Sunday, December 25, 2011

Rocky Road: Ice cream spill freezes Ind. traffic

A member from the Health Department checks the condition of ice cream that spilled on Interstate 69, Friday, Dec. 23, 2011, in Fort Wayne, Ind. Police said 40,000 pounds of ice cream spilled from a semitrailer closing two lanes of I-69 at the start of the holiday weekend. (AP Photo/The Journal-Gazette, Michelle Davies) MANDATORY CREDIT.

A member from the Health Department checks the condition of ice cream that spilled on Interstate 69, Friday, Dec. 23, 2011, in Fort Wayne, Ind. Police said 40,000 pounds of ice cream spilled from a semitrailer closing two lanes of I-69 at the start of the holiday weekend. (AP Photo/The Journal-Gazette, Michelle Davies) MANDATORY CREDIT.

An overturned semitrailer carrying a load of Edy's ice cream is seen on Interstate 69 down, Friday, Dec. 23, 2011, in Fort Wayne, Ind. Police said 40,000 pounds of ice cream spilled from a truck closing two lanes of southbound I-69 at the start of the holiday weekend. (AP Photo/The Journal-Gazette, Michelle Davies) MANDATORY CREDIT

(AP) ? Police say 40,000 pounds of ice cream have spilled from a semitrailer in Fort Wayne, Ind., closing two lanes of southbound Interstate 69 at the start of the holiday weekend.

The Journal Gazette and WPTA-TV report the spill happened about 4 p.m. Friday and was expected to take as long as six hours to clean up completely. One southbound lane remained open.

Police say the truck was trying to enter the interstate from a ramp when it tipped, spilling cartons of vanilla, caramel praline crunch and other flavors of Edy's ice cream onto the interstate.

Police say the truck driver had minor injuries and was taken to a local hospital to be checked out.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/aa9398e6757a46fa93ed5dea7bd3729e/Article_2011-12-23-Ice%20Cream%20Spill/id-b0ef1ab04d8149c3a64aa7aa6125a767

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Explosion rocks church in Nigerian capital

A bomb exploded in a Catholic church on the outskirts of the Nigerian capital Abuja during Christmas prayers on Sunday and emergency services said they did not have enough ambulances available to evacuate all the dead and the wounded.

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It was not immediately known what had caused the explosion or how many people were wounded or killed, though authorities acknowledged they had begun collecting corpses at the scene.

"Yes, I can confirm to you that there has been a bomb blast in a church in Madala," National Emergency Management Agency (NEMA) spokesman Yushau Shuaibu told Reuters by telephone.

"We are presently there, evacuating the dead and the injured, but unfortunately we don't have enough ambulances. Most of our ambulances have gone to operate on the major highways of the country," he added.

Last year, a series of Christmas Eve bombings in the Nigerian city of Jos claimed by radical Muslim sect Boko Haram ? which in the Hausa language spoken in northern Nigeria means "Western education is sinful" ? killed at least 32 people and wounded at least 74 others.

With those attacks in mind, the U.S. Embassy in Nigeria's capital of Abuja had issued a warning Friday to citizens to be "particularly vigilant" around churches, large crowds and areas where foreigners congregate.

Windows blown out
The blast in St Theresa's Church in Madala, an Abuja suburb blew out windows of at least one house nearby, a witness said.

Rose Adoga, who lives nearby told Reuters by telephone there was a huge explosion from the direction of the church. She added that "the blast destroyed the windows of my home."

A witness on a local radio station calling himself Paul said he was inside St Theresa's Church in the Madala district when a bomb went off in the middle of the church, according to Reuters.

Story: Clashes between sect, police kill 61 in Nigeria

The explosion comes amid a wave of attacks in Nigeria by Boko Haram. In the last year, the sect has carried out increasingly bloody attacks in its campaign to implement strict Shariah law across Nigeria, a nation of more than 160 million people with a largely Christian south and a Muslim north.

Boko Haram is loosely modelled on the Taliban movement in Afghanistan.

Previously, Boko Haram has been blamed for other bombings in Niger state, including attacks on an election office, a political rally and a church.

The sect is responsible for at least 465 killings this year alone, according to an Associated Press count.

This is a breaking news story. Please check back for details.

Reuters and The Associated Press contributed to this report.

Source: http://www.msnbc.msn.com/id/45786378/ns/world_news-africa/

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Saturday, December 24, 2011

el_pais: #hasidonoticia Dos atentados sacuden Damasco durante la visita de los monitores de la Liga ?rabe http://t.co/w614XGeE

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A guide to mortgage refinancing as rates hit lows (AP)

WASHINGTON ? Never have average rates on long-term fixed mortgages been as low as they are now: 3.91 percent for a 30-year home loan and 3.21 for a 15-year loan.

The new lows mark the eighth straight week in which the average on the 30-year loan has hovered near 4 percent.

Those rates make now a tantalizing time to refinance. And, with home prices having sunk in most areas of the country, many would-be buyers are tempted, too.

Yet the pace of refinancing and home buying has been mostly unchanged over the past year. That's mainly because so many Americans lack the home equity, credit scores or cash to refinance or buy. Many who do qualify to buy or refinance have already done so.

Here's a look at whether and why it makes sense to refinance or buy.

? Why now is a prime opportunity.

Rates are at record lows. More than 75 percent of homeowners with conventional government-backed mortgages are paying rates above 5 percent. Millions of homeowners, especially those with solid jobs, stable finances and strong credit, have refinanced during 2011. The average rate on the 30-year fixed loan has remained below 4.5 percent since July. (In 2008, it topped 6.5 percent.)

_Why more people aren't refinancing.

In many cases, people whose home values have dropped aren't eligible. Shrunken home values have reduced the total equity Americans have in their homes to under 40 percent ? the lowest since the Great Depression. As a result, many people lack enough equity to qualify for refinancing. Or their credit scores aren't high enough.

Another obstacle: Refinancers typically must pay thousands in closing costs and appraisal fees. Those costs usually add up to 1 percent of the loan's value ? $2,000 in fees on a $200,000 loan, for example. Typically, most experts say, it's worthwhile for homeowners to refinance if they can reduce their rate by a full percentage point.

? Why more people aren't buying homes.

Too many would-be buyers can't afford the required down payment, are out of work, lack enough income or are burdened by large debt loads. Home prices have sunk 31 percent since the housing boom four years ago, leaving many Americans fearful that prices have yet to bottom. They don't want to throw good money at a depreciating asset.

Half of would-be buyers also say they don't think they'll ever save enough for the 20 percent down payment now expected by most sellers, according to a survey by the National Foundation for Credit Counseling.

For those looking to buy, banks are also insisting on higher credit scores. Roughly 60 percent of U.S. households don't have the required scores above 700 to get a prime mortgage, according to an Associated Press analysis of Fair Isaac Corp., or FICO, and other credit-score data. The average U.S. credit score is 661.

? The consequences of refinancing

When people refinance at lower rates, they pay less interest on their loans. So they end up with more money to spend, save or invest. For those who can qualify, the savings can be significant. If, for example, a homeowner with a $200,000 mortgage at 6 percent can refinance down to 4.5 percent, the savings would be $3,000 a year.

Still, the benefits for the larger economy are limited. Most homeowners who refinance these days tend to sock away their savings or pay down debt rather than spend it.

Source: http://us.rd.yahoo.com/dailynews/rss/personalfinance/*http%3A//news.yahoo.com/s/ap/20111222/ap_on_bi_ge/us_mortgage_rates_refinancing

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Friday, December 23, 2011

17 dead in Sunday's Russian oil rig accident (AP)

MOSCOW ? The deathtoll from Sunday's oil rig accident off Russia's east coast has risen to 17 people.

A spokeswoman for the Emergencies Ministry said rescue teams on Thursday recovered six bodies from the Sea of Okhotsk where the floating oil rig capsized and sank Sunday.

Of the 67 men aboard, 14 were rescued from the icy water; 36 men are still missing and chances of finding them alive are negligible.

The Kolskaya floating platform was being towed back to a Sakhalin Island port in a fierce storm when a strong wave broke some of its equipment and portholes, and it capsized in the choppy water.

Source: http://us.rd.yahoo.com/dailynews/rss/europe/*http%3A//news.yahoo.com/s/ap/20111222/ap_on_re_eu/eu_russia_oil_platform

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Payroll Tax Cut: Either Side Caving? (ABC News)

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Monday, December 19, 2011

Divine Writers ? Selecting The Proper Automotive Seat For Your Child

The numerous automobile accidents each year which are ensuing to deaths and injuries of younger kids necessitated the usage of one other automobile safety device: child automobile seat.

The most common dilemma of most dad and mom is selecting the perfect baby automotive seat from among the many so many variations (each with its personal safety feature) that?s being bought within the market. The answer to this is no matter suits the infant comfortable, fits in your automotive snugly and is within the budget is the most effective child automobile seat that anybody can find.

All child automotive seats, and for that matter all the things that has to do with vehicular safety, has to pass. The same federal crash testing and security measures. Child automotive seats that are accepted by the federal government has the peace of mind of security, the requirements is about has to be passed by all manufacturers. For sure, even the most cost effective baby car seat sold out there has gone by way of the identical crash checks and can always protect the young against crashes supplied these are correctly installed.

Further options are nice but these add as much as the price of the child car seat. Higher prices don?t at all times mean the best, as there are no ?finest? automotive baby seats. Some extra options will solely be significant if it can be used but the car seat must fit the infant first.

After you have chosen a baby car seat that you like, the next item on your checklist is to read the producer instruction manual. The most expensive and multiple featured child car seat will not be of any use if the manufacturers guide is read thoroughly as these might have special necessities about special becoming and use.

In any occasion, the same rule will apply. Children and infants that weigh under 20 lbs. ought to be seated dealing with the rear of the car. If the kid is already one yr outdated and still beneath the required weight limits the appropriate automotive child seat have to be the convertible type however the little one still must be seated facing the rear. The convertibles could be fitted to face the front, which might be a great preparation when he/she exceeds the weight limit.

Toddler-solely seats are small transportable seats that often are a part of a stroller system. It has three to 5 point harnesses and can be used for children as much as 22 lbs. The seat normally comes with a detachable base for convenience because it means that you do not need to install the seat each time it?s used.

Larger baby automotive seats are used for older and larger babies and are forward facing. Just like the infant solely car child seat, this additionally comes with a five-point harness. Added characteristic is a padded T-Shield that?s connected to the shoulder straps and a padded tray like overhead shields that that swing down around the child.

Child car seats, it doesn?t matter what the kind is have one thing in common: they?re all designed to guard the baby from any untoward accidents that may happen in the course of the trip. And like security belt which are attached on the seat of the automobiles to harness adult passengers, baby car seats present security to the little ones on board.

A great brands of play centers for children is the Little Tikes Playhouse The quality of these great little play gyms is unsurpassed. Visit us today to get your own discount on your next playhouse.

Source: http://www.divinewriters.com/2011/12/selecting-the-proper-automotive-seat-for-your-child/

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