Has the Real Estate Busted Bubble Finally Patched All Its Holes?

The New York Times declared last month that, after several years of erroneously sunny pronouncements, there are concrete signs “the housing market is starting to recover.” The Wall Street Journal ventured even further with a story and tweet declaring "the housing bust is over."  Have the banks finally dredged through the glut of, seemingly endless, foreclosures?  Underwater homes are holding the market back. With some 6 million homeowners delinquent on their mortgages, the shadow inventory of distressed properties continues to be an anchor on the housing market. In everyday language, the housing market still has one foot in the darkened trees and one foot in the sun-drenched clearing, some analysts say. Are rates at the low and about to climb? Rates on the 30-year loan have been below 4 percent since early December. The low rates are a key reason the housing industry is showing modest signs of a recovery this year. A drop in rates could also provide some help to the economy if more refinance. When people refinance at lower rates, they pay less interest on their loans and have more money to spend. 

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These are all questions we ask ourselves as we look to buy, sell or refinance a property.  Nobody likes making a decision to purchase and a week later come to find the same product is cheaper the day, week or month after we bought it.  At least a home isn’t technology and won’t be obsolete and outdated the moment after you buy it. Now it’s time to go into decision mode on a home,  we all want to buy at the bottom or sell at the top with the lowest interest rate in history that nobody else has ever received or will ever receive again. We need to be realistic though, buying at the bottom and selling at the top need to be more relative than absolute. You will never find the extremes unless you are blessed enough to hit it by divine will, our genius is not enough. When making these decisions, land on a rate or dollar amount you will be pleased with and or that fits within your budget and regardless of any future changes you will surely have peace regarding your decision. 

Written by: Mike Cornelius  MLO # 913476 

Cell 714-889-8421   

Direct 949-870-4014      

Email: mcornelius@stearns.com

Source Link : Has the Real Estate Busted Bubble Finally Patched All Its ( Sharewell Newswire )

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Keynotes of Seamus Blackley and Warren Mills (Google) Announced For the Tenth Anniversary Edinburgh Interactive

London, United Kingdom (Sharewellnewswire.com) July 20, 2012 - Edinburgh Interactive announces keynote speakers for this year's 10th anniversary event!

Seamus Blackley's keynote "The Future of Fun" promises an informative and insightful discourse regarding the future we are launched into by the present we fail to understand, and the past we failed to get right.

The man behind Xbox will be amongst the headline acts at this year’s Edinburgh Interactive Festival.  Seamus Blackley will give a talk on ‘the future of fun’ at this year’s event, which will be his only European appearance this year.  As well as setting the proposal for Xbox, Blackey has also worked with Bill Gates and Steven Spielberg, designed and programmed video games, worked as the head of the Creative Artists Agency’s video game division and is currently president and founder of mobile and digital studio Innovative Leisure. 

 Click here view the video

 Joining Blackey on the bill is Google’s UK industry leader Warren Mills. His talk will discuss how users are interacting with their platforms across search, YouTube and mobile from pre-launch of a game to the arrival of DLC.  Mills joined Google from Bauer Media in October last year and works alongside games publishers and movie studio’s to develop advertising initiatives across Google’s network of mobile, social, YouTube and search options.

About Seamus Blackley:

Seamus Blackley has collaborated with Bill Gates and creatively with Steven Spielberg.  He worked on the experimental and theoretical physics team that discovered the Top Quark at Fermilab, and wrote the proposal for, assembled behind the team, and was the face of Xbox and the Xbox division of Microsoft.  He has designed, programmed, produced and written music for videogames, and has, as the founding head ofvideogames division of CAA, closed many hundreds of millions of dollars in console, PC, mobile and cloud based videogame deals, representing nearly every famous working game developer on Earth.  He is currently president and founder of Innovative Leisure, Inc.

For all questions relating to Media Contact for Seamus Blackley, Please contact

Iris Palacio:  Head of Public Relations 

irispalacio@gmail.com /  (Direct) 818 203 9510 (LA, California)

About Warren Mills :

Warren joined Google in October last year and is responsible for working with games publishers and movie studio's to develop integrated advertising solutions across search, YouTube, the Google display network, mobile and social. Previously Warren worked at Bauer Media as the head of games and entertainment working with brands such as FHM, Kerrang, Kiss and 4Music. At Bauer he was responsible for cross platform solutions across their range of print titles, radio stations, TV channels and digital properties.

Don't miss the Edinburgh Interactive 10th anniversary!  Get your tickets for £229 (+ VAT) booked via the website, click on book tickets. Reduced rates available for Scottish Developers; please see website for details.                                        

For all enquiries, please contact Alexa Turness, Edinburgh Interactive Event Director on +44 (0) 207 534 0580 or by email, alexa@edinburghinteractive.co.uk

About Edinburgh Interactive :  

In the energy charged setting of the Edinburgh Festival and Fringe, EIF will continue with its 10th year with a successful eclectic mix of presentations and debates relating to emerging trends and future gazing at the world of interactive media and entertainment. Edinburgh Interactive exists to explore and celebrate the social, creative and cultural building blocks of the interactive entertainment and media sectors.  Edinburgh Interactive does this with both a conference and a series of public events focusing on the skills and creativity of those working in the industry and the strong tradition of Scottish innovation. The event has consistently kept its agenda ahead of the game! www.edinburghinteractive.co.uk

Edinburgh Interactive Public day :    11th August:  Interested in video games? Want to know more about the video games industry or even how to make a game? Then the Edinburgh Interactive FREE public sessions are the place to be!  Come and experience a variety of FREE workshops available for children and adults.  Further workshop and session details can be found at www.edinburghinteractive.co.uk/public-program .  The register your FREE place, visit http://edinburghinteractivepublic.eventbrite.com/

Edinburgh Interactive Partners : Our partners include Nintendo, UKIE, MCV, Develop, Mobile Entertainment, Licensing.biz, Edinburgh City Council, Harbottle & Lewis, Edge, Scottish Daily Record and Scottishgames.net

Do you or your company fancy being added to the list; Edinburgh Interactive offers a variety of partnership opportunities, tailored to your requirements.  

If you would like to get involved with the event further, or just have a question, please don't hesitate to get in touch:

Alexa Turness 

Event Director - Edinburgh Interactive

Mobile:  +44 (0) 7990 522 004

Office:  +44 (0) 207 534 0580

Edinburgh Interactive
http://www.edinburghinteractive.co.uk/
alexa@edinburghinteractive.co.uk

Source : SharewellNewswire.com

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C. K. Cooper & Company Announces Analyst Suraj Kalia Joining Its Healthcare Research Department

Irvine, Calif. – July 18, 2012 – C. K. Cooper & Company, an independent, full-service investment bank, headquartered in Irvine, Calif., announced today that Suraj Kalia has joined the firm as a Managing Director in the Healthcare Research Department.

Over the past 9 years, Mr. Kalia has focused primarily on Medical Device issuers having developed a reputation as a thought leader in the identification of emerging technologies. Previously at Rodman and Renshaw, Mr. Kalia covered 22 issuers ranging in market capitalizations from $20 million to $10 billion. Prior to joining Rodman and Renshaw in 2007, Mr, Kalia provided research at Sanders Morris Harris, Piper Jaffray & Co. and Northland Securities.

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Commenting on the addition to the Healthcare Team at C. K. Cooper & Company, Bilal Basrai Director in the Corporate Finance Group – Healthcare commented, “Suraj’s broad range of experience and prior coverage of healthcare names fits well with our core investment thesis.  We expect him to bring immediate value to our clients through his insightful research.  We are pleased and excited to have Suraj as part of the team.”

Mr. Kalia added, “I look forward to being part of the team tasked with building out the healthcare franchise at C. K. Cooper”.

Mr. Kalia is a Chartered Financial Analyst. He has a Bachelor of Technology degree from Indian Institute of Technology, a Masters of Engineering from Stevens Institute of Technology and a MBA from the University of St. Thomas, in Minneapolis Minnesota.

About C. K. Cooper & Company

C. K. Cooper & Company is a full-service investment bank headquartered in Irvine, California. The Company is focused on providing superior and insightful research coverage to its clients; innovative investment banking solutions supported by sales and trading services; and portfolio advisory and management services for private clients. Though C. K. Cooper & Company has been noted for a variety of measures of accomplishment, we chart our success by only one metric: The growth of our clients. For more about C. K. Cooper & Company, visit www.ckcooper.com.

For more information, please contact:

C. K. Cooper & Company

18300 Von Karman Ave.,

Suite 700,

Irvine CA 92612

(949) 477-9300

administration@ckcooper.com                                  

The information contained herein is not a complete analysis of every material fact respecting any company, industry or security. Although opinions and estimates expressed herein reflect the current judgment of C. K. Cooper & Company, the information upon which such opinions and estimates are based is not necessarily updated on a regular basis; when it is, the date of the change in estimate will be noted. In addition, opinions and estimates are subject to change without notice. This report contains forward-looking statements, which involve risks and uncertainties. Actual results may differ significantly from the results described in the forward-looking statements. Factors that might cause such a difference include, but are not limited to, those discussed in "Investment Risks."

C. K. Cooper & Company from time to time perform corporate finance or other services for some companies described herein and may occasionally possess material, nonpublic information regarding such companies. This information is not used in the preparation of the opinions and estimates herein. While the information contained in this Report and the opinions contained herein are based on sources believed to be reliable, C. K. Cooper & Company has not independently verified the facts, assumptions and estimates contained in this Report. Accordingly, no representation or warranty, expressed or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information and opinions contained in this Report. C. K. Cooper & Company, its managing directors, its affiliates, and/or its employees may have an interest in the securities of the issue(s) described and may make purchases or sales while this report is in circulation.

administration@ckcooper.com

www.ckcooper.com

Source : SharewellNewswire.com

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Better Tymes Project and Better Tymes for Women Partner with Launcht.org to Develop iOS Versions of Better Tymes

Charlottesville VA, July 17, 2012.

Jackie and Yale Landsberg, the founders of The Better Tymes Project and Better Tymes for Women are partnering with Launcht.org to raise funds for the development of two IOS versions of Better Tymes' totally unique TrueTyme Android mobile app. And for the same reason that the Landsbergs have just launched a new Android version: Biological clocks can often harm us! Once this first Launcht project is completed, iPhone and iPad users, like Android ones, will be able to self-explore the chronobiologies of their own worlds, at a very basic level of sun time and moon time awareness.

Click here view the video

A recent study of the operation of our biological clocks showed that “Social Jet Lag” (social factor-based disrupted circadian rhythms) can cause obesity. Another study showed that a woman is at risk of becoming infertile if her body's clock is too out of touch with each new day's sunrise and sunset. Even more remarkable is evidence that factoring time of day and night into the administration of cancer drug treatments can often raise the effectiveness of drug use and also reduce side effects. But although billions of science research dollars are being spent on developing advanced “reductionist” drug and gene therapies, the question, “What can positively happen to us holistically when each of us, on our own, is more aware of the passage of sun time and moon time?” is only beginning to be asked.

That bio-time and timing question is long-overdue, because modern life, "mechanical" time, time zones and Daylight Saving Time each conspire to get in the way of our circadian body clocks being aware of natural time. Jackie and Yale strongly believe it is time for men and, even more so for women, to fight back against living our lives as if we are machines, not human beings. And they are not just hoping for a better times revolution. For example, as a woman's circadian rhythm affects her menstrual cycle -- AND her menstrual cycle also affects her circadian rhythm, their totally unique TrueTyme mobile clock app uses patented "sun both above and below the horizon" symbols (and "moon above and below" ones too) that tell a user's mind and brain where she, or he, is in two kinds of natural time. TrueTyme also now has color-coded MoodTyme with unique features for mood journaling, tracking, and analysis by sun time, moon time and time of month.

By using its natural time displays and its analysis of moods by sun and moon time and time of the month, Android users, and soon, iPhone (and hopefully iPad users too) can use TrueTyme to better connect to both nature and themselves. Jackie Landsberg says, “At the least, TrueTyme is a unique 'GPS system for minds and bodies' that is curiously comforting.” Her husband, Yale, hopes that one day, TrueTyme's 'whole picture of time' will also be added to many treatments for alll sorts of circadian rhythm-related problems, “especially those which affect baby-boomers and the elderly. Because as we age, we tend to less and less see dawn and dusk blue light adequately twice a day, due to the yellowing of the lenses of our eyes.”

“However, let's not forget all the younger people too!” Jackie adds. After which, she summarizes their mission this way: "All of us who most of each day are in-doors at home, work, school and play, rarely get to see each new day's sun rising and setting; let alone the passage of the moon each day and night.” Which is why the Landsbergs are hoping that young and older iPhone and iPad users, alike will be part of their unique Launcht.org crowd-funding project, and will tell all their friends and family, including their Android-using ones.

Jackie & Yale Landsberg

Launcht.org
Jackie@better-tymes.com

732-713-0902

Source : SharewellNewswire.com

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