Snoqualmie Real Estate: Move-Up Home Buying Opportunities in ...

This guest piece is by local real estate agent, Tony Gilbert, who originally wrote the article for his real estate website blog, The RealFX Group.? The interesting information highlights statistics currently seen in the Snoqualmie real estate market as it recovers from the housing market recession.? Although, Tony uses Snoqualmie Ridge real estate statistics for his article, the information might be useful for other Valley areas.

Currently own a smaller home at Snoqualmie Ridge and feeling a bit ?squeezed?? Thinking of buying a bigger house? Move-up home buyers have a great opportunity going into 2013 at Snoqualmie Ridge due to the VERY strong demand for homes priced at, or near $400,000, compared to the somewhat weaker demand for homes priced above $500,000.

To demonstrate the move-up opportunity compared to years past, let?s compare the number of sold homes on Snoqualmie Ridge in 2006 and 2012.

Notice the statistics have completely flip-flopped. Affordability and loan qualification standards are among several reasons for this ? but many home buyers are now uncomfortable buying a larger home as in years past, unless they truly need the space. In 2012, it?s clear that the majority of home buyers in Snoqualmie Ridge were looking for homes priced at, or below $500,000, and this will likely continue into 2013. We do expect to see continued improvement in higher price brackets, but the rate of increase will obviously be slower.

By Comparison, Lower Priced Homes Often Sell at a Premium

I had a conversation today with a friend of mine who is a resident of Snoqualmie Ridge. She indicated their family would like to move into a larger home sometime in 2013. They own a smaller home in excellent condition which presently fits into a $375K ? $400K price range. With demand being exceptionally strong in that price range, they are in a prime position to both sell their current home at a potential premium (compared to other price ranges), and ?move-up? by buying a pre-owned home of $500K or greater at a potential ?discount? by comparison, since the pace of the market is clearly slower in the higher price brackets.

More Affordable Home Inventory Needed

Home buyers are looking on Snoqualmie Ridge in impressive numbers ? and they?re especially attracted to more affordable new construction. But, this is partly due to thelack of affordable resale homes for sale on The Ridge in a comparable price range ? roughly between $400,000 ? $475,000. For several months, new home builders have been filling the demand in this price range ? and building activity is picking-up steam as I write this. However, when a pre-owned home comes up for sale under $450,000, if it?s priced according to recent market activity, there should be strong buyer interest.

Margins for Negotiation Will Decrease in 2013-2014

All buyers looking for homes over $500K will find more homes to choose from, and likely a wider margin for negotiation. However, as more move-up buyers return to the market in 2013 and beyond, homes in the upper price ranges will also likely begin to enjoy increasing values. Accordingly, the window of opportunity for buyers to get the elusive ?good deal? is definitely shrinking.

Anthony Gilbert REALTOR? is a Real Estate Agent with Windermere Real Estate, serving the communities of Issaquah, Sammamish, southern Bellevue, Snoqualmie, North Bend & Fall City.?? Have other questions for Tony regarding the local real estate market?? You can contact him HERE.

Source: http://livingsnoqualmie.com/2012/12/29/snoqualmie-real-estate-move-up-home-buying-opportunities-in-2013/?utm_source=rss&utm_medium=rss&utm_campaign=snoqualmie-real-estate-move-up-home-buying-opportunities-in-2013

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Progress reported in quest to create objective method of detecting pain

Dec. 17, 2012 ? A method of analyzing brain structure using advanced computer algorithms accurately predicted 76 percent of the time whether a patient had lower back pain in a new study by researchers from the Stanford University School of Medicine.

The study, published online Dec. 17 in Cerebral Cortex, reported that using these algorithms to read brain scans may be an early step toward providing an objective method for diagnosing chronic pain.

"People have been looking for an objective pain detector -- a 'pain scanner' -- for a long time," said Sean Mackey, MD, PhD, chief of the Division of Pain Medicine and professor of anesthesiology, pain and perioperative medicine, and of neurosciences and neurology. "We're still a long way from that, but this method may someday augment self-reporting as the primary way of determining whether a patient is in chronic pain."

The need for a better way to objectively measure pain instead of relying solely on self-reporting has long been acknowledged. But the highly subjective nature of pain has made this an elusive goal. Advances in neuroimaging techniques have initiated a debate over whether this may be possible. Such a tool would be particularly useful in treating very young or very old patients or others who have difficulty communicating, Mackey said.

In a study published last year in PLoS ONE, Mackey and colleagues used computer algorithms to analyze magnetic resonance imaging scans of the brain to accurately measure thermal pain in research subjects 81 percent of the time. But the question remained whether this could be a successful method for measuring chronic pain.

The goal of the new study was to accurately identify patients with lower back pain vs. healthy individuals on the basis of structural changes to the brain, and also to investigate possible pathological differences across the brain.

Researchers conducted MRI scans of 47 subjects who had lower back pain and 47 healthy subjects. Both groups were screened for medication use and mood disorders. The average age was 37.

The idea was to "train" a linear support vector machine -- a computer algorithm invented in 1995 -- on one set of individuals, and then use that computer model to accurately read the brain scans and classify pain in a completely new set of individuals.

The method successfully predicted the patients with lower back pain 76 percent of the time.

"Lower back pain is the most common chronic condition we deal with," Mackey said. "In many cases, we don't understand the cause. What we have learned is that the problem may not be in the back, but in the amplification coming from the back to the brain and nervous system. In this study, we did identify brain regions we think are playing a role in this phenomena."

An estimated 100 million Americans suffer from chronic pain, and chronic low back pain, in particular, is the most common cause for activity limitation in those younger than 45, according to the study. The prevalence of lower back pain among the U.S. population has also risen significantly, from 3.9 percent in 1992 to 10.2 percent in 2006.

"Previous studies have shown that there are functional changes in the brain of a chronic pain patient, and we show that structural changes may be used to differentiate between those with chronic lower back pain and those without," said former research assistant Hoameng Ung, the first author of the study who is now an MD/PhD student at the University of Pennsylvania School of Medicine. "This observation also suggests a role of the central nervous system in chronic pain, and that some types of chronic low back pain may reflect pathology not within the back, but instead within the brain."

Study results suggested that lower back pain is characterized by a pattern of structural changes in the gray matter, the nervous tissue of the brain, showing indication of disease.

"Our investigation ... suggests that the pathology of lower back pain involves changes in gray matter that are present throughout a distributed system of pain processing and pain-associated areas within the brain," the study stated.

This work was supported by a grant from the National Institutes of Health (DA026092, DA029262, DA023609), an International Association for the Study of Pain collaborative research grant and the Redlich Pain Research Endowment.

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Story Source:

The above story is reprinted from materials provided by Stanford University Medical Center. The original article was written by Tracie White.

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

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Journal Reference:

1. H. Ung, J. E. Brown, K. A. Johnson, J. Younger, J. Hush, S. Mackey. Multivariate Classification of Structural MRI Data Detects Chronic Low Back Pain. Cerebral Cortex, 2012; DOI: 10.1093/cercor/bhs378

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

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_health/~3/WL8j4BbO42g/121217234959.htm

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Instagram lays framework for monetization, sharing info with Facebook in ToS update

Facebook and Instagram will be able to get a bit cozier under that new shared roof beginning early next year. On January 16th, the photo sharing site's new Terms of Service will go into effect, enabling the network to share information, content and usage stats with "businesses that are legally part of the same group of companies that Instagram is part of, or that become part of the same group." In a blog post, Instagram reps outlined the benefits of the revision, explaining that the site will be able to "fight spam more effectively, detect system and reliability problems more quickly, and build better features for everyone by understanding how Instagram is used."

Additionally, in the full ToS, the second item under Rights states "you agree that a business or other entity may pay us to display your username, likeness, photos (along with any associated metadata), and/or actions you take, in connection with paid or sponsored content or promotions, without any compensation to you." In short, Instagram has the right to share content that's already public with advertisers in order to generate revenue. If you're an Instagram user and you care about your rights while using the service, you'll be best served by making your way over to our source links below.

Filed under: Internet

Comments

Via: TechCrunch

Source: Instagram Terms of Use, Instagram Blog, Instagram Legal

Source: http://www.engadget.com/2012/12/17/instagram-tos-update/

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An Training Andrew Luck Jersey In Personal Finance For Common ...

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New Orleans tries reform of pretrial detention and bail

After instituting new services last spring to help judges know more about the risk with each defendant, the number of inmates awaiting trial dropped by an average of 165 a day ? an annual rate of savings to the city of $1.4 million. But, the program is now in danger of budget cuts.

By Katy Reckdahl,?Contributor / December 16, 2012

Bail bonds services are crowded around the streets near the Orleans Parish Criminal District Courthouse. A new pretrial services program there helps judges asses risk in releasing jail inmates because many languish behind bars now because they can't afford quick release through the process of commercial bonds.

Ann Hermes/The Christian Science Monitor

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Before hurricane Katrina, the sprawling Orleans Parish Prison complex had 7,524 beds ? on average 6,500 of them occupied each day ? making it the ninth-largest jail in the nation, and far out of proportion to the city's size. But the jail's 12 buildings were heavily damaged by the storm and floodwaters, so it became a prime target of those who believed the entire justice system could be reinvented along with the jail.

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In 2010, a task force appointed by Mayor Mitch Landrieu decided that jail size could drive reform and recommended the approval of a smaller facility, with 1,438 beds.

"A smaller jail forces people to innovate," Derwyn Bunton, task force member and then-chief public defender said when the city council approved the jail early last year, concurring with the task force's recommendations that the jail buildings be closed and the new proposed 1,438-bed jail be a stand-alone facility.

The philosophy behind the reforms is to arrest fewer people and to keep fewer prisoners after they are arrested. One problem feeding jail overcrowding is the fact that most jail inmates are there for petty offenses and, though not high safety risks, remain there because they are so impoverished that they cannot afford even the small sums of bail that have been set for them. This clash of due process and public safety is the crux of pretrial reforms being advocated at jails across the country.

But by the time the city broke ground for the jail last year, the city still held roughly 2,400 inmates ? nearly double the new jail capacity when it opens in 2014.

One reform instituted to reduce the jail population included new city cite-and-release ordinances, and orders to limit arrests for traffic warrants and citations rather than arrests on many petty crimes.

But New Orleans also embarked on pretrial release reform aimed at reducing the expensive and unfair detention of inmates who can't afford bail, as other cities have done for jail overcrowding. The new pretrial services program has a staff to help judges make more realistic and speedy bail decisions by gathering information about defendants. They then make assessments of defendants' risk of flight and danger as soon after arrest as possible and before defendants first see a judge. The program also provides supervision of those released on bail ? keeping track of them to ensure they return for their court date. With a grant from the US Department of Justice, the New Orleans pilot program was started last April and run by the Vera Institute of Justice, a nonprofit policy organization.

Within months, the number of inmates awaiting trial dropped by an average of 165 inmates a day ? an annual rate of savings to the city of $1.4 million.

New Orleans Pretrial Services enjoyed initial broad support ? even from the local bail-bond industry, which profits from bail.

Longtime local bondsman Blair Boutte, of Blair's Bail Bonds, recalls consulting with colleagues about the program and the needs of his native city, where poverty is twice the national average. "We came to the conclusion that there may be a need for a pretrial service program that helps low-level of-fenders who may be indigent or [who] because of mental illness or substance-abuse issues cannot get out of jail."

But Mr. Boutte and his colleagues turned against the program during city budget sessions this fall, when the city was asked to begin shouldering $600,000 of the cost of the program, and after Vera administrators announced the program would soon start releasing moderate-risk defendants under supervision.

At a city council hearing last month, bondsmen and supporters packed the chambers. Pretrial service agencies are "a drain," said bondsman Matthew Dennis. "Bail costs you zero."

Supporters argued that the program had already paid for itself. The program saves the city money now, argued Pastor Antoine Barriere of the faith-based Micah Project. But he said at the hearing that the program, which helps free low-income defendants from the system, is also "a moral issue."

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/_5bT74zrKXo/New-Orleans-tries-reform-of-pretrial-detention-and-bail

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AP PHOTOS: Scenes from the Connecticut shooting

Most died at the very start of their young lives, tiny victims taken in a way not fit for anyone regardless of age. Others found their life's work in sheltering little ones, teaching them, caring for them, treating them as their own. After the gunfire ended at Sandy Hook Elementary School, the trail of loss was more than many could bear: 20 students and six adults at the school, the gunman's mother at home, and the gunman himself.

Here are some images from the town that was the scene of the second-deadliest school shooting in U.S. history.

Source: http://news.yahoo.com/ap-photos-scenes-connecticut-shooting-171140117.html

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