Sunday, October 21, 2012

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Saturday, October 20, 2012

Is Twitter Starving Pheed? New Social Network Says Its Twitter Connect Got Cut Off

Screen Shot 2012-10-20 at 00.45.21Pheed -- the celeb-fuelled social networking site that has gone a bit viral in the last few days -- may be going on a diet.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/SOoeeANzZM0/

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Early look at Windows 8 baffles consumers

FILE - In this Thursday, Aug. 23, 2012, file photo, the new Microsoft logo is seen above the entrance to a company store in Seattle. Microsoft Corp.'s net income fell 22 percent in the latest quarter as it deferred revenue from the sale of its upcoming Windows 8 operating system to PC makers, and as PC sales in general took a dive. The software company's net income was $4.47 billion, or 53 cents per share. That was down from $5.7 billion, or 68 cents per share, a year ago, and exceeded analyst estimates, which had been in the 50-52 cent range. (AP Photo/Elaine Thompson, File)

FILE - In this Thursday, Aug. 23, 2012, file photo, the new Microsoft logo is seen above the entrance to a company store in Seattle. Microsoft Corp.'s net income fell 22 percent in the latest quarter as it deferred revenue from the sale of its upcoming Windows 8 operating system to PC makers, and as PC sales in general took a dive. The software company's net income was $4.47 billion, or 53 cents per share. That was down from $5.7 billion, or 68 cents per share, a year ago, and exceeded analyst estimates, which had been in the 50-52 cent range. (AP Photo/Elaine Thompson, File)

(AP) ? The release of Microsoft's Windows 8 operating system is a week away, and consumers are in for a shock. Windows, used in one form or another for a generation, is getting a completely different look that will force users to learn new ways to get things done.

Microsoft is making a radical break with the past to stay relevant in a world where smartphones and tablets have eroded the three-decade dominance of the personal computer. Windows 8 is supposed to tie together Microsoft's PC, tablet and phone software with one look. But judging by the reactions of some people who have tried the PC version, it's a move that risks confusing and alienating customers.

Tony Roos, an American missionary in Paris, installed a free preview version of Windows 8 on his aging laptop to see if Microsoft's new operating system would make the PC faster and more responsive. It didn't, he said, and he quickly learned that working with the new software requires tossing out a lot of what he knows about Windows.

"It was very difficult to get used to," he said. "I have an 8-year-old and a 10-year-old, and they never got used to it. They were like, 'We're just going to use Mom's computer.'"

Windows 8 is the biggest revision of Microsoft Corp.'s operating system since it introduced Windows 95 amid great fanfare 17 years ago. Ultimately, Windows grew into a $14 billion a year business and helped make former Chief Executive Bill Gates the richest man in the world for a time. Now, due to smartphones and tablets, the personal computer industry is slumping. Computer companies are desperate for something that will get sales growing again. PC sales are expected to shrink this year for the first time since 2001, according to IHS iSuppli, a market research firm.

The question is whether the new version, which can be run on tablets and smartphones, along with the traditional PC, can satisfy the needs of both types of users.

"I am very worried that Microsoft may be about to shoot itself in the foot spectacularly," said. Michael Mace, the CEO of Silicon Valley software startup Cera Technology and a former Apple employee. Windows 8 is so different, he said, that many Windows users who aren't technophiles will feel lost, he said.

Microsoft is releasing Windows 8 on Oct. 26, and it doesn't plan to cushion the impact. Computer companies will make Windows 8 standard on practically all PCs that are sold to consumers.

Speaking to Wall Street analysts on Thursday, Microsoft's chief financial officer Peter Klein said he isn't very concerned that user confusion could slow the adoption of Windows 8. When Microsoft introduces new features, he said, people eventually realize that "those innovations have delivered way more value, way more productivity and way better usability." That's going to be true of Windows 8 too, he said.

Instead of the familiar Start menu and icons, Windows 8 displays applications as a colorful array of tiles, which can feature updated information from the applications. For instance, the "Photos" tile shows an image from the user's collection, and the "People" tile shows images from the user's social-media contacts. (Microsoft is licensed to use AP content in the Windows 8 news applications.)

The tiles are big and easy to hit with a finger ? convenient for a touch screen. Applications fill the whole screen by default ? convenient for a tablet screen, which is usually smaller than a PC's. The little buttons that surround Windows 7 applications, for functions like controlling the speaker volume, are hidden, giving a clean, uncluttered view. When you need those little buttons, you can bring them out, but users have to figure out on their own how to do it.

"In the quest for simplicity, they sacrificed obviousness," said Sebastiaan de With, an interface designer and the chief creative officer at app developer DoubleTwist in San Francisco.

Technology blogger Chris Pirillo posted a YouTube video of his father using a preview version of Windows 8 for the first time. As the elder Pirillo tours the operating system with no help from his son, he blunders into the old "Desktop" environment and can't figure out how to get back to the Start tiles. (Hint: Move the mouse cursor into the top right corner of the screen, then swipe down to the "Start" button that appears, and click it. On a touch screen, swipe a finger in from the right edge of the screen to reveal the Start button.) The four-minute video has been viewed more than 1.1 million times since it was posted in March.

"There are many things that are hidden," said Raluca Budiu, a user experience specialist with Nielsen Norman Group. "Once users discover them, they have to remember where they are. People will have to work hard and use this system on a regular basis."

Mace, the software CEO, has used every version of Windows since version 2.0, which came out in 1987. Each one, he said, built upon the previous one. Users didn't need to toss out their old ways of doing things when new software came along. Windows 8 ditches that tradition of continuity, he said.

"Most Windows users don't view their PCs as being broken to begin with. If you tell them 'Oh, here's a new version of Windows, and you have to relearn everything to use it,' how many normal users are going to want to do that?" he asked.

The familiar Windows Desktop is still available through one of the tiles, and most programs will open up in that environment. But since the Start button is gone, users will have to flip back and forth between the desktop and the tile screen.

There's additional potential for confusion because there's one version of Windows 8, called "Windows RT," that looks like the PC version but doesn't run regular Windows programs. It's intended for tablets and lightweight tablet-laptop hybrids.

Budiu believes the transition to Windows 8 will be most difficult for PC users, because Microsoft's design choices favor touch screens rather than mice and keyboards. Alex Wukovich, a Londoner who tried Windows 8 on a friend's laptop, agrees.

"On a desktop, it just felt really weird," he said. "It feels like it's a tablet operating system that Microsoft managed to twist and shoehorn onto a desktop."

Not everyone who has tried Windows 8 agrees with the critics.

Sheldon Skaggs, a Web developer in Charlotte, N.C., thought he was going to hate Windows 8, but he needed to do something to speed up his 5-year-old laptop. So he installed the new software.

"After a bit of a learning curve and playing around with it a bit more, you get used to it, surprisingly," he said.

The computer now boots up faster than it did with Windows Vista, he said.

Vista was Microsoft's most recent operating-system flop. It was seen as so clunky and buggy when released in 2007 that many PC users sat out the upgrade cycle and waited for Windows 7, which arrived two and a half years later. Companies and other institutions wait much longer than consumers to upgrade their software, and many will keep paying for Windows 7. Many companies are still using Windows XP, released in 2001.

Colin Gillis, an analyst at BGC Financial, is optimistic about Windows 8, pointing out that it's snappy and runs well on PCs with limited processing power, making it suited for compact, tablet-style machines. But he also notes that through Microsoft's history, roughly every other operating-system release has been a letdown.

Intel Corp. makes the processors that go into 80 percent of PCs, and has a strong interest in the success of Windows. CEO Paul Otellini said Tuesday that when the company has let consumers try Windows 8 on expensive "ultrabook" laptops with touch screens, "the feedback is universally positive." But he told analysts that he doesn't really know if people will embrace Windows 8 for mainstream PCs.

"We'll know a lot more about this 90 days from now," he said.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-10-19-US-TEC-Microsoft-Windows-8-Users/id-6d977586fe894049bb2cf801c2d8d18a

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Source: http://www.womenfavor.com/health-and-fitness/nutrition/your-provender-and-sustentation-are-you-an-emotional-trencher-man.html

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Friday, October 19, 2012

Europe advances towards single banking supervisor

BRUSSELS (Reuters) - European Union leaders took a big stride towards establishing a single banking supervisor for the euro zone, striking a deal under which the bloc's rescue fund could start recapitalising ailing banks next year, a French government source said.

The source told reporters at an EU summit that all 6,000 banks in the single currency area would come under European Central Bank supervision by 2014, but most day-to-day oversight would be delegated to national bodies.

Creating an effective banking union, for which this deal is just a first step, is regarded by the International Monetary Fund and market economists as a key step to overcome the euro zone's three-year-old debt crisis.

The French source said the agreement meant the European Stability Mechanism (ESM) could start injecting capital into troubled banks as early as the first quarter of 2013, but a German source said it was "very unlikely" to happen so soon.

The German government source said the ECB would be responsible for supervising systemically important banks and could oversee others if necessary, emphasizing that direct recapitalization of banks by the ESM could only happen once cross-border banking supervision was firmly in place.

The point when the ECB will effectively become the bloc's banking supervisor is important because it would open the way for the euro zone's bailout fund to inject capital directly into troubled banks, without adding to their host governments' debts.

EU Economic and Monetary Affairs Commissioner Olli Rehn said this was vital "to break the vicious circle between sovereigns and banks".

The legal framework would be completed by the end of this year so the ECB could begin working to implement supervision arrangements from January 1, 2013, starting with banks receiving state aid, the French source told a midnight briefing.

"The entire banking supervision mechanism -- that means the effective supervision of 6,000 banks -- will become reality on January 1, 2014," he said.

The agreement, still to be officially confirmed, appeared to be a defeat for German Finance Minister Wolfgang Schaeuble's efforts to limit the scope of European banking supervision.

The deal came after the leaders of France and Germany, Europe's central powers, held a private meeting after clashing in public over greater EU control of national budgets.

Germany has been reluctant to see its politically sensitive savings and cooperative banks come under outside supervision. It rejects any joint deposit guarantee under which richer countries might have to underwrite banks in poorer states.

German Chancellor Angela Merkel earlier demanded stronger authority for the executive European Commission to veto national budgets that breach EU rules, but French President Francois Hollande said the issue was not on the summit agenda and the priority was to get moving on a European banking union.

For once, the summit was not under intense pressure from financial markets, which have calmed since the ECB pledged last month to intervene decisively if needed to buy bonds of troubled euro zone states to preserve the euro.

"FISCAL CAPACITY"

Addressing parliament in Berlin earlier in the day, Merkel skirted the issue of a possible credit line for Spain, which EU officials expect Madrid to request within weeks, but reiterated her desire to keep Greece in the currency area despite chronic debt problems.

In Athens, police clashed with protesters hurling stones and petrol bombs during a general strike that brought much of the near-bankrupt country to a standstill.

"We have made good progress on strengthening fiscal discipline with the fiscal pact but we are of the opinion, and I speak for the whole German government on this, that we could go a step further by giving Europe real rights of intervention in national budgets," Merkel told the Bundestag lower house.

A proposal by Schaeuble to create a super-empowered European currency commissioner was a possible way forward, she said, and more European control called for a stronger European Parliament.

Merkel also advocated the creation of a European fund to invest in specific projects in member states which she said could be fuelled by a financial transaction tax which 11 euro zone countries have said they will adopt.

Her call echoed a proposal for the 17-member euro zone to have its own budget -- known in EU jargon as a "fiscal capacity" -- on top of the 27-nation union's common budget, which mostly funds agriculture and aid to poorer regions.

Several states, including the Netherlands, Finland and Austria, were uneasy at the idea but none rejected it outright.

Decisions on institutional reforms are not expected until a December summit.

Since the ECB said last month it was ready to buy the bonds of struggling euro zone states in unlimited amounts, state borrowing costs have fallen sharply, easing the immediate pressure for Spain to seek a bailout.

Spain's 10-year bond yields sank to their lowest since February at an auction on Thursday, helped by Moody's decision this week to leave its credit rating at investment grade.

But rather than signaling that Madrid does not need help, Moody's verdict was predicated on Spain soon applying for a euro zone assistance program to trigger ECB intervention.

Italy raised a bumper 18 billion euros from a four-year inflation-linked retail bond -- the most ever raised in a single debt offering in European markets -- reducing its need to issue debt before the end of this year.

The leaders agreed at their last summit in June to create a single banking supervisor under the ECB, but tricky legal issues remain and Germany and its north European allies had appeared to be backtracking on elements of the June decision.

The deeper the discussion on banking union goes, the more complex and problematic it will get.

Countries outside the euro zone -- particularly Britain, which has Europe's biggest banking sector -- are concerned their banks could be disadvantaged if a balance is not maintained between the ECB and its oversight of euro zone banks and the powers of other authorities to oversee non-euro zone banks.

And if non-euro zone countries such as Poland join the banking union, as policymakers are hoping, it is unclear what representation they would have within the ECB, since the central bank is currently answerable only to euro zone member states.

(Additional reporting by Stephen Brown and Madeline Chambers in Berlin, Jan Strupczewski and Luke Baker in Brussels, Harry Papachristou and Lefteris Papadimas in Athens and Gilbert Krijger in Amsterdam. Writing by Paul Taylor, editing by Mike Peacock)

Source: http://news.yahoo.com/merkel-seeks-more-eu-budget-control-french-cool-112014943--business.html

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Great Tips You Should Consider If You're Going To Buy Real Estate ...

A lot of people think they know what they are doing in real estate, but what do they actually know? Many of these so-called experts are the very people that are responsible for the market crash. If you are planning on buying real estate, be sure to read this advice.

During your search for an agent that might assist in you buying a home, inquire as to just how many years they have been in the community. If they have only been around for a short while, they are not going to know as much about the roads, community restrictions and neighborhoods as someone else. Agents who have lived in the locale for ten years or more will be able to provide you with information that is of particular importance to where you?re planning to buy.

Plan ahead of time which questions you are going to ask your real estate agent. Ask them not only the number of homes they have sold in the past year, but also, how many were the type of home you are looking to buy. A good agent will be able to answer all your questions.

TIP! Hire professional inspectors to inspect the house that you are planning to buy. Home inspectors are trained professional who will thoroughly inspect every aspect of the property you are wanting to purchase.

You should think about utilizing the services of a real estate lawyer when you are working with foreclosure properties. Because problems can occur during pre-foreclosure or foreclosure deals, a legal representative is a good person to have on your side. It is possible that you are going to avoid a lot of headaches and money down the line.

If your job security is at any level of risk, then you need to think twice before buying a home. As soon as you have signed the mortgage papers, you are guaranteeing to keep up with your monthly payments, regardless of any changes in circumstances. In case of an interruption in your job, you will need to have a few moths of payments saved up.

Look for parking areas near the home you are considering buying. If the home has no driveway, good street parking is essential. If you don?t have enough parking you will end up walking good distances.

TIP! Before you put an offer on a home, measure it yourself. This is important because you cannot compare public records with the actual square footage unless you measure.

Canvas neighborhoods you like, getting to know the variety of home types in the area. This helps make sure you do not buy the largest, nicest home in the area. It will be hard to sell a larger home, because the property value will go down due to homes in the area that are smaller.

When considering a home, do not forget to research the entire neighborhood the home is in. If the neighborhood does not fit your living needs, you will be greatly disappointed with your home in the long run. You need to know the neighborhood you are moving in so you know what you are getting yourself into.

Real Estate

TIP! Some banks do not require you to do a house inspection, but this is not a reason to skip it. You should hire a home inspection pro so that you will know exactly what sort of condition your potential home is in and what sort of problems you can expect.

Before you buy any real estate, make sure you do your research. Lots of people try to participate in the real estate market too fast. They end up making terrible purchases, and lose a large amount of money. Check into factors that impact value like its age, crime in the neighborhood, and even the neighbors.

Get an agent or a broker to help you if you want to invest in property. They have resources that you don?t have at your disposal. Many brokers will use special software to sort through MLS and other listing services. You could do an MLS search on your own; however, using these tools will enhance your search and help you avoid missed opportunities.

Ascertain that any real estate appraiser that you hire has a a minimum of five years experience. Avoid hiring appraisers that are recommended by the real estate agency. There may be something behind that. The appraiser that you hire must be state-certified or state-licensed.

TIP! Purchase a warranty for your home. Anytime you purchase a new or older home, ask the builder or previous owner for a warranty.

Rental Property

Do your homework before buying a property. When you are looking to purchase a piece of rental property, you must be aware of several key factors. The first one being sustainability. Is the property currently in a solid, clean, manageable state and will it continue to be without a lot of maintenance? The second feature is the property?s location. If you wish to attract and maintain new tenants, make sure that the location of your investment is ideal. You want to have a rental property located near centers of activity, such as popular retailers, restaurants and other service providers for your future tenants. You should consider the income in the area in which you are buying. This is very important due to the fact that a higher rental amount can be charged for an area of higher income. Residents in high rent areas may not be as concerned about the precise location as residents in communities that demand a lower rent.

You must have the minimum amount required by your mortgage company. If you do not, you may be stuck paying more through PMI, or Private Mortgage Insurance. This can cost a lot more than you?d need to pay than if you went for a conventional mortgage.

TIP! Prior to beginning your house search, you should secure a pre-qualification document from a lender. You don?t want to end up coming across the house of your dreams to be told that you can?t get a large enough loan to buy it.

When considering the purchase of a new home, it?s very important that you look at the long-term and not just the short-term. For instance, ask yourself if you want to have children. If you do, look for a home located in a good school district.

Look for homes that carry pre-foreclosure notices. If you can wait to make a purchase, many pre-foreclosure properties offer an excellent investment opportunity. Properties classified as pre-foreclosures are simply homes that are delinquent and at risk of going through the foreclosure process in the near future. You can find a list of the potential pre-foreclosures from a lender, or you may create an ad that you will buy any homes for cash. However you find owners of pre-foreclosures, find out what the owner owes, and make an offer that is a couple thousand dollars above that amount. You could find some excellent home bargains, since many people owe less on their loan than the home?s market value.

Take all the ?expert advice? you read online with a grain of salt. If they were so informed, how come the market collapsed? Avoid people who act like they know everything. Make sure you stick with what you?ve learned from tips like that in this article and apply it as much as

TIP! Request a checklist from your Realtor to put yourself in the best position before buying. Get a home buyers checklist from your real estate agent to keep track of all the tasks you need to complete when purchasing a home.

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Source: http://www.maynaseric.com/great-tips-you-should-consider-if-youre-going-to-buy-real-estate-2

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