at $2.5 billion, excluding the patents RIM bought from Nortel and shares with Apple, Microsoft and other buyers.
RIM has $2.1 billion in cash, but Walkley discounts this completely, since the phone business will likely start using up cash soon, and downsizing will require severance payments. That means the email network and the patents comprise RIM's entire value at $5.25 billion, by his estimate.
That's very close to RIM's current market capitalization, at $5.4 billion, though a buyer could be expected to pay a premium.
The cash cushion also means that RIM is in no imminent danger of going bankrupt. But as the shares decline, RIM is likely to face increasing pressure from shareholders to unlock the company's value through a sale, and to abandon the comeback plan.
A possible middle ground would be to sell the patent portfolio while keeping the rest of the company. Two months ago, AOL, once a pioneering Internet service provider, sold and licensed its patents ?which are more modest than RIM's for $1 billion? to Microsoft.
Microsoft is one company that's been suggested as a potential RIM buyer. The software juggernaut is trying to get back into smartphone software, but its Windows Phones haven't been popular so far. Buying RIM could give it a chance to establish itself as a provider of trusted wireless email services, though moving subscribers from BlackBerry to Windows could be challenging.
___
AP Technology Writer Peter Svensson contributed from New York.
Three Simple Ways To Find Success With Your Internet Business ...
Product creation, at least on the surface, seems like something that requires a very specific sort of mindset because there are not a lot of individual web marketers who will attempt to do it themselves. Typically, affiliate marketing is the route people choose to go. Maybe people believe that product creation is just too hard but the truth is that it isn?t all that hard at all?in fact, it can be quite a lot of fun. So don?t let yourself get pushed to do one thing or another?the decision is a personal one that you need to decide for yourself. In the next few paragraphs we?ll offer some insight into the pros and the cons of product creation. Furniture Craft Plans
The impact of your own thoughts can be huge on the success of your Internet business. It can influence your business in both positive and negative ways. To make a long story, short, chances are excellent you will not make any money for quite a while. Your success will usually come with a few knocks. You will lose your direction and money as you try. You will not be able to keep going by saying the mantra "the money will appear" ? it simply won?t work. A better choice would be to say I want my kids to have a much better life than I have. This is not an empty goal by any means. You need to have a goal, or goals, in which you are emotionally invested as much as possible. This point shows you that some people are going to see your product negatively as well as positively. It all has to do with responsibility and how you view it and if that is what you want, or don?t mind having in your life. All of the creation and promotion of your product is going to be up to you. Of course, this means that you are going to have more control too. But there are a few people who hate the idea of that kind of responsibility and effort. This is fine and it?s a call you?ll need to make, so just remember all of this if you decide that you want to take on product creation after all. Makita BSS501 review
An organized approach is what will manifest at some point, resembling order and structure in what you are doing. If you have not thought about time management, then that is something you cannot do too soon. Your business can potentially be saved, along with your sanity, when you approach business using this organized perspective. Time management allows you to determine what needs to be done each day. This list will help you immensely. As long as you have a list to guide you, you will go in the right direction almost every time. Odds are, this will look overwhelming. Many people will definitely agree. Just keep going, and learning. Eventually, everything will become easier and more comfortable over time.
As you continue your education in online business and marketing, you will pick up lessons and tips here and there. You need to figure out things on your own as best as you can. You are going to make mistakes, but these experiences will teach you many things. Your confidence will continue to grow, and you will become more comfortable with what you do everyday. The WoW Colosseum
Stay Fit Together with Fitness Equipment | PersonalDevelopmentA-Z ...
In line with the raspberry ketones reviews Study Journal, presence of compounds like L-theanine, improves the immune effect of the human body to microbial infection like shhh and cold and flu. Intestinal health is likewise enhanced simply by drinking frosty tea frequently.
A home health club can be much bigger fun along with effectual when compared with performing physical exercises in a fitness club. The major good thing about a home exercise regime is that you do not possess to wait for implementing the fitness machines and equipment that you want to. In a fitness club, you will have to lose time waiting for your utilize use treadmills, stationary cycles, and other health club equipments, till they become available. Think you have plenty of time for that? Subsequently, for those who opt for a dwelling fitness gym, you will not have to lose time waiting for your change. You will never have to wait to use the fitness machines that you want to.
When you imagine health care, most of the time, the first individuals you think of usually are doctors along with nurses. Thats because these are the food lovers fat loss system review people interface having 90% of the time when youre being treated to get a disease as well as need surgical procedures. However, allied health pros cover a new veritable cornucopia of work that are from a technical perspective demanding, and are also essential in prosperous patient proper care. There are thousands of work available in the particular allied health field, plus the demand for most of these jobs continue to grow.
A chiropractor seemed to be utterly impressed that I had never been to view a chiropractor in advance of. I explained to him the bike products my back problems, except if we had a base of ideal on the ground without snowplows to move the item. This is what Occupational Therapy is supposed to be about, although I had no clue that riding a bicycle was actually alleviating my own back trouble.
All the youngsters in my area were lively. We produced endlessly within the neighbourhood actively playing Hide & Look for, the more aged boys experienced Football on the street in the summer along with Hockey in the wintertime. The girls does Gymnastics, wife swapping like monkeys on the Horse Bars along with Swing Sets along with doing cartwheels along with handstands on the turf. What we all had in common seemed to be that we never stopped relocating and we may all observe our steak. We would rather run when compared with walk along with were regularly being explained to to -slow down-. There was only 1 chubby child in my entire education - although these people by the current standards, although be considered a -standard size- youngster. There were just one or two kids' movies that you could watch at the movie theater and there hasn't been too much to look at on TV - not really that it mattered since we were solely allowed to watch 1 hour of TV each week, and we exercised that correct by viewing Saturday morning shows.
Ignorance is often a bliss this has become the deal. A long been promulgated thought has been inculcated inside the minds of men and women and has formed their steps since time immemorial. People in politics, in general, work with this concept because they swiftly circumvent every demand super beta prostate reviews versus them - at this moment, that was just by a few laughters. They say the lesser you recognize, the cheaper the dangers to the life. Yet this is not always true.
Swift Mortgage loan Guidelines for Dwelling Financial loans, Equity ...
If you are contemplating a mortgage loan loan, you might be wondering what alternatives are offered. Currently, there are lots of choices apart from the traditional strategies of obtaining a home loan. No matter whether you?re making use of for a house financial loan to get a new dwelling, a refinance personal loan, an equity loan, a HELOC, or even a reverse financial loan, it is best to be aware of what each and every bank loan entails.
Obtaining a brand new Home
When obtaining a new property, you?ll have to be authorized to get a new house personal loan by means of a lender, or inquire the vendor to finance the home for you personally. Just before applying at a lending institution, investigation your possibilities. Identify just how much ?house? you may pay for. Use on the net mortgage payment calculators to determine what the payments would be for various property loan quantities. Then, you?ll know what value array you can store within, and regardless of whether or not you could afford to pay for the payments. Keep in mind, your income/debt ratio need to fit within the lender?s recommendations to qualify to get a traditional loan.
Healthy and ?Not-so-healthy? Credit Scores
When you have a great credit rating, then your income/debt ratio as well as the investment richesse you may have out there will probably be the main elements in determining property personal loan availability. On the other hand, if you?ll find flaws in your credit background due to non-payment or repossession, you?ll be limited within the type of residence personal loan you could acquire. But do not shed heart. Quite a few homebuyers whose credit is ?not-so-great? do qualify for non-prime financial loans. Non-prime loans could be a bit higher-priced than prime loans or have greater interest, but you may nonetheless have the ability to obtain your aspiration household!
Creative Financing
Do not accept standard loans if you do not must. There are numerous creative approaches to finance a new household bank loan. Should you do not have the required investment money or perhaps a down payment, some loan companies will finance the down payment for you in addition to the closing fees. If not, the seller might be prepared to finance component with the personal loan to go over these costs. This may function even if the vendor does not have additional ?money to lend!?
Explain to the seller that it may be beneficial to him because of earnings taxes. He might considerably rather claim an earnings of $100,000 than $120,000! Spreading out payments for $20,000 from the mortgage amount more than a time period of five or ten many years could make a massive distinction on his taxes owing for that calendar year. Consult by having an accountant to find out if this might operate in your scenario.
Unusual Varieties of Home Financial loans
If you are worried about budgeting having a new home financial loan payment each and every thirty day period, attempt a FlexPay financial loan where a number of month-to-month payment options are offered to you each and every thirty day period. These selections incorporate interest only payments, full-amortized payments, and minimal payments. You will find also bi-weekly mortgage loans for paying out far more towards your quality every year by means of a bi-weekly payment schedule.
Challenging Dollars loans can also be readily available when there is a sizable level of equity built up inside a residence. The bank loan approval is based mostly additional about the property or property?s worth as opposed to borrower?s credit background or job/salary history.
Refinance Loans
In the event you strategy to refinance your house, there are numerous choices. A refinance indicates you might be re-evaluating the conditions, payments and curiosity of your mortgage. You may refinance to simply obtain the interest rate or payment lowered. Or, you may choose to preserve slightly cash out for oneself too. This can be known as ?Cash-out? refinancing. Cash-out financial loans are produced after you choose to refinance your home for greater than is owed on it. For example, you owe $60,000, but desire to refinance for $80,000. You?ll pocket the additional $20,000 to utilize for dwelling repairs, remodeling or whatever else!
Reverse financial loans are out there for those over sixty two years of age who personal their property free and very clear or have significantly equity constructed into it. They are able to get a month to month payment, a lump sum or even a line of credit. This will not have to be repaid till the borrower moves or passes away. Then, the estate may be marketed to pay the notice.
Yet another choice for leveraging your house equity will be to create a HELOC (property equity line of credit) which is secured from the equity within your residence. HELOCs could be used to pay debts, make purchases, or something else. Be conscious, even so, that the interest rate can fluctuate monthly.
Now which you are armed with a lot of selections for getting a home financial loan or refinancing your mortgage loan, check out with an online lender to find out what plan will perform most effective for you personally. Use the available tools and calculators to complete some budgeting on your own as well. You?ll be relocating in that new dream residence very quickly!
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Ever blushed in an inappropriate situation, like when the doctor is listening to your heart? It turns out that the same regions of your face that redden during sexual stimulation also heat up, slightly, during innocent social interactions.
Amanda Hahn and colleagues at St Andrew's University in Fife, UK, used a heat-sensitive camera to map small changes of temperature in the faces of young heterosexual women while an experimenter touched them with an instrument they were told was measuring skin colour (it wasn't).
Touching the palm or elbow had no effect, but contact with the cheek or top of the breastbone raised the temperature around the eyes, mouth and nose by 0.2??C to 0.5??C on average, and by a full degree in certain spots. An earlier study found this area heats up in sexually aroused men.
The female subjects reported few or no feelings of arousal or embarrassment, but their facial temperature rose more when the experimenter was a young man.
"What is surprising is the magnitude," says Hahn. She now hopes to determine whether we are aware of these subtle changes in others, and if they affect how we interact.
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OHSU Oregon National Primate Research Center develops new, safer method for making vaccines
OHSU Oregon National Primate Research Center develops new, safer method for making vaccinesPublic release date: 29-May-2012 [ | E-mail | Share ]
Contact: Jim Newman newmanj@ohsu.edu 503-494-4158 Oregon Health & Science University
BEAVERTON, Ore. - While vaccines are perhaps medicine's most important success story, there is always room for improvement. Researchers at Oregon Health & Science University's Oregon National Primate Research Center (ONPRC) appear to have done just that. As explained in a newly published research paper, Mark Slifka, Ph.D., and colleagues have discovered a new method for creating vaccines that is thought to be safer and more effective than current approaches. The research results are published online in the journal Nature Medicine.
"Most vaccines have an outstanding safety record," explained Slifka. "It is important to keep in mind that no medical achievement has saved more lives than the simple act of vaccination. However, for many diseases, we have struggled to develop an effective vaccine. In other cases, vaccines may be protective, but come with rare but serious side effects. For instance, the live oral polio vaccine was very effective at stopping polio outbreaks and transmission, but was also responsible for eight to 10 cases of vaccine-associated polio in the United States each year. This problem was solved in 2000 when the U.S. switched to a formaldehyde-fixed 'dead' form of the vaccine. Our goal is to make vaccines like these safer and potentially even more effective by pioneering an entirely new approach to vaccine development."
Slifka's approach is remarkable because it is the first to demonstrate that hydrogen peroxide can inactivate viruses for use as vaccines. Although hydrogen peroxide has long been known as an effective antiseptic and is often used to sterilize medical equipment, it was believed that it would be too damaging to be useful in vaccine development. It turns out that this previous notion was incorrect. In fact, peroxide may turn out to be one of the best new approaches to future vaccine design.
In the study published this week, Slifka's lab generated not one, but three vaccines.
"We wanted to demonstrate that this is truly a platform technology and not just a one-hit-wonder," explained Slifka. "For this reason, we chose three unrelated model systems and demonstrated protective vaccine-induced immunity in all three cases."
The three diseases targeted by these viruses are West Nile virus, Lymphocytic choriomeningitis virus (a relative of lassa fever virus, known to cause hemorrhagic fever in Africa) and vaccinia virus (widely known for its previous use in the smallpox vaccine.)
An Oregon-based biotech company, Najt Technologies, Inc., is hoping that these advances in vaccine technology will result not only in new vaccines but also new jobs in the Portland area.
"This new approach really gives a boost to an area of vaccine development that's been stagnant for some time," said Ian Amanna, Ph.D., associate vice president for research at Najt Technologies.
"Because of these advances, we've been increasing our workforce and putting together a group of very talented researchers. In partnership with OHSU, we're excited to have the opportunity to further develop this technology into commercial vaccines that can offer protection for at-risk individuals. These vaccines will not only be important to international travelers, but also to the people living in endemic regions. These places are often in developing countries with limited resources for preparing and testing life-saving vaccines and we are looking forward to the day that we can bring these new vaccines to the countries that need them the most."
Najt Technologies, founded by Slifka and colleagues using methods first discovered at OHSU, hopes to continue working together with academic institutions such as OHSU, ONPRC, and Washington University-St. Louis to create new and better vaccines for some of the world's biggest problems including West Nile virus, yellow fever and dengue hemorrhagic fever.
###
Grants from the National Institutes of Health and ONPRC supported the research.
Conflict of Interest Statement
OHSU and Dr. Slifka have a financial interest in Najit Technologies, Inc., a company that may have a commercial interest in the results of this research and technology. This potential individual and institutional conflict of interest has been reviewed and managed by OHSU.
MULTIMEDIA
PHOTO OF DR. SLIFKA
FOR DOWNLOAD: Video interview with Dr. Slifka
FOR EMBED: Video interview with Dr. Slifka
About OHSU
Oregon Health & Science University is the state's only health and research university, and only academic health center. As Portland's largest employer, OHSU's size contributes to its ability to provide many services and community support activities not found anywhere else in the state. OHSU serves patients from every corner of the state and is a conduit for learning for more than 4,300 students and trainees. OHSU is the source of more than 200 community outreach programs that bring health and education services to each county in the state. OHSU is home to ONPRC, one of the eight National Primate Research Centers in the U.S.
About NTI
Najt Technologies, Inc. is a privately-held vaccine development company founded in 2004. The company is headquartered in Beaverton, OR. The Mission of the company is to develop safe and effective vaccines against infectious diseases of global importance. Some of the information presented here may contain projections or other forward-looking statements regarding the future. These statements are only predictions and are subject to risks and uncertainties that could cause results to differ from those expressed or implied statements.
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OHSU Oregon National Primate Research Center develops new, safer method for making vaccinesPublic release date: 29-May-2012 [ | E-mail | Share ]
Contact: Jim Newman newmanj@ohsu.edu 503-494-4158 Oregon Health & Science University
BEAVERTON, Ore. - While vaccines are perhaps medicine's most important success story, there is always room for improvement. Researchers at Oregon Health & Science University's Oregon National Primate Research Center (ONPRC) appear to have done just that. As explained in a newly published research paper, Mark Slifka, Ph.D., and colleagues have discovered a new method for creating vaccines that is thought to be safer and more effective than current approaches. The research results are published online in the journal Nature Medicine.
"Most vaccines have an outstanding safety record," explained Slifka. "It is important to keep in mind that no medical achievement has saved more lives than the simple act of vaccination. However, for many diseases, we have struggled to develop an effective vaccine. In other cases, vaccines may be protective, but come with rare but serious side effects. For instance, the live oral polio vaccine was very effective at stopping polio outbreaks and transmission, but was also responsible for eight to 10 cases of vaccine-associated polio in the United States each year. This problem was solved in 2000 when the U.S. switched to a formaldehyde-fixed 'dead' form of the vaccine. Our goal is to make vaccines like these safer and potentially even more effective by pioneering an entirely new approach to vaccine development."
Slifka's approach is remarkable because it is the first to demonstrate that hydrogen peroxide can inactivate viruses for use as vaccines. Although hydrogen peroxide has long been known as an effective antiseptic and is often used to sterilize medical equipment, it was believed that it would be too damaging to be useful in vaccine development. It turns out that this previous notion was incorrect. In fact, peroxide may turn out to be one of the best new approaches to future vaccine design.
In the study published this week, Slifka's lab generated not one, but three vaccines.
"We wanted to demonstrate that this is truly a platform technology and not just a one-hit-wonder," explained Slifka. "For this reason, we chose three unrelated model systems and demonstrated protective vaccine-induced immunity in all three cases."
The three diseases targeted by these viruses are West Nile virus, Lymphocytic choriomeningitis virus (a relative of lassa fever virus, known to cause hemorrhagic fever in Africa) and vaccinia virus (widely known for its previous use in the smallpox vaccine.)
An Oregon-based biotech company, Najt Technologies, Inc., is hoping that these advances in vaccine technology will result not only in new vaccines but also new jobs in the Portland area.
"This new approach really gives a boost to an area of vaccine development that's been stagnant for some time," said Ian Amanna, Ph.D., associate vice president for research at Najt Technologies.
"Because of these advances, we've been increasing our workforce and putting together a group of very talented researchers. In partnership with OHSU, we're excited to have the opportunity to further develop this technology into commercial vaccines that can offer protection for at-risk individuals. These vaccines will not only be important to international travelers, but also to the people living in endemic regions. These places are often in developing countries with limited resources for preparing and testing life-saving vaccines and we are looking forward to the day that we can bring these new vaccines to the countries that need them the most."
Najt Technologies, founded by Slifka and colleagues using methods first discovered at OHSU, hopes to continue working together with academic institutions such as OHSU, ONPRC, and Washington University-St. Louis to create new and better vaccines for some of the world's biggest problems including West Nile virus, yellow fever and dengue hemorrhagic fever.
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Grants from the National Institutes of Health and ONPRC supported the research.
Conflict of Interest Statement
OHSU and Dr. Slifka have a financial interest in Najit Technologies, Inc., a company that may have a commercial interest in the results of this research and technology. This potential individual and institutional conflict of interest has been reviewed and managed by OHSU.
MULTIMEDIA
PHOTO OF DR. SLIFKA
FOR DOWNLOAD: Video interview with Dr. Slifka
FOR EMBED: Video interview with Dr. Slifka
About OHSU
Oregon Health & Science University is the state's only health and research university, and only academic health center. As Portland's largest employer, OHSU's size contributes to its ability to provide many services and community support activities not found anywhere else in the state. OHSU serves patients from every corner of the state and is a conduit for learning for more than 4,300 students and trainees. OHSU is the source of more than 200 community outreach programs that bring health and education services to each county in the state. OHSU is home to ONPRC, one of the eight National Primate Research Centers in the U.S.
About NTI
Najt Technologies, Inc. is a privately-held vaccine development company founded in 2004. The company is headquartered in Beaverton, OR. The Mission of the company is to develop safe and effective vaccines against infectious diseases of global importance. Some of the information presented here may contain projections or other forward-looking statements regarding the future. These statements are only predictions and are subject to risks and uncertainties that could cause results to differ from those expressed or implied statements.
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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.
Itsy-bitsy structure in shape of Olympic rings created
5 hrs.
John Roach
What is lauded as the "smallest possible"?five-ringed structure has been created and imaged by a team of European scientists who are clearly getting excited for the 2012 Summer Olympics in London.
The structure ? a synthetic molecule called olympicene ? measures just 1.2 nanometers in width, which is about 100,000 times thinner than a human hair.?
The Royal Society of Chemistry?s Richard Graham dreamed up the concept while doodling in a planning meeting. "I wondered: could someone actually make it, and produce an image of the actual molecule,"?he said in a news release.
The short answer is yes.
To do so, he partnered with colleagues at the University of Warwick and IBM-Research, Zurich, who synthesized the molecule, then?imaged it?using noncontact atomic force microscopy, a technique pioneered by the computer giant in 2009.
In addition to the scientific challenge of creating and imaging the molecule in time for the Olympics, the team says the compound, which is similar to the wonder-material graphene, may have real-world applications in energy and lighting, such as solar cells and LEDs.
Check out the video below for more information on the feat.
John Roach is a contributing writer for msnbc.com. To learn more about him, check out his website and follow him on Twitter. For more of our Future of Technology series, watch the featured video below.
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Samsung Galaxy S III launches globally; still no word on U.S. versions
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Enjoyed this Post? Subscribe to our RSS Feed, or simply recommend us to friends and colleagues! written by gracepamer Grace Pamer is a thirty something mom of 3 gorgeous kids and a full time romance and relationship writer. She writes romance and dating tip columns for various publications. Connect with her on Google+
Peru uses emergency rules to try to end anti-mining protest
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And while wife Teresa Giudice may not exactly be bribing a jury to send her man to the pokey, sources say she won't be broken up if Joe does end up behind bars. It will be great for her career, after all!
"If Joe goes to jail, there will be sympathy for her," a Real Housewives insider tells Us Weekly. "And she'll get a spinoff about life as a single mom. She'll do a book deal, too: My Life Without Joe or something like that."
Another source puts it even more bluntly: "I've heard it time and time again: The second Joe goes to jail, Teresa's getting her own show."
All close to the show agree that Teresa aims to break free from The Real Housewives of New Jersey and follow the path laid out by Bethenny Frankel, who has buily her own brand and empire.
In the meantime, we'll ask: Would you watch a Teresa Giudice reality show?
Report: Microsoft prepping Office for iPad, Android tablets
A new report indicates that Microsoft's Office suite will be heading to Apple's iPad and Android tablets later this year.
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Boy Genius Report (BGR) reported that it has a "reliable source" who said Microsoft plans to launch Office apps for iOS and Android tablets in November. Office may also be coming to the iPhone and iPod touch, according to BGR, as the app's loading screen apparently said "Office for iOS" not just for iPad.
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The new information corroborates a report from The Daily earlier this year that Office is headed to the iPad. The Daily reported in February that the Office for iPad app was complete and would soon be submitted to Apple for App Store approval.
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The app's interface was said to be similar to that of OneNote, Microsoft's note-taking app, which received iPad support in December. The Daily said it also has allusions to Metro, the design standard that appears in Windows Phone and the forthcoming Windows 8 operating system. According to the report, the Office app lets you edit and create Word, Excel, and PowerPoint files locally and online.
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A Microsoft spokesperson did not immediately respond to a request for comment from PCMag on Thursday. The Redmond, Wash.-based computing giant told the New York Times back in February that The Daily story was "based on inaccurate rumors and speculation."
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Microsoft plans to release the next version of its operating system, Windows 8, later this year, but has not yet finalized a launch date.
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Copyright ? 2010 Ziff Davis Publishing Holdings Inc.
Martin has relaunched the online store and stocked the virtual aisles with a wide variety of super cool (and cute!) wooden toys, fun art kits, and kiddie chic room decor.
House building contractors Knoxville TM Real estate Within the ...
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If You Care About Your Money, You Need These Personal Finance ...
May 27th, 2012
In this day and age many people are looking for ways to manage their personal finances better. Since many people are barely making enough money to survive and trying to save money they are looking for ways to manage it better. This article contains ways you can better manage your finances.Try to take advantage of all types of discounts and free items during the holidays. These bargains can really add up and can serve as a great way to build up extra income for the fixed expenses that you have. Find deals or coupons online or learn about them from your friends and family.Be sure to use valuable coupons. Some coupons aren?t really worthwhile because they may be for brands that are more expensive, even with the coupon, than the brand you normally buy. However, there are other coupons for a percentage or set amount off your entire purchase at a store or for a significant amount off a product your normally purchase that can save you a tidy sum. Be sure to take advantage of those.Do some research online before making a major purchase. Even if you plan to buy the item at a local retailer, check the store?s website for web-only coupons or special offers. If you?re already a customer, don?t forget to check your inbox because some retailers send sales announcements or coupons via e-mail.Look for coupons online, and clip coupons from your local newspaper. You can save more money sometimes buying a name brand and using coupons, than you can when buying from discount stores and purchasing generic products. This is not always the case, but it is worth taking the extra time to check it out.Since money is tight for a good majority of people, they are looking for ways to manage their finances better so they can save for their future or just try to survive for now. After reading the article above you should know ways to better manage your family?s money for a better future.
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Video Highlights From Disrupt NY 2012 ? Day 1 [TCTV]
Did you miss some of our NY Disrupt conference this week? Or want to watch it again? TechCrunch Disrupt and our Hackathon provided more than 30 hours of demos, interviews, panel discussions, and Battlefield competition. Sure, you can spend the holiday weekend watching all of it. But, we've also put together daily video highlights that we will be publishing in a trio of posts today. The player below shows some of the favorite moments from Monday, Day 1 of the conference, including some surprises from VC Fred Wilson, Fab.com and Tumblr. Monday's Battlefield presentations included the first public preview from the Disrupt Cup winner and runner-up.
How to spot the finest pest control | Unique Home improvement and ...
There are always some things in your life that might disturb you so bad. One of them might be the pest problem. If you live in Glendale, and you are having this problem right now, finding the finest pest control Glendale might be the only way to save you from pest in your home. However, since pest is not uncommon problem in your life, you might be able to find too many pest control service in Glendale. If you find something like this, you might be able to spend your time a bit in front of your computer and do a little research.
The research has to be initiated by listing some of the finest pest control services in Glendale. To help you with this, you can use Google. By typing some keywords in Google search box, you will get the lists of pest controls? website that you could use as a reference. After you get the list, you should open some of the top website from the lists. Next, what you have to do is comparing one site to another website. Look for the best information that you can find in one site and within an hour, you will be able to find the best pest control.
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Public release date: 29-May-2012
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