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In today’s market, with home prices rising and a lack of inventory, some homeowners may consider trying to sell their home on their own, known in the industry as a For Sale by Owner (FSBO). There are several reasons why this might not be a good idea for the vast majority of sellers.

Here are the top five reasons:

1. Exposure to Prospective Buyers

According to the Novica Sterling silver waterfall earrings Genealogy MGoZXEgyT
from NAR, last year 95% of buyers search online for a home. That is in comparison to only 15% looking at print newspaper ads. Most real estate agents have an internet strategy to promote the sale of your home. Do you?

2. Results Come from the Internet

Where did buyers find the home they actually purchased?

The days of selling your house by just putting up a sign and putting it in the paper are long gone. Having a strong internet strategy is crucial.

3. There Are Too Many People to Negotiate With

Here is a of some of the people with whom you must be prepared to negotiate if you decide to For Sale by Owner:

4. FSBOing Has Become More And More Difficult

The paperwork involved in selling and buying a home has increased dramatically as industry disclosures and regulations have become mandatory. This is one of the reasons that the percentage of people FSBOing has dropped from 19% to 8% over the last 20+ years.

5. You Net More Money When Using an Agent

Many homeowners believe that they will save the real estate commission by selling on their own. Realize that the main reason buyers look at FSBOs is because they also believe they can save the real estate agent’s commission. The seller and buyer can’t both save the commission.

A study by Collateral Analytics revealed that FSBOs don’t actually save anything, and in some cases, may be costing themselves more, by not listing with an agent. One of the main reasons for the price difference at the time of sale is:

“Properties listed with a broker that is a member of the local MLS will be listed online with all other participating broker websites, marketing the home to a much larger buyer population. And those MLS properties generally offer compensation to agents who represent buyers, incentivizing them to show and sell the property and again potentially enlarging the buyer pool.”

If more buyers see a home, the greater the chances are that there could be a bidding war for the property. The study showed that the difference in price between comparable homes of size and location is currently at an average of 6% this year.

Why would you choose to list on your own and manage the entire transaction when you can hire an agent and not have to pay anything more?

Bottom Line

Before you decide to take on the challenges of selling your house on your own, sit with a real estate professional in your marketplace and see what they have to offer.

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Continuous interest over the course of In for treatment;  = 21; from Tan and Van den Boom (1992). Interest was registered every second using a slider rating device. Measurement was validated by self-report interest ratings. Numbers under the abscissa represent subsequent scenes. 1–6: prolog; 7–18: complication, 19–20 development; 24: climax followed by epilog.

Full size image

A brief glance at the success rates of films featuring sad, violent or horrific content illustrates the appeal that unpleasant emotions can have to audiences at large. Münsterberg already objected to vicious effects of violent and repulsive imagery in 1910s photoplays, contents that he observed to be worryingly attractive. The psychology of the film holds various explanations in stock, but none as yet chosen. The best documented proposal is Menninghaus et al.’s distancing-embracing model that stipulates two complmentary mechanisms. One rids painful, disgusting or otherwise unpleasant aesthetic stimuli from an impact that would prevent any enjoyment or appreciation of the stimulus. The other allows for experiences that are 'intense, more interesting, more emotionally moving, more profound, and occasionally even more beautiful' (Menninghaus et al., , p. 1). The model is meant to explain the prevalence of negative emotion in all art forms, and harbours a great many classical approaches to the issue. Media psychologists have proposed what I think are regulation accounts of the pleasures of negative emotion. An emotion such as horror results from appraisal of monsters etc. as threatening and repulsive, but the emotion itself, too, can be subject to appraisal. Likewise, your crying in the cinema may induce embarrassment upon your realising that it is only a film you are watching. Zales 1 CT Tw Diamond Honeycomb Ring in 14K Rose Gold 2QcyGYAKg
Serious drama, the contents of which can be appraised as poignant or thought-provoking (Oliver and Hartmann, ), and more in particular independent arthouse titles that tend to provoke appreciation and elevation rather than enjoyment seem to compensate the most painful experiences they offer by a high instruction or (self-) reflection potential (Oliver Bartsch, ). They offer continuous promises of broadening insights or revising one’s views of the world and the self, possibly only materialising to the full long after the show. In my own work I have pointed at the modulating effects of genre schemas (Tan Visch, 2017) and narrative interest on negative emotions. Footnote 76

In closing the sections on film-induced emotion we need to note that the account of the cognitive appraisal of emoting events given here is simplified. Even straightforward film narratives can have complexities in terms, e.g., of plot lines, or character and narrator perspective that affect the intricacies of emotional events. I refer readers to Oatley’s (; ) discussion of in this sense more sophisticated appraisals of fictional events. More generally, film psychological research is needed into the use of more complex TOM heuristics in the comprehension of film narrative, and in emotional appraisals of film events.

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September 18, 2014 N Engl J Med 2014; 371:1084-1086 DOI: 10.1056/NEJMp1409494

Article

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Ebola Virus Cases and Deaths in West Africa (Guinea, Liberia, Nigeria, and Sierra Leone), as of August 11, 2014 (Panel A), and Over Time (Panel B).

Data are from the World Health Organization ( Novica Sterling silver hoop earrings Braided Grass KlqKCFgyX
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An outbreak of Ebola virus disease (EVD) has jolted West Africa, claiming more than 1000 lives since the virus emerged in Guinea in early 2014 (see ITSY BITSY Itsy Bitsy Simulated Drop Earrings 7PeV1c
). The rapidly increasing numbers of cases in the African countries of Guinea, Liberia, and Sierra Leone have had public health authorities on high alert throughout the spring and summer. More recent events including the spread of EVD to Nigeria (Africa's most populous country) and the recent evacuation to the United States of two American health care workers with EVD have captivated the world's attention and concern. Health professionals and the general public are struggling to comprehend these unfolding dynamics and to separate misinformation and speculation from truth.

EVD, originally identified in 1976 in Yambuku, Zaire (now the Democratic Republic of Congo), and Nzara, South Sudan, is caused by an RNA virus in the filovirus family. “Ebola” (named after a river in Zaire) encompasses five separate species — and . is not known to cause disease in humans, but the fatality rates in outbreaks of the other four species have ranged from 25 to 90%. The strain currently circulating in West Africa bears 97% homology to samples found in the Democratic Republic of Congo and Gabon. This strain has historically resulted in the highest mortality (90%), although the estimated case fatality rate in the current outbreak is less than 60%.

Outbreaks probably originate from an animal reservoir and possibly involve additional intermediary species. The most likely reservoir appears to be a fruit bat, although that linkage has not been confirmed. Transmission to humans may have occurred through direct contact with tissue or bodily fluids from an infected animal. Notably, Ebola virus is a zoonotic pathogen, and its circulation among humans is uncommon, which explains the intermittent and unpredictable nature of outbreaks. In fact, although the virus has caused more than 20 outbreaks since its identification in 1976, it had caused fewer than 1600 deaths before 2014, with case counts ranging from a handful to 425 in the Ugandan outbreak of 2000 and 2001. In most instances, the virus emerged in geographically restricted, rural regions, and outbreaks were contained through routine public health measures such as case identification, contact tracing, patient isolation, and quarantine to break the chain of virus transmission.

In early 2014, EVD emerged in a remote region of Guinea near its borders with Sierra Leone and Liberia. Since then, the epidemic has grown dramatically, fueled by several factors. First, Guinea, Sierra Leone, and Liberia are resource-poor countries already coping with major health challenges, such as malaria and other endemic diseases, some of which may be confused with EVD. Next, their borders are porous, and movement between countries is constant. Health care infrastructure is inadequate, and health workers and essential supplies including personal protective equipment are scarce. Traditional practices, such as bathing of corpses before burial, have facilitated transmission. The epidemic has spread to cities, which complicates tracing of contacts. Finally, decades of conflict have left the populations distrustful of governing officials and authority figures such as health professionals. Add to these problems a rapidly spreading virus with a high mortality rate, and the scope of the challenge becomes clear.

Although the regional threat of Ebola in West Africa looms large, the chance that the virus will establish a foothold in the United States or another high-resource country remains extremely small. Although global air transit could, and most likely will, allow an infected, asymptomatic person to board a plane and unknowingly carry Ebola virus to a higher-income country, containment should be readily achievable. Hospitals in such countries generally have excellent capacity to isolate persons with suspected cases and to care for them safely should they become ill. Public health authorities have the resources and training necessary to trace and monitor contacts. Protocols exist for the appropriate handling of corpses and disposal of biohazardous materials. In addition, characteristics of the virus itself limit its spread. Numerous studies indicate that direct contact with infected bodily fluids — usually feces, vomit, or blood — is necessary for transmission and that the virus is not transmitted from person to person through the air or by casual contact. Isolation procedures have been clearly outlined by the Centers for Disease Control and Prevention (CDC). A high index of suspicion, proper infection-control practices, and epidemiologic investigations should quickly limit the spread of the virus.

Frequency of Symptoms Reported in 103 Cases of Ebola Virus Disease in Kikwit, Democratic Republic of Congo, in 1995.

Recognizing the signs of EVD can be challenging, however, since early symptoms are nonspecific (see Novica Cultured pearl beaded bracelet Chihuahua Love w1dN9
). It is essential to obtain a careful and prompt travel history. The incubation period typically lasts 5 to 7 days, although it can be as short as 2 days and as long as 21 days. Blood specimens usually begin to test positive on polymerase-chain-reaction–based diagnostics 1 day before symptoms appear. Typical symptoms include fever, profound weakness, and diarrhea. A maculopapular rash has been described, as have laboratory abnormalities including elevated aminotransferase levels, marked lymphocytopenia, and thrombocytopenia. Hemorrhagic complications occur in fewer than half of infected persons, and gross bleeding is relatively rare.

Once Ebola virus is suspected, the CDC can confirm diagnoses with the use of a diagnostic test approved under an Emergency Use Authorization. Public health measures such as early isolation and infection control are critical. In addition, aggressive supportive care should be administered. Advanced hemodynamic monitoring and interventions that are available in hospitals throughout the United States could result in much higher survival rates than those currently seen in West Africa. With regard to the international transport of patients, the benefits of advanced life-support capabilities that are available in resource-rich countries must be weighed against the risks of air transport, given the hemodynamic instability associated with EVD.

Recently, substantial attention has been paid to unlicensed therapies and vaccines. Among the therapies in development is a “cocktail” of humanized-mouse antibodies (“ZMapp”), which has shown promise in nonhuman primates. ZMapp was administered to two U.S. citizens who were recently evacuated from Liberia to Atlanta, and both patients have had clinical improvement. However, it is not clear whether ZMapp led to the recovery, and with only two cases, conclusions regarding its efficacy should be withheld. Moreover, the supply of ZMapp remains limited to a handful of doses, and production scale-up, though under way, will take time. Other candidate therapeutics include RNA-polymerase inhibitors and small interfering RNA nanoparticles that inhibit protein production.

Preclinical evaluation of several vaccine candidates is also under way, and it is anticipated that a candidate developed at the National Institutes of Health will enter a phase 1 trial this fall, pending a decision from the Food and Drug Administration. This vaccine, a chimpanzee adenovirus-vector vaccine, includes two inserted Ebola genes encoding glycoproteins. Two other vaccine candidates involve vesicular stomatitis virus pseudotypes. Human clinical testing of one of these vaccines is expected to begin in early 2015.

While these interventions remain on accelerated development paths, public health measures are available today that have a proven record of controlling EVD outbreaks. Moreover, premature deployment of unproven interventions could cause inadvertent harm, compromising an already strained relationship between health care professionals and patients in West Africa. Rapid but proper evaluation of candidate therapies and vaccines is needed. Should exemptions be offered for compassionate or emergency use, distribution of scarce interventions must be conducted with careful ethical guidance and regulatory review. It is unlikely that any miracle cure will end the current epidemic. Rather, sound public health practices, engagement with affected communities, and considerable international assistance and global solidarity will be needed to defeat Ebola in West Africa.

Disclosure forms provided by the author are available with the full text of this article at NEJM.org.

This article was published on August 13, 2014, at NEJM.org.

From the National Institute of Allergy and Infectious Diseases, National Institutes of Health, Bethesda, MD.

Feldmann H, Geisbert TW. Ebola haemorrhagic fever. ;377:-

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Alcohol

“Money, like vodka, turns a man into an eccentric,” Russia’s great playwright Anton Chekhov once wrote. Now it turns out Russia may have too much of one and not enough of the other, as exports of the nation’s favorite spirit hit a 10-year low.

Russian exports of vodka and other alcoholic beverages dropped by a staggering 40 percent over the course of 2015, according to Russian national business daily Kommersant , the worst export rate for Russian liquor since 2005.

The country’s main vodka exporter is still Roust, the company that carries Russian Standard vodka among other brands, however a source inside the company told Kommersant that its own exports have dropped by 29 percent.

According to industry stats obtained by the newspaper, one of the main reasons for the drop has been a decrease in demand across the West and, most dramatically, in Ukraine.

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Prior to the collapse in Russian-Ukrainian relations over the east Ukraine conflict and the annexation of Crimea, Russia’s annual alcohol exports to Ukraine were estimated at $38 million. Now, according to Kommersant , the figure is closer to $3.87 million.

Meanwhile, the U.K., currently the largest importer of Russian vodka, and Germany are also buying less of the drink.

Vadim Drobiz, director of the Russian Federal and Regional Center for the Study of the Alcohol Market (CIFRA), believes it is not a case of the West losing a taste for vodka but that current affairs have turned consumers off of Russian products.

Keep up with this story and more by subscribing now

“Due to the events in Ukraine and Syria, the attitude towards Russia in the West has worsened and that could be the main reason for the drop in sales of Russian vodka,” he said.

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Marlboro’s annual seven-week season takes place from late June through mid-August on the campus of Marlboro College in Marlboro, Vermont. Marlboro is not a typical school or festival. There is no faculty, no formal curriculum in the usual sense, no regular orchestra or soloists, and no private lessons. Instead, the focus is on advanced artistic development and the intensive, collaborative exploration of chamber music. The Marlboro program is led by Artistic Director Mitsuko Uchida in consultation with a committee of resident senior artists.

Marlboro participants are young professional concert artists, symphony orchestra members, chamber music artists, and, in rare instances, exceptionally gifted conservatory or university students. The musicians are expected to be in residence for the full seven-week season and to be available to rehearse any day of the week—studying and rehearsing works in great depth from the vast chamber music repertoire with primary concern for the music itself. The program includes informal musical gatherings, workshops and seminars, and other social gatherings. After three weeks of rehearsals, five weekends of public concerts are held as an outgrowth of the ongoing study program. The concerts include just a small portion of the many works that are explored each week, and no participant is assured of performing.

Generally, there are 75 to 80 musicians in residence each season. Most of the instrumentalists are young professionals in their 20s; vocal participants are sometimes slightly older. Applicants younger than 18 years of age are not usually accepted.

Marlboro provides considerable fellowship support to help cover room, board, and other costs. However, participants are expected to contribute some amount toward these expenses; exact amounts are determined on the basis of individual financial need. Participants are not paid to perform.

The works rehearsed at Marlboro are selected from requests submitted by the participating musicians. They encompass a wide chamber music repertoire including new music by resident composers. Only a limited number of the works studied can be performed at the weekend or at informal concerts. Therefore, while each participant has an active rehearsal schedule, no one is assured of performing. Participants should attend for the purpose of intensive learning and artistic development.

Only Marlboro participants perform in the concerts—no outside artists are engaged. Typically, concert programs are not planned or announced in advance but are instead selected a week or so in advance from the many works studied and prepared throughout the season. Marlboro artists are not paid to perform, and all ticket revenue (which comprises less than 15% of the annual budget) helps to support the educational program.

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