'Octomom' Nadya Suleman's Former Home Back ... - AOL Real Estate

By Catherine Sherman

Nothing like a major remodel to reset the clock on a 1970s tract house. At least, let's hope that's the case with "Octomom" Nadya Suleman's former home in La Habra, Calif. The mom of octuplets made headlines after facing eviction threats and ultimately losing her property to a bank foreclosure last summer. The bank proceeded to sell the four-bedroom house for $492,000 in December.

Now with a new kitchen, flooring, security gates and landscaping, the 2,583-square-foot family home is back on the market for $649,900. Suleman moved from Whittier, Calif., to La Habra after giving birth to the second reported set of octuplets to survive in the U.S. She was unemployed and on public assistance at the time; her father purchased the home for $450,000 under specific mortgage conditions requiring large monthly payments of $4,139 to pay off the full value by March 2010. After missing mortgage payments, Suleman threw the house on the market in September 2011 but eventually lost the home to foreclosure.

According to TMZ, Suleman's house desperately needed a face-lift after it triggered a police and child-services investigation into allegations that Suleman's 14 kids were "living in horrendous conditions and [were] being grossly neglected." Pictures obtained at the time show the words "do not enter" spray painted on the kitchen wall and clothes piled on the floor in the master bedroom.

No signs of those troubles remain now. Entering the suburban home, a contemporary foyer and vaulted ceilings make an inviting statement. A remodeled kitchen and open floor plan create a spacious main floor, while a master with new carpet and en-suite bath extend the living space upstairs. The listing is held by Nic Petrossi of TNG Real Estate Consultants. An estimated mortgage payment on the home is $2,330 a month, a little over half of what Suleman owed in the arrangement set up by her dad.

See more on Zillow:
After Eviction Threats, Octomom's House for Sale
Octomom Avoids Foreclosure -- For Now
Foreclosure Looms and Octomom Could Face Eviction

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Source: http://realestate.aol.com/blog/2013/04/02/octomom-nadya-suleman-home/

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What is a living trust? | We Help You Legal

Posted on 04/01/13

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What is a living trust?

It is a written legal document that partially substitutes for a will. With a?living trust, your assets (your home, bank accounts and stocks, for example) are put into the trust, administered for your benefit during your lifetime, and then transferred to your beneficiaries when you die.

Most people name themselves as the?trustee?in charge of managing their trust?s assets. This way, even though your assets have been put into the trust, you can remain in control of your assets during your lifetime. You can also name a successor trustee (a person or an institution) who will manage the trust?s assets if you ever become unable or unwilling to do so yourself.

The living trust described is a revocable living trust (sometimes referred to as a?revocable inter vivos trust?or a?grantor trust). Such a trust may be amended or revoked at any time by the person or persons who created it (commonly known as the?trustor(s), grantor(s)?or?settlor(s))?as long as he, she, or they are still competent.

Your living trust agreement:

• Gives the trustee the legal right to manage and control the assets held in your trust.
• Instructs the trustee to manage the trust?s assets for your benefit during your lifetime.
• Names the?beneficiaries?(persons or charitable organizations) who are to receive your trust?s assets when you die.
• Gives guidance and certain powers and authority to the trustee to manage and distribute your trust?s assets. The trustee is a?fiduciary, which means he or she holds a position of trust and confidence and is subject to strict responsibilities and very high standards. For example, the trustee cannot use your trust?s assets for his or her own personal use or benefit without your explicit permission. Instead, the trustee must hold and use trust assets solely for the benefit of the trust?s beneficiaries.

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FDA Approves First Drug of Its Kind for Type 2 Diabetes

On Friday, the U.S. Food and Drug Administration approved the first of a new type of medication to treat type 2 diabetes. Nearly 26 million people have diabetes in the United States alone, and some 347 million people have the chronic disease worldwide, with type 2 diabetes being the most common form of the condition.

Johnson & Johnson First to Market with New Class of Type 2 Diabetes Drug

Johnson & Johnson received approval from the U.S. FDA on Friday for Invokana, a medication for the treatment of type 2 diabetes in a new class of drugs, sodium-glucose co-transporter 2 inhibitors, or SGLT2 inhibitors, reported USNews.com .

Canaglifozin, the generic name for the new medication, works by blocking the action of SGLT, which allows the blood sugar circulating in the blood to remain in the blood stream during filtration by the kidneys. This medication inhibits that normal process, allowing the kidneys to instead filter out excess blood glucose for excretion in the urine the U.S. FDA explained in its press release.

Invokana received approval after nine clinical trials involving more than 10,000 participants where the drug demonstrated improvement in both fasting blood glucose levels and hemoglobin A1C levels. Fasting blood glucose lab testing measures the about of sugar circulating in the blood that is representative of current blood glucose levels; hemoglobin A1c lab testing provides an average of circulating sugar in the blood over a period of three months. Both are tests that health care providers use as parameters to diagnose and treat diabetes.

Projected Price of Invokana and Drug Sales

Johnson & Johnson has determined the wholesale price of Invokana will be $8.77 per tablet, a price the company said is competitive with other diabetes drugs, according to NYTimes.com .

Johnson & Johnson is currently seeking approval for the new medication in Europe, where it would become the second such drug in its class to dapagliflozin, a Bristol-Myers Squibb and AstraZeneca product that was rejected approval in the United States due to safety concerns.

Sales totaling $111 million in 2013 and up to $667 million by 2016 have been predicted by Lawrence Biegelsen of Wells Fargo.

Potential Side Effects, Safety Concerns with Invokana

The U.S. FDA has required that Johnson & Johnson conduct five post-marketing studies for canaglifozin due to findings that occurred during the initial nice clinical trials, but whose incidence was deemed as not significant to the approval process by the federal agency.

With the information from the nine clinical studies, it is known that taking Invokana may raise a user's chance of developing vaginal yeast infections and/or urinary tract infections.

The studies will evaluate heart-related outcomes, serious cases of pancreatitis, any malignancies that develop, severe allergic reactions, liver abnormalities, adverse pregnancy outcomes, bone safety, photosensitivity reactions and two pediatric studies. The results of these studies will aid in determination of whether the medication continues to fall within safety standards and what warnings or precautions should be observed with its use.

Baby Boomers at Increased Risk of Developing Type 2 Diabetes

The Journal of the American Medical Association's Internal Medicine reported results of a study that revealed baby boomers have a higher risk for chronic diseases, including diabetes, than do their parents despite the advances of health care over the lifespan of the boomers. The number of baby boomers who have type 2 diabetes is likely to rise as the generation ages because increasing age and overweight and obesity -- prevalent in baby boomers -- are risk factors for developing the chronic condition.

Source: http://news.yahoo.com/fda-approves-first-drug-kind-type-2-diabetes-200600821.html

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Casino Business, Investing The Hard Way: First Quarter Review ...

April 1, 2013

The first quarter of 2013 ended on a record-setting note, as the S&P 500 closed on Friday at an all-time high of 1569, finally returning to levels seen before the 2008-09 financial crisis. For gambling stocks, the quarter wasn?t quite record-setting ? growth in last year?s first quarter was far more impressive ? but the Market Vectors Gaming ETF (BJK), comprised of a broad range of gambling stocks worldwide, did manage to eke out a 6.5 percent gain, narrowly beating the market as a whole.?

The biggest news of the quarter for the gambling industry was likely the legalization of iGaming in New Jersey, which directly led to the gains for 2013?s best-performing gambling stock (so far): none other than Caesars Entertainment (CZR). The company?s land-based operations seem likely to succumb to the company?s $20 billion debt load, but Caesars management has managed to keep Caesars Interactive Entertainment ?carved out,? or protected from an eventual bankruptcy or restructuring. With the New Jersey law?s clear focus on protecting land-based operators in Atlantic City ? where Caesars owns four properties ? investors are clearly betting that CIE stands to rake in profits once iGaming hits the Garden State. While I expressed skepticism of Caesars? iGaming profit potential back in February, the rising sentiment led CZR to better than double in the year?s first three months, with nearly all of the growth coming after Christie first issued a ?conditional veto? of an iGaming bill in early February. Toward the end of March, CZR did eventually pull back, dropping 14% over the last two weeks. But, clearly, investors are betting that New Jersey iGaming will be big business, and that Caesars will benefit.?

Beyond that, the quarter was somewhat quiet in terms of industry news, but there was a very interesting split in the returns seen in the gambling sector. In a sample of the 27 US-listed purely gambling-focused stocks, only 6 were down for the quarter. Four were small casino operators: MTR Gaming (MNTG), which owns three locations in Ohio and West Virginia; Dover Downs Entertainment (DDE), owner of Dover Downs in Delaware; Lakes Entertainment (LACO), which is developing a facility in Maryland and has a small ownership in Caesars? properties in Ohio; and Monarch Casino & Resort (MCRI), which owns the Atlantis in Reno and the Riviera Black Hawk in Colorado. The other two were Global Cash Access (GCA), which supplies ATMs to casinos, and Pinnacle Entertainment (PNK), a major regional casino operator. While Pinnacle may have suffered a slight hangover after big gains following its December acquisition of Ameristar Casinos (ASCA), the other losing stocks are all small, purely domestic operators, or in GCA?s case, heavily dependent on those operators. The question is why these stocks are falling out of favor. Are investors ditching these small-portfolio operators for larger players who might have more potential for iGaming? Or are fears of cannibalization leading investors to dump the stocks of smaller companies who lack the cross-branding and loyalty programs of regional behemoths such as Penn National (PENN) and Caesars? Only one small operator saw gains for the quarter: Century Casinos (CNTY), who has operations in Colorado, Canada, Poland, and on cruise ships; it rose less than one percent. For gambling stocks, bigger was clearly better in the first quarter.?

The next group of US companies to do well were the larger regional operators. Churchill Downs (CHDN) gained 5 percent, PENN 11 percent, Isle of Capri (ISLE) 12 percent. Boyd Gaming (BYD) ? itself a potential beneficiary of iGaming, through its 50 percent ownership of the Borgata in New Jersey and a joint venture with MGM Resorts International (MGM) and bwin.Party Digital Entertainment (BPTY.L) ? gained 24 percent, with nearly all the gains coming in March. The gains came despite the fact that Boyd?s fourth quarter earnings severely disappointed, with the Borgata itself posting a dismal fourth quarter. Much of the optimism appears to have come from Boyd?s $350 million sale of its abandoned Echelon project on the Las Vegas Strip, but given its own debt issues, and its minority share of that iGaming joint venture, Boyd seems likely to have gone too far too fast.?

The next group up the list was casino suppliers, as slot maker International Game Technology (IGT) ? which finally resolved its contentious proxy fight ? joined competitor Bally Technologies (BYI) and diversified supplier SHFL Entertainment (SHFL) in posting solid quarters. The three gained between 14 and 17 percent, though they were left in the dust by small-cap powerhouse Multimedia Games (MGAM), which rose 42 percent after yet again beating analyst estimates with its fiscal first quarter earnings release in late January. MGAM, which primarily supplies tribal casinos, is now up a staggering 262 percent over the last two years. WMS Industries (WMS) actually beat MGAM, rising 44 percent, due almost solely to its acquisition by Scientific Games (SGMS) in February.?

But the best-performing US stocks, largely were the Macau operators. Melco Crown Entertainment (MPEL) led the way, gaining 39 percent, with Las Vegas Sands (LVS) gaining 23 percent. MGM and Wynn Resorts (WYNN) lagged the leaders, gaining 12 percent each. Interestingly, the laggards on the island were Galaxy Entertainment (GXYEY.PK) and SJM Holdings (SJMHF.PK), which saw single-digit returns for the first three months. This is a reversal of a long-running trend in Macau stocks, as the three Asian-based operators (including MPEL) have long outperformed their American competitors. Galaxy, for instance, trades 26 times higher than it did a little more than four years ago. Whether shares of Galaxy and SJM come back to Earth remains to be seen, but for the first time in a while American investors did better in Macau than did their Asian counterparts. It?s also worth pointing out that Macau stocks opened 2012 very strongly, before turning downward in May and giving back much of their gains. Investors should be cautious over the next few weeks; the old stock market adage ?sell in May and go away? may again afflict Macau-facing operators in 2013.?

Over in Europe, iGaming stocks did well, with gains across the sector. 888 Holdings (888.L) continued its torrid run, climbing another 40 percent; it has tripled since the beginning of 2012. bwin.Party gained from its potential iGaming exposure to the US ? particularly if PokerStars is banned from New Jersey and elsewhere ? though the stock turned south after disappointing earnings and reduced projections for 2013. iGaming operators across the Continent saw gains, defying fears of the ongoing drama in Cyprus and its?potential impact on online gambling providers. I continue to recommend investors focus on the leaders in Europe: currently 888 and Paddy Power (PAP.L), which posted a solid 14% gain. But the deteriorating economic conditions in Europe ? the 25% unemployment in Spain, the whack-a-mole nature of fighting debt crises in the continent?s smaller members ? should lead investors to be cautious. At some point, those fears are going to impact either the earnings of iGaming providers or the price investors are willing to pay for those earnings. In the worst case, it could be both, which would drive down share prices of all iGaming operators, even the most successful ones.?

With the broad market at a 5-year high, that type of caution is felt across the investing world right now. Commentary on Friday?s record high often juxtaposed happiness at the new record ? which again, only recaptures levels seen nearly five and half years ago ? with fears that it wouldn?t hold for very long. The same attitude likely permeates a lot of gambling stocks. If Macau revenue projections turn down ? as they did in the spring of 2012 ? those stocks could drop. If European economic weakness infects the iGaming market, those stocks could see a major hit. If US iGaming legalization efforts, the premium baked into stocks such as Caesars, Boyd, and bwin.Party could disappear. To be sure, the gains seen in the first quarter were nice, but they shouldn?t ? yet ? inspire any real confidence. It seems likely that the true test for gambling stocks remains yet to come.

Source: http://calvinayre.com/2013/04/01/business/q1-gambling-stocks-review/

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Schumer: Gang of 8 Has 'Substantive Agreement' on Immigration Issues

Immigration Reform Rally

WASHINGTON - Sen. Chuck Schumer said today that while there is not a final deal on immigration legislation just yet, the bi-partisan "Gang of Eight" senators working on immigration reform has reached a "substantive agreement" on the major components of an immigration plan.

"It is not a done deal. We have to draft the legislation. We have to have the group of eight sign off on the specific language, but we have substantive agreement on all the major pieces now between the eight of us," the Democrat from New York said in an interview with ABC News Sunday.

Sen. Lindsey Graham, R-S.C., made a similar statement today and said that he expects the parameters of the plan to be revealed next week.

"I think we've got a deal. We've got to write the legislation, but 2013, I hope, will be the year that we pass bipartisan immigration reform," Graham said on CNN's "State of the Union." "It's got to be written off. We haven't signed off. There are a few details yet. But conceptually, we have an agreement between business and labor, between ourselves that has to be drafted. It will be rolled out next week."

On Friday, business and labor leaders came to an agreement on a visa program for low-skilled immigrant workers, a major turning point in the debate on immigration reform.

In what the AFL-CIO described as the "W-Visa" program, 20,000 visas would be available for low-skilled workers beginning in April of 2015. The number of available visas would increase gradually in the following years but would never go above 200,000 or dip below 20,000 in any given year. Only 15,000 visas would be allocated to construction jobs each year.

"The fact that business and labor have come to an agreement overcomes the last major substantive hurdle we've had in our negotiations," Schumer told ABC News.

But the deal on a guest worker program does not mean the senate group's plan is finalized, because the Gang of Eight still has to hammer out details including border security and the path to citizenship and write the actual legislation.

Sen. Marco Rubio, R-Fla., one of the members of the bipartisan group working on immigration, said today that reports of a final deal being reached are "premature," and he called for more hearings and discussion on the topic of immigration so that a "healthy public debate" is conducted.

"Arriving at a final product will require it to be properly submitted for the American people's consideration, through the other 92 senators from 43 states that weren't part of this initial drafting process," Rubio said in a statement. "In order to succeed, this process cannot be rushed or done in secret."

ABC News' Carlos Boettcher contributed to this report.

Also Read

Source: http://news.yahoo.com/schumer-gang-8-substantive-agreement-immigration-issues-230408180--abc-news-politics.html

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Rivals prepare for legal battle over abortion bans

FILE - In this April 16, 2012 file photo, North Dakota Gov. Jack Dalrymple speaks in Bismarck, N.D. Dalrymple signed legislation on March 26, 2013 that would make North Dakota the nation's most restrictive state on abortion rights, banning the procedure if a fetal heartbeat can be detected ? something that can happen as early as six weeks into a pregnancy. Rival legal teams, each well-financed and highly motivated, are girding for high-stakes court battles in the coming months over this law and one enacted in Arkansas that would would ban most abortions from the 12th week of pregnancy onward. (AP Photo/Dale Wetzel, File)

FILE - In this April 16, 2012 file photo, North Dakota Gov. Jack Dalrymple speaks in Bismarck, N.D. Dalrymple signed legislation on March 26, 2013 that would make North Dakota the nation's most restrictive state on abortion rights, banning the procedure if a fetal heartbeat can be detected ? something that can happen as early as six weeks into a pregnancy. Rival legal teams, each well-financed and highly motivated, are girding for high-stakes court battles in the coming months over this law and one enacted in Arkansas that would would ban most abortions from the 12th week of pregnancy onward. (AP Photo/Dale Wetzel, File)

FILE - In this Feb. 7, 2013 file photo, Sen. Jason Rapert, R-Conway, explains his bill dealing with abortion at the Arkansas state Capitol in Little Rock, Ark. The bill, which was passed into law on March 6 when legislators overrode a veto by Democratic Gov. Mike Beebe, would ban most abortions from the 12th week of pregnancy onward. Rival legal teams, each well-financed and highly motivated, are girding for high-stakes court battles over the coming months on this law and one in North Dakota that would impose the nation's toughest bans on abortion. (AP Photo/Danny Johnston, File)

FILE - In this March 25, 2013 file photo, Kris Kitko leads chants of protest at an abortion-rights rally at the state Capitol in Bismarck, N.D. Rival legal teams, each well-financed and highly motivated, are girding for high-stakes court battles over the coming months on laws enacted in Arkansas and North Dakota that would impose the nation's toughest bans on abortion. The Arkansas law, approved March 6 when legislators overrode a veto by Democratic Gov. Mike Beebe, would ban most abortions from the 12th week of pregnancy onward. On March 26, North Dakota went even further, with Republican Gov. Jack Dalrymple signing a measure that would ban abortions as early as six weeks into a pregnancy, when a fetal heartbeat can first be detected. (AP Photo/James MacPherson, File)

Rival legal teams, well-financed and highly motivated, are girding for court battles over the coming months on laws enacted in Arkansas and North Dakota that would impose the nation's toughest bans on abortion.

For all their differences, attorneys for the two states and the abortion-rights supporters opposing them agree on this: The laws represent an unprecedented frontal assault on the Supreme Court's 1973 Roe v. Wade decision that established a nationwide right to abortion.

The Arkansas law, approved March 6 when legislators overrode a veto by Democratic Gov. Mike Beebe, would ban most abortions from the 12th week of pregnancy onward. On March 26, North Dakota went further, with Republican Gov. Jack Dalrymple signing a measure that would ban abortions as early as six weeks into a pregnancy, when a fetal heartbeat can first be detected and before some women even know they're pregnant.

Abortion-rights advocates plan to challenge both measures, contending they are unconstitutional violations of the Roe ruling that legalized abortion until a fetus could viably survive outside the womb. A fetus is generally considered viable at 22 to 24 weeks.

"I think they're going to be blocked immediately by the courts ? they are so far outside the clear bounds of what the Supreme Court has said for 40 years," said Nancy Northup, president of the Center for Reproductive Rights.

The center will be leading the North Dakota legal challenge and working in Arkansas alongside the American Civil Liberties Union's state and national offices. Both Northup and ACLU lawyers say they have ample resources to wage the battles, and they expect victories that would require their attorneys' fees to be paid by two states.

Dalrymple, in signing the ban, acknowledged that its chances of surviving a court challenge were questionable, but said it was worth the eventual price tag ? at this point unknown ? in order to test the boundaries of Roe.

North Dakota's attorney general, Wayne Stenehjem, initially said lawyers from his office would defend any lawsuits but is now considering hiring outside help. His office is working on a cost estimate for the litigation that could be presented to lawmakers soon.

"We're looking at a sufficient amount to adequately defend these enactments," Stenehjem said.

A lead sponsor of the Arkansas ban, Republican state Sen. Jason Rapert, said threats of lawsuits "should not prevent someone from doing what is right."

He contended that the ban had a chance of reaching the U.S. Supreme Court through the appeals process and suggested that the victory predictions made by abortion-rights lawyers amounted to "posturing" aimed at deterring other states from enacting similar bans.

In both Arkansas and North Dakota, the states' lawyers will be getting pro bono assistance from lawyers with Liberty Counsel, a conservative Christian legal group.

Mathew Staver, the group's chairman, said supporters of the bans were resolved to fight the legal battles to the end, and issued a caution to the rival side.

"They ought to hold off on their celebrations," he said. "The cases have a long way to go through the court system."

The North Dakota ban is scheduled to take effect Aug. 1, along with two other measures that have angered abortion-rights backers. One would require abortion providers to have admitting privileges at a local hospital, the other would make North Dakota the first state to ban abortions based on genetic defects such as Down syndrome.

The Center for Reproductive Rights is reviewing its options regarding the latter two bills, but definitely plans to challenge the 6-week ban before Aug. 1. Northup said her team is pondering whether to file suit in state court or U.S. district court.

In Arkansas, where the 12-week ban would take effect 90 days after the end of the legislative session, abortion-rights lawyers plan to file their challenge in federal court within the next few weeks.

Bettina Brownstein, who will be representing the ACLU of Arkansas in the case, said the U.S. district court with jurisdiction over Little Rock had issued rulings in past abortion-related cases that gave her confidence of victory this time.

"Eventually it could go to U.S. Supreme Court on appeal, but that would take a while, and they may not want to hear it," she said. "It's a question of how much money the state wants to spend."

Northup chided officials in both Arkansas and North Dakota for their willingness to spend taxpayers' money on difficult and divisive legal cases.

"It's important that the citizens of those states realize that every dollar spent to defend blatantly unconstitutional laws is taxpayers' dollars wasted," she said.

Attorneys' fees for the upcoming cases are impossible to estimate at this stage, but Northup said her organization received $1.3 million in fees from Alaska after that state lost a recent case regarding an abortion-related law.

The last few years have been intensely busy for the Center for Reproductive Rights, the ACLU and other abortion-rights legal groups as Republican-controlled legislatures have enacted scores of laws seeking to restrict access to abortion. At least two dozen such measures are currently the target of lawsuits, said Northup, who vowed that her organization "will not let unconstitutional laws go unchallenged."

Some of the recent laws place new requirements on abortion clinics, others require abortion providers to perform certain procedures or offer state-mandated counseling before an abortion can take place.

At least 10 states have passed bills banning abortions after 20 weeks of pregnancy on the disputed premise that a fetus can feel pain at that stage. One of those laws, in Idaho, was struck down by a U.S. district judge on March 6, while the laws in Georgia and Arizona have been temporarily blocked by judges pending further court proceedings.

Abortion-rights advocates, while eager to defeat the new bans in North Dakota and Arkansas, worry about the impact of the broader surge of restrictions.

"I don't believe these bans are going to take effect, but the danger is that they make the other laws look reasonable," said Talcott Camp, deputy director of the ACLU's Reproductive Freedom Project. "The ultimate goal is to take this decision away from a woman and her doctor and give it to the politicians."

One of the most frequent targets of the anti-abortion laws is the Planned Parenthood Federation of America, which ? in addition to providing a range of other health services ? is the nation's leading provider of abortions.

Planned Parenthood's president, Cecile Richards, said she found it frustrating that women "continue to be a political punching bag." But she saw an upside to the wave of anti-abortion legislation: more members and more donations for her organization.

"These attacks have served to energize our supporters," she said. "We've gained 2 million members in the past two years."

There's new energy on the other side as well.

The tough North Dakota laws have been welcomed by the protesters who gather weekly in Fargo outside the state's lone abortion clinic.

Among those on hand for the latest protest at the Red River Women's Clinic was Scott Carew, 50, who had brought two anti-abortion posters nailed to pieces of wood.

"Certainly, we're proud of the governor standing up for life," Carew said. "We're going to keep standing up for life until we can't stand up anymore."

___

Associated Press reporters James MacPherson in Bismarck, N.D., David Kolpack in Fargo, N.D., and Andrew DeMillo in Little Rock, Ark., contributed to this report.

___

Follow David Crary on Twitter: http://twitter.com/CraryAP

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2013-03-31-Abortion%20Showdown/id-e1f1fe81451d4a67ac41effd99210e0e

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