Hornung: Rising rates no reason to give up | Inside Real Estate News

Highlights:

• Lane Hornung addresses rising rates.
• Rates remain low by historical standards.
• Rates and home prices may rise even more.

Lane Hornung

In May, mortgage rates started to rise from their historical lows and now are hovering around 4.5 percent, more than a full percentage point higher than they were at the absolute bottom. However, they are still low by historical standards.

An analysis by InsideRealEstateNews of more than four decades of interest rate data, found the average 30-year, fixed-rate loan at the end June was 8.56 percent.

What do rising rates mean for today?s homebuyer? A look at options for a prospective homebuyer in today?s market is the subject of this month?s conversation between Lane Hornung, founder and President of 8z Real Estate, and John Rebchook, of InsideRealEstateNews.com.

John: Lane, what is house-hunting like today for someone who has been searching for a home for a few months, but still hasn?t landed one?

Lane: It could be a bit frustrating. Let?s say you were pre-qualified for a $300,000 home earlier this year and you started looking. You may have been out-bid and lost out on a listing or two that you really wanted. Now, your buying power has been eroded because of rising interest rates.

John: What does that mean for the consumer?

Lane: It?s a double whammy. Instead of a $300,000 home, you may now only qualify for a $270,000 home due the increase in rates. The second part of the double whammy is that homes prices have been rising. A home priced at $300,000 at the beginning of the year might now cost $315,000 or $330,000.

John: What are some of the options for this theoretical homebuyer?

Lane: One option, of course, is to take your ball and go home and get out of the market.

John: Is that a good idea?

Lane: Not necessarily, assuming you are buying for the right reasons. That is, you truly want or need a house and plan to stay in the house for a number of years. In some ways, throwing in the towel is an emotional decision borne out of missing the absolute bottom. It may not be the most rational decision, financially speaking, if you really want a home.

John: Can a prospective buyer count on a better time to buy in the future, with the idea that rising rates and more inventory will drive down prices?

Lane: It is very hard to time any market, whether it is the housing market or the stock market. Does the housing market care that you gave up? No, it does not.

John: Do you think we will ever see rates around 3.3 percent again?

Lane: If I were going to place a bet, I think it is more likely that rates will go higher, rather than fall back to their all-time lows. Also, keep in mind that a 4.5 percent rate, historically speaking, is a great rate.

Rising rates always knock some people out of the market and hurt affordability. On the other hand, rising rates can mean that the economy is getting better. If people have more money, and consumer confidence rises, that will increase the demand for housing.

John: So people can?t count on rates and or housing prices being lower a year from now?

Lane: Of course, nobody knows. Typically, real estate markets follow five-to-seven-year cycle and we are a couple of years into that cycle. That could mean that a year from now that $300,000 home is even more expensive than today, and interest rates are higher. If that is the case, you are only hurting yourself by waiting.

John: What are some of the options for someone who is prequalified for a $300,000 home?

Lane: One thing they could do is lower their expectations and buy a $270,000 home. Another option a good broker may suggest is a different neighborhood that is not quite as expensive as where they were previously looking,but close to those expectations.

John: How about an adjustable rate mortgage?

Lane: An ARM can be a very good choice, especially if you only plan to stay for 5 to 7 years. I?ve seen some very attractive ARMs recently. They are already starting to fill the void caused by rising fixed-rates.

John: Thanks, Lane.

8z Real Estate?is a sponsor of InsideRealEstateNews.com along with?Universal Lending?and?Land Title Guarantee, A monthly Q&A with Lane Hornung is a feature of IREN.?

Have a story idea or real estate tip? Contact John Rebchook at? JRCHOOK@gmail.com. To read more articles by John Rebchook, subscribe to the Colorado Real Estate Journal.

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Source: http://insiderealestatenews.com/2013/07/31/hornung-rates-remain-low/

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Loeb blasts Sony's 'bloated' entertainment division

Sony CEO Kazuo Hirai has said the company's entertainment division is off limits.

HONG KONG (CNNMoney)

Since May, the hedge fund investor has pressed Sony to spin off its entertainment division. The Japanese electronics giant has responded by indicating its movie and music business isn't going anywhere near an auction block at the moment.

Now, Loeb is increasing pressure on the company -- and he's not dancing around the key issues.

"Keeping entertainment underexposed, undervalued and underperforming is not a strategy for success," Loeb wrote in a July 29 letter to investors with his Third Point fund.

The letter says that profits from the division lag behind its competitors, a trend exacerbated by recent summer blockbuster films like After Earth and White House Down that "bombed spectacularly at the box office."

Loeb also issued a sharp critique of management in the entertainment division, saying the operation has a "famously bloated corporate structure, generous perk packages, high salaries for underperforming senior executives, and marketing budgets that do not seem to be in line with any sense of return on capital invested."

Sony won't realize its full potential unless it stops treating its entertainment division as a "red-headed stepchild," he said.

Related story: Nintendo's big problem

Third Point, as one of Sony's largest shareholders, has continued to raise its stake. In June, the fund boosted its holdings to about $1.4 billion.

Sony's earnings could benefit directly from a separation, as it "stands at the crossroads of compelling corporate opportunity and massive Japanese economic reform," Loeb wrote previously in a letter to the company. "Under Prime Minister Abe's leadership, Japan can regain its position as one of the world's preeminent economic powerhouses and manufacturing engines."

Related story: Why Dan Loeb loves Japan

Loeb has been vocal about his interest in Japan, telling investors that his firm is "extremely focused" on the country. At a hedge fund conference in May, Loeb said Japanese stocks were cheap despite recent strong gains.

Sony was noncommittal when asked for comment on Tuesday. The company said in a statement that it was "focused on creating shareholder value" while the board reviews Loeb's proposal, and "looks forward to a constructive dialogue with our shareholders."

Sony shares gained 3% in Tokyo trading and have surged 121% so far this year. The company will release its latest quarterly earnings report on Aug. 1.

-- CNN's Yoko Wakatsuki contributed reporting.

First Published: July 30, 2013: 4:52 AM ET

Source: http://rss.cnn.com/~r/rss/money_technology/~3/nwiY-netBk4/index.html

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Arkansas water park closes after rare meningitis is confirmed

By Suzi Parker

LITTLE ROCK, Arkansas (Reuters) - A popular Arkansas water park voluntarily closed after a 12-year-old girl who swam there was diagnosed with a rare case of parasitic meningitis, authorities said on Monday.

The Arkansas Department of Health and the U.S. Centers for Disease Control and Prevention confirmed the case last week. The owners of Willow Springs Water Park, which has been operating for 85 years, closed the park on Friday.

The disease is caused by a "brain-eating amoeba," according to the CDC website, that is found in warm rivers, lakes and streams, primarily in the southern United States.

The parasite can cause a rare but severe brain infection that is usually fatal. When the parasite enters the body through the nose, the illness can occur, the Arkansas Department of Health said.

Arkansas Health Department spokesman Ed Barham said tests had determined that the amoeba was in the water at the park.

The girl was in critical condition at Arkansas Children's Hospital in Little Rock, the Arkansas Department of Health said on Monday.

This is the sixth case of the disease in Arkansas in 40 years, the health department said, adding that the last case in the state was in 2010. There were 31 cases of the infection in the United States from 2003 to 2012, the CDC said.

"It is exceedingly rare," said Dirk Haselow, a state epidemiologist. "A sporadic case occurs one in 33 million."

(Reporting by Suzi Parker; Editing by Greg McCune and Steve Orlofsky)

Source: http://news.yahoo.com/arkansas-water-park-closes-rare-meningitis-confirmed-235129458.html

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"The Limbaugh problem is simply a reflection of the GOP problem: His followers a...

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House, Senate at odds over 2014 military, civilian pay raise

Congress is on a collision course over 2014 pay raises for service members and federal civilians.

In the House of Representatives, lawmakers support a 1.8 percent increase on Jan. 1 for active-duty and reserve troops, which would match last year?s average growth in private-sector wages. Defense civilians, whose pay has been frozen for three consecutive years, would get no increase in 2014.

But on Tuesday, the Senate defense appropriations subcommittee rejected the House plan. The panel?s version of the 2014 defense appropriations bill includes a 1 percent pay raise for military and civilian workers, effective Jan. 1.

Differences between the House and Senate plans will have to be reconciled before a final bill passes.

The White House and Defense Department are siding with the Senate. Defense and service officials are making an increasingly aggressive stand against a 1.8 percent pay raise, saying the slightly bigger increase would add $580 million to the defense budget in 2014 and $3.5 billion over five years. That money could be used instead for weapons modernization and other needs, officials have argued.

The White House opposes freezing federal civilian pay for a fourth year. The Defense Department?s cost for a civilian raise next year would be about $430 million, an expense that would eat up part of any savings realized from a lower military raise.

Source: http://www.navytimes.com/article/20130730/NEWS05/307300024

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Governors Martinez, Sandoval Can Teach GOP on Hispanic Outreach

Republican strategists are looking to the governors of New Mexico and Nevada for pointers as they focus efforts on trying to capture the surging, but traditionally Democratic, Hispanic vote to help turn more states red and recapture the White House.

Both states are primarily Democratic, but they elected Hispanic GOP Governors three years ago ? Susana Martinez in New Mexico and Brian Sandoval in Nevada.

According to Politico, campaign observers attribute their success to being able to stay true to the core GOP messages of smaller government and lower taxes, without alienating Latinos and women on social issues.

Both also focus almost exclusively on home-state issues and building their own brands as distinct from that of the national Republican Party, Politico reported.

While Martinez and Sandoval drew only a third of Hispanic support during their 2010 campaigns, they have since made strides among Latino voters by taking positions in the national immigration debate which has helped them engage more with the community.

Both now hove approval ratings near or above the 60 percent mark, Politico reports.

"Both of them have managed to build their own brand and stay far away from the national GOP infighting and Washington dysfunction," GOP strategist Ana Navarro told Politico. "They've stuck near to home; they've worked really hard . . . They are very busy being governors."

Latino Decisions pollster Matt Barreto suggests Republicans can continue to make strides with Hispanic voters even if they don't agree on all policy issues. Outreach is the key to success, he said.

"You have to either be a Hispanic Republican or be a Republican who is completely comfortable with the Hispanic community and Hispanic issues, like George W. Bush," Barreto told Politico.

? 2013 Newsmax. All rights reserved.

Source: http://www.newsmax.com/Politics/gop-strategists-hispanic-vote/2013/07/29/id/517539

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Software experts attack cars, to release code as hackers meet

Security

Jim Finkle Reuters

12 hours ago

Car hacking is not a new field, but its secrets have long been closely guarded. That is about to change, thanks to two well-known computer software hackers who got bored finding bugs in software from Microsoft and Apple.

Charlie Miller and Chris Valasek say they will publish detailed blueprints of techniques for attacking critical systems in the Toyota Prius and Ford Escape in a 100-page white paper, following several months of research they conducted with a grant from the U.S. government.

The two "white hats" ? hackers who try to uncover software vulnerabilities before criminals can exploit them ? will also release the software they built for hacking the cars at the Def Con hacking convention in Las Vegas this week.

They said they devised ways to force a Toyota Prius to brake suddenly at 80 miles an hour, jerk its steering wheel, or accelerate the engine. They also say they can disable the brakes of a Ford Escape traveling at very slow speeds, so that the car keeps moving no matter how hard the driver presses the pedal.

"Imagine what would happen if you were near a crowd," said Valasek, director of security intelligence at consulting firm IOActive, known for finding bugs in Microsoft's Windows software.

But it is not as scary as it may sound at first blush.

They were sitting inside the cars using laptops connected directly to the vehicles' computer networks when they did their work. So they will not be providing information on how to hack remotely into a car network, which is what would typically be needed to launch a real-world attack.

The two say they hope the data they publish will encourage other white-hat hackers to uncover more security flaws in autos so they can be fixed.

"I trust the eyes of 100 security researchers more than the eyes that are in Ford and Toyota," said Miller, a Twitter security engineer known for his research on hacking Apple's App Store.

Toyota spokesman John Hanson said the company was reviewing the work. He said the carmaker had invested heavily in electronic security, but that bugs remained ? as they do in cars of other manufacturers.

"It's entirely possible to do," Hanson said, referring to the newly exposed hacks. "Absolutely we take it seriously."

Ford spokesman Craig Daitch said the company takes seriously the electronic security of its vehicles. He said the fact that Miller's and Valasek's hacking methods required them to be inside the vehicle they were trying to manipulate mitigated the risk.

"This particular attack was not performed remotely over the air, but as a highly aggressive direct physical manipulation of one vehicle over an elongated period of time, which would not be a risk to customers and any mass level," Daitch said.

'Time to shore up defenses'
Miller and Valasek said they did not research remote attacks because that had already been done.

A group of academics described ways to infect cars using Bluetooth systems and wireless networks in 2011. But unlike Miller and Valasek, the academics have kept the details of their work a closely guarded secret, refusing even to identify the make of the car they hacked.

Their work got the attention of the U.S. government. The National Highway Traffic Safety Administration has begun an auto cybersecurity research program.

"While increased use of electronic controls and connectivity is enhancing transportation safety and efficiency, it brings a new challenge of safeguarding against potential vulnerabilities," the agency said in a statement. It said it knew of no consumer incident where a vehicle was hacked.

Still, some experts believe malicious hackers may already have the ability to launch attacks.

"It's time to shore up the defenses," said Tiffany Strauchs Rad, a researcher with Kaspersky Lab, who previously worked for an auto security research center.

A group of European computer scientists had been scheduled to present research on hacking the locks of luxury vehicles, including Porsches, Audis, Bentleys and Lamborghinis, at a conference in Washington in mid-August.

But Volkswagen obtained a restraining order from a British high court prohibiting discussion of the research by Flavio D. Garcia of the University of Birmingham, and Roel Verdult and Baris Ege of Radboud University Nijmegen in the Netherlands.

A spokeswoman for the three scientists said they would pull out of the prestigious Usenix conference because of the restraining order. Both universities said they would hold off on publishing the paper, pending the resolution of litigation.

Volkswagen declined to comment.

(Reporting by Jim Finkle in Boston; Additional reporting by Joseph Lichterman in Detroit and Christine Murray in London; Editing by Tiffany Wu and Peter Cooney)

Copyright 2013 Thomson Reuters.

Source: http://feeds.nbcnews.com/c/35002/f/663301/s/2f417d1f/sc/21/l/0L0Snbcnews0N0Ctechnology0Csoftware0Eexperts0Eattack0Ecars0Erelease0Ecode0Ehackers0Emeet0E6C10A773444/story01.htm

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Sina Weibo?s Failure: Why Chinese Companies Should Take the Rest of the World Seriously

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Last week, we reported that Sina Weibo has added Facebook login to its service to make it easier for overseas users to sign up. My response? Way too little, way too late.

A couple of years ago, Weibo was buzzing. Even outside China, lots of people were talking about it. But despite the interest from overseas pundits, brands, and social media watchers, Sina made pretty much no attempt to make the service accessible to anyone other than Chinese people. It didn?t even bother to localize the service in other languages (which would have been easy), let alone push more strongly into any new markets. And at the time, everyone seemed to think that made a lot of sense. China?s market, after all, was gigantic and still growing. Why should Sina even bother with foreigners when there was so much work still to be done in the Chinese market?

The short answer is risk. Although all markets are regulated by the government, China?s internet market is quite heavily watched, and especially with services that provide user generated content, the risk that the government is going to step in and change how things work is quite significant. This is, in fact, pretty much exactly what happened to Sina Weibo. the government wanted real name registration and stepped-up censorship practices. Users didn?t, so when an alternative service (WeChat) came along, people stopped visiting weibo so often.

Having realized this, it seems the company is now finally willing to implement a few features that benefit overseas users. Unfortunately, no one overseas cares anymore either. The buzz is gone, so there is no reason for social media fans to flock to Weibo, and Chinese users all appear to be headed to WeChat, so that?s where the foreign corporations are inevitably headed too.

Sina?s laser-like focus on the Chinese market two years ago prevented it from building up what probably could have been a significant market overseas. Was Weibo ever going to overtake Twitter in the United States? Probably not. But the service had enough unique features that it might well have gained a cult following, and I suspect it could have performed especially well in some of Southeast Asia?s developing countries.

WeChat?s success overseas despite the fact that the American chat app Whatsapp came first is proof that a Chinese company taking overseas markets seriously can still succeed there. And the good news for Tencent now is that even if China?s government implements regulations that drive domestic users away, the app now has a massive userbase overseas that it can turn to. I bet Sina wishes it was in a similar position, and it probably could have been if it had actually tried.

This is something I see frequently with Chinese tech companies. The rationale tends to be that China?s market is already big enough, and that Chinese companies don?t tend to do well overseas. I don?t dispute either of those points. But China?s market being big is meaningless if you are regulated out of it. And part of the reason for Chinese companies? lack of success overseas is that most of them barely try. How hard would it of been for Sina to implement a proper English language interface and interfaces in a few Southeast Asian languages? It would not have taken much effort, time, or money to do at least that. But at the time, Sina was not interested in the rest of the world. Now that China has moved on, I think Sina is going to find that the rest of the world is no longer interested in Sina.

And Sina isn?t the only Chinese company in this position; lots of Chinese tech firms operate China-centric businesses in sectors where the regulatory risk is quite high. For example, Chinese taxi apps are currently at risk of being squeezed out of that market by the government, but very few of them have attempted to expand overseas at all. We?ve seen lots of taxi apps fighting for market share in Southeast Asia. Why aren?t Chinese apps trying to be a part of that market, too?

Some people will tell you otherwise, but there are Chinese tech companies that are making world-class products. And frankly, it?s a damn shame that either due to incompetence or disinterest on the part of their producers, these products aren?t being shared with the rest of the world. If Chinese tech companies want to be successful on a global scale, they?re going to have to stop thinking of the rest of the globe as a last resort to come to only if China doesn?t work out.

This is not to say that they should focus only on overseas markets and ignore the Chinese market, which truly is massive and continues to grow an extremely rapid pace. But as Weibo?s fall from grace has shown us, even a product that?s the darling of the Chinese market one year can be seriously threatened by regulation and by competition. Having built markets in other countries would have helped Sina mitigate the risks inherent in the Chinese market like the mandatory censorship that has helped to sour many users on the service. Instead, Sina chose not to bother, and the Facebook login it is only now getting around to offering is a pretty meaningless gesture at this point. Other internet companies would do well to learn from Sina?s mistake.

Source: http://www.techinasia.com/sina-weibos-failure-chinese-companies-rest-world/

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Zuckerberg's Plan For Next 5 Billion Users - Business Insider

Reuters

Mark Zuckerberg

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Facebook's big increase in Q2 revenue ? it was up 53% to $1.81 billion ? took investors by surprise this week.

It should not have.

CEO Mark Zuckerberg has, refreshingly, spoken in plain English about exactly how Facebook's revenue will grow, and where its new users will come from, for months now. The company has been very clear that its user base is switching from desktop to mobile, and that is where growth will come from.

It's just that most people weren't listening.

Literally.

They see those little blue ads in Facebook that they "never" click on in the news feed, and assume that everyone else never clicks on them either, and that therefore Facebook has an uphill battle ahead of it. Especially as its user-growth is slowing.

Because, as we all "know," user-growth at Facebook is nearing an end. Facebook has about 1 billion users ? where could new users possibly come from?

But Zuckerberg just used his Q2 earnings call to spell out in detail exactly how he expects Facebook to connect 5 billion more people. It seems impossible, hyperbole. Six billion is almost the entire population of the Earth.

Given that everything Zuckerberg has previously told us has come true? ? surprisingly! ? perhaps we should hear him out. If you listen ? and do the math ? it turns out that Facebook has a 27-year plan for adding 5 billion more users.

Manifesto For The Future Of Facebook

Here's what he said. When you isolate Zuckerberg's words from the call, and edit them together, they form a sort of "Manifesto For The Future Of Facebook."

And it's all about the long-term. Zuckerberg used the phrase "long" or "long-term" six times on the call, so clearly that's what's on his mind.

The first thing to note about user growth is that since Q3 2011, Facebook has consistently, repeatedly added 45-50 million users every quarter. (See slide 4.)

That feels small because Facebook has 1 billion users.

But if some Silicon Valley startup suddenly reported that kind of user growth, it would be the hottest company in the U.S.

Because it's Facebook, no one cares.

Facebook's user base is very American, which another way of saying that there is a lot of growth available in Asia, Africa and other large, un-Facebooked geographies. Facebook's feature phone app, Facebook For Every Phone, has added 100 million users since its launch. Most Americans won't see it, because we use Facebook on smartphones. But if you're poor and foreign and you use a cheap or free phone, FEP is your Facebook.

Again: If there were a startup app company in New York's Flatiron district that had added 100 million users in the last couple of years, people would be raving about how awesome it is.

But because "we" can't see FEP, it doesn't count.

Long term, long term, long term

Here's how Zuckerberg sees that developing in the long term:

One of the questions I frequently get asked are what are the big changes we want to make in the world over the next 5 or 12 years? Now that we?ve connected a 1 billion people, what is the next big ambition? There are three main goals I would like us to achieve. Connect everyone, understand the world and help build the knowledge economy.

Connecting everyone is about growing our community to reach the next 5 billion people. Our mission is to give all people the power to share and make your world more open and connected. And that means everyone. Not just product in developed countries.

... I think we're early. And one of the interesting things over the past six months or so is reaching 1 billion people was this big rallying cry for the company for a long period of time. And I think as we've passed that, we've seen the ambition that the company has grow. And reaching 1 billion users was a great first thing to focus on because no one had ever built a service that had 1 billion active people who were signed in and had real identity before.

But in a way it's actually kind of just an abstract, there's nothing magical about 1 billion. The real goal is to connect everyone in the world and help people map out everything that there is.

In some ways this is just rhetoric. Many CEOs talk about connecting with "everyone."

The difference is that those CEOs are not adding $100 - $350 million in revenue to their businesses every quarter, and adding 45 million new customers every quarter, sequentially.

The flipside of being huge is that there are network effects and switching costs for customers who don't want to be part of Facebook. We've all got a couple of friends who refuse to be on Facebook. You know the ones. They're the guys who are always slightly surprised when you say that of course you've seen the new baby pictures from your old college buddies. They were on Facebook.

Not being on Facebook is a bit like not watching television. Sure, you can refuse to look. But it doesn't help you keep abreast of where the culture is headed.

Facebook is a lot like cable TV ? it's a utility that (nearly) everyone has, but few people have genuine affection for. We complain about it all the time. But imagine if it disappeared.

That's where Facebook is headed: It's going to become a global connection utility that we'll all use, even though it can be annoying.

Zuckerberg has chalked up 1 billion or more users in just nine years, and it's still clocking 45 million more every three months.

Skeptics should bet against the next 5 billion at their peril. At the current rate, it will take Zuckerberg only 27 more years to get there.

Disclosure: The author owns Facebook stock.

Source: http://www.businessinsider.com/zuckerbergs-plan-for-next-5-billion-users-2013-7

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US gas prices up 8 cents over past 2 weeks

CAMARILLO, Calif. (AP) ? The average U.S. price of a gallon of gasoline has jumped eight cents over the past two weeks.

The Lundberg Survey of fuel prices released Sunday says the price of a gallon of regular is $3.67. Midgrade costs an average of $3.85 a gallon, and premium is $3.99.

Diesel was up four cents at $3.93 gallon.

Of the cities surveyed in the Lower 48 states, Charleston, S.C., has the nation's lowest average price for gas at $3.34. Chicago has the highest at $4.10.

In California, the lowest average price was $3.83 in Sacramento. The highest was in Los Angeles at $4.04. The average statewide for a gallon of regular was $3.97, an increase of two cents.

Source: http://news.yahoo.com/us-gas-prices-8-cents-over-past-2-175059720.html

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Samsung Galaxy Note III may come in three screen sizes: 5.5, 5.7 and 6 inches

It's no secret that Samsung's working on a next-gen Galaxy Note, but little did we know that it might come in three screen sizes. We've previously seen the model number SM-N900 pop up in a number of places, and this time, our friend @techkiddy spotted the screen sizes alongside some new names on Zauba, a database that somehow tracks India's import and export shipments.

Unlike the rumors out there that only mention a single screen size, Zauba lists all 5.5-, 5.7- and 6-inch versions of this supposed Note III, and that these are all shipped to India "for R&D purpose." If true, this would match the multi-size strategy of the Galaxy Mega. Additionally, there are a handful of variant names here: SM-N900A, SM-N900AI, SM-N900P, SM-N900R4, SM-N900S, SM-N900T and SM-N900V. We're not quite sure what the differences are, but some of these are tagged with multiple screen sizes, so they're probably just packaged with different radios. Regardless, we have a feeling that JK Shin will tell us everything at IFA in September.

Update: Adam from Samsung Updates has explained what these model numbers mean. Go take a look.

Filed under: Cellphones, Mobile, Samsung

Comments

Via: Technology Blogs Simplified

Source: Zauba

Source: http://www.engadget.com/2013/07/26/samsung-galaxy-note-iii-three-screen-sizes/?utm_medium=feed&utm_source=Feed_Classic&utm_campaign=Engadget

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US stocks head for first weekly loss in July

In this Friday, June 28, 2013, photo, Trader Timothy Nick, right, works on the floor of the New York Stock Exchange. Asian stock markets floundered Friday July 26, 2013 as China pressed ahead with industrial restructuring that is partly to blame for slowing growth in the world's No. 2 economy. (AP Photo/Richard Drew)

In this Friday, June 28, 2013, photo, Trader Timothy Nick, right, works on the floor of the New York Stock Exchange. Asian stock markets floundered Friday July 26, 2013 as China pressed ahead with industrial restructuring that is partly to blame for slowing growth in the world's No. 2 economy. (AP Photo/Richard Drew)

NEW YORK (AP) ? Weak results from several U.S. companies helped drag the stock market lower Friday, putting major indexes on course for their first weekly loss this month.

Many traders are also looking ahead to a packed schedule of events next week, including a Federal Reserve meeting and the government's monthly employment report.

"There's just a deluge of market-moving events next week," said Jeffrey Kleintop, the chief market strategist for LPL Financial. "Traders seem to be erring on the side of caution today."

Expedia plunged 25 percent, the worst fall in the Standard & Poor's 500 index. The online travel agency reported earnings late Thursday that badly missed analysts' expectations. Higher costs were the main culprit. Expedia lost $16.62 to $48.38.

The Standard & Poor's 500 index was down four points, or 0.2 percent, to 1,686, as of 1:45 p.m. Seven of the 10 industry groups in the index fell.

The Dow Jones industrial average dropped 53 points, or 0.3 percent, to 15,503. The Nasdaq composite index fell one point to 3,605.

Before the market opened, Newmont Mining turned in a quarterly loss, largely a result of slumping prices for copper and gold. Analysts had predicted a slight profit. Newmont's stock fell 39 cents, or 1 percent, to $29.54.

Starbucks posted results late Thursday that beat analysts' estimates. Lower costs for coffee beans and better sales of salads and sandwiches helped. Starbucks jumped $4.71, or 7 percent, to $72.88.

It's nearly halftime in the second-quarter earnings season, and corporate profits are shaping up better than some had feared.

Analysts forecast that earnings for companies in the S&P 500 increased 4.5 percent over the same period in 2012, according to S&P Capital IQ. At the start of July, they predicted earnings would rise 2.8 percent. Nearly seven out of every 10 companies have surpassed Wall Street's profit targets.

The stock market hasn't ended the week with a loss since June 21, when speculation that the Federal Reserve would start easing off its support for the economy rattled financial markets.

Kleintop cautioned against reading too much into the drop on Friday or the weekly loss. The S&P 500 is still up 5 percent for the month and 18 percent for the year.

"It's just one week down after four up," he said. "If the market just goes higher and higher week after week, you would see a major swoon when it runs into some disappointing news."

In the market for U.S. government bonds, the yield on the benchmark 10-year Treasury note slipped to 2.56 percent from 2.57 percent late Thursday.

Long-term interest rates have swung in a wide range since early May as traders attempt to anticipate the Fed's next move. The yield on the 10-year note went as low as 1.63 percent on May 1 and as high as 2.74 percent on July 5.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2013-07-26-Wall%20Street/id-8443204cf3144b11a51bfa599896a739

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California political watchdog rebuffs request by Carlos Slim's firm

Mexican billionaire Carlos Slim at education conference in Lima, Peru. (Paolo Aguilar / EPA / July 11, 2013)

'; jQuery(document).ready(function(){ jQuery('#story-body-text').append(lifshersig); });

Source: http://www.latimes.com/business/money/la-fi-mo-carlos-slim-tracfone-20130727,0,3766705.story?track=rss

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How To Become An Expert In Affiliate Marketing - Internet Marketing ...

[unable to retrieve full-text content]Internet Marketing Forums. Knowledge, Tools & Marketplace ... If you think website marketing is a good match for you or your business needs, read on for some very useful advice. When choosing a tag for your website, it should be your best attempt at summarizing the core meaning of your business. Located in ... There's plenty of information online about CSS or HTML that will help you in web design. Spending just a half an hour every day learning about good web ...

Source: http://internetmarketingforums.net/?p=319

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Democracy means nothing to majority in India

When I compare China with India, I find that the former has progressed much more than us since our independence in 1947. I would suggest that we should emulate China; people say that China is a dictatorship while we have democracy which gives us freedom of thought and expression.

However, I find that in the Hunger and Poverty index we are below not only China but also Pakistan which means that there are more poor and hungry people in India than those in China or Pakistan. Now, these poor and hungry people form 40% of the population of India. They do not want any freedom or democracy but want nutrition, safe drinking water, health care, education, medical facilities, housing and clothes. They even do not understand what democracy and freedom of thought and expression mean.? Moreover, only freedom and democracy cannot feed them. Also, we see what democracy means when we watch our Parliament in session where the legislators behave like street goons throwing mikes and chairs at each other. What is the use of such democracy?

Now, having seen that poor people in India are not interested in freedom and democracy, let us see whether middle class people and upper class people are really interested in freedom and democracy.?? They, of course, form 60% of the population.

I come from a middle class. My son is working for a private firm where there is a system of hiring and letting off. He has no job security. He works very hard from morning till about midnight and has hardly time for such niceties as freedom and democracy. The company gives him no freedom. This is the case with most middle class people.

Take the case of my wife who is a housewife. She is too busy cooking, buying things from the market, cleaning the house to find time for what freedom and democracy offer. Even in the upper classes, most of the people being businessmen are too busy with their business concerns and greasing the palms of Govt. officials and politicians to take advantage of freedom of expression and thought.

Only retired people, politicians and journalists and other elite classes are interested in freedom of thought and expression and democracy, and they form a minuscule of the population.

Source: http://www.merinews.com/article/democracy-means-nothing-to-majority-in-india/15888234.shtml

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How to Survive as a Biofuel Maker: Sell Algae to Bakers [Slide Show]

Algal biofuels remain a distant prospect, but oil from algae might prove to be a more sustainable food

By David Biello

ALTERNATIVE OIL: By growing genetically-tuned algae in the dark fed on sugar, Solazyme can produce a wide array of oils for use in foods or fuels. Image: ? David Biello

• 

  Showcasing more than fifty of the most provocative, original, and significant online essays from 2011, The Best Science Writing Online 2012 will change the way...

  Read More??

SOUTH SAN FRANCISCO?The ice cream and caramels are delicious, but it's the brioche that really convinces you eating algae could be a winning idea. The oily, yellow, flour-like residue of wrung out algae?dubbed "algalin" by its marketers?can easily replace the butter and eggs in prototypical French pastry bread.

Even on its own, the algalin isn't bad. It tastes like pancake mix, minus the salt and baking soda but with the addition of olive oil. It definitely doesn?t taste like licking a bright green pond. "We were looking for biodiesel but found a product that's good for delivering fat," says Ken Plasse, vice president for business development at the algae company Solazyme. The brioche retains the oily, satisfying texture of baked goods but without the trans fats consumers have been taught to fear. The self-professed former consumer products guy adds: "I've never seen anything like it."

A tour of Solazyme takes me to the company?s headquarters, which occupies two nondescript buildings in this business-park city outskirts where companies move for the cheap rents and peace and quiet. The industry industrializing in South San Francisco is often the nascent synthetic biology business. A building that bears the logo of microbial fuel-makers LS9 is just up the road from the company that grows algae in the dark, Solazyme. To survive while Solazyme struggles with its original plan to develop fuels, the company uses its algae as a "conversion technology." In the words of co-founder, company technologist and president Harrison Dillon, the conversion technology of algae is a means of turning sugar into more lucrative molecules?and maybe saving the world in the process.

View a slide show behind the scenes at Solazyme

Plasse says, and my taste buds confirm, that algalin has "magical properties,? which allow it to replace butter and eggs in bread, craft healthy chocolate milk that tastes just a little bit salty or keep gluten-free breads from tasting dried out. An undisclosed set of companies have been testing the product since January, and Solazyme spokeswoman Genet Garamendi assures me sales of "whole algal flour" are expected soon. Making oil and algal flour for food represents a big change of direction for a company that originally intended to make biofuels from algae. "I'm not sure I knew what brioche was until I went down to that kitchen and tasted it," notes Jonathan Wolfson, co-founder and current company CEO.

Fuel cell
In 2003, college buddies Wolfson and Dillon started the company called Solazyme in a bid to turn algae into a source of fuel?for the hydrogen economy. That plan didn?t last long. "Hydrogen was not as feasible as we thought it was," Dillon notes, nor did open ponds prove a viable strategy for growing the algae, as they initially reckoned. "Oil is a much better thing to make."

Fuel was the reason they got into the business?it?s their plan to save the world. "Fuels are still a critical component in our future and the reason we get up in the morning," Wolfson says. "We're at the beginning with advanced biofuels. A lot of things people have tried won't work but that doesn't mean this isn't an area that will make progress." The company still has its test fleet of Volkswagens running on algal biodiesel, which employees drive on a rotating weekly basis.

Source: http://rss.sciam.com/~r/ScientificAmerican-News/~3/eEL7LnRlQhs/article.cfm

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Kickstarter Project Canceled After Dude Spends All the Money

If you were thinking about donating some money to help Spike Lee get back on his feet, maybe think twice: this guy just raised over $120,000 to make a game, and then just walked away with all the money. Contrary to what The Crowd Economy preaches, strangers can still screw you.

Read more...

Source: http://valleywag.gawker.com/kickstarter-project-canceled-after-dude-spends-all-the-912176282

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North Carolina lawmakers pass bill allowing concealed handguns in bars, restaurants

By Jeff Black, Staff Writer, NBC News

North Carolina is on the verge of letting handgun owners with concealed-carry permits bring their weapons into bars and restaurants and other places where alcohol is served, as long as the businesses don't forbid it.

The bill, passed Tuesday by North Carolina?s House and Senate, is on the desk of Republican Gov. Pat McCrory, who is expected to sign it.

Backed by Republican lawmakers as well as gun rights groups, the law would also allow concealed-gun permit holders to bring weapons on hiking trails, playgrounds and other public recreation areas.

And it would let gun owners store weapons in their cars on the campuses of public schools or colleges.

That provision was opposed by police chiefs at all 17 campuses in the University of North Carolina system, who said they feared car break-ins and an increase in gun violence on campus.

Student government associations, in a proclamation also opposed the bill. Dylan Russell, the student president at Appalachian State even wrote a personal letters to lawmakers:

?College is a time filled with many new experiences, and sometimes it can be a bit overwhelming. I personally do not believe that by having guns more accessible to college students we will be making campuses safer,? Russell wrote, according to the Winston-Salem Journal.

In an editorial, the Charlotte Observer called the bill, ?The wrong direction in gun legislation,? and said polls show people in North Carolina have ?expressed the desire for tightening, not loosening, gun laws.?

Backers of the expanding gun rights said the new rules were appropriate given the training and background checks involved in getting a concealed-gun permit.

"They?re the people we don?t have to worry about,? Sen. Thom Goolsby told WRAL TV.

The National Rifle Association's lobbying arm, the Institute for Legislative Action, also urged passage of the bill.

Source: http://feeds.nbcnews.com/c/35002/f/663306/s/2f1e1276/sc/22/l/0Lusnews0Bnbcnews0N0C0Inews0C20A130C0A70C240C196613450Enorth0Ecarolina0Elawmakers0Epass0Ebill0Eallowing0Econcealed0Ehandguns0Ein0Ebars0Erestaurants0Dlite/story01.htm

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Imitation In Dogs Matches Humans and Apes

[unable to retrieve full-text content]sciencehabit writes "The next time your dog digs a hole in the backyard after watching you garden, don't punish him. He's just imitating you. A new study reveals that our canine pals are capable of copying our behavior as long as 10 minutes after it's happened. The ability is considered mentally demanding and, until this discovery, something that only humans and apes were known to do."

Read more of this story at Slashdot.

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/4JysZmnPuqs/story01.htm

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Nike Air Revolution ?Safari? ? University Gold

The Nike Air Revolution ?Safari? in University Gold that we saw a short while ago seems to have gone through a slight change but looks great nonetheless. In a nutshell the safari print pattern has been condensed in a move that looks to give the pattern more bang for its buck. The real main event here however are the hits of University Gold on the tongue and outsole which gives the silhouette an entirely new life. Look out for these at Nike retailers soon.

Source Titolo

Nike Air Revolution "Safari"

Brand/Model: Nike Air Revolution

Colorway: White / Black - Wolf Grey - University Gold

Style Code
599462 102

Release Date
N/A

Source: http://feedproxy.google.com/~r/Kicksonfire/~3/BCrPvdZ7118/

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Restaurant Payments Platform Creator Viableware Raises $6.5M

Viableware, the creator of restaurant payment platform RAIL, has raised $6.5 million in Series B funding. Led by a group of angel investors and joined by Swiftsure Capital LLC, this round brings Viableware to a total of $7.45 million in funding. RAIL is designed to mimic the look of a traditional restaurant bill, while providing an electronic interface for easy and secure payment. Customers can use RAIL to calculate tips, split the bill and pay in several different ways, including credit or debit card, Paypal, or by smartphone. The system keeps credit card information safe by letting users swipe themselves and doesn’t keep unencrypted card information. This payment system has been in the media?since 2011, but Viableware CEO Snell tells me the two companies that have RAIL have only been using it for two months.?He says the funding will help implement more RAIL systems nationwide, as well as build the company’s sales and tech teams. RAIL is used by two restaurants in the Seattle area and launching in three more restaurants next month. Snell says several other national brands are still waiting to try it out, including P.F. Chang’s, which will pilot in the next few weeks. “What we’re doing essentially is we’re extending the point-of-sale system to the table,” Snell explains. “So we’re not a payment method, we’re actually a platform that all the payment methods would use.” Many restaurants already have a self-payment option in the form of small table kiosks, like Ziosk or E La Carte. E La Carte gives diners the option of ordering, paying the bill and playing games all from a tablet on the side of the table. Ziosk and E La Carte have been integrated into chains such as Chili’s, Outback Steakhouse and Genghis Grill.?However, Snell is opting for a different format to better serve his target clientele: upscale restaurants for leisurely dining. While tablets like E La Carte make for easy ordering and payment, RAIL is supposed to complement the waiter’s role rather than replace it. The platform comes as a package with hardware, support and installation, but prices range from?$300 a month to $550 a month for each restaurant location. The wait list for RAIL includes 1,700 new locations and 12 different restaurant groups.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/v-48I7L4-kk/

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T-Mobile HTC One update loses HDR camera settings in error, fix coming as soon as possible

Fix coming soon to restore HDR setting says HTC

The recent software update for the HTC One on T-Mobile has been pretty well received, except for one nagging little issue -- HDR mode in the camera setting for still pictures has disappeared. The setting remains for video, but there's just no entry for taking HDR pictures. A few people have noticed, and we reached out to HTC to see what was up. 

Turns out it's just a bug, and HDR mode hasn't been removed from the HTC One camera. HTC's official statement:

A recent software update for the HTC One on T-Mobile USA provides a number of software fixes but it also inadvertently removes HDR mode from the camera settings. HTC is aware of this issue and will be pushing out a fix for impacted customers as soon as possible.

As soon as possible can mean different things to different people, but we're going to think it means just that -- soon. Keep an eye out for an update and we'll do the same.

Via: T-Mobile HTC One forums

Source: http://feedproxy.google.com/~r/androidcentral/~3/ela2jOOH5_k/story01.htm

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Soccer-Hiddink resigns as Anzhi manager, linked with Barcelona

MOSCOW, July 22 (Reuters) - Guus Hiddink has resigned as manager of Anzhi Makhachkala, the wealthy Russian club said in a statement on their website (www.fc-anji.ru) on Monday amid reports he was favourite to take over at Barcelona.

Hiddink, former Dutch national team coach, joined Anzhi in 2012 and resigned after only two games of the current season following a defeat against Dynamo Moscow.

Barcelona are looking for a coach to replace Tito Vilanova who was forced to step down last week as he undergoes continuing treatment for throat cancer. (Writing by Toby Davis in London; editing by Justin Palmer)

Source: http://news.yahoo.com/soccer-hiddink-resigns-anzhi-manager-linked-barcelona-152232271.html

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Clonan Wicks-Staley Post earns top seed for American Legion baseball

Clonan Wicks-Staley Post is the top seed for the eight-team District V American Legion Baseball Championships beginning Monday.

Clonan Wicks-Staley shares an 11-3 record with No. 2 Smith Post and third-seeded Fort Schuyler.

CW-S opens the double-elimination tournament hosting No. 8 Roberts (8-7) at 4:30 p.m. at Sauquoit Valley High School.

Smith Post hosts No. 7 Sherrill Post (8-6) at 4:30 p.m. Monday at the old Rome Free Academy. Fort Schuyler hosts No. 6 Moran Sylvan Beach (8-6) at 4:30 at Murnane Field at Donovan Stadium in Utica.

Fourth-seeded New Hartford (10-4) hosts No. 5 Whitestown Post (8-6) at 4:30 p.m. Monday at New Hartford High School.

The higher-seeded teams host games at 4:30 p.m. Tuesday. The tournament moves to Murnane Field beginning Wednesday.?

Source: http://www.uticaod.com/sports/x997486008/Clonan-Wicks-Staley-Post-earns-top-seed-for-American-Legion-baseball?rssfeed=true

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Obama to begin new series of economic addresses

FILE - This July 19, 2013 file photo shows President Barack Obama speaking to reporters in the Brady Press Briefing room of the White House in Washington. Drawing renewed attention to the economy, Obama will return this week to an Illinois college where he once spelled out a vision for an expanded and strengthened middle class as a freshman U.S. senator, long before the Great Recession would test his presidency. (AP Photo/Manuel Balce Ceneta, file)

FILE - This July 19, 2013 file photo shows President Barack Obama speaking to reporters in the Brady Press Briefing room of the White House in Washington. Drawing renewed attention to the economy, Obama will return this week to an Illinois college where he once spelled out a vision for an expanded and strengthened middle class as a freshman U.S. senator, long before the Great Recession would test his presidency. (AP Photo/Manuel Balce Ceneta, file)

WASHINGTON (AP) ? Drawing renewed attention to the economy, President Barack Obama will return this week to an Illinois college where he once spelled out a vision for an expanded and strengthened middle class as a freshman U.S. senator, long before the Great Recession would test his presidency.

The address Wednesday at Knox College in Galesburg, Ill., will be the first in a new series of economic speeches that White House aides say Obama intends to deliver over the next several weeks ahead of key budget deadlines in the fall. A new fiscal year begins in October, and the government will soon hit its borrowing limit.

The speech comes just a week before Congress is scheduled to leave for its monthlong August recess and is designed to build public pressure on lawmakers in hopes of averting the showdowns over taxes and spending that have characterized past budget debates.

In his economic pitch, Obama will talk about efforts to expand manufacturing, sign up the uninsured for health care coverage, revitalize the housing industry and broaden educational opportunities for preschoolers and college students. He will also promote the economic benefits of an immigration overhaul.

The White House is promoting the speech as part of an arc of economic messages from the president that began at Knox College in 2005, when Obama was in his first year in the Senate. Since then, Obama has sought to raise the profile of his economic agenda with periodic speeches, including one at Georgetown University in Washington in 2009 and one in Osawatomie, Kan., in 2011. The White House posted a video highlighting Obama's previous economic addresses.

The president will also speak Wednesday at the University of Central Missouri in Warrensburg, Mo.

Obama's focus on the economy comes as he has experienced a degree of success with the Senate, which passed an overhaul of immigration laws and unclogged a Republican blockade against several presidential nominations. It also reflects a belief at the White House that the administration has been able to manage a series of confrontations with Congress over the Internal Revenue Service, phone surveillance of Americans and the deadly attack on the U.S. consulate in Benghazi, Libya.

"The president thinks Washington has largely taken its eye off the ball on the most important issue facing the country," Obama senior adviser Dan Pfeiffer said Sunday evening in a message sent to the White House's public email list. "Instead of talking about how to help the middle class, too many in Congress are trying to score political points, refight old battles and trump up phony scandals."

Obama's agenda still faces stiff opposition in the House, where Republicans have a majority. On immigration, for example, Speaker John Boehner has said the House will not pass the Senate bill and, instead, intends to deal with the issue on a piecemeal basis.

Obama is pushing to end the federal budget cuts that kicked in this year so they don't extend into the next fiscal year. That could create a showdown with congressional Republicans in September, as the end of the current fiscal year approaches. Some Republicans also want more deficit reduction as a price for raising the debt ceiling, a bargain Obama says he will not make.

Republicans are fundamentally opposed to Obama's mix of budget cuts and tax increases. It wasn't until after last year's election that Republicans agreed to increase taxes for the wealthiest Americans in a deal that kept taxes for most Americans at rates set during the administration of President George W. Bush.

Appearing on CBS' "Face the Nation" Sunday, Boehner said the way to get the economy moving again is by stopping unnecessary regulations and bringing the federal deficit under control.

Describing "this new normal of slow economic growth, no increase in jobs that are available, wages are being basically frozen," Boehner said: "We're squeezing the middle class. And I would argue the president's policies are getting in the way of the economy growing, whether it's Obamacare, whether it's all these needless regulations that are coming out of the government."

Obama has some wind at his back as the economy continues its recovery from the recession that began during the Bush administration. Housing is coming back, the stock market is on an upswing and consumer confidence is generally higher. But unemployment, while down from a peak of 10 percent in 2009, remains high at 7.6 percent and economic growth remains modest.

Pfeiffer said Obama will unveil some new ideas, outline steps Congress can take and identify measures he can initiate on his own.

"He'll talk about the progress we've made together, the challenges that remain and the path forward," Pfeiffer said.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2013-07-21-US-Obama-Economy/id-c19b0a4d8b5d46ddb8280f0d0ab0de55

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