Benedict College Hosts Annual Career Fair

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Benedict College Office of Career Services will host its annual Career Fair from 9 a.m. to 12 noon on, Friday, February 15, 2013 in the Benjamin E. Mays Human Resources Arena located on the main campus. The event is for Benedict College students and alumni only.? Professional Business Attire is required for ladies and gentlemen. Benedict College students seeking job opportunities and internships should bring several copies of their resume.??

The Career Fair features recruiters from over 25 major companies across the nation searching for personnel to fill professional positions, corporate, as well as federal, state, and local government agencies.?

Companies scheduled to attend: Charleston County Park and Recreation Commission, Charlotte Fire Department, City of Florence, Colonial Life and Accident Insurance Services, Honda of South Carolina Manufacturing, Inc., IT-ology, Palmetto Health, Regions Bank, Ricoh, Santee Cooper, SCANA Services, Inc., South Carolina Department of Motor Vehicles, South Carolina Parks, Recreation and Tourism, Time Warner Cable, United States Probation, UPS, USDOT-Federal Motor Carrier Safety Administration, Verizon Wireless, Waffle House, WIS-TV Channel 10, South Carolina Headstart, NAVY, Unites States Coast Guard, South Carolina Federal Credit Union, BI-LO, Pepsi, and VA Medical Center.

For more information about the event, contact the Office of Career Services at 705-4671 or 705-4815.

Source: http://northeastcolumbia.wistv.com/news/events/55453-benedict-college-hosts-annual-career-fair

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Qualify for a VA Loan

VA Loans are one of the best ways for military members and veterans to buy a home. The benefits are many, and the downsides are few. For example, VA Loans allow veterans to buy a home with no money down. This is almost unheard of in the current real estate market place due to recent changes in lending laws. Interest rates on VA Loans are often slightly lower than conventional mortgage rates because the loans are backed by the U.S. government. If the borrower defaults on the loan, the government makes it up to the lender.

There is one misconception we need to clear up, however. Every person who is eligible for a VA Loan won?t necessarily qualify for a VA Loan. Borrowers must first meet eligibility requirements based on their service, then they must qualify for the loan based on their financial circumstances. Let?s look at these in more depth:

VA Loan Eligibility

To be eligible for a VA Loan, servicemembers and veterans must first obtain a Certificate of Eligibility (COA). The VA Loan COA is required by the VA and the lender. Servicemembers and veterans qualify for a Certificate of Eligibility based on their military service. These are free to obtain, and must be obtained through the VA. Please don?t let a company charge you to obtain your VA Loan COA! In fact, if a company wants to charge you for this, my recommendation is to look for another lender. Here are the requirements according to the VA:

In general, you must have been discharged under conditions other than dishonorable and meet the service requirements below:

• Active Servicemembers: Serve at least 90 continuous days on active duty
• Veterans: Served 181 consecutive days on active duty or 90 days during war time
• Guard and Reserves: Served at least six years in the National Guard or Reserves, or 90 days on active duty during a period of war
• Spouses: Be the unremarried spouse of a servicemember who was killed in the line of duty.

There are several other caveats, exclusions, and special circumstances, so be sure to check with the VA if you are unsure about your eligibility.

How to Qualify for a VA Loan

Once you establish your VA Loan eligibility, you need to qualify for the actual loan. This includes your credit score, income, debt to income ratio, fixed expenses, and other factors. These criteria are very similar for a conventional home loan.

Credit score: Your credit score is a record of how well you have used your credit in the past. In general, the higher your credit score, the lower your interest payments. It?s a good idea to know what your credit score is before buying a home so you know what kind of interest rate you will be approved for ? or if you will even be approved for a loan based on your credit history. Here are some tips for getting a copy of your credit score for free.

If your credit score needs improvement, it?s a good idea to work on raising your credit score before applying for a loan. This will increase your odds of approval and help you get a better loan.

Income: Your income also affects your ability to get a VA Loan approval. The higher your income, the better your chances of having your home loan approved. Don?t let a low income prevent you from trying to buy a home though. Your loan application may be approved if you have a good credit score, don?t have any debt, and you are trying to buy an inexpensive home with affordable payments. Lenders may wish to see proof of income, including a copy of your pay stub or Leave and Earnings Statement if you are in the military. Lenders may also wish to see a copy of your tax returns if you are self-employed or if they need more information about your income. Don?t forget to include any additional income you may receive such as VA Disability Compensation, a military pension, income from a side job, etc.

Debt to Income Ratio and Fixed Expenses: Even if you have a great credit score, you may not be approved for a loan unless you can prove you can pay for it. Lenders will want to know more about your fixed expenses such as auto loans, student loans, child support or alimony, or other fixed payments. Lenders add up all your fixed monthly expenses into what they call your Debt to Income ratio, which shows them how much of your income each month goes to paying of debt and other fixed expenses. They want to look at the percentage of income your house payment will be, in addition to how much your total debt each month will be. This article explains debt to income ratio in more detail. In general, it?s best to reduce your bills as much as possible before applying for a loan.

Other factors: Each loan application is unique, so there may be other factors that affect your ability to get a VA loan approval. Some of these items include previous loan defaults, the value of the home you wish to buy, and other factors. It?s impossible to know or list every factor that could apply.

If you are planning on buying a home with a VA Loan, then check out our VA Loan interest rate page which lists current interest rates from a variety of lenders. This will give you an idea of what current interest rates are in your area.

Source: http://themilitarywallet.com/qualify-for-a-va-loan/

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WhatsApp for Android gets Holo-themed makeover in latest beta

Despite being one of the most successful software entities on Android, WhatsApp's been a little late to adopt certain design guidelines preferred by Google's mobile platform. Thankfully, the renowned messaging application appears to be ready to take on a more elegant UI, with the most recent beta bundling in Mountain View's praised Holo theme and, as noticed by some Android Police readers, expandable notifications for all. However, folks attracted by the idea of going Holo in WhatsApp will have to snag the goods straight from the source, as the changes have yet to make their way onto Google Play.

Filed under: Software, Mobile

Comments

Via: Android Police

Source: WhatsApp, Jose Luis de la Torre (Google+)

Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/uUKc79CXFak/

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Source: http://forums.ferra.ru/index.php?showtopic=54525

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The Benefits of Registering to A Credit Union | Finance News Today ...

A lot of people have become a member of and are continue to joining up to a credit union; it is a financial organization that?s actually owned and operated by the customers. Needless to say there?s a guiding body that oversees and helps make absolutely sure that every thing is operating efficiently, but it will be the members which will have the final say.

A credit union provides numerous monetary solutions and credit to all members, and where members that possess their own finance remedies can supply to others in the union. They may be an excellent approach to manage your finances and are viewed as getting far better than a bank. This can be since the members have a say in how its run, by means of voting, plus it usually means that rates of interest are reduced in comparison to the banks also.

There are many different credit unions as they?re unique to a certain range of people, and it can be very best to attempt and uncover a Australian credit union where you will discover similar individuals. For instance there could possibly be one specified for engineering workers, one could be for nursing staff, one could be for those residing within a particular region. Simply by registering to a credit union that has other members which will share the exact same activities and career as you can feel far more as a close knit group where everyone will help one another.

Yet another advantage of a credit union is that there are no investors, thus any revenue made via interest are actually repaid to all of the members as a dividend. You might be in a position to open up a financial savings account with them and pay in it as little or as much as you want. As the rate of interest might be better, at the end of the year when the panel states the dividend due this could be far more advantageous to you than saving your money in a financial institution. In fact many individuals have compared credit unions and banks and discovered that credit unions might be the best way ahead.

With most saving accounts in a credit union you are going to get life insurance, which means your spouse or next of kin would be offered your invested shares, in most instances this could be 2 to 3 times the sum which has been put in.

Typically after a set amount of time that you have been in a credit union as well as have created a bank account using them, you might be capable to borrow money in the way of a loan. They will look in your savings which you have made along with the length of time being a participant. Once more because it is a non-profit organisation the charges are going to be much improved for you. You?ll be able to pay back the money at a quicker rate because the interest rates are much less to repay.

The majority of these plans include insurance coverage as normal; this can be to protect any sort of misfortunes that may well come your way, such as an disease, an accident or perhaps loss of life. It ensures that your loan is paid for, and you or maybe your family won?t have to be concerned about having to pay it back.

Looking in to joining a credit union may be an excellent approach. They?ve much better interest rates plus the revenue go straight back for the members rather than straight into just one particular person?s wallet. Anybody can join a union, you could need to perform a search on-line, ask all-around your family and friends, or find out if there?s one for your industry you are in.

Select credit union are a fantastic approach to save and borrow money with well suited individuals and with much better interest rates, it is possible to compare and contrast credit unions and banks and see for oneself.

Source: http://thefinancenewstoday.com/2012/03/07/the-benefits-of-registering-to-a-credit-union/

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Antibodies are not required for immunity against some viruses

Thursday, March 1, 2012

A new study turns the well established theory that antibodies are required for antiviral immunity upside down and reveals that an unexpected partnership between the specific and non-specific divisions of the immune system is critical for fighting some types of viral infections. The research, published online on March 1st in the journal Immunity by Cell Press, may lead to a new understanding of the best way to help protect those exposed to potentially lethal viruses, such as the rabies virus.

The immune system has two main branches, innate immunity and adaptive immunity. Innate immunity is a first line of defense that relies on cells and mechanisms that provide non-specific immunity. The more sophisticated adaptive immunity, which counts antibody-producing B cells as part of its arsenal, is thought to play a major role in the specific response to viral infections in mammals. However, adaptive immune responses require time to become fully mobilized.

"Mice infected with vesicular stomatitis virus (VSV) can suffer fatal invasion of the central nervous system even when they have a high concentration of anti-VSV antibodies in their system," explains senior study author, Dr. Ulrich H. von Andrian, from Harvard Medical School. "This observation led us to revisit the contribution of adaptive immune responses to survival following VSV infection."

The research team studied VSV infection in mice that had B cells but did not produce antibodies. Unexpectedly, although the B cells themselves were essential, survival after VSV exposure did not require antibodies or other aspects of traditional adaptive immunity."We determined that the B cells produced a chemical needed to maintain innate immune cells called macrophages. The macrophages produced type I interferons, which were required to prevent fatal VSV invasion," says co-author Dr. Matteo Iannacone.

Taken together, the results show that the essential role of B cells against VSV does not require adaptive mechanisms, but is instead directly linked with the innate immune system. "Our findings contradict the current view that antibodies are absolutely required to survive infection with viruses like VSV, and establish an unexpected function for B cells as custodians of macrophages in antiviral immunity," concludes Dr. von Andrian. "It will be important to further dissect the role of antibodies and interferons in immunity against similar viruses that attack the nervous system, such as rabies, West Nile virus, and Encephalitis."

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Cell Press: http://www.cellpress.com

Thanks to Cell Press for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

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Source: http://www.labspaces.net/118066/Antibodies_are_not_required_for_immunity_against_some_viruses

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University Faculty for Life ? Blog Archive ? Call for Papers on End of ...

Posted on March 1, 2012, 10:05 am, by Teresa Collett.

Call For Papers and Presenters Honoring Patients? Treatment Choices at the End of Life: New Tools, New Challenges, New Limits
Hamline University School of Law, Saint Paul, MN, November 8-9, 2012
The Health Law Institute at Hamline University and the Hamline Law Review seek proposals for presentations and papers for our all-day fall CLE/CEU Symposium on Friday, November 9, 2012. Our Symposium will examine the problems and solutions to issues currently arising at the intersection of medical law and end-of-life care.
TOPICS: Potential topics include, but are not limited to: ? Legal and medical issues concerning the use of POLST orders, especially in Minnesota; ? Institutional and community responses to medical futility disputes; ? Legal issues involved in end-of-life planning, including advance directives, health care proxies, DNR orders, living wills and the initiation and cessation of artificial support systems (such as artificial nutrition and hydration); ? A view of the decision-making process in end-of-life cases from the perspective of the parent, the family and the medical provider; ? Decision-making for the ?unbefriended? patients without surrogates; ? Role of lawyers, guardians ad-litem and the courts in end-of-life cases; ? Applicable legal and medical standards in end-of-life cases; ? Ethical issues related to the roles of attorneys, medical providers and family members in end-of-life decision-making; and ? Any other related topics.
SUBMISSION PROCEDURE: Anyone interested in speaking at the Symposium and/or publishing in the Hamline Law Review?s Symposium issue should submit both a CV and a 500-word abstract to: healthlawsym2012@hamline.edu by March 30th, 2012.

Teresa Collett

Teresa Stanton Collett is a professor at the University of St. Thomas School of Law in Minneapolis, Minnesota, where she teaches bioethics, property law, and constitutional law. A nationally prominent speaker and scholar, she is active in attempts to rebuild the Culture of Life and protect the institutions of marriage and family. She often represents groups of state legislators, the Catholic Medical Association, and the Christian Medical and Dental Association in appellate case related to medical-legal matters. She represented the governors of Minnesota and North Dakota before the U.S. Supreme Court as amici curiae regarding the effectiveness of those states? parental involvement laws. She has served as special attorney general for Oklahoma and Kansas related to legislation designed to protect the well-being of minors and unborn children. She is an elected member of the American Law Institute and has testified before committees of the U.S. House of Representatives and U.S. Senate Committee on the Judiciary, Subcommittees on the Constitution, as well as numerous legislative committees in the states.

Source: http://www.uffl.org/blog/2012/03/01/call-for-papers-on-end-of-life-march-30-deadline/?utm_source=rss&utm_medium=rss&utm_campaign=call-for-papers-on-end-of-life-march-30-deadline

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