Housing plan helps nearly 1 million homeowners (Reuters)

WASHINGTON (Reuters) ? Nearly 1 million U.S. homeowners have won permanent reductions on mortgage payments since the Obama administration launched its foreclosure prevention program in 2009, the U.S. Treasury said on Monday, only a fraction of the total it aimed to reach.

Some 11 million homeowners owe more than their houses are worth and the Home Affordable Mortgage Program (HAMP) has had limited impact on a housing market bogged down by foreclosures and tight lending conditions.

The administration initially projected HAMP would help up to 4 million homeowners stay in their homes.

The program, which provides financial incentives to mortgage servicers to rework loans, granted 23,374 permanent modifications in December, bringing the total to date to 933,327, the administration said.

Although the program has been widely criticized by Republican lawmakers for not being effective, the administration extended HAMP by one year through 2013 and expanded it to reach more indebted homeowners.

Treasury said 84 percent of homeowners seeking help through HAMP in the past 18 months received a permanent loan modification.

(Reporting By Rachelle Younglai; Editing by Leslie Adler and Andrew Hay)

Source: http://us.rd.yahoo.com/dailynews/rss/business/*http%3A//news.yahoo.com/s/nm/20120206/bs_nm/us_usa_housing

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Appendagitis: When You Love Too Much | Psychology Today

Appendagitis is my term for loving others so much that you become an appendage to them.? My client Mary discovered her appendagitis tendency to serve others' emotional and practical needs above her own.

"I admit it," Mary said to her husband in their couple therapy session.? "I had a mother with, as you call it, appendagitis.? Bless her soul, she was a totally loving mom, but to such an extreme that it worked to her and our detriment.?

"Mom never had time for her own interests because she was all about us.? She had great ideas and a talent for writing but never got around to writing the books she could have penned because she devoted so much of her time, her energy, and even her money to doing things for us, for our dad, for our community.? And I became a mom with the same tendency to be all about others, especially my kids and my husband.?

"I realized it just last night.? I laughed actually with the realization."?

Mary explained the moment of enlightenment that she'd experienced the evening before.

"My adult kids and I own a business together, though they all draw salaries and I work for free.? Recently a large corporation has expressed interested in buying the business.? With great delight one of the kids told me last night, 'We kids were talking about how fun it will be if we really do succeed in closing the deal.? We each have ideas for using the money mostly for remodeling our homes. And we were thinking you could you use your portion of the money to take us on family vacations!'

"On the one hand, I was delighted.? How lovely that our adult kids, their spouses, and our grandkids all relish those special times when the extended family can gather to hang out together.? My husband and I also love any and all chances to be with them.

"At the same time, something felt oddly amiss.? My son actually caught it before I did.? 'Of course,' he added, 'maybe you, or you and dad, might have something you want to spend the money on, but...'

"That was it!? I had been left out of the initial equation.? The kids had assumed that any money of mine (or for that matter my skills, energy, time, etc) would of course all be directed toward their benefit.? It's like I only exist to serve them.? At least I'm not a fifth wheel.? But I've sure become a third appendage!"

On one level, Mary chuckled because she was glad to be altruistic on her children's behalf.? At the same time, on another level, as she realized that she had long locked into a pattern of excessive altruism, she felt concerned.? How had she trained her children to expect her to function with a chronic case of appendagitis??

As she continued to think about her pattern, Mary realized that she had in fact become more than an appendage to her children's lives.? The fact that she had gradually become an independent person with her own interests and desires as well as a generous contributor to the team effort was what enabled her to look on her tendencies toward appendagitis with good-humored bemusement.

"How about my relationship with you?" Mary asked her husband.? "Have I hyper-focused on what you want to the exclusion of my own concerns?"

"Maybe that's why," Mary shared, "for years I have so often felt stifled around you. ?Stifled and even depressed. ?I see now how often our relationship has been all about you.? I've joined in that belief, and even fostered it. We go to your marathons on the weekends.? We spend money on the trips you want to take, the house you wanted to buy.? We go to the restaurants you want to go to and watch the TV programs you want to see.? And I go along with it almost every time."

Fortunately, Mary's case of appendagitis was not cripplingly serious, was relatively without pain, and was one from which she could relatively easily relieve herself. ?

Fortunately also, her husband chuckled along with Mary's realizations.? He was totally on board with her discovery.? He eagerly embraced learning to do his part to break out of his 'all about me' habits.? He genuinely wanted to regard his wife with more appreciation, to listen to his wife in a way that took her viewpoints more seriously, and to elevate her concerns and preferences on par with his own.

Mary's insights reminded me how many people, particularly women and sometimes men as well, do in fact suffer quite seriously from appendagitis.? Their excessive altruism focuses their energies excessively onto others to the point that they lose their sense of having a self.?

Some would call it "codependency," or "enabling behavior." ?These terms however usually refer to taking care of others in a way that fosters others' negative habits, usually addictions.? Appendagitis is a broader phenomenon.?

All loving parents can easily be risk for becoming appendages to their children by getting stuck in a relationship that was appropriate when they were caring for new infants and then increasingly less appropriate as their children mature.

The women's revolution of the 1970's was meant to free women from self-definition as beings who exist primarily to serve their children and spouses. ?Revolutions however always take a long time to reach full implementation.? Many women today still function like Mary had been functioning, without awareness of being locked in old ways.? Looks like many folks may need a dose of what '70's women called "consciousness raising."

In my clinical practice I see appendagitis primarily in in marriages in which one partner has narcissist tendencies.?

In a recent PT blogpost on love philosophy professor Michael Austin described what I consider to be the essence of narcissistic love relationships.? "The danger is that instead of loving my beloved in such a way that her well-being is my ultimate concern, I instead love her expecting or even demanding something in return.? I love her so that I'll be rewarded with her love, her care, and her affection.? This is a love motivated out of concern for the self, rather than for the other."

The flip situation would be appendagitis.? Love characterized by appendagitis is motivated out of so much concern for the other that the self gets lost.

Put a person who tends toward 'all about me' together with a partner who tends toward the 'all about you' excessive altruism of appendagitis and you have a perfect match.?

Or do you?? Narcissists may long for a partner with appendagitis.? The trouble is that a no-self partner becomes less and less alluring for them over time.

As Mary's husband explained, "There was a phase when all you wanted to talk about was the kids and the house.? I began to get bored being with you.? It made a huge difference when you and the kids launched the business and you turned out to be such a stellar head of marketing." Unbalanced love eventually can become unappealing love.?

That may be why people with narcissistic tendencies tend to burn through relationships.? They eventually feel disinterested or burdened with a spouse who has no life of her own.? That's developmentally normal, just as kids can eventually feel disinterested or burdened by a parent who lives their life totally to take care of them.

Love is enacted in listening.?

Healthy lovers balance listening to the other with listening to their own concerns, viewpoints and preferences. I call that kind of stereo two-speaker listening, bilateral listening.? If I were to choose one main indicator of healthy love relationships, it would be the extent to which there is two-sided bilateral listening.? When both partners listen to their own thoughts and also to their partner's, and respond to both with equal interest and caring, that's true love.

?

Click here for a FREE marriage skills assessment and information on Dr. Heitler's marriage skills program.

Click here for more information on Dr. Heitler's books, audios and video.

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Source: http://www.psychologytoday.com/blog/resolution-not-conflict/201202/appendagitis-when-you-love-too-much

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Travel advice on backpacking through Europe for the first time ...

Travel advice on backpacking through Europe for the first time?

Posted by admin on February 6th, 2012

Question Ashley ? Travel tips for backpacking through Europe for the first time
Travelling through Switzerland, France, Germany, Austria and Italy. 2 weeks. and using Eurorail and maybe rent a car trip through part of Switzerland. All ideas are traveltips what to do, what not to do, where to go, what shall we do, we do not have to meet voir.Meilleure :
Response

by BRB
1D?cidez you want to go. Read lots of books, watch the Travel Channel and talk to those who backpack through Europe. Discover what ignites your curiosity. Buy a travel backpack. ?Let?s go,? ?Rough Guide? and ?Lonely Planet? has all the popular book series. Understand that all plans are tentative. Requires flexibility in the nature of a spontaneous trip (see Resources below) 0.2 Pack smart. Buy a backpack that does not exceed 45 linear inches. This is the maximum permitted size of airline carry-on baggage. Do not check luggage. You must do everything in a backpack across Europe. If it does not fit in your backpack, not this. The heavier the bag, the more unhappy you if she is on her back. Believe moi3Prenez two neutral colors change of clothes, so everything goes with everything else. Every night, wash your clothes, wash basin Inn. Choose easy-care fabrics that dry quickly. You can view all the photos, but it beats carrying around a bag full of dirty clothes. If something wears out, buy a replacement in Europe. Leave jewelry at home and buy a cheap digital clock, alarme.4Obtenez your paperwork right. You must have a valid passport, but in most European countries do not require a visa for Americans. Cheap airline tickets to travel the city gateway, then take the train everywhere. This is the best way to discover Europe. Buy a Eurail Pass, which allows unlimited rail travel. You must be obtained before arrival in Europe to their travel agent or website (see Resources below). Your ATM cards and credit cards work Europe.5Restez hostels and cheap hotels. Most of them are safe, clean and reasonably priced. They are common in Europe, and always close to public transport. Follow your guide and fellow travelers. Hostels are the best places to meet other travelers and friends (see Resources below) 0.6 Eating on the run. Food is expensive in Europe. Avoid restaurants and eating take-away places. They serve the food much better than American fast food. Better yet, go to specialty stores and buy fresh bread, meat, cheese and fruit, then nique.7Passer expensive picnic sites. Hiking is a trip across Europe. Wandering around the town square or a market is a cultural experience in itself. You can spend a lot of euros to enter the museum and can not remember what you see out there. Choose a few ?must see? sites like the Louvre or the Vatican Museum. Leave the other stuff and walk around the square. The use of bag screening areas and lockers to store your backpack if you promener.8Rester safe. Europe is relatively safe, but tourists are still geared to the crime. They are usually crimes of Rain. Protect your valuables in a portfolio under his clothes, travel in groups and not to walk at night in remote areas. Bring a lock. Most hostels have lockers secure your belongings. Look in your backpack, and do not aim attrayante.9Limitez your photos and memories of a diary. They are free and pamper you when you think about your backpacking trip through Europe years later. Buy things to fill your backpack and you are considering. If you need to buy something, send it home. Is voitAussi if you should go to Italy and take a gondola ride in Venice, as well as in Sicily. Eiffel Tower in France to go and try the wine and cheese tasting. Germany to go to Auschwitz. Switzerland, you must go to Geneva to visit the city. Austria and finally get to Vienne.Google translate these words in any language, you?ll be glad you did cela.Wheres bathroom? Where is ?? H?tel?picerie most prochemeilleure attractioncentre touristiquestation-serviceParlez you speak English? How much does it cost? where is the best restaurant? Where is the most expensive restaurant? chemisesac dosjeanchaussuresargentsouvenirsappareil photoo? that I buy ?? What do you recommend? their number from 1 to 10Quand train? What day is it, what the weather will be like? You are PluvieuxEnsoleill?BrumeuxNuageuxO? tourist information map subway stations? you to the subway station in town? Can you call me I ____ taxiEmm?ne adresseMon pauvre.Je perduJe?m are looking for ? which way should I go ?? I want to go ? I was hoping to help and I hope you have a good time!

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Source: http://www.familyvacationspotsideas.net/travel-advice-on-backpacking-through-europe-for-the-first-time.html

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Obama could alter stance of federal appeals courts (AP)

WASHINGTON ? A second term for President Barack Obama would allow him to expand his replacement of Republican-appointed majorities with Democratic ones on the nation's appeals courts, the final stop for almost all challenged federal court rulings.

Despite his slow start in nominating judges and Republican delays in Senate confirmations, Obama has still managed to alter the balance of power on four of the nation's 13 circuit courts of appeals. Given a second term, Obama could have the chance to install Democratic majorities on several others.

Fourteen of the 25 appeals court judges nominated by Obama replaced Republican appointees.

The next president, whether it's Obama or a Republican, also has a reasonable shot at transforming the majority on the Supreme Court, because three justices representing the closely divided court's liberal and conservative wings, as well as its center, will turn 80 before the next presidential term ends.

The three justices are Ruth Bader Ginsburg, the leader of the court's liberal wing, conservative Antonin Scalia, and Anthony Kennedy, who leans conservative but on some issues provides a decisive vote for the liberals.

The next high court opening would cause a titanic confirmation fight if it would allow a Republican president to cement conservative control of the court by replacing Ginsburg or if Obama could give Democratic appointees a working majority for the first time in decades by replacing Scalia or Kennedy.

The prospect of such dramatic change on the Supreme Court, along with the justices' strikingly high-profile election-year docket could heighten the judiciary's importance as an election issue, said Curt Levey, who heads the conservative Committee for Justice. The justices will hear arguments on Obama's health care overhaul in March and Arizona's immigration crackdown in April. The court also could soon decide whether to hear a Texas affirmative action case challenging the use of race as a factor in college admissions.

Even one new justice can produce dramatic change. Justice Samuel Alito replaced the more moderate Justice Sandra Day O'Connor and shifted the outcome in cases on abortion, campaign finance and other key issues, even though both were appointed by Republicans.

Openings on the circuit courts of appeals get much less attention, but those courts have the last say in most legal disputes that are appealed in the federal system. Only about 80 cases make it to the Supreme Court every year.

There are still more Republicans than Democrats on the circuit appeals courts and on the entire federal bench. But if Obama merely filled existing vacancies, Democratic appointees would be the majority on the influential court of appeals in Washington, where four current Supreme Court justices once served, and the Atlanta-based 11th U.S. Circuit Court of Appeals. Republicans also maintain their edge on the 10th Circuit in Denver only because two judgeships are empty.

Two other appeals courts on which Republicans have comfortable majorities could shift over the next four years. The Chicago-based 7th Circuit has four judges in their 70s who were chosen by Presidents Ronald Reagan and George H.W. Bush. In the New Orleans-based 5th Circuit, Judge Emilio Garza, a Republican appointee, will take senior status in August, a move that will open a seat while Garza takes a smaller caseload. Two Reagan picks in their 70s remain on the court.

Twelve Reagan appointees now in their 70s remain on circuit appeals courts or, in the case of Scalia and Kennedy, the Supreme Court.

Republican presidents, in recent decades, have been more aggressive than Democrats in filling those seats with younger, more like-minded lawyers.

Many nominees of Presidents Ronald Reagan and George W. Bush were in their early 40s, some even in their 30s, and with reputations as bold conservatives. By contrast, Obama has frustrated some liberal interest groups mainly by favoring older nominees over younger ones who might be the Democratic equivalents of some of the Reagan and Bush picks. Obama's two youngest appeals court nominees, Goodwin Liu and Caitlin Halligan, were stymied by Republican filibusters in the Senate.

The average age of Obama-nominated appeals court judges is more than 55 years old, higher than any president's going back to Jimmy Carter, according to the liberal interest group Alliance for Justice. The age of these judges matters in an era when presidents regularly look to the circuit appeals courts as the pool for Supreme Court candidates. Younger judges have a chance to develop a record that presidents can examine, yet still be young enough to be considered for the high court.

Alito and Justices Stephen Breyer, Sonia Sotomayor and Clarence Thomas all became appellate judges in their early 40s. Chief Justice John Roberts, a Republican appointee, and Justice Elena Kagan, a Democrat, would have been on the appeals court in Washington before their 40th birthdays had senators not blocked their confirmations. Roberts had to wait another decade before becoming an appeals court judge, while Kagan is the only justice who did not serve as an appellate judge.

Obama's picks have yet to surprise anyone with their decisions, said Levey, head of the conservative interest group. "So Obama's liberal critics can rest assured that if he's re-elected, his transformation of the appeals courts will make a big difference in the law."

Party labels do not always foretell a case's outcome. During recent challenges to the Obama administration's health care overhaul, Republican appeals court judges in Cincinnati and Washington cast deciding votes upholding the law, while a Democratic appointee in Atlanta voted to strike down the requirement that most people buy health insurance or pay a penalty.

Still, there is wide agreement that Obama picks have sharply altered the Richmond-based 4th U.S. Circuit Court of Appeals, which had been dominated by conservative, Republican appointees.

Source: http://us.rd.yahoo.com/dailynews/rss/us/*http%3A//news.yahoo.com/s/ap/20120205/ap_on_el_pr/us_obama_judges

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Mesothelioma And Carcinoma Of The Lung | What Say You

Asbestos fibers and cancer of the lung, indeed the fact Asbestosis Symptoms remains that asbestos fiber can be a main cause of the reason for this deadly sickness. Ahead of we evaluate the interrelationship involving asbestos fiber and cancer of the lung it?s important to know precisely what is asbestos fiber and exactly what its Asbestosis Compensation wellness effects.

What is Asbestos fibers?

Asbestos Poisoning
can be a naturally sourced vitamin as bundled up resources. Asbestos fibers resources are warmness and Effects of Lung Cancer substance proof and therefore are Asbestos Poisoning poor conductor of electricity. These traits allow it to be match for commercial use. Companies use a number of types of Asbestos fibers: Chrysolite or whitened asbestos fiber, Crocidolite or glowing blue asbestos fiber, Anthophyllite or greyish coloured resources and Amosite or dark brown coloured resources. These asbestos fiber resources enter little particles contaminants and for that reason quickly taken in or taken in which often can bring about severe wellness disorders. United states brought about from asbestos fiber can be a such case.

Health Hazards of Asbestos fibers

Regular exposure to Asbestos Poisoning can bring about numerous severe diseases as an example?Asbestos Injury cancer of the lung, mesothelioma cancer cancer and asbestosis. Asbestosis is usually as lung illness which causes a suffocating feeling, hmmm and everlasting harm to voice and Asbestos cancer-a hard-to-find cancer of membrane layer considering that the upper body and stomach, and cancer of larynx, oropharynx, digestive tract and renal.

Regular direct exposure of asbestos fiber leads to perform Symptoms of lung cancer diseases as an example cancer of the lung and mesothelioma cancer. Since 1940, countless U . s . staff members, used in shipbuilding companies, exploration and running of asbestos fiber, manufacturing of asbestos fiber textiles along with other asbestos fiber items, efficiency in design and developing positions, and foot brake fix were being Mesothelioma life expectancy revealed to asbestos fiber. Demolition staff members, drywall elimination and firefighters may also be prone to staying revealed to asbestos fiber which could bring about cancer of the lung inside them.

Due to rigid norms that has been enhanced perform techniques, the current staff members encounter small perils associated with cancer of the lung from asbestos fiber. Despite the fact that heavier and extended direct exposure time is attributed for that chance but research workers found out that quick exposures may also result in contamination. Not just your staff but in addition their loved ones are vulnerable to asbestos fiber diseases and cancer of the lung. Para perform direct exposure is simply because asbestos fiber Mesothelioma Lawsuit Compensation resources are unveiled into your home by using boots, Asbestos Injury garments, hair and skin of staff members. To avert this direct exposure staff members are needed to look at bathtub and change their garments prior to leaving behind their workplace.

The challenging component of asbestos fiber linked diseases and asbestos fiber linked cancer of the lung is that they can sit dormant in your body for 10-4 decades prior to starting. This causes it to become hard to recognize the illness carrying on. As soon as the diseases are described and revealed, it really is far too late and odds of tactical of victims can be extremely hopeless.

Source: http://blueragedesigns.net/mesothelioma-and-carcinoma-of-the-lung

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Parker's 42 powers Spurs past NBA-best Thunder (AP)

SAN ANTONIO ? Tony Parker scored 42 points and broke the San Antonio Spurs franchise record for career assists, leading a 107-96 win over the NBA-best Oklahoma City Thunder on Saturday night.

The Thunder (18-5) nearly suffered their first blowout loss before closing the gap late, while the convincing win was just the springboard San Antonio needed before spending next three weeks on the road ? where the Spurs have hardly been as dominant.

All-Star Kevin Durant led Oklahoma City with 22 points and 11 rebounds.

Parker became just the fifth player to score 40 or more in a game this season, and also had nine assists. The record-breaker was a dish to Tim Duncan ? appropriately enough_ in the third quarter that put him past Avery Johnson for the all-time franchise mark.

Parker, who's spent his entire 11-year career with the Spurs, has 4,477 assists.

Despite the record, Parker's passing was upstaged by his unstoppable scoring.

The Thunder has jumped ahead of the rest of the NBA, in part, by being the best road team. But this time they ran straight into the NBA's best home team, a distinction that was never clearer than in the third quarter when the Spurs tripled an 8-point lead in a span of 8 1/2 minutes.

Parker's most dazzling game in three years saw to that.

He scored 16 points in the third, going 6 for 9 from the floor and sinking all four of his foul shots. In a game worthy of a standing ovation, his came before it was even over ? with 2:28 left in the third, when he surpassed the franchise record that Johnson had held since 2001.

The record dish fittingly came on a pick-and-roll with Duncan, his longtime co-pilot in San Antonio's last three championships. And up against the NBA's winningest team, the duo looked as though they didn't even Manu Ginobili, who's missed the last month with a broken hand.

It was Parker's best night since scoring 43 points in a playoff win over Dallas in 2009. It also extended San Antonio's winning streak to four, the longest all season.

The only other players to score 40 or more this season are Kobe Bryant ? who's already done it three times ? Dwight Howard, Anthony Morrow and LeBron James.

Duncan had 13 points and 15 rebounds. Rookie Kawhi Leonard, getting his starting job back so he could guard Durant, added 15 points and hit all three of his 3-pointers.

James Harden had 19 points off the bench for the Thunder. Russell Westbrook had 18 points and six assists.

At times, it was an intense start to the Thunder's five-game road trip. A scramble for a loose ball between Parker and Westbrook in the second quarter escalated into a quick scrape of swats and kicks, with Parker getting whistled for a personal foul and Westbrook shoving aside the Frenchman's leg so he could get up.

Parker, visibly annoyed, was pulled off the pile by Blair, and the players on the Thunder's bench sprung to their feet. Parker responded by darting full steam on a fast break and drawing a foul at the rim. One possession later, Parker hit a tough 17-footer falling away, adding to an entire game's worth of highlights.

The Spurs improved to 13-1 at home, best in the NBA. But they'll now play their next nine away from the AT&T Center as part of their annual rodeo road trip.

NOTES: Thunder G Thebo Sefolosha missed his fourth consecutive game with a sore right foot. ... Following Thursday's win over New Orleans, Spurs coach Gregg Popovich ridiculed a reporter who suggested that 7-footer Tiago Splitter attempted anything but layups, saying his last jumper was probably in Spain in 2003. Two nights later? Splitter badly missed a 13-foot fadeaway with the shot clock running down.

Source: http://us.rd.yahoo.com/dailynews/rss/sports/*http%3A//news.yahoo.com/s/ap/20120205/ap_on_sp_bk_ga_su/bkn_thunder_spurs

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