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Showing posts from April, 2018

My Plan to Save the Universe

About a year ago, Treasury Secretary Geitner had the nerve to come out and say that he wants to set up a fund that would "encourage" private entities (hedge funds) to buy some of the toxic assets we hear so much about that are infecting banks' balance sheets. Most of these toxic assets are junk bonds backed by mortgages, pieces of mortgages, and insurance on the junk bonds which are backed by pieces of mortgages, and even insurance on the insurance on the bonds that are backed by pieces of the pieces of the worst tranches of sub prime mortgages. There are even more complicated securities floating around on bank balance sheets, but for now we will lump all these securities into a category called derivatives. If there were no defaults, these derivatives would be generating returns in the high teens...perhaps higher. It's hard to tell because the derivatives market that these securities are traded in are opaque. They should have never been allowed to exist in the firs...

Product Managers Learn How To Make YouTube Work For Their Product

Who hasn't heard of YouTube by now? It's that Google owned web site where anyone can upload videos that they've made to share with the world. Every once in a while a video will "go viral" and literally millions of people will take time out of their day to visit the YouTube web site and spend a few minutes watching the video. Sure sounds like something that a Product Manager would like to make happen for your product... The Problem With YouTube As product managers we all realized the power of YouTube - our potential customers along with a lot of the rest of the world seem to be spending a lot of time there. The big challenge is that although we'd like to capture their attention, we often find that we don't have what it takes to make our product a star on YouTube. YouTube is all about videos, right? Do you have a less than 15-minute video that shows off your product in a favorable light? Perhaps an even better question is do you have a video for your ...

Home Equity Loan Slump Affecting Advertising

When the waters are calm, an open raft can keep anyone happily floating along. But when a storm rolls in and seas get choppy, that same raft quickly becomes flimsy and inadequate, and drowning is a real danger. In the mortgage industry, as the skies blacken and the swells rise, financial firms are reassuring consumers that they're sturdy enough to weather the storm. Good epoch and bad epoch As with any industry, the mortgage sector has had its ups and downs. Consider what happened to the Internet sector in the minute-1990s? Investors became overly excited about dotcoms, and cattle prices went up and up, seemingly lacking bound. But that time of lump proved to be unsustainable, just as it did in the mortgage industry. Now, among a landscape of bankrupt lenders and scared investors, all industry players are struggling to right the craft. A new note of vigor and stability The volatility in the industry has usual its light allocate of hearsay coverage. While the helix of 2007,...

Social Networking User Statistics Like YouTube, Facebook & Twitter

As of February 2009, the online rankings and rating system Complete.com ranked January numbers for 25 different social networking sites and this time Facebook beat out MySpace for the number one spot with the new contender Twitter coming in at the number three position. This could quite possibly be the very first assessment seen in the United States that places Facebook in front of MySpace. News Corp. is the owner of MySpace which only received 58 million visitors in January where Facebook received 68 million visitors with Facebook having 1.1 billion pages viewed and MySpace having only 810 million unique pages viewed. Back in April of 2008 Facebook and MySpace were tied for the number one spot but it didn't last long as MySpace regained its number one spot once again. According to complete.com these numbers are completely from Web browser statistics in the United States only. This means it does not include any global statistics where most of Facebook's users are located...

Finding The Right Lending Help - SBA Loan Alternatives

Companies whether they are start-ups or established and looking for expansion require loans for their plans to fructify. Monthly repayments of principal and interest to the bank or lender need to be done. Before taking a business loan, the lenders will expect to see commitment from the company's end and also would like to check the repayment capability of the company. Most of the lending companies do not help many small business start-ups. Every loan application gets listed on the credit record of the person. If the application is rejected by one lender then it goes on record and the person may find it difficult to get approval from other lenders. There are some key areas of evaluation used by lenders. These include verification of credit and outstanding accounts of the company, Cash flow - audit results and future projection, Collateral for seizing if the loan is not repaid, Management's experience, and capital and equity. Several steps can be taken to ensure that one get...

Debt Relief Without Filing Bankruptcy

Seems like in this day and age we have all been there, over extended financially. Credit cards get thousands of people in trouble every year leaving a huge need for Debit Relief of some sort. Many will turn to a Debt Consolidation Loans while others take the even more extreme method of filing for Bankruptcy. Both of these methods have their own issues of long term penalties. We all utilize credit cards to get by when we are short on cash. Some of us more than others for buying domestic products along with things like clothing and the latest electronic gadget. Overspending on items that we truly do not need, we as a society have grown to be dependent on using credit cards to purchase stuff we really don't need. When you are practicing this daily, weekly or every month, it is very hard to stop. Then before you know it you are looking for Debt Relief in some fashion. When you can't make the minimum payments on your credit card balances your first thought is going to be Debt C...

Untangling the Line of Online Marketing

Free Marketing? Who ever heard of such a thing... Online Marketing is probably one of the BEST ways to gain exposure and grow your name recognition with no cost. So, are we maximizing the marketing opportunities the internet has to offer? Online marketing, while it has the potential to reach millions around the globe, it all starts with your relationships. Let's talk about the sites we all can use for free and what they can do for our business: Facebook Twitter YouTube Blog Sites Linked In These are just the top 5! Now let's talk about what each one is and what it can do for our business and why we should use them. We'll also break it down into a step by step process... Step 1: Create a blog! There are several sites that allow you to create your own blog for free. Some of the most popular sites include WordPress.com, typepad.com, & blogger.com, all of which allow you to blog for free! Creating a blog allows you to share messages with everyone you kn...

Loans and "Weird" Awards for High School Seniors

You might have received a grant or scholarship from one or two organizations, but these might not be sufficient for paying your fees or living expenses. Or, you may not have won any awards despite all the efforts. At this point, you must not be desperate, because funding your studies is not restricted to scholarships only. It is possible to find money to fund your studies also through loans, either private or public. Having seen the increasing demand for loans, both private and public institutions have improved conditions for students to get loans. The Federal Application for Student Allowance (FAFSA) is the "federal" way to get a student loan. If you will look for private loans, on the other hand, special emphasis is to be paid for the interest rates and fees that need to be paid in the process. You should get a close look at the conditions set out for repayment so that you do not face grave difficulties after you have made use of your loan. You should also consider not get...

Notice of Sale - What Does This Mean If Your Bank Sends This to You?

The Notice of Sale (NOS) or Notice of Trustee Sale (NTS), just like the Notice of Default, is a legal document that is filed with the county recorder's office for the county of that homeowner. This document gives notice of the homeowner being in default on his loan and the pending forced sale of the home. Once this document is filed with the county, the bank now has the right to actually go and forcibly sell the homeowners home right out from underneath them. In some states this is done under the jurisdiction of a judge who reviews the paperwork and orders the sale. In other states it is done by the trustee designated in the Deed of Trust, and the sale is set up under their direction. In most cases, the sale date is set for as soon as 3 weeks after the filing of the NOS, while in others it may be several months. To get to the point where a Notice of Sale is being filed against a homeowner, first a Notice of Default (NOD) must have been filed with the county, and then a period ...

We’ll do it live—a new chapter in YouTube’s live stream

We’ve been offering live streaming on YouTube since 2011, before it was cool. Millions of people around the world tuned in to watch the Royal Wedding in 2011. One-sixth of the Internet watched Felix Baumgartner leap from space live on YouTube in 2012. And just this year, we became the first to ever broadcast a 360-degree live stream during Coachella. Over 21 million people tuned in to watch Coachella on YouTube this year—almost twice as many as tuned in to watch the season finale of American Idol. Today, we are announcing a new chapter in bringing the power of live video to creators everywhere. Soon, we’ll be putting the power of YouTube live streaming in the palm of your hands. YouTube mobile live streaming will be baked right into the core YouTube mobile app. You won’t need to open anything else, just hit the big red capture button right there in the corner, take or select a photo to use as a thumbnail, and you can broadcast live to your fans and chat in near real time. Becau...