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Downpayments still keeping homebuyers away
in The Mortgage Roadmap, on July 13, 2009
...ways been a struggle for buyers to scrape together enough money for a downpayment. After all, homes aren't cheap. Who has $10,000 or more just lying around for a downpayment?
During the housing b... ...together enough money for a downpayment. After all, homes aren't cheap. Who has $10,000 or more just lying around for a downpayment?
During the housing boom — which ran through a portion of...
Chrome OS: The reflective phase
in The CIO Weblog, on July 10, 2009
...ompass most of the other arguments I have heard in this vein so far:
Linux is hard to love
We aren't ready to run everything on the Web
Microsoft is a formidable opponent
Google fails of...
Do you still have faith in Obama's stimulus plans?
in The Mortgage Roadmap, on July 10, 2009
...hat Obama's $787 billion stimulus plans were either too timid or too wrong-headed. Some critics aren't content with that; they say that Obama's plans are both too meek and too nonsensical.... ...hough they've inched upwards during the last three months, are still far below where they stood just one year earlier.
So the question is: Do you have any faith in Obama's economic stimulus ...
Why it matters if your neighbor's struggling to pay the mortgage
in The Mortgage Roadmap, on July 9, 2009
...is whole thought process before. I've argued that most homeowners facing foreclosure these days aren't doing so because they were greedy. Most are suffering because they've lost their jobs...
Instruction From A Pro Digital Photographer During A Day Long Field Trip
in Digital Shot, on July 8, 2009
... to take pictures and then receiving an on the spot critique and advice.
Well, for those of us who aren't that lucky, and that's nearly all of us, I found an excellent and highly informative ... ...that lucky, and that's nearly all of us, I found an excellent and highly informative account of just such a day conducted by professional photographer David Parry.
Check out this day of digital...
Good News for Liberal Arts Majors - StarCraft Classes Now Available
in The Gadgets Weblog, on July 2, 2009
... You can learn to be the best, from the best, and it will only cost you $25 - $35 per hour.
These aren't just any Starcraft lessons. No sir! These Starcraft lessons are taught by a genuine, 100%,... ...arn to be the best, from the best, and it will only cost you $25 - $35 per hour.
These aren't just any Starcraft lessons. No sir! These Starcraft lessons are taught by a genuine, 100%, no-foolin,...
Plenty of Fish Gets the MySpace Look
in The Dating Weblog, on June 28, 2009
...t generic clip art on their profiles? We'll see. It may be worthwhile to note that these really aren't themes, they're background images, and I can't even see mine unless my browser wi...
FIA公布和解协议内容 FOTA明日宣布取消另立赛事
in Wangtam, on June 25, 2009
... Marx (!) attacks RIAA after $1.92M Thomas verdict
• Transformers：Revenge of the Fallen 剧照
• Speed Test: iPhone 3GS Even Faster than Apple Claims
• Sharp TVs, Monitors Banned From U.S. in Samsun...
Don't believe the homeownership hype
in The Mortgage Roadmap, on June 24, 2009
...'t buy a house becasue it's a good investment.
There's a simple reason for this: Homes aren't as good of an investment as real estate agents and mortgage loan officers make them out t... ...inancial gain there.
Secondly, don't forget that owning a house means spending on maintenance. Just last night, for instance, our air-conditioning went out on the hottest day of the year. We had ...
E-mail traffic analysis reveals disruptions
in The CIO Weblog, on June 23, 2009
...aware of or not interested in. It seems to me that the tool is a valuable one, however, even if you aren't using it to snoop; other applications may reveal insider threats or internal disruption... ... that anyone is reading internal e-mail, although that happens to; it's that you can tell a lot just by who is talking to who else, and how often.
While common knowledge among the lower ranks, th...
Did Sonia Sotomayor's mortgage views help send county into recession?
in The Mortgage Roadmap, on June 23, 2009
...fact, you could argue that it's the upper-middle-class home buyers who are to blame. After all, aren't they the ones who took out adjustable-rate mortgages with artificially low initial intere... ...upper-middle-class home buyers who are to blame. After all, aren't they the ones who took out adjustable-rate mortgages with artificially low initial interest rates just so they could squeeze into...
Climate change impacts
in Sox First, on June 18, 2009
...continue the briefings throughout the week ... At the same time, administration officials said they aren't using the document as a policy prescription, but more as an impetus to action in general....
Gmail drives Enterprise Apps adoption
in The CIO Weblog, on June 17, 2009
...to Google Apps, Gmail."
It's no huge surprise that the second is driving the first; they aren't moving for the "Apps," they are moving for the mail. The impetus behind that is... ...e impetus behind that is no surprise, either: cost and the reduction of complexity (which is really just a different kind of cost). I think if there is anything in the whole scenario that surprises me...
IBM's confusing cloud strategy
in The CIO Weblog, on June 15, 2009
...ant to get on the cloud bandwagon but don't actually much like the idea of a cloud... and those aren't really cloud-anything coming from IBM, just consulting and hardware sales on enterprise p... ...tually much like the idea of a cloud... and those aren't really cloud-anything coming from IBM, just consulting and hardware sales on enterprise projects, which is hardly a departure for the compa...
Unemployment: are the numbers lying?
in Sox First, on June 14, 2009
...on't take into account discouraged job seekers. Simply put, they have given up because the jobs aren't there. Frank Bass from Associated Press expands on that further here . The official rat...
Will rising mortgage interest rates stop housing recovery?
in The Mortgage Roadmap, on June 11, 2009
...me sales we've seen the last two months is permanent. Let's hope that rising interest rates aren't enough to knock this beginning recovery off track.
... ... interest rate on a 30-year fixed-rate mortgage rose to 5.79 percent. That's up 5 percent from just two weeks ago .
Let's hope that these higher rates really don't slow housing's rec...
Snow Leopard makes 7 look expensive
in The CIO Weblog, on June 9, 2009
...m, and although the price drops across the product line are welcome and possibly even overdue, they aren't the deciding factor for businesses accustomed to evaluating products in terms of TCO. The...
Recession Forces More Golf Deals
in Eagle Par Birdie, on June 8, 2009
..., Texas was the pioneer and it has been used elsewhere, including Canada.
However, the memberships aren't cheap and are often complex. Plus you still pay an annual fee and you're responsible ... ...hey will filter in to the clubhouse for drinks and food afterwards.
Few people visit a golf course just to have a steak sandwich and a beer.
The first decent marketing measure was probably equity me...
T-Mobile To Release Second Android Phone While Samsung Targets Photogs
in The Mobile Technology Weblog, on June 5, 2009
...h its second smartphone to run Google's Android operating system in a few weeks.
While details aren't overly specific just yet, the new smartphone is slotted to run Google's codenamed &qu... ...run Google's Android operating system in a few weeks.
While details aren't overly specific just yet, the new smartphone is slotted to run Google's codenamed "Cupcake" version of...
Apps adoption not so terrible
in The CIO Weblog, on June 5, 2009
...w. Girouard, and Google as a whole, are too content with what progress they have already made. They aren't hungry. It shows; the Apps enterprise roll-out has been characterized by a typical laid-b... ...an real right now" it turns out that the people who actually have the data say they are doing just fine. Google Enterprise president David Girouard, in a talk at Bank of America and Merrill Lync...
Be honest with your finances before taking on a mortgage
in The Mortgage Roadmap, on June 2, 2009
...t introductory interest rate adjusts, usually to a far higher one, those mortgage payments suddenly aren't so affordable.
It always make sense for borrowers to take a good, honest look at their f... ...for this burden.
What often happens, though, is that borrowers fall in love with a home that's just a bit outside their price range. Instead of passing, too many instead take out a mortgage loan ...
Loan modifications not always helping homeowners
in The Mortgage Roadmap, on May 26, 2009
...hat no one is kicked out of their homes.
The Journal story, though, says that these modifications aren't quite working .
The paper cites a Fitch Ratings report that points out that subprime loa...
You can lower your mortgage interest rate -- BEFORE you take out that loan
in The Mortgage Roadmap, on May 25, 2009
...low 5 percent. Historically, that's an amazing rate.
That doesn't mean, though, that there aren't a whole lot of borrowers — or soon to be borrowers — who don't want to lo...
National Venture Capital Association: Suggestions and Blind Spots
in TJ's Weblog, on May 25, 2009
...heir investment in the new company. So the meager number of IPOs last year means that most VC funds aren't getting a return on their investment at the moment; their money is tied up in start up co... ...urther erode investor trust, not build it up.
Venture capital firms are probably going to have to just weather the storm, like the rest of us. Bulger seems to be saying that he's not sure they s...
Times' reporter's story a reminder: It's easy to fall into foreclosure nightmare
in The Mortgage Roadmap, on May 15, 2009
...r mortgage loan after receiving a foreclosure notice from their lender. Their lender, though, is apparently too busy to deal with this. As of the time of the story, the Andrews hadn't paid their m... ...ught homes that we could afford.
They're always surprised when I tell them that many of us are just a bad break or two away from foreclosure ourselves. What if you lost your job? What if you suff...
Time to lob a Molotov cocktail
in The CIO Weblog, on May 14, 2009
...hniques and technologies into the business, but they tend to be focused on their own problems, and aren't thinking much or talking to anyone about the big picture.
So I am putting up a new site, ... ...utting up a new site, AgileOperations.net , to talk about, and keep track of, developments in not just new technologies but in the new process models which they allow us to apply to the fundament...
Selling to Procurement Organizations
in The Outsourcing Weblog, on May 10, 2009
...ust and, dare I say, contempt for the very people that one must deal with. After all, sales people aren't going away anytime soon. And procurement departments will continue to reach up the value c... ...responses, no suggestions on how to work with each group of customers to improve the overall deal. Just a good bit of ranting.
My favorite read was Tibor Shanto's blog, " The Pipeline ,"...
Bacteria with Multiple Antibiotic Resistance in Waste Treatment Plants
in The Biotech Weblog, on May 10, 2009
...39;t that treatment plants don't do a good job of cleaning the water-it's that they simply aren't equipped to remove all antibiotics and other pharmaceuticals entering the treatment plants...
Microsoft needs LESS focus, not more
in The CIO Weblog, on May 8, 2009
...siness when necessary, or when presented with a new opportunity. Their biggest business units today aren't what they started out with. From operating systems to applications, from desktop software... ...ot; on its core desktop and server offerings the last time the tech sector hit a downturn? It's just as telling that everyone I read who says that Microsoft needs to focus lists a different area t...
Grocery Money and Fresh Vegetables
in The Personal Finance Weblog, on May 5, 2009
...oon to ut out tomatoes; another 10 days and the risk of frost will be relatively low...)
Maybe you aren't a fan of spinach. Personally, I love fresh spinach with onions and crumbled bacon, served...
Palm Eos Coming to AT&T Wireless
in The Wireless Weblog, on April 30, 2009
...low-up to the Centro on AT&T 's network — which, for those of us who love Palm but aren't all that excited about Sprint , is very good news indeed...
"The device is a bar-...
Webkinz Day 2009
in WebKinzBlog, on April 28, 2009
...ld be happening with the Webkinz ExtravaGanza in your local area and online. The ExtravaGanza's aren't really a big deal here in our area anymore - somehow now that you can buy webkinz everywh... ... annual celebration of webkinz. Log into your account to get your goodies specifically realized for just this very event. Items are the same as last year but updated from third anniversary to fourth, ...
Pandemic preparation in the IT department
in The CIO Weblog, on April 28, 2009
...might prove to be a curse disguised as a blessing; many responsibilities might devolve to IT which aren't currently in its purview when the CEO realizes it is the most functional department left i...
Study Finds Pirates Buy More Music
in P2P File Sharing, on April 24, 2009
...usic than the industry wants to admit, and that P2P isn't the primary reason why other people aren't buying music. 73 percent of of respondents to the CRIA's survey said that they bought ...
Clothing Optional in Bavaria
in The Flyaway Weblog, on April 23, 2009
...ntly also have to promise not to take anyone's picture without their permission (though cameras aren't completely banned) and to "assert allegiance to the nudist movement."
The l... ...ract the growing European population of naturists, those who believe mingling in the buff is, well, just plain better. Going farther than merely clothing-optional, the hotel plans to require guests to...
To panic, or not to panic
in The CIO Weblog, on April 22, 2009
...ed. An unanticipated side effect was failure of software systems internal to the hospital, which apparently required outside connectivity to function.
All this causes understandable concern over the ... ...An article by Bruce Perens just popped up on Slashdot discussing what he is calling a "Cyber-Attack" on April 9 in Santa Clara and Santa Cruz counties in Northern California. A slightly le...
Own One of the Greatest Racing Prototypes at Ferrari Leggenda e Passione
in Classical Drives, on April 21, 2009
...formance. As of this writing, not a single point earned. It's not that the team and its drivers aren't capable of winning but all-new technical regulations found them lagging behind the compet...
Introducing the 3G T-Mobile Sidekick LX
in The Wireless Weblog, on April 17, 2009
...provements in hardware, the new Sidekick LX features a slew of cool social-networking features that aren't yet widely available in the U.S.," notes BusinessWeek's Olga Kharif . "The...
Is all this free sustainable?
in The CIO Weblog, on April 16, 2009
...t great from the perspective of the state of the art; MLB.TV may be a sustainable business but they aren't exactly pushing the boundaries of modern technology and its uses the way that YouTube has... ...ithout them for a long time, and they aren't like, say, electricity, in their utility. They are just fun for most people, and all those people have alternatives when it comes to fun.
For business...
Canadian Golf Prepares for Storm
in Eagle Par Birdie, on April 13, 2009
...So, will golfers continue to be consumers or will they batten down the hatches?
Golf course owners aren't waiting to find out. The season's too short to simply to hope things will work out.
... ...sion - or depression - since the Great Depression of the 1930s.
In Canada, the poisoned waters are just beginning to lap up against its economic shores.
Yes, jobs have been lost; yes, the auto indu...
Easter egg and flower sales boom in recession
in Sox First, on April 10, 2009
...rts that while overall flower sales are down slightly, selling tulips is a thriving business. Roses aren't doing too bad either. The Israel Flower Growers Association has reported a 5% to 10% ri...
ATM Skimmers are High Tech Robbery
in The Gadgets Weblog, on April 10, 2009
... know is that their use across the globe and throughout the US is dramatically on the rise. If you aren't familiar with ATM skimmers, they are a ATM/credit card reader that fit over the card slot ... ...ltiple ATM card skimmers found in California, Colorado, in Australia, Ireland, and Israel. This is just not good.
So, stop using ATM's; try using cash back on a debit card purchase at a supermark...
American Airlines Dropped The Ball. Repeatedly
in The Aviation Weblog, on April 8, 2009
...case it didn't cost anything more than money. It could have turned out much worse.
The pilots aren't the only one's to blame, though. There were also records from the National Transportat...
Jabra HALO is the Bluetooth Headphone Set For Me
in The Gadgets Weblog, on April 8, 2009
... hours of talk / music time, and 13 days of standby. The headphones are over the head type, so they aren't going to be the best for any athletic activities, but they are small and lightweight (onl... ...seems a bit pricey. I have to believe that the quality will be good, and the sound will match. I am just excited that the iPhone will finally support a Bluetooth convenience that other phones and wire...
Here we go again
in The CIO Weblog, on April 6, 2009
...deal showing a united front, confident in their ability to prevail alone. Squabbling and infighting aren't going to convince anyone of the long-term stability of the company.
My guess is that thi... ...oo and Microsoft haven't gone away yet, much to my annoyance). What is up with these companies? Just roll over and be acquired already! Does anyone at Sun imagine a song and dance routine is going...
Compatible Partners: eHarmony Goes Gay
in The Dating Weblog, on March 30, 2009
...e new site earlier this month. She found problems. A quick review of the site shows that they still aren't ready to open up shop, but interested users can easily sign up to get an email reminder w...
Live Jazz in Los Angeles
in Hidden Travel Gems, on March 29, 2009
...I love live jazz. And there aren't many places with a more vibrant jazz scene than L.A.
Gridskipper ran a piece on the Los Angeles jazz scene last month that's worth looking back at. A lo...
G20 protest meltdown
in Sox First, on March 28, 2009
... to use Twitter and text message alerts to stay one step ahead of the cops. Police, for their part, aren't giving much away apart from letting the world know they'll be out in force and they&#...
Verizon Confirms Netbook Rumors
in The Mobile Technology Weblog, on March 27, 2009
...#39;s stores, and retail partners will likely stock them shortly thereafter. Price and plan details aren't complete.
...
A service pack milestone
in The CIO Weblog, on March 27, 2009
...or almost every operating system released since 2000. But Silver is correct that most organizations aren't particularly well set up to implement a new base OS release as soon as it comes out anywa...
Google is Getting Serious With GMail Labs
in The Gadgets Weblog, on March 23, 2009
...
I use GMail for my personal email needs; in fact, my whole family does. If you aren't a GMail user, it is time to get with it. If you are a GMail user, then I hope you have checked out the ma...
Why Geithner's plan won't work
in Sox First, on March 23, 2009
...arket prices for currently illiquid assets." The problem with this approach is that investors aren't really taking that big a risk, it's underwritten by the US Government. It's a poi...
AIG witch hunts: the new McCarthyism
in Sox First, on March 21, 2009
...s turning into a witch hunt. As lisa Solod Warren writes in the Huffington Post , these people aren't criminals and to attack them at a time when the US is pouring billions into zombie banks ...
Systems and the AIG catastrophe
in The CIO Weblog, on March 18, 2009
...em off. Forget being worried about their departure: arrange it for them! Jobs in financial services aren't exactly abundant these days. Can 'em all and offer to hire them back, at much reduced... ...een as culpable for leading the company into the dire straits in which it is in today.
Liddy's justification for this is that these people, together with their questionable judgement, are necessa...
The bear is bouncing
in Sox First, on March 14, 2009
...(domestic) cork and tip the band to strike up 'Happy Days Are Here Again!' Except that they aren't. The Dow is down from its all-time high, its 2007 close, its 2008 close and any point aft...
My Buddies are Matt & Nat
in Pretty Things, on March 13, 2009
...ummer, this is perfect to wear on rooftop decks, going out at night and so much more. If large bags aren't your thing, then you will also find clutches as well. There is no time like the present t...
Madoff to jail, SEC in the dog house
in Sox First, on March 13, 2009
... of white collar inmates. The first are the 'Masters of Universe' type. These are folks who aren't used to taking orders and go into prison with an attitude and an arrogance that not only ... ...po at Newsday says Madoff's plea is likely to result in a major shake-up at the SEC. Let's just see. The kind of culture that produced that sort of neglect will be hard to change.
...
Managing IT costs
in The CIO Weblog, on March 11, 2009
...lusion these events draw me to is that CEOs blithely wander along assuming that their organizations aren't operating at peak efficiency, and don't bother to do anything about it until they are... ...odels that those alternatives are showing you internally, so that you can provide the same services just as easily, and just as efficiently.
I understood Marc's general approach a bit better when...
Warning to CFOs: don't trust HR
in Sox First, on March 11, 2009
...er pressure and morale is low. Beatty has a point. Part of the problem is that most HR people just aren't strategic. They're not that smart. Think of the best and brightest at university. How... ...e under pressure and morale is low. Beatty has a point. Part of the problem is that most HR people just aren't strategic. They're not that smart. Think of the best and brightest at university...
Depression
in WebKinzBlog, on March 10, 2009
...ood folks at WI have had better luck and Webkinz gave them an update. The idea was that even if you aren't playing with a pet, they are still 'alive' and get hungry and bored. I'm sorr... ...blems with pet's status. I finally stopped looking at the 'My Pets' listings b/c it was just depressing me too. One day I spent $300 just trying to get one page of my pets back happy, heal...
GM - too big to fail?
in Sox First, on March 7, 2009
... in this truly difficult economy. But we're not giving up, we're not giving in, and we sure aren't planning on going away. The White House, which is still considering a request for billio... ...out in the Viability Plan - a restructuring that's already well underway - will position us not just for survival but success, once the market recovers and global auto sales reflect a stronger eco...
Preview of Sony Stylish CMT-Z100iR iPod Component System Looks Hot
in The Gadgets Weblog, on March 6, 2009
...s and some serious surround and bass emulation.
At this point, this is a leaked product, so there aren't many details as far as dates and price, but Sony Insider is guessing that the CMT-Z100i... ...g to sell, it has to be special, and the CMT-Z100iR definitely looks special.
The device won't just dock iPods, it also has auxiliary inputs, AM/FM radio, a CD player, and a USB port for expansio...
Rare GTA: Chinatown Wars trailer hardly shows any gameplay
in House of Nintendo, on March 6, 2009
...reenshots ) is this video:
And when I say substantial, I mean that in a relative sense. There aren't many gameplay videos of GTA: Chinatown Wars circulated over the interwebs today and so fa... ...y videos of GTA: Chinatown Wars circulated over the interwebs today and so far, the clip you've just seen is one of the longer ones.
As luck would have it, the video hardly shows any gameplay eit...
Counterpoint: Employers snoop away!
in The CIO Weblog, on March 4, 2009
...rs prepping them to ace interviews, a process which consists largely of appearing to be someone you aren't, ie "the ideal candidate." The hiring process is a game, but it is one that is ... ...mpanies have little choice but to make use of it. Moreover, Levinson forgets that the job market is just that: a market, and that markets flourish in the availability of information. There may well be...
Thanks to Google Android Store, Apple App Store Doesn't Seem So Bad
in The Gadgets Weblog, on February 27, 2009
...tes soar, this battle will become huge. I would like to think that the user will win, but the users aren't the ones with deep pockets and an army of lawyers.
via CrunchGear ...
Further failures cast cloud into question
in The CIO Weblog, on February 24, 2009
...e and performance for your money. If you are paying any money in the first place. Which most of you aren't.
So of greater concern to me this morning is the demise of PaaS provider Coghead , whic...
Cuba Launches Nova Linux
in HackITLinux, on February 16, 2009
...ome increasingly popular in South America, Africa and Eastern Europe, where companies and citizens aren't able to afford all of the latest Microsoft software," writes DailyTech's Michael...
What's In Your Orbit?
in Cool Picking, on February 13, 2009
...djust the volume through your player. Now everyone can hear or when you're in an area where you aren't disturbing anyone, you can enjoy your music without having headphones on. I have taken th... ...ery easy to set up. Simply connect its cord to where your headphones would go, hit the button and adjust the volume through your player. Now everyone can hear or when you're in an area where you a...
Dashboard Madness
in The CIO Weblog, on February 11, 2009
...on.
This theme ties in somewhat with my recent yammerings on the dangers of complexity. Dashboards aren't naturally complex, and the idea behind them is sound and worth pursuing. Krigsman's c... ...ent the wrong data or the right data in the wrong format. While this can be an issue, I think it is just as common that users fail to identify this information properly themselves, or become too distr...
