Saturday, June 23, 2012

What is the Credit Card Act? How Will This Affect ... - Faith and Finance

Credit Card Law Changes- Mike Sullivan, Director of Education at Take Charge America, discusses credit cards and how the law are changing with the ?Credit Card Act?. These changes mean there will be no more sudden interest rate changes, no more double cycle billing, and no more universal default. To find out what that means and more, watch this informational video.
Video Rating: 4 / 5

Question by Amber May ?: Does anyone know of any GOOD, reputable Philadelphia Credit Counseling Services?
I am a recent college student with loans and credit cards to pay. I?m very confused about the whole process, and am looking for some guidance. I am also a couple payments behind, which I know is NOT GOOD. I?m starting to get phone calls, and I just want to get back on track. Any ideas?
I live in Philadelphia, PA. Anything in the area would be appreciated.

Best answer:

Answer by Olga
beware of those. they pretty much charge to tell you what you can figure out yourself by reading up on the internet.

Add your own answer in the comments!


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Friday, June 22, 2012

Benefit From The Personal Finance Knowlege That Is Provided

Few topics have the sort of impact on the lives of individuals and their families as that of personal finance. Education is essential if you wish to make the right financial moves to ensure a secure future. By using the tips contained in the article that follows, you can prepare yourself to take the necessary next steps.
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Start bringing your own lunch to work everyday. People often waste so much money by going out to eat during their lunch break at work. By simply making and bringing your own lunch, you'll be saving significant amounts of money, every single week.

To have to best personal finances you should look for every opportunity to save money. There are countless ways to cut back on your expenses, which will lead to having more money to save each month. You can save money on your groceries, internet service and phone services, by only looking into better prices and rates.

Think about starting your own business if you have free time on your hands.

You would benefit from interesting tax rebates and perhaps make a good profit once your business is established. Look for an activity that corresponds to your skills and interests and find out more about setting up a business.

Learn to cook a few dishes from your favorite cuisine. When you have a craving for Lasagna, Pad Thai or Fajitas, you can pick up the ingredients yourself and cook the meal for a fraction of the cost of ordering it in a restaurant. Make more than you need and pack it for lunch the next day.

Protecting your financial records is important. These days, keeping a digital copy of them is a great idea. Take the time to scan your most important documents, and always save the financial information that you receive online. Once you have your records in an electronic format, burn them to a few CDs. You can keep one for yourself and give another to a friend or relative for safe-keeping.
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Always make sure you are saving at least some money. Even if you can only put one dollar each paycheck in savings, the act of saving something can inspire you to save more next time. As your savings gradually grow, your sense of accomplishment will also grow and create a feeling of satisfaction.
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Does your grocery store offer gift cards? You might not have realized it, but you can use these cards to budget your food purchases better. After you have decided how much you want to spend on food for the month, buy a gift card for that amount. Every time you use it, you'll be able to see how well you are sticking to your food budget.
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If you love to go out to eat, research some of the gift card deals that are available on the web. Some of these deals allow you to get a gift card for a fraction of the cost, which can allow you for a night out on the town without breaking the bank.
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Try saving money on your food budget by planning out your meals ahead of time. If you plan out your meals at least a week ahead, you will only buy the ingredients you need from the store. This can help you to avoid overspending on each shopping trip, in order to maximize your monthly savings.
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A great personal-finance tip is to seek for professional debt consulting services when you think you're over your head. These services are often free and can help you significantly. It's never a good idea to put off financial issues and just assume everything will work out by itself.
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Look at your employee benefits and maximize the personal finance opportunities that may be there. Your employer may have a 401(k) plan available to employees. There may be the option for you to pay healthcare through pre-tax dollars. There may even be corporate discounts available to you for your cell phone bill! Read through every opportunity and take advantage of as many as you can.
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Personal finance is something that has been the source of great frustration and failure for many, especially in the mist of the challenging economic circumstances of recent years. Information is a key factor, if you want to take the reins of your own financial life. Apply the ideas in the preceding piece and you will begin to assume a greater degree of control over your own future.

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Thursday, June 21, 2012

Defense abruptly rests without calling Jerry Sandusky

Jerry Sandusky was expected to take the stand Wednesday, but his defense team ? who suggested that Sandusky's accusers were motivated by money ? had a different strategy. NBC News' John Yang reports from Bellefonte, Pa.

By Kimberly Kaplan, NBC News, and M. Alex Johnson, msnbc.com

Updated at 6:55 p.m ET: Lawyers for Jerry Sandusky abruptly rested their case Wednesday morning without calling the former Penn State University assistant football coach to the stand.

Kimberly Kaplan of NBC News reported from Bellefonte, Pa. M. Alex Johnson is a reporter for msnbc.com. Follow M. Alex Johnson on Twitter and Facebook.

It was an unexpected end to the defense phase of Sandusky's trial on 51 counts alleging that he abused 10 boys over 15 years.

Without explanation, defense attorneys requested a recess during testimony from one of their own witnesses. Then ? after an unusually long break during ,which both legal teams joined the judge in his chambers amid speculation over whether Sandusky would take the risky step of testifying ? defense attorneys said they were done.

The prosecution offered no rebuttal witnesses. Court was adjourned until Thursday morning, when closing arguments were scheduled.


NBC's chief legal correspondent Savannah Guthrie examines the Jerry Sandusky trial.

The defense decision came after the witness, David Hilton, 21, reacted with surprise when he was asked whether he knew that his uncle had called the defense team Tuesday night. Sandusky attorney Karl Rominger then asked for a recess.

Hilton was testifying that he spent a lot of time with Sandusky as a youth. He said he spent many nights at the Sanduskys' home but that nothing inappropriate ever happened.

It wasn't the only surprise on the seventh day of Sandusky's trial in Bellefonte, Pa. Judge John Cleland announced as court opened that one of the jurors had taken ill and was being replaced by an alternate.

Then, he announced that lawyers for both sides had agreed to stipulate that the Pulitzer Prize-winning journalist who broke the Sandusky story had helped the mother of one of Sandusky's alleged victims find an investigator.?The defense contends that investigators and journalists in Pennsylvania started with the premise that Sandusky was guilty of abusing young boys and ignored evidence of his innocence.

The reporter, Sara Ganim of the Harrisburg Patriot-News, who broke the news that a grand jury was investigating Sandusky, was called under subpoena by the defense. The newspaper sought to quash the subpoena, citing Ganim's right to protect her sources, but Cleland turned down the motion.

Full coverage of the Jerry Sandusky trial

Legal analysis: Faltering defense hurt Sandusky

Ghosts of Sandusky's dreams haunt home where charity was born

Sandusky 'Rock Center' interview provides rare look at former coach's view

After a conference at the bench at which lawyers for the newspaper sought to keep her off the stand, Cleland told jurors that Ganim had been called to answer questions about whether, "prior to charges being filed in the case, she contacted the mother of an alleged victim and provided her with contact information for an investigator in this case."

Cleland said the legal teams had stipulated that "the answer would be yes."

Ganim remained in the courtroom, where she could be heard vigorously disagreeing with the stipulation agreement between the prosecution and defense teams.

Ganim later told her newspaper: "For the record, I would not have answered yes to that question. I would have declined to comment under the Pennsylvania Shield Law.''

The revelation that Ganim ? who won widespread acclaim and journalism's highest honor for her pursuit of the Sandusky allegations ? may have interjected herself into the story as a participant goes to the heart of one of the defense's primary arguments: that Sandusky was being steamrollered by institutional forces oblivious to evidence that he might not be guilty.

"There are a lot of forces at work pushing this forward," Sandusky attorney Joseph?Amendola told Cleland during the subpoena arguments Tuesday.

The defense has already demonstrated, through testimony and audio of a police interview with one of the alleged victims, that investigators at times told potential witnesses that there were other victims in the case, which the defense contends tainted their testimony.

Jurors also heard from Jonathan Dranov, a friend of the family of Michael McQueary, the former Penn State assistant coach who testified last week that he saw Sandusky in a football locker room shower with a young boy.

McQueary testified said he didn't explicitly see any intercourse, but he said he had "no doubt" that it was occurring because of the relative positions of Sandusky and the boy and the sounds they were making.

Dranov said he was present at a conversation at which McQueary recounted the alleged incident, concurring that McQueary didn't describe having directly seen any sex act.

"I kept saying, ?What did you see?'" Dranov testified. "Each time, he would come back to the sounds. It just seemed to make him more upset, so I backed off that."

More content from msnbc.com and NBC News:

Follow US News on msnbc.com on Twitter and Facebook

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Friday, June 15, 2012

Internet Marketing Tips: How To Make Money With Emails [Part 1]

Introduction

Ask any experienced online marketer, and they will tell you that the most important thing you can ever do when you are building an online business is to create e-mail mailing lists.

In the beginning, every name on any list you build will be that of a prospect, but once you know how to work that prospect mailing list properly, you will quickly start to turn some of those prospects into customers.

No matter what kind of online business you are running, it is important to understand that there is a vast difference between making money online and building your business.

For example, many people who decide that they want to earn an income from the internet begin their moneymaking journey without a product or service of their own to offer to potential customers.

Consequently, they start their business doing something like promoting products as an affiliate marketer or by featuring paid advertising on a webpage.

In both of these situations, the marketer concerned might be making? money but they are not building their business, because at the very heart of the business building concept is the ability to collect information from internet users who take a specific action to give you permission to send them additional information in the future. In this case, the specific action that you need to ask them to take is to subscribe to your prospect mailing list.

When people have chosen to subscribe to your prospect mailing list, they have made a small commitment to your business. However, at this juncture, they have not made a commitment in the most important way, which is by spending money with you.

By using the tactics and strategies that you?ll read of in this manual, you will be able to convince some of your prospects to spend money with you, and when they do so, they become your customer.

The commitment that they have now shown to your business is far greater and more important, for several reasons.

Firstly, they have demonstrated that they are happy to do business with you. This is important because every business person (whether operating online or offline) wants to build a list of loyal customers to whom they can sell products and services on a regular basis.

By becoming a customer, the individual concerned has indicated that they are willing to spend money on the internet. Through their purchase, they have given you an initial indication of how much money they are willing to spend, although as you will discover, you should not? be satisfied with this initial purchase as representing their ?price ceiling?.

The bottom line is, building a customer mailing list is building your business, and if you do not want to spend the rest of your life chasing new prospects every day, building your business is critically important.

This book is titled ?1 month to 1000 list members? for the reason that you are going to learn how to have a prospect mailing list of at least 1000 names in a month or less starting from scratch.

Let us therefore begin to consider how you would do this by looking at the essential ?nuts and bolts? of building your own mailing list.

Remember, if you want an automated method to build that grabs subscribers as soon as they enter or exit your site, then click here:

http://scrnch.me/gknd3

If you are going to invite commitment

The 5 essential steps

As suggested in the introduction, when people sign up for your prospect mailing list, they are making an initial commitment to your business.

In order for them to do this, there has to be a way for them to make this commitment by subscribing to your list. There need to be several essential resources in place before you begin with your list building efforts. You need to know what these resources are and more importantly, what their purpose is.

The first thing that you must have is a place where you can collect information from net users who visit. In other words, you need a webpage that people can visit and sign up for your prospect list.

You need more than a single webpage dedicated to collecting subscriber information. What you really need is a complete website that is focused on list building activities.

If you are planning to recruit 1000 list members in a month, then it should be clear that this objective must be the only focus you have for now. Consequently, your website should be similarly focused. In other words, you should not be offering products or services for sale from your website, nor should you be trying to earn a few cents here and there by featuring paid advertising such as Google AdSense.

Next, you need to add content materials (e.g. articles, videos, audio links etc) that provide a visitor who comes to your site with the kind of information that will convince them to subscribe to your list. You do this by adding content materials you know will be of interest to that visitor already, and in order to do this effectively, you have to target the visitors that you bring to your site.

For example, if you decide that you want to build a website that focuses on dog training, then everything about the site should be constructed with people who are interested in dog training in mind. You have to bring dog training people to your site, and you would do this by publishing dog training related advertising and promotional materials.

Consequently, anyone who comes to your site has already indicated their interest in dog training by visiting you. The content materials that you add to your pages must give your visitors the information that they need, that is, dog training information.

Next, you need to have something on that page that the visitor can use in order to make their commitment to you. So, the third essential is a mailing list subscription form.

The fourth thing that is required is a ?back office? system that is set up to deal with new list subscribers. Ideally, this system should be fully automated, so that every new subscriber is dealt with in the same way.

The fifth and final thing that you need is visitors to the page or pages of your site from where they will be able to sign up for your mailing list.

While it is not directly related to list building, you should never underestimate the crucial importance of driving visitors or website traffic to your mailing list subscription page.

In fact, most experienced marketers would tell you that knowing how to generate web site traffic is probably the most important skill any would ? be online entrepreneur can ever learn, because without visitors, your site is dead in the water from the very beginning.

You could have a site giving away free Ferraris, and no one would ever take advantage of your offer if you have done nothing to make sure that your offer is put in front of them.

We will now begin to analyze each of these steps in more detail.? For the best automated way to build your list, we use this software:

http://scrnch.me/gknd3

Step 1 ? You need a web page to subscribe visitors from

When you initially decide to build a website, the first choice that you have to make is whether you want to spend a little money on creating your site, because it is possible to build a site without spending anything at all if that is your choice. As you might expect, there are pros and cons attached to both approaches.

If you use a free website building resource (like hubpages.com), it is not going to cost you any money. Moreover, it is generally possible to build a free site quickly and easily, meaning that you can be in business in the minimum amount of time.

However, there are a significant number of powerful downsides to using a free site building resource.

Firstly, many of the free site building resources like hubpages.com subsidize their free service by placing advertising materials on your site.

Consequently, every time a visitor comes to your web pages, you will be advertising somebody else?s products or services to them, and this will detract from the effectiveness of your list building efforts.

The second negative factor associated with using a free web hosting and site building service is the impression that doing so will give to your site visitor. Most of your visitors will immediately recognize that you are using a free resource, and this doesn?t present a professional approach to anyone who realizes that your business site is free.

Most sites built using free site builders are of very poor quality and visually unappealing as well (okay, this is a ?spoof?, but the creator believes the same thing!).

The bottom line is, the majority of free site building and hosting resources are going to give your site visitors completely the wrong impression of your business, and consequently, using them to save money is a false economy.

Perhaps the only free service that is worth giving serious consideration to is Google?s blogger.com. While anyone who is used to working online will recognize a blogger.com URL as being that of a free site building resource, sites created at blogger do have a certain degree of credibility.

You can put this credibility down to two different factors.

Firstly, the service is owned by Google and that gives it a high degree of respectability. Secondly, if you create a mini-site using blogger, there are no third-party advertising materials on your page and the page itself looks a lot more neat and tidy and more professional if you like than the one you looked at a moment ago:

It is nothing particularly exciting or dramatic, but it does the one essential thing that your website must do in order to attract visitors.

In order to get people to visit your site, you must be giving them the information that they want because the vast majority of people who use the net do so to gain access to the information that they need. Hence, unlike the free site that we were looking at a little earlier, you do not need flashing lights, irritating music and the world?s biggest collection of bells and whistles.

All you need is a site that features free information on every page, plus the promise of a great deal more information of the same type if a visitor subscribes to your mailing list.

While using blogger to build your website is probably the best free option, it is still far more professional to have a website published under your own domain name and hosted on your own web hosting account.

Creating a framework for such a site (i.e. registering a domain name, setting up web hosting and finally tying the two together) is less than 30 minutes work, and the total initial outlay will be less than $20 (although you will have to pay a hosting fee every month).

The first thing that you need to do to register your domain name is to visit a domain name registration site like The Internet Company. Type the domain name that you are interested in registering into the appropriate box on the homepage, and then hit the ?Search? button.

If the domain that you have searched is available, go ahead and register it.

But given that every domain name is unique, it may be unavailable, in which case you need to come up with an alternative before running the same check again. You may have to do this several times, but when you eventually find a domain name that suits your business, go ahead and register it.

Next, head on over to Hostgator.com to register for a cheap Baby? shared hosting account. This account offers everything you could ever need in the early days, and it is therefore perfectly adequate for the time being (but do remember, hosting fees are a regular commitment).

Finally, you need to ?point? anyone who types your new domain name into their web browser at your newly established hosting account. You will find complete instructions for this operation (look for the Flash ?Change the DNS? videos) about two thirds of the way down this Hostgator support page.

While you will not find specific instructions related to The Internet Company listed, check out any of the Flash videos listed as the DNS change over process is fairly standard.

You now have the framework of your own site in place, so the final step is to set your site up so that you start adding content materials (i.e. information) and appropriate list subscription forms to it. You are going to start building your site, and there are different ways you can do this.

However, given that there is no sense in making things more complicated than necessary and that the sole objective of your site is the provision of information and collection of e-mail details, you do not need a fancy website building program or in-depth knowledge of HTML.

What you do need to do is to go into your hosting account to open the cpanel, which is the site control panel used by Hostgator and many other leading web hosting companies. Scroll to the bottom of the cpanel page, and you should see the icon for ?Fantastico De Luxe? near the bottom of the page under the ?Software / Services? section.

Click on ?Fantastico? and you will be taken to a list of preinstalled software programs that can be activated in less than five minutes. Near the top of the list, you will find WordPress listed under ?Blogs?.

Click the link, look for ?New Installation? on the next page and complete the information on the page after that to finish the installation.

After you have done so, you will have a brand new website the homepage of which looks like this.

Okay, once again, this is clearly not very exciting or informative and the site?s appearance has little or nothing to do with the topic or subject matter around which you are going to build your site.

However, there are literally hundreds of free WordPress themes (i.e. site templates) available on dozens of sites that you can download and install on your site completely free, so the first thing you should do is search for a suitable theme to match your site topic. Try searching Google for ?free WP themes? or something similar and you will quickly see that there is no shortage of free materials available:

It may be that a free theme you download will come with installation instructions, but if not, there are generic installation instructions on the WordPress site itself (click this link). In order to add the new theme to your site, you will need to upload it your web hosts server, and in order to do this, you need an FTP client software program. If you do not have one, you can download a free version of Core FTP, and install it on your computer so that you can finalize the upload.

With the theme changed (and continuing to use the dog training thing mentioned earlier), the ?Testing? site now looks far more appropriate (and remember, this is using a completely free theme).

To build your list using the best list building software online, check this out:

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Step 2 ? Adding content

The next step is to start adding content materials to your site, the kind of information that people who visit will want to read or watch. The objective of this content is to convince your site visitor that what you have to offer has enough value to persuade them to allow you to send more of the same via e-mail.

Consequently, the content you add to your site has to have quality and value, otherwise it is not going to serve the purpose required.

In an ideal situation, you would therefore write all of your articles and create videos yourself because it is unique content that is most appreciated by both your visitors and by the search engines.

In reality, populating the whole of your site with unique materials is going to take some time, and you only have one month to build your mailing list. As a result, you?re going to have to get a little ?creative?.

Nevertheless, the first thing you should do is to write some articles of your own for your site. However, although you cannot copy other people?s work and claim it as your own (that is plagiarism and illegal),

there is no copyright on ideas or information. There is therefore nothing wrong with reading other people?s materials and then rewriting them in your own words before adding them to your site as original content.

One thing that you should ensure when you are adding new content to your recently created site is that every article you post should be added to a new page.

In WordPress, you would do this after logging into your dashboard by using the wp-admin URL (i.e. YourDomain.com/wp-admin), clicking on the ?Write? and ?Page? links at the top left hand side of the page.

The importance of doing this lies within the fact that if you do not do this and follow the ?Write?, then ?Post? links as most people do, you end up publishing every article on the same page, which is not a great idea.

With Blogger, the default setting is to add each article to a new page, but you may want to check from the ?Settings? and ?Archiving? tabs.

Having every article that you publish appear on the same page is not the best way of going about building your site. For example, if you only have one page, then you can have no internal link network, whereas if every article is published on a separate page, you will have such an internal network. This makes your site appear stronger and better structured as far as the search engines are concerned, and enables you to send visitors to many pages on your site, instead of just one.

In order to continue populating your site, no matter what your subject or topic is, you will be able to find lots of appropriate articles which you can rewrite on the major article directory sites like EzineArticles.

In order to populate your site is quickly as possible, there is another thing you can do while visiting. Find other articles in your niche by using the search box at the top of the EzineArticles home page.

Click on the title of any article that you think might be appropriate to your site, and then click on the ?Ezine Publisher? link on the far right next to the article title.

Download the article of your choice and then paste it onto your own site page. As long as you leave the original author information intact, this is an acceptable tactic for populating your site in double quick time.

You can also find appropriate videos from a site like YouTube by searching the site using your primary search term (?dog training?), locating the ?Embed? code before copying it, and pasting it on to your webpage.

In this way, you can quickly populate your site with valuable contents, the kind of materials that your visitors will want to read and watch.

You might think that this is all a waste of time, as your main objective is to get visitors to sign up for your mailing list, but you could not be more wrong.

If there is nothing on your site worth staying for, visitors will take a very quick glance and then close your page, never to return. You have to give them a reason to think about signing up for your mailing list, and part of that reason is the quality of the content on your pages.

It is not the full reason why they would subscribe to your list, but this is something we will investigate further in the next section.

Before moving on to the next step, there is one final thing you need to do. That is, you need to add a separate page to your site that features no content whatsoever, and has only one objective.

Remember, instead of building a list the hard way, we use this and get hundreds of subscribers a day:

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Rental revival could spur sluggish housing market

Courtesy of Mike Broermann

This two-bedroom rental loft in San Francisco can be yours for $7,500 per month. Click for more images.

By Bill Briggs

Complain, if you must, about that loftier monthly apartment payment, but those rising rents may help rekindle the chilly U.S. housing market, according to a new report.

Falling home prices and record-low mortgage rates have failed to do much to entice a fresh flock of buyers, keeping the housing market largely dormant. Although home sales and prices rose in April and the market appears to have bottomed in many areas, foreclosures and underwater homes appear likely to keep activity depressed for years to come.

To the rescue, perhaps: an invigorated national rental market. As the housing market has tanked, young adults increasingly have turned to the rental market. Last year alone the number of renter households grew by 1 million -- the largest such boost since the early 1980s. That has caused rents to edge higher across the country, says an?analysis?released today by Harvard University?s Joint Center for Housing Studies.

?I would think that with rents rising, this would be an incentive (to purchase a house) for those renters who have been holding off but who eventually planned to buy,? said Dan McCue, research manager at the Joint Center for Housing Studies.

Courtesy of Mike Broermann

The view from a $7,500-a-month San Francisco rental unit. Click for more images.

The rental market is in the midst of a ?sharp turnaround,? says the Harvard report. Nationally, apartment vacancies declined from 10.6 percent in 2009 to 9.5 percent last year ? the lowest vacancy rate since 2002. Vacancy rates fell in two-thirds of America?s 75 largest metro areas last year.

Typically, adults under age 25 comprise the bulk of the U.S. renter population. But the 25-to-34-year-old crowd is driving the latest uptick, accounting for 645,000 new, rental households between 2006 and 2011, the Harvard researchers found.

Rental inflation was ?evident in all regions,? but cities in the Northeast posted the largest collective increase ? 6.5 percent ? while rental rates in western U.S. cities bumped 5.2 percent higher in 2011, according to the report.

Renters in the San Francisco area were among the hardest hit, with rents up 11 percent last year.

Live Poll

Rent or own?

  • 185849

    I rent, with no plans to change.

    23%

  • 185850

    I rent, but am looking to buy in the next few years.

    21%

  • 185851

    I own my home -- for better or worse.

    52%

  • 185883

    I'm still living with Mom and Dad.

    4%

VoteTotal Votes: 281

?Definitely, at the end of last year, all of the (rental) supply shrank here. So now I?m getting crazy prices ? like a one-bedroom, 1,000-square-foot loft that?s renting for $3,900 a month,? said Mike Broermann, principal and broker with the San Francisco-based real estate firm Group MB.

A year ago that apartment would have rented for $3,200, Broermann estimated. Such sticker shock is likely to induce more San Francisco renters to consider purchasing instead, Broermann said.

?If you?re paying $4,000 for a one bedroom, you might consider buying a place,? Broermann said.

As evidence, he mentioned a 1,000-square-foot loft in a ?reputable building? listed three weeks ago for $699,000 that already has drawn three bids. At current mortgage rates, and with 20 percent down, monthly principal and interest payments on the property would be under $2,700.?

?I haven?t seen multiple offers in years. In fact, sales haven?t been this strong in six or seven years,? he said. ?Really, it?s the lack of supply in both sectors" ? rentals and existing homes ? that?s now fueling the San Francisco housing market, he said.

Of course, the Bay Area market is unique for its close ties to the high-tech industry, which is undergoing a new boom with the explosion of new-generation Web and social media companies led by Facebook.

Nationally, the available stock of homes listed for?sale was down 20 percent last month compared to a year earlier ? or 1.88 million homes total, Realtor.com reported Wednesday. Sales of existing-homes rose 3.4 percent from March to April according to the Realtors group.?

Still, the housing market continues to flash mixed signals, indicating that if a true resurgence does take hold, it will accompanied by some ragged and rough moments. New data released Thursday by RealtyTrac showed?that foreclosure filings increased by 9 percent in May.?

But that bleak report won't slow some of the fresh housing speculation spreading through the Bay Area as young tech tycoons look to invest their new riches into swanky homes.?

'Now, with Twitter and the Facebook, I?m meeting a lot of 25-year-olds who say, ?Hey I?m worth $2 million just yesterday, so I should buy a place, right?? These kids are cashing out and thinking about buying places,? Broermann said. "That (attitude)?has a secondary effect (on other prospective buyers, including many renters) who think - oh, everything?s going to boom, all these kids are going to have money, these places are going to worth more. So people are trying to beat them to buy places."?

More from msnbc.com business:

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TODAY real estate expert Barbara Corcoran shows us how the other half lives, peeking into homes on the market that have been occupied by such celebrities as Zsa Zsa Gabor, Claire Danes, and Dwayne "The Rock" Johnson.

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Friday, June 8, 2012

Franciscan Friars Back Leadership Conference Of Women Religious (LCWR) Against Vatican Crackdown

(RNS) The brothers have come to the sisters' defense.

Leaders from the seven Franciscan provinces in the U.S. publicly backed a group of American nuns on Thursday (June 7), calling a Vatican crackdown on the women "excessive."

The Franciscan friars are believed to be the first Catholic religious order to voice support for the Leadership Conference of Women Religious since the Vatican announced a full-scale makeover of the group in April.

The Vatican said the LCWR, which represents most of the nation's 57,000 nuns, does not adequately advocate against gay marriage, abortion and women's ordination.

The Vatican's "doctrinal assessment" also faulted the sisters for sponsoring conferences that featured "a prevalence of certain radical feminist themes incompatible with the Catholic faith."

Noting that many members of LCWR belong to female Franciscan orders, the friars pledged solidarity with the sisters and called the Vatican assessment "excessive, given the evidence raised."

The sisters have been wrestling with complex contemporary issues, the Franciscans said, and those deliberations should not be equated with disobedience to Catholic doctrine.

"The efforts of LCWR to facilitate honest and faithful dialogue on critical issues of our times must not result in a level of ecclesial oversight that could, in effect, quash all further discernment," the Franciscans said.

Catholics since the Middle Ages have disagreed about how to apply church doctrine to public policy, the friars argued, and seldom were those disputes deemed "equivalent to questioning the authority of the Church's magisterium."

Many church observers suspect the Vatican crackdown was at least partially a response to prominent Catholic sisters' support for President Obama's health care overhaul, despite bishops' objections.

"Rather than excessive oversight of LCWR, perhaps a better service to the people of God might be a renewed effort to articulate the nuances of our complex moral tradition," the friars said.

The LCWR itself has called the Vatican's assessment "unsubstantiated" and a source of "scandal and pain."

LCWR leaders will meet on June 12 in Rome with Cardinal William Levada, the former archbishop of San Francisco who now heads the Vatican's doctrine office, the Congregation for the Doctrine of the Faith.

Also on HuffPost:

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Video: Battle of the Mobile Maps

CNBC's Jon Fortt reports the cozy relationship between Apple and Google may be coming to an end as the battle for mobile map users heats up.

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Monday, June 4, 2012

Home Improvement: Kitchen Improvements | Home and Business ...

You give conceive that the age of kitchen doors are made from MDF and are vinyl enwrapped. This appendage is mainly because it is very cost economical than purchase coagulated wood doors. I am exploit to vindicate how these Medium-Density Wallboard (MDF) doors are made.

Your new equal kitchen doors begin gift move off as one tack of 2600mm by 2000mm MDF, the thickness existence 18mm. The business of your doors faculty mortal thousands of these MDF sheets which are ripe laminated with a club cereal outcome or black melamine impressible ? oft victimized in offices and schools. The alkali impressible tiled sides give be the backs of the doors.

Firstly the MDF sheets are set melamine tiled surface consume low a machine limited tool ripe to be routed. The desired filler is then signaling in the machine. Any size of entryway can be prefab, not honorable regulation sized doors, for information the superlative of your entry is 710mm and

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Looking For Help In Repairing Your Credit? Check Out These Tips ...

[unable to retrieve full-text content]Looking For Help In Repairing Your Credit? Check Out These Tips. Saturday, June 2nd, 2012 at 10:52 pm. Carefully read the small print on your statements. Double-check every charge, to make sure that everything is accurate and you were ...

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Home Improvement Maryland ? Uefa Champions League Live ...

Maryland Home Improvement Commission ? Division of Occupational and Professional Licensing.The Maryland Home Improvement Commission licenses and regulates home improvement contractors, subcontractors and salespersons.Home improvement work includes alteration, remodeling, repair or replacement of a building or part of a building used as a residence.Home improvement also includes work done on individual condominium units.Home improvement does not include work done on commonly owned areas of condominiums or buildings that contain four or more single family units.The Commission investigates complaints by homeowners, awards monetary damages against licensed contractors, and prosecutes violators of the home improvement law and regulations.This Fund compensates homeowners for actual monetary losses due to poor workmanship or failure to perform a home improvement contract.Your Home Improvement Maryland and Virginia Contractor.Our Virginia and Maryland home improvement business can help you make over your home with upgrades both large and small ? from adding an entire room to installing a single door.Our home improvements in Virginia and Maryland are designed to withstand the elements of the harsh Northeast winters and hold up for many years to come.Virginia Home Improvement Contractors, Services, Tips & Ideas.Maryland, Washington DC, Virginia Home Improvement Contractors, Services & Ideas Find the Best Remodelers & Companies Here!.Welcome Home Washington is your local searching source for proven Maryland MD , DC, and No.Virginia VA home improvement businesses & services.Find home design ideas & answers from articles & featured companies.Get started: find home improvement professionals & more info by the using the keyword box or clicking the categories listed below.

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Sunday, June 3, 2012

Blue Jays player at mall when shots fired

Police set up a perimeter outside the Eaton Centre shopping mall in Toronto, Saturday, June 2, 2012. Panic broke out at the Eaton Centre Saturday after shots were fired at the downtown mall packed with weekend shoppers. (AP Photo/The Canadian Press, Victor Biro)

Police set up a perimeter outside the Eaton Centre shopping mall in Toronto, Saturday, June 2, 2012. Panic broke out at the Eaton Centre Saturday after shots were fired at the downtown mall packed with weekend shoppers. (AP Photo/The Canadian Press, Victor Biro)

A couple hugs as a police officer questions a man outside the Eaton Centre shopping mall in Toronto, Saturday, June 2, 2012. Shots were fired at Toronto's downtown Eaton's Centre Saturday evening. Police are confirming one person has died. (AP Photo/The Canadian Press, Victor Biro)

Police walk up Yonge Street outside the Eaton Centre shopping mall in Toronto, Saturday, June 2, 2012. Shots were fired at Toronto's downtown Eaton's Centre Saturday evening.(AP Photo/The Canadian Press, John Chidley-Hill)

Emergency personnel wheel a shooting victim towards an ambulance for transport to hospital outside the Eaton Centre shopping mall in Toronto, Saturday, June 2, 2012. Panic broke out at Eaton Centre Saturday after shots were fired at the downtown mall packed with weekend shoppers. (AP Photo/The Canadian Press, Toronto Star, Rick Madonik) TORONTO OUT; ONLINE OUT

TORONTO (AP) ? Toronto Blue Jays third baseman Brett Lawrie said Sunday that he narrowly missed being in the area where a gunman fired shots in a crowded food court in one of Canada's busiest malls, killing a man and injuring seven others.

Police said the shooting on Saturday at Eaton Centre in downtown Toronto targeted one individual and there were a number of innocent bystanders in what they think might be a gang related shooting. Police said seven people were shot in all, including a 24-year-old man who was killed in a hail of bullets and a 23-year-old man who remains in critical condition.

Det. Sgt. Brian Borg said a 13-year-old boy who was visiting Toronto and shopping with family members was shot in the head but has been upgraded to stable, but critical condition. He said a pregnant woman who went into labor after being trampled in the rush to get out of the mall has not yet given birth. He said she is doing well.

Borg said they believe the dead man had gang affiliations. He was known to police. Police think they know who the suspect is but Borg declined to provide a name at this point. Borg said security footage has been particularly helpful. He said there was one gunman and no exchange of gunfire.

"I'm very confident we are going to make an arrest very soon," Toronto Mayor Rob Ford said.

Police removed the shooting victim's body early Sunday morning.

Lawrie was one of the first to break the news on Twitter on Saturday evening. He had gone to the mall with a friend shortly after the Blue Jays lost to the Boston Red Sox in a Saturday afternoon game.

"Pretty sure someone just let off a round bullets in eaton center mall ... Wow just sprinted out of the mall ... through traffic," Lawrie tweeted. "People sprinting up the stairs right from where we just were ... Wow wow wow."

He later tweeted that he was "Rattled right now."

On Sunday, Lawrie said he felt lucky because he left the food court 10 seconds before the shooting.

"It was instant panic," Lawrie said before Sunday's game against the Red Sox. "It was as if you stepped on an ant hill and then everyone just flooded out of the place. ... I just got out of there as fast as possible. I was the first person out of there."

Lawrie said he wanted to get the news out fast.

"I just thought I'd give it out there just to anybody that could have been in the mall or anybody that needed to get there ASAP, I thought I could give them a good piece of information," he said.

Lawrie, a Canadian, said he never thought something like that could happen at the Eaton Centre, a Toronto landmark that is popular with tourists.

Toronto prides itself on being one of the safest cities in North America. Many Canadians have long taken comfort in the peacefulness of their communities and are nervous about anything that might indicate they are moving closer to their American counterparts.

Marcus Neves-Polonio, 19, was working in the food court when he saw a man pull out a gun and start firing. At least two people were on the ground, he said. Erica Solmes, who manages the McDonald's in the mall's food court, said she heard about 15 shots ring out before a stampede of people made a dash for the exits.

"Any place for discharging a firearm in Toronto is dangerous. In the food court of the Eaton Centre on a Saturday evening, it's not only dangerous, it's outrageous," the police chief Blair said. "I believe every Torontonian is shocked and appalled by this crime."

In 2005, a 15-year-old girl was killed during the Christmas holidays just north of the mall in a shooting that shocked the city during a year of record gun deaths in Toronto. In that case, Toronto teen Jane Creba was shopping with family on busy Yonge Street when she was caught in the crossfire of a shootout between rival gangs.

"Today harkens back to that terrible moment," Toronto Police Chief Bill Blair said. "I am very sadly reminded of that. That was one of the most tragic and shocking events that ever took place in Toronto."

Officials said the mall and its parking garages will remain closed Sunday while police continue the investigation.

Associated Press

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New Drugs May Help Immune System Fight Cancer | FOX2now.com ...

CHICAGO (CNN) ? Patients battling certain lung, skin and kidney cancers may benefit from a new type of cancer treatment that harnesses and boosts a patient?s immune system to shrink tumors, if early research pans out. Two studies outlining early research suggest a way to help T-cells ? the warriors of a patient?s immune system that fight off cancer or infection ? do their job. In one study, an experimental drug helped shrink tumors in up to a quarter of the patients with different cancers. In the other study, 6% to 17% of patients taking another experimental drug saw their tumors shrink significantly.

Both studies, which are being presented at the annual meeting of the American Society of Clinical Oncology (ASCO) in Chicago and also published in the New England Journal of Medicine on Saturday, explain that when two certain molecules are present, it renders the T-cell useless. T-cells hunt down cancer cells and destroy them. After a while, however, T-cells can start expressing a molecule called PD-1, which then can attract them to another molecule found on a tumor cell called PD-LI, explains Dr. Suzanne Topalian, lead author of one of the studies.

When these two molecules meet, it can render the army of T-cells useless. That?s because when the PD-1 and PD-L1 molecules connect, it ?creates a protective shield that shields the tumor from immune attack ? the T-cells will be turned off,? said Topalian, the director of the Melanoma Program at Hopkins? Sidney Kimmel Comprehensive Cancer Center.

In the first study, researchers used an experimental drug, with the working name BMS-936558, which is an antibody that blocks the PD-1 molecule. ?It functions to rescue exhausted T-cells and to enhance an anti-tumor immunity,? Topalian said.

Nearly 300 patients with advanced melanoma (a deadly form of skin cancer), colorectal cancer, non-small cell lung cancer, prostate cancer and kidney cancer participated in this phase 1 clinical trial, which is designed to test if a drug is safe. All of these patients had failed on at least one and up to five previous cancer treatments.

Patients were given this new drug once every two weeks for eight weeks. If after the first dose their cancer continued to grow or they got sicker, they didn?t continue with the trial. Fourteen percent of the trial participants had serious side effects and 5% of patients dropped out of the trial because of side effects.

Three patients died from complications of this treatment. Two lung cancer patients and one colon cancer patient developed severe lung inflammation called pneumonitis.

Topalian says in the course of the study, researchers learned how to better identify those who were at risk for side effects and also found better ways to detect problems early and treat them more effectively.

Of the remaining patients who were treated and had at least six months of follow-up, study results show the drug appears to work well in melanoma, lung and kidney cancer patients.

Twenty-six percent of the skin cancer either had their tumor completely or significantly shrink. Among the lung cancer patients, for which immunotherapy seemed elusive so far, 18% saw complete or partial regression of their tumors. Twenty-seven percent of kidney cancer patients saw their tumors shrink significantly.

The drug did not appear to help prostate or colon cancer patients.

Experts, including the study authors, are cautiously optimistic about the results, knowing that much larger studies need to be done to confirm the effectiveness of this new drug.

?This is eye-popping for renal (kidney) cancer,? says Dr. Nicholas Vogelzang, a prostate and kidney cancer specialist at the Comprehensive Cancer Centers of Nevada and spokesman for ASCO.

Dr. Mark Kris, a lung cancer expert at Memorial Sloan-Kettering Cancer Center in New York, who was involved in some of the research, says the approved lung cancer drugs given to patients who no longer respond to their first cancer treatment have a 7% response rate. ?So if you see something that has a response rate of 20% or 30%, that is really different from what we?re used to seeing in that population.

?So I think that?s what got people excited.?

In the second trial, also headed by another Hopkins oncologist, Dr. Julie Brahmer, researchers studied 207 patients with non-small cell lung cancer, melanoma, kidney, breast, ovarian, gastric, pancreatic and colorectal cancers. Patients with lung, kidney, ovarian and skin cancer saw a benefit because their tumors shrank significantly ? some even for more than a year after taking the experimental drug.

While neither trial shows whether patients will live longer because the research is so new, they both show that by shutting down the PD-1 and PD-L1 molecules, certain cancers may be stopped from getting worse ? at least for some time.

?It?s exciting to see this degree of anti-tumor activity from a single agent among patients with a range of cancers that had progressed despite standard therapies,? Topalian said.

Moreover, they may have found a way to find out which patients may benefit from these treatments before giving it to them. By looking at the tumors of 42 patients before getting treatment, when they found if the PD-L1 molecule was present, the drug worked well in 36% of the patients. If that molecule wasn?t present, there was no response.

Larger studies are planned, and both studies were funded by grants from Bristol-Myers Squibb, the National Institutes of Health and the Melanoma Research Alliance.

?

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President Obama Hosts Reception for Ford's Theater

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April Restaurant Index Above 100 For 6th Month - Ottoingram820's ...

?The outlook for the restaurant industry remained positive for the coming months, as the National Restaurant Association?s Restaurant Performance Index (RPI) stood well above 100 in April. The RPI ? a monthly composite index that tracks the health of and outlook for the U.S. restaurant industry ? stood at 101.6 in April, down 0.6 percent from the strong level of 102.2 registered in March. Despite the decline, April represented the sixth consecutive month that the RPI stood above 100 (see red line in chart above), which signifies expansion in the index of key industry indicators.

Although the Restaurant Performance Index dipped somewhat in April, it remained solidly in positive territory. Restaurant operators reported positive same-store sales for the 11th consecutive month, and a majority of them expect business to continue to improve in the months ahead.

?The Expectations Index, which measures restaurant operators? six-month outlook for four industry indicators (same-store sales, employees, capital expenditures and business conditions), stood at 102.2 in April ? down slightly from a 15-month high of 102.4 registered in March (see red line in chart). April also represented the eighth consecutive month that the Expectations Index stood above 100, which signifies a positive outlook among restaurant operators for business conditions in the coming months.?

MP: Further evidence of an improving outlook for U.S. restaurants is provided by Census data showing that sales for ?Food Services and Drinking Places? were up by 8.5% in April from a year earlier, following a 7.4% increase in March.? After being flat in 2008 and 2009, sales at ?food services and drinking places? are now 17% above the June 2009 level when the recession officially ended, and set a new record high of almost $44 billion in April (not adjusted for inflation). ?

Moreover, the retail sales at ?Full Service Restaurants? were up by 13.1% year-over-year in March following a 13.7% increase in February. The relevant data suggest that the restaurant industry has made a full recovery from the recession and is now operating back above pre-recession levels. Regardless of how consumers answer confidence survey questions, the strong improvements in restaurant sales and the RPI in recent months would indicate that tracking actual consumers spending on restaurant meals is reflecting a high level of consumer confidence.?

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3 Tips When Using Email Marketing | Online Success Articles

?

When used correctly, email is a great way to promote your business. You may see a significant increase in the number of your customers, and you may even get replies from your subjects.

However, when used incorrectly, your email may go directly into spam folders, and you end up wasting your time, money and effort. Not only that ? you will forever be labelled as a nuisance or nightmare of your very own valued past customers.

There are a number of ways to prevent this. It may be good to keep them in mind so as you can effectively use email marketing you?re your advantage.

Know what is too much. How often do you send emails? Sending multiple emails a day is a definite no-no. Not only does it give the impression that you are desperate for business, you also sort of imply that your recipients are so irresponsible that you need to remind them several times a day about what you?re saying! Try to be the ?friend? who is always welcome in every BFF?s house ? the one who knows her boundaries, and one who does not peer into all the host?s drawers and cupboards. Try to avoid sending emails every day, because a daily email is too hard-sell. Give your recipient time to think!

Generic emails ? no! Let?s keep it real ? sending one single generic message to 500 people may be the easier thing to do (don?t you just abhor those ?Dear Ma?am / Sir? messages? They don?t even know what the gender of their recipient is) because formulating a personalized message for each one is tedious, labour-intensive and time-consuming. Reality check : if you are marketing from the comfort of your air conditioned office or home, without labouring the normal way ? like weaving in and out through heavy traffic, or braving the intense summer heat, then you might as well sacrifice in some other way. Make your potential customers feel important, and avoid making them feel like you got their address from a website-purchased database.

Never send out clone emails which each girlfriend in an entire local women?s network can talk about.(translated: ?Hey, did you also get that tacky generic email from that ABC Party Ltd??). Do that and you might as well send your business down the drain. Not only is this lazy, it?s also impersonal. It gives the impression that you, as business owner will not tackle their purchase concerns personally too.

Get recipients involved. Make your customers feel important by giving them timely freebies. This way, they are ?encouraged? to make a purchase. A good example would be to give a weekly prize for whoever makes the best comment on your Facebook page.

Of course, you need to get the customer involved in your Facebook page by providing the proper link on your original email. Having extras such as prizes encourages your recipients to look forward to all your emails.

Email marketing is a good online alternative to offline publicity. Not only does it cost less, it can also be done by only one or two people. It may also be done in the comfort of your office, plus, results are much faster than traditional offline advertising

Michael Griffiths is the CEO and Founder of My Small Business Marketing Guru. Helping small business owners generate more leads, clients and increase profits with relationship based marketing strategies. We invite you to get your free black mask marketing resources to help you business grow today, when you visit http://www.mysmallbusinessmarketingguru.com.au

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Stay or go? Communities are eyeing retreat from sea

Years of ferocious storms have threatened to gnaw away the western tip of a popular beachfront park two hours drive north of Los Angeles. Instead of building a 500-foot-long wooden defense next to the pier to tame the tide, the latest thinking is to flee.

Work is under way to gauge the toll of ripping up parking lots on the highly eroded west end of Goleta Beach County Park and moving a scenic bike path and buried utility lines inland away from lapping waves.

Up and down the California coast, some communities are deciding it's not worth trying to wall off the encroaching ocean. Until recently, the thought of bowing to nature was almost unheard of.

But after futile attempts to curb coastal erosion ? a problem expected to grow worse with rising seas fueled by global warming ? there is growing acknowledgment that the sea is relentless and any line drawn in the sand is likely to eventually wash over.

"I like to think of it as getting out of the way gracefully," said David Revell, a senior coastal scientist at ESA PWA, a San Francisco-based environmental consulting firm involved in Goleta and other planned retreat projects.

Global issue
he issue of whether to stay or flee is being confronted around the globe. Places experimenting with retreat have adopted various strategies. In Britain, for example, several sites along the Essex coast have deliberately breached seawalls to create salt marshes, which act as a natural barrier to flooding.

In the U.S., the starkest example can be found in Alaska, where entire villages have been forced to move to higher ground or are thinking about it in the face of melting sea ice. Hawaii's famous beaches are slowly shrinking, and some scientists think it's a matter of time before the state has to explore whether to move back development.

Several states along the Atlantic coast have adopted policies meant to keep a distance from the ocean. They include no-build zones, setbacks or rolling easements that allow development but with a caveat. As the sea advances, homeowners promise not to build seawalls and must either shift inland or let go.

The problem with seawalls
Over the past half-century, the weapon of choice against a shrinking shoreline has been building a seawall or other defense. Roughly 10 percent of California's 1,100-mile coast is armored. In Southern California, where development is sometimes built steps from the ocean, a third of the shore is dotted with human-made barriers.

  1. More science news from msnbc.com

    1. Experts find credible calls from Amelia Earhart

      Dozens of previously dismissed radio signals were actually credible transmissions from Amelia Earhart, according to a new study.

    2. Stay or go? Communities are eyeing retreat from sea
    3. Scientific pioneers win $1 million Kavli Prizes
    4. CDC: No, the zombie apocalypse isn't coming

While such buffers may protect the base of cliffs, and the land and property behind them, they often exacerbate the problem by scouring beaches, making them narrower or even causing them to disappear.

This is one reason state coastal regulators in 2009 turned down a proposal by Santa Barbara County to fortify an eroding section of Goleta Beach park lashed by periodic storms. A rock wall was built as a temporary stopgap, but a long-term solution was needed. After the state rejected the construction of another hard structure, park officials, working with environmentalists, came up with a Plan B: Move gas, water and sewer lines out of the risk zone. Relocate a bike path to higher ground. Demolish 150 parking spaces and allow the acre of asphalt to be reclaimed by the beach.

Last month, the county Board of Supervisors gave the go-ahead for an environmental review. Work could begin next year if the $4 million plan passes other regulatory hurdles.

Push for relocation
Around California, relocation of coastal infrastructure and development is being pushed by the Surfrider Foundation and other environmental groups. But the efforts also are being driven by increased awareness of climate change. Sea level has risen by 7 inches over the last century in California. By 2050, it's projected to rise between 12 to 18 inches.

San Francisco is mulling a significant retreat on its western flank where the scenic Great Highway is under assault from the Pacific. Erosion has inched closer to the roadway each year, and the U.S. Army Corps of Engineers continues girding segments with broken-up rock, a costly temporary fix that has had limited success.

The San Francisco Planning and Urban Research Association favors mixing retreat with coastal armoring. City, state and federal agencies are considering the group's plan, which calls for moving segments of the Great Highway inland and allowing sand dunes to reclaim some of the paved-over space. The group also wants a temporary seawall to protect a sewer tunnel that's part of a multibillion-dollar sewage and storm water system expected to be affected by sea level rise while money is raised to relocate it in about 50 years.

Local vs. large-scale approach
South of San Francisco, the beach town of Pacifica has been an early adopter of planned retreat as it battles constant erosion. The city in 2002 purchased some homes that were at risk of falling into the sea and demolished them.

This summer, the city of Ventura is pressing ahead with its $4.5 million retreat. Last year, crews removed a disintegrating oceanfront bike path at Surfer's Point, a popular surfing spot, and built a new one farther inland. The beach was widened and cobblestone was put down.

Mark Gold, associate director at UCLA's Institute of the Environment and Sustainability, commended local efforts but thinks a large-scale approach is needed.

"It's definitely something that needs to be taken a lot more seriously," Gold said.

So far, most of the scaling back in California has occurred on public land. It's a harder sell for private property owners to take the same action unless beachfront homes are on the verge of being submerged. The state, however, has a built-in retreat: People who want to build new oceanside construction agree not to build a seawall if their homes become threatened in the future.

Charles Lester, executive director of the California Coastal Commission, said planned retreat is an attractive option in theory, but it's hard to execute in densely populated coastlines where there may not be room to move back. Still, he said it's a tool worth using where possible.

Just don't call it surrender.

"I don't think it's giving up. It's about making a smart, sustainable decision," said Gary Griggs, who studies coastal erosion at University of California, Santa Cruz.

More about ocean encroachment:

Jason Dearen reported from San Francisco.

? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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The Zombie Apocalypse Isn't Coming, the CDC Says

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