NOT SITTING ON THEIR HANDS, THE HOUSING WORKING GROUP OF BUSINESS ROUNDTABLE HAS PROPOSALS TO STIMULATE THE HOUSING MARKET

The Housing Working Group of Business Roundtable is an association of leading US corporation CEOs and, applauded by the National Association of Realtors, they are concerned about returning stability and growth to the US housing market. Their recommendations include

· Keeping 30-year mortgage rates at historically low levels for the nest 12 months

· Expand current first-time homebuyer tax credit to 10% of the purchase price of the home or $15,000 for all homebuyers and remove current income restrictions and includle all primary residence purchases for the next 12 months

· Thoroughly review current foreclosure mitigation and loan-modification programs which are currently showing rising loan-modification re-default rates

· Make current temporary conforming loan limits permanent

· Review and strengthen government efforts to review and refine mortgage lending practices.

For information about the Housing Working Group and Business Roundtable, go to http://www.businessroundtable.org.

LAKE WORTH PIER REOPENS TO THE DELIGHT OF THE FISHERMEN

The William Osborne Lockhart pier, named after a longtime Lake Worth resident and pier master, reopened May 9^th, after the 2004 hurricanes damaged it beyond use. Lockhart was well known for teaching kids how to fish and for his kindnesses to the poor and homeless. Construction began in 2008 with 90% of the $3.4MM needed coming from the Federal Emergency Management Agency. The reconstructed concrete-and-wood pier extends 960 feet. The farthest stretch of pier is 5’ higher than previously. Its wooden planks are designed to break away during high waves and heavy storms, meaning the only future damage sustained would require plank replacement. The only other Atlantic Ocean pier in Palm Beach County is the Juno Beach Pier. Some of the “regular” fishermen have come to this pier for years to fish; others come to enjoy the view and watch the fishermen. Pier hours are 7 am to 9 pm, $3 fee for adults fishing, $1.50 for children fishing, $1 for nonfishing visitors. $3 single-day parking pass available. C’mon over and see what they are catching

NO NEED TO LOSE YOUR SERVERS AND DATA IN A HURRICANE

As hurricane season fast approaches, you may be worried about your office continuing to operate when problems arise as a result of a hurricane. No need to worry; now there is a solution that others are using. Talked with Senior Global Account Manager, Don Sabol recently. His 1Vault Networks (www.1Vault.net) true CAT 5 Rated & SAS 70 type II Data Center in Ft. Lauderdale has created a full suite of Business Continuity Planning. The company offers a Co-location center where data communications and media converge and interconnected, servicing multiple high end IT solutions customers. Each client can locate network, server and storage equipment there and interconnect to a variety of telecommunications and other True Tier 1 network service providers. Co-location is provided on a massive scale for needs ranging from modest-sized racks to custom cages with 22,000 sq ft of raised floor. Hardware and software installation, maintenance, managed and unmanaged servers and IT consulting are offered. If you are a Co-location client at 1 Vault, DR Seats and DR Suites are available, so your entire businesses can temporarily relocate to ensure continuity to customers in spite of outside conditions. They also provide and full range of Managed Security, Managed Backup and Disaster Recovery solutions. Check this out! Contact Don Sabol, Office # 954-736-2725 or dsabol@1vault.net. CALM YOUR WORRIES NOW, folks! Remember that old saying, "AN OUNCE OF PREVENTION IS WORTH A POUND OF CURE."

THE HISTORY OF ANNUITIES

• Over 2000 years ago, during Roman times, buyers, in return for a lump sum, received a fixed annual payment for life or a period certain. The first Life Expectancy Table was created by The Roman Domitius Ulpianus
• The wars during the Middle Ages were funded by tontines, annuity pools in which participants purchased a share and received a life annuity. Their survivors received a larger payment with the last survivor receiving the remaining principal, a veritable jackpot.
• European Governments, during the 18^th C., sold annuities that were state-guaranteed for lifetime income. Hundreds of laws were passed by the English Parliament to fund wars and provide a stipend to the Royal Family., the first issued was the State Tontine of 1963 costing 100£ per share with the buyer receiving income during the lifetime of their designated person, often a child. They could be assigned by will or deed or passed on to next of kin at death.
• In the United States annuities were not heavily purchased at first, mostly bought by attorneys or executors of estates to provide income to a beneficiary as describe in a last will and testament. A Pennsylvania company was formed in 1759 to benefit Presbyterian ministers and their families, and in 1912, the Pennsylvania Company for Insurance on Lives and Granting Annuities was the first American company to offer annuities to the general public.
• In the United States as multi-generational households began to fade, and especially during the Depression, investors turned to annuities as reliable investments.
• During the “New Deal” period, when FDR encouraged saving for retirement, group annuities for corporate pension plans developed. Tax deferred status was attractive.
• In 1952, the variable annuity was introduced, with a choice of vehicles to invest in, such as mutual funds.
• During the current difficult economic times annuities have become extremely popular and right now some companies have put a temporary hold on issuing annuities until they catch up with what they have in-house.
• Estimated annual annuity sales amount to over $200BB. Even though annuity contracts may have higher fees and commissions than some other investments, many have found the annuity structure to be beneficial in growing their retirement portfolios.

Blog Manager Marilyn Farber Jacobs is a License Advisor/Independent Insurance Agent and offers FREE Community Service appointments to let you know what others in your position are doing to protect, preserve and grow their retirement portfolios using annuities and/or life insurance.

HOW TO CLAIM FUNDS YOU DIDN’T KNOW WERE COMING TO YOU

Search www.unclaimed.org and missingmoney.com. Look for savings bonds in your name at publicdebt.treas.gov . For IRAs and pensions search search.pbgc.gov.

ED W. “TOO TALL FREEMAN”, CONGRESSIONAL MEDAL OF HONOR RECIPIENT

When Ed applied to become a pilot after receiving a battlefield commission, he was hoping to fulfill a childhood dream. However, he was told that at 6’4” he was “too tall” for pilot duty, and “Too Tall” became his nickname. In 1955 the height limit was raised, and he was accepted into flying school. Following is an email I received, source is http://www.herobracelets.org/?p=553, and it tells the story: You're a 19-year old kid. You're critically wounded, and dying in the jungle in the Ia Drang Valley , 11-14-1965, LZ X-ray, Vietnam . Your infantry unit is outnumbered 8 - 1, and the enemy fire is so intense, from 100 or 200 yards away, that your own Infantry Commander has ordered the MediVac helicopters to stop coming in. You're lying there, listening to the enemy machine guns, and you know you're not getting out.. Your family is 1/2 way around the world, 12,000 miles away, and you'll never see them again. As the world starts to fade in and out, you know this is the day. Then, over the machine gun noise, you faintly hear that sound of a helicopter, and you look up to see an un-armed Huey, but it doesn't seem real, because no Medi-Vac markings are on it. Ed Freeman is coming for you. He's not Medi-Vac, so it's not his job, but he's flying his Huey down into the machine gun fire, after the Medi-Vacs were ordered not to come. He's coming anyway. And he drops it in, and sits there in the machine gun fire, as they load 2 or 3 of you on board. Then he flies you up and out through the gunfire, to the Doctors and Nurses. And, he kept coming back.... 13 more times... and took about 30 of you and your buddies out, who would never have gotten out. Congressional Medal of Honor Recipient, Ed Freeman, cited for numerous acts of conspicuous gallantry and extraordinary intrepidity, died last in August 2008 at the age of 80, in Boise , ID... May God rest his soul. Thanks to John Davis, Real Estate Broker in Nebraska and a long-time friend, for sending me this information.

On May 12, 2009 HUD announced permission for lenders to allow first time home buyers to use the $8000 tax credit

as a down payment

If you are a FIRST TIME HOME BUYER
(have not purchased or owned a home in 3 prior years)

And are looking for a Home

This will make it easier to buy

Let us tell you the whole story

And pre-approve you same day

FREEBEES

Head over to www.JustFreeStuff.com, and www.TheFreeSite.com . These are sites featuring free products. For groceries, go to www.GetGroceriesFree.com, and www.CoolSavings.com. Take advantage of these offers that fit what you are looking for. We all could use a “free lunch” once in a while! You might want to tell your neighbors about these sites!

FIRST TIME HOME BUYERS - HERE'S THE STORY!

CONGRESS HAS APPROVED AN $8,000 TAX CREDIT (or 10% of the purchase price, which ever is less) for any taxpayer who has not owned a house during the 3 years prior to date of purchase. Credit applies to purchases made between January 1 and December 1, 2009. Credit would not have to be repaid (resale stipulations apply). Credit begins to phase out for Individuals with adjusted gross income Over $75,000/single, $150,000/joint.

THE HOME BUYING PROCESS

· Mortgage Pre-Approval: Before showing a home your real estate agent must have this letter in their file - we promise other agents to only show homes to buyers who have proof of ability to pay and they do the same
· Finding a home that you like - Give your real estate agent your criteria so they can find you the home of your dreams (price range, # bedrooms and baths, do you want a house, condo or townhouse, cities you prefer, do you have pets and if yes what are their weights as some communities have
pet restrictions, are you age 55+ as some communities are not "all age" complexes)

· Offer to Purchase and Negotiations: Your agent will help you to understand
contract, and will negotiate for you.
· Inspection, Loan is Processed if not paying cash, your agent goes to the closing with you

After you settle into your new home, your agent can tell you about local groups, events, activities and entertainment, also medical facilities, veterinarians, classes you can take, concerts, theaters and all else that you want to know. If you do not have an agent and would like to “discuss” matters with an agent, call Marilyn Farber Jacobs at 561-988-0070 or email marilynfjacobs@gmail.com. Happy to assist and find you the home of your dreams, the lowest possible mortgage rate, and get you “to the closing table.”

2008 WORLD'S MOST ETHICAL COMPANIES

Names you may recognize on this list include American Express, HSBC, Nike, Honda Motor Company, Sun Microsystems, FPl Group, General Electric, General Mills, Kellog, Pepsi, Caterpillar, AFLAC, International Paper, Allianz, Google, Kiplinger, Marriott, Time Warner, McDonalds, Starbucks, Gap, Ikea, Trader Joes, Vodaphone and United Parcel. For a complete list, and how they were chosen, see http://www.ethisphere.org/wme2009.

MICHAEL THORNTON AWARDED CONGRESSIONAL MEDAL OF HONOR

Michael Edwin Thornton was born in Greenville, South Carolina and raised on the family farm near Spartanburg. Thornton joined the Navy upon graduating from high school in 1967 and completed the rigorous training to join the SEALs, the Navy's elite sea-air-land special operations force. As overall American conventional forces were gradually withdrawn from Vietnam in the early 1970s, the "unconventional warfare" role of Navy SEALs grew. In the spring of 1972, Petty Officer Thornton was assigned to a mission under the command of Lt. Thomas Norris. Thornton and Norris accompanied a three-man South Vietnamese Navy team which included Kiet Nguyen, South Vietnam Navy, LDNN, (Lien Doc Nguoi Nhia, literally "soldiers who fight under the sea") on an intelligence gathering mission in enemy-held territory. Launched from a Vietnamese Navy junk in a rubber boat, the patrol reached land and found themselves farther behind enemy lines than they had planned. Continuing on foot toward their objective, they came under heavy fire from a far larger force and were in danger of being surrounded. While inflicting heavy casualties on the enemy, they headed for the shore, in hopes of escaping by sea. On learning that Lt. Norris had been hit by enemy fire and was believed to be dead, Thornton & Kiet Nguyen returned through a hail of fire to the lieutenant's last position and found him severely wounded and unconscious, but alive. The two other members of the LDNN team refused to go to the aid of Lt. Norris. They were never seen again. When Thornton & Nguyen found Lt. Norris his was alive but unconscious from a severe head wound.
Thornton slung Norris over his shoulder and dashed for life over 400 yards of open beach, returning enemy fire as he ran. He carried Norris and wounded comrade, Kiet Nguyen, out to sea, beyond the range of enemy fire. The three men floated for approximately two hours before being retrieved by the same South Vietnamese Navy junk that had brought them into the operation. Michael Thornton was awarded the Congressional Medal of Honor on October 15, 1973. He is the first person in more than a century to receive that honor for saving the life of another Medal of Honor recipient. Now retired after a distinguished Navy career that continued through Operation Desert Storm, he resides near Houston, Texas. For his gallantry, Kiet Nguyen, Petty Officer, received the Navy Cross, the second highest Navy honor. He was the only Vietnamese to receive the Navy Cross. Kiet now lives in Southern Louisiana. Their story can be seen on the Military and History Channels.

This is the 3^rd and last article in the series on Congressional Medal of Honor Winners. Thank you again to Author Gary Gosnell, Southwest Airlines Pilot (Ret).

FROM FORBES, “10 THINGS TO BUY BEFORE THE ECONOMY IMPROVES”

Sadly, someday this recession is going to end. After 17 months of steep decline, both the president’s Council of Economic Advisors and the Federal Reserve now believe the conomy will begin to recover sometime in 2009. Great news, to be sure. But it’s also a warning to consumers: The deals you’re seeing on everything from houses and cars to televisions and furniture won’t last forever. Luckily for a host of goods and services, the sale of the century (literally) is still on. The reason is simple: no buyers. Personal savings in 2008 were nearly six times greater than in 2005… For those feeling bold enough to bargain shop, opportunities abound. Some deals, like housing and automobiles, might be obvious, but others, like diamonds, might not be. BIG TICKET ITEMS: At the top of the list: housing. This may be the best time in a generation to buy a home. According to the S&P/Case-Shiller US National Home Price Index, fourth-quarter 2008 prices were down 25% from the fourth quarter of 2006. The stimulus bill Congress passed in February includes an $8000 credit for first-time home buyers. According to bankrate.com, average interest rates are beginning to dip below 5% for a 30-year fixed-rate mortgage.

VISIT YESTERYEAR VILLAGE ON THE SOUTH FLORIDA FAIRGROUNDS

Within 10 acres on the north side of Southern Boulevard, west of the Florida Turnpike Exit in West Palm Beach, you will find buildings and artifacts from the 1850’s to the 1950’s including an old school, farm, blacksmith ship, general store and houses. Visit a replica of the 1858 Haile Plantation House, a Classic Cracker House which houses many artifacts. Many belong to Bink Glisson, a pioneer, historian, benefactor, artist, educator, humanitarian and environmentalist who was instrumental in the development of Wellington, Florida. Also featured is the only big band museum in the United States. The museum commemorates the famous Big Bands, Vocalists, Composers and their All-American Popular Music starting in 1912. Collections include period furnishings. Volunteers are dressed in period costumes, perform re-enactments, provide historical information, organize artifacts and assist in preservation of the buildings. Reserve at 561-790-5232 for a tour, which takes 2-2 ½ hours and begin around 10 am. Bring a picnic lunch and purchase candy, gift and drinks at The General Store. Adults, $5, children $3, seniors.

THE GOOD, BAD AND BETTER NEWS ON HOUSING AND MORTGAGES

Neighborhood Stabilization Programs are reaching heavily into foreclosed areas. $4BB of federal monies authorized by Congress in 2008 and another $2BB dollars in the 2009 economic stimulus package are being distributed to dozens of cities, towns and counties in the United States. These are aimed at purchasing blocks of distressed properties to create “land banks” for future redevelopers. Private investors can work jointly with nonprofits to assemble and prepare real estate for government purchase. Sidelined by the recession, now local builders and developers may be able to help reconstruct damaged houses and manage them until they are ready for resale. Contact local housing and community development agencies that are making Neighborhood Stabilization proposals to the federal government. If local officials have not yet prepared proposals for HUD, you may be able to talk to them and get the process started. Tamarac in Broward County, the closest area to Palm Beach County receiving initially distributed funds for this plan, will get almost $5MM. For Further information. The Mortgage Bankers Association reported that 2 weeks ago US mortgage applications soared 32% as record low interest rates spurred home refi loans, accounting for 78.5% of all applications. Zillow.com reports that in 2008 the housing market lost an estimated $3.3 trillion in value. Credit Suisse Group AG estimates that a total of 16% of all US households (8.1MM homes) with mortgages could fall into foreclosure by 2012. The Mortgage Bankers Association estimates that at the end of 2008, a little more than 9% of all US home loans were either in arrears or foreclosure. The $75BB incentive plan for lenders applies when they lower interest rates so that a borrowers monthly mortgage payment is no more than 38% of his or her pre-tax income. Then the government program would match the amount reduced by the lender to bring payments down to 31% of their pre-tax income, or to lower the principal owed on the mortgage, according to Market Watch. Part of the initiative provides for servicers to receive $1000 for each loan modification, and government funding for each month the borrower stays current on the loan. Homeowners can also receive $1000 annually for 5 years as long as they stay current on loan payments – this comes from the Trouble Asset Relief Program (TARP) and from Fannie Mae and Freddie Mac. A plan allowing judges to rewrite mortgage terms for homeowners in bankruptcy court is under consideration so that rather than force people into foreclosure they can make at least some of the payments. There is a fear, however, that this “cram down” law, if passed, would stop investors from buying mortgage-backed securities, fearing judges could unilaterally change the terms of the deal the securities were created around, according to MSNBC, thereby destabilizing the marketplace.

SHORT SALES & FORECLOSURES IN EMPTY BUILDINGS – WHAT YOU NEED TO KNOW

e mso 9]> Normal 0 Yes, you can get a real good bargain. BUT – if there are a lot of empty units in the building, residents may be getting a hefty HOA raise to cover ongoing costs such as maintaining landscaping, keeping building insurance policy, maintaining air conditioning, pool and other amenities. There are rules for lenders and buyers… a condo building cannot have more than 15% HOA fees delinquencies to qualify a buyer for a Fannie Mae loan.

CONGRESSIONAL MEDAL OF HONOR AWARDED TO THOMAS R. NORRIS (Part 2)

Thomas R. Norris was born in Jacksonville, Florida. His family moved to Wisconsin and later to the Washington, D.C. area, where Norris attended the University of Maryland, intent on pursuing a career in criminology with the FBI. Graduating in 1967, Norris enlisted in the Navy when his student deferment from the draft was not extended. He volunteered for the SEALs -- the Navy's elite special-forces unit -- and after completing the brutally rigorous training program served multiple tours of duty in Vietnam. In the spring of 1973, a RB-66 electronic surveillance plane was shot down over North Vietnam. One crewman, Lt. Col. Gene Hambleton, survived the bailout over North Vietnam and narrowly escaped capture. The Air Force launched an unprecedented rescue effort. In five days, over 14 people were killed, eight aircraft were lost, two rescuers were captured and two more were stranded behind enemy lines. On April 10, 1972, Norris led a five-man patrol deep into enemy territory. Separating temporarily from his patrol, he traveled alone through the jungle and located one of the downed pilots just before dawn. He led his crew safely back to their forward operating base. Later that day, a North Vietnamese rocket attack on the small base inflicted devastating casualties and compelled the medical evacuation of the one other American officer, the remaining Vietnamese officers and all but a remnant of the Vietnamese supporting force. After an unsuccessful attempt to rescue the first missing flier, two of Norris's three remaining Vietnamese commandos proved unwilling to accompany Norris on further missions. On the afternoon of the 12th, a forward air controller located the first pilot and notified Lt. Norris. Dressed as fishermen, Lt. Norris and a Vietnamese comrade, Nguyen Van Kiet, paddled a sampan up the river and found the injured pilot at dawn. Concealing him in the bottom of their vessel, Norris and Kiet headed down river to their base, dodging one North Vietnamese patrol and surviving heavy machine gun fire from a bunker along the river. This extraordinary rescue has been recounted in numerous books and a feature film, BAT-21 (starring Gene Hackman), the Air Force code name for the original reconnaissance mission. The following October he received a near-fatal head wound in action and was rescued by his fellow Navy SEAL, Michael Thornton. At first, Norris's doctors gave him little chance of recovery, but with constant encouragement from his family and from Michael Thornton, Norris fought on. In time, Norris and Thornton enjoyed the unique satisfaction of witnessing each other's Medal of Honor ceremonies at the White House. Thomas Norris ultimately realized his youthful ambition of joining the FBI. After many years of distinguished service in FBI hostage rescue operations, he now enjoys a well-earned retirement in Idaho. This story can be seen on the Military and History Channels... Thank you to Author Gary Gosnell, Southwest Airlines Pilot (Ret.)

CURRENT HOME SALES AND FORECLOSURE STATISTICS

CONSIDER THAT THE HIGH AMOUNT OF FORECLOSURES
DISTORTS THE PRICING COMPARISONS
AND AS THE FORECLOSURES ARE SOLD
THE PRICING COMPARABLES WILL CHANGE
TO REALISTIC NUMBERS

PROPERTY VALUATIONS IN QUESTION

Appraisers complained at a House financial services subcommittee recently that loan officers, Realtors, builders and others made pervasive attempts to interfere with their work, and that sometimes resulted in distorted home valuations. The President of the National Association of Home Builders said that in 2008 and 2009 appraisers “have often used sales of homes in foreclosure or other distressed property sales as comparables for new homes without making the appropriate value adjustments.” He said that depresses the true value of new homes, produces a further downward spiral in new home sales and unfairly devalues entire neighborhoods. All Fannie Mae and Freddie Mac loans originating after May 1^st may change, but the National Association of Mortgage Brokers has filed a federal lawsuit in US District Court in Washington asking the court to declare the entire process illegal because it bans mortgage brokers from involvement in selecting or hiring appraisers. According to the association (which represents 20,000 brokers nationally) that will directly reduce the ability of mortgage brokers to provide consumers with an efficient and cost-effective means of shopping for a mortgage. Home buyers and refinancers then may need to pay for appraisals from every mortgage company or bank they shop. Currently, a broker can obtain one appraisal at the consumer’s expense and use it to get quotes from multiple wholesale lenders.

CALUSA VETERINARY CENTER, OPEN 24/7 FOR PET EMERGENCIES, OFFERS COMPREHENSIVE HUMAN-LIKE PET CARE

A tour of the Calusa Veterinary Center at 6900 Congress Avenue in Boca Raton, just south of Costco, will reveal an amazing, 10,000 sq ft state-of-the-art full-service veterinary medical facility where pets are treated similarly to humans. When diagnosed and tailored individual treatments are determined, your beloved pet may go to the Aquatic Center and receive hydrotherapy in a heated outdoor exercise pool and/or walk on an underwater treadmill, which provides low-level impact exercise in a reduced gravity environment. Treatments provided in the Rehab Center include deep penetrating low level laser, therapeutic ultrasound, electro-muscle stimulation, land treadmill exercises and stretching, range of motion, gait analysis. Homeopathy, acupuncture, chiropractics, nutrition and herbalism are used in the Zen-inspired Holistic Center to get pets on their way to recovery. The Center’s holistic viewpoint includes consideration of their environment, the pet’s relationship with their owner and family, and disease patterns. If your pet is in need of treatment “after hours,” give Calusa Veterinary Center a call, and they will be ready when you walk in the door with your pet. The only veterinary center in the county that is open 24/7 for pet emergencies, along with medical services and rehabilitation, the facility offers grooming, dental care, and boarding. Luxury boarding is available in the Barker Raton Pet Resort within the facility, and you can arrange to go online and see your pet in their boarding quarters. One focus of the Center is to promote responsible pet ownership, good nutrition, enhance the human-animal bond, and practice preventative health care. Pets are considered “seniors” at 7 years of age, and the Center has a Senior Wellness Screening package with a comprehensive physical exam. Gift cards are offered, and there is a 5% discount on the total invoice that can be used the next time, or any time you receive other services. Call 561-999-3000 to arrange for a tour. You may want to bring the kids along! Calusa serves the entire Palm Beach County area.

FIX IT ONLINE FOR FREE

Imagine! Something is not working right, and you can first check it out at www.fixya.com. Volunteer techies provide free fix-it advice for common breakdowns of gadgets, electronics, and other products. Chat online or post a message. Before purchasing an item, you may be able to get a “heads-up” from those who already posted on the item.

DENTAL, VISION AND HEARING INSURANCE OVERVIEW

These insurances are becoming an increasingly important part of your insurance portfolio. Some hearing insurances include $500 each towards a pair of hearing aids. There is a strong correlation between oral health and overall health. About 80% of Americans show symptoms of periodontal disease. Proper oral hygiene practices are essential. Poor oral health care can lead to tooth decay and gum disease. Healthy gums play an important role in keeping harmful bacteria that is found in the mouth from entering the blood stream. Routine dental exams can keep your mouth healthy. Your dentist can spot symptoms of some illnesses in the mouth during routine dental exams. Illnesses including cardiovascular disease, diabetes, osteoporosis and cancer often cause signs and symptoms to appear first in the mouth. Ask Marilyn for plan details for good coverage.

COMMON SENSE HEALTH AND WELLNESS ADVICE

From every corner these days we are hearing about healthy life choices. There are many things you can do to help practice healthy adult living. Here are a few from the National Institutes of Health (NIH). GET THE SCREENING TEST YOU NEED. Mammograms, Pap smears, colorectal screens, and other tests can find diseases early when they are easier to treat. Talk to your doctor about which of the following tests you should have and when. These recommendations come from the U.S. Preventive Services Task Force and NIH. Blood pressure: Have your blood pressure checked at least every 2 years. Cholesterol: Women should have their cholesterol checked regularly starting at age 45: men every 5 years beginning at age 35. If you smoke, have diabetes, or if heart disease runs in your family, begin checking cholesterol at age 20. Colorectal cancer: Test for colorectal cancer starting at age 50. Your doctor can help decide which test is right for you. Depression: If you have felt "down", sad or hopeless and have taken little interest or pleasure in doing things for 2 weeks straight, ask your doctor about screening for depression. Diabetes: Screen for diabetes if you have high blood pressure or high cholesterol. Breast cancer: Have a mammogram every one two years starting at age 40. Osteoporosis (women): Have a bone density test at age 65 to screen for osteoporosis (thinning of the bones). If you are between 60 and 64 and weigh 154 pounds or less, talk to your doctor about being tested. Cervical Cancer (women): Get a Pap smear every one to three years if you have been sexually active or are older than 21. Prostate Cancer (men): Discuss with your doctor the pros and cons of having a prostate-specific antigen (PSA) test or digital rectal examination (DRE) to screen for prostate cancer. Sexually transmitted diseases: Your doctor can help you decide whether to be screened for sexually transmitted diseases such as HIV, and for women, also chlamydia. General: After age 50, people also should have an annual fasting blood sugar check for diabetes, regular colonoscopies for cancer of the colon, PSA tests for prostate cancer, and mammograms for breast cancer. The body is truly fearfully and wonderfully made. God has made us stewards of our bodies and our health. Remember no one knows your body better than you do. Take the time to take care of yourself. Thank you for this advice to Polly Terry, a Parish Nurse, RN, who writes the column monthly for her Church Bulletin. Polly lives in Freeport, Florida.

THE TIMES THEY ARE A-CHANGIN’ IN CALIFORNIA… WILL FLORIDA BE NEXT?

The Santa Barbara Realtors Association President says, “Home sales are picking up across the South Coast… more favorable interest rates are one reason… prospective buyers are more likely to get off the fence when rates are low.” She also says that once the market has hit bottom, it’s too late for buyers to know that, and, “If you wait for the bottom to hit, you’ve waited to long.” As the drive begins to purchase homes, the competition makes prices rise again. According to a local online newsletter, “The South Coast has a chronic shortage of entry-level homes like townhomes, condominiums and smaller single family homes so federal stimulus spending could have a positive effect locally.” If you read the article farther down you will see that home sales in Florida are trending up. Is it time to get on the bandwagon?