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.

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