Smartphones, tablets spark “post-pie” Thanksgiving sales

(Reuters) – Retailers are targeting “post-pie” commerce, the jump in shopping created by the boom in smartphones and tablet computers which Thanksgiving diners grab as they collapse onto the couch after eating turkey and pumpkin pie.

While people relax with family and friends or watch football on TV, they are increasingly shopping online with these mobile gadgets, creating a surge in traffic and purchases that retailers are beginning to target for the first time this year.

“This is a new shoppable moment,” said Steve Yankovich, who heads the mobile business of eBay Inc, operator of the largest online marketplace.

Before the rise of smartphones and tablets, it was socially unacceptable to pull out a laptop after Thanksgiving dinner, or head to a home office to fire up a desktop computer, Yankovich explained.

“With a tablet or smartphone you don’t get that reaction,” he added.

EBay recently surveyed more than 1,000 shoppers in the United States about their holiday shopping plans. Almost two thirds said holiday sales should begin after Thanksgiving dinner and respondents said their meals would end, on average, at 5:23 p.m. EST.

Based on that feedback, eBay plans to launch 20 mobile-only deals through its eBay Mobile application at 5:23 p.m. EST this Thanksgiving. The company plans 20 more at 5:23 p.m. PST for West Coast shoppers.

Other retailers including Toys “R” Us, HSN Inc, Rue La La and ideeli are also targeting mobile shoppers this Thanksgiving in the evening.

“The iPad holiday sales season starts at the point of indigestion while you’re sitting on the couch after Thanksgiving dinner,” said Ben Fischman, chief executive of Rue La La, which specializes in online limited-time fashion sales events known as flash sales.

Post-pie commerce is the latest example of how mobile devices, in particular Apple Inc’s iPad and iPhone, are changing consumer behavior and forcing retailers to adapt quickly.

The holiday shopping season traditionally kicks off with Black Friday, the day after Thanksgiving when shoppers use a day off from work to head to stores.

The following Monday became a big online shopping day known as Cyber Monday because people returned to the office and shopped using their office computers.

Now Thanksgiving is emerging as a big new shopping day online. The value of e-commerce transactions on Turkey Day has surged 128 percent to $ 479 million over the past five years, outpacing the growth of Black Friday, Cyber Monday and other big holiday shopping days, according to comScore Inc.

That’s a far cry from the $ 1.25 billion spent online on Cyber Monday last year, but the growth has caught retailers’ attention.

“It’s still a smaller day, but it is growing much faster,” said Andrew Lipsman of comScore. “We’re seeing a lot more talk about Thanksgiving becoming a more important shopping day.”

Several big retailers, including Target Corp, are opening physical stores on Thanksgiving to make sure they don’t lose sales to online rivals.

“Consumers that would rather shop than watch 12 hours of football on Thanksgiving Day should be given the chance to shop,” Marshal Cohen of The NPD Group wrote in a blog on Thursday. “If online is open, why should brick-and-mortar close just to give away those precious shopping hours to the competition?”

Thanksgiving evening is where the action is online. By 3 p.m. EST last year online sales were up about 20 percent compared to the same period in 2010, according to IBM Software Group, a unit of International Business Machines Corp.

But by midnight PST on Thanksgiving 2011, online sales were up 39 percent versus the same period the previous year, IBM data show. Overall, November 2011 online sales rose 15.6 percent compared to the year-earlier period.

“Post-pie shopping this year will be fueled mostly by tablet shoppers, especially iPad users,” said Jay Henderson, global strategy director for IBM’s enterprise marketing management business.

In September and October, the iPad accounted for at least 7.5 percent of all traffic to retailers’ websites, beating out the iPhone with about 6 percent and Android devices at just over 4 percent, IBM data show.

“This is the first time the iPad has shown sustained leadership over all other mobile devices,” Henderson said.

Last Thanksgiving, retailers were surprised by the surge in tablet traffic in the evening. They also did not expect the devices would be used to complete so many purchases, instead expecting them to be browsing devices mostly, according to Steve Tack, chief technology officer for APM Solutions, a unit of Compuware Corp.

“Tablet users are not waiting for Black Friday or Cyber Monday to purchase, they are doing it on Thursday night on the couch in front of the game,” he said. “This is a significant new shopping event.”

This year, retailers are more prepared, he added.

Rue La La will launch an online boutique called “The Holiday Dash” at 8 p.m. EST on Thanksgiving, “specifically to go after the shopper who will be sitting at home after dinner on the couch,” CEO Fischman said.

More than half of Rue La La‘s sales over Thanksgiving, Black Friday and the following weekend will come from mobile devices. Half of those mobile purchases will be on an iPad, he said.

Fischman said the conversion rate on an iPad is close to double the conversion rate on a smart phone, meaning shoppers are more than twice as likely to purchase using the tablet device.

“The tablet offers the luxury of a larger screen with the convenience and portability of the phone,” Fischman said. “It’s the killer e-commerce device.”

Ideeli, a rival to Rue La La, plans a “Think Fast” online sales event at 6 p.m. EST on Thanksgiving to target tablet shoppers. Ideeli usually runs sales at noon every day.

Toys “R” Us, the largest toy retailer, launched a new tablet-optimized website on Tuesday and the company plans to make all its Black Friday deals available online at 8 p.m. EST on Thanksgiving.

HSN, which runs the Home Shopping Network and has traditionally focused on TV sales, on Tuesday unveiled an online holiday gift guide designed for tablet shoppers.

The company plans to send discounted deals to mobile shoppers on Thanksgiving.

“When people are done with the holiday meal and go back into the screen world, we will have great products on sale,” said Jill Braff, executive vice president of Digital Commerce at HSN.

(Reporting by Alistair Barr in San Francisco; additional reporting by Lisa Baertlein in Los Angeles; Editing by Phil Berlowitz)

Gadgets News Headlines – Yahoo! News

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Obama, Hill leaders optimistic on fiscal cliff

WASHINGTON -- Emerging from a closed meeting with President Obama at the White House on Friday, the administration and congressional leaders sounded optimistic on areas of possible compromise over looming fiscal deadlines for tax hikes and spending cuts begin to come into focus.

“The president and the leadership had a constructive meeting and agreed to do everything possible to find a solution that averts the so-called ‘fiscal cliff,’” said Press Secretary Jay Carney. “Both sides agreed that while there may be differences in our preferred approaches, we will continue a constructive process to find a solution and come to a conclusion as soon as possible.”

Administration and congressional leadership staff plan to work while the president travels to Asia, and through the Thanksgiving holiday week, on a framework to discuss once the parties return.

“It’s going to be incumbent on my colleagues to show the American people we’re serious,” said House Speaker John A. Boehner of Ohio as the congressional leaders emerged from the White House to deliver brief comments.

“We have the cornerstones of being able to work something out,” said Senate Majority Leader Harry Reid of Nevada. “This is not something we’re going to wait until the last day of December to get done. We have a plan; we’re going to move forward on it.”

Both Republicans and Democrats remain far from a deal, which is needed by year-end to avoid a fiscal contraction that economists warn could launch another recession. But the outlines of a compromise can be seen as Boehner has signaled Republicans are open to new tax revenue and Obama has softened his insistence that income tax rates must rise to the top 39.6% rate from the Clinton era.

Friday’s closed-door gathering of the principle players is the first sit-down after the election, which emboldened Obama and his allies on Capitol Hill. Americans spoke at the polls, they maintain, preferring the Democratic approach, which asks the wealthiest taxpayers to contribute more revenue, while preventing steep cuts to domestic spending.

At the same time, rank-and-file Republicans emerged from the election with the take-away that voters want the GOP House majority to hold final “line of defense,” as Boehner puts it, against what they see as excessive government overreach. All tax rates will rise on Jan. 1 if no action is taken – about a $2,000 hit for average Americans.

During the meeting, Boehner presented the outline of a deal that resembles the framework he proposed in the days after the election – insisting that the details of a large deficit-reduction package could not be resolved in the short lame-duck session of this Congress.

Instead, the speaker wants the parties to agree to long-term “targets” for tax revenues and spending cuts that would be binding by statute.

Resolving the tax issue is, in many ways, the cornerstone to a deal, as both sides have found common ground in their desire to reverse the coming automatic spending cuts. On Jan. 2, massive across-the-board cuts would hit defense and domestic accounts, forced as part of  a deal last year when the two sides failed to develop a broader deficit reduction plan.

Tax revenue could be raised by closing tax loopholes or capping deductions for the wealthiest Americans, those couple earning incomes above $250,000, or $200,000 for singles -- though experts say that may not raise enough money toward a big deficit reduction deal that both parties want unless tax rates are also increased. Boehner has resisted lifting rates beyond the top bracket of 35%, which has been in place since the George W. Bush era.

As talks begin, both sides are aiming for a broad deficit-reduction deal that could slash some $4 trillion off the nation’s deficits over the next decade by tax and spending reforms.

Any deal on taxes would also require a compromise from Democrats to rein in spending on Medicare, Medicaid and other entitlement programs that are drivers of the nation’s long-term deficit problems. Obama has put forward earlier plans to do that.

With the year-end deadline looming, Obama has repeatedly sought to pressure House Republicans to at least extend the expiring tax rates for middle-class families, while talks on the upper-income rates continue. The president has warned that even the threat of new taxes in the New Year could damper the coming holiday shopping season.

All sides have tried to resist drawing the lines of a stalemate. The meeting opened Friday with the cordial greetings officials use on such occasions.

In a moment of brevity, Obama offered birthday wishes to the Boehner – the speaker turns 63 on Saturday. And the two shook hands.

Follow Politics Now on Twitter and Facebook

Lisa.mascaro@latimes.com

Twitter: @LisaMascaroinDC

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Judge grants Miley Cyrus civil restraining order

LOS ANGELES (AP) — A judge has granted Miley Cyrus a three-year civil restraining order against a man convicted of trespassing at her home in Los Angeles.

The stay-away order was granted Friday against Jason Luis Rivera by Superior Court Judge William D. Stewart.

The 40-year-old Rivera was convicted in October of trespassing at the singer's home and sentenced to 18 months in jail.

He is scheduled to be released in May. Authorities said at the time of Rivera's arrest in September that he was carrying scissors and ran into the wall of Cyrus' home as if trying to break in.

Rivera did not respond to Cyrus' petition.

The 20-year-old former star of "Hannah Montana" did not attend the hearing. Her attorney Bryan Sullivan declined comment.

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Well: Learning That Odd Is Normal

A few months ago, I was at home reading a review copy of “Oddly Normal” by my colleague John Schwartz. The book begins with the suicide attempt of John’s then 13-year-old son, Joe, who had recently told his classmates he was gay. It goes on to explain how Joe’s parents struggled with a school system that didn’t always understand their son, and how Joe eventually found the path to self acceptance.

But my plan to read the book was interrupted when my 8th-grade daughter, intrigued by the title, pulled it out of my hands and read the first few pages. She was captivated and decided to read all of it for her next school book report.

Later she wrote about how moved she was by Joe’s story and how she wished she could “give him a hug and tell him that it would all turn out O.K.” The book, she wrote, “is full of life lessons that are extremely important for every young person to understand…. Being an individual is amazing, and no one should hide their true personality. Eventually, Joe learned to be the person he wanted to be, and he realized that everyone is a little odd and different.”

While “Oddly Normal” has been discussed as a great book for parents, I think teenagers will relate to Joe’s struggles and learn a lot from his honesty. You can meet Joe in a new video, in which he talks about himself, his father’s book and life as a gay teen. To learn more about the book, read the recent New York Times Sunday book review “Something to Tell You.”

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Sources: New owners plan Peter Liguori as Tribune Co. CEO

The new owners set to take control of Tribune Co. when it emerges from bankruptcy protection plan to name television executive Peter Liguori as the company's chief executive, according to sources familiar with the situation.

Liguori is a former top TV executive at Fox and Discovery. The decision to name him CEO ends months of speculation and will usher in a new era for the 165-year-old media giant, which owns newspapers, including the Chicago Tribune, and television stations.  

The Federal Communications Commission is expected to sign off Friday on waivers needed to transfer Chicago-based Tribune Co.'s broadcast properties to the new ownership, the final significant  hurdle before the company can exit Chapter 11 bankruptcy after four years.

 While a date is not set, the new ownership group controlled by senior creditors Oaktree Capital Management, Angelo, Gordon & Co. and JP Morgan Chase, will likely take the reins by the end of the year. The first step for the owners will be to appoint a board of directors. The new board, once constituted, will have the final say on who becomes CEO, but sources say the owners have chosen Liguori.

 "The decision has been made," one of the sources said.

Los Angeles Times publisher Eddy Hartenstein has been CEO of Tribune Co. since May 2011. A Tribune Co. spokesman declined comment.

A former advertising executive who transitioned into television more than two decades ago, Liguori, 52, is credited with turning cable channel FX into a programming powerhouse during his ascent to entertainment chief at News Corp.'s Fox Broadcasting. More recently, he served as chief operating officer at Discovery Communications Inc., where he helped oversee the rocky launch of the Oprah Winfrey Network.

Liguori is considered by some observers as a good fit for Tribune and its new owners. While the company's identity is closely connected to publishing, broadcasting is now the headline business and core profit center.  One of Liguori's main jobs will be to help maximize ratings, advertising dollars and increasingly important affiliate fees for WGN America and Tribune Co.'s 23 local TV stations, according to industry insiders.

 Liguori "is a very, very smart hire for Oaktree and the guys that run the company because I think what Tribune needs more than anything is somebody to kind of build the brands back and make it a true media company, as opposed to just a collection of businesses," said Jeff Shell, London-based president of NBCUniversal International, who worked with Liguori for six years at Fox beginning in 1996. Shell spoke recently about his former colleague's potential value as CEO of Tribune Co.

Liguori could not immediately be reached for comment.

Liguori became president of Fox's FX Networks in 1998, when it was a small basic cable channel airing reruns of everything from M*A*S*H to Buffy the Vampire Slayer.  Elevated to CEO in 2001, he remade FX by offering edgy original programming. Starting with "The Shield" in 2002, Liguori rolled out "Nip/Tuck" and "Rescue Me," creating first-run successes that redefined FX, and perhaps basic cable, in the process.

 "FX was a channel, when he took over, a little tiny cable channel losing a bunch of money," Shell said. "He made it into something big by imagining something different, and I think that's what Tribune needs."  

Liguori became president of entertainment for Fox Broadcasting Company in 2005, where he headed up program development and marketing. Squeezed out in 2009, he then joined Discovery as chief operating officer, where one of his responsibilities was to oversee the nascent joint venture with OWN.

In May 2011, Liguori assumed the dual role as interim CEO of OWN after inaugural head Christina Norman was forced out at the struggling network. That added responsibility evaporated two months later when Winfrey made herself CEO of OWN. Liguori left Discovery in December and the company eliminated his COO position. 

Liguori has been working since July as a New York-based media consultant for private equity firm, the Carlyle Group.  He currently serves on the boards of Yahoo, MGM Holdings and Topps.

rchannick@tribune.com | Twitter @RobertChannick

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Belize prime minister says McAfee “bonkers,” should help in murder case

BELIZE CITY (Reuters) – Belize‘s prime minister on Wednesday urged anti-virus software pioneer John McAfee to help the country’s police with a murder inquiry, calling McAfee “bonkers” for recent media statements.

“I don’t want to be unkind, but he seems to be extremely paranoid – I would go so far as to say bonkers,” Prime Minister Dean Barrow said in Belize City. “He ought to man up and respect our laws and go in and talk to the police.”

Belizean police want to question McAfee, 67, about the murder of his neighbor and fellow U.S. citizen, Gregory Viant Faull, 52, with whom McAfee had quarreled.

Police have been unable to track down McAfee since finding Faull dead on Sunday in his house on Ambergris Caye, an island off the coast. In an interview on Tuesday, McAfee said he had gone into hiding because he believed Belizean authorities were trying to frame him for Faull’s murder.

“You can say I’m paranoid about it, but they will kill me, there is no question. They’ve been trying to get me for months,” Wired magazine’s website quoted McAfee as saying. “I am not well liked by the prime minister.

According to the magazine, which has published details of several interviews with the entrepreneur, McAfee says he has been riding in boats, hunkering down on the floorboards of taxis, and sleeping in a bed that he said was infested with lice.

Since he went into hiding, McAfee has repeatedly told Wired he had nothing to do with Faull’s death. Explaining his actions, McAfee said he does not want to give himself up because he is afraid the authorities will torture or kill him.

But McAfee said they would track him down in the end. On Wednesday, the magazine said that McAfee claimed to have dyed his hair, eyebrows, beard, and mustache jet black.

“I’ll probably look like a murderer, unfortunately,” it quoted him as saying.

PUBLIC SPOTLIGHT

Barrow called McAfee’s statements “nonsense,” noting he had “never met the man” and that the media attention McAfee had attracted was offering him “the best possible safeguard.”

“It’s not as if the police have said he is a suspect and certainly there is no question at this point of charges pending,” Barrow said. “The fact that this is smeared across international headlines means the police would have to act extremely cautiously in the full glare of the public spotlight.”

McAfee, who invented the anti-virus software that bears his name, has homes and businesses in Belize, and is believed to have settled around 2010 in the tiny Central American nation bordered by Mexico and Guatemala.

There is already a case pending in Belize against McAfee for possession of illegal firearms, and police previously suspected him of running a lab to make the synthetic drug crystal meth.

On Wednesday, Belizean police said they had charged McAfee’s British bodyguard William Mulligan, 29, and Mulligan’s wife, Stefanie, 22, for having unlicensed weapons and ammunition.

Barrow rejected statements made by McAfee and an associate that the software pioneer was being targeted for refusing to donate to Belize’s ruling United Democratic Party (UDP) to help fund its successful re-election bid in March.

“I know of no individual in the UDP who has spoken to McAfee about contributions,” Barrow said.

McAfee was one of Silicon Valley’s first entrepreneurs to build an Internet fortune. The ex-Lockheed systems consultant started McAfee Associates in 1989. He now has no relationship with the company, which was sold to Intel Corp.

(Writing by Gabriel Stargardter; Editing by Dave Graham and Eric Walsh)

Internet News Headlines – Yahoo! News

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Egypt calls on U.S. to help stop Gaza fighting

Rockets From Gaza Jolt Tel Aviv Area

By Reem Abdellatif

November 15, 2012, 10:51 a.m.

CAIRO -- Egypt asked the United States on Thursday to immediately intervene to stop the Israeli military operation in the Gaza Strip, warning that the violence could spiral "out of control," the Foreign Ministry said Thursday.

Egypt also announced that its prime minister would travel to Gaza on Friday, an additional sign that the country's Islamist-led government is under pressure from across the region to help find an end to the conflict.

Egypt "will stand with all of its resources to end this aggression and to stop the recurring killing and bloodshed of Palestinians," President Mohamed Morsi said on national television. "The Israelis must understand that we do not accept this aggression and that it can only negatively affect the stability and safety of the region."

Israel launched airstrikes Wednesday to stop militant factions in Gaza from firing rockets and mortar rounds into communities in southern Israel. The initial Israeli attacks killed Ahmed Jabari, military chief of Gaza's ruling Hamas organization.

Three Israelis and 15 Palestinians were killed in the first two days of clashes.

Prime Minister Hesham Kandil will lead a delegation to Gaza on Friday, according to the state run news agency. Egyptian Foreign Minister Mohamed Kamel Amr spoke with Secretary of State Hilary Rodham Clinton late Wednesday, warning that the violence could escalate and asking the U.S. to "use what contacts it has with Israel."

In Washington, White House Press Secretary Jay Carney told reporters that President Obama had spoken with both Morsi and Israeli Prime Minister Benjamin Netanyahu on Wednesday, reiterating Israel's right to defend itself against attack but urging the Israelis to avoid civilian casualties.

Immediately after the attacks began Wednesday, protesters rallied in Egypt's capital and dozens of activists called for the country to end ties with Israel. Protests resumed near the Arab League offices in Cairo on Thursday morning demanding an end to the attacks on Gaza.

A rally to support the Palestinians was called for Friday in Cairo's Tahrir Square.

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Holidays become a cable TV industry

NEW YORK (AP) — If the holidays still seem a long way off, you clearly haven't done much television channel surfing lately.

The Hallmark channel has already begun two months of wall-to-wall holiday programming. Lifetime has ramped up its seasonal selections with 10 new made-for-TV movies, the first one airing last weekend. ABC Family's annual "25 Days of Christmas" programming isn't enough, so they do a "Countdown to 25 Days of Christmas," starting Sunday.

This is in addition to all the old favorites, from Charlie Brown to Frosty the Snowman, that will fill broadcast network schedules during the next month. An already popular television genre is growing in power, judging by the 22 new movies Hallmark and Lifetime are rolling out between them, and a new Disney holiday musical.

"This is a strategy that developed naturally from demand," said Rob Sharenow, executive vice president of programming at the Lifetime networks. "It's really giving people what they want."

A sneak preview of the movie "Christmas Song" on Hallmark Nov. 3 was a hit that left the network second behind ESPN in cable viewership at that time, the Nielsen company said. Hallmark's 2006 movie, "The Christmas Card," is still the network's most-watched original movie and will be repeated again this season.

"Others try and emulate and replicate and copy what we do, but because of our brand, no one can do it like we do," said Bill Abbott, president and CEO of the Hallmark Channels.

Lifetime's aggressive investment makes it the relative newcomer in this area. The longtime maker of TV movies that appeal to women is coming off its biggest success in years, October's "Steel Magnolia" remake with Queen Latifah, which surprised even network executives with its potency.

Its movies feature Mira Sorvino, Shelley Long, George Wendt and Lea Thompson. Wendt and Long play Mr. and Mrs. Santa Claus as they're about to meet their future daughter-in-law, Ralph Macchio is a former dance champion who comes back to win a Christmas Eve dance contest, and Thompson is featured in "Love at the Christmas Table."

Happy endings abound. Don't expect any holiday shootouts.

Beyond the new originals, Lifetime is airing more than 50 seasonal films, the biggest commitment in its history.

"In the times we're in, people want to feel good," Sharenow said. "People are definitely gravitating toward feel-good escapism and having fun and that's what these movies do. They're like little Christmas gifts."

Hallmark, part of a company that also sells Christmas cards, is a natural for holiday programming. This is the fourth year that the network essentially shuts down its regular programming for two full months to devote itself to the genre. The holiday focus began on Nov. 9 and ends Jan. 2.

There's a risk both in overkill and having fans get out of the habit of watching the network's regular shows, Abbott said, "but we have found over the years that our viewers really look forward to it and really want it."

Hallmark's original movies are premiering every Saturday and Sunday night heading into Christmas.

With titles like "Hitched for the Holidays," ''A Bride for Christmas," ''Matchmaker Santa," ''Come Dance With Me" and "Love at the Thanksgiving Day Parade," the focus is pretty clear.

While confident of the programming strategy's ultimate success, Abbott said it is clear that Hallmark has more competition. "We sleep with one eye open," he said.

ABC Family's holiday focus is primarily on movies that started in theaters, like "Home Alone" and "Elf." Its own production is "The Mistle-Tones," about a woman who creates her own Christmas singing group after being turned down for a spot in a well-known group.

The network's "countdown" programming includes the premiere of the movie "Home Alone: The Holiday Heist" on the Sunday after Thanksgiving.

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Ask an Expert: Answers About Alzheimer’s, Part 1

Because of the number of questions, his answers are being split into several parts. The first two, today and Friday, focus on diagnostic issues, including new tests, the role played by genetics and inheritance, causes and policy issues.

Next Wednesday Dr. Doraiswamy will address treatment, patient care and new clinical trials. (Some questions published here have been edited, and not all questions could be answered.)

The doctor’s answers are meant for educational purposes and are not meant to be a substitute for advice from your own doctor. Readers should contact their physician before making health care decisions.

……………………………………

Q. Why can I remember everything about a person except his or her name? — Horick, Texas

A. This is known as the “cook-Cook problem.” It is a result of how our brains are wired to enable predictions of future needs based on relevance and strength of associations. Common words with strong functional associations (for example, a cook who will prepare food) are easier to retrieve than proper names (Mr. Cook). Surveys show that more than 80 percent of normal older people report trouble with names. In reality, most of these individuals could probably recall several hundred names, but it’s the one they forget that causes panic. This helps explain why traditional American Indian names like Sitting Bull, which bring up a vivid image, are probably easier to recall.

Q. My question is not medical per se: Do you believe that people diagnosed with Alzheimer’s disease (or other dementias) should be told about their diagnosis? My mom, who had Alzheimer’s, died in 2008, and this was a very contentious issue separating me and my oldest sister who, alas, had health-care power of attorney. I emphatically believe people have to know that they have dementia. I am curious to know if you have an opinion on this. — Carol, Chicago

A. I believe they should be told since they have a right to know and make plans as well as a right to grieve. There are some situations where it may be appropriate to withhold information, such as when the exact diagnosis is uncertain or when obvious harm (such as suicide) may result. Surveys indicate that most family members would withhold the diagnosis from a loved one, but when asked if they themselves would like to know if they had the illness, most said "yes." This issue is likely to become more contentious as it becomes possible to predict disease more precisely using genetics and brain scans.

Q. “Can you tell me, wait, I forget ...” What are initial signs of Alzheimer’s?

If I place an object (i.e. cellphone, keys) in a different spot than usual, it seems to have disappeared. I’ve been leaving house key outdoors in the lock; forget names of folks I’ve met a few times (once reminded, I recall); almost totally forget titles of movies/books - when reminded, I recall..??.age-first of baby boomers, mother is 100+, has Alzheimers.

What are the initial signs of dementia? Memory loss? hysical affectations? Language dysfunction? I am nearing 65, in good health, but often can’t think of a specific word while speaking or briefly forget how to spell a word while typing.

— Wally Wallace, Ames, Iowa; Technic Alley, Toronto; Maureen64, Calif.; Motmista, Pensacola, Fla.; Canadian Content Only, Toronto; Lulu858; Marie Marley, Kan.; Unknown; Susa Bruce, Brooklyn.

A. The “tip of the tongue” (also called “Teflon brain”) phenomenon becomes more common as we age, perhaps due to chemical changes in the brain’s wiring. This commonly affects recall of names and words, and sometimes where you placed objects. Often, turning your mind to something else will make the information pop up. If what you forgot comes back to you a few hours or days later or comes back readily with a cue, it’s probably benign. Sometimes there is a “feeling of knowing,” but other times your mind can go totally blank — for example, where you parked your car at an airport. “Relax, and call me in the morning” is what memory doctors sometimes call this problem.

If you don’t pay close attention to something because your life is hectic, you’re multitasking, feeling anxiety or it has little emotional relevance, the thought will not register as well in your memory. It’s helpful to stick to a routine (e.g. park your car in the same spot daily) or write things down (e.g. a memo to yourself on your phone about where you left your keys).

If cues don’t help or if memory is forever lost or if things are starting to affect your daily activities frequently, then a medical evaluation is in order. Trouble remembering new information is the classic early problem in Alzheimer’s. In some people early changes can also include mild depression or apathy, and trouble with words, repeating oneself and confusion. Some of the things that suggest a serious memory problem are:

1) Memory getting worse over time, and cues don’t help with recall.

2) Memory problems are affecting your work and functioning, and friends or family members are getting concerned.

3) You have trouble learning new information or doing tasks you know well.

4) Forgetting entire experiences rather than parts of an experience

5) Making up stories to cover up the memory gaps.

Bottom line: if you are concerned, don’t hesitate to get your memory checked.

Q. What is the average risk of someone getting Alzheimer’s? If a sibling has it but parents don’t, what is the risk? What about if a parent or aunt has the disease?

My father, his mother and most of his siblings had Alzheimer’s. My mother’s immediate family had no incidence. She is 86 and pretty sharp. What are the chances I will get it?

My father had Alzheimer’s and my oldest sister has also been diagnosed with the disease. What are the chances of having it since we are obviously genetically predisposed? My memory has always been poor and is definitely getting worse. I’m 65.

— Christine R, Roseland, N.J.; Mitchell McG, Manhattan; Penguinwoman, Toronto; Tosia, New York; Ms. Skeptical, Alexandria, Va.

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Freddie Mac: Mortgage rates scrape bottom again; 30-year at 3.34%

Lenders were offering fixed-rate 30-year home loans to solid borrowers at an average of 3.34% this week, the latest in a series of record low mortgage rates, according to home finance giant Freddie Mac.

The borrowers would have paid 0.7% of the loan amount to the lender in upfront fees and discount points to obtain the rate, Freddie said Thursday in its weekly report. The previous record low, set the first week of October, was 3.36% with 0.6% in fees and points.

The typical rate on a 15-year fixed mortgage of 2.65% with 0.7% in lender fees also was a record, a notch below the previous record low of 2.66% in mid-October.

Concerns over recession in Europe and the looming U.S. "fiscal cliff" of higher taxes and cuts in government spending have sent investors scurrying out of stocks and into the relative safety of Treasury securities. The yield on the 10-year Treasury note, a benchmark for fixed-rate mortgages, fell below 1.6% Thursday for the first time since early September.

The rates are falling at a time of increasing consumer confidence, helping to drive a recovery in the housing markets, with home sales and prices on the rise in many markets, including Southern California.

The improving economy and tighter lending standards have sent the number of past-due loans to the lowest level since 2008, with foreclosures also down sharply, the Mortgage Bankers Assn. said in a separate report Thursday.

However, the delinquency rate is still four times the long-term average, Michael Fratantoni, the trade associations vice president or research and economics, cautioned in an interview.

The widely followed Freddie Mac survey asks lenders across the nation early each week to report popular combinations of rates and points they are offering to borrowers with good credit scores, solid income and 20% down payments or equivalent home equity if they are refinancing.

Third-party costs such as appraisals and title insurance are extra, and solid borrowers often can find slightly better rates by shopping around.

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Eurozone back in recession

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