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Thursday, March 7, 2013

Mortgage Applications Increase as Rates Drop in Latest MBA ...

WASHINGTON, D.C. ? March 6, 2013 ? (RealEstateRama) ? Mortgage applications increased 14.8 percent from one week earlier, according to data from the Mortgage Bankers Association?s (MBA) Weekly Mortgage Applications Survey for the week ending March 1, 2013.

The Market Composite Index, a measure of mortgage loan application volume, increased 14.8 percent on a seasonally adjusted basis from one week earlier. On an unadjusted basis, the Index increased 15 percent compared with the previous week. The Refinance Index increased 15 percent from the previous week and was at its highest level since mid-January. The seasonally adjusted Purchase Index also increased 15 percent from one week earlier and was at its highest level since the week ending February 1. The unadjusted Purchase Index increased 18 percent compared with the previous week and was 17 percent higher than the same week one year ago.

The refinance share of mortgage activity was essentially unchanged from the previous week at 77 percent of total applications. The adjustable-rate mortgage (ARM) share of activity was unchanged at 4 percent of total applications.

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($417,500 or less) decreased to 3.70 percent from 3.77 percent, with points decreasing to 0.39 from 0.48 (including the origination fee) for 80 percent loan-to-value ratio (LTV) loans. The contract rate was at its lowest level since the week ending January 25, 2013. The effective rate decreased from last week.

The average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $417,500) decreased to 3.80 percent from 3.93 percent, with points remaining constant at 0.37 (including the origination fee) for 80 percent LTV loans. The effective rate decreased from last week.

The average contract interest rate for 30-year fixed-rate mortgages backed by the FHA decreased to 3.47 percent from 3.54 percent, with points decreasing to 0.33 from 0.41 (including the origination fee) for 80 percent LTV loans. The effective rate decreased from last week.

The average contract interest rate for 15-year fixed-rate mortgages decreased to 2.96 percent from 3.03 percent, the lowest contract rate since the week ending January 25, 2013, with points increasing to 0.36 from 0.34 (including the origination fee) for 80 percent LTV loans. The effective rate decreased from last week.

The average contract interest rate for 5/1 ARMs decreased to 2.55 percent from 2.65 percent, with points increasing to 0.37 from 0.36 (including the origination fee) for 80 percent LTV loans. The effective rate decreased from last week.

If you would like to purchase a subscription of MBA?s Weekly Applications Survey, please visit www.mortgagebankers.org/WeeklyApps, contact or click here.

The survey covers over 75 percent of all U.S. retail residential mortgage applications, and has been conducted weekly since 1990. Respondents include mortgage bankers, commercial banks and thrifts. Base period and value for all indexes is March 16, 1990=100.

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The Mortgage Bankers Association (MBA) is the national association representing the real estate finance industry, an industry that employs more than 280,000 people in virtually every community in the country. Headquartered in Washington, D.C., the association works to ensure the continued strength of the nation?s residential and commercial real estate markets; to expand homeownership and extend access to affordable housing to all Americans. MBA promotes fair and ethical lending practices and fosters professional excellence among real estate finance employees through a wide range of educational programs and a variety of publications. Its membership of over 2,200 companies includes all elements of real estate finance: mortgage companies, mortgage brokers, commercial banks, thrifts, Wall Street conduits, life insurance companies and others in the mortgage lending field. For additional information, visit MBA?s Web site: www.mortgagebankers.org.

Tagged as: Survey

Mortgage Applications Increase in Latest MBA Weekly Survey
WASHINGTON, D.C. - January 23, 2012 - (RealEstateRama) -- Mortgage applications increased 7.0 percent from one week earlier, according to data from the Mortgage Bankers Association?s (MBA) Weekly Mortgage Applications Survey for the week ending January 18, 2013....

Mortgage Applications Increase in Latest MBA Weekly Survey
WASHINGTON, D.C. - May 11, 2012 - (RealEstateRama) -- Mortgage applications increased 1.7 percent from one week earlier, according to data from the Mortgage Bankers Association?s (MBA) Weekly Mortgage Applications Survey for the week ending May 4, 2012....

Mortgage Applications Increase in Latest MBA Weekly Survey
WASHINGTON, D.C. - January 16, 2012 - (RealEstateRama) -- Mortgage applications increased 15.2 percent from one week earlier, according to data from the Mortgage Bankers Association?s (MBA) Weekly Mortgage Applications Survey for the week ending January 11, 2013...

Mortgage Applications Increase in Latest MBA Weekly Survey
WASHINGTON, D.C. - January 11, 2012 - (RealEstateRama) -- Mortgage applications increased 4.5 percent from one week earlier, according to data from the Mortgage Bankers Association?s (MBA) Weekly Mortgage Applications Survey for the week ending January 6, 2012. The results include an adjustment to account for the New Year?s Day holiday....

Wednesday, March 6, 2013

Desktop Support Technician at Blizzard (Irvine, California, United States)

Irvine, California, United States

Blizzard Entertainment's global information systems team is looking for a self-motivated, skilled information technology (IT) desktop support technician to help maintain Blizzard?s client computing environment. The ideal candidate is a proactive, extremely detail oriented individual with strong interpersonal skills and a desire for providing a great customer service experience. Primary duties include day to day support of client computing related issues such as software deployments, hardware troubleshooting and analysis, and system imaging and deployment.? This individual will serve as the first response technical assistance to our user base and will be accountable for tracking issues through to resolution.? Candidates for this position must be experienced with working in an environment with a number of operations systems, software packages and hardware configurations, as well as having excellent troubleshooting / problem solving skills.

Responsibilities

Respond to service desk tickets, telephone calls, emails and personnel requests for technical assistance.
Provide support to end users on a variety of issues ranging from hardware, software, network and account management.
Identify, research, and resolve technical problems relating to PCs, Macs, printers, copiers, client software, and client server.
Document, track, and monitor problems and tickets to ensure timely resolutions.
Relies and adheres to instructions and pre-established policies to perform the functions of the job.

Requirements

Must have outstanding customer service skills
Strong written and verbal communication skills, including the ability to communicate and present complex issues and analyses in an effective manner
Proficient and knowledgeable with installing and maintaining Windows XP, Vista, Windows 7, and Mac OSX
Experience in building and troubleshooting PC hardware
Good organization and time management skills
Excellent team player and experienced working with multiple team members to accomplish complex tasks
Extremely dependable
Positive and "can do" attitude
Willing to work weekends if needed
Able (and willing) to lift a minimum of 70 pounds

Pluses

Associate's degree in a related area
Familiarization with Remedy Service Desk
Familiarization with SCCM and MDT
Basic knowledge of networking technologies (TPC/IP, DNS, DHCP)

Source: http://careerpowerups.com/desktop-support-technician-irvine-california-united-states-53488

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Monday, March 4, 2013

Scientists say baby born with HIV apparently cured

WASHINGTON (AP) ? A baby born with the AIDS virus appears to have been cured, scientists announced Sunday, describing the case of a child from Mississippi who's now 2? and has been off medication for about a year with no signs of infection.

There's no guarantee the child will remain healthy, although sophisticated testing uncovered just traces of the virus' genetic material still lingering. If so, it would mark only the world's second reported cure.

Specialists say Sunday's announcement, at a major AIDS meeting in Atlanta, offers promising clues for efforts to eliminate HIV infection in children, especially in AIDS-plagued African countries where too many babies are born with the virus.

"You could call this about as close to a cure, if not a cure, that we've seen," Dr. Anthony Fauci of the National Institutes of Health, who is familiar with the findings, told The Associated Press.

A doctor gave this baby faster and stronger treatment than is usual, starting a three-drug infusion within 30 hours of birth. That was before tests confirmed the infant was infected and not just at risk from a mother whose HIV wasn't diagnosed until she was in labor.

"I just felt like this baby was at higher-than-normal risk, and deserved our best shot," Dr. Hannah Gay, a pediatric HIV specialist at the University of Mississippi, said in an interview.

That fast action apparently knocked out HIV in the baby's blood before it could form hideouts in the body. Those so-called reservoirs of dormant cells usually rapidly reinfect anyone who stops medication, said Dr. Deborah Persaud of Johns Hopkins Children's Center. She led the investigation that deemed the child "functionally cured," meaning in long-term remission even if all traces of the virus haven't been completely eradicated.

Next, Persaud's team is planning a study to try to prove that, with more aggressive treatment of other high-risk babies. "Maybe we'll be able to block this reservoir seeding," Persaud said.

No one should stop anti-AIDS drugs as a result of this case, Fauci cautioned.

But "it opens up a lot of doors" to research if other children can be helped, he said. "It makes perfect sense what happened."

Better than treatment is to prevent babies from being born with HIV in the first place.

About 300,000 children were born with HIV in 2011, mostly in poor countries where only about 60 percent of infected pregnant women get treatment that can keep them from passing the virus to their babies. In the U.S., such births are very rare because HIV testing and treatment long have been part of prenatal care.

"We can't promise to cure babies who are infected. We can promise to prevent the vast majority of transmissions if the moms are tested during every pregnancy," Gay stressed.

The only other person considered cured of the AIDS virus underwent a very different and risky kind of treatment ? a bone marrow transplant from a special donor, one of the rare people who is naturally resistant to HIV. Timothy Ray Brown of San Francisco has not needed HIV medications in the five years since that transplant.

The Mississippi case shows "there may be different cures for different populations of HIV-infected people," said Dr. Rowena Johnston of amFAR, the Foundation for AIDS Research. That group funded Persaud's team to explore possible cases of pediatric cures.

It also suggests that scientists should look back at other children who've been treated since shortly after birth, including some reports of possible cures in the late 1990s that were dismissed at the time, said Dr. Steven Deeks of the University of California, San Francisco, who also has seen the findings.

"This will likely inspire the field, make people more optimistic that this is possible," he said.

In the Mississippi case, the mother had had no prenatal care when she came to a rural emergency room in advanced labor. A rapid test detected HIV. In such cases, doctors typically give the newborn low-dose medication in hopes of preventing HIV from taking root. But the small hospital didn't have the proper liquid kind, and sent the infant to Gay's medical center. She gave the baby higher treatment-level doses.

The child responded well through age 18 months, when the family temporarily quit returning and stopped treatment, researchers said. When they returned several months later, remarkably, Gay's standard tests detected no virus in the child's blood.

Ten months after treatment stopped, a battery of super-sensitive tests at half a dozen laboratories found no sign of the virus' return. There were only some remnants of genetic material that don't appear able to replicate, Persaud said.

In Mississippi, Gay gives the child a check-up every few months: "I just check for the virus and keep praying that it stays gone."

The mother's HIV is being controlled with medication and she is "quite excited for her child," Gay added.

Source: http://news.yahoo.com/scientists-baby-born-hiv-apparently-cured-213124051.html

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Allan Calhamer, creator of game 'Diplomacy,' dies

CHICAGO (AP) ? As a kid rooting around in the attic of his boyhood home, Allan Calhamer stumbled across an old book of maps and became entranced by faraway places that no longer existed, such as the Ottoman and Austro-Hungarian empires.

That discovery and a brewing fascination with world politics and international affairs were the genesis of "Diplomacy," the board game he would create years later as a history student at Harvard University in the 1950s. After its commercial release in 1959, the game earned a loyal legion of fans in the U.S. and elsewhere that reportedly included President John F. Kennedy, Henry Kissinger and Walter Cronkite, among others.

Calhamer died Monday at a hospital in the western Chicago suburbs where he grew up, his daughter Selenne Calhamer-Boling said. He was 81.

"He was brilliant and iconoclastic and designed this game that's played around the world, and he's adored by nerds throughout the world," his daughter said by phone Saturday. "But at the end of the day he was a great dad. He was at all the T-ball games and all the screechy, horrible orchestra concerts and all the klutzy ballet recitals. I guess that's how I'll remember him."

Calhamer tested early versions of the game out on Harvard classmates before perfecting it. After its commercial release, Avalon Hill bought the rights and helped make it an international hit. The game is still for sale, and was re-released in 1999 with a colorful new map and metal pieces.

Players represent seven European powers at the beginning of the 20th century and vie for dominance by strategically forging and breaking alliances. Unlike "Risk," there are no dice, and a player's success is largely based on his or her negotiating skills.

Inspiration for the game was also supplied by a Harvard professor who taught a class in 19th-century Europe and wrote a book called "Origins of the World War."

Calhamer said in a 2009 interview with Chicago magazine that reading the book recalled for him the atlas in his parents' attic.

"That brought everything together," Calhamer told the magazine. "I thought, 'What a board game that would make.'"

After graduating in 1953, Calhamer followed a fanciful path, living for a time on Walden Pond because he was fan of Henry David Thoreau's famous work and later working as a park ranger at the Statue of Liberty.

In his late 30s, he met his wife, Hilda, in New York. At her insistence they settled in his hometown of La Grange Park, Ill. Calhamer-Boling said her father then shed his "dilettante" ways and picked up a steady job as a postman, which allowed him pursue hobbies and his art. He tried developing other games, as well, but they never caught on, she said.

Since his death, emails have been pouring in to the family from "Diplomacy" fans around the world who wanted to convey how much the game meant to them, Calhamer-Boling said.

The moving messages were not what she expected.

"I always think of it as such an intellectual game because it's so strategic," she said. "But what I'm seeing over and over again in these emails is that the recurring theme is: 'I was a really really nerdy awkward kid who had trouble relating to people, but because 'Diplomacy' required interpersonal skills and required you to get people to do what you wanted them to do that's how I built my social skills.'"

Calhamer is survived by his wife and two daughters.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2013-03-02-Obit-Allan%20Calhamer/id-6f204f06a18c457dac63462133bbaec9

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Kerry presses Egypt president, military on reform

U.S. Secretary of State John Kerry, left, waves while ending a statement to the media, next to Mohammed Kassem, of World Trading Company, during a meeting with business leaders in Cairo, Egypt on Saturday, March 2, 2013. Cairo is the sixth leg of Kerry's first official overseas trip and begins the Middle East portion of his nine-day journey. (AP Photo/Jacquelyn Martin, Pool)

CAIRO (AP) ? U.S. Secretary of State John Kerry met with Egypt's president Sunday, wrapping up a visit to the deeply divided country with an appeal for unity and reform.

A day after warning the country's bickering politicians that they must overcome differences to get Egypt's faltering economy back on track and maintain its leadership role in the volatile Middle East, Kerry was bringing a similar message to President Mohammed Morsi and his defense minister and intelligence chief.

Kerry's meeting with Morsi began just after midday in Cairo, U.S. officials said.

The U.S. is deeply concerned that continued instability in Egypt will have broader consequences in a region already rocked by unrest.

U.S. officials said Kerry planned to raise Egypt's key regional role with Morsi and his top security aides, stress the importance of upholding its peace agreement with Israel, cracking down on weapons smuggling to extremists in the Gaza Strip and policing the increasingly lawless Sinai Peninsula while continuing to play a positive role in Syria's civil war. Yet, with parliamentary elections approaching, his call for harmonizing domestic Egyptian politics is just as important, they said.

Liberal and secular opponents of Morsi's Muslim Brotherhood say they will boycott upcoming elections, and violent clashes between protesters and security forces have created an environment of insecurity, complicating Egyptian efforts to secure vital international aid.

In meetings with Egypt's foreign minister and opposition politicians on Saturday, Kerry said reaching agreement on economic reforms to seal $4.8 billion in International Monetary Fund loans was particularly critical. Closing the IMF deal also will unlock significant U.S. assistance promised by President Barack Obama last year.

But the impact of his message of unity to the opposition was likely blunted as only six of the 11 guests invited by the U.S. Embassy turned up and three of those six said they still intended to boycott the April parliamentary election, according to participants.

Kerry said that the U.S. would not pick sides in Egypt, and he appealed to all sides to come together around human rights, freedom and speech and religious tolerance. Equally essential, he said, is uniting to undertake the reforms necessary to qualify for the IMF package. Those include increasing tax collections and curbing energy subsidies.

However, while expressing sympathy with the passion he heard from the opposition, Kerry suggested U.S. frustration with their tactics even as he maintained that "we're not here to interfere, but to listen."

"The best way to ensure human rights and strong political checks and balances ... is through the broadest possible political and economic participation," Kerry said after meeting Egyptian Foreign Minister Kamel Amr. "We believe that being active, engaging in peaceful participation is essential to building strong communities and healthy democracies."

In an apparent nod to the current stalemate in Washington over the U.S. federal budget, Kerry acknowledged that compromise is difficult yet imperative.

"I say with both humility and with a great deal of respect that getting there requires a genuine give-and-take among Egypt's political leaders and civil society groups just as we are continuing to struggle with that in our own country," he said. 'There must be a willingness on all sides to make meaningful compromises on the issues that matter most to all of the Egyptian people."

The opposition accuses Morsi and the Brotherhood of following in the footsteps of toppled autocrat Hosni Mubarak, failing to carry out reforms and trying to install a more religiously conservative system.

Morsi's administration and the Brotherhood say their foes, who have trailed significantly behind Islamists in all elections since the uprising against Mubarak, are running away from the challenge of the ballot box and are trying to overturn democratic gains.

Egypt's polarization was underscored as Kerry arrived from Turkey on Saturday on the sixth of nine stops in his first official overseas visit as secretary of state. Activists in the Nile Delta city of Mansoura said a 35-year-old protester was killed when an armored police vehicle crushed him to death during anti-Morsi protests Saturday. And, in the restive Suez Canal city of Port Said, a police vehicle ran over five people after marching protesters refused to allow the car through.

Months of such turmoil have scared away tourists and foreign investors, eroding Egypt's foreign reserves by nearly two-thirds of what it was before the uprising. Those reserves, which stand at less than $14 billion, are needed to pay for subsidies that millions of poor Egyptians rely on for survival.

"It is paramount, essential, urgent that the Egyptian economy gets stronger, gets back on its feet and it's very clear that there is a circle of connections in how that can happen," Kerry told business leaders shortly after his arrival. "To attract capital, to bring money back here, to give business the confidence to move forward, there has to be sense of security, there has to be a sense of political and economic viability."

After concluding his meetings in Egypt on Sunday, Kerry will head to Saudi Arabia, the United Arab Emirates and Qatar, where his focus is expected to be the crisis in Syria that dominated his earlier stops in Britain, Germany, France and Turkey, along with concerns about Iran's nuclear program and growing Iranian assertiveness in the Persian Gulf. Kerry is set to return to Washington on Wednesday.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2013-03-03-ML-Kerry/id-4a833843082445b19212c3c8275a1842

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Big cuts spur calls to Congress from irate constituents

WASHINGTON (Reuters) - Congress is getting an earful about the big spending cuts beginning to hit government services from worried and irate constituents, including one senator's own spouse.

Democratic Senator Thomas Carper of Delaware said his wife, "my most important constituent," asked him, "Why can't you guys get your act together? Do you know what people think of you guys?"

"I told her that Washington needs to work more like Delaware," said Carper, a former governor of the state. "In Delaware, Democrats and Republicans work together."

They have not worked together in Washington. And so the across-the-board cuts of the so-called "sequester" - which both Republicans and Democrats have said they oppose - took effect Friday night after President Barack Obama and Republican leaders failed to agree on a way to replace them with targeted spending reductions.

Up until the final few days before Friday, when the reductions began because of a law enacted in 2011, constituents urged, some begged, lawmakers to avert them.

The cuts threaten the U.S. economic recovery, could disrupt federal services from airports to national parks, and may force furloughs of hundreds of thousands of federal workers and employees of federal contractors, the administration says.

"They want to kill us all," Senator Orrin Hatch, a Utah Republican, said of his constituents.

Laura Zayner, a senior officer with the U.S. Department of Homeland Security at Chicago's O'Hare Airport, was among 400 federal workers facing possible furloughs who came to Washington last week to lobby Congress.

"We consider the furlough a slap in the face. We take it personally," Zayner said. "We are not picking sides, Democrats or Republicans. But we want them to do their jobs and stop the cuts."

John Kelshaw, who works with the Internal Revenue Service, came to town from New Jersey. He and a few other federal workers met with Republican Representative John Runyan.

"We told him that a lot of our people live paycheck to paycheck. We said, 'Give us a break,'" Kelshaw said. He said Runyan, of New Jersey, listened but made no commitments.

WHO'S TO BLAME?

Polls so far show most Americans blame Republicans rather than Obama and his Democrats for the standoff. But that could change.

Republicans insist that any deficit-reduction replacement deal include only spending cuts. Democrats want a mix of spending cuts and tax increases.

According to a February 28 Gallup survey, 56 percent of those polled thought the cuts will damage the economy. The feeling crossed party lines, Gallup reported, with 64 percent of Republicans and 51 percent of Democrats agreeing they would inflict economic pain.

Democratic Senator Mark Pryor said his constituents in Arkansas routinely ask him, "'Why can't you guys work it out?'"

Pryor said he tells them, "Nobody has clean hands on this."

Both sides seem to size up any issue on a basis of who gets the political advantage, he said. "If someone suddenly came up with a cure to cancer, the question in Washington would be, 'Is this good or bad for Obama?'"

The president on Friday said of the cuts, "This is not a win for anybody. This is a loss for the American people."

Hatch, of Utah, said he recently told his state legislature that he expected the federal government to impose the sweeping cuts. "A number of them stood up and said maybe that's the only way we are going get any real reduction in spending," he said.

On the other side, Representative Luis Gutierrez, a Chicago Democrat who won an 11th term last year with more than 80 percent of the vote, said his constituents "tell me 'Keep on fighting, Luis, keep on fighting.'"

Representative Scott Rigell, a Virginia Republican whose district includes the shipbuilding yards in Newport News that are likely to be hit hard by cuts in military spending, was dismayed by the untargeted reductions.

Rigell got a letter from a constituent last month that read in part, "My husband, a project manager for the defense industry, went to work this morning to lay off half of his workforce because of sequestration."

In an interview, Rigell said, "When I think they (shipyard workers) could lose their jobs because of the dysfunction in Washington ... this is not acceptable to me."

"I've been at that shipyard. Some of hardest working folks I know. They're coming in at 5:30 a.m. with a lunch bucket and making $35,000 a year and wondering if they'll have a job."

(Additional reporting by Richard Cowan; Editing by Fred Barbash and Vicki Allen)

Source: http://news.yahoo.com/big-cuts-spur-calls-congress-irate-constituents-003647890--business.html

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PFT: Moss' plans unclear? |? Niners not interested

Getty Images

When a quarterback or other offensive player has a big season out of the blue (typically as a rookie), defenses spend the next offseason obsessed with coming up with ways to stop him.? (Or, in the case of the 1999 Packers, devoting the first three rounds of the draft to finding guys who can cover Randy Moss.)

This year, it?s not just a player that will be forcing defensive coaches to burn the midnight oil in order to avoid getting toasted in 2013.? The read option has become the scheme that defenses will be committed to stopping next season.

It?s a simple concept.? The quarterback begins the process of handing the ball to a running back.? The quarterback reads the defensive end?s movement.? If the defensive end reacts as if the ball will be given to the running back, the quarterback takes it back and runs through the spot where the defensive end was.? If the defensive end stays homes or comes at the quarterback, the running back gets the ball.

Peter King of Sports Illustrated recently explained the manner in which defenses will react over the course of an offseason, pointing out that teams will be looking for cornerbacks who can cover without safety help, so that safeties will be able to support the effort to stop the read option.? Likewise, defensive ends will be asked to take a little steam out of their effort to crush the quarterback and to spend more time studying his movements.? Also, linebackers will be expected to balance preparing for the quarterback to let go of the ball that has been stuffed into the tailback?s gut and reacting to the possibility that the quarterback will yank the ball out and throw it to a receiver.

The Colts, whose desire to keep quarterback Andrew Luck healthy means they won?t be running the read option, nevertheless believe they can stop it.? Coach Chuck Pagano told Greg Cosell of NFL Films at the annual Maxwell Club awards dinner that defensive coaches don?t believe the read option will be a problem, once they have a chance to study it.

And here?s where offensive coordinators have an opportunity to think multiple moves ahead in the game of coaching chess.? As defenses reconfigure to stop the read option, other openings necessarily will arise.

As Cosell accurately observes, it?s still too early to know how the read option will develop and evolve, and whether it?s a fad like the CB radio or a new frontier like the Internet.

Source: http://profootballtalk.nbcsports.com/2013/03/02/moss-becomes-man-of-mystery-again/related/

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