Park City's beleaguered real estate market showing signs of life ...

(Kim Raff | The Salt Lake Tribune) People look out on the balcony of the 4,500-square-foot home on Dakota Trail in the Promontory in Park City Utah during the Park City Showcase of Homes on September 2, 2012.

Real estate ? Annual showcase highlights turnaround in market.

Over the past five years, Park City?s real estate market has suffered as sales of high-end real estate has plummeted. That?s why this year?s Park City Area Showcase of Homes has a distinctly upbeat vibe.

Luxury home sales nationwide are recovering, and Utah?s resort destination town is no exception. Home sales in the Park City area are at their highest level since the end of 2007, according to data from the Park City Board of Realtors. And home prices appear to have stopped falling, with the median selling price of $427,450 in the second quarter up from $412,500 at the same period last year.

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If you go?

What ? Park City Area Showcase of Homes

When ? Through Monday, you can tour 11 high-end homes ranging in price from $600,000 to about $3.5 million.

Cost ? Tickets are $15 each and can be purchased at the first home in the showcase.

Info ? For more information, go to pcshowcaseofhomes.com

Another positive sign: The inventory of active listings in the Park City area is at the lowest level since 2007.

"It?s been a tough couple of years, but things are looking up," said Geri Strand, executive officer of the Park City Area Home Builders Association.

As is the case along the Wasatch Front, home-buying activity is increasing and in some cases, sellers are getting multiple offers ? a phenomenon not seen in nearly five years. While multiple offers are most common in the lowest price ranges, it starting to happen more in all price ranges as well. One of the homes in the Park City showcase, for example, has two buyers who bid up the asking price to $2.4 million from $2.2 million, Strand said.

This year?s showcase includes 11 homes priced at $600,000 to about $3.5 million. The number of featured homes is down from 20 in the boom years. But two years ago there were only nine homes.

While other parades of homes nationwide have moved toward more affordable luxury during the downturn, Park City?s showcase has kept its focus on luxury. Its lineup of homes this year, which range in size from about 3,000 to more than 7,000 square feet, have multi-car garages, gourmet kitchens, all the bells and whistles and "green" features as well as a plethora of bathrooms ? one home, for example, has seven bathrooms to go with five bedrooms.

As is the case in other areas of Utah as well as the rest of the country, home sales and prices have risen in part due to increased activity by bargain-hunters and investors ? not to mention super-low mortgage rates. Those who don?t need financing are buying homes, too.

"We?ve seen a lot of cash transactions," said Jeff Spencer, president-elect of the Park City Board of Realtors.

Some with cash are buying rentals; others are purchasing vacation homes.

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"Park City is a second, third, fourth home market," said Strand of the Park City Area Home Builders Association.

The Park City-area real estate market is a diverse one: Within the Park City limits, the median sales price is $1.1 million. The median sales price in the nearby Heber Valley, by comparison, though, is only $245,000 ? higher than Salt Lake County?s median but much more affordable than Park City.

Summit County real estate agents say they have noticed fewer deeply-discounted foreclosures hitting the market.

"The really incredible buys ? those have already been snatched up," Spencer said.

As just about everywhere else, the lowest-priced condos and homes ?in Park City that means anything under $400,000 or so ? don?t last long on the market. Sometimes they are snatched in hours.

The same dynamic of increased home sales and prices and lower inventory levels can be seen in Salt Lake County. A new report by the Salt Lake Board of Realtors shows that July marked the fourth consecutive month of rising home prices on a year-over-year basis.

The last time that home prices have risen for four consecutive months in the Salt Lake area was at the height of the market in 2007. The median price of all homes and condominiums sold in Salt Lake County in July was $192,000, up 1 percent compared to last year at the same time.

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Copyright 2012 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://www.sltrib.com/sltrib/money/54814518-79/park-homes-lake-price.html.csp

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Why Estate Planning is crucial | Delsan Group

Two men were lifelong friends and similar in many ways. Both were affluent, mid-fifties, healthy, with several children and grandchildren. Life was good.

Then tragedy struck. Returning home from a golf weekend together, their car was involved in a serious auto accident. Neither of them survived.

Both families were devastated. But one was far more devastated than the other.

Because although these two men were so similar in their lifetimes, they left remarkably different legacies for their families in their deaths.

One had an estate plan. Everything from funeral arrangements to the trusts for his grandchildren had been pre-planned. Right down to who got his beloved sailboat. His spouse and family were able to properly mourn his passing with love and the comforting knowledge that he had planned so carefully for their welfare.

His friend had always thought it was bad luck to talk about his death. So not only did he not have an estate plan, he didn?t even have a Will. Perhaps if he had just thought about the consequences for his family, things may have been different.

His grief-stricken spouse was left to arrange for his funeral, burial and all the legal and financial requirements. And all of it with no Will to guide her in making decisions. The stress of dealing with all this together with her emotional strain was nearly more than she could bear.

To make matters worse, the arguing and bickering among family members over the estate delayed a settlement and cost a fortune in legal fees. The end result was a severely depleted estate and bitterness in the family that will probably last for years.

Every year, too many families go through unnecessary nightmares simply because someone didn?t believe in estate planning or procrastinated it.

Fortunately, more and more people are realizing that estate planning is an essential part of financial planning and is one of the most important things you will ever do for yourself and your family.

Source: http://www.delsangroup.com/why-estate-planning-is-crucial

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Calif. Legislature Passes Major LTC Insurance Reform Bill

SACRAMENTO, Calif., Aug. 31 -- The California Department of Insurance issued the following news release:

Insurance Commissioner Dave Jones today announced that the California State Legislature has passed AB 999, authored by Assembly Aging and Long-Term Care Committee Chair Mariko Yamada (D-Davis). The bill, sponsored by Commissioner Jones and the California Department of Insurance, protects consumers from excessive premium rate volatility by modifying the long-term care insurance (LTC) premium rate development process. The measure also allows consumers to make more informed decisions about buying a policy by giving them the chance to review language before purchasing one.

"The rising cost of long-term care insurance is one of the most pressing issues facing senior consumers today," said Commissioner Jones. "What's most disturbing is the size of long-term care rate increases. They threaten the ability of many seniors, especially those on fixed incomes, to maintain or purchase long-term care insurance. AB 999 provides for additional transparency and protections related to long-term care insurance rate increases. I want to thank Assembly Member Mariko Yamada for her leadership in carrying this legislation."

"AB 999 brings needed transparency to the long-term care insurance market and strengthens the Insurance Commissioner's authority to protect consumers from the excessive premium rate hikes that have long plagued the industry," said Assembly Member Yamada. "On behalf of thousands of current policyholders, and millions of California's "seniors-in-waiting", I applaud Insurance Commissioner Dave Jones for sponsoring this legislation."

Long-term care insurance was first sold in California in the early 1980's. Since it was a new product, insurers had no historical experience upon which to rely when setting initial premium rates. As a result, pricing of LTC policies was often based upon what were later found to be inaccurate assumptions. As insurers gained more experience in the market, premium rates increase to compensate for those initial inaccuracies.

In 2000, the Legislature passed SB 898 to stabilize what became escalating rates. However, the rate stabilization features passed years before are not completely restoring predictability as intended to the long-term care insurance market today. Among other things, AB 999 would prevent insurers from passing poor investment returns through to taxpayers and eliminate the practice of insurers "cherry-picking" a small group of policies to justify large rate increases, among other strong consumer protections.

"I urge Governor Jerry Brown to sign this necessary legislation aimed at protecting California's seniors," said Commissioner Jones.

TNS 23SQ 120901-JF78-4010170 StaffFurigay

Copyright:	(c) 2012 Targeted News Service
Source:	Targeted News Service
Wordcount:	399

Source: http://insurancenewsnet.com/article.aspx?id=356078&type=lifehealth

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Tokyo Court: Samsung Didn't Infringe Apple Patent | Mobile Tech ...

A Tokyo court on Friday dismissed Apple Inc.'s claim that Samsung had infringed on its patent -- the latest ruling in the global legal battle between the two technology titans over smartphones.

The Japanese court case addressed only the synchronizing technology that allows media players to share data with personal computers and was not comparable in scope to the much larger victory that Apple won in the U.S. last week.

Samsung Electronics Co. of South Korea, the world's largest maker of phones, welcomed the Tokyo District Court ruling that its technology that allows media players and personal computers to share music files and other content did not infringe on Apple patents as confirming "our long-held position."

"We will continue to offer highly innovative products to consumers, and continue our contributions toward the mobile industry's development," the company said in a statement.

The Apple lawyer present at the courthouse declined comment, and the company said later it had no comment, including whether it intended to appeal. In the past, Apple has accused Samsung of copying Apple products.

In a session lasting just a few minutes, Judge Tamotsu Shoji said he did not think Samsung products fell into the realm of Apple technology and dismissed the lawsuit, filed by Apple in August last year.

Apple, the Cupertino, California-based maker of the hit iPhone and iPad , is embroiled in similar legal tussles around the world over whether Samsung smartphones, which rely on Google Inc.'s Android technology, illegally used Apple designs, ideas or technology.

In one such case, a jury in California ruled last week that Samsung products illegally used such Apple creations as the "bounce-back" feature when a user scrolls to an end image, and the ability to zoom text with a tap of a finger.

The jury awarded Apple $1 billion in damages, and a judge is now evaluating Apple's request to have eight Samsung products pulled from shelves and banned from the U.S. market, including popular Galaxy model smartphones. Samsung's latest hit, Galaxy S3, was not part of the U.S. ruling.

Friday's ruling was the first held in Japan in the Samsung-Apple global court battle, but other technology is being contested by the two companies in separate legal cases in Japan.

Seo Won-seok, an analyst at Seoul-based Korea Investment & Securities, said the Tokyo verdict showed that the lawsuits around the world are largely isolated and may not be affected by Apple's major victory in California.

"The favorable ruling for Samsung convinces me that lawsuits in other countries may play out differently from the one in the U.S.," he said.

Apple products are extremely popular among Japanese consumers, but major Japanese carriers such as NTT DoCoMo sell Samsung smartphones as well. Japanese electronics maker Sony Corp. also makes smartphones and tablet devices similar to Samsung's, using Android technology.

Samsung has sold more than 50 million Galaxy S and Galaxy S2 smartphones around the world. The legal battle also involves Samsung's Tab device, which Apple claims infringes on patents related to the iPad tablet.

? 2012 Associated Press/AP Online under contract with YellowBrix. All rights reserved.

Source: http://www.mobile-tech-today.com/story.xhtml?story_id=84668

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An Excessive Amount Of Amount From Your Vehicle Sound System ...

In the last two decades or so, with the invention of stereos with a high volume potential and Mp3 people, among the side effects or normal uses at a volume is small term and extended term hearing problems.Although listening to music itself in the car at a normal amount cannot injury your hearing, listening to very loud music in a limited area such as for example a car can have effects upon your hearing. Consequences start from temporary hearing loss to serious symptoms such as for example tinnitus, which leaves you with a constant ringing in the hearing, even though that there is no relevant noise. This is due to ear infections or sound associated hearing loss. The calling or whooshing in the ear experienced by tinnitus victims is just a phantom sound and is often of a consistency, that the ear has lost due to sound connected hearing loss.Tinnitus is really a very critical condition and could be permanent if someone continues to present themselves to these damaging circumstances. However for many, there is no method to heal it, simply to deal with a number of the symptoms. It is proposed that instead of address it, you consider preventative methods, so that it doesn?t occur.Prolonged experience of noise levels, upwards and around 70 db, may cause permanent injury to your hearing, so avoid listening to loud music on a regular basis. Make sure you take care of your ears by keeping them clear and applying ear plugs or muffs around high levels of sound wherever possible.With cities finding higher due to the sounds of traffic and workmen, it is not easy in order to avoid loud noises. Thus when in the quite of your own house or car, it?s vital that you allow you hearing to rest from the loud sounds of everyday activity. Therefore avoid loud music and sitting near loud speakers at events, gigs or clubs.In your vehicle sound system, keep the noise right down to a great stage. Be sure you have a good vehicle music by having an firm and sub, which is useful at average noise. Several music listeners, because of distortion within their car audio system, arrive the sound to allow them to hear the music on the distortion; however, this really is certainly not the most effective idea for your hearing. Rather purchasing a system that is clear and without distortion will enable you to obtain clear music at low volumes. This may generally be achieved by purchasing a good automobile CD subscription, rev and mp3 player (which are utilized for improving quality of production as well as volume).

Visit our website for more details about www.facebook.com/Hearingloss1

Source: http://articlepdq.com/health-fitness/an-excessive-amount-of-amount-from-your-vehicle-sound-system-may-cause-reading-decline/

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CDC: 10,000 Yosemite visitors at risk of hantavirus

Ben Margot / AP

At least five hantavirus infections have been linked to the tent cabins in Yosemite's Curry Village.

By NBC News services

About 10,000 people who stayed in tent cabins at Yosemite National Park over the summer may be at risk for hantavirus, the U.S. Centers for Disease Control and Prevention said on Friday in a health advisory.?

"People who stayed in the tents between June 10 and Aug. 24 may be at risk of developing (hantavirus) in the next six weeks," the CDC said in the release.

Earlier, two more Yosemite National Park visitors were found with a mouse-borne virus blamed for the deaths of two?people, bringing the total number of infections to six, state health officials said.

The new discoveries were made during the agency's investigation into cases of hantavirus pulmonary syndrome at the famed park, California Department of Public Health Anita Gore spokeswoman said.

The infections spurred park officials to close 91 tent cabins at Curry Village in Yosemite Valley, where five of the six infections occurred. Gore said one of the infected people may have been in another area of the park.

"Our investigation is trying to determine which area of the park that person visited," she said.

Over the past three weeks, two people have died of hantavirus pulmonary syndrome after staying in cabins at Curry Village in Yosemite Valley.

Park officials said the double-walled design of the cabins that were closed Tuesday made it easy for mice to nest between the walls. The disease is carried in the feces, urine and saliva of deer mice and other rodents.

The illness begins as flu-like symptoms, including including headache, fever, muscle ache, shortness of breath and cough. Initial symptoms may appear up to six weeks after exposure and can lead to severe breathing difficulties and death.??

Although there is no cure for hantavirus, treatment after early detection through blood tests can save lives. The virus, which has never been known to be transmitted between humans, kills 38 percent of those it infects.

"The earlier it's caught and supportive care is given, the better the survival rate," said Dr. Vicki Kramer, chief of vector-borne diseases at the state Public Health Department.

Dr. Charles Chiu, an infectious disease specialist at the University of California, San Francisco, said he made a habit of airing out his tent-cabin before occupying it as a precaution against possible virus-carrying dust particles when he stayed in Curry Village a few years ago.

But even Chiu said he was surprised to learn that a hantavirus had killed two people and stricken others who slept in the same structures this summer.

"It wasn't something even I had thought of at the time," Chiu, who studies hantavirus, told Reuters.

Five of the people who fell ill are known to have stayed in the tent cabins in June or July, and warnings have gone out to visitors who stayed in Curry Village in June, July or August.

The hantavirus outbreak occurred despite efforts by park officials to step up protection efforts last April. A 2010 report from the state health department warned park officials that rodent inspection efforts should be increased after a visitor to the Tuolumne Meadows area of the park fell ill.

The new hantavirus policy, enacted April 25, was designed to provide a safe place, "free from recognized hazards that may cause serious physical harm or death."

It came after the state report revealed that 18 percent of mice trapped for testing at various locations around the park were positive for hantavirus.

"Inspections for rodent infestations and appropriate exclusion efforts, particularly for buildings where people sleep, should be enhanced," it said.

Melanie Norall of Palo Alto, California, is monitoring her 8-year-old daughter's every sniffle. They stayed in a cabin outside Yosemite's north entrance at the end of July and awoke to mice scurrying and eating nuts out of their luggage.

In 2009, the park installed the 91 new, higher-end cabins to replace some that had been closed or damaged after parts of Curry Village, which sits below the 3,000-foot Glacier Point promontory, were determined to be in a rock-fall hazard zone.

The new cabins have canvas exteriors and drywall or plywood inside, with insulation in between. Park officials found this week when they tried to shore up some of the cabins that mice had built nests in the walls.

The deer mice most prone to carrying the virus can squeeze through holes just one-quarter-inch in diameter. They are distinguished from solid-colored house mice by their white bellies and gray and brown bodies.

The park sent warning emails and letters Wednesday to another 1,000 people who stayed in tent cabins, after officials found that a computer glitch had stopped the notices from going out with the original 1,700 warnings Monday. The warning says anyone with flu-like symptoms or respiratory problems should seek immediate medical attention.

In 2011, half of the 24 U.S. hantavirus cases ended in death. But since 1993, when the virus first was identified, the average death rate is 36.39 percent, according to the Centers for Disease Control.

The vast majority of hantavirus victims are young and middle-age adults, Chiu said, probably because they are mostly likely to engage in activities that would readily expose them, such as chopping and carrying fire wood or sweeping the floors.

"The message should not be you should stop camping. The important thing is general awareness of this disease and to avoid wild rodents in general," Chiu said.

The Associated Press and Reuters contributed to this report

More?hantavirus news:

Yosemite closes cabins after hantavirus deaths?

Hantavirus cluster worries officials

Source: http://vitals.nbcnews.com/_news/2012/08/31/13591500-two-more-yosemite-park-visitors-infected-with-deadly-hantavirus?lite

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User:AviAlbert1107 - The FOSS India Wiki

From The FOSS India Wiki

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Source: http://www.foss-india.org/mediawiki-1.17.0/index.php/User%3AAviAlbert1107

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