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Caring For Your Baby´s Health - What New Dads Need To Know
By LifebankUSA
Awaiting the birth of a newborn can be as daunting as it is exhilarating for many dads-to-be. Many expectant fathers find themselves wondering: Do I have what it takes to be a good parent? Will I be able to handle the fussing and fatigue? How will I know if I´m doing everything possible to ensure my baby´s well-being? To help dads-to-be expect the unexpected, baseball Hall-of-Famer Rod Carew and nationally renowned pediatrician Harvey Karp, MD have teamed up to provide advice about what matters most to both of them -- giving each and every baby the foundation for a healthy life.While both men come at their points of view from different life experiences, they are unified about one thing -- the value of cord blood banking.For Dr. Karp, a pediatrician, child development specialist and author of the best-selling book/DVD, "The Happiest Baby on the Block," cord blood banking is a matter of science. "Cord blood stem cells are an important lifeline to a healthy future. These cells already treat such life-threatening diseases as leukemia and sickle cell anemia and we have every reason to believe that they will be instrumental in changing medical treatment in the future." For Mr. Carew, cord blood banking is a matter of pure heart. In 1996, he lost his daughter after months of searching unsuccessfully for a bone marrow transplant donor to treat her leukemia. Carew now urges parents to save their newborn´s stem cells through cord blood banking. He explains, "Saving a newborn´s cord blood stem cells is the best gift a parent can give to their child. I wish cord blood banking was available when my daughter was born."This once-in-a-lifetime decision represents an investment in your child´s -- and your whole family´s -- future health. Stem cells have been used to effectively treat approximately 80 diseases (1) and are a proven alternative to bone marrow transplants in treating a wide variety of blood disorders (2,3). Experts also believe that cord blood stem cells hold great promise to potentially treat heart disease; diabetes; neurodegenerative diseases including ALS, Parkinson´s and Alzheimer´s; spinal cord injury; autoimmune disorders; and solid tumor cancers. Expectant parents can store their newborn´s cord blood stem cells with cord blood banking facilities such as LifebankUSA, www.lifebankusa.com, one of the world´s leading cord blood stem cell banks. "I encourage parents to bank their newborn´s cord blood. It is the only way to ensure a perfect match to these stem cells if he/she ever needs them in the future. Parents should consult their physicians or contact a cord blood banking facility such as LifebankUSA to learn more," said Dr. Karp.Dr. Karp´s other top advice for expectant parents include:> Ask for important newborn blood screening tests to be performed upon the birth of your child: All states screen newborns for certain metabolic birth diseases, which can cause physical problems, mental retardation and, in some cases, death. However, there are other potentially fatal disorders for which you can screen at birth, many of which can benefit from early intervention. These disorders can be grouped into five categories: amino acid metabolism disorders; organic acid metabolism disorders; fatty acid oxidation disorders; hemoglobinopathies; and others.(4) To find out which tests are routinely done in your state, ask your health care provider, state health department or contact the national Newborn Screening and Genetics Resource Center.> Breast-feed your baby: Scientific studies show that breast milk helps build babies´ brains, boosts their immunity, protects them against diabetes, and lowers a woman’s risk of breast and ovarian cancer. The long-term health benefits of breast-feeding should convince soon-to-be-parents about the merits of breast-feeding for at least the first six months of the newborn’s life. While formulas are available for those who are unable to breast-feed, the evidence is clear, "breast is best" for feeding your baby. > Recreate the womb to soothe fussy babies and help them sleep: In an extraordinary medical breakthrough, Dr. Karp discovered that all babies are born with a "calming reflex" a virtual off-switch for crying. In his best selling book and DVD, "The Happiest Baby on the Block," Dr. Karp explains that during the first 3 months of life -- what Dr. Karp calls the "Fourth Trimester" -- parents can turn on their baby’s calming reflex by imitating the sensations of the womb (using swaddling, side/stomach position, shhhing sounds,

swinging and sucking). Recreating the womb can quickly soothe crying and improve a baby´s sleep. And, quieting a baby´s cries also lessens stress in a family, postpartum depression and even lowers the risk of shaken baby syndrome."Every parent loses sleep worrying about the health of their new baby. By taking simple steps to plan for the unexpected, including banking cord blood, parents can give themselves peace-of-mind and help create a healthy future for their child." said Dr. Karp.About Rod CarewRod Carew was a major league baseball player for the Minnesota Twins and California Angels for nineteen seasons. A seven time batting champion, Carew was the 1967 American League Rookie of the Year, and 1977 American League Most Valuable Player. A 19 time All Star, in August of 1985, Carew became only the 13th player in major league history to amass more than 3000 career base hits. In 1991, he became only the twenty first player in major league history to be voted into the Baseball Hall of Fame on the first ballot. Carew currently works as an executive for both the Minnesota Twins and Major League Baseball, and is an advocate for cord blood banking. Carew´s daughter Michelle, was 18 years old when she fell victim to leukemia. Her Panamanian-Russian ethnic mix lowered the likely of finding a suitable bone marrow transplant donor. In spite of Carew´s nationwide search, Michelle Carew passed away in April, 1996 before a donor could be located. About Dr. Harvey KarpDr. Harvey Karp has been a practicing pediatrician and child development specialist for 25 years and is an assistant professor of pediatrics at the UCLA School of Medicine in Los Angeles. He is the author of the nationally best selling book/DVDs "The Happiest Baby on the Block" and "The Happiest Toddler on the Block." His work is endorsed by America´s top baby experts and is now the basis for baby calming classes that are taught to new parents all across the country. He is also a nationally renowned expert on children´s health and the environment, a supporter of cord blood banking, and an authority on breast-feeding. About LifebankUSALifebankUSA, a subsidiary of Celgene Corporation, is one of the world´s top umbilical cord blood banking facilities, providing services for thousands of families worldwide since 1998. It is one of the most highly recognized services available, AABB accredited and ISO 9001:2000 certified, with multiple company-owned facilities. Its comprehensive research operation is one of the largest in the field of cord blood banking. For more information, please visit the LifebankUSA website at www.lifebankusa.com.About CelgeneLifebankUSA is owned by Celgene Corporation, a publicly traded company with disclosed market capitalization of over $10 billion. Since it's inception in 1986, Celgene® has a proven commitment to the discovery and development of innovative therapies for the treatment of cancer and inflammatory diseases. For more information, please visit the Company’s website at www.celgene.com. This release contains certain forward-looking statements which involve known and unknown risks, delays, uncertainties and other factors not under the Company´s control, which may cause actual results, performance or achievements of the Company to be materially different from the results, performance or other expectations implied by these forward-looking statements. These factors include results of current or pending research and development activities, actions by the FDA and other regulatory authorities, and those factors detailed in the Company´s filings with the Securities and Exchange Commission such as 10K, 10Q and 8K reports. ______________1. The Leukemia and Lymphoma Society. Cord blood stem cell banking. Available at: http://www.leukemia-lymphoma.org. Accessed December 28, 2004.2. Laughlin MJ, Eapen M, Rubinstein P, et al. Outcomes after transplantation of cord blood or bone marrow from unrelated donors in adults with leukemia. N Engl J Med. 2004;351(22):2265-75.3. Gluckman E, Rocha V, Boyer-Chammard A, et al. Outcome of cord blood transplantation from related and unrelated donors. N. Engl J Med. 1997; 337:373-381.4. March of Dimes. Professional Researchers Quick Reference and Fact Sheet. Available at http://www.MarchofDimes.com. Accessed April 20, 2005.# # #This article is copyrighted by LifebankUSA. It may not be reproduced in whole or in part and may not be posted on other websites, without the express written permission of the author who may be contacted via email at lbusa@digitalbrandexpressions.com

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Illinois and Wisconsin Mortgage Rates as of 12/03/2008 9:59 AM CST : Current Mortgage Rate Trend: worsening
30 Year fixed: 5.625% (5.686% APR) 15 Year Fixed: 5.625% (5.729% APR) 30 Year Fixed Jumbo 6.650% (6.693% APR) 5/1 Jumbo ARM: 5.950% (5.970% APR) 5/1 ARM: 6.250% (6.313% APR) 3/1 ARM: 6.250% (6.313% APR) 30 Year FHA and VA: 6.000% (6.062% APR) 30 Year Rural Housing: 6.000% (6.062% APR) 3/1 ARM Lot Loan: 6.875% (7.034% APR) 1/1 ARM Lot Loan: 6.725% (6.882% APR)
Illinois and Wisconsin Mortgage Rates as of 12/02/2008 9:57 AM CST : Current Mortgage Rate Trend: steady
30 Year fixed: 5.500% (5.572% APR) 15 Year Fixed: 5.500% (5.603% APR) 30 Year Fixed Jumbo 7.100% (7.120% APR) 5/1 Jumbo ARM: 5.950% (5.970% APR) 5/1 ARM: 6.250% (6.313% APR) 3/1 ARM: 6.250% (6.313% APR) 30 Year FHA and VA: 6.000% (6.062% APR) 30 Year Rural Housing: 6.000% (6.062% APR) 3/1 ARM Lot Loan: 6.875% (7.034% APR) 1/1 ARM Lot Loan: 6.725% (6.882% APR)
2009 FHA Loans Limits for Wisconsin and Illinois
Beginning January 1, 2009, FHA will insure single-family home mortgages up to $271,050 in low cost areas and up to a maximum of $625,500 in high cost areas. The February 2008 Stimulus Package temporarily raised the FHA maximum to $729,750 through December 31, 2008.
Effective July 14, 2008 FHA mortgage loans will charge new mortgage insurance premiums
Effective July 14, 2008 FHA mortgage loans will charge new mortgage insurance premiums based on a combination of credit scores and percentage down. FHA will implement risk-based premiums on one- to four-unit single family mortgages.
Illinois First Time Home Buyer Mortgage Wisconsin First Time Home Buyer Loans
We pride ourselves on being able to assist the first time home buyer in learning and understanding the process. We take the time to review the credit process and explain the various lender programs available.
Illinois FHA Mortgage Wisconsin FHA Mortgage (Federal Housing Administration)
Ameristar Mortgage offers Illinois and Wisconsin FHA mortgage loans to Wisconsin and Illinois residents: Purchase a home thru FHA with no money down (100% financing). Cash our refinance with an FHA mortgage to 95%. Ameristar Mortgage is an approved mortgage broker for FHA loans in Wisconsin and Illinois including Chicago, Milwaukee and Madison.
Illinois and Wisconsin Jumbo Bank Statement Mortgage Program
Due to ever changing guidelines to the stated income program Ameristar Mortgage now offers jumbo bank statement mortgage programs to $1,500,000 available to Wisconsin and Illinois residents.
Illinois and Wisconsin Core Bank Statement Mortgage Program
Due to ever changing guidelines to the stated income program Ameristar Mortgage now offers core bank statement mortgage programs to $750,000 available to Wisconsin and Illinois residents.
It's Official! Illinois 2008 FHA Loan Limits to Rise!
FHA has increased the loan limits to $410,000 for single family homes in Cook, Dupage, Dekalb, Grundy, Kane, Kendall and Lake counties. The increase should provide some relief for homeowners paying adjustable or high mortgage rates. The measure is temporary, and will be available until the end of 2008.
Illinois Freddie Mac Home Possible Wisconsin Home Possible Mortgage Loan
Home Possible is a Freddie Mac program that has very flexible credit guidelines for low to moderate income borrowers. It's available to purchase or refinance a single family home, condominium, or a 2?4 family home.
Jumbo VA Mortgage Loans in Wisconsin and Illinois
With loan amounts up to $1.5 million and interest rates significantly below comparable jumbo products, there's no better time to consider jumbo VA loans! Eligible borrowers include active military, veterans, reservists, National Guard, and unmarried surviving spouses of eligible service members.
Illinois Jumbo Mortgage Loans Wisconsin Jumbo Home Loans
Ameristar Mortgage offers full doc jumbo loans and non conforming home loans, including fixed and adjustable rate jumbo mortgage loan products, balloon products, and even interest only programs to meet the purchase or refinance needs of our borrowers...
Illinois VA Mortgage Loans Wisconsin VA (Veterens Affairs) Mortgage Home Loans
Enjoy the privilege of no money down loan for qualified Illinois and Wisconsin veterans and reservists. The Department of Veterans Affairs insures these loans, so you'll get more freedom to make decisions.
Illinois Refinance Wisconsin Refinance, Debt Consolidation and Cash Out Refinance to 100% Mortgage Home Loans
Whether you are looking to refinance your current Illinois or Wisconsin mortgage to obtain a lower rate, get out of your current adjustable rate mortgage (ARM) and into a fixed rate, get cash out to add an addition, finish your basement, or to just payoff credit cards and other unwanted debt Ameristar Mortgage has the right refinance program for you:
Illinois Interest Only Mortgage Loans Wisconsin Interest Only Loans
An Interest Only mortgage is an excellent mortgage option for borrowers who want the lowest payment possible. An Interest Only loan means exactly what it says, the borrower pays interest only. By paying interest only on a mortgage loan, borrowers can purchase more home with the same payment as they would with a traditional 30 year fully amortizing loan.
Illinois Stated Income Stated Asset Wisconsin Stated Income Stated Asset Mortgage Loan (Conforming Rates) (SISA)
Ameristar Mortgage of Wisconsin and Illinois offers Stated Income Stated Asset Verification (SISA) Low Doc Mortgage - Great for self employed or W2 employees who cannot document income or assets...
Illinois Rural Mortgage Loans Wisconsin Rural Housing Single Family Guaranteed Loan (USDA) Rural Developement
Rural Housing loans offer 100% Financing plus up to appraised value for closing costs and escrows (pre-paids). The Guaranteed Rural Housing (GRH) loan program provides moderate income families with access to affordable home ownership in eligible rural areas. Ameristar Mortgage provides home purchase financing requiring no down payment and can finance loan closing costs and repairs up to the property's appraised value.
Illinois No Money Down Mortgage Loans Wisconsin No Money Down Mortgage Loans (100% Financing)
Loans that finance the full purchase price, and thus do not require a down payment, are called "100% financing loans". 100% Financing loans are also referred to as "no money down loans". Ameristar offers the following 100% financing programs:
Illinois Lender Paid Mortgage Insurance Wisconsin Lender Paid Mortgage Insurance Loans (LPMI)
Lender Paid Mortgage Insurance (LPMI) is available on Conforming 30 and 40 Year Fixed products giving you the simple path to financing your home loan.
Illinois Less than Perfect Credit Wisconsin Less than Perfect Credit (no credit, poor credit) BC or Subprime Loans
We have a variety of programs tailored for borrowers that have a less-than perfect credit history. Many potential homebuyers come to us after they have been turned down elsewhere, and often by numerous lenders. The primary difference between Ameristar Mortgage and other lenders is that we view low credit scores, low income, low home equity, and marred credit histories simply as unique challenges rather than impossible obstacles.
Illinois New Construction and Lot Loans Wisconsin Construction and Lot Loans: Refinance and Purchase
Finance up to 95% with a construction loans and up to 90% on a Wisconsin Illinois lot loan. Ameristar Mortgage also offers a cash out refinance lot loan. Purchase a new lot or refinance you current lot mortgage loan.
Illinois My Community Mortgage and Wisconsin Fannie Mae My Community Mortgage Loan (MCM)
My Community Mortgage (MCM) is a Fannie Mae program that has very flexible credit guidelines for low to moderate income borrowers. It is available to purchase or refinance a single-family home, condominium, or a 2 to 4 family home.
Illinois Flex 100 Flex 97 Wisconsin Flex 100 Flex 97: One Conventional Fannie Mae 100% or 97% Financing Mortgage Loan
Get a conventional 100% loan with only $500 down. With the Flex 100 Program, you can get more house for less out-of-pocket costs. If you have not accumulated the assets to meet traditional financial requirements, this program may be for you.
Illinois Government Loans and Wisconsin Government Insured Home Mortgage Home Loans
If you are looking to make no or low down payment or if you are a veteran, the government may be able to help you with a no money down purchase or refinance! Check out these great programs: FHA loans, VA loans and Rural Housing loans:
Illinois 80/20 Wisconsin Combo 80-20, 75-25, 80-15-5 and 80-10-10 Mortgage Loan
80/20 mortgage loans sometimes called a Piggy-Back loan, is a program designed to help Borrower's purchase a home with 0% down while avoiding Mortgage Insurance. An 80/20 loan is actually 2 mortgage loans, a 1st mortgage (at 80% of the value of the home) and a 2nd mortgage (at 20% of the value of the home.)
Illinois No Ratio Wisconsin No Ratio Mortgage Loan
Ameristar Mortgage Wisconsin and Illinois offers No Ratio mortgage loans - Low Doc Mortgage - Great for self employed or W2 employees who cannot document income but can verify assets and employment history...
Illinois No Income Loan Illinois No Income Verification Mortgage Loan (NIV)
Ameristar Mortgage Wisconsin and Illinois offers No Income Verification (NIV) no income verified assets - Low Doc Mortgage - Great for self employed or W2 employees who cannot document income but can verify assets...
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Illinois Mortgage Programs Wisconsin Home Mortgage Programs Chicago Programs Milwaukee Madison Programs
You need a mortgage company that can answer your questions, provide accurate estimates and close your transaction on time. Put Ameristar's experience in closing thousands of purchase and refinance transactions to work for you.