AMD?s Earning Preview: What To Watch After A Rough Year
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Most people with peanut allergies steer clear of the legume, but a new study from the National Institute of Health is suggesting that patients could some day do just the opposite.
NIH’s National Institute of Allergy and Infectious Diseases found that controlled “peanut therapy” can reduce the allergic response by teens and adults.
According to the study’s press release, subjects 12 to 37 years old first underwent a “food challenge” to measure how much peanut they could eat before an allergic reaction ensued.
The participants then engaged in 44 weeks of peanut therapy, which involved exposure to a small amount of peanut powder daily.
After the therapy, a second food challenge was conducted and participants were found able to consume 10 times more peanut powder than their initial test. After 68 weeks, participants could consume even more powder without an allergic reaction.
During therapy some mild itching in the mouth of some participants was reported, which lead the study authors to still consider the therapy safe.
Even with this exciting find, the researchers caution that such therapy should only be administered by trained professionals and should not be engaged in by those with peanut allergies on their own. More studies have to be done to evaluate effectiveness and safety.
The study was published in the “Journal of Allergy and Clinical Immunology”.
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With today's news that the GOP is looking for a face-saving way to capitulate on the debt ceiling, the US is now *this close* to exiting the age of crisis.
There are still a couple of humps including, well, the actual debt ceiling vote itself, and the sequester (which is the introduction of premature austerity), and the potential government shutdown.
But the bigger picture is that the economy is healing, Europe is no longer in acute crisis, and China is rebounding.
There are still risks, but the era of crisis 2007-2012 is just about in the books.
Really driving things home is a new post from Bill McBride titled The Future's So Bright...
McBride was the original crisis/economics blogger, and when he writes stuff like the following, you pay attention:
It looks like economic growth will pickup over the next few years. I've written about this before - a combination of growth in the key housing sector, a significant amount of household deleveraging behind us, the end of the drag from state and local government layoffs (four years of austerity nearing the end), some loosening of household credit, and the Fed staying accommodative (with a 7.8% unemployment rate and inflation below the Fed's target, the Fed will remain accommodative).
Joe LaVorgna at Deutsche Bank made a similar call today, saying that finally the great deleveraging had come to an end.
Goldman has also said the crisis ends this year.
We don't want to jinx things, so we'll make the official call in a little bit, but we're close.
Now go read Bill McBride's full post here >
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Bank of America economists Chris Flanagan and Michelle Meyer have revised their home price forecasts for 2012 and 2013.
They now expect home prices to rise 6.4 percent in 2012, from a previous estimate of 5 percent; and 4.7 percent in 2013, from a previous call for 3 percent growth.
Three main factors are behind their upward revision: greater momentum, continued decline in inventory, and greater credit availability.
Momentum
Previous projections drew on expectations that prices would decline as distressed sales increased and the economy weakened. This turned out not to be true.
"Momentum is very important for predicting home prices. Expectations for future prices are a function of current prices. The faster home prices turn, the more people believe they will continue to gain. This is particularly true at this early stage in the cycle, when potential homebuyers are trying to time the bottom in the market. Survey measures suggest confidence in the housing market has improved, albeit from low levels."
Depleted inventory
Inventories have continued to fall, and Flanagan and Meyer say that at the current sales pace, it will only take 4.8 months to return the stock of homes on the market to a normal pace. The few sources of inventory have been construction, distressed properties, and housing turnover (ratio of existing home sales to existing stock).
In terms of construction they see no proof that "builders have been too aggressive". Distressed properties also continue to clear up, though slowly. In coming years however investors who bought distressed properties for bank-owned-to-rental purposes are expected to add to inventory.
Credit availability
Recent mortgage policy and servicing announcements could boost credit and add momentum for home prices. Developments like qualified mortgage (QM) by the Consumer Finance Protection Bureau that can help lenders avoid litigation for instance should encourage them to make more loans.
Under the rule, borrowers with monthly debt payments that exceed 43 percent of their income won't be considered for a qualified mortgage. In the case of prime quality borrowers if lenders don't engage in risky loan behavior like interest only loans, negative amortization etc they can avoid any litigation from borrowers.
They also argue that the recent settlement of 10 mortgage servicers with regulators (which has been criticized by many) should help servicers direct more of their resources to creating a "broader framework allowing eligible borrowers to receive compensation significantly more quickly."
SEE ALSO: The 10 American Housing Markets That Made Tremendous Turnarounds In 2012 >
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Just look at how much longer it takes to go from $0 to $1 million than it does to go from $1 million to $2 million. Your first million in this scenario takes a few decades to reach. That second million? It takes less than one decade.
Getting Started -- with a Boost
If you haven't been investing before, coming up with that $600 a month may seem daunting. Fortunately, you probably don't have to come up with that full amount from your own pocket to put that kind of cash to work for you. If you're able to invest through a traditional 401(k) plan at work, Uncle Sam and your boss may very well chip in to help you out.
? Uncle Sam: When you contribute to your traditional 401(k) plan, every dollar you put into the plan reduces the wages that are reported for federal income tax purposes. In effect, if you're in the 25 percent tax bracket, it's as if you kick in $0.75 out of your pocket and Uncle Sam kicks in the other $0.25 of every dollar you invest.
? Your boss: While it's not mandatory, many companies offer 401(k) matches. In a matching program, the company agrees to contribute to your 401(k) plan alongside you. Formulas vary, but a typical match level is 50 percent of your contribution, up to some cap based on your salary.
Put those two factors together, and it gets much easier to come up with that $600 monthly investment. If your boss matches 50 percent of your contribution, it only takes $400 from you to hit that total. And since Uncle Sam is willing to forgo his 25 percent of the money you contribute, that $400 only costs you $300 out of pocket. In essence, to get $600 invested, it only depletes your pocketbook by $300.
That works out to a $10-a-day out-of-pocket sacrifice that, in the end, could net you a multimillion-dollar nest egg.
Remember, time is an important factor in any investing plan. The longer you wait to get started, the less time your money has to work for you, and the more of your own cash you need to put up to wind up in the same place at the end of your working life.
You now know how to get there. So start making your money work for you today so that it has ample time to do the heavy lifting down the road.
Making the right financial decisions today makes a world of difference in your golden years, but with most people chronically undersaving for retirement, it's clear not enough is being done. Don't make the same mistakes as the masses. I urge you to learn about The Shocking Can't-Miss Truth About Your Retirement.
Motley Fool contributor Chuck Saletta has no position in any stocks mentioned. The Motley Fool recommends Facebook. The Motley Fool owns shares of Facebook.
Source: http://dailyfinance.com/2013/01/18/first-million-dollars-retirement-planning/
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Oh hey, American Airlines you’re looking different these days. Did you do something to your fuselage? Is that a new logo you’re sporting? The airline is treating itself to a revamped look for its fleet of planes, the first makeover it’s done to its exteriors since 1968, including an updated logo as part of the paint job.
The planes’ new … [More]
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