caramelize paten: victorrusso23: Shopping And Product Reviews

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The Ugly Duckling House | DIY Home Improvement Blog: Saturday ...

I suppose that it's only natural for us to enjoy seeing a little sparkle when the weather turns cold. ?Everything turns wet and gray; I can't help but want to dust a little glitter on everything around the house. ?With that idea in mind, here are six picks with the perfect amount of shimmer.

Sarah

Source: http://www.uglyducklinghouse.com/2012/12/saturday-on-six-winter-shimmer.html

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Phila. police tie construction-site arson to union sabotage

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Former Florida Supreme Court Justice Overton dies

TALLAHASSEE ? Former Florida Supreme Court Justice Ben F. Overton, a Green Bay, Wisc., native who was the first justice elected after merit-retention reforms in the 1970s, died Saturday in Gainesville after complications from heart surgery, the court announced. He was 86.

Overton was a Pinellas County judge elevated to the high court in 1974?by then-Gov. Reubin Askew?in the midst of a?series of scandals involving?justices?allowing campaign-contributors to?write draft opinions,?which prompted the governor to create a merit retention process for appointing judges. The new merit retention process process was later?written into the Constitution to allow the governor to appoint them, and then voters to retain them every six years.

?Justice Overton was one of the most influential members of the Court after the sweeping reforms of the 1970s,? Chief Justice Ricky Polston said in a statement.? ?He will be remembered not only for his far-seeing opinions but also for his efforts in the 1970s to make the state courts more accessible by allowing cameras into our courtrooms.?

Overton served as chief justice and was instrumental in getting the Supreme Court?s oral arguments televised. He retired in 1999 and continued to teach law at his alma mater, the University of Florida.

From the court statement:

Born in Green Bay, Wisconsin, Overton attended the University of Florida and later received his degree from its law school in 1952.? He also earned an LL.M in jurisprudence from the University of Virginia in 1984.
?
Overton served nearly 10 years on the Pinellas County circuit court and, for several years, as its chief judge.? He was well known for his work in legal education and dispute resolution and was Chairman of the Dispute Resolution Section of the American Bar Association.? He was also an active adjunct professor of law at the University of Florida?s Levin College of Law.
?
Predeceased by his wife Marilyn, Overton is survived by his children Judge William H. Overton, Robert M. Overton, and Catherine L. Overton; 2 grandchildren William E. and Brian H.; and one great grandchild, Adelynn.
?
Services will be held on Saturday morning, January 5, 2013 in Gainesville and Justice Overton will lie in state at the Florida Supreme Court on Monday, January 7, 2013. He will be interred in St. Petersburg, Florida on Wednesday, January 9, 2013.

Source: http://blogs.orlandosentinel.com/news_politics/2012/12/former-florida-supreme-court-justice-overton-dies.html

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Critics: Myriad blocks cancer answers by impeding data sharing ...

Patents ? Utah company says it has aided, not hindered, research, care.

Tory Galloway thought her negative result on a widely-used test sold by Utah-based Myriad Genetics Inc. cleared her DNA as a cause for her fallopian tube cancer.

She happily advised her four sisters that the disease didn?t result from a family trait. The relief from the December 2010 test, though, was short lived. In October, after getting results from a broader scan at the University of Washington that included dozens of genes, she learned the truth: Her cancer was caused by a mutation that wasn?t included in the Myriad product.

"It makes me nuts to even think about it," said Galloway, a landscape designer in Indianola, Wash.

The broader test, created by University of Washington researchers, uses technology to identify as many cancer risks as possible. There?s one problem: Such a test can?t include the BRCA1 and BRCA2 genes that are the most common inherited causes for breast and ovarian cancer because Myriad owns the patents on them. This prevents other U.S. laboratories from using them in a commercial test.

In the mid-1990s, Myriad helped kick-start the gene-testing revolution by pinpointing the two BRCA genes. Now, the world?s biggest genetic testing company for breast cancer, with a market value of $2.2 billion, is under attack by researchers, genetic counselors, doctors, and their patients.

Besides stifling competitors from offering combination tests, including the BRCA genes, critics also said the company won?t share data from decades of testing that could aid research into how best to interpret screening. They said Myriad doesn?t adequately respond when other researchers find added BRCA mutations that address risks their current tests don?t cover.

"What is at stake is the way we want our health-care system to work," said Robert Cook-Deegan, a professor of public policy, biology, and medicine at Duke University in Durham, North Carolina, who supports limits on gene patents. "The testing has been set up by Myriad to optimize this business model. It is not set up to optimize public health outcomes."

The dispute, which has grown in intensity as more and more cancer-causing mutations are found, has spilled out of the laboratories and clinics into the U.S. Supreme Court. A ruling next year in a case challenging Myriad?s hold on the BRCA patents could either support the company?s profit-driven motives or redefine a nascent industry in a way that affects millions of dollars in revenue.

Myriad officials reject the criticisms, saying they offer faster, more accurate testing for harmful mutations in breast cancer genes than any other laboratory in the world, and that its patents haven?t hindered research or patient care.

"Myriad has never done anything to harm patients," CEO Peter Meldrum said during an interview at his company?s headquarters in Salt Lake City. "We have the most accurate results, we give the fastest results." There has never been a reported case in which Myriad wrongly told that a woman she had a cancer-causing mutation, he said.

story continues below

Carol Mackoff, 70, a Chicago-based managing director for Rice Financial Products Co., says Myriad "saved my life."

Mackoff tested positive on a Myriad test for a BRCA1 mutation in 2002 after visiting an ovarian cancer prevention program at Northwestern Memorial Hospital in Chicago, she said in a telephone interview. Within weeks, she had her ovaries removed to prevent ovarian cancer, and later in 2009 had a prophylactic double mastectomy.

Without the Myriad test, "I would have had cancer," she said. "The fact that they developed these tests and gave me a tool to work with to allow me to prevent getting cancer, I owe them everything."

Faster, cheaper DNA testing is revolutionizing medical care. Nowhere has the impact been felt more strongly than in breast cancer. A woman who tests positive using Myriad?s tests carries as much as an 80 percent chance that she will get breast cancer in her lifetime. Testing helps women take charge of their medical future, providing options that can include preventative surgery and more extensive monitoring.

Widespread use of the tests has made Myriad an unabashed financial success. The company?s testing business, led by its flagship $3,340 BRCA product, carries an 87 percent gross profit margin that in fiscal 2012 generated $496 million in sales, according to Myriad.

That?s helped boost the company?s shares 30 percent this year.

Next Page >

Copyright 2012 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://www.sltrib.com/sltrib/money/55537762-79/myriad-cancer-test-brca.html.csp

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au by KDDI is Japan?s best mobile carrier

By Ken Y-N ( December 30, 2012 at 00:54) ? Filed under Mobile, Polls

This will most likely be the last proper survey for 2012, a look by MMD, Mobile Marketing Data Laboratory, at mobile carrier satisfaction levels, as reported by japan.internet.com.

Demographics

Few demographics were given, just that on the 18th and 19th of December 2012 664 members of the MMD monitor group between the ages of 20 and 59 and who owned a smartphone from either docomo, au or SoftBank completed a private internet-based questionnaire. The results were listed alongside the results of a similar survey from May 2012.

Note that docomo only has seen a significant drop in satisfaction with signal strength and talk area; perhaps one reason is that there has been a number of network outages over the summer, and I still see occassional dropping out of my 3G signal in and around train stations at rush hour.

Research results

Note that the following question was most likely asked as describing how satisified one was, perhaps ?Satisified?, ?Somewhat Satisfied?, ?Can?t say/no answer?, ?Somewhat dissatisfied?, and ?Dissatisfied?. The two percentages for the positive answers were then added together to give the following charts.

Q: For each of the following headings, are you satisfied with your carrier?s offerings?

au by KDDI users

?	Dec 2012	May 2012
Billing plans	45.7%	45.7%
Signal strength	66.1%	64.4%
Talk area	71.7%	73.1%
Handset line-up	50.0%	37.9%
Handset price	30.7%	22.8%
Aftercare	42.9%	37.0%
Exclusive services	35.8%	?
Brand image	62.3%	?
Overall satisfaction	64.6%	55.2%

NTT docomo users

?	Dec 2012	May 2012
Billing plans	27.3%	36.8%
Signal strength	59.0%	67.2%
Talk area	68.8%	76.6%
Handset line-up	40.2%	45.0%
Handset price	17.9%	21.5%
Aftercare	44.9%	49.7%
Exclusive services	21.4%	?
Brand image	62.1%	?
Overall satisfaction	48.4%	52.8%

SoftBank users

?	Dec 2012	May 2012
Billing plans	46.4%	57.2%
Signal strength	32.1%	29.2%
Talk area	37.8%	36.9%
Handset line-up	42.8%	43.7%
Handset price	33.2%	38.5%
Aftercare	24.0%	31.1%
Exclusive services	24.5%	?
Brand image	52.6%	?
Overall satisfaction	46.9%	45.6%

Read more on: au,docomo,mmd,softbank

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Source: http://feedproxy.google.com/~r/WhatJapanThinks/~3/vS2jyPmRGk4/

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REAL ESTATE: Foreclosure review filing deadline is Dec. 31 ... - blog

Posted on | December 29, 2012 | Comments

This is it, the last call.
Borrowers who believe they suffered financial harm because of errors over foreclosure action taken against them in 2009 and 2010 by any one of 27 banks or mortgage servicers have until Monday, Dec. 31, to submit a form to request a free, independent review of what happened.

If the Independent Foreclosure Review shows missteps, compensation or remediation may be awarded to the borrower in the form of a lump-sum payment, suspension or rescission of a foreclosure, a loan modification or loss mitigation help, correction of credit reports and deficiency records.

Payments can range from $500 to $125,000, plus equity, for the most egregious cases.

Since April 2011 when enforcement actions were taken by the Federal Reserve and the Office of the Comptroller of the Currency, the deadline for eligible borrowers to apply for this review was extended from April 30 to Dec. 31 by the Office of the Comptroller of the Currency (OCC) and the Board of Governors of the Federal Reserve System.

The Federal Reserve imposed the extensions to encourage as much participation as possible.

More than 4.4 million people had a foreclosure filing over those two years by one of the 27 firms ? 14 banks and 13 of their subsidiaries ? over the two years. Letters were mailed to alert consumers of potential errors due to such tactics as ?robo-signing.?
Yet, only 5 percent of the potential beneficiaries sought a review before the extension was announced.
Critics claimed the letters were too obscure or too technical for consumers to understand; others accused the federal agencies of flying the Independent Foreclosure Review program under the radar to protect banks.

Even now, the number for filers is slim.
As of Dec. 19, a Federal Reserve spokeswoman said there were 405,262 homeowners or former homeowners across the United States who filed for a review.

As of Sept. 27, only 234,323 requests had been made for a review. Of 769,593 California borrowers who could be affected ? 78,222 in Riverside County and 62,643 in San Bernardino County ? only 42,402 requests had been made.

In the two-county region, only 4,343 requests had been made by Riverside County based borrowers and only 3,661 had been made by San Bernardino County based borrowers as of Sept. 27, according to the OCC.

Rose Mayes, executive director of Riverside Fair Housing Council, said she thinks the low response was due to a lack of awareness on the part of homeowners about the review process and a strong view by homeowners who?d lost their homes to move on.
?A lot of people either didn?t know they might be eligible for those funds, or, went on there way and tried to put that behind them.?
Others say they were afraid their request for a review would preclude them from taking other actions related to their foreclosures.
That?s not so: A servicer is not permitted to require a borrower to sign a waiver of the borrower?s ability to pursue claims against the servicer in order to receive compensation under the Independent Foreclosure Review.

So what?s the take-out from this?
There?s still time to apply for this no-cost review: More information, including how to apply online, is available at http://www.independentforeclosurereview.com

The official Independent Foreclosure Review website has produced a bilingual video detailing the program.

Here are some more particulars on the process, and a link offering answers to frequently asked questions:

Borrowers are eligible for an independent foreclosure review if they meet this criteria:
1. The property securing the loan was the borrower?s primary residence.
2. The mortgage was in the foreclosure process ? initiated, pending or completed ? between Jan. 1, 2009 and Dec. 31, 2010.
3. The mortgage was serviced by any one of the following: America?s Servicing Co., Aurora Loan Services, BAC Home Loans Servicing, Bank of America, Beneficial, Chase, Citibank, CitiFinancial, CitiMortgage, Countrywide, EMC Mortgage Corp., EverBank/EverHome Mortgage, Financial Freedom, GMAC Mortgage, HFC, HSBC, IndyMac Mortgage Services, MetLife Bank, National City Mortgage, PNC Mortgage, Sovereign Bank, SunTrust Mortgage, U.S. Bank, Wachovia Mortgage, Washington Mutual, Wells Fargo Bank, Wilshire Credit Corp.
If you previously filed a complaint with these servicers about foreclosures pending during the review period, you may still seek an independent review of your foreclosure. There are no costs associated with being included in the review; the review is a free program. Beware of anyone who wants payment to assist you in connection with the independent foreclosure review or any other foreclosure assistance program.
Letters were mailed out to potentially eligible borrowers in November and December 2011. If you believe you meet the criteria, but did not get a letter, call 888-952-9105 on Saturday from 8 a.m. to 5 p.m. (ET) and Monday from 8 a.m. to 10 p.m. (ET)

For more information, and the online link to apply for the review, www.IndependentForeclosureReview.com.

?

Written by: Debra Gruszecki on December 29, 2012.on December 28, 2012.

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