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[0:03:24] ... personal trainer. -- maybe things you can buy and and in your home but there's a lot of things you can just do at home exercising. Without spending a lot of money but one of the things there's been a lot of research that I read recently. ...
[0:05:20] ... typically when we talk about that we're talking about equity. In our home either using a home equity loan or home equity line of credit and no we don't want to put her -- in danger we don't want to be in danger of foreclosure. We're not talking about increasing the debt or talking about potentially. Potentially shifting it to someplace where it's more effective. If you have a balance -- credit card. You if you look at the interest rate that's probably higher than what the industry would be against equity in your home. In the -- your format that won't could be tax deductible -- the department store credit -- store debt. Is not deductibles ...
[0:20:56] ... general guidelines after the 10% pretax dollars. How you would Libya take home pay into like you know -- payment city transportation. Here. Entertainment. Here you know. Others say means if you had me in ...
[0:22:31] ... look you if you if you trying to borrow to buy a home. They look at in common debt and they will care ratios of it and there's a certain percentage that they consider good -- certain pursue ranges that they were not considered good -- and even that is not an exact science and it's changed. What we saw in recent years was that it was arguably too easy quote on quote for people to get credit people got loans that maybe shouldn't have. And now we've seen the pendulum go the other way it's it's over corrected and now it's probably. ...
[0:28:07] ... like real state right now and again people sick or real state home values have plummeted 20% and I just -- heard a reporter wrote a story on the news that in San Francisco. And in Phoenix and in Las Vegas they're down over 30%. Yes exactly. Much there's a lot of real stayed all their rate now. Greatly undervalued so whether you're investing in any second home or vacation property you're just an investment property. I think it's a good time if it's the right property I think real ...
[0:35:11] ... Yeah are good morning Bruce -- We've got a home equity line of credit. And the interest rate we -- is. I think it's the prime plus one point 5%. Which is the ball four point 6%. And I looked at converting them over to a home equity loan. In the interest rate would be about 10%. Quite a big difference. It why would anybody do that. Thank you. ...
[0:36:10] ... certain period of time. And the interest rate is locked -- on home equity line of credit. The interest rates can very and the amount of the debt can vary because you could say give me a line of credit for 50000. But you don't have to borrow 50000 you might borrows -- you might borrow 5000 salt. The interest rate that applies applies to whatever the debt is against that line and the one of the debt you go up or down but they put a cap or maximum. On that -- Generally it is not a common that we see the home equity one main. The ought to lower interest rate but variable rate that can go copy of prime minister interest rates go ...
[0:37:27] ... borrow anymore money anyway I've taken all what I needed from my home improvement or whatever the reason for mile long one assault. There are reasons Steve white people would want to do that but based ...
Windows Weekly 88: Zune Takes A Holiday
I see dead Zunes, Windows 7 Beta, HP MediaSmart Servers, Windows Live Essentials, and more. Audible pick of the week: The Audacity of Hope: Thoughts on Reclaiming the American Dream, Abridged, By... hdfhghfdfghfgh
[0:22:36] ... them -- media anywhere saying BHP's updated its own windows home server and actually a lot of interest in the Macworld. IDF says it supports. It's more time capsule. And iTunes. Yeah. ...
[0:23:06] ... smart server is the basic product name and then these are windows home server based server shrink so. Probably but a year ago I got the first generation device. It's it's -- to gigabytes of storage to terabytes storage. In at this it's this is the small. Little server with that. Hot swap drive days Hollis it's a really neat machine you really like a -- you really like this -- you love it -- it again this is this server has from the center reminded. All networks and -- chair it does home server itself is Lebanese stuff all by itself you know each key bills on top of that and they add additional things. And one of the things and HP did last summer when that a Microsoft you know the first big. Windows home server update was they released a couple of out ons. And there was actually a little bit of a problem there because of first generation machines house. I just 512 megabytes of ram which is fine for windows home server until you start -- in those Adams. You know on the guidance. Earthlings can provide additional functionality for example a.'s Madden. ...
[0:25:39] ... And -- backing -- the home server and then it goes to S three and automatically in the in that workshop is growing threat to the I think ...
[0:27:53] ... Digital media -- streaming media you can stream are content off the home server. Out pastor firewalls -- Eurotunnel laptop you're connected to the Internet you want to listen to music that's on the homes ...
[0:28:32] ... know you oval here a little here a little here but the home server has everything in one location. Just like yeah -- a neat product it's a really really neat product so they were ...
[0:34:41] ... interesting knees raid five -- nation is are they do windows home server has its own data duplication that it is real data redundant. Yes. Yes even with the wonder what it's if you ...
[0:35:30] ... for guidance and some of them are getting really professional -- home automation type things. Song that's -- interesting to me I'm really looking to see if there's a big ecosystem. Of plug ins and if there is in this is clearly the way to go. The way the way they say this by the way is you know the critics of this type of -- say. You know that it's a niche product and so forth a Microsoft puts on this as well. But the PC was finished product in 1980 send home networking was I don't know -- and niche anymore and the united I -- I yeah I mean it has. Ingrained its ...
[0:36:31] ... attempt to get stuff off site -- this is this is huge improvement it really makes it easy to do. Do you use a media server stuff. On and off you know that HP does her own stuff over above what's in witness some servers are for civil -- have an iTunes aggregate there. And and that the windows home server can appears iTunes collection -- so if you're running iTunes in grocery connection -- the content that stuff I actually don't use. What they do use is its and -- And I'm trying to remember which. Where these features come from a HP has an add on exodus of watching media that basically. Allow them windows home server to look like a Windows Media Player PC. So all the content that's on there the movies the photos. The music. Can go to any compatible device like the X luxury sixty or any other windows PC in the house NASA works fantastically urging users to. Contempt you'd do you really tempting me -- But about try to get you spend money now well I spent anyway but but this sounds like a really good salute was great and PH is want to get and I would get a for the home I wouldn't get it for here we use in NASA's here is -- business environment. But for the home might well. So okay but if you're the only issue here though is if you have a lot of Mac types of ...
[0:40:23] ... would hope you know because I think the the biggest advantage to home server aside from the obvious stuff is that the is that you know it's expendable platform right. We'll see I ever -- ...
[0:53:47] ... bailout. But there's this lag time between that and it really hitting home and I think this is a year when it we're gonna see there's it's -- it's a trailing indicator this is the ...
[0:54:37] ... points where -- people -- you're getting zero interest loans are falling interest loans and we're gonna you gotta pay the price for that that's that's just gonna eventually come back yeah. ...
Newslink Plus: News and Perspectives from the Heart of Europe
Israel continues to blast Hamas positions in Gaza as a possible truce is discussed in Paris. Also, the Czech Republic is only a day away from the biggest political step in its post-war history. And, after six tumultuous months, the French presidency of the European Union is coming to an end.
[0:16:13] ... I thought perhaps the greatest enemy facing the government at home this indifference. People such as you -- her hands and throw money off. He spends much of that time poring over you ...
[0:23:57] ... to injury pointing out that he is Julio was not even at home. Well like the song says love hurts. You're listening to news link on torture Valerie -- ...
[0:29:48] ... about phone maker announced it was closing its German plan simple home. And moving production to Romania to cut costs. The outrage in Germany was palpable. That's Gemini has other worries including allegations of ...
[0:32:55] ... shareholder owned mortgage finance giants that underpinned trillions of dollars in home loans. This was followed by the collapse of Lehman Brothers another Wall Street's giants with trillions of dollars in contracts will white. Prompting ...
[0:35:41] ... Or so Zimbabwe -- living in the UK would love to go home. But not while Robert Mugabe a remains in power. ...
[0:36:28] ... ageless looking for many. The the ordinance as -- at home do you think that's easiest local vehicle Mazda put enough money -- to do my house in Zimbabwe. And Goldman say you ...
[0:37:14] ... Any improvement in the -- the -- we had -- when they -- The -- in the opposition partisans -- but -- monster -- ...
[0:38:47] ... Otherwise is a press and my thoughts are always about people at home my thoughts are always about the challenges deficit. But you also have to want to attend driven that we court here when we came -- that time was there is strong. And we were able to send fifty pounds and sustain primitive but today. The credit crisis is affecting Zimbabwe insular living in the UK which means they don't have enough money to send home also -- itself is falling in value which means that is very difficult to actually send money to people in Zimbabwe. So ...
[0:52:14] ... even supported that decision. If the case would be reexamined today -- home. Ultimately I'm troops whom commute to make you just my legal opinion is diploma ranked it would not be considered criminally responsible ...
NBR Program - Tuesday, December 30th | PBS
Top stories include Americans are feeling the pain of a crumbling economy. The US Treasury has doled out half of the 700 billion dollars in the TARP or the troubled asset relief program, but with the White House about to change hands.. the future is unclear for the rest of the cash. More cars and trucks could soon be rolling off General Motors lots, and from oil to everything in between, commodities prices soared to new highs this spring before falling back to Earth.
[0:00:33] ... the housing front wasn't any better. The S&P case Shiller index of home prices in twenty major US cities. Plunged 18% in October that was worse than forecast and continued the downward trend that began ...
[0:01:00] ... as one of the worst years ever for consumers. Began with declining home values which not to many Americans off balance. Sky high gasoline and food prices delta 12 punch in the spring and summer ...
[0:01:35] ... I think it's going to be a very slow. Improvement and I think in the very near term things are gonna get worse unfortunately before they get better that. ...
[0:03:21] ... report New York. Our guest tonight says delinquencies on mortgages and car loans will reach their highest levels ever in 2009. Joining us -- to talk more about that and other issues facing American consumers. ...
[0:05:25] ... % mortgage or interest only loan as easily. Traditional mortgages and auto loans are more readily available once assistant -- with them. Indeed those your two letters to answer this AZ they're power of the ...
[0:10:05] ... arts. And mount a large scale effort to clear out those toxic loans. ...
[0:10:17] ... about future losses the more likely to hoard capital rather than make loans and for the same reason private investors will be. Leery about investing in banks. ...
[0:13:05] ... came after the White House signed off on billions of dollars in loans to Chrysler and General Motors. Chrysler probably wanted to avoid a public relations nightmare Jeff you probably recall the backlash after AIG ...
[0:14:33] ... the volume GMA CG MAC's loan portfolio. Continues to decline. -- home offering up nicely rising dollar 57 all the homebuilders did well today after the close the -- it will -- to 500 billion dollars in mortgage backed securities in January to lower borrowing costs and bring home -- back to the marketplace. Are mountain climbing -- 66 cents -- provide secure records stored shall be added to the S&P ...
[0:23:45] ... least favorites vacation that the turning point for vacationing. At or near home the terms icon or iconic and game changer. They'll go had a -- I was gonna say that's the 411. -- on ...
Noon Business Hour 12-30-08 FULL SHOW
Join Sherman Kaplan and Regine Schlesinger as they discuss the economy and financial markets with some of the nations top experts.
[0:01:20] ... news about GMAC is -- and I'll talk offset lousy news about home prices. And consumer confidence Robert pavlik at oak tree asset management. ...
[0:02:42] ... Start the latest reports on consumer confidence and home values adding to the sense of world so. Let's take a closer look behind the numbers is we're joined by returning -- ...
[0:03:32] ... We are seeing of course that home prices nationwide are continuing to fall. Values of some truly low points but the maybe not the lowest. What can we look forward in the terms of home prices before begin to see a pickup in home sales. ...
[0:04:01] ... would note about the -- numbers about it but these declines in home prices. Is that -- knowledge lead based on full closures in all states been up front that California Nevada Arizona that's the ...
[0:07:42] ... up sufficiently amongst some people. That dale putting to why he goes home dot and not be scared have been booted job next month. ...
[0:07:56] ... and a been underway so far has been re size rather than home purchases. ...
[0:09:15] ... out on some of the worst carnage in this latest draft of home price data for the month of October. ...
[0:09:21] ... This key index the case Shiller index of home prices. In twenty cities across the nation. Fell by a record 18%. Compared to October of 2007 -- that's the total decline ...
[0:09:45] ... not a pretty steep drop its its probably welcome news first time home buyers have been sitting on the sidelines maybe thinking about buying a home. The for the rest of us a -- and prolonged decline in home prices. ...
[0:10:26] ... In the same regard I'm wondering about homeowners who are discouraged about home prices are simply pulled their homes off the market which that would not figure in in the price levels. ...
[0:12:25] ... Urging news about home prices a new survey finds prices down a record 18% in the last year they're down. Just about 11% in Chicago in ...
[0:14:31] ... from uncle -- and says it will be able to provide. More loans to more auto buyers struggling economy and the resulting holiday sales slump could spell the end for thousands of stories Hollywood a ...
[0:17:25] ... to be down in Q four and not likely to show much improvement -- ...
[0:28:24] ... premium movie screens lounge chairs find food wine. All the comforts of home is this a trend that's catching on and make him any money. ...