Saturday, December 29, 2012

How to best buy foreclosures in Chicago ? Real Estate | Raw ...

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With the government passing measures to curb the ongoing foreclosure crisis, some relief is expected amidst the foreclosures in Chicago. However, a large number of homes in Chicago have already been foreclosed upon; many others are in pre foreclosure and there are more home owners out there who still risk facing foreclosure.While this situation, from the point of view of a home owner, might not look good, this is being looked upon as a good time to buy residential property. Since foreclosure homes are known to sell at discounted prices, they become the more viable option. You can use various resources to look for foreclosure homes. The internet is a good source to look for homes in foreclosure across the country, and foreclosure homes in Chicago feature in almost all foreclosure listing websites. Financial institutions which deal in home loans are prone to have lists of homes foreclosed upon by them. Legal sections within local newspapers also carry foreclosure listings. B esides, you can always get in touch with real estate agents who have first hand information about local foreclosures. You can buy a foreclosure home during various stages. Once a home enters pre foreclosure, you cab buy it from the existing home owner. Since home owners in pre foreclosure have stipulated time periods to sell the homes in, they are known to accept offers that are considerably lesser than the homes? market value. As far as an offer can take care of the debt owed to the lender, there is a possibility of it being accepted.Homes which do not sell in pre foreclosure are put up for sale at public foreclosure auctions. If you are new to the process, make sure you do sufficient research before you decide to bid at an auction. A good idea would be to sit through an auction before participating in one. Auctions, too, are known to offer some very good deals.Deeds of homes that pa ss the auction stage are transferred to the lenders who hold the mortgage on the respective houses. Lenders are often in a hurry to offload foreclosure homes and this can result in some very good discounts. Banks are also known to pay the real estate agent?s fee (if you are using one) and the closing costs involved in the sale of the house, to lure customers. These homes are considered to be a safe bet because any past arrears on the property are also generally taken care of by the lender upon foreclosure.All these stages of foreclosure are known to offer some great deals. You do not have to limit yourself to buying any one kind of foreclosure home. It is best to explore all possibilities before you make that decisive call.

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Source: http://rawbusinesslaw.com/2012/12/29/how-to-best-buy-foreclosures-in-chicago-real-estate/

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Friday, December 28, 2012

New Delhi Journal: Indian City Overwhelmed by Air Pollution ? New Delhi Journal

[unable to retrieve full-text content]New Delhi has introduced policies aimed at improving air quality, but the efforts have not been able to keep up with population growth.

Source: http://www.nytimes.com/2012/12/27/world/asia/indian-city-overwhelmed-by-air-pollution-new-delhi-journal.html?partner=rss&emc=rss

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In Mexico, 1,000-year-old mummified dog begs for attention

MEXICO CITY ? For nearly 50 years, the mummified remains of a dog believed to have lived 1,000 years ago sat forgotten in a school museum in north-central Mexico.

That meant, among other things, that no one got to admire the ancient dog's irresistible facial expression.

The canine, which has no name, appears in recently released photographs lying on its side as if relaxing. Its expression is serene and somehow friendly.

Archaeologists say the mummified male dog is about 1,000 years old, but other than that, little is known about it, including whether it is a xoloitzcuintle, the indigenous Mexican hairless dog, because of its curious shape.

The specimen was pulled from the Cave of the Candelaria, a 30-foot-deep ancient burial site in the semidesert region known as La Laguna, by government researchers in 1953. Along with the dog, archaeologists found textiles, ceramics, arrowheads and mummified figures such as a 3-year-old child wrapped in a rope.

The National Institute of Anthropology and History says it was eventually stored at the museum of the Escuela de Bachilleres Venustiano Carranza, a state school in the city of Torreon.

It lay there, in effect forgotten, until August, when the institute's archaeologists at the Regional Museum of La Laguna examined the school's holdings, found the dog and determined that it hadn't been properly studied. Authorities said the dog will soon undergo DNA tests and carbon-dating.

Jaime Alejandro Bautista, the institute's subdirector of public records, said the mummified remains would prove telling if they turned out to be those of a xoloitzcuintle ? pronounced "cho-los-kuint-leh." It would push the border of the breed's native region significantly farther north than the Mesoamerican region of central and southern Mexico. It could also suggest that nomadic northern peoples such as Chichimecas had earlier contact than previously thought with urbanizing pre-Hispanic societies such as the Aztecs.

"We know that dogs are associated with funeral rites in pre-Hispanic societies, so it is likely that it was deposited there intentionally," Bautista said. "The dog mummified naturally, due to the conditions of the microclimate in the cave."

Its skin, or what's left of it, is coated in a varnish, a preservation-minded mistake years ago by an unknown custodian, Bautista said.

"We just lost track of it. At the time, an adequate museum did not exist to receive it," he said.

Indeed, the northern region of Mexico is sorely understudied by anthropologists and archaeologists in comparison with the deeply studied Mesoamerican region. There are even fewer U.S. specialists ? "five or six," by one count ? who concentrate on the north and who might be able to independently comment on the rare mummified dog.

The dog could be put on display at the Regional Museum of La Laguna as early as mid-2013.

In the meantime, its friendly expression will remain out of public view.

Hernandez is a special correspondent.

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/QyGM2UZ_qy0/la-fg-mexico-mummified-dog-20121227,0,1939689.story

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U.S. will hit debt limit on Dec. 31, Treasury Department says (Washington Post)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, News Feeds and News via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/273269757?client_source=feed&format=rss

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Fluctuating environment may have driven human evolution

Dec. 24, 2012 ? A series of rapid environmental changes in East Africa roughly 2 million years ago may be responsible for driving human evolution, according to researchers at Penn State and Rutgers University.

"The landscape early humans were inhabiting transitioned rapidly back and forth between a closed woodland and an open grassland about five to six times during a period of 200,000 years," said Clayton Magill, graduate student in geosciences at Penn State. "These changes happened very abruptly, with each transition occurring over hundreds to just a few thousand years."

According to Katherine Freeman, professor of geosciences, Penn State, the current leading hypothesis suggests that evolutionary changes among humans during the period the team investigated were related to a long, steady environmental change or even one big change in climate.

"There is a view this time in Africa was the 'Great Drying,' when the environment slowly dried out over 3 million years," she said. "But our data show that it was not a grand progression towards dry; the environment was highly variable."

According to Magill, many anthropologists believe that variability of experience can trigger cognitive development.

"Early humans went from having trees available to having only grasses available in just 10 to 100 generations, and their diets would have had to change in response," he said. "Changes in food availability, food type, or the way you get food can trigger evolutionary mechanisms to deal with those changes. The result can be increased brain size and cognition, changes in locomotion and even social changes -- how you interact with others in a group. Our data are consistent with these hypotheses. We show that the environment changed dramatically over a short time, and this variability coincides with an important period in our human evolution when the genus Homo was first established and when there was first evidence of tool use."

The researchers -- including Gail Ashley, professor of earth and planetary sciences, Rutgers University -- examined lake sediments from Olduvai Gorge in northern Tanzania. They removed the organic matter that had either washed or was blown into the lake from the surrounding vegetation, microbes and other organisms 2 million years ago from the sediments. In particular, they looked at biomarkers -- fossil molecules from ancient organisms -- from the waxy coating on plant leaves.

"We looked at leaf waxes because they're tough, they survive well in the sediment," said Freeman.

The team used gas chromatography and mass spectrometry to determine the relative abundances of different leaf waxes and the abundance of carbon isotopes for different leaf waxes. The data enabled them to reconstruct the types of vegetation present in the Olduvai Gorge area at very specific time intervals.

The results showed that the environment transitioned rapidly back and forth between a closed woodland and an open grassland.

To find out what caused this rapid transitioning, the researchers used statistical and mathematical models to correlate the changes they saw in the environment with other things that may have been happening at the time, including changes in the Earth's movement and changes in sea-surface temperatures.

"The orbit of the Earth around the sun slowly changes with time," said Freeman. "These changes were tied to the local climate at Olduvai Gorge through changes in the monsoon system in Africa. Slight changes in the amount of sunshine changed the intensity of atmospheric circulation and the supply of water. The rain patterns that drive the plant patterns follow this monsoon circulation. We found a correlation between changes in the environment and planetary movement."

The team also found a correlation between changes in the environment and sea-surface temperature in the tropics.

"We find complementary forcing mechanisms: one is the way Earth orbits, and the other is variation in ocean temperatures surrounding Africa," Freeman said. The researchers recently published their results in the Proceedings of the National Academy of Sciences along with another paper in the same issue that builds on these findings. The second paper shows that rainfall was greater when there were trees around and less when there was a grassland.

"The research points to the importance of water in an arid landscape like Africa," said Magill. "The plants are so intimately tied to the water that if you have water shortages, they usually lead to food insecurity.

"Together, these two papers shine light on human evolution because we now have an adaptive perspective. We understand, at least to a first approximation, what kinds of conditions were prevalent in that area and we show that changes in food and water were linked to major evolutionary changes."

The National Science Foundation funded this research.

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The above story is reprinted from materials provided by Penn State, via EurekAlert!, a service of AAAS.

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


Journal Reference:

  1. C. R. Magill, G. M. Ashley, K. H. Freeman. Feature Article: Water, plants, and early human habitats in eastern Africa. Proceedings of the National Academy of Sciences, 2012; DOI: 10.1073/pnas.1209405109

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_environment/~3/QZT6tyeO2w4/121226080906.htm

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Thursday, December 27, 2012

Eagle Pass Business Journal ? Final call for public nominations for ...

By: Jose G. Landa

?The deadline for the public to nominate a person, business entity, and/or an organization for one or more of the 18 awards categories for the 19th Annual Eagle Pass Business Journal Awards is Monday, December 31, 2012, at 5:00 p.m., ? announced Ricardo E. Calderon, Publisher of the Eagle Pass Business Journal.

The 19th Annual Eagle Pass Business Journal Awards will be held on Saturday, February 9, 2013, at 7:30 p.m. at the El Residencial Reception Hall in Eagle Pass. The Eagle Pass Business Journal Awards purpose is to recognize and honor individuals, businesses, entrepreneurs, non-profit organizations and entities who excelled in their professional endeavors and made a positive contribution to the community during 2012.

The 18 awards categories include the Employee of the Year, the Secretary of the Year, the Restaurant of the Year, the Franchise of the Year, the Small Business of the Year, the Teacher of the Year, the Professional of the Year, the Entrepreneur of the Year, the Physician of the Year, the Health Care Provider of the Year, the Big Business of the Year, the International Business of the Year, the Business Manager of the Year, the Public Manager of the Year, the Public Representative of the Year, the Business Advocate of the Year, the Non-Profit Organization of the Year, and the New Business of the Year. Nominations are also welcomed for the prestigious Lifetime Achievement Award.

A nomination form is available inside this issue of the Eagle Pass Business Journal and at the offices of the Eagle Pass Business Journal at 438 North Monroe Street in downtown Eagle Pass.

?The Eagle Pass Business Journal Awards are the most prestigious community awards in Eagle Pass and in the Texas Middle Rio Grande region,? said Calderon. ?Nominations for any person, business, entrepreneur, organization, and entity from Eagle Pass. Maverick County, Piedras Negras, Coahuila, and any community from the Middle Rio Grande region are encouraged and welcomed,? added Calderon. Many out-of-town persons, business people, businesses, organizations, entities, and public representatives attend the Eagle Pass Business Journal Awards annually as well as have won awards.

The 19th Annual Eagle Pass Business Journal Awards has corporate sponsorships, tables for 10 persons, and tickets available at the offices of the Eagle Pass Business Journal at 438 North Monroe or by calling (830) 757-2705.

December 26th, 2012 | News

Source: http://www.epbusinessjournal.com/2012/12/final-call-for-public-nominations-for-19th-annual-eagle-pass-business-journal-awards/

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My WordPress Website ? auto insurance-Claymont

auto insurance Claymont DE The amount of cars on the road increases every year. This can lead to an increased likelihood of a car accident for you and your family. Automobile insurance can make the difference between a minor setback and a major hassle. So how can you figure out which type of insurance you need and how much to buy? Auto insurance protects you by covering the cost of damage caused to your car or someone else?s car and injury to other people, yourself, or passengers in your car, plus specific other incidents, such as burglary. No matter where you live, you are required to buy some type of auto insurance. Making the decision to drive without owning insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage that you may have caused. Liability: This kind of insurance coverage will pay for the damage that you have caused. These damages can include personal injury, and property damage. If you are in legal trouble, this type of insurance will pay for your legal fees. Local laws typically require minimum amounts of liability insurance, but higher amounts are available and very beneficial. Personal Injury Protection: This is required in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also cover lost wages, replacement of services and funeral expenses. The minimum amount of this insurance is usually set by the state. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault; it will pay despite who may be responsible. All reasonable medical or funeral expenses will be covered under this insurance coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: Protect your car from damages from other sources by purchasing this type of coverage. This may include protection from burglary, vandalism, and fire or flood damage. Uninsured Motorist: If you are in an accident with a driver without insurance or a hit-and-run driver, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: This pays for collision expenses when an insured person is injured in a crash caused by another person who does not have the right amount of insurance to cover the total amount of the damages. Other types of coverage, such as car rental, are also available.

Source: http://cspangeek.com/auto-insurance-claymont/

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