Monday, September 24, 2012

Debt to income ratio - prepaying car lease - Zillow Mortgage Advice

Hi there, I'm looking to buy a house and am focused on the back-end DTI ratio. If I were to prepay my car lease, will that still show up in the numerator?of the ratio as a monthly debt? If it wouldn't be removed immediately, is there a certain timeframe I would need to wait?after prepaying it? This is a 2nd home purchase so I'm trying to lower that ratio as much as possible in order to qualify for the amount of house I'd like to buy.
Thanks in advance!

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Source: http://www.zillow.com/advice-thread/Debt-to-income-ratio-prepaying-car-lease/461111/

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Rep: Green Day's Armstrong getting treatment

NEW YORK (AP) ? Green Day's Billie Joe Armstrong is headed to treatment for substance abuse.

Sunday's announcement by the band's rep comes after the 40-year-old frontman had a meltdown onstage at the iHeartRadio Music Festival in Las Vegas on Friday. As Green Day was wrapping up its performance during the all-star, two-day concert, Armstrong profanely complained that the band's time was being cut short.

"One minute left, one minute (expletive) left. You're gonna give me (expletive) one minute? ... I'm not (expletive) Justin Bieber, you (expletives)!" he yelled (although Bieber was not part of the night's festivities).

Armstrong smashed his guitar before leaving the stage.

In a statement to The Associated Press, Green Day apologized "to those they offended at the iHeartRadio Festival" and said its set was not cut short by Clear Channel, the host of the two-day festival.

The Grammy winning band also is canceling some of its promotional appearances. It is due to release the album "Uno" on Tuesday, the follow-up to "21st Century Breakdown," released three years ago. "Uno" is the first in a trilogy of albums; the second is to be out in November, and the last in January. The band is due to kick off a nationwide tour Nov. 26 in Seattle.

Armstrong was hospitalized in early September in Bologna, Italy, for an undisclosed ailment, but recovered well enough to perform at the MTV Video Music Awards on Sept. 6. Since then, the band has made a series of performances, including a "Good Morning America" performance and a New York City concert for the launch of Nokia Music on Sept. 15. No interviews of the band were allowed that evening, but the band chatted with fans and Nokia and AT&T executives before performing for about two hours.

It's unclear what Armstrong is receiving treatment for; in 2003, he was arrested for DUI, and has acknowledged in the past taking various drugs but has said he now eschews them.

Green Day is one of rock's top acts and had huge success with its 2004 politically charged album "American Idiot," which went on to become a Broadway musical. Armstrong performed for a stretch in the musical.

Most recently, he was a mentor on the NBC talent competition "The Voice."

___

Online:

http://www.greenday.com

___

AP Managing Editor Lou Ferrara contributed to this report.

___

Nekesa Mumbi Moody is the AP's Global Entertainment & Lifestyles editor her. Follow her at http://www.twitter.com/nekesamumbi.

Source: http://news.yahoo.com/rep-green-days-armstrong-getting-treatment-184919287.html

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Scientists predict major shifts in Pacific ecosystems by 2100

ScienceDaily (Sep. 23, 2012) ? What if you woke up every day to find that the closest grocery store had moved several miles farther away from your home? Over time, you would have to travel hundreds of extra miles to find essential food for yourself and your family. This is potentially a scenario faced by thousands of marine animals affected by climate change.

A new study published in Nature Climate Change examines the distribution of various open ocean animals in the North Pacific and explores how that could change over the next century as global ocean temperatures increase and productivity levels shift. The researchers conclude that some critical ocean habitats could undergo significant changes in location, moving more than 600 miles from where they are now, while other habitats could remain relatively unchanged.

Among large animals, loggerhead turtles, some sharks and blue whales may face the harshest impacts of climate change while some seabirds may actually benefit. Not only are species at risk, but also coastal communities and industries could feel the impact since top predator habitat shifts can result in the displacement of fisheries and ecotourism, such as whale watching.

"For species already stressed by overfishing or other human impacts, increased migration time and loss of habitat could be a heavy blow," said Elliott Hazen, a National Oceanic and Atmospheric Administration researcher on the project who is affiliated with the Center for Ocean Solutions at Stanford. "But if we can build some plausible scenarios of how marine ecosystems may change, this may help efforts to prioritize and proactively manage them."

In order to carry out their study, the authors employed complex mathematical models with data from the decade-long "Tagging of Pacific Predators" (TOPP) project, in which 4,300 electronic tags placed on 23 species from 2000 to 2009 created unprecedented insight into migration patterns and hotspots of predator species in the northern Pacific.

Satellite measurements of sea surface temperature and chlorophyll-a (used to estimate surface productivity) were combined with the tracking data to identify "key habitat areas" for a variety of different ocean predators. The researchers then used climate models of ocean temperature and productivity to ascertain how those key habitat areas might change in the face of ocean warming.

One of these key habitat areas, known as the North Pacific Transition Zone, marks the interface between cold, nutrient-rich polar water to the north and warmer, nutrient-poor water to the south. This region is used by a variety of ocean predators, including marine mammals, tunas and seabirds, as a corridor across the Pacific Ocean basin. The study suggests that this critical region could shift by as much as 600 miles, resulting in a 20 percent loss of species diversity in the region.

Other critical habitat areas, however, may experience little or no impact. The California Current, which runs along the west coast of North America, supports a variety of open ocean predators each year, when cold, nutrient-rich water creates regions of high productivity. This so-called upwelling cycle would likely continue despite ocean warming. "The fact that tagging indicates this is the number one lunch stop in town along the most populous coast in the nation -- and stabilizes in a warming world -- increases our opportunity to consider how to protect these hot spots," said Barbara Block, the Charles and Elizabeth Prothro Professor in Marine Sciences at Stanford, who is heavily involved in TOPP.

Among the Pacific's top predators, turtles, sharks and marine mammals such as whales appear to be most at risk from habitat shifts associated with Pacific warming. In some cases, predicted losses in essential habitat ranged as high as 35 percent.

But animals such as seabirds and tunas may benefit from climate-change-related shifts that could actually increase their potential habitat for foraging due to their broader tolerances to temperature.

"The differences from one species to another is their ability to adapt to temperatures and to use multiple ocean areas," said Hazen. "Having multiple sources of food, migration corridors and areas to call home provides a buffer against climate variability and change."

"Modeling of future scenarios is used in national security, financial investing and other critical areas," said Larry Crowder, the science director of the Center for Ocean Solutions, who was involved in the study.

"Here we use it to envision climate change impacts on large predators in the Pacific so that steps can be taken to better manage species that are important both commercially and for conservation goals," he said.

Based on these predictions, marine and coastal managers may alter fishing catches or revamp marine protected areas.

The research was a collaboration including Salvador Jorgensen of Stanford's Hopkins Marine Station, Ryan Rykaczewski of the NOAA Geophysical Fluid Dynamics Laboratory and Steven Bograd of NOAA Southwest Fisheries Science Center.

The Center for Ocean Solutions is a collaboration among Stanford University's Woods Institute for the Environment and Hopkins Marine Station, the Monterey Bay Aquarium and the Monterey Bay Aquarium Research Institute.

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Story Source:

The above story is reprinted from materials provided by Stanford University, 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. Elliott L. Hazen, Salvador Jorgensen, Ryan R. Rykaczewski, Steven J. Bograd, David G. Foley, Ian D. Jonsen, Scott A. Shaffer, John P. Dunne, Daniel P. Costa, Larry B. Crowder, Barbara A. Block. Predicted habitat shifts of Pacific top predators in a changing climate. Nature Climate Change, 2012; DOI: 10.1038/nclimate1686

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/~3/b9Syh2P-eUk/120924102700.htm

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Sunday, September 23, 2012

Close call in Rome shooting case ...

Bullet fired from Rome shop goes through wall, patron's coat

www.uticaod.com

Two Rome men were arrested after the bullet from a gun fired inside an auto shop went through the wall and eventually through the jacket of a customer in the parking lot, city police said.

Source: http://www.facebook.com/uticaOD/posts/406209079434356

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Iran detains centrist ex-president's daughter

TEHRAN, Iran (AP) ? Iran's official news agency says authorities have detained the daughter of influential ex-president and political centrist Akbar Hashemi Rafsanjani.

The Sunday report by IRNA says Tehran's judiciary department took Faezeh Hashemi into custody late Saturday to serve a six-month sentence on charges of making propaganda against the ruling system.

Earlier this year a court convicted her and banned her from political activity for five years. Her lawyer said the accusations were related to interviews she gave to news websites.

Since the disputed reelection of President Mahmoud Ahmadinejad in 2009, in which Rafsanjani supported Ahmadinejad's reformist challenger, his family has come under pressure from hardliners.

In recent months, there are indications that the 78-year-old former president, who favors a more moderated approach to the West, may be making a political comeback.

Source: http://news.yahoo.com/iran-detains-centrist-ex-presidents-daughter-053021344.html

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Luxuo: Chinese Billionaires Lost a Third of Wealth in Past Year, Study Shows http://t.co/tpwgGdtu

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Source: http://twitter.com/Luxuo/statuses/249920296780435456

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Saturday, September 22, 2012

Shuttle Endeavour heading to L.A. to retire: why some neighbors are ruffled (+video)

In the logistical maneuvering to move space shuttle Endeavour the 12 miles from Los Angeles airport to the California Science Center downtown, 395 street trees will come down. Frustration abounds.

By Gloria Goodale,?Staff writer / September 20, 2012

A large crowd takes photographs of the Space Shuttle Endeavour sitting atop NASA's 747 Shuttle Carrier Aircraft at Ellington Field in Houston on Wednesday, Sept. 19. Endeavour will spend the night in Houston before continuing its journey from the Kennedy Space Center in Florida to the California Science Center in Los Angeles where it will be on permanent display.

Kevin M. Cox/The Galveston County Daily News/AP

Enlarge

Space shuttle Endeavour is being cheered as it soars cross-country into a Tinseltown retirement, but here in Los Angeles the ex-NASA behemoth is getting a cool reception from some of its future neighbors.

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That?s because the job of transporting a 172,000-pound, five-story-high, 78-foot-wide space artifact is, well, a mighty endeavor. And some 395 Los Angeles trees are being forced to give up their place in the sun to make way for its 12-mile trek in October from the Los Angeles airport to its new home at the California Science Center (CSC) in downtown.

Endeavour, which flew 25 space missions before being grounded, is scheduled to land in Los Angeles midday Friday.

Despite months of intensive planning and a $200 million price tag for a five-year plan to house and promote the shuttle at the CSC, officials were still meeting with local residents Monday, the day the shuttle was initially supposed to depart the Kennedy Space Center (but was delayed because of weather). Behind closed doors, talks were conducted over such issues as how many trees may need to be removed from neighborhoods for the shuttle as it passes at 2 miles per hour through city streets.

In a statement following the rancorous meeting, even as residents continued to voice disappointment to local media, CSC president Jeffrey Rudolph said, ?We are pleased that we are on track to move the Endeavour to the Science Center, where it can deliver substantial educational and economic benefits to the South Los Angeles community and the state of California.?

He noted that the center plans to move forward with a newly revised tree replacement program, which, he says, ?will improve the streetscape in the South Los Angeles, Westchester, and Inglewood communities with nearly 1,000 new trees.?

The original plan, which had included a 2-for-1 tree replacement offer, has now been raised to more than 3-for-1. The tree replacement program follows CSC efforts over the years to create a park and landscaping that beautifies the neighborhood and provides recreational space for wide usage, Mr. Rudolph says.

According to the CSC, more than half the trees already had been scheduled for removal to enhance airport security or to make way for a Metro construction project, and another 20 are ?environmentally unfriendly? trees that are damaging sidewalks and streets.

The new trees will be between 10 and 14 feet tall, and they will reach approximately the same size as most of the trees they are replacing in about two to five years. The CSC will also provide free maintenance.

Nonetheless, residents continue to voice their frustrations with the manner in which the shuttle arrival has been handled. How things went shows that when city officials want something, they will find a way, even if the plan has seemingly insurmountable hurdles ? in this case, hundreds of mature trees, says Los Angeles activist and blogger Jasmyne Cannick.

Before the city ?decided to chop down the trees and change the landscape of the city, it should have asked the people who were going to be affected by the changes instead of moving forward and going back and making amends after the damage is done,? she says via e-mail. Too often, she continues, ?this is how business is conducted when it comes to certain communities.?

However, Los Angeles Mayor Antonio Villaraigosa has been ebullient in his support.

?Los Angeles is a world-class city that deserves an out-of-this-world-attraction like the Endeavour,? he said in a statement, adding, ?We welcome the shuttle with open arms.?

From a national perspective, Washington-based media strategist Brendan Kownacki suggests that environmental concerns are secondary to the symbols of goals Americans cherish, such as space exploration. ?This is a great symbol of what we are capable of doing,? he says. If there?s any doubt about the value Americans place on manned spaceflight, he says, look no further than the tributes after the recent passing of astronaut Neil Armstrong. ?We gave him a hero?s send-off,? he says.

While saying he is deeply saddened by the loss of any mature trees, Edward Devinney, professor of astronomy and astrophysics at Villanova University in Pennsylvania, says, "Still, this is an amazing device and says a lot about what we can do.?

The object itself is important, he adds, for the simple fact that ?people will look at it and say, this is really impressive that we were able to put that up there.?

Source: http://rss.csmonitor.com/~r/feeds/science/~3/YJTLx-3KoXk/Shuttle-Endeavour-heading-to-L.A.-to-retire-why-some-neighbors-are-ruffled-video

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