Illinois foreclosures up for 11th month









Foreclosure activity in Illinois posted the 11th straight year-over-year increase in November, but compared with a month earlier, filings are trending in the right direction, according to new data released Thursday.

RealtyTrac said the 13,520 properties within the state that received a foreclosure notice last month was a decrease of 9 percent from October but up 9 percent from November 2011. last month's activity, which equated to one out of every 392 homes in the state receiving a notice, gave Illinois the nation's third-highest state foreclosure rate, surpassed by only Florida and Nevada.

In the Chicago-area counties of Cook, DuPage, Kane, Kendall, Lake and Will, almost 11,000 homes received a foreclosure notice in November, a decrease of 10.5 percent from October's level of activity but up 1.6 percent from November 2011

Most of that activity was in Cook County, where about 2,299 homes received initial notices of default, another 2,651 homes were scheduled for court-ordered sales and 2,086 homes were repossessed by lenders.

Among the nation's metropolitan areas, Rockford and Chicago ranked 11th and 13th, respectively, in terms of their foreclosure rates.

Nationally, the number of homes that were repossessed by lenders and became bank-owned rose on a year-over-year basis for the first time  since October 2010, the company said. In November, more than 59,000 homes across the country were repossessed, an increase of 11 percent from October and 5 percent from November 2011.

"The drop in overall foreclosure activity in November was caused largely by a 71-month low in foreclosure starts for the month, more evidence that we are past the worst of the foreclosure problem brought about by the housing bubble bursting six years ago," said Daren Blomquist, a company vice president. "But foreclosures are continuing to hobble the U.S. housing market as lenders finally seize properties that started the process a year or two ago, and much longer in some cases."

mepodmolik@tribune.com | Twitter @mepodmolik

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3 dead after masked gunman opens fire at Portland mall









A suburban Portland mall remains closed while crime scene experts detail the shooting that left three people dead and one wounded and sent Santa and thousands of shoppers running.


Clackamas County sheriff's Sgt. Adam Phillips says the shooter was a man in his 20s who apparently fired at random before taking his own life at the Clackamas Town Center.


There's no known connection between the gunman and the man and woman who were killed and the young woman who was wounded.











Oregon Health & Science University Hospital in Portland says Kristina Shevchenko is in serious condition.


Phillips says Tuesday's shooting at a mall with 7,000 customers and 2,000 employees could have been much worse. Stores and police followed training from a shooting drill at the mall earlier this year.


Clackamas County Sheriff Craig Roberts said the lone gunman died from a self-inflicted gunshot wound and that law enforcement officers who descended on the scene had not fired a single shot inside the mall. A single weapon was recovered.

"The mall is supposed to be a place where we can take our families. He took the lives of two people and a young lady is at the hospital fighting for her life right now," Roberts said.

The wounded victim was taken by helicopter to a hospital where a spokeswoman said she was in serious condition.


The shooting started around 3:30 p.m. It was not clear how long it lasted, but some shoppers and employees hid in fear for at least two hours as teams of police checked to see whether there might be another shooter.A mall spokeswoman directed calls to law enforcement authorities. Clackamas Town Center is one of the Portland area's biggest and busiest malls, with 185 stores and a 20-screen movie theater.


"My thoughts and prayers are with the victims and their families," Oregon Governor John Kitzhaber said in a statement released by his office. "I appreciate the work of the first responders and their quick reaction to this tragic shooting."


Man in Santa suit: 'Hit the floor'


The mall Santa was waiting for the next child's Christmas wish when shots rang out, causing the shopping mall to erupt into chaos.

About to invite a child to hop onto his lap, Brance Wilson instead dove for the floor and kept his head down as he heard shots being fired upstairs in the mall Tuesday afternoon.


"I heard two shots and got out of the chair. I thought a red suit was a pretty good target," said the 68-year-old Wilson. Families waiting for Santa scattered. More shots followed, and Wilson crept away for better cover.


Wilson was among hundreds of horrified people who ducked or ran for cover when a gunman, dressed in camouflage and a mask and possibly wearing body armor, fired dozens of rounds.


Kayla Sprint, 18, was interviewing for a job at a clothing store when she heard shots.


"We heard people running back here screaming, yelling '911,'" she told the AP.


Sprint barricaded herself in the store's back room until the coast was clear.


Jason DeCosta is a manager of a window-tinting company that has a display on the mall's ground floor. When he arrived to relieve his coworker, he heard shots ring out upstairs.


DeCosta ran up an escalator, past people who had dropped for cover and glass littering the floor.


"I figure if he's shooting a gun, he's gonna run out of bullets," DeCosta said, "and I'm gonna take him."


DeCosta said when he got to the food court, "I saw a gentleman face down, obviously shot in the head."


"A lot of blood," DeCosta said. "You could tell there was nothing you could do for him."





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Here’s the Pope’s First Tweet






The long wait is over and we’ve finally got the first words of Twitter wisdom from Pope Benedict XVI. 



Dear friends, I am pleased to get in touch with you through Twitter. Thank you for your generous response. I bless all of you from my heart.






Benedict XVI (@Pontifex) December 12, 2012


Ok, so not that funny, but it was all spelled right and we got blessed by a pope, so that’s a good start. And the Pope did actually send the message himself. Pope Benedict appeared on Wednesday morning for his regular weekly address in front of throngs of media and worshipers, and personally hit the tweet button himself on his iPad. Vatican officials say that before the end of the day he will be answering three questions that were submitted to the #askpontifex hashtag earlier this month. Here’s the first of those:



How can we celebrate the Year of Faith better in our daily lives?


— Benedict XVI (@Pontifex) December 12, 2012



By speaking with Jesus in prayer, listening to what he tells you in the Gospel and looking for him in those in need


— Benedict XVI (@Pontifex) December 12, 2012


He actually tweeted in Italian first and his other language accounts weren’t far behind. Follow @Pontifex for more 140 character sermons.


Social Media News Headlines – Yahoo! News


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Publisher Bonnier, Flingo partner to make Smart TV Apps






NEW YORK (TheWrap.com) – Bonnier, the publisher of magazines like Savuer and Popular Science, and Flingo, the largest publisher of apps for Smart TVs, have partnered to create a series of apps extending Bonnier’s titles onto Internet-enabled TV sets and set-tops boxes like the Roku.


Together, they will release a new app for each magazine, offering videos, images and archival content for fans. Savuer has a couple of web series, including “The Test Kitchen” which helps home chefs learn how to peel garlic or dice an onion. Those videos, currently on Saveur’s website YouTube channel, will resurface in the apps, which will be distributed for free in app markets thanks to advertising and sponsors.






Though smart TVs remain a small segment of the TV market, Bonnier believes it is an ideal platform for leading media companies to extend their brand.


“This is about going after new technologies and being at the forefront,” Sean Holzman, Bonnier’s Chief Brand Development Officer, told TheWrap. “We don’t look closely at what other publishing companies may be doing. Flingo has a universe of 15 million devices and that should double in 2013.”


The emphasis will be on video since research demonstrates that it remains the top activity, even more than gaming.


Ashwin Navin, CEO of Flingo, said that while many media companies are putting secondary titles on Internet-enabled TVs, Bonnier is using its top titles.


“Major media companies aren’t putting their crown jewels on smart TVs,” Navin told TheWrap. He added that when they measure how long users spend online with certain brands, websites register just a few minutes.


“You see 10 times that in a TV app. People are more captive and less ADD.”


TV News Headlines – Yahoo! News


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The New Old Age Blog: The Gift of Reading

This is the year of the tablet, David Pogue of The Times has told us, and that may be good news for seniors who open holiday wrappings to find one tucked inside. They see better with tablets’ adjustable type size, new research shows. Reading becomes easier again.

This may seem obvious — find me someone over 40 who doesn’t see better when fonts are larger — but it’s the business of science to test our assumptions.

Dr. Daniel Roth, an eye specialist and clinical associate professor at the Robert Wood Johnson Medical School in New Brunswick, N.J., offered new evidence of tablets’ potential benefits last month at the annual meeting of the American Academy of Ophthalmology.

His findings, based on tests conducted with 66 adults age 50 and over: older people read faster (a mean reading speed of 128 words per minute) when using an iPad, compared to a newspaper with the same 10-point font size (114 words per minute).

When the font was increased to 18 points — easy to do on an iPad — reading speed increased to 137 words per minute.

“If you read more slowly, it’s tedious,” Dr. Roth said, explaining why reading speed is important. “If you can read more fluidly, it’s more comfortable.”

What makes the real difference, Dr. Roth theorizes, is tablets’ illuminated screen, which heightens contrast between words and the background on which they sit.

Contrast sensitivity — the visual ability to differentiate between foreground and background information — becomes poorer as we age, as does the ability to discriminate fine visual detail, notes Dr. Kevin Paterson, a psychologist at the University of Leicester, who recently published a separate study on why older people struggle to read fine print.

“There are several explanations for the loss of sensitivity to fine detail that occurs with older age,” Dr. Paterson explained in an e-mail. “This may be due to greater opacity of the fluid in the eye, which will scatter incoming light and reduce the quality of the projection of light onto the retina. It’s also hypothesized that changes in neural transmission affect the processing of fine visual detail.”

Combine these changes with a greater prevalence of eye conditions like macular degeneration and diabetic retinopathy in older adults, and you get millions of people who cannot easily do what they have done all their lives — read and stay connected to the world of ideas, imagination and human experience.

“The No. 1 complaint I get from older patients is that they love to read but can’t, and this really bothers them,” Dr. Roth said. The main option has been magnifying glasses, which many people find cumbersome and inconvenient.

Some words of caution are in order. First, Dr. Roth’s study has not been published yet; it was presented as a poster at the scientific meeting and publicized by the academy, but it has not yet gone through comprehensive, rigorous peer review.

Second, Dr. Roth’s study was completed before the newest wave of tablets from Microsoft, Google, Samsung and others became available. The doctor made no attempt to compare different products, with one exception. In the second part of his study, he compared results for the iPad with those for a Kindle. But it was not an apples to apples comparison, because the Kindle did not have a back-lit screen.

This section of his study involved 100 adults age 50 and older who read materials in a book, on an iPad and on the Kindle. Book readers recorded a mean reading speed of 187 words per minute when the font size was set at 12; Kindle readers clocked in at 196 words per minute and iPad readers at 224 words per minute at the same type size. Reading speed improved even more drastically for a subset of adults with the poorest vision.

Again, Apple’s product came out on top, but that should not be taken as evidence that it is superior to other tablets with back-lit screens and adjustable font sizes. Both the eye academy and Dr. Roth assert that they have no financial relationship with Apple. My attempts to get in touch with the company were not successful.

A final cautionary note should be sounded. Some older adults find digital technology baffling and simply do not feel comfortable using it. For them, a tablet may sit on a shelf and get little if any use.

Others, however, find the technology fascinating. If you want to see an example that went viral on YouTube, watch this video from 2010 of Virginia Campbell, then 99 years old, and today still going strong at the Mary’s Woods Retirement Community in Lake Oswego, Ore.

Ms. Campbell’s glaucoma made it difficult for her to read, and for her the iPad was a blessing, as she wrote in this tribute quoted in an article in The Oregonian newspaper:

To this technology-ninny it’s clear
In my compromised 100th year,
That to read and to write
Are again within sight
Of this Apple iPad pioneer

Caregivers might be delighted — as Ms. Campbell’s daughter was — by older relatives’ response to this new technology, a potential source of entertainment and engagement for those who can negotiate its demands. Or, they might find that old habits die hard and that their relatives continue to prefer a book or newspaper they can hold in their hands to one that appears on a screen.

Which reading enhancement products have you used, and what experiences have you had?

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Chicago best housing market -- for buyers













Chicago home sales


A sign stands outside a house for sale in the 4400 block of North Mozart Avenue in Chicago.
(Chris Sweda/ Chicago Tribune / December 12, 2012)





















































The Chicago area again took the top spot in Zillow's ranking of the best real estate markets for homebuyers, an accolade that is unwelcome news to homeowners trying to sell their properties.

The real estate web site also tapped Chicago in July as the best buyer's market among the nation's 30 largest metropolitan areas.

To calculate its rankings, Zillow looked at selling prices versus list prices, the number of days a listing was on Zillow and the percentage of homes in a market with a price cut. Its ranking as the top buyer's market means properties in the Chicago area stay on the market longer, with more frequent price cuts and sell for less than their listing price, all factors that give prospective buyers more power at the negotiating table.

Among the local municipalities, Inverness, Lansing, Rolling Meadows, Winnetka and Darien were ranked as the top five markets for homebuyers. Sellers had the most negotiating power in Plano, Sycamore, Carpentersville, Elgin and Matteson, according to Zillow.

In November, Zillow identified Chicago as the only market of 30 it follows that experienced month-over-month home value declines in October.

mepodmolik@tribune.com | Twitter @mepodmolik


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Off-court victory for Mooseheart team as players ruled eligible

Mooseheart High School head basketball coach Ron Ahrens gives his team a pregame talk after the Illinois High School Association determined that three Sudanese athletes on the team are eligible to play. (Scott Strazzante/Chicago Tribune)









The big moment for the Big Three came about 6:30 p.m. Monday when Mooseheart coach Ron Ahrens delivered the news: The three towering Sudanese students can play basketball for the rest of the season.


For a full 30 seconds, the team hollered, laughed, clapped and celebrated with more than a little relief. A short time earlier, state high school officials had declared the three students eligible to play.


"Get over here, big sugar!" guard Peter Kurowski called to 7-footer Akim Nyang before embracing him.








A few feet away, other teammates hoisted 6-foot-9 Makur Puou on their shoulders and laughed as they gathered in the locker room minutes before taking the court against Hiawatha Senior High School in Kirkland.


"I'm very excited," Puou said. "I'm very happy. I really don't know how I got here. Maybe God."


Mooseheart defeated Hiawatha 66-28.


Earlier that afternoon, the three players addressed the Illinois High School Association's board of directors in Bloomington. Their words had an impact.


After nearly four hours of deliberation, the 10-member IHSA board later voted unanimously that the Sudanese athletes were eligible to play, but the organization also sanctioned the school.


The decision, greeted so joyously by the Mooseheart players, reversed a ruling late last month by the IHSA's executive director, Marty Hickman, that barred 6-foot-7 Mangisto Deng, Nyang and Puou from playing.


The board did not sanction any of the Mooseheart coaches or officials individually, but it prohibited the school from taking part in the IHSA's 2013 state basketball tournament until the school implements a training program for its coaches. The school also is required to complete a review and refinement of its admissions process and submit a compliance plan.


If it completes all three steps to the IHSA's satisfaction before the tournament, Mooseheart will be cleared to participate, officials said.


Mooseheart also must sever contact with a placement organization at the center of the controversy, African Hoop Opportunities Providing an Education, or A-HOPE. The group arranged for the Sudanese players to attend Mooseheart.


Mooseheart engaged in recruiting the three basketball players and a fourth Sudanese teen who is a talented cross-country runner for athletic purposes, Hickman had said. IHSA bylaws prohibit athletic recruitment.


Board President Dan Klett was blunt about the association's view of A-HOPE.


"For the IHSA, we would recommend that they not use A-HOPE," he said. "We don't feel that they meet some of the things we would like to see as far as helping all students, regardless of whether they're basketball players or volleyball players or just kids that want to come over and sing in a choir and get an education."


Klett also said he appreciated how the young men addressed the board.


"They did a very nice job ... presenting to us, speaking to us and explaining their particular situations," Klett said. "And I think that had a big effect on the board. ... Honestly, I don't think they knew what they were getting themselves into. They were just looking for a better life for themselves."


Klett said the fact that the four already served a year of ineligibility factored into the decision to allow them to play. He also said he doesn't fault rivals for bringing the students to the IHSA's attention, saying they have a right to question the students' eligibility.


"I feel sorry that the students had to go through this process, but I think other schools have a right to question it," he said. "I think any reasonable person would have questioned the situation considering that A-HOPE deals strictly with basketball. ... They're tall young men and people look at those things."


The students, he said, explained the difficulty they faced in their home country, and how there was little opportunity for education in Sudan.





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Luke Bryan cleans up at ACAs with 9 awards






Luke Bryan didn’t want the American Country Awards to end.


He cleaned up during the fan-voted show, earning nine awards, including artist and album of the year. His smash hit “I Don’t Want This Night To End” was named single and music video of the year.






Miranda Lambert took home the second most guitar trophies with three. Jason Aldean was named touring artist of the year. Carrie Underwood won female artist of the year, and a tearful Lauren Alaina won new artist of the year.


Bryan, Aldean, Keith Urban, Lady Antebellum and Trace Adkins with Lynyrd Skynrd were among the high-energy performances.


The third annual ACAs were held at Mandalay Bay in Las Vegas Monday night.


___


Online: http://www.theACAs.com


___


Follow http://www.twitter.com/AP_Country for the latest country music news from The Associated Press.


Entertainment News Headlines – Yahoo! News


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Rate of Childhood Obesity Falls in Several Cities


Jessica Kourkounis for The New York Times


At William H. Ziegler Elementary in Northeast Philadelphia, students are getting acquainted with vegetables and healthy snacks.







PHILADELPHIA — After decades of rising childhood obesity rates, several American cities are reporting their first declines.




The trend has emerged in big cities like New York and Los Angeles, as well as smaller places like Anchorage, Alaska, and Kearney, Neb. The state of Mississippi has also registered a drop, but only among white students.


“It’s been nothing but bad news for 30 years, so the fact that we have any good news is a big story,” said Dr. Thomas Farley, the health commissioner in New York City, which reported a 5.5 percent decline in the number of obese schoolchildren from 2007 to 2011.


The drops are small, just 5 percent here in Philadelphia and 3 percent in Los Angeles. But experts say they are significant because they offer the first indication that the obesity epidemic, one of the nation’s most intractable health problems, may actually be reversing course.


The first dips — noted in a September report by the Robert Wood Johnson Foundation — were so surprising that some researchers did not believe them.


Deanna M. Hoelscher, a researcher at the University of Texas, who in 2010 recorded one of the earliest declines — among mostly poor Hispanic fourth graders in the El Paso area — did a double-take. “We reran the numbers a couple of times,” she said. “I kept saying, ‘Will you please check that again for me?’ ”


Researchers say they are not sure what is behind the declines. They may be an early sign of a national shift that is visible only in cities that routinely measure the height and weight of schoolchildren. The decline in Los Angeles, for instance, was for fifth, seventh and ninth graders — the grades that are measured each year — between 2005 and 2010. Nor is it clear whether the drops have more to do with fewer obese children entering school or currently enrolled children losing weight. But researchers note that declines occurred in cities that have had obesity reduction policies in place for a number of years.


Though obesity is now part of the national conversation, with aggressive advertising campaigns in major cities and a push by Michelle Obama, many scientists doubt that anti-obesity programs actually work. Individual efforts like one-time exercise programs have rarely produced results. Researchers say that it will take a broad set of policies applied systematically to effectively reverse the trend, a conclusion underscored by an Institute of Medicine report released in May.


Philadelphia has undertaken a broad assault on childhood obesity for years. Sugary drinks like sweetened iced tea, fruit punch and sports drinks started to disappear from school vending machines in 2004. A year later, new snack guidelines set calorie and fat limits, which reduced the size of snack foods like potato chips to single servings. By 2009, deep fryers were gone from cafeterias and whole milk had been replaced by one percent and skim.


Change has been slow. Schools made money on sugary drinks, and some set up rogue drink machines that had to be hunted down. Deep fat fryers, favored by school administrators who did not want to lose popular items like French fries, were unplugged only after Wayne T. Grasela, the head of food services for the school district, stopped buying oil to fill them.


But the message seems to be getting through, even if acting on it is daunting. Josh Monserrat, an eighth grader at John Welsh Elementary, uses words like “carbs,” and “portion size.” He is part of a student group that promotes healthy eating. He has even dressed as an orange to try to get other children to eat better. Still, he struggles with his own weight. He is 5-foot-3 but weighed nearly 200 pounds at his last doctor’s visit.


“I was thinking, ‘Wow, I’m obese for my age,’ ” said Josh, who is 13. “I set a goal for myself to lose 50 pounds.”


Nationally, about 17 percent of children under 20 are obese, or about 12.5 million people, according to the Centers for Disease Control and Prevention, which defines childhood obesity as a body mass index at or above the 95th percentile for children of the same age and sex. That rate, which has tripled since 1980, has leveled off in recent years but has remained at historical highs, and public health experts warn that it could bring long-term health risks.


Obese children are more likely to be obese as adults, creating a higher risk of heart disease and stroke. The American Cancer Society says that being overweight or obese is the culprit in one of seven cancer deaths. Diabetes in children is up by a fifth since 2000, according to federal data.


“I’m deeply worried about it,” said Francis S. Collins, the director of the National Institutes of Health, who added that obesity is “almost certain to result in a serious downturn in longevity based on the risks people are taking on.”


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HSBC to pay record $1.9B fine









HSBC has agreed to pay a record $1.92 billion fine to settle a multi-year probe by U.S. prosecutors, who accused Europe's biggest bank of failing to enforce rules designed to prevent the laundering of criminal cash.

HSBC Holdings Plc admitted to a breakdown of controls and apologised in a statement on Tuesday announcing it had reached a deferred-prosecution agreement with the U.S. Department of Justice, as first reported by Reuters last week.

"We accept responsibility for our past mistakes. We have said we are profoundly sorry for them, and we do so again. The HSBC of today is a fundamentally different organisation from the one that made those mistakes," said Chief Executive Stuart Gulliver.

"Over the last two years, under new senior leadership, we have been taking concrete steps to put right what went wrong and to participate actively with government authorities in bringing to light and addressing these matters."

The deferred prosecution agreement, when detailed by U.S. Justice Department officials later on Tuesday, could yield new information about a failure at HSBC to police transactions linked to Mexico, sources familiar with the matter said.

Details of those dealings were reported this summer in a sweeping U.S. Senate probe. 

The Senate panel alleged that HSBC failed to maintain controls designed to prevent money laundering by drug cartels, terrorists a nd tax cheats, when acting as a financier to clients routing funds from places including Mexico, Iran and Syria.

The bank was unable to properly monitor $15 billion in bulk cash transactions between mid-2006 and mid-2009, and had i nadequate staffin g a nd high turnover in it s c ompliance units, July's re port said.

HSBC on Tuesday said it expected to also reach a settlement with British watchdog the Financial Services Authority. The FSA declined to comment.

U.S. and European banks have now agreed to settlements with U.S. regulators totalling some $5 billion in recent years on charges they violated U.S. sanctions and failed to police potentially illicit transactions.

No bank or bank executives, however, have been indicted, as prosecutors have instead used deferred prosecutions - under which criminal charges against a firm are set aside if it agrees to conditions such as paying fines and changing behaviour.

HSBC's settlement also includes agreements or consent orders with the Manhattan district attorney, the Federal Reserve and three U.S. Treasury Department units: the Office of Foreign Assets Control, the Comptroller of the Currency and the Financial Crimes Enforcement Network.

HSBC said it would pay $1.921 billion, continue to cooperate fully with regulatory and law enforcement authorities and take further action to strengthen its compliance policies and procedures. U.S. prosecutors have agreed to defer or forego prosecution.

The settlement is the third time in a decade that HSBC has been penalized for lax controls and ordered by U.S. authorities to better monitor suspicious transactions. Directives by regulators to improve oversight came in 2003 and again in 2010.

Last month, HSBC told investors it had set aside $1.5 billion to cover fines or penalties stemming from the inquiry and warned costs could be significantly higher.

Analyst Jim Antos of Mizuho Securities said the settlement costs were "trivial" in terms of the company's book value.

"But in terms of real cash terms, that's a huge fine to pay," said Antos, who rates HSBC a "buy".

HSBC shares dipped 0.3 percent in early London trading to 63 9 pe nce, in line with a slightly weaker European bank index . I ts Ho ng Kong stock nudged up 0.3 percent to HK$79.70.

"It has been damaging for the brand, albeit not as bad as it might have been," said Ian Gordon, analyst at Investec Securities in London.

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