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(Reuters) - Superstorm Sandy punished low-income people in New York and New Jersey, especially renters who are now at risk of being unable to find new homes, according to a pair of studies released on Wednesday said.
Forty-three percent of the 518,000 households in New York and New Jersey asking for federal aid after Superstorm Sandy reported annual incomes of less than $30,000, according to the study from the affordable housing financing firm Enterprise Community Partners.
Of those making claims to the Federal Emergency Management Agency (FEMA) as of mid-February, 68 percent of renters and 24 percent of homeowners were low-income, the Enterprise study said.
Low-income renters were vulnerable to being left without affordable housing, according to another study from the Furman Center at New York University.
Sandy crashed ashore with a record sea surge on October 29, damaging or destroying hundreds of thousands of homes and commercial buildings, mostly in low-lying coastal areas of New York and New Jersey.
U.S. lawmakers approved a $50 billion federal aid package aimed at helping homeowners, businesses, states and cities. A full picture of the economic damage is still unfolding.
Floodwaters from the storm damaged 402 public housing buildings with more than 35,000 units in New York City, the Furman Center study found. That amounts to "more public housing units than the entire stock of any other public housing authority in the country" except Puerto Rico, it said.
The split of FEMA claims between New York and New Jersey residents was roughly equal. The number of homeowners with uninsured damage was 60 percent higher in New York, the Enterprise study said.
About a fifth of all FEMA claims were filed by households making more than $90,000 a year, Enterprise found.
(Reporting by Hilary Russ; Editing by Daniel Trotta and Phil Berlowitz)
Source: http://news.yahoo.com/superstorm-sandy-battered-poor-hardest-studies-show-061205713.html
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HIGASHI-MATSUSHIMA, Japan (Reuters) - The tsunami that engulfed northeastern Japan two years ago has left some survivors believing they are seeing ghosts.
In a society wary of admitting to mental problems, many are turning to exorcists for help.
Tales of spectral figures lined up at shops where now there is only rubble are what psychiatrists say is a reaction to fear after the March 11, 2011, disaster in which nearly 19,000 people were killed.
"The places where people say they see ghosts are largely those areas completely swept away by the tsunami," said Keizo Hara, a psychiatrist in the city of Ishinomaki, one of the areas worst-hit by the waves touched off by an offshore earthquake.
"We think phenomena like ghost sightings are perhaps a mental projection of the terror and worries associated with those places."
Hara said post-traumatic stress disorder (PTSD) might only now be emerging in many people, and the country could be facing a wave of stress-related problems.
"It will take time for PTSD to emerge for many people in temporary housing for whom nothing has changed since the quake," he said.
Shinichi Yamada escaped the waves that destroyed his home and later salvaged two Buddhist statues from the wreckage. But when he brought them back to the temporary housing where he lived, he said strange things began to happen.
His two children suddenly got sick and an inexplicable chill seemed to follow the family through the house, he said.
"A couple of times when I was lying in bed, I felt something walking across me, stepping across my chest," Yamada told Reuters.
Many people in Japan hold on to ancient superstitions despite its ultra-modern image.
Yamada, like many other people in the area, turned to exorcist Kansho Aizawa for help.
Aizawa, 56, dressed in a black sweater and trousers and with dangling pearl earrings, said in an interview in her home that she had seen numerous ghosts.
"There are headless ghosts, and some missing hands or legs. Others are completely cut in half," she said. "People were killed in so many different ways during the disaster and they were left like that in limbo. So it takes a heavy toll on us, we see them as they were when they died."
In some places destroyed by the tsunami, people have reported seeing ghostly apparitions queuing outside supermarkets which are now only rubble. Taxi drivers said they avoided the worst-hit districts for fear of picking up phantom passengers.
"At first, people came here wanting to find the bodies of their family members. Then they wanted to find out exactly how that person died, and if their spirit was at peace," Aizawa said.
As time passed, people's requests changed.
"They've started wanting to transmit their own messages to the dead," Aizawa said.
Shinichi Yamada said life had improved since he put the two Buddhist statues in a shrine and prayed. He still believes the statues are haunted, but now thinks their spirits are at peace.
(Writing by Elaine Lies)
Source: http://news.yahoo.com/haunted-trauma-tsunami-survivors-japan-turn-exorcists-182857421.html
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The Dow Jones industrial average just set a record high. Feel rich yet?
With the economic recovery still lumbering along, you could be forgiven for scratching your head rather than tossing confetti. But the journey to a new high took more than five years, starting just before the financial crisis and the Great Recession, and it's a milestone that matters to tens of millions of Americans.
Three big questions about the Dow?s big day:
1. Have I missed the boat?
Yes and no.
The market surge began in the thick of the recession. And it?s been one for the history books. The Dow?s closing low was 6,547.05 on March 9, 2009, which means that if you?ve kept your cash out of stocks, you?ve missed a double-your-money rally and then some.
If you?ve been too skittish to jump back in, you?ve got company. Investors have pulled more money out of stock mutual funds than they have put in every year since the Dow?s last peak in 2007.
Only this January, when the market was near a five-year high, did they start consistently putting money in, according to data from the Investment Company Institute, which tracks so-called fund flows.
The good news: Money managers say the market still has room to run.
?If you look for those things that tell you it?s too late ? signals that say the end of the bull market is close, the end of the economic recovery is close ? the answer is we don?t have those signals,? said Hugh Johnson, chief investment officer and chief economist at Hugh Johnson Advisers, an asset management company in Albany, N.Y.
Among other factors, Johnson says he?s encouraged by the so-called index of leading economic indicators, which points to a sluggish but still growing economy.
And since the market?s most recent rally began last June, he points out, stocks that generally hold more risk, like companies whose fortunes rise and fall with the economy, have performed better than safer stocks, like utilities.
And because corporate profits keep rising, stocks are still reasonably priced by historical standards. Investment experts often judge whether stocks are cheap or expensive by comparing the prices to how much money the companies are earning.
?We get good news after good news for companies,? CNBC?s Jim Cramer said Tuesday. ?How do you get people to get out of stocks when Qualcomm gives you great news or Google? Google is making a lot of money. All they seem to do is get stronger.?
Some market experts say it?s better to wait for a slight pullback in the market, then get in.
?We now believe we are at the first of three market pivot points this year and suspect a drop is now likely to unfold over the next several months,? Craig W. Johnson and Leah Williams of the investment bank Piper Jaffray said in a market analysis. Such a drop, they said, could be ?the single-best buying opportunity this year.?
2. Isn?t all this just about the fortunes of Wall Street itself ? the 1 percent?
Not if you have a 401(k) plan, an IRA or any other retirement account tied to the stock market.
Index funds, which track the major market indexes stock-for-stock, have soared in popularity over the past two decades because they carry extremely low fees and leave less to the success or failure of money managers.
The most popular of these funds track the Standard & Poor?s 500 index, which hasn?t quite beaten its record but has logged an even more impressive rally since 2009 than the Dow. It?s up 127 percent.
Something else to consider is what?s known as the wealth effect, the idea that people are more comfortable spending money when they feel wealthier. Headlines about the stock market?s record run only help.
?Consumer spending is not what it should be ? a 2 percent growth rate, and it should be closer to 3 ? but it?s getting better,? Johnson says. ?It tends to feed on itself. It makes people feel better.?
3. So why don?t I feel wealthier?
Because you?re not ? at least not judging by the other statistics that are close to Americans? pocketbooks, and certainly not compared with the boom years of the mid-2000s.
Household income in the United States, measured by what the median family makes and adjusted for inflation, has fallen every year since 2007, according to the Census Bureau.
The figure for 2011, the most recent year for which data are available, was $50,054, about $4,400 less than at the peak.
Home values ? the biggest source of wealth for most Americans ? have been on a tear, but it?s going to take them a lot longer than it took the stock market to recover the ground they lost during the crash and recession.
Home prices in January were almost 10 percent higher than a year ago, the data analysis company CoreLogic said Tuesday, and they rose in every state but Delaware and Illinois.
But home prices are still 26 percent below their peak, in April 2006. And that?s to say nothing of a 7.9 percent unemployment rate. And gas prices marching steadily higher. And never-ending budget squabbles in Washington.
On top of all that, unless your boss was feeling holiday cheer and gave you an end-of-the-year raise, your paycheck is a little smaller than it was at the end of last year.
That?s because Washington allowed a two-year cut in the payroll tax, which pays for Social Security, to expire. The cut was 2 percentage points, so if you pull in $50,000 a year, your paycheck is shrinking by $1,000, or about $40 every two-week pay period.
So it?s worth keeping the good times on Wall Street in perspective.
?I think we expect too much out of the market,? Nicolas Colas, chief market strategist for Convergex Group, a technology company that serves investment advisers and hedge funds, told CNBC. ?We expect it to be the central litmus test for social welfare. Really, it?s just a measure of corporate profitability.?
One other reason to buy stocks: They?re the only game in town. Other places that looked like surer bets aren?t so sure anymore.
The yield on the 10-year U.S. Treasury note, what the government will pay you every year to lend it money, is below 2 percent. As recently as 2006, it was above 5 percent.
Warren Buffett ? preacher of the buy-and-hold stock strategy, so-called Oracle of Omaha and probably the most famous investor in America ? told CNBC earlier this week that stocks are still cheaper than other forms of investment.
?Anything I bought at $80, I don?t like as well at $100,? he said. ?They?re not as cheap as they were four years ago, but you get more for your money.?
Source: http://www.nbcnews.com/business/economywatch/what-dow-record-means-you-1C8701252
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Mar. 4, 2013 ? The discovery and analysis of an extremely rare African American Y chromosome pushes back the time of the most recent common ancestor for the Y chromosome lineage tree to 338,000 years ago. This time predates the age of the oldest known anatomically modern human fossils.
University of Arizona geneticists have discovered the oldest known genetic branch of the human Y chromosome -- the hereditary factor determining male sex.
The new divergent lineage, which was found in an individual who submitted his DNA to Family Tree DNA, a company specializing in DNA analysis to trace family roots, branched from the Y chromosome tree before the first appearance of anatomically modern humans in the fossil record.
The results are published in the American Journal of Human Genetics.
"Our analysis indicates this lineage diverged from previously known Y chromosomes about 338,000 ago, a time when anatomically modern humans had not yet evolved," said Michael Hammer, an associate professor in the University of Arizona's department of ecology and evolutionary biology and a research scientist at the UA's Arizona Research Labs. "This pushes back the time the last common Y chromosome ancestor lived by almost 70 percent."
Unlike the other human chromosomes, the majority of the Y chromosome does not exchange genetic material with other chromosomes, which makes it simpler to trace ancestral relationships among contemporary lineages. If two Y chromosomes carry the same mutation, it is because they share a common paternal ancestor at some point in the past. The more mutations that differ between two Y chromosomes the farther back in time the common ancestor lived.
Originally, a DNA sample obtained from an African American living in South Carolina was submitted to the National Geographic Genographic Project. When none of the genetic markers used to assign lineages to known Y chromosome groupings were found, the DNA sample was sent to Family Tree DNA for sequencing. Fernando Mendez, a postdoctoral researcher in Hammer's lab, led the effort to analyze the DNA sequence, which included more than 240,000 base pairs of the Y chromosome.
Hammer said "the most striking feature of this research is that a consumer genetic testing company identified a lineage that didn't fit anywhere on the existing Y chromosome tree, even though the tree had been constructed based on perhaps a half-million individuals or more. Nobody expected to find anything like this."
About 300,000 years ago, the time the Neanderthals are believed to have split from the ancestral human lineage. It was not until more than 100,000 years later that anatomically modern humans appear in the fossil record. They differ from the more archaic forms by a more lightly built skeleton, a smaller face tucked under a high forehead, the absence of a cranial ridge and smaller chins.
Hammer said the newly discovered Y chromosome variation is extremely rare. Through large database searches, his team eventually was able to find a similar chromosome in the Mbo, a population living in a tiny area of western Cameroon in sub-Saharan Africa.
"This was surprising because previously the most diverged branches of the Y chromosome were found in traditional hunter-gatherer populations such as Pygmies and the click-speaking KhoeSan, who are considered to be the most diverged human populations living today."
"Instead, the sample matched the Y chromosome DNA of 11 men, who all came from a very small region of western Cameroon," Hammer said. "And the sequences of those individuals are variable, so it's not like they all descended from the same grandfather."
Hammer cautions against popular concepts of "mitochondrial Eve" or "Y chromosome Adam" that suggest all of humankind descended from exactly one pair of humans that lived at a certain point in human evolution.
"There has been too much emphasis on this in the past," he said. "It is a misconception that the genealogy of a single genetic region reflects population divergence. Instead, our results suggest that there are pockets of genetically isolated communities that together preserve a great deal of human diversity."
Still, Hammer said, "It is likely that other divergent lineages will be found, whether in Africa or among African-Americans in the U.S. and that some of these may further increase the age of the Y chromosome tree."
He added: "There has been a lot of hype with people trying to trace their Y chromosome to different tribes, but this individual from South Carolina can say he did it."
The study came about by combined efforts of a private business, Family Tree DNA, the efforts of a citizen scientist, Bonnie Schrack, and the research capabilities at the UA.
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The above story is reprinted from materials provided by University of Arizona. The original article was written by Daniel Stolte.
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