The government?s consumer finance watchdog is investigating mortgage insurance deals between banks and the insurers American International Group Inc., MGIC Investment Corp. and Genworth Financial Inc.
View full post on New Mortgage Reviews
Source: http://valoansguidelines.org/2012/08/04/consumer-agency-probes-mortgage-insurance-deals/
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Las Vegas, NV (PRWEB) September 22, 2009
Independent music startup Mesa Sand Ventures, LLC, has announced the upcoming release of their first software product for independent songwriters and artists to manage their music catalogs, called SongManager for Bento.
?With the growth of indie music in film, television, video games and the like, it?s become more important than ever for independent artists and songwriters to have a strong handle on the data concerning their original songs,? says Mesa Sand?s CFO and software designer, Paul Bordenkircher. He describes SongManager for Bento as ?an affordable, feature-packed solution for independent songwriters to manage their song catalogs.?
About SongManager for Bento
SongManager for Bento is a personal database solution built on the Bento platform, from FileMaker, Inc. It allows a user to track a variety of information split into three main areas: Song Catalog, Contacts and Activity. The Song Catalog area tracks all items about each individual song, including key, tempo, lyrics, genre and style, and includes media fields to store up to 6 audio versions and 2 video versions. The Contacts area is used to log names and addresses of music industry professionals. The Activity area allows a user to track any activity concerning their catalog, such as pitches, linking Contacts to entries from the Song Catalog.
?Now, you can remember which songs you pitched to whom, and when,? Bordenkircher adds. The system will also link documents, such as publishing contracts, to the appropriate songs in the Song Catalog.
SongManager for Bento is scheduled to release in two versions. The Basic Pack includes the SongManager for Bento templates, a Getting Started Guide, User Manual, and a free 30-day trial of Bento. The Super Pack includes all the features of the Basic Pack, and also includes: 1) A nine-part audio series on pitching songs to film and TV listings, with evaluations of the most popular services, and 2) A list of more than sixty industry contacts, provided by The Music Registry (http://www.musicregistry.com), a leading company providing up-to-date contacts in the music industry through print and online services.
Both packs are available as a download only. Minimum system requirements include a Macintosh computer with an Intel, G5 or G4 CPU, 847 MHz and higher running Mac OS 10.5.4 Leopard with 512 MB RAM.
SongManager for Bento is scheduled to go live on October 5th on the product website at http://www.songmanagerforbento.com. The Basic Pack lists for $ 20; the Super Pack lists for $ 45. More information can be obtained at the product website.
The History of SongManager for Bento
Like many software solutions, SongManager for Bento was designed and built out over the last eight years from a personal need. ?My wife, CJ Borden, is a songwriter, and we continually struggled to put together something to manage CJ?s songs and what we were doing with them,? Bordenkircher comments. ?We just couldn?t find something to keep track of her music. It seemed other solutions either didn?t exist, or started at a five-figure price point, which is way out of financial range for most independents.?
When Filemaker, Inc., released their new personal database platform, Bento, the solution was finally near at hand. ?After many hours of programming and live testing on our own song catalog, we realized there?s probably thousands of other songwriters in the same position,? Bordenkircher notes. ?So we decided to release it as an affordable product for everyone.?
About Mesa Sand Ventures, LLC:
Mesa Sand Ventures, LLC is a forward thinking music, arts and entertainment company based in Las Vegas, Nevada. The principal mission of Mesa Sand Ventures, LLC, is to assist independent artists in the development, promotion and sale of their creative works.
Websites:
http://www.SongManagerForBento.com
http://www.MesaSandVentures.com
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The rise of the Rocky Mountains and the appearance of a major seaway that divided North America may have boosted the evolution of new dinosaur species, according to a new Ohio University-led study.
The finding, published today in the journal PLOS ONE, may explain patterns of evolution and migration of North American duck-billed and horned dinosaurs in the years leading up to their extinction 65 million years ago, said Terry Gates, a postdoctoral researcher with Ohio University's Heritage College of Osteopathic Medicine who is lead author on the study.
"Over the past century, paleontologists have found a wide variety of dinosaurs in rocks dating to around 75 million years ago, but right before the asteroid hit at the end of the Cretaceous, there appeared to be fewer species in North America," he said. "The reason for this discrepancy in dinosaur diversity has never been adequately explained."
Gates and collaborators Albert Prieto-M?rquez and Lindsay Zanno turned to the geologic record of western North America for possible answers. They examined trends in mountain and ocean formation during a period 80-70 million years ago, when there was an apparent explosion of dinosaur species, and later, when species became less diverse.
The record painted a picture of pronounced geological change.
During the early to middle Cretaceous, geological forces lifted the western United States, creating a huge mountain range (the Sevier Mountains) that extended in a line from the American southwest through Alberta, Canada. The area just to the east of the new mountain range flexed downward, creating a shallow North American seaway (known as the Western Interior Seaway) that flooded the continent from the Canadian arctic to the Gulf of Mexico.
This seaway cut the continent into three large islands to the north, east and west that were densely populated with dinosaurs. The dinosaurs of the west lived on an island known as Laramidia. Most fossil discoveries have been made in the area of the northern part of the island, in places such as Alberta, South Dakota and Montana, while dinosaurs have been found only recently in the former areas of southern Laramidia.
"Western North America has been a hotbed for dinosaur discoveries for more than a century," Zanno noted, "but the recent explosion of new dinosaur species coming out of Utah is sending waves through the paleontological community and revolutionized our understanding of dinosaur evolution on the continent."
The new discoveries have helped illustrate how dinosaurs evolved on an island with changing geography. The rise of the Sevier Mountains and the growing seaway caused dinosaur habitat to shrink on Laramidia. Later, one of the tectonic plates under North America's crust shifted position, building another mountain range?the Laramide Orogeny, or the infant stage of the modern-day Rocky Mountains?further east.
"At that time, it appears that geographic, as well as probably also ecological, barriers created by the rise of mountain ranges and the seaway caused isolation of the northern and southern populations of the crested duck-billed and horned plant-eating dinosaurs. We hypothesize that such isolation facilitated rapid speciation and increased diversity in these animals," explained Prieto-M?rquez.
The new species of duck-billed and horned dinosaurs were being born at an astounding rate of every few hundred thousand years during the brief time when the two mountain ranges and the seaway coexisted, Gates said. "Isolating populations allows them to evolve new features more rapidly, especially when skull ornamentation such as head crests and horns play a role," he said.
Eventually, however, the continued rise of the Rocky Mountains would evict the seaway from the continent's interior. Gates and his colleagues argue that this second geological change opened up a wide territory for duck-billed and horned dinosaurs to roam, that, in turn, reduced how fast new species evolved in the region to every few million years.
"Our data suggests that changing geography contributed to the pattern we see in western North America, but also that this pattern is unique to this region and should not be blindly extrapolated to infer global diversity leading up to the K-T extinction event," Zanno noted.
The study also found that the same species of at least some duck-billed dinosaurs lived from Canada through southern Utah at some points in the Cretaceous. Yet, during the times of isolation, these giant plant-eaters "roamed a much smaller area than you might think given that many were larger than elephants," Gates noted. Scientists hypothesize that there are ecological as well as geological reasons behind this, including the possibility that dinosaurs evolved to eat specialized plants found only in certain regions.
The mountain and seaway changes not only impacted dinosaur diversity in North America, but may have had implications in other parts of the world. Global geological changes during this time created migration routes to Asia and South America. The team speculates that the rise of the early Rocky Mountains in North America created a barrier. Only species living in the southern part of Laramidia island could get to South America and only species living north of the mountains would have been able get to Asia across modern-day Alaska.
"These giant herbivores were truly invasive species that seemingly came to dominate these other continents," said Gates, adding that this idea needs to be tested further with additional fossil remains.
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Ohio University: http://www.ohio.edu/researchnews
Thanks to Ohio University for this article.
This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.
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Source: http://www.labspaces.net/122328/Mountains__seaway_triggered_North_American_dinosaur_surge
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The body has a built-in system known as autophagy, or 'self-eating,' that controls how cells live or die. Deregulation of autophagy is linked to the development of human diseases, including neural degeneration and cancer.
In a study published online this week in the Proceedings of the National Academy of Sciences, scientists at the Ludwig Institute for Cancer Research in Oxford discovered a critical molecular switch that regulates autophagy. They also studied the links between autophagy and a cellular process called senescence that stops cell growth permanently.
The researchers identified ASPP2, a tumor suppressor, as a molecular switch that can dictate the ability of a common cancer gene, known as the RAS oncogene, to either stop or promote senescence.
As Yihua Wang and researchers in Xin Lu's group at the Ludwig Institute investigated the life cycle of fibroblast cells ? the most common connective tissue cells in animals ? they found that reduced levels of the ASPP2 protein increase RAS oncogene-induced autophagic activity. This in turn prevented cells from entering senescence. Without ASPP2, the cells continued to proliferate unchecked, thereby promoting tumor growth.
ASPP2 is known to play a role in suppressing tumor development. Mice that have a deficiency or malfunction in this protein have a predisposition to developing tumors. And low ASPP2 levels in patients are linked to poor prognoses in cancers, such as large B-cell lymphomas. Reduced ASPP2 expression has also been observed in highly metastatic breast tumors. But until now, researchers did not understand why.
"We found that in the presence of the common cancer-causing RAS oncogene, ASPP2 interacted with a protein complex that is responsible for deciding cell fate via autophagy," said Yihua Wang, PhD, Ludwig researcher in Oxford.
"What this means is that the cell's emergency stop button is disabled when ASPP2 expression is reduced or lost, allowing it to proliferate unchecked as with cancer," added Wang.
"The balance between the RAS oncogene and ASPP2 activity is crucial to determining whether or not tumor growth is promoted. Our next step will be to identify ways to alter ASPP2 activity at that critical switch point. This could be an effective way to treat cancers with reduced ASPP2 expression and mutated RAS, such as breast and colon cancers," concluded Wang.
"Some of the recently developed anti-cancer drugs are potent inducers of autophagy. The new findings may also offer an explanation as to why patient response to these drugs can vary dramatically. There are factors at play within the body that can dictate authophagic activity and impact clinical outcomes," said Xin Lu, PhD, director of Ludwig's Oxford Branch. "While further study is needed, these findings may in the longer term help doctors to identify patients who are more likely to respond well to autophagic inhibition," added Lu.
###
Ludwig Institute for Cancer Research: http://www.licr.org
Thanks to Ludwig Institute for Cancer Research for this article.
This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.
This press release has been viewed 46 time(s).
Source: http://www.labspaces.net/122276/Molecular_switch_identified_that_controls_key_cellular_process_
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Hardwood floor sanding is not necessarily that tough should you be handy with instruments and electric powered gizmos at home. You may be thinking what sanding could accomplish for your hardwood floor. Once you perform it correctly, it may level your wooden floor and bring back the grain close to the original. Most people pick hardwood for floor coverings because they like the overall look of the grain. This simply means when you sand your hardwood floor, you are restoring its original appeal.
Remember several issues before choosing to sand and refinish your flooring. To start with, you might like to give it a screening test in order to see if it does need hardwood floor sanding and cant do with regular cleaning. You could test your floor with a few drops of water. A small amount of water that soaks in slowly into the wood indicates you may simply clean and polish the floor. A small amount of water sinks in the wood almost immediately if the wood fibers already are exposed. In this case, you have to refinish it. The same holds true if the wood exhibits warping, has several deep staining, squeaks, or has apparent damage.
Take into account some more factors prior to hardwood floor sanding. The task will take away some of the floor surface, so be sure you understand how thick the wood is. Sanding a floor that is as thin as a quarter of an inch only will destroy it. A 3.5 inch thick floor, minimum, is perfect for refinishing. Call up a specialist if your floor is anything thinner, or if you do not know its thickness.
Whether you choose to refinish your flooring all by yourself or acquire the services of hardwood floor contractors, organize the area before the work begins. The preparation is practically as important as the process simply because you should not leave any part unfinished, or harm other elements of the room. Several experts can help you clear away everything from the room as part of the service, but also in case you need to do the effort yourself, here are some things to consider:
Remove the furnishings, wall decorations, and window blinds or curtains. Make use of a garbage bag to protect lamps and tape it for basic safety. Take out any closet material if the floor reaches the bottom of the wardrobe. Take out the shoe molding, as you need to reach the floor underneath. Be mindful not to chip or scrape your walls with the pry bar. Open a window and make use of a fan for ventilation, yet close the door leading to other areas of the home.
Rent a drum sander through hardwood floor contractors. Practice working with it on a piece of plywood, or at least a percentage of the ground that is normally under furniture. Doing this you are able to conceal the harm in the event you fall short on your very first try. Sanders are reasonably easy to utilize, nevertheless, and all you should know is never start it when its in contact with the ground. Tilt it back first. Keep it moving when it is on, and never leave it standing while it is running. Just like any home improvement routines, do as skilled floor contractors do, and use protective gear like gloves, earmuffs or earplugs, and safety goggles.
Source: http://www.article-i.com/business/do-as-hardwood-floor-contractors-do/
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If you?re thinking of getting into a house business but aren?t certain where to begin then you?re in the right spot. The thing about a home based business is you need to broaden your knowledge within the subject matter in order to be effective, this short article serves as a great place to achieve that.
Employ an obvious and strict timetable to control time involving the company and residence-existence. You wish to know you are supplying your home-based business your all, but additionally that you are currently providing your family and property the respected time they deserve at the same time. By using a clear and rigid timetable in place, you may equilibrium both very perfectly without the need of permitting both the collide.
It is recommended to have vouchers available for your organization to help you abandon a few wherever you go. Dependant upon the product or service you might be marketing, there must be plenty of people all around who would love to purchase something. The secret is allowing them to know that it must be offered.
In the event you utilize anyone, even volunteers, in your house enterprise, allow them to have a say thanks to-you party. This can be an excellent event to get in the getaways as it will enhance morale and make the employees feel like they?re valued. Sometimes job will bring you disappointed, so say thanks to everyone for putting up together with you during those times!
Include your loved ones. If you have a teenager, you just might keep these things solution the telephone to suit your needs to get their allowance. Possessing members of the family who assist and for you will help you to lessen the stress of starting a whole new home business, along with enabling you to hang out with them.
Set up to possess a toll-free 800 number related to your home-based business. Using this phase allows you to keep your personal data exclusive. If your company is effective, through an 800 variety also results in your house amount free to consider phone calls from your friends and family, who might have problems acquiring through otherwise.
Be sure you groom and outfit for work, wherever you are doing work. Establishing this routine will help enable you to get right into a productive state of mind at the outset of every function session. It also signifies, you will certainly be ready to carry out organization away from house in a moment?s discover.
Ensure that you routine regular functioning several hours for your personal enterprise. Online business managers often become unmotivated if they are not confronted with constant output deadlines. Generating business several hours means that one could give yourself a trusted length of time to build your company daily. In addition, it provides your prospects trustworthy several hours get in touch with you among.
Using the expertise you attained in this article you ought to previously commence to think that you possess tips and strategies you wish to apply toward your organization targets. Utilize the data you learned these days and you need to see achievement in your home enterprise in no time. Keep in mind, the only method you?re likely to see any development is that if you really attempt.
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