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Sandra Thomas

  • Forced Air Heating Tips

    KEEPING YOUR FORCED AIR HEATING FIT

     
    Heater


    Both new and old forced warm air systems need some basic maintenance to help keep them running smoothly.

    • To conserve energy during the active part of the day, it is best to set the thermostat at a reasonable comfort level and leave it alone rather than continuously adjusting it.
    • To further conserve fuel, install a programmable thermostat to raise and lower temperatures according to your family’s schedule.
    • Check the filter at least monthly during the heating season. Permanent, cleanable filters should be cleaned often; disposable type filters should be replaced when dirty.
    • Make sure all heat supply dampers on room registers are in the open position and not blocked by furniture or drapes. In some cases, a diverter can be used to redirect flow. These are available at most homeowner centers.
    • Consider acquiring an annual service contract with a local utility or service company, especially if fueled by an oil burner. A qualified service technician will clean the burner and the heating surfaces; adjust duct dampers (if present); readjust controls; oil motors and fan; and, in older units, adjust the belts.

    Remember, these tips are only general guidelines. Since each situation is different, contact a professional if you have questions about a specific issue. More home safety and maintenance information is available online at http://www.housemaster.com/.

    Copyright ©  DBR Franchising, LLC

     

    www.sandrathomassells.com

  • Prevent Pests This Winter

    Home Maintenance Tip - Tips to Prevent Pests This Winter Season
     

    Winter season's unwelcome pests may soon join homeowners by the fire to stay warm and dry. Colder temperatures send wintry pests, such as rodents, spiders and cockroaches, searching for food, water and shelter indoors.

    Mice are a common winter nuisance and only need a space the size of a nickel to enter a home. Once inside, mice and other rodents can cause considerable damage and pose serious health risks to people and pets. Homeowners need to inspect for rodent droppings in undisturbed areas, especially since droppings can trigger allergies and spread disease such as Hantavirus.
    During the winter months, spiders and cockroaches take advantage of damaged or missing screens on doors and chimneys to access the home. Once inside, cockroaches can easily contaminate unattended food and water sources. The National Pest Management Association (NPMA) offers a few important measures to prevent pests this winter season:
    1. Seal any cracks and holes on the outside of the home, including areas where utilities and pipes enter the home.
    2. Screen vents and openings to chimneys.
    3. Keep attics, basements and crawl spaces well ventilated and dry.
    4. Repair fascia, soffits and rotted roof shingles; some insects are drawn to deteriorating wood.
    5. Replace loose mortar and weather-stripping around the basement foundation and windows.
    6. If you suspect a pest infestation in your home, contact a licensed pest professional to inspect and treat the pest problem.
    For more information, visit www.pestworld.org.
    Reprinted with permission of RISMedia, publisher of Real Estate Magazine.

     

    http://www.kingthompson.com/agentoffice/agentdetail.aspx?abrand=9824&agent=9824

  • FHA Down Payment Changing

    Did you know that the FHA down payment is changing in January 2009?

    Currently borrowers are required to have 3% into the purchase of a home. If borrower is paying their own closing costs, then the down payment is 2.25%, as they would have contributed 3% through the 2.25% down payment plus their closing costs. If they are not paying their own closing costs, then down payment required is 3%.  In January, the required buyer contribution will be increased to 3.5%. So if you have some buyers on the fence, this just might push them off!

    Did you know that there are still some 100% loan programs available? Yes there are - VA loans do not require a down payment and require no monthly mortgage insurance. There is a funding fee that is determined by service and whether or not the veteran has used eligibility before, and this can be financed into the loan.

    Also available are Rural Housing Loans at 100% financing. There are income restrictions and the property must qualify for a Rural Housing loan (mostly outside 270), so be sure to get your buyers pre-approved before moving forward. There is a 2% guarantee fee that can be financed into the loan.

    The website for Rural Housing (to check property eligibility and income limits) is:

    http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?NavKey=home@1

    And don't forget that HUD foreclosure properties are eligible for the $100 down payment program, which is pretty close to 100% financing.

    http://www.kingthompson.com/agentoffice/agentdetail.aspx?abrand=9824&agent=9824

     

  • Does Your Green Builder????

    Questions to ask your builder:

    So, Mr. "Green Builder", do you:

    1.   Specify CFL bulbs wherever possible?

    2.   Do you have a programmable whole home fresh air ventilation system?

    3.   Do you have a dehumidifer in the basement?

    4.   Do you have a garage ventilation system?

    5.   What are you doing to retard the growth of mold?

    6.   Are all your carpets "green seal"?

    7.   Do you have argon gas in all your low-e windows?

    9.   Is a passive radon reduction system standard?

    10.  Are your furnace filters MERV-11?

            ...and finally, the key to it all.....

    Is every home independently tested for energy efficiency and does every home rate below 70 (HERS rating) and therefore qualify for a $2000 federal tax credit? 

    If you don't like the answers you receive to these questions, visit us...you will like our answers.

    http://www.kingthompson.com/agentoffice/agentdetail.aspx?abrand=9824&agent=9824

  • Learn healthy eating habits


    Little changes add up to big improvements over time. The following are
    some tips on adopting a better eating style for life:

    * Plan ahead. Prepare or plan your meals at least a day ahead. Avoid
    eating on the run - impulsive food choices are more likely to be poor
    ones.

    * Shop wisely. Don't shop for groceries when you're hungry - your
    impulses may override your good sense. Hit the outside aisles first.
    That's where the vegetables and fruits - foods you want to emphasize
    - are usually found.

    * Order carefully. In restaurants, look for foods that are broiled,
    grilled, baked, or steamed rather than fried. Ask to have dressings
    and sauces served on the side. If a dish is unfamiliar to you, ask
    the waiter to describe how it is prepared.

    * Cook creatively. Cooking at home gives you more control over
    ingredients, cooking methods, and cost. Home cooking doesn't have
    to be plain. Look at creating healthy, tasty meals as a challenge,
    not as a chore.

    * Think positively. Eating right has a lot to do with attitude.
    If you succumb to temptation once in a while, don't panic. Just
    get back on track at your next meal.

    * Involve others. Invite family and friends to share your nutritious
    meals. Any dining experience is more fun when it's enjoyed with good
    company.

    http://www.kingthompson.com/agentoffice/agentdetail.aspx?abrand=9824&agent=9824

  • More Interesting Trivia



    During your lifetime, you'll eat about 60,000 pounds of food, that's the weight of about 6
    elephants.
     
    Some ribbon worms will eat themselves if they can't find any food.
     
    Dolphins sleep with one eye open.
     
    The world's oldest piece of chewing gum is over 9000 years old.
     
    About 3000 years ago, most Egyptians died by the time they were 30.
     
    More people use blue toothbrushes, than red ones.
     
    Your ribs move about 5 million times a year, every time you breathe.
     
    In the White House, there are 13,092 knives, forks and spoons.
     
    Slugs have 4 noses.

    Rice paper does not have any rice in it.

    Lightning strikes about 6,000 times per minute on this planet.
     
    Owls are one of the only birds who can see the color blue.
     
    It was once against the law to slam your car door in a city in Switzerland.
     
    There wasn't a single pony in the Pony Express, just horses.
     
    Honeybees have a type of hair on their eyes.

    A toothpick is the object most often choked on by Americans.
     
    Every 45 seconds, a house catches on fire in the United States.
     
    The sun is 330,330 times larger than the earth.

    Honolulu is the only place in the United States that has a royal palace.
     
    One gallon of used motor oil can ruin approximately one million gallons of fresh water.


    http://www.kingthompson.com/Property/propertyResults.aspx?SearchID=2408895&CallingPage=3&abrand=9824&agent=9824
  • Tips for Women on Building Their Credit Score


    Women are managing families and careers, but they must also manage their own personal finances. The Labor Department estimates that nearly 90 percent of women will manage their own finances at some point during their lives.

    One of the key things for a woman to know is the importance of her credit score. Since this directly affects her financial future and the rate she will pay for any loan, women of all ages and stages must understand and take positive steps to build their credit score.

    Whether a woman is single, married, or divorced, building a credit score starts with establishing credit in her own name.

    If you have never had credit, or if the credit you use is listed in your husband's or parent's name, a woman should immediately start building credit in her name. Your goal should be a FICO score of 760 or higher. You will then qualify for the lowest rates.

    Here are tips for women on building your credit score at each stage of your life:

    1. Single or Just Starting Out

    - Start with opening a checking or savings account. This shows you can handle money in a responsible manner.

    - Apply for a credit card that is in your name only. The easiest time to do this is while you are in college. If you wait until after college, it may be more difficult to get a traditional credit card with a low rate. If you are not accepted with the first or second application, apply for a secured card or a credit card from a department store or other retailer. These cards are usually easier to get than credit cards issued by banks, and they'll help you build a credit history. However, these cards have higher interest rates and lower credit limits. If you get a secured card, make sure the
    card reports your credit activity to the credit bureaus.

    - Build a good payment history. Make your payments on time for all of your bills. Pay your full credit card balance every month.

    - Keep your debt-to-credit limit ratio low. Add up all of your credit card debt and divide it by the credit limits on all your cards. Keep your ratio under 30%. The lower your ratio, the better off you will be.

    - Choose your loans and lenders like friends you want to keep.  Longevity and history matter on your credit score. Be selective about the credit card accounts you open, and keep them open, even if you don't carry a balance and rarely use a credit card.

    2. Married

    According to the FTC, there are two common reasons women don't have credit histories in their own names: (1) they lost their credit histories when they married and changed their names; and (2) creditors reported the accounts shared by married couples in the husband's name only.

    - Stay involved with all financial decisions. Don't leave this to your husband. Keep up with bank accounts, retirement accounts, insurance, etc.  If your spouse has difficulty managing money or makes bad financial decisions, you will also be responsible for the consequences. Being uninformed about your finances could also put you in a very difficult position if the marriage ends.

    - After you get married, notify all creditors of your name change. If you have used credit with a different name or in a different location, make sure that the credit bureau correctly and accurately transfers this information to your credit report.

    - When you order utilities or apply for a mortgage, loan, or credit card, make sure it is set up as a joint account. The creditor will report the account activity to credit bureaus in both names. If you put everything into your husband's name, your own account will go inactive, dropping your credit score.

    - Even after you marry, keep your own credit identity. Have your own credit card so that your activity will help build your own credit score. It is a good idea to have your own checking or savings account as well. Have your own retirement savings account through your company or an IRA.

    3. Divorced

    You aren't just separating your lives, but your finances as well. If you do this correctly, you can avoid a financial mess and go on with your life. If it is done incorrectly, you could have a financial disaster and pay much more than lawyer fees.

    - If you had joint accounts with your husband, contact each credit bureau to make sure that your credit file is now in your own name. Verify that it lists all joint accounts. If the credit information was only in your husband's name, ask the credit bureau to add that information to your file.

    - Before divorcing, list all joint accounts, such as mortgage, home equity loans and credit cards. Notify your creditors of your decision to divorce and reopen the accounts in only one spouse's name. This will also help each spouse establish individual credit records. If both of your names are on an account, you can become legally responsible for the debt if your husband doesn't pay, even if the divorce decree states that your husband will assume the responsibility of the debt.

    - If you have a joint credit card, pay it off and close the account. This guarantees that neither spouse is responsible for the other's bills and your credit report will not be affected by future actions of your ex-husband.

    _______________

    Bill Hardekopf is CEO of LowCards.com www.lowcards.com, a free, independent website that helps consumers easily compare credit cards in a variety of categories such as lowest rates, rewards/rebates, balance transfers and lowest introductory rates. It gives an unbiased ranking and review for each card, making it easy for consumers to compare credit card offers and apply securely online.

    http://www.kingthompson.com/agentoffice/agentdetail.aspx?abrand=9824&agent=9824

  • Carbon Monoxide Awareness

    Poor draft 
    If you have not started your furnace already you will soon.  Cold weather is approaching and turning the furnace it will be unavoidable.
    Just a few days ago while inspecting a house a friend noticed that the gas water heater was not venting correctly.  He got out the carbon monoxide detector and fired up the furnace, it also was not drafting correctly so he shut it off quickly.  Possibly caused by a bird or squirrel nest in the chimney (used for the flue).  Eventhough the furnace was operating only briefly he found carbon monoxide coming in to the basement and quickly shut if off.
    This is to encourage you to have a CO detector, put in a new battery every fall and to have your furnace serviced regularly.
    If you look closer at the picture you may see burn marks on the pipes.  This is a clue to poor venting.
  • Home Sales Rise

    FROM THE BLADE'S NEWS SERVICES


    WASHINGTON - Pending home sales rose 7.4 percent from July to August, an
    unexpected piece of positive news for the battered U.S. housing market.

    The National Association of Realtors said yesterday that its seasonally
    adjusted index of pending sales for existing homes rose to 93.4 from an
    upwardly revised July reading of 87. The reading was 8.8 percent higher
    than a year earlier and was the highest since 101.4 in June, 2007.

    Home sales are considered pending when the seller has accepted an offer
    but the deal has not yet closed. Typically there is a one-to-two-month
    lag before a sale is completed.

    www.sandrathomassells.com

    Pending sales gained across all regions in August: up 18.4 percent in
    the West, 8.4 percent in the Northeast, 3.6 percent in the Midwest, and
    2.3 percent in the South.

    Sales are picking up in places that have experienced the most severe
    declines in housing prices - including California, Florida Nevada and
    Arizona, plus Rhode Island and the District of Columbia area, said
    Lawrence Yun, the trade group's chief economist.

    Still, he said he does not expect home prices to rebound until next year
    and expects a modest gain of 2 to 3 percent in 2009.

    The association forecasts existing-home sales at 5 million this year,
    rising to 5.41 million in 2009, and new-h ome sales of 503,000, falling
    to 471,000 next year.

    A major unknown is how the worldwide financial crisis and economic slump
    will affect the housing market.

    Despite numerous efforts by the Federal Reserve to encourage banks to
    lend more, lenders have kept tight reins on mortgage money, and average
    rates on 30-year mortgages have remained above 6 percent for most of the
    year.

  • IMPORTANT***Ohio Bond Suspends Down Payment Assistance Temporarily****

    As volatility in the financial market continues, offering a product that meets the needs of first-time homebuyers has become increasingly difficult.  The ability to obtain capital to continue our programs is severely limited. Despite recent rate increases, program volume has continued at a pace that can not be sustained.  It has become evident that down payment assistance, not interest rate, is the primary reason today’s homebuyers select an Ohio Housing Finance Agency (OHFA) mortgage.  

    To protect and continue our core First-Time Homebuyer Program, the Agency will temporarily discontinue our down payment assistance programs, effective at 8:00am October 13, 2008.  This announcement applies to both second mortgage loans and down payment assistance grants.  We will honor reservations for loans with down payment assistance made prior to this announcement. 

    OHFA’s mission is to “open the doors to an affordable place to call home” for Ohio families and we are proud to have helped thousands of borrowers through our down payment assistance programs.  It is a difficult decision to suspend these programs, but it is now imperative that we devote increasingly scarce resources effectively. 

    Borrowers can still purchase their home using the First-Time Homebuyer program. 

    We will continue to evaluate our programs and respond to the market as necessary.  We appreciate your patience as we work to preserve the program that for 25 years has helped thousands of Ohio borrowers purchase their first home. 

  • Fun Useless Trivia

    • Fingernails grow nearly 4 times faster than toenails.

    • Humans blink over 10,000,000 times a year.

    • In the year 2000, Pope John Paul II was named an "Honorary Harlem Globetrotter."

    • Every second, Americans collectively eat one hundred pounds of chocolate

    • A fetus develops fingerprints at eighteen weeks.

    • The fear of vegetables is called Lachanophobia.

    • There are approximately fifty Bibles sold each minute across the world.

    • Every year, kids in North America spend close to half a billion dollars on chewing gum.

    • An earthquake on Dec. 16, 1811 caused parts of the Mississippi River to flow backwards.

    • A person uses approximately fifty-seven sheets of toilet paper each day.

    • More money is spent on gardening than on any other hobby.

    • Baby robins eat 14 feet of earthworms every day.

    • In England, in the 1880s, "Pants" was considered a dirty word.

    • Most dust particles in your house are made from dead skin.

    • The blesbok, a South African antelope, is almost the same color as grape juice.

    • The average person laughs 13 times a day.

    • Dogs can hear sounds that you can't.

    • Men are 6 times more likely to be struck by lightning than women.

    • It is estimated that millions of trees in the world are accidentally planted by squirrels who bury nuts and then forget where they hid them.

    • Ernest Vincent Wright wrote a novel, "Gadsby", which contains over 50,000 words - none of them with the letter E.

    • Of all the words in the English language, the word set has the most definitions.

    • In 32 years. there are about 1 billion seconds.

  • Good News for Ohio HUD Homes

    OHIO ANNOUNCEMENT

    EXTENDED SALES INCENTIVE PROGRAM FOR OWNER OCCUPANTS ONLY

    $2500 Credit at closing to be used for closing costs, lower mortgage amount, and  lender-approved repairs. Minimum house price $25,000.

    For cash, owner occupant buyers, the incentive can be used for closing costs only, balance reverts to HUD. $500 Selling broker bonus, $100 down payment program for FHA financing

    For more information:  www.sandrathomassells.com

  • Ladder Safety

    Some fall home maintenance may require the use of a ladder. Falls and other injuries associated with ladder use are some of the most common, and potentially serious, home accidents. A safety-wise homeowner will make sure anyone working around the house uses the proper type ladder for painting, cleaning gutters, trimming tree branches, or any other use. Pay attention to manufacturer instructions, which are usually visible on the side rails of most relatively new ladders.

    • Overreaching: Never attempt to move a ladder while standing on it, as it’s very easy to upset the ladder’s stability and lose one’s balance.
    • Walking the ladder: “Walking the ladder” refers to a user’s attempt to move the base of a ladder, and hopefully the upper portion they are standing on, by rocking the legs. When doing this, it’s too easy to move the ladder into an unsafe position or lose ones balance.
    • Wrong type ladder: Only use ladders designed and suitable for the purpose at hand. Pay attention to the ladder’s load ratings; the load rating defines the acceptable load-bearing weight of a ladder and also indicates its durability. Very light-weight or flimsy ladders will not hold up with repeated use.
    • Insecure footing: Always double check that a ladder has a secure footing on a firm, dry, and slip-resistant surface. Setting up on a sloping driveway or wet surface only invites slippage. Setting up on soft ground or mulch can result in sudden settlement of the ladder, causing the upper portion to drop below the upper support point and fall. Using a rope to firmly secure the ladder to a solid, fixed support point is a good practice, in particular when extended to high levels.
    • Electrical dangers: Leave work around exposed or overhead electric lines to professionals. If you must work anywhere near the electric service line to the house or other electrical lines, use nonconductive wood or fiberglass ladders.
    • Adjustable ladders: If using an extension ladder, stepladder, or multi-use articulating or telescoping ladder, make sure all latches are securely locked in place before stepping on the ladder. Use extreme care when closing a ladder to avoid injury to fingers or hands.
    • Keep your hands free: Do not attempt to climb a ladder when holding tools and other objects - keep your hand on the rails. Instead, use tool belts and clips to carry what you need.

    Finally, always follow the ladder manufacturer’s warnings and safety advice. When in doubt or uncomfortable about setting up or working on a ladder, contact the appropriate serviceperson or contractor to complete the required task.

    Remember, these tips are only general guidelines. Since each situation is different, contact a professional if you have questions about a specific issue. More home safety and maintenance information is available online at www.housemaster.com.

     

    www.sandrathomassells.com

  • FALL MAINTENANCE CHECKLIST

    Many areas have already had a taste of fall weather, and it’s not far behind for most others. Now is the time to make sure your house and heating system are ready for winter. Here is a brief checklist to guide you through some basic tasks before it is too late:

    GROUNDS

    • Check window wells, dry wells and storm drains for debris or blockage.
    • Repair any driveway cracks and/or heaved or settled walkways.
    • Trim all trees and shrubs that are too close to the house.
    • Check (ideally during a rainstorm) for rainwater drainage away foundation.
    • Clean and put summer furnishings away.
    • Drain and store garden hoses.

    EXTERIOR SURFACES

    • Check weathertightness of all exterior surfaces and components.
    • Check for deterioration of painted or finished areas. If too late for a full paint job, prime and touch-up bare wood surfaces.
    • Caulk and seal all joints in siding, around windows and doors.
    • Check and seal any foundation cracks.
    • Improve weatherstripping at exterior doors and windows as needed.
    • Reset storms and screens where required.
    • Look for any signs of insect or pest activity around the foundation and at wood components close to the ground.

    ROOF (Use binoculars or hire a professional.)

    • Check for loose, damaged or missing roofing.
    • Check eave areas for signs of moisture build-up or damage.
    • Check the condition of chimneys.
    • Check flashings for signs of lifting or damage and repair as needed.
    • Check and clean all gutters (eavestroughs) and downspouts.

    ATTIC

    • Check ventilation openings for nests or other blockage.
    • Check the position and condition of insulation for uniform coverage.
    • Look for any signs of excessive moisture or heat buildup.

    INTERIOR ROOMS

    • Check all areas for signs of roof or plumbing leakage.
    • Have any fireplaces or wood stoves and flues checked and professionally cleaned.
    • Reset automatic timers for the change in daylight hours.
    • Check all smoke/carbon monoxide detectors. Replace batteries if over a year old.
    • Test Ground-Fault Circuit-Interrupters (GFCI’s) using built-in test buttons.

    HEATING/COOLING SYSTEMS

    • Clean all elements of the cooling system.
    • Remove (or winterize) room air conditioners.
    • Follow manufacturer instructions for the maintenance of your heating system.
    • Change or clean heating system filters on warm air systems (now and regularly).
    • Check heating and cooling systems for any evidence of water leaks.
    • If present, clean and test the humidifier.
    • Have your heating system serviced annually by a qualified heating serviceperson before the heating season to keep it functioning efficiently and properly.

    PLUMBING

    • Drain exterior water lines and open taps (in cold areas).
    • Insulate water lines that are subject to freezing.
    • Check the condition and temperature setting of the water heater. Follow the manufacturer’s recommendations for the temperature setting.
    • Check the plumbing system and fixtures for any evidence of water leaks or blocked drains.
    • Confirm proper operation of any sump pumps and free flow of the drain line.

    Remember, these tips are only general guidelines. Since each situation is different, contact a professional if you have questions about a specific issue. More home safety and maintenance information is available online at www.housemaster.com.

     

    www.sandrathomassells.com

  • Hope for Cancer Tests

    This article was in the Traverse City Record Eagle 9/18/2008.  Thought you might be interested.

    Lauran Neergaard: Hope for cancer tests

    By LAURAN NEERGAARD
    AP Columnist
    WASHINGTON -- Does a test that promises to find ovarian cancer sooner really do so? Could other tests nearing the market prolong survival by getting patients the right care faster?
    A race is on for blood tests to better detect this intractable killer, but the U.S. Food and Drug Administration is probing whether to crack down on the first one to sell.
    It is a time of both hope and confusion.
    First, the question is whether testing giant LabCorp jumped the gun in selling OvaSure as an ovarian cancer screening test before researchers proved that it catches the tumor in an early, treatable stage without falsely alarming too many healthy women. A legal quirk let sales begin without formal FDA approval.
    In fact, U.S. and British scientists are just beginning studies specially designed to prove if signs of ovarian cancer can be measured reliably in blood months, even a year, before a tumor becomes life-threatening.
    "You really need evidence that screening actually saves lives, or at least prolongs survival," cautions Dr. Robert Bast Jr., an ovarian biomarker expert at M.D. Anderson Cancer Center.
    While the FDA will discuss its probe of OvaSure, it is watching the field closely.
    "It's not a question of if, it's a question of when the right test will come along with the right credentialing to help improve health care in this important area," says Dr. Steven Gutman, FDA's diagnostic testing chief.
    At the same time, competing companies are seeking FDA approval for a different approach: Blood tests to help identify which women with an ovarian lump or cyst are most likely to have cancer, so they can have their crucial first surgery -- the one that diagnoses malignancy -- done by a specialist.
    Thousands of women get cysts but only an unlucky fraction turn out to be cancer. Studies show even advanced patients can live many months longer if that very first operation is done by a gynecologic oncologist, who knows where cancer hides and how to remove pelvic lymph nodes, instead of the general surgeon most see today.
    "That's a big, big step forward for women because it allows them to get the proper care," says Dr. Richard Moore of Brown University, who led a study of Fujirebio Diagnostics Inc.'s so-called triage test that correctly predicted cancerous cysts more than 90 percent of the time.
    "It really is an unmet need," agrees Bast.
    Most women see a doctor for symptoms -- bloating, a swollen abdomen, pelvic pain, frequent urination -- that strike after the cancer has spread, when long-term survival plummets.
    Women at high risk because of gene mutations are advised to have their ovaries removed for protection. For the general population, the goal is a blood test to detect early cancer signs such as molecules that tumor cells shed, or perhaps unusual hormone changes, without sending too many women to unnecessary surgery. In the pipeline:
    -- Two tumor markers, CA125 and one just approved by FDA called HE4, used to track if chemotherapy is working or cancer is returning. A one-time CA125 test can't screen seemingly healthy women because levels rise with benign cysts, endometriosis, even normal menstruation. But Fujirebio's triage test uses HE4 and CA125 to assess who most likely has a benign cyst and whose may be cancer.
    -- LabCorp in June began marketing to high-risk women a screening test developed by Yale University, under a law that allows a single laboratory to offer testing without FDA review. Yale researchers used OvaSure on blood samples stored from cancer patients and healthy women, and found it correctly identified cancer 95 percent of the time with few false alarms. But specialists say that doesn't prove OvaSure can detect when cancer is forming -- just that it spotted tumors in the already diagnosed few with early stage disease.
    "We believe you are offering a high risk test that has not received adequate clinical validation and may harm the public health," the FDA warned LabCorp last month.
    The FDA several years ago forced a similarly marketed ovarian test off the market. LabCorp spokesman Eric Lindblom wouldn't disclose results of a recent FDA meeting, but said Yale is working to validate OvaSure and "we're continuing to offer the test at this time." -- Tracking seemingly healthy women well before they are diagnosed is the only way to prove a test finds cancer early, says Dr. Michael Birrer of the National Cancer Institute -- work just beginning.
    Dr. Nicole Urban of Seattle's Fred Hutchinson Cancer Center is heading a multi-hospital test of blood stored a full year before 120 women were diagnosed with ovarian cancer, to see which biomarkers are most promising.
    "The thing we did not know is how early these markers give a signal," said Urban, whose hunt is joined by Yale, M.D. Anderson and other leading ovarian cancer centers.
    Also, British researchers have enrolled 200,000 women in a study to see if annual CA125 testing plus transvaginal ultrasounds will spot simmering tumors. The idea: High jumps in CA125 levels might give a better signal than a one-time test.
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