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sexta-feira, 5 de outubro de 2012

Study: Free birth control lowers abortion rates

AP  LAURAN NEERGAARDWASHINGTON -- Free birth control led to dramatically lower rates of abortions and teen births, a large study concludes. The findings were eagerly anticipated and come as a bitterly contested Obama administration policy is poised to offer similar coverage.

The project tracked more than 9,000 women in St. Louis, many of them poor or uninsured. They were given their choice of a range of contraceptive methods at no cost - from birth control pills to goof-proof options like the IUD or a matchstick-sized implant.

When price wasn't an issue, women flocked to the most effective contraceptives - the implanted options, which typically cost hundreds of dollars up-front to insert. These women experienced far fewer unintended pregnancies as a result, reported Dr. Jeffrey Peipert of Washington University in St. Louis in a study published Thursday.

The effect on teen pregnancy was striking: There were 6.3 births per 1,000 teenagers in the study. Compare that to a national rate of 34 births per 1,000 teens in 2010.

There also were substantially lower rates of abortion, when compared with women in the metro area and nationally: 4.4 to 7.5 abortions per 1,000 women in the study, compared with 13.4 to 17 abortions per 1,000 women overall in the St. Louis region, Peipert calculated. That's lower than the national rate, too, which is almost 20 abortions per 1,000 women.

In fact, if the program were expanded, one abortion could be prevented for every 79 to 137 women given a free contraceptive choice, Peipert's team reported in the journal Obstetrics & Gynecology.

The findings of the study, which ran from 2008 to 2010, come as millions of U.S. women are beginning to get access to contraception without copays under President Barack Obama's health care law. Women's health specialists said the research foreshadows that policy's potential impact.

"As a society, we want to reduce unintended pregnancies and abortion rates. This study has demonstrated that having access to no-cost contraception helps us get to that goal," said Alina Salganicoff, director of women's health policy at the Kaiser Family Foundation.

"It's just an amazing improvement," Dr. James T. Breeden, president of the American College of Obstetricians and Gynecologists, said of the results. "I would think if you were against abortions, you would be 100 percent for contraception access."

The law requires that Food and Drug Administration-approved contraceptives be available for free for women enrolled in most workplace insurance plans, a change that many will see as new plan years begin on Jan. 1.

The policy is among the law's most contentious provisions because it exempts churches that oppose contraception but requires religious-affiliated organizations, such as colleges or hospitals, to provide the coverage for their workers. The U.S. Conference of Catholic Bishops and many conservative groups say that violates religious freedom, and Republican presidential nominee Mitt Romney has voiced similar criticism.

This week, a federal judge in St. Louis dismissed a lawsuit challenging the contraception mandate; nearly three dozen similar suits have been filed around the country.

Thursday's data didn't sway the critics.

Jeanne Monahan of the conservative Family Research Council suggested contraceptive use can encourage riskier sexual behavior.

"Additionally, one might conclude that the Obama administration's contraception mandate may ultimately cause more unplanned pregnancies since it mandates that all health plans cover contraceptives, including those that the study's authors claim are less effective," Monahan said.

Here's why this is a public health issue: Nearly half of the nation's 6 million-plus pregnancies each year are unintended. An estimated 43 percent of them end in abortion. Low-income women are far more likely to have an unplanned pregnancy than their wealthier counterparts.

"We shouldn't have, in my view, a tiered system where the women with money can get family planning and the women without cannot," said Peipert, noting that 39 percent of the women in his study had trouble paying basic expenses.

About half of unplanned pregnancies occur in women who use no contraception. As for the other half, condoms can fail and so can birth control pills or other shorter-acting methods if the woman forgets to use them or can't afford a refill.

In contrast, you can forget about pregnancy for three years with Implanon, the implant inserted under the skin of the arm. An IUD, a tiny T-shaped device inserted into the uterus, can last for five to 10 years, depending on the brand. Change your mind, and the doctor removes either device before it wears out.

Only about 5 percent of U.S. women use long-acting contraceptives, far fewer than in other developed countries. Peipert said insurance hasn't always covered the higher upfront cost to insert them, even though years of birth control pills can add up to the same price.

Yet three-quarters of his study participants chose an IUD or Implanon, and a year later 85 percent were sticking that choice - compared to about half who had initially chosen the pill, patch or other shorter-acting method.

Cost isn't the only barrier. Doctors don't always mention long-acting methods, maybe because of a long-outdated belief that IUDs aren't for young women or just because they assume women want the most commonly prescribed pill.

That was the case for Ashley England, 26, of Nashville, Tenn., who enrolled in the study while in graduate school in St. Louis. She had taken birth control pills for years but struggled with a $50 monthly copay. She switched to a five-year IUD, and loves that she and her husband don't have to think about contraception.

"No one had ever presented all the options equally," England said. "It's not telling you what to do. It's giving you a choice unhindered by money."

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sábado, 22 de setembro de 2012

Rates on 30-year mortgage fall to record low

AP  MARCY GORDONWASHINGTON -- The average U.S. rate on the 30-year fixed mortgage touched its record low this week and the rate on 15-year mortgage hit a new record.

The declines followed the Federal Reserve announcement last week that it would buy bonds to try to push mortgage rates lower and stimulate the housing market.

Mortgage buyer Freddie Mac said Thursday that the average rate on the 30-year loan declined to 3.49 percent from 3.55 percent last week. That matched the lowest rate since long-term mortgages began in the 1950s.

The average on the 15-year fixed mortgage, a popular refinancing option, plunged to 2.77 percent, a new record. That's down from 2.85 percent last week and the previous record low of 2.80 percent.

Cheap mortgages have helped drive a modest housing recovery this year. And the Fed wants to keep those rates low for the foreseeable future as a way to stimulate the economy.

Last week the Fed said it plans to spend $40 billion a month to buy mortgage bonds for as long as it thinks necessary to make home buying more affordable.

Mark Vitner, senior economist at Wells Fargo, said the stimulus likely helped lower mortgage rates this week. And the Fed's bond purchases will probably push rates down even further over the next six to nine months, Vitner suggested.

"Mortgage rates are going to be lower than they would otherwise," he said. "Housing looks like it's going to provide a significant lift to the economy over the next year."

The market is already benefiting from the lowest rates on record.

Sales of both previously occupied and newly built homes are up from last year. Home prices are rising more consistently. And builders are more confident in the market and are starting to build more homes.

The broader economy is also likely to benefit from a revival in the housing market. When home prices rise, Americans typically feel wealthier and spend more - a point made by Fed Chairman Ben Bernanke when he addressed the new stimulus measures last week.

Still, the housing market has a long way back. Sales and construction rates remain below healthy levels.

And some economists question whether lower rates will make much of a difference. The average rate on the 30-year fixed mortgage has been below 4 percent since early December. So most people who can qualify have likely already taken advantage of the lower rates.

Many people who would like to refinance or buy a home can't because they fail to meet stricter lending requirements or don't have enough money to make a down payment.

To calculate average rates, Freddie Mac surveys lenders across the country on Monday through Wednesday of each week.

The average does not include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount.

The average fee for 30-year loans was 0.6 point, unchanged from last week. The fee for 15-year loans also held steady at 0.6 point.

The average rate on one-year adjustable-rate mortgages was unchanged at 2.61 percent. The fee for one-year adjustable rate loans was steady at 0.4 point.

The average rate on five-year adjustable-rate mortgages rose to 2.76 percent from 2.72 percent. The fee was unchanged at 0.6 point.

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quarta-feira, 25 de maio de 2011

FBI: Violent crime rates continue to drop

See it on TV? Check here. AP  By PETE YOSTWASHINGTON -- Crime levels fell across the board last year, extending a multi-year downward trend with a 5.5 percent drop in the number of violent crimes in 2010 and a 2.8 percent decline in the number of property crimes.

Year-to-year changes released Monday by the FBI in its preliminary figures on crimes reported to police in 2010 also showed declines in all four categories of violent crime in 2010. All categories for property crime went down as well.

"In a word, remarkable," said James Alan Fox, a criminologist at Northeastern University. In Fox's view, the declines signify success for aggressive law enforcement and corrections programs and comprehensive crime prevention efforts. He said the crime levels could easily rise if the current environment of state and local budget cutting extends to law enforcement measures that are working.

Some experts are puzzled.

Expectations that crime would rise in the economic recession have not materialized. The size of the most crime-prone population age groups, from late teens through mid-20s, has remained relatively flat in recent years.

"I have not heard of any good explanations for the good news we've been experiencing in 2009 and 2010," said professor Alfred Blumstein of Carnegie Mellon University's Heinz School of Public Policy. "I hope the trend continues and I'm going to keep searching for answers."

Violent crime last increased in 2005. Property crime last increased in 2002.

The FBI reported that violent crime fell in all four regions of the country last year - 7.5 percent in the South, 5.9 in the Midwest, 5.8 percent in the West and 0.4 percent in the Northeast.

The bureau's preliminary statistics for 2010 are based on data from more than 13,000 law enforcement agencies nationwide.

Nationally, murder and non-negligent manslaughter declined 4.4 percent, forcible rape decreased 4.2 percent, robbery declined 9.5 percent, and aggravated assault was down 3.6 percent.

The downward trend for murder and non-negligent manslaughter was especially pronounced in the nation's smallest cities, where it went down 25.2 percent for cities under 10,000 people. Murder actually rose 3 percent in cities with populations of 250,000 to half a million. In New York City, the number of murders and non-negligent manslaughter cases rose from 471 to 536, up 13.8 percent.

Among property crimes, motor vehicle theft showed the largest drop in 2010 - 7.2 percent - followed by larceny-theft, which was down 2.8 percent and burglary, a decline of 1.1 percent.

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FBI crime data: http://tinyurl.com/3vdb3z7

(Copyright ©2011 by The Associated Press. All Rights Reserved.)
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