Home Loan Refinancing: Have MAS Rulings Confused Some Banks ...

If you?ve just tried to refinance your home loan, you may be feeling confused. Different banks may have given different answers to your refinancing questions. It?s not their fault: The recent MAS rulings have gotten the banks puzzled. In this article, we?ll examine the point of contention: How is the maximum loan tenure calculated when refinancing home loans? Disclaimer: This article is based on the current situation as of October 2012.

?

The new MAS rulings seem to have confused some banks

?

A Review of the MAS Ruling

For those of you who missed it, we examined the new ruling in a previous?article. This is a quick recap:

For Singapore home loans, there is now:

(1) A maximum loan tenure of 35 years.

(2) a 65 year old retirement age limit, and

(3) a penalty for loan packages stretching between 31 to 35 years

All 3 conditions apply to new home purchases while only restriction (1) applies to refinancing cases. Breaking any one of the applicable restrictions will result in a lower loan percentage (if it?s your first home loan, instead of an 80% loan, it will be reduced to 60%; if you have an existing home loan, instead of 60%, it will be reduced to 40%). This is a further breakdown of the restrictions:

?

(1) 35 Year Cap on Home Loans (Applies to Refinancing)

No home loan can exceed 35 years. This is a non-negotiable cap on all loan packages.?This also applies to refinancing.

Example: Say you took up a 40 year loan package from Bank A, and have been servicing it for 7 years. When you refinance into Bank B, the new maximum tenure for your new loan package is not 33 years but rather, 28 years (35 minus 7). Remember that for refinancing, you can cross the 65 year retirement age limit or the 30 year loan tenure limit without incurring any penalty. Banks however will still set a ?max age? that you can service the loan till (typically 70 or 75 years of age).

?

The 35 year limit was imposed to prevent ?over-leveraging?.

?

(2) 65 Year Old Retirement Age Limit (Does NOT Apply to Refinancing)

If the borrower would be older than 65 when the loan ends, the bank can only finance 60% of the home?s cost.

If the borrower would be older than 65?and?has an outstanding home loan, the bank can only finance 40% of the home?s cost.

This only applies to new home loans, and not refinancing cases.

Example: Say you are 60 years old, are currently servicing another home loan, and wish to purchase your second property for investment purposes. The maximum loan tenure any bank will grant you to obtain a 60% loan-to-value is 5 years (65 minus 60). Should you choose to take a longer loan period, the loan-to-value will be reduced to 40%. Again, banks have a maximum age limit of 70 or 75 years which means, the longest you can stretch you loan is 15 years (75 minus 60). In this case, taking a 15 year loan tenure (absolute maximum) will result in an loan-to-value of 40%.

?

(3) 30 Year Limit on Loan Tenure (Does NOT Apply to Refinancing)

If the loan tenure is between 31 to 35 years,?regardless of the borrower?s age, the bank can only finance 60% of the home?s cost.

If the loan tenure is between 31 to 35 years, and there is an outstanding home loan, the bank can only finance 40% of the home?s cost. Again, this is regardless of the borrower?s age.

This only applies to new home loans, and not refinancing cases.

Simple Enough?

So far new home purchases have been pretty straight forward. The same cannot be said for refinancing cases. Check out our real-life case studies below, where things start to get messy and confusing. In the following example, different banks will give you two different interpretations of the rulings for refinancing:

?

Banks have been interpreting the new MAS ruling differently for refinancing cases.

?

Refinancing Interpretation 1

Let?s say I took a home loan 2 years ago, before the ruling came into effect.

I was ?48 years old, and took a home loan with Bank A. MAS?s age restriction didn?t exist back then, and Bank A had an age limit of 75 years.

As such, I could choose a maximum loan tenure of 27 years (75 minus 48).

Fast forward to today, and I have been paying Bank A?s loan for 2 years (hence my remaining loan tenure is 25 years). Now I want to refinance into Bank B to enjoy better interest rates, which has a 70 year age limit.

Question: If I refinance into Bank B, what is the maximum loan tenure I can get?

?

All home loans now have a maximum tenure of 35 years. This also affects refinancing.

?

Answer: In most cases, Bank B would calculate it as 70 (maximum age limit) minus 50 (my current age), to get a maximum loan tenure of 20 years.

The new rulings don?t have any relevance to my refinancing.

Yes, I may have crossed the age limit. But the age limit only applies to new loans, not refinancing cases. And even including the 2 years I spent with Bank A, the total loan tenure would be 22 years (20 plus 2), which is well within the 35 year cap.

For the majority of banks, this is the method used. At MoneySmart, we also think this makes sense. However, a minority of banks will give you another answer:

?

Refinancing Interpretation 2

As before, say I take a home loan from Bank A (at age 48), and service it for 2 years. Then I try to refinance into Bank B, expecting to get a maximum loan tenure of 20 years.

But if Bank B is?amongst?a minority of banks, they may prevent me from taking a 20 year loan. They would argue that my maximum loan tenure should be 18 years. The interpretation is as follows:

70 years (age limit) minus 50 years (my current age) = 20 years. However, I have previously serviced a loan with Bank A for 2 years. These 2 years have to be deducted from my new loan package, giving me a maximum loan tenure of 18 years.

?

We?ll have to wait for the banks to put the pieces together!

?

These banks interpret the new MAS rulings as ?what loan tenure you qualify for less the years already spent servicing it?. But as you can see from our summary of the rulings, this doesn?t make sense.?Maximum tenure of 20 years would be well within the new ruling?s 35 year limit, and age is not a factor at all. The client in this case is also not extending his loan tenure (in fact the loan tenure is already being cut from 25 years (original remaining loan tenure) to 20 years (should the loan be refinanced). Should the government be afraid of such a property-owner profile and deem such cases as ?over-leveraging?? Obviously not.

We have made repeated calls to every bank, and it?s a minority that interpret the new rulings this way. When pressed, these banks will only state they are ?awaiting clarification? from MAS. Based on that response, we believe that some banks are confused about restriction (3) ? the 35 year limit.

?

But I Need to Refinance!

In summary, if you?re trying to refinance your home loan, don?t be surprised if you come across different banks giving you different maximum loan tenures. You can either choose to wait till the banks receive clarification and sort it out, or visit loan comparison sites like SmartLoans.sg, where a mortgage specialist can sort this out for you and determine your best refinancing options.

Image Credits:
Marco Belluci,?John-Morgan,?nerdcoregirl, danielmoyle, Horia Varlan

Is the confusion causing you problems? Still confused yourself? Comment and we?ll update you!?

Tags: featured, Home Loans, Housing & Property

Source: http://www.moneysmart.sg/home-loans/home-loan-refinancing-have-mas-rulings-confused-some-bank/

Opening ceremony London 2012 Google Fiber Olympics Schedule 2012 Olympic Medal Count 2012 Olympics 2012 Olympic Schedule 2012 NBC Olympics

Netanyahu to push tougher Iran sanctions in France

{ttle}

{cptn}","template_name":"ss_thmb_play_ttle","i18n":{"end_of_gallery_header":"End of Gallery","end_of_gallery_next":"View Again"},"metadata":{"pagination":"{firstVisible} - {lastVisible} of {numItems}","ult":{"spaceid":"84962389","sec":""}}},{"id": "hcm-carousel-2104294006", "dataManager": C.dmgr, "mediator": C.mdtr, "group_name":"hcm-carousel-2104294006", "track_item_selected":1,"tracking":{ "spaceid" : "84962389", "events" : { "click" : { "any" : { "yui-carousel-prev" : { "node" : "a", "data" : {"sec":"HCMOL on article right rail","slk":"prev","itc":"1" }, "bubbles" : true, "test": function(params){ var carousel = params.obj.getCarousel(); var pages = carousel._pages; // if same page, don't beacon if(("_ult_current_page" in carousel) && carousel._ult_current_page==pages.cur) return false; // keep track of current position within this closure carousel._ult_current_page = pages.cur; return true; } }, "yui-carousel-next" : { "node" : "a", "data" : {"sec":"HCMOL on article right rail","slk":"next","itc":"1" }, "bubbles" : true, "test": function(params){ var carousel = params.obj.getCarousel(); var pages = carousel._pages; // no more pages, don't beacon again // if same page, don't beacon if(("_ult_current_page" in carousel) && carousel._ult_current_page==pages.cur) return false; // keep track of current position within this closure carousel._ult_current_page = pages.cur; return true; } } } } } } })); }); Y.later(10, this, function() {(function() { try{ if (Math.floor(Math.random()*10) == 1) { var loc = window.location, decoded = decodeURI(loc.pathname), encoded = encodeURI(decoded), uri = loc.protocol + "//" + loc.host + encoded + ((loc.search.length > 0) ? loc.search + '&' : '?') + "_cacheable=1", xmlhttp; if (window.XMLHttpRequest) xmlhttp = new XMLHttpRequest(); else xmlhttp = new ActiveXObject("Microsoft.XMLHTTP"); xmlhttp.open("GET",uri,true); xmlhttp.send(); } }catch(e){} })(); }); Y.later(10, this, function() {Y.namespace("Media").ywaSettings = '"projectId": "10001256862979", "documentName": "", "documentGroup": "", "ywaColo" : "vscale3", "spaceId" : "84962389" ,"customFields" : { "12" : "classic", "13" : "story" }'; Y.Media.YWA.init(Y.namespace("Media").ywaSettings); }); Y.later(10, this, function() {if(document.onclick===YAHOO.Media.PreventDefaultHandler.newClick){document.onclick=YAHOO.Media.PreventDefaultHandler.oldClick;} }); }); });

Reader Appreciation Party this Thursday to Benefit ArtLoveMagic | I ...

After four years of publishing, nearly 600,000 visitors in the last twelve months, 1000s of Facebook shares and Twitter tweets, more than 450 articles by over 30 contributors, and winning some cool local awards, it's time to say "Thank you" in a big way.

You are cordially invited to ILiveinDallas.com?s 1st Ever Dallas Culture Buffs, Critics & Fanatics Bash, Thursday, Nov.1st, at Park Tavern, benefiting non-profit ArtLoveMagic and their 2013 Interactive Kids Art Workshop.

This is a unique event celebrating Dallas arts, entertainment, and more. Come celebrate the arts and all things Dallas with us at the new and contemporary, yet casual, Park Tavern gastropub from 6:30- 9pm.?TangoTab will help host the event.

LIVE Dallas Fine Artists

On top of great networking with taste-makers, trendsetters, and independent Dallas Media Moguls, this event will have four LIVE Dallas fine artists that will be creating original art in real time on location throughout the evening. All four artists were provided curiosity of the coordination by Deep Ellum-based non-profit ArtLoveMagic. The artists include: Jerod Davies, Carolyn Collins, Riley RP Holloway and Alexdria Quinn. Their works will be auctioned off the night of the event along with other donated items from local businesses. Proceeds will benefit the ArtLoveMagic kids workshop.

RSVP on Facebook and RSVP on Eventbrite. Inquire here about sponsorship and/or silent auction item donations.

Featured Artist: Jerod Alexander Davies's Bio

Jerod Davies is a mulch-faceted self-taught artist raised in Dallas, Texas, by way of Grand Rapids, Michigan. Coming from a long line of visual artists in his immediate family, he is heavily influenced by his encounters in the streets and his vivid imagination. His style is impossible to categorize, yet easy to describe: bold, direct, and an intimate grasp of the lost and forgotten. He has produced work for Dreamworks Jean Paul Gaultier, The Dallas Museum of Art, Children's Medical Center, American Airlines, the City of Dallas, and other notable clients.

I Live in Dallas coincidentally interviewed Jerod back in August on our second I Live In Dallas Radio show, Culinary Anarchy & Live Mural Painting at Bryan Street Tavern. Jerod is the leader of the Just-Us League, which is an art collective that has created over a dozen murals in Dallas. Find out more about Jerod on his website:?ThreeOfOne.co (yes, that's .co).

Featured Artist: Carolyn Collins

Carolyn Collins is best known for her intimate style and her contagious smile. Her voyeuristic glimpses, timeless documentaries, and pure abstracts stir the imagination, touch the soul, and instill a zest for life. "I'm horrible with names and facts, but I can recall the slightest smells, sounds, and sensory nuances of almostevery person, place and moment that I have experienced." Perhaps it is this abstract thought process that directs her focus to slightly different views of the world. "Music is my drug. Photography is my passion. Building bridges between people is my mission."

A 'closet photographer' since 2001, Carolyn finally made the leap in 2010 from a career in marketing & management to that of a full time freelance photographer. However, she began applying her passion to her mission in 2005. Through her blogs, she gained an audience for this interactive sharing of perspectives. Now known as the Photo-Ink Challenge?, this photographic interactive 'bridge-building' has further broadened to include several live appearances at music festivals, art events and community celebrations. You can find out more about Carolyn by visiting her website, her blog, and her Facebook fan page.

Featured Dallas Musical Artist: Joel Pipkin

Joel plays in many Dallas bands, vocal and instrumental, including: Vino Tinto Music (Gypsy Kings andSpanish Pop), Tres Uvas y Una Rosa (Son Montuno and Jazz), Bossa Duende (Brazilian Jazz and American Standards), The Boss LeVeL (Reggae and Rock), The Russ Hewitt Band (Nuevo Flamenco),?Marcelo Berestovoy Group (Argentinian Tangos and Spanish Rumbas), Gypsy Project (French Gypsy Manouche String Quartet), Blue Flamingo (Flamenco/Blues fusion), Jazz Gatos (Latin Jazz), The Front Porch Band (Rag Time). Needless to say, his style is quite eclectic. Find out more about Joel on his website and Facebook fan page.

Even before announcing it here, there has already been an overwhelming response. We have to cap the attendance at 250 and there are already more than 170 people RSVPed on the Facebook Event and EventBrite page, so make sure you RSVP now.

To attend this bash, you must please RSVP on the Facebook event page, and RSVP on Eventbrite to make sure you get on the list.

PARTICIPATING BUSINESSES:

AT&T Performing Arts Center
Nasher Sculpture Center
Artizone.com
Uber Dallas
Lakewood Brewing Company
Four Corners Brewing Co.
Lockhart BBQ
Common Desk
The Pearl Cup
ArtCon 8
Granada Theater
Sundown at Granada
Joel Pipkin Music
David Harman

Transportation Service To and From #ILiveInDallasBash

Uber Dallas, a Dallas on-demand car service, is offering new riders who use code ?ILID? 20% off trips to & from the ILiveInDallas bash. That means, if you do not want to drive you can get picked up and dropped in-style by your own private driver. Find out more about Uber on their website or sign up now.

Networking Opportunity with Top Dallas Culture Bloggers

If you are a business owner, and would like to talk and network face-to-face with the top 20% of Dallas food and culture bloggers, as well as social media influencers, that drive traffic, buzz, and buying decisions in Dallas there still time to participate by contacting us here. There will be a silent auction and many of the businesses above have donated. All proceeds will go to non-profit ArtLoveMagic to host their 2013 Interactive Kids Art Workshop.

VIP Lounge Hosted by TangTab & Park Tavern

TangoTab, offers the best deals on Dallas restaurants and dining experiences, will be hosting the special invite-only VIP Lounge for donating businesses and ILiveInDallas.com contributors. A special thank you goes out to Deborah Newton of TangoTab, who has been instrumental in creating this upcoming event and its certain success. We could not have done it without her.

Park Tavern has also been very gracious about providing space for this event. They will be hosting theVIP Lounge along with TangoTab and allowing our VIPs to try some of their tasty, yet elegant, bar food. They have come up with a special signature cocktail for this event and we can't wait to try it. Their fun decor makes for a casual atmosphere, but the best part is their food. Their menu is amazing. If the weather is nice, we will be out on their wraparound patio.

Come Experience:

• Live up-and-coming Dallas artists provided by ArtLoveMagic painting new pieces while we watch and enjoy
• Specially created Park Tavern appetizers, finger foods, and signature drink concoctions
• The smooth styling?s of a live local band with a rich Dallas history, provided by the talented Joel Pipkin
• Community and camaraderie with fellow Dallas culture fans, critics, and writers
• Silent auction with all proceeds going toward to adopt an ArtLoveMagic Art Kids Workshop in 2013

The Twitter hashtag for the event: #ILiveInDallasBash

This year ILiveinDallas.com was fortunate to win D Magazine's 2012 Readers' Choice for "Best Dallas Blog." In 2011, ILiveinDallas.com won CBS Local's 2011 "Most Valuable Blogger." This celebration is a thank you to all those who helped make it possible (you).

RSVP on Facebook and RSVP on Eventbrite. Inquire here about sponsorship and/or silent auction item donations.

Source: http://www.iliveindallas.com/reader-appreciation-party-this-thursday-to-benefit-artlovemagic

petrino fired george zimmerman charged big sean sherri shepherd sherri shepherd arkansas razorbacks trisomy 18

A slowed, darkened NYC begins to stir to life

A woman shops for groceries by flashlight in the Tribeca neighborhood of New York, Tuesday, Oct. 30, 2012. ConEd cut power to some neighborhoods served by underground lines as the advancing storm surge from Hurricane Sandy threatened to flood substations. Floodwaters later led to explosions that disabled a substation in Lower Manhattan, cutting power tens of thousands of customers south of 39th Street. (AP Photo/Richard Drew)

A woman shops for groceries by flashlight in the Tribeca neighborhood of New York, Tuesday, Oct. 30, 2012. ConEd cut power to some neighborhoods served by underground lines as the advancing storm surge from Hurricane Sandy threatened to flood substations. Floodwaters later led to explosions that disabled a substation in Lower Manhattan, cutting power tens of thousands of customers south of 39th Street. (AP Photo/Richard Drew)

A beachfront house is damaged in the aftermath of yesterday's surge from superstorm Sandy, Tuesday, Oct. 30, 2012, in Coney Island's Sea Gate community in New York. (AP Photo/Bebeto Matthews)

A woman photographs the Manhattan skyline, Tuesday, Oct. 30, 2012 in New York. Much of lower Manhattan is without electric power following the impact of superstorm Sandy. (AP Photo/Mark Lennihan)

A car is upended on a mailbox on Surf Avenue in Coney Island, N.Y., in the aftermath of Sandy on Tuesday, Oct. 30, 2012. Sandy, the storm that made landfall Monday, caused multiple fatalities, halted mass transit and cut power to more than 6 million homes and businesses. (AP Photo/Ralph Russo)

A beachfront house is completely destroyed in the aftermath of yesterday's surge from superstorm Sandy, Tuesday, Oct. 30, 2012, in Coney Island's Sea Gate community in New York. (AP Photo/Bebeto Matthews)

NEW YORK (AP) ? Two days after superstorm Sandy brought New York to a standstill, residents itching to get back to work and their old lives noticed small signs that the city might be getting back to ? well, not quite normal.

Morning rush-hour traffic appeared thicker than on an ordinary day as people started to return to work in a New York without functioning subways. Cars were bumper to bumper on several major highways.

Mayor Michael Bloomberg rang the bell at the New York Stock Exchange Wednesday morning, reopening it after a rare two-day closure.

Perhaps most promising, though, was the people waiting at bus stops ? a sign that mass transit was trying to resume even as the subway system and some vehicle tunnels remained crippled by Sandy's record storm surge.

Rosa Diaz, a 58-year-old diabetic, waited for a bus to take her to the Bronx so she could she could keep an appointment with her endocrinologist. She lives in the Flushing section of Queens but is staying with her mother, who lives in a senior residence in Manhattan's Chelsea neighborhood ? with no power.

"It's horrible," she said. "Thank God, I bought gallons and gallons of water to drink and to wash with."

Even though workaday life was slowly returning, there was little false hope.

"Clearly, the challenges our city faces in the coming days are enormous," Bloomberg said Tuesday as officials warned that power might not be back until the weekend for hundreds of thousands of people accustomed to their cosmopolitan lives.

While some bus service resumed and some bridges reopened, transit officials said they couldn't predict when the subway would run again after suffering the worst damage in its 108-year history.

The storm's deadly impact grew grimly clearer as the worst of it moved off: The death toll rose to 22 in the city, including two people who drowned in a home and one who was in bed when a tree fell on an apartment. A fire destroyed as many as 100 houses in a flooded beachfront neighborhood in Queens, while firefighters used boats to rescue people in chest-high water.

For the 8 million people who live here, the city was a different place one day after being battered by the megastorm ? a combination of Hurricane Sandy, a wintry storm and a blast of arctic air.

Schools were shut for a second day and were closed Wednesday, too. And people inside and outside the city scrambled to find ways to get to work.

In lower Manhattan where power was out, traffic streamed off the Brooklyn Bridge but slowed as it approached downtown. There were few signs that traffic was being directed by police through intersections with darkened stoplights.

Buses have resumed partial service and are free, for now. And the city has modified taxi rules and encouraged drivers to pick up more than one passenger at a time.

Jeff Storey, of Goshen in the Hudson Valley north of the city, is a regular on the Metro-North Railroad and has been forced to work from home this week. He may have to switch to a bus until commuter rail service is running again, he told the Times-Herald Record of Middletown.

For Jill Meltz, a 45-year-old resident of the Upper West Side who works in advertising, Wednesday was the first day she felt good about going out. But it wasn't quite business as usual.

"It'll be back to normal when Starbucks opens," she said, glancing at a still-dark coffee shop.

Faced with the prospect of days without power and swaths of the city plunged into darkness at night, police brought in banks of lights and boosted patrols to reassure victims of a monster storm that they won't be victims of crime.

Some prominent galleries in Manhattan's Chelsea neighborhood hired private security and apartment building superintendents suddenly became guards. In Coney Island, about 100 police officers stood on corners or cruised in cars to guard a strip of vandalized stores and a damaged bank, to the relief of shaken residents.

"We're feeling OK, but at first we felt worried," 12-year-old Oleg Kharitmov said Tuesday as he walked his dog with his parents by the bank. "I'm pretty happy that the cops are here."

There was little sign of a crime wave, although police made multiple arrests in the city Monday and Tuesday, officials said. Charges included burglary, criminal mischief and trespassing. In one incident, three men were arrested on burglary charges after they struck a Radio Shack in Rockaway Beach, Queens, on Tuesday morning.

As night fell, nerves frayed.

Yvique Bastien waited outside an apartment complex with her two sons, her daughter, 4-month old grandchild and a pushcart full of supplies, hoping to get a ride to a relative's home from a member of her church. With the power out, it wasn't safe to stay, she said.

"We don't know what can happen to us," she said.

Bloomberg promised "a very heavy police presence" in the darkened neighborhoods, which include much of Manhattan south of the Empire State Building, from the East River to the Hudson River. Even outside the blackout areas, police deployed vans and patrol cars with their roof lights on, along with officers on the streets in a robust show of force.

Problems with high-voltage systems caused by the storm forced the utility to cut power Tuesday night to about 160,000 additional customers in Brooklyn and Staten Island.

Consolidated Edison, the power company, estimated it would be days before the last of the hundreds of thousands of customers in Manhattan and Brooklyn who lost power have electricity again. For the Bronx, Queens, Staten Island and Westchester County, with even more outages, it could take a week.

___

Associated Press writers Meghan Barr, Verena Dobnik, Frank Eltman, Tom Hays, Larry Neumeister, Karen Matthews, Alexandra Olson, Jennifer Peltz, Verena Dobnik and Hal Ritter contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-10-31-Superstorm%20Sandy-NYC/id-8cfb390ef3bc4d7b902d704dd7e754d2

Hunter Pence NBCOlympics Danell Leyva Ye Shiwen OJ Murdock Olympics Live Mens Gymnastics

Nation's oldest nuclear plant on alert

WASHINGTON (AP) ? The nation's oldest nuclear power plant is on alert after waters from a colossal storm reached high levels.

Oyster Creek in Lacey Township, N.J., was already offline for regular maintenance before Sandy, a superstorm downgraded Monday night from a hurricane, slammed the East Coast.

The Nuclear Regulatory Commission says an "unusual event" was declared around 7 p.m. when water reached a high level. The situation was upgraded less than two hours later to an "alert," the second-lowest in a four-tiered warning system.

Federal officials say all nuclear plants are still in safe condition. They say water levels near Oyster Creek, which is along the Atlantic Ocean, will likely recede within a few hours.

Oyster Creek went online in 1969 and provides 9 percent of New Jersey's electricity.

Source: http://news.yahoo.com/nations-oldest-nuclear-plant-alert-024720174.html

what time does the super bowl start ben gazzara nfl hall of fame 2012 ufc diaz vs condit josephine baker super bowl start time target jason wu

Jurassic Turtle Graveyard Found in China

Scientists say they've uncovered a pile of 1,800 Jurassic turtle skeletons in China that had been swept into a mass grave millions of years ago.

The fossilized mesa chelonia turtles were found in China?s northwest province of Xinjiang in what paleontologists call a "bone bed" with some of the shells stacked up on top of each other in the rock.

Some 160 million years ago, these turtles (identified as a species in the genus Annemys) likely had gathered in one of the remaining waterholes during a very dry period, awaiting rain, which apparently came too late, the researchers say. When all the water left in the hole dried up, the turtles died.

When the rain did finally arrive, it hit with catastrophic force. The inundation sent a river of mud over the area, washing the turtle corpses and surrounding sediments into one resting place, according to the paleontologists' analysis of the site. [See Photos of the Turtle Fossils]

The shells are up to 8 inches (20 centimeters) long and in the zone with the highest fossil turtle concentration, the skeletons are packed at a density of up to 36 turtles per square meter (11 square feet), the researchers said.

"This site has probably more than doubled the known number of individual turtles from the Jurassic," said Walter Joyce, a fossil turtle specialist at the University of T?bingen in Germany. The large sample?gives researchers a rare chance to study variation among individuals in a single prehistoric species.

"We know from living organisms that individuals of some species look very similar, whereas individuals of other species show a lot of variation," Joyce wrote in an email to LiveScience. "As a paleontologist, it is therefore always difficult to assess if your fossil looks different from others because it is a new species, or because it is part of an already known, but variable species. With data from the new site we will finally be able to more rigorously assess patterns of diversity of turtles in the Jurassic of Asia."

The research appears in the October edition of the German journal Naturwissenschaften.

Follow LiveScience on Twitter @livescience. We're also on Facebook?& Google+.

Copyright 2012 LiveScience, a TechMediaNetwork company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://news.yahoo.com/jurassic-turtle-graveyard-found-china-133540907.html

detroit red wings jose canseco zimmerman derek fisher lyrid meteor shower hippocrates andrew breitbart

Hints And Guidelines On Home Remodeling And Repair - BlackMarx

Property-improvement projects need not be a pain! If you program ahead and retain a flexible attitude, you will be in a position to do your house improvement projects in a timely and cost successful manner. Retain reading to discover out how you can complete home improvement projects swiftly and easily with our effortless to do suggestions.

If you are preparing a key project, hire someone skilled to produce the plans. If you lack formal instruction in this region, the plans you generate may possibly be heavy on esthetics and light on functionality. Pros are nicely qualified to develop effective plans and to adhere to nearby building codes as effectively.

Choose which room in your property will be the focus of your 1st renovation project. Preserve in thoughts that remodeling can be tackled room by space to preserve your spending budget. Program out your strategy and watch for deals on construction materials and furnishings. Organizing ahead constantly assists you anticipate troubles and save income.

Consider ahead just before tackling a house improvement project. You must have all of the particulars worked out prior to starting any job. This will save you time and cash in the finish.

Verify the professionalism with all of the quotes for your project. The letterhead is some thing that you will want to look out for, as lack of professionalism could lead into poor operate or a scam. This is a definite plus for the firm, but you need to have to be sure to do other investigation as well.

A finished basement adds both worth and comfort to your house. When your basement is finish, you have give your family a complete new space to take pleasure in. Buy the supplies you want from a discount store. Usually speaking, you can increase the value of your residence by about 30% when you finish out your basement.

Buy high-quality supplies and tools for an home improvement projects you are performing your self. You could invest more initially, but you will save funds down the road. In common, high quality merchandise tend to have a longer life and can greater go via wear and tear. Paying far more in the starting means you do not require to replace your tools very so typically.
read more
As you undergo a bathroom remodel, do not forget to install sufficient lighting. It can be simple to shed concentrate as you incorporate new fixtures and looks. This can make it easy to overlook lighting needs. Appear for lights to contain around the medicine cabinet or mirror, although putting up lights on the ceiling that can be just replaced at any time. read more

A way to quit bugs from obtaining into your home, and saving cash while you are at it, is to basically seal openings or cracks. Use caulk around windows, as properly as in other places. When the caulk is dry, air will have difficulty getting out, and bugs and other pests will have difficulty finding in.

Freestanding furnishings is a excellent investment for your bedroom. While fitted furniture saves space and looks good, you cannot take it with you if you move. Totally free-standing furnishings also give you much more possibilities for redecorating, as they can be moved from room to space, refinished, or sold.

It is a good concept to save funds to spend for your property improvement projects just before you really commence them. Otherwise, you could run brief of funds during the project. Budgeting your home improvement operate when you are too flush with cash can lead you to finding more than-ambitious, both in terms of the projects you attempt to take on and in the way you plan to go about them.

Old flooring must be replaced. Some flooring possibilities can be much more expensive, but the long term investment is nicely worth it. Tearing out linoleum, vinyl, or low-high quality carpet to replace it with tile, wood, or stone will make your residence not only much more appealing but also much more beneficial.

Update your windows. Install new windows! Double-glazed windows are a ought to. These are not inexpensive but can add a great deal of worth to your property and save you income. New windows also can add security attributes to your home. You can constantly repaint your existing window frames if you can?t afford new ones, this can increase your home?s look, as nicely.

Paint the outside or inside of your property. A fresh coat of paint will clean your walls and refresh them appropriate away, and a new color can give a space an completely new look. You may also want to think about painting or finishing old furnishings.

If you require to repair your roof, use white tile. Dark tiles absorb sunlight, rising heat in your attic. If you use lighter-colored tiles, the temperature in the attic won?t rise as considerably. That way, when there is a require to get some thing from your attic, the heat will not be so extreme.

A selection of screws are utilized in various residence improvement projects. It is important to know which screw is the appropriate one for any home improvement project you undertake. If you are working on a project employing wood, you want to use wood screws, as these are developed to simply screw into wood. Similarly, if you are working with sheet metal, use sheet-metal screws.

If you happen to be a beginning handyman, try leveling up your skill by taking courses at areas like Lowe?s and House Depot. These classes can give you fantastic assistance on simple and advanced painting, floor installation or repairs of something around the home. They could even supply some wonderful offers on the supplies you need to have for your project. These classes can save you quite a lot of headache, so be sure to take benefit of them before you start off a project.

Whenever you work with electricity you really should often kill the power at the circuit breaker. Not taking this crucial step can lead to you to be electrocuted or even die.

Acquiring residence improvement projects accomplished with less fuss is a great goal. Every single home will want some maintenance or repairs eventually. Homeowners that go above and beyond will reap the positive aspects of obtaining a far better atmosphere to live in. Keep understanding tricks about property projects to expertise these rewards.

50 homes burn as six-alarm blaze hits Queens

Frank Franklin Ii / AP

A fire that ravaged through the flooded Breezy Point neighborhood in the New York City borough of Queens destroyed at least 50 houses Monday night.

By NBC News staff

Updated at 9:23 a.m.:?NEW YORK -- ?At least 50 homes were destroyed in the New York City borough of Queens early Tuesday as crews continued to battle a six-alarm fire into the daylight.

FDNY officials said the fire at Breezy Point was reported at about 11 p.m. ET on Monday in a Zone A area, which the New York City Office of Emergency Management declared to be the highest risk of flooding from Superstorm Sandy?s storm surge.

FDNY spokesperson Michael Parrella told NBC News that nearly 200 firefighters were on the scene by 5 a.m. Tuesday, battling high winds that made the flames difficult to knock down.

---

Stay informed with the latest headlines; sign up for our newsletter

With chest-high water from the storm filling the street, firefighters had to use a boat to make rescues, the Associated Press reported. Fire department officials said about 25 people were trapped in the upstairs unit of one apartment, and the two-story home next door was ablaze and setting fire to the apartment?s roof. Firefighters climbed an awning to rescue the trapped people and took them downstairs to a boat in the street.

Parrella said the six-alarm blaze was largely contained Tuesday morning after the fire ravaged through several blocks and destroyed 50 homes, but there were pockets still smoldering. City officials said it appeared most of the area was evacuated prior to the fire, and no serious injuries have been reported, NBCNewYork.com reported.

About 170 firefighters were called to the scene in Breezy Point, Queens, where at least 50 homes have caught fire. MSNBC's Chris Jansing reports.

One firefighter sustained minor injuries and was transported to an area hospital, Parrella said.

The cause of the fire was not immediately known, Parrella said, and weather was still a factor.

Watch the most-viewed videos on NBCNews.com?

The Breezy Point neighborhood, which functions mainly as a summer get-away for many residents of New York, sits on the western end of the Rockaway peninsula, jutting into the Atlantic Ocean. The small, coastal area contains about 3,500 homes.

Reports of the fire came just hours before President Barack Obama signed a major disaster declaration for New York and Long Island in the wake of Hurricane Sandy?s destruction, enabling federal aid to assist with storm recovery efforts.

More content from NBCNews.com:

Follow US news from NBCNews.com on Twitter and Facebook

?

Source: http://usnews.nbcnews.com/_news/2012/10/30/14797289-50-homes-destroyed-as-six-alarm-blaze-rips-through-queens?lite

lawrence o donnell magic johnson jetblue pilot solicitor general neighborhood watch dennis rodman dodgers sale

Teleseminar Basics ? the fastest way to start offering your own ...

Sorry, Readability was unable to parse this page for content.

Source: http://oicenapura.blogspot.com/2012/10/teleseminar-basics-fastest-way-to-start.html

etta james at last john king obama sings al green heidi klum and seal ohare airport etta james songs east west shrine game

Researchers identify genetic basis of cardiac, craniofacial birth defects

Tuesday, October 30, 2012

A group of researchers in Israel, the United States and other nations have made important advances in the rapidly-expanding field of "regenerative medicine," outlining for the first time connections in genetic regulation that normally prevent birth defects in heart and facial muscles.

Some of these problems are surprisingly common ? about 1 percent of all people have a congenital heart defect. This basic research will provide a road map to ultimately allow scientists to grow the cell types needed to repair such defects, from stem cells that can be generated from a person's own body.

The findings were published online today in the Proceedings of the National Academy of Sciences.

"Advances in regenerative medicine and developmental biology can now happen because we no longer require human embryos to generate stem cells," said Chrissa Kioussi, a co-author on the study and associate professor in the College of Pharmacy at Oregon State University. "The Nobel Prize this year was awarded to people who discovered how to make stem cells from adult biopsies."

Patient-derived stem cells can in principle be turned into any needed cell type, Kioussi said. The key is understanding the exact regulatory process than tells cells what type they are supposed to turn into, she said, such as a cell on the outside of the left ventricle of the heart.

"Once we understand these genetic controls in sufficient detail, we can not only turn a skin cell into a stem cell, but also turn that stem cell into the type needed for the patient to recover," Kioussi said. "We may eventually be able to grow replacement organs from the patient's cells."

In this study, researchers identified four specific "transcription factor" genes that control processes related to heart and head muscle formation. When there are defects in this process, the result can be death or a range of debilitating problems, from cleft palate to facial malformations and defective heart valves.

"There are about 20,000 genes in the human genome, but only 2,000 of the genes describe transcription factors," Kioussi said. "These transcription factors control the output of genes, the genetic machinery. They collectively determine which of the 20,000 possible molecular machines is actually deployed in each particular cell type."

Scientists have found that these transcription factors don't work alone to define cell types in mammalian development ? they function in small, self-stabilizing combinations of at least two or three.

The process moves rapidly after conception, and within one month most of the cells in the body "know" their cell type, based on the precise combination of transcription factors produced within them. When researchers understand how these stable transcription factor combinations get generated, they will know how to artificially generate these combinations in stem cells to convert them into the needed cell types.

Mammalian embryonic development is a process of self construction, a series of transitions of "temporary" cell types on the way to adult cell types. A fertilized egg is essentially a stem cell with the potential to become any other cell type. At each intermediate stage, the "temporary" cell types become more restricted in what they can become, until they ultimately achieve and maintain the adult type.

"In this work and in regenerative medicine, we care a great deal about all of these steps of cell differentiation," Kioussi said. "If you know all the steps it takes to get from here to there, you can identify what went wrong and find ways to fix it. This is being done already with some disease problems, and this work will move us closer to being able to repair heart and craniofacial defects."

The task is complex, Kioussi said, but very possible. Although there are 100 trillion cells in the human body, there are only about 100 adult cell types. Understanding and influencing the genetic specification of those cell types is possible and will probably revolutionize the treatment of many defects and diseases, Kioussi said.

This work was supported by the European Research Council, the Israel Science Foundation, the U.S. National Institutes of Health, and other agencies. The lead author was Eldad Tzahor at the Weizman Institute of Science in Israel, and other collaborators were from universities and agencies in the United Kingdom, India and Spain.

###

Oregon State University: http://www.orst.edu

Thanks to Oregon State University for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

This press release has been viewed 30 time(s).

Source: http://www.labspaces.net/124899/Researchers_identify_genetic_basis_of_cardiac__craniofacial_birth_defects

mike starr ufc 141 fight card gli joseph gordon levitt katy perry russell brand mark hurd new ipad 3

PFT: McKinnie denies spending $375K at strip clubs

Getty Images

Former Lions and Bills LB Chris Spielman will be profiled on NFL Network?s A Football Life tonight.

The Dolphins are getting big performances from their defensive tackles.

Patriots QB Tom Brady says his offensive line did ?a phenomenal job? protecting him against the Rams.

Although he?s primarily a defensive coach, Rex Ryan may ultimately be judged on how he handles the quarterback situation.

The Ravens can?t afford a letdown this week against the Browns.

Cincinnati LB Vincent Rey says the Bengals were the only team interested in him after he went undrafted following a college career at Duke.

Browns RB Trent Richardson is currently on pace for a 940-yard rookie season.

The Steelers don?t know if they?ll have S Ryan Clark or LB LaMarr Woodley on Sunday against the Giants.

The Texans have a clear path to home-field advantage in the AFC playoffs.

For the Colts? offense, protecting QB Andrew Luck from Dolphins DE Cameron Wake will be a top priority on Sunday.

Jaguars coach Mike Mularkey says he?s not thinking about trades and didn?t even know the trade deadline had been moved from Tuesday to Thursday until reporters told him.

Titans MLB Colin McCarthy is still not back at full speed from a Week One high ankle sprain.

Says Broncos WR Brandon Stokley of QB Peyton Manning, ?Almost every time he plays, he does something you?ll remember. I?ve been saying all along he looks the same to me, and I don?t think there?s any doubt what he brings.?

Chiefs QB Matt Cassel says of playing Thursday night in San Diego, ?We?re familiar with San Diego, and they?re familiar with us. It will be a great atmosphere, it will be a nationally televised game at night, and everyone is excited in this locker room.?

Chargers WR Eddie Royal is hoping to get a bigger role on special teams.

Raiders QB Terrelle Pryor is volunteering his time working with students at a local middle school.

The Cowboys could try to add depth at inside linebacker or receiver before the trade deadline.

The Giants need more of a pass rush from DEs Justin Tuck and Osi Umenyiora.

The Eagles? average starting field position has been the 24.9-yard line, ranking them 31st in the league.

The Redskins will wear throwback uniforms this Sunday. (And they won?t be anywhere near as ugly as the throwbacks the Redskins saw in Pittsburgh last Sunday.)

The Bears? offense misses WR Johnny Knox, who has been out since suffering a serious back injury last season.

Said Lions CB Jonte Green, a sixth-round rookie who has been forced to start the last two games because of injuries to other cornerbacks, ?We?ve just got to keep playing no matter who?s out there. We lost some guys to injuries, and some guys stepped up.?

Packers defensive coordinator Dom Capers sees ?significant improvement? in the team?s pass rush.

Fran Tarkenton has some words of encouragement for Vikings fans.

Falcons coach Mike Smith praised the effort of RB Jacquizz Rodgers, who broke off a big run in addition to playing well in the passing game and on special teams.

Panthers K Justin Medlock, who has a black father and a white mother, says people make an issue of his race: ?I get it all the time. Sometimes on the field you can hear them while I?m warming up. You can hear the wide receivers saying ?Oh! That?s a black kicker.??

The Saints? defense got outsmarted by Broncos QB Peyton Manning.

The Buccaneers are 0-5 all-time in Oakland.

Said Cardinals QB John Skelton of the team having nine rushes for seven yards on Monday night, ?The reason we abandoned the run game was because we couldn?t do it.?

The 49ers are getting a six-day break during their bye week.

Seahawks coach Pete Carroll says there?s no doubt in anyone?s mind in the Seattle locker room that the team is heading in the right direction.

Source: http://profootballtalk.nbcsports.com/2012/10/30/bryant-mckinnie-denies-running-up-375000-in-strip-club-bills/related/

glee wii u wii u boxing news Coptic Christian saturday night live julio cesar chavez jr

UK Newsx.com ? Tesla Electric Generator Is Excellent For Home Use

There is usually a resurgence in attraction inside the Tesla generator as an alternate electricity base. Permanently associated with its creator Nikola Tesla, this electric generator is designed to produce a affordable base of strength that has small to no unfavorable effects to the environments. This distinct electric generator will not rely on fossil fuels or other non-renewable resources of strength to operate. Furthermore, these generators are capable of converting a little level of strength into a considerably bigger amount, so they may be employed like a house source of power.

Everyone serious about by using a Tesla generator for your residence can uncover ideas for developing it from numerous online outlets. A single of your major added benefits of the generator is the fact that resources wanted to assemble it have a tendency to value much less than 1 hundred dollars. Soon after this funding, you are able to drastically decrease the fees of the vitality payments. Also, the generator is capable of producing a lot more electricity than a single may possibly in fact use within the household, so like pv ability, it may very well be achievable to sell power back again to the utility company.

You can find also quite a few other positive aspects to employing these generators for the household. The electric generator won?t require very much maintenance after it truly is constructed. It is also fairly tiny and compact in contrast to numerous other generators, so there ought to be no difficulty finding someplace to location it. Given that these generators are so small, they may be transported for use for people outside actions in which electrical outlets are scarce.

You will not should assemble this device from scratch when you do not possess the technical competencies to perform the task. Just as you may find the strategies to build a generator, you?ll be able to also uncover outlets that promote the devices. This added comfort may well value just a little far more, but it may just be really worth the funding because the device produces electrical power on its own. Furthermore, the benefits to the atmosphere involve no emission of toxicity and radiation and it also runs incredibly quietly.

This generator is additionally perhaps the minimum expensive substitute vitality supply accessible. Together using the chance of advertising energy back again on the utility organization, this generator may also get monetary savings with tax incentives. People who use resources of option vitality may have one particular device deducted from their revenue tax. In other text, not only does the equipment spend for itself, but also assists the homeowner receive excess revenue if it really is impressive plenty of to yield a lot more energy than is needed.

The benefits of owning a Tesla generator for property use go much beyond the costs it saves the homeowner. These self-preserving generators are very good for the setting since they emit no damaging substances in to the setting. Nonetheless, you need to be sure that you have a gadget which is powerful ample to accommodate what ever dimension dwelling you may have. Utilizing this renewable resource of power could be straightforward and create a sensible volume of electrical energy for any type of household.click here to go tesla Electric Generator

Source: http://www.uknewsx.com/tesla-electric-generator-is-excellent-for-home-use/

London 2012 hurdles Taylor Kinney Beach Volleyball Olympics 2012 Jessica Ennis Oscar Pistorius Aliya Mustafina Kirk Urso

At 6 months, development of children with autism like those without

Tuesday, October 30, 2012

The development of children with Autism Spectrum Disorder (ASD) is much like that of children without ASD at 6 months of age, but differs afterwards. That's the main finding of the largest prospective, longitudinal study to date comparing children with early and later diagnosis of ASD with children without ASD. The study appears in the journal Child Development and has implications for clinical work, public health, and policy.

The study was conducted by researchers at the Kennedy Krieger Institute, the Johns Hopkins University School of Medicine, the Johns Hopkins Bloomberg School of Public Health, and the Aging Brain Center at the Institute for Aging Research and Hebrew SeniorLife at Harvard Medical School.

The study sought to learn more about the patterns of development during the first three years of life in children with and without ASD to better understand how ASD can be detected as early as possible. It is the first prospective study to examine early-onset ASD (by 14 months) and later-onset ASD (after 14 months) over the first three years, pinpointing where development looks the same and where it diverges.

ASD comprises a group of disorders of brain development that affects about 1 in 88 American children.

Researchers looked at 235 primarily White children with and without an older sibling with autism, testing them at regular intervals from ages 6 to 36 months. Using standardized and play-based assessments, they tested children's fine motor skills, understanding of spoken language, and spoken language production skills. They also measured how often the children shared their emotions and initiated communication with others.

The study looked at early development across three groups: children without ASD, children with ASD who were identified by 14 months, and children with ASD identified after 14 months. At 6 months, development within the early- and later-identified ASD groups was comparable to each other and to the non-ASD group. At 14 and 18 months, the early-identified ASD group performed below the later-identified ASD group in many aspects of development. By 24 to 36 months, the two groups showed similar levels of development.

"Results show that ASD has a preclinical phase when detecting it may be difficult," explains Rebecca Landa, director of the Kennedy Krieger Institute's Center for Autism and Related Disorders and the study's lead author. "In some children with ASD, early signs of developmental disruption may not be ASD-specific.

"Routinely administering general developmental screeners, such as the Ages and Stages Questionnaire, should begin in infancy, complemented by ASD-specific screeners by 14 months," suggests Landa. "Screening should be repeated through early childhood. If concerning signs of delay associated with ASD are observed in a child who scores normally on standardized tests, further assessment is warranted."

###

Society for Research in Child Development: http://www.srcd.org

Thanks to Society for Research in Child Development for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

This press release has been viewed 47 time(s).

Source: http://www.labspaces.net/124896/At___months__development_of_children_with_autism_like_those_without

kwame brown martin luther king day blue ivy devil inside dash diet how to make moonshine joel osteen

Hermit crabs socialize to evict their neighbors

Monday, October 29, 2012

Social animals usually congregate for protection or mating or to capture bigger prey, but a University of California, Berkeley, biologist has found that the terrestrial hermit crab has a more self-serving social agenda: to kick another crab out of its shell and move into a larger home.

All hermit crabs appropriate abandoned snail shells for their homes, but the dozen or so species of land-based hermit crabs ? popular terrarium pets ? are the only ones that hollow out and remodel their shells, sometimes doubling the internal volume. This provides more room to grow, more room for eggs ? sometimes 1,000 more ? and a lighter home to lug around as they forage.

But empty snail shells are rare on land, so the best hope of moving to a new home is to kick others out of their remodeled shells, said Mark Laidre, a UC Berkeley Miller Post-Doctoral Fellow who reported this unusual behavior in this month's issue of the journal Current Biology.

When three or more terrestrial hermit crabs congregate, they quickly attract dozens of others eager to trade up. They typically form a conga line, smallest to largest, each holding onto the crab in front of it, and, once a hapless crab is wrenched from its shell, simultaneously move into larger shells.

"The one that gets yanked out of its shell is often left with the smallest shell, which it can't really protect itself with," said Laidre, who is in the Department of Integrative Biology. "Then it's liable to be eaten by anything. For hermit crabs, it's really their sociality that drives predation."

Laidre says the crabs' unusual behavior is a rare example of how evolving to take advantage of a specialized niche ? in this case, land versus ocean ? led to an unexpected byproduct: socialization in a typically solitary animal.

"No matter how exactly the hermit tenants modify their shellters, they exemplify an important, if obvious, evolutionary truth: living things have been altering and remodeling their surroundings throughout the history of life," wrote UC Davis evolutionary biologist Geerat J. Vermeij in a commentary in the same journal. For decades, Vermeij has studied how animals' behavior affects their own evolution ? what biologists term "niche construction" ? as opposed to the well-known Darwinian idea that the environment affects evolution through natural selection.

"Organisms are not just passive pawns subjected to the selective whims of enemies and allies, but active participants in creating and modifying their internal as well as their external conditions of life," Vermeij concluded.

Laidre conducted his studies on the Pacific shore of Costa Rica, where the hermit crab Coenobita compressus can be found by the millions along tropical beaches. He tethered individual crabs, the largest about three inches long, to a post and monitored the free-for-all that typically appeared within 10-15 minutes.

Most of the 800 or so species of hermit crab live in the ocean, where empty snail shells are common because of the prevalence of predators like shell-crushing crabs with wrench-like pincers, snail-eating puffer fish and stomatopods, which have the fastest and most destructive punch of any predator.

On land, however, the only shells available come from marine snails tossed ashore by waves. Their rarity and the fact that few land predators can break open these shells to get at the hermit crab may have led the crabs to remodel the shells to make them lighter and more spacious, Laidre said.

The importance of remodeled shells became evident after an experiment in which he pulled crabs from their homes and instead offered them newly vacated snail shells. None survived. Apparently, he said, only the smallest hermit crabs take advantage of new shells, since only the small hermit crabs can fit inside the unremodeled shells. Even if a crab can fit inside the shell, it still must expend time and energy to hollow it out, and this is something hermit crabs of all sizes would prefer to avoid if possible.

###

University of California - Berkeley: http://www.berkeley.edu

Thanks to University of California - Berkeley for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

This press release has been viewed 33 time(s).

Source: http://www.labspaces.net/124875/Hermit_crabs_socialize_to_evict_their_neighbors

ghost hunters lightsquared david lee honduras prison fire do not call list sports illustrated westminster dog show 2012

(Video) Public speaking facts, myths, & helpful tips!

Hey there readers! Started to produce videos of original content on a YouTube channel.?

Have a speech or presentation coming up? Feel "awkward" speaking in front of people? Here are key facts, myths, & crucial tips to ensure your success in creating an engaging experience for your next audience. "Proper preparation leads to powerful performance," I like to say! Questions answered inside... Do you have to stay behind the podium? Do I write my speech or presentation out word for word? What do I do if I screw up a part of my talk? My commitment to you is to give you the tools to nail your next speaking engagement!


Enjoy it? Please comment on YouTube, like the video, & subscribe to the YouTube channel to stay on the cutting edge as more are produced! You can also find more original content at www.normanized.com.?Appreciate your readership! -?Joseph Norman

Source: http://notableandnewsworthy.blogspot.com/2012/10/video-public-speaking-facts-myths.html

Carlton Morgan Freeman Dead Stand Up to Cancer Azarenka NFL fantasy football Chris Kluwe Jennifer Granholm

Eni CEO Meets Ukrainian PM>> LNG World News

Ukraine?s Prime Minister Mykola Azarov and Eni CEO Paolo Scaroni met in Kiev to discuss Eni?s activities in the country.

During the meeting, which was cordial and constructive, Eni?s CEO shared with the Prime Minister the developments of the company?s ongoing activities in Ukraine, affirming Eni?s positive vision of the exploration potential that the country presents in the unconventional gas. Additionally, Paolo Scaroni shared with the Prime Minister the outlook of the progressive strengthening of Eni?s presence in Ukarine, where Eni has laid the groundwork for consolidation of its future activities.

Eni, which has been present in Ukraine since 2011, signed an agreement in June with the state company Ukrainian National Joint Stock Company Nak Nadra Ukrayny and with Cadogan Petroleum Plc for the acquisition of 50.01% and the operatorship of the Ukrainian company LLC WSTGASINVEST, which holds the rights over nine blocks for the exploration and development of unconventional gas (shale gas) in the Lviv basin, in the west of the country near the border with Poland. The Lviv basin is considered to be one of the areas with the highest potential in Europe for the exploration of unconventional gas.

Eni holds interests in two exploration and development licenses in the country, Zagoryanska and Pokroskoe, located in the Dnieper-Doneyz basin.

LNG World News Staff, October 29, 2012; Image: Eni

?

Source: http://www.lngworldnews.com/eni-ceo-meets-ukrainian-pm/

jersey shore season 5 mark driscoll unemployment rate unemployment rate jesse ventura keri russell drew barrymore

Naruto: Another story

Generations after Naruto Sippuden a new generation of ninja has the tailed demons locked inside them and the new ninjas are in for a rude Awakening as Another War is brewing a Squad fresh out of the Academy must try to stop it.

Owner:

Game Masters:

This topic is an Out Of Character part of the roleplay, ?Naruto: Another story?. Anything posted here will also show up there.

Topic Tags:

Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "Naruto: Another story"

You may edit this first post as you see fit.

Heyo how is everyone today?

holothewisewolf

Member for 0 years

---

---

Thryetsgttgstgftcgcgfhgihihi!!!!!! I've been waiting for another Naruto RP!!! I MUST JOIN!!! And I'll drag a friend here, too, if ya' don't mind. :)

ViceRicePres

Member for 0 years

---

---

9 tails for me!!!
I am going to be a chick 9 tails jinjuricki!!! Fuck yeah!!

Nightmaric_Angel

Member for 0 years

---

---

---

Post a reply

RolePlayGateway is a site built by a couple roleplayers who wanted to give a little something back to the roleplay community. The site has no intention of earning any profit, and is paid for out of their own pockets.

If you appreciate what they do, feel free to donate your spare change to help feed them on the weekends. After selecting the amount you want to donate from the menu, you can continue by clicking on PayPal logo.

Who is online

Registered users: 1Toklo1*, 360Tan*, abiotrophy, Adantas, AdellRazh*, Adoration, Ahri*, AiraValkov, Akantha, almostinsane, Angelfire*, Animality Opera, Aradia, Aramay, Arik223, Asher MstrImmortalis*, Asper*, barney_fife*, Bhu-Bhu, BilgeWater*, bizarre1*, BleedingLover, BlueWind_22, Bravely Volunteered, Bug*, Bugbuster*, BumbleDrop*, Caeruleus Lupis*, Caledonia*, ceh12*, Celaira, Centraiu*, ChaosxChild13, Child of the Winged, Choclate~Pyrus*, ChristyLovesYou, chrono, Cienpher, cirrus_sd, cmpuncle*, Colors of Iris*, Communist*, Conquerer_Man*, Cooper*, coricidinForte*, cosmopolitanlove*, Crooked Thoughts*, Curtsive*, CussingChild*, DA_SHADOW_PHOENIX, DarKnight36, DarlingRapture, Dashmiel*, Deallo, Dekar*, DemiKara, DemonDante*, Digital_Muse*, dimon lord*, Disarmhxc*, DreamerOnTheStars, ebon15*, Elfangor19*, Epicnukeguy, Erik7622*, Essence*, Exabot [Bot], FamishedPants*, Fencer*, Forensic_Anthro, foxwolfmoon, freakofnature*, Gabriel Ryker, Geekly*, Gintoki Sakata, Google [Bot], Google Adsense [Bot], Google Feedfetcher, GoriexGorie*, Gypsy*, Haas33*, Hallowed777, Heather1205, HitoriRaven*, holothewisewolf, HorrificReverie*, Hyperiant*, IAmAlien, Imma little duck, Inspector-Storyhead*, jackrules158*, Jadeling Hawkins, JEDH3*, Jehanne, Jewliet115*, John_234*, Kaida*, Kaire23, Kana178, KathrineArei, katy234*, kexia, KiddeStarr, KiraArsenic, Kohananinja*, Korrye, Lady_Blood92243*, Lainpinky131, LDCloud*, LeagueOfI*, Lenyx, Lifecharacter*, Light_of_the_Fallen, lightningpoint, Link Mantis*, Little Fox*, Lobos, Lorrim*, Lost Whisper, lovechanningforever*, LuckyNumber24, Lufia, Majestic-12 [Bot], MaliceInWonderland, MarchHare*, Mat_z6*, Mathew Littlepaw, Merchant, MetalSliver*, MissingAxis*, Modesty*, Moonbow*, Morgan*, Mr. Crow*, MSNbot Media, mummydove*, NethanielShade, Nevan, Nevermore90, nicolbaka*, Nightmaric_Angel*, Oblivian, Odinson, OpalePhantasmagoria*, OurLadyofSorrows, Patcharoo*, pieluver, Porecomesis*, Princess Awinita*, psbot [Picsearch], Psyche*, Psychroma, Qaida*, qbsuperstar03*, QueenJen*, Raidose*, Ran_Akuma, RedRaine, RedxDevilx*, Romaneck, rpannier*, Saarai*, sabrinalove3001, Scaea, Scorpion01, Seanhiruki*, Seirei*, Selmaina*, SerenityMist, Shaodow, Shiki29, Shpleem*, silentawakening, simone204*, Skwidge, slcam, SlightlyInsane, Smokescreen, Solo Wing Pixy, Somethingderp, Sorella*, spudjohnson*, St. Valentine, Stella11, SukaiKori*, Sweet Angel Jocelyn*, Tainted Twinkee*, Tanman*, Temperance*, TemplarWarden*, Tenill*, Terrus*, The Afterman, The Black Death, The Harbinger, The Illusionist, The Painkiller, The(Doctor)Horrible*, TheKeldarinKiller*, TheMadBlackRabbit, TheMysticKnight, TheNoremac42*, Thundergod1020*, tigerking1292*, Toffeeebot*, triston001*, True Grave*, Tsukiakari*, TwiliXDragon, Vestiline*, Vexilous*, ViceVersus, VindicatedPurpose, Vinno1234, Wake*, welcoming lies, Winds Of Fate*, Wing06Twilight, wolfoftheage*, Wudgeous, X64*, XavierDantius32*, xoxMissClairexox*, xXChocobeanXx, Yahoo [Bot], YokoKitsune*, YooHooYummyTummy*, Zenia*, zeno3111*, zolarix*

Source: http://feedproxy.google.com/~r/RolePlayGateway/~3/7Fl-bJ5opWA/viewtopic.php

robert hegyes mary louise parker mary louise parker cher morgellons nhl all star draft touch

Social Media Marketing Tips And Updated Strategies Available At ...

[unable to retrieve full-text content]Social media marketing strategies increase traffic and increase profits. For those internet marketers wondering how huge can social media be in terms of helping businesses online explode, simply reckon about Facebook and ...

Source: http://millionaire.only-the-news.com/social-media-marketing-tips-and-updated-strategies-available-at-profit-hub-the-place-for-internet-marketing-training/

kid cudi ben breedlove matt barnes hcm loretta lynn gene kelly zoe saldana zooey deschanel and joseph gordon levitt

Residents tell why they defied evacuation edict

Miranda Leitsinger / NBC News

Laz Benitez puts duct tape on the window of the 9th-floor lower Manhattan apartment he shares with his wife, Annie Chambliss, early Monday. The couple decided to stay despite Mayor Michael Bloomberg's mandatory evacuation order because they didn't want to cram into someone else's home with their 5-year-old dog, Kallon.

By Miranda Leitsinger, NBC News

While large swathes of New York City were under mandatory evacuation orders Monday ? a fact that police cars and vans with speakers loudly blared throughout the morning ? many residents elected to defy the edict and hunker down in their homes.

Annie Chambliss and Laz Benitez took their dog, Kallon, on one last pre-storm walk at midmorning before taping up their windows and holing up inside their lower Manhattan apartment overlooking the Hudson River. A block away, parents Claire Wladis and Nicholas Rennie did the same with their 21-month-old daughter, Iliana, in their 15th-floor flat.

"We sort of decided it would probably be safer just to stay where we are," said Wladis, 34, a university math professor, noting that her relatives lived in other states that were expected to fare even worse during the storm. "We are not that high up and there's an internal hallway, so we figured if the winds got strong we'd just pull a mattress out there and camp out."

---

Miranda Leitsinger / NBC News

Claire Wladis, 34, holding her 21-month-old daughter Iliana, and her husband, Nicholas Rennie, 45, look across the Hudson River toward New Jersey early Monday, trying to assess how high the water had risen. The couple decided to stay in their lower Manhattan apartment despite Mayor Michael Bloomberg's mandatory evacuation order, saying they felt safer there than anywhere else.

Despite an evacuation order issued Sunday by the city's Mayor Michael Bloomberg, which covered some 375,000 people living in low-lying areas, it was clear Monday that many residents decided to stay put and take their chances when Hurricane Sandy reached shore.

The neighborhood where the families NBC News interviewed live was quiet on Monday, but neither was it a ghost town. Some people walked their dogs or jogged, while others stood at the waterfront watching the river rise. Many nearby businesses were boarded up, however, and many had sandbags piled up around their entrances.

Only 3,000 people?had sought refuge in city emergency shelters, Bloomberg said Monday at a late-morning briefing, though many others were likely staying at hotels or with friends or family..

Wladis and Rennie said having a young child figured into their decision-making.

Miranda Leitsinger / NBC News

Iliana Rennie lays in her bed tent, which her parents placed inside a closet for protection in case an apartment window breaks during the storm.

The couple moved a small, cozy sleep tent for Iliana into a walk-in closet, away from the apartment windows facing the river, which was lapping over walkways amid a constant drizzle and powerful wind gusts.

"I actually feel safer being able to go into internal hallways ... than say being in a shelter where she's maybe not sleeping and I'm chasing her around," said Rennie, a 45-year old literature professor, as Iliana crawled and ran around an apartment building lobby.

Of Iliana's bed tent, he said: "She loved it. She didn't want to leave this morning."

The couple figured they were well-prepared for what could be a lengthy stay inside: They stocked up on five days? worth of nonperishable foods, bought a tarp, flashlights and candles, filled up the bathtub with water, moved computers and other valuable objects away from the windows, and charged their laptops and computer tablets. And they had? sleeping bags ready in case they lose power.?

They also had wet pads and food for their 12-year-old black Pomeranian, Little Bit, and plenty of toys and books for Iliana. They said they planned on letting Iliana play ball with Little Bit in the hallway and turning to real-life books to occupy their time if they lose all electricity.

"I think if this was much worse, we would definitely have seriously considered going to a shelter or to somebody else's (place)," Wladis said, adding she felt the biggest risks were more likely to be "inconvenience, as long as you stay inside and don't go wandering off in the storm."

Chambliss, 31, and Benitez, 41, made similar preparations for their 9^th-floor apartment,?but also bought thick foam and duct tape to cover their lone window. Though they had many offers to stay with friends in other parts of the city, cramming into a? small apartment wasn?t an appealing prospect,? especially with a dog.

"When we evacuated last time (for last year's Hurricane Irene), it actually was worse off where we evacuated to," said Chambliss, who works in web communications, as she walked Kallon along the riverfront.?"We'll probably be stranded wherever we are for a long time. We figured we'd rather be stuck in our own home."

The couple did expect to lose power, and had fully charged all of their electronic gadgets. They also stocked up pans and pots in case of any water leaks, since they are on the top floor in their building.

"We're not being reckless. We're being very cautious," said Benitez, a public-relations worker, while monitoring a TV broadcast for updates on the storm. "We feel much safer here actually."

Early Monday, police vans and cars drove through the evacuation zone broadcasting warnings. ?"Please leave," said one message, while another warned that those who stayed were committing a ?Class D misdemeanor.?

A possible citation notwithstanding, the Wladis-Rennie family said they intended to make the most of the experience of riding out a hurricane.

"As long as it doesn't feel dangerous, it's kind of fun and festive," Wladis said as they headed back to their building after learning it would soon be locked down until the storm has abated. "Once the storm actually comes in, I'm sure we'll feel differently.?

More content from NBCNews.com:

Follow US news from NBCNews.com on Twitter and Facebook

Source: http://usnews.nbcnews.com/_news/2012/10/29/14784392-the-stay-behinds-residents-tell-why-they-ignored-mandatory-evacuation-edict?lite

horsetail falls ice t downton abbey new york knicks president day lin j.r. smith