Saturday, February 4, 2012

Analysis: How economy is viewed can differ sharply (AP)

WASHINGTON ? The stronger the economy gets, the more the presidential race comes down to what voters believe: Are things actually getting better? Or is it all still a mess?

If the economy's direction is the key, President Barack Obama's hand just keeps getting better.

A new snapshot Friday showed the unemployment rate has tumbled to 8.3 percent. That means it is almost back to where it was right after Obama took office, a time when a monstrous recession was still gobbling up American jobs. Hiring is now on a consistent upswing. Employers added nearly twice as many jobs last year as they did in 2010.

With every fresh batch of economic data, the Republicans challenging Obama and the president himself try to spin the numbers to their advantage, depicting either a nation mired in trouble or one showing undeniable signs of progress. Both often seem to be true.

So whichever side sways people on where to put their focus ? on America's lingering economic hole or on the fact that the country is climbing out of it ? will have an enormous edge toward winning the White House.

Shortly after the jobs report was released, Obama sounded more confident than ever, declaring: "The recovery is speeding up."

The Republicans say that's none of his doing, that improvements have come in spite of his policies, not because of them. There's still a long way to go before full recovery; federal deficits and Europe's troubles hang ominously over the U.S.; unemployment could worsen again.

But there's little doubt that the brightening picture, which is also reflected in other economic indicators, has seriously complicated the messaging for the GOP.

It wasn't long ago that the unemployment rate was closer to 10 percent and stagnant, making it easier for them to claim nothing was getting better under Obama. Now they have to calibrate.

"I believe the economy will come back. It always does," said Mitt Romney, the Republican front-runner, during a campaign stop in Nevada. He blamed Obama's policies for slowing the recovery, hurting families, and making it harder for businesses to bounce back. "And for that," Romney said, "the president deserves the blame that he'll receive in this campaign."

The bigger opening for Republicans has to do with the burden still resting on Obama's shoulders: Millions of people don't feel any better yet, no matter what the statistics show.

About 12.8 million people remain out of work, and an additional 11 million have either given up looking or can find only part-time jobs. Typical wages have failed to keep up with inflation. Nearly 43 percent of those out of work have been unemployed for at least six months.

And many people around the nation are struggling to make monthly payments on homes that are now worth less than their purchase price.

So Republicans are trying to shift the question away from whether the economy is getting better to whether their party would do much better yet. That argument can be heard from the campaign trail to Capitol Hill, where House Speaker John Boehner accurately pointed out that unemployment has topped 8 percent for 36 months in a row under Obama

Obama's campaign, while noting recent improvements, is eager to frame the election around the question of which candidate has a better and more hopeful economic vision for the next four years and beyond.

The contrast there, in policies, is remarkably clear. Obama promises to use government as a lever to ensure fairness. Opponents Romney and Newt Gingrich promise to repeal Obama legislation they say has helped weaken the economy, such as his health care law and tighter rules on Wall Street behavior.

Gingrich, asked on CNN whether Obama deserves any credit for improving employment, said: "If it makes you happy, give him some credit." Even with the new jobs numbers, he said, the most Obama will be able to say is that he is "less destructive" than he was a year ago.

Obama's vulnerability, as the president who owns the economy, is that voters who remain in dire economic straits will be so turned off by their current condition that they won't listen to talk about the future.

That would play into the underlying Republican argument: Obama has had his chance, and if your life isn't better, it's time to kick him out.

In turn, Obama always tempers his remarks about the economy, even with the trends in his favor.

As he put it on Friday: "There's still far too many Americans who need a job, or need a job that pays better than the one they have now."

Nine months before Election Day, the nation is split. Obama's approval rating has improved over the past few months, rebounding from lows reached last summer, though it has not turned positive. The latest Gallup tracking poll finds the public torn on his performance, with 45 percent saying they approve and 48 percent disapproving.

For every number about how things are getting better, another is available for sobering perspective ? and political opportunism.

Obama made a point Friday to say that the economy had added 3.7 million private sector jobs over the past 23 months. Yet overall, the nation has about 5.6 million fewer jobs than it did when the giant recession began in late 2007.

A better direction for the economy is not all that Obama promised.

When he was a new president, Obama told NBC's Matt Lauer that people were going to start seeing progress in a year from his policies.

Then he added: "If I don't have this done in three years, then there's gonna be a one-term proposition."

The three-year mark is here, and voters will soon decide on the one-term part.

The answer may well come down to which economy they're voting on ? the one they see now or their faith in the one ahead.

__

EDITOR'S NOTE ? White House Correspondent Ben Feller has covered the Obama and Bush presidencies for The Associated Press.

Follow him at http://twitter.com/BenFellerDC

Source: http://us.rd.yahoo.com/dailynews/rss/politicsopinion/*http%3A//news.yahoo.com/s/ap/20120204/ap_on_an/us_economy_election_analysis

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Rate on 30-year mortgage falls to record 3.87 pct. (AP)

WASHINGTON ? The average rate on the 30-year fixed mortgage fell this week to a record low, the ninth time that has happened in the last year. Even with the cheapest rates in history, the housing market remains depressed.

Mortgage buyer Freddie Mac said Thursday that the rate on the 30-year loan dropped to 3.87 percent this week. That is below the previous record of 3.88 hit two weeks ago.

The average on the 15-year fixed mortgage fell to 3.14 percent, also a record low. Records for mortgage rates date back to the 1950s.

Mortgage rates tend to track the yield on the 10-year Treasury note, which fell below 1.9 percent this week.

Rates have been low for more than a year, and the average rate on the 30-year loan has hovered near 4 percent for more than three months. Yet few people can afford to buy a home or qualify for a loan. Those who can have already done so.

High unemployment and scant wage gains have made it harder for many people to qualify for loans. Many don't want to sink money into a home that they fear could lose value over the next few years.

Sales of previously occupied homes were dismal last year. New-home sales in 2011 were the worst on records going back half a century.

Builders are hopeful that the low rates could boost sales next year. But so far, they have had a minimal impact.

Mortgage applications have risen slightly over the past four weeks, according to the Mortgage Bankers Association. But they are coming off extremely low levels.

To calculate the average rates, Freddie Mac surveys lenders across the country Monday through Wednesday of each week.

The average rates don't include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount.

The average fee for the 30-year loan rose to 0.8 from 0.7; the average on the 15-year fixed mortgage was unchanged at 0.8.

For the five-year adjustable loan, the average rate fell to 2.80 percent from 2.85 percent. The average on the one-year adjustable loan rose to 2.76 percent from 2.74 percent.

The average fee on the five-year adjustable loan rose was unchanged at 0.7; the average on the one-year adjustable-rate loan was unchanged at 0.6.

Source: http://us.rd.yahoo.com/dailynews/rss/personalfinance/*http%3A//news.yahoo.com/s/ap/20120203/ap_on_bi_ge/us_mortgage_rates

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Infant Meningitis Awareness ? Here and There ? A New Jersey ...

Meningitis Angels

Meningitis is preventable. Eradicating it will prevent deaths, seizures, blindness, amputation, paralysis, and learning disabilities. A vaccination, Infant Meningococcal, exists that is currently not on the pediatricians Vaccine for Children Program schedule.

The US Center for Disease Control and Prevention wants input and has planned public meetings in Seattle, Denver and Chicago this summer. Maybe you can?t be there, but you can still have a say. It is your responsibility to give them your input on if babies two and younger should receive infant menigococcal vaccine already approved by the Food & Drug Administration. Please seriously consider signing The Meningitis Angels petition. Please let the CDC know loudly and clearly just where you stand.

For further information on meningococcal disease and Meningitis Angels, go online to http://www.meningitis-angels.org/.

I participated in a campaign on behalf of Mom Central and Meningitis Angels. This campaign was made possible in part through support provided by Novartis Vaccines. A small donation to a charity of my choice was made in my name from Mom Central as a thank-you for participating. All opinions in this posting are 100% my own.

Source: http://hereandthere.us/index.php/2012/infant-meningitis-awareness/

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Friday, February 3, 2012

Indian Wildlife - A Date With the Majestic Creatures of India ...

"f?r every tiger ??? see ?n India, five see ???!"

th? enchanting ?nd th? rarest wild species ?n India ?r? th? true treasures. ? wildlife tour ?n India takes ??? t? some distinguished forest reserves f?r sighting th? variety ?f wild animals ?nd birds ?n th??r natural habitats. ?t ?? ? fabulous treat t? all th? wildlife lovers. These tour packages, planned keeping ?n mind th? rich legacy ?f wildlife ?nd th? comforts ?f th? travellers, offer wonderful opportunities t? explore th? wilds ?f th? forest.

Major Reserves/National Parks

With over 350 species ?f mammals ?nd 1200 species ?f birds, India h?? something distinct t? offer. These enchanting species h??? been preserved through 80 National Parks ?nd 441 Wildlife Sanctuaries. ? few majors ?f th? India Wildlife sanctuaries ?r?:


  • Bandhavgarh (vindhya hills ?n Madhya Pradesh)

  • Bharatpur Bird Sanctuary (Rajasthan)

  • Jim Corbett (Uttaranchal)

  • Gir (Junagarh, Gujarat)

  • Kanha (Madhya Pradesh)

  • Kaziranga (Arunachal Pradesh)

  • Panna (Madhya Pradesh)

  • Periyar (Periyar, Kerala)

  • Ranthambhore (Rajasthan)

  • Sariska (Rajasthan)

  • Sunderban (West Bengal)
Filed: Wildlife
tags: ind, india wildlife sanctuaries, india national parks, wildlife sanctuaries in india, india wildlife
Older: Is a Career or Technical Program Right for You?
Newer: Full Moon and Crime Spikes - Fact Or Fiction?

Source: http://education-references.appspot.com/indian-wildlife-date-with-majestic-creatures-of-india/

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Pedal to the Metal Philosophy Serves No. 1-Rated Marist Girls ...

1. Marist (26-1): That fine line between fast and too fast? The RedHawks are close to solving it. They?ve been wreaking havoc with their fastbreak attack. JeTaun Rouse (17 points, 6 steals, 3 assists) and Leah Bolton (16 points, 5 rebounds) were on top of their game in a 54-41 victory over Maine South in the Sweet 16 Tournament.

2. Lincoln-Way East (21-3): Better late than never? Caitlin McMahon came alive in the second half of the Griffins? 51-42 victory over Sandburg. She scored 18 of her game-high 20 points in the final two quarters.

3. Homewood-Flossmoor (17-7): Charnelle Reed scored 11 points in the Vikings? 60-35 loss to Bolingbrook. Lauren Parker added 10 points and three steals. The two will look to get H-F back on track vs. Sandburg tonight.

4. Stagg (17-5): If it?s not one McMahon, it?s another. Revi or Casey? Pick your poison. The two McMahon girls continue to get the job done for a Stagg team that has won 11 in a row. Casey McMahon scored 10 points in a 68-31 victory over Thornridge. Carrie Sinclair also chipped in 10 points.

5. Mother McAuley (16-10): Mighty Macs coach Karen Ade is taking a break to prepare for the birth of her twins. Her players?Alyssa Siwek, Elizabeth Nye, Brenna Nolan, Tiffany Fortune?are stepping on the gas. Siwek scored 13 points in a 54-21 victory over Resurrection.

Next best in alphabetical order: Andrew, Lincoln-Way North, Marian Catholic, Oak Forest, Richards.

(Covering the following Patch communities: Chicago Heights, Evergreen Park, Frankfort, Homewood-Flossmoor, Mokena, New Lenox, Oak Forest, Oak Lawn, Orland Park, Palos, Tinley Park and the neighboring private schools that draw students from those communities).

Source: http://evergreenpark.patch.com/articles/pedal-to-the-metal-philosophy-serves-no-1-rated-marist-girls-basketball

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PFT: Irsay wants to wait to last minute with Peyton

Houston Texans v Indianapolis ColtsGetty Images

All of the attention paid to Peyton Manning has made it easy to forget there are other Colts veterans whose futures with the club are up in the air.

One such veteran is Reggie Wayne. The wide receiver is set to become a free agent and all of the upheaval in Indy makes his future with the franchise quite uncertain. Wayne is open to returning to the team, though, and isn?t thrown off by the fact that it could be a rebuilding situation nor by new coach Chuck Pagano, who he knows from the University of Miami.

?This is what I have, this is all I know,? Wayne said to Paul Kuharsky of ESPN.com. ?So I wouldn?t mind being part of a rebuilding process. They need some old heads, too, you know? It would be an honor to still be part of this organization even with a rebuilding phase. I know there are going to be some guys on the team that I still know, I know the head coach, Chuck Pagano, pretty good, I?d just look at it as my rookie year all over again.?

Wayne?s status will probably have something to do with what winds up happening with Manning. If he stays in Indy, the chances of Wayne sticking around would likely increase as the team would likely feel like they are able to contend for a playoff spot. Of course, they might also feel Andrew Luck?s transition to the NFL would be easier if he had Wayne alongside Pierre Garcon at wide receiver so there?s a chance he could stick around either way.

All of that has nothing to do with finances or the desire of other teams to add an experienced hand to their passing game. As you?d expect, Wayne?s numbers dipped without Manning in the lineup, although not to the point where you would question his ability to do the job. At 33, Wayne is nearing the end of the line but he likely has a few productive years left for the Colts or for someone else.

Source: http://profootballtalk.nbcsports.com/2012/02/01/irsay-no-one-knows-whats-going-to-happen-with-manning/related/

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Affordable Student Health Insurance ? How To Get Student Health ...

New Health And Fitness.Org - Health Information You Can Use

Are you one of the many college or university scholars who plan to travel and look at abroad during an upcoming semester? If so, you need to consider buying overseas student health insurance. Overseas student health insurance can be reasonable~cheap and cheap, especially when compared to medical costs you would have to spend of your own pocket if you were to withdraw or injured while understanding in another country.

Students who will study abroad can usually pay for travel insurance from an insurance company which specializes in travel insurance. Overseas student health care insurance can be purchased to last anywhere from one week to one year, dependant upon the insurance company from which it is purchased. You can also purchase long-term overseas student health insurance coverage if you plan to study in another country for more than one year.

When you are looking for affordable overseas student health insurance, expect to provide specific information about your trip, yourself, and anyone else to be insured. Questions can vary among the different insurance companies, nevertheless all of the insurance companies will method to know:

* The country, or places, in which you plan to study.

* A date you plan to depart and the date you plan to return.

* Your age, and the age of any other family member to be covered, such as the period of your spouse and the age(ersus) of your child(ren).

Just as after you purchase any other insurance policy, you need to take certain steps when buying an overseas student health insurance scheme. Always check the ratings belonging to the insurance companies you are considering. Try to obtain ratings for both the financial stability of the insurance company, as well as the managing stability. You can find this information from a state?s department of insurance, or perhaps from independent research firms. Ask your state?s department regarding insurance about any other data they can provide about the business.

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Source: http://newhealthandfitness.org/2012/02/02/affordable-student-health-insurance-how-to-get-student-health-insurance-cheap/

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