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Filed under: Audio, Software Update

Two pieces of Apple’s Logic Studio suite for Mac, Logic Pro and MainStage, have been updated today and the new versions are available immediately through Software Update or the links below.

The Logic Pro 9.1 update includes support for 64-bit native mode, compatibility with 64-bit Audio Unit plug-ins, and support for file names over 32 characters long. According to the update notes, samples are now mapped correctly when using the “Contiguous Zones” opetion in the EXS editor. The full release notes are available for viewing here.

MainStage 2.1 also includes 64-bit native mode and compatibility with the 64-bit Audio Unit plug-ins. Other fixes and improvements include better compatibility with MainStage 1.x documents, improved recording when using the Loopback plug-in, and multiple playback plug-ins in the same group now sync reliably. Full release notes are available here.

Enabling 64-bit native mode for both applications requires Mac OS X 10.6.2 or later.

[A tip of the studio professional hat to TUAW reader samw for letting us know about the update]

TUAWLogic Pro and MainStage updated, now 64-bit friendly originally appeared on The Unofficial Apple Weblog (TUAW) on Tue, 12 Jan 2010 17:15:00 EST. Please see our terms for use of feeds.

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Jonathan Swift argued in A Modest Proposal that children of the poor should be eaten. He went to a rhetorical extreme in order to illustrate the absurdity of a perspective he mocked and opposed.

In order to illustrate how absurd Facebook’s new privacy policies are, I want to imagine a fictitious but analogous situation: imagine Google announcing that our Gmail contacts and Google Reader subscriptions were to be made publicly visible to the web at large. If you don’t want the world to know who you are communicating with and what you are reading, maybe you shouldn’t be communicating with those people and reading that content. The tools you’ve used to communicate and read privately must stay current with the times, right?

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What Happened at Facebook

In the middle of December, Facebook began prompting users to re-evaluate their privacy settings on the site. If users had not changed any privacy settings in the past, then the privacy of status updates, photos, videos and shared was switched to a new default: no longer visible only to approved friends, that data was now by default publicly visible to everyone.

That default could be opted-out of, though, and users could return their activity update settings back to private, limited to friends only.

Other user-data was switched from private to public without recourse for users. User profile pictures, fan pages followed and lists of friends on the site are now made publicly visible and cannot be limited in their visibility. A fast backlash led the company to allow friends lists to be removed from public-facing profile pages, but anyone’s friends lists are still publicly available by programs that ask for it. Friends lists can no longer be made accessible only to trusted friends on the site.

Requiring that Fan pages be public is important because that’s how users express their interests and subscribe to updates from organizations they care about. RSS never caught on in a big way, but Facebook democratized online subscription to syndicated content. Now your interests and subscriptions are now naked as a jay bird before the world.

(As an aside, did you know that most people who are fans of the Facebook page ComedyTweet are also fans of the page PornstarTweet?)

Why did Facebook do this? Company founder Mark Zuckerberg said this weekend that this is the way the world is moving – towards being more public and less private. He said that the company recently considered what settings it would apply if the site were to be created anew today and “just went for it.” I explained yesterday why I don’t think that move has been backed up by a credible argument, why privacy is still important.

Last night I heard a story about a podcast for parents struggling to concieve a child. Some Facebook users have said they feel unable to subscribe to updates from the show as Fans on Facebook because they don’t want friends to know they are trying to concieve. Becoming a Fan but being discrete about it isn’t an option anymore. Stories like that are probably much more common than we might think.

Consider now what it would be like if this same changes were to be made to a different set of technologies many of us use.

Let’s Open Up GMail Contacts and Google Reader Subscriptions!

You may have signed up for GMail and Google Reader because you thought they would be effective, private and secure ways to communicate with people and subscribe to news of interest – but you were fooling yourself if you thought that information wasn’t going to be made public someday!

Don’t you know that privacy on the internet is an illusion? Do you know how little money Google is able to make from Gmail and Google Reader with your data left private? What do you mean you use Twitter to communicate with people publicly and Gmail to communicate with them privately? Have you seen how seldom people talk about Gmail on TV these days? What’s a web service to do?

It’s really a sign of the times. People are blogging more and more these days, you might even have a public blog on Google’s Blogger.com. That’s evidence right there that it’s time to make your subscriptions and contacts public, too.

Google Reader and Gmail are both much smaller than Facebook, half as many people use Gmail as use Facebook. Google Reader is much smaller still. Contacts and subscriptions on Facebook are public now – clearly society is moving in this direction.

If you don’t want people to know about who you are emailing and what you are reading, maybe you shouldn’t be emailing them and reading it.

Think this analogy is a stretch? Think that hundreds of millions of people don’t think of Facebook as a private way to communicate with the friends they’ve approved, just like you do with Gmail, and to read updates from organizations they are interested in, but don’t neccesarily want everyone to know about, like Google Reader? I don’t think it’s a stretch at all. I think these are similar tools for many people.

As we’ve said before, Facebook’s unilateral privacy policy changes have violated the contract they have with users. Just imagine how that would go over if it happened on other services we consider private.

We give Facebook a hard time, but we love the site, too. Come be a fan of ReadWriteWeb there. You won’t be able to hide that from anyone, but maybe it will distract people from your Comedy Tweets obsession.

Discuss

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Filed under: Detroit Auto Show, Coupe, Performance, Ford

Ford is wasting no time in releasing a variation of its 5.0-powered Mustang, starting with the California Special for 2011. The GT/CS was last introduced as a 2007 model and featured a unique appearance and wheel package available only on the premium GT coupe and convertible. Ford hasn’t officially released any details on the new GT/CS, but after inspecting the car in person on the show floor of the Detroit Auto Show, it looks like the 2011 model will have similar features.

Up front the GT/CS gets a larger and more aggressive spoiler painted in matte black as well as a horizontal bar grille featuring the pony logo on one side. The rear is enhanced by a new lower fascia with a GT500-style diffuser and a taller decklid spoiler. Finally, GT/CS graphics, a set of side scoops and a set of 10-spoke wheels round out the exterior enhancements. We’ll let you know as soon as we hear more details about the car from Ford, including pricing, but until then you can browse through the gallery of high-res photos below.

Photos by Drew Phillips / Copyright (C)2010 Weblogs, Inc.

Detroit 2010: California Special kicks off Mustang variants for 2011 originally appeared on Autoblog on Tue, 12 Jan 2010 16:29:00 EST. Please see our terms for use of feeds.

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I continue to be unconvinced by the arguments for walking away from a mortgage.  The arguments run in one of several directions:

Companies act like faceless automatons, so we should too.  This is not actually true.  Imagine a bank that actually did only what is specified in their contract with you, and not an inch more.  That would be a bank you’d like a lot less than any existing bank, and with good reason.  They are restrained by various norms, and competitive pressure.  This is not to say that they always behave well.  But they do not, in fact, simply live by the letter of the contract, and if you think they do, I invite you to read me the part in your contract where they have to provide a customer service person who speaks adequate English and doesn’t burst into violent profanity when you ask for a mortgage modification. 

Moreover, the way to punish them for behaving badly is either to regulate the bad behavior, or refuse to patronize banks that behave badly, not to simply walk away from your house loan.

Morgan Stanley walked away from its loans  Really?  Really you want me to be indignant about Morgan Stanley’s egregious maltreatment of . . . other financial professionals who saw this coming months ago?  Companies borrow money under different expectation than people do, which is why it’s hard for a lot of companies to borrow money, as you’ll find if you ever try to start your own business.  The question is B2C and C2B norms, not what businesses do to each other, for the same reasons that I am much more tolerant when stock brokers rip off each other than I am when they do it to their clients.  If anyone else had ripped off the greedy financial professionals, the same people angrily demanding that I condemn Morgan Stanley’s actions would probably be cheering.

Banks need to be taught a lesson for their stupid lending  It all sounds very emergent and spontaneous and Hayekian:  a nation of freelance bank regulators.  Every man his own bankruptcy judge!

All well and good, except that if you are walking away from a mortgage simply because the house is underwater, you have no authority to punish them.  After all, the reason it was stupid to lend money to you is not that they were lending money to someone who probably couldn’t pay it back; you can.  The reason that it was stupid to lend money to you is that you’re a deadbeat–a foolish deadbeat, who thought that house prices are a magic route to free money.  That’s not something they could reasonably have been expected to know.  Also, “banks need to be punished for being almost as stupid and greedy as I am” doesn’t have much of a ring to it. 

Moreover, those cheerleading such behavior seem to be under the misimpression that this will somehow be targeted at banks that made stupid loans.  But the people who are walking away simply because the price dropped are not going to distinguish between good, sound credit unions with a conservative loan book, and big, greedy pension funds and charity endowments that bought residential mortgage backed securities.  They’re going to walk away from anyone holding the loan on a house where the price has dropped by more than the downpayment–which in places like California and Florida, is probably any house purchased between 2004-2007, no matter how conservative the underwriting.

It would actually be a good thing if credit was tighter.  Okay, first of all, nothing would have stopped people from writing awful loans at the height of the bubble, because they didn’t think the loans were going to go bad like they did.  Nay, not even outfits like Countrywide, which, last time I looked, were usually required to take back loans that went bad too quickly, since they are presumed to have been fraudulently originated. (This is why so many subprime lenders are now out of business, and thus not around to be punished by the Andrew Cuomo wannabes busily walking away from their underwater mortgages).  Contrariwise, no amount of good faith by borrowers could now persuade anyone to offer credit on such easy terms . . . which is why the FHA, which is still willing to write low-downpayment loans, is now puffing up like one of those toads that can take a deep breath and instantly grow to three times its actual size.

While it is true that tighter credit would probably be a result of more people walking away from their mortgages, it would certainly not be the only result, nor would it simply mean better underwriting.  A high rate of discretionary default probably means more points and really huge downpayments to protect the banks.  Coming up with 25-50% of the purchase price of your house is fine for bankers buying Manhattan co-ops, but a tetch tricky for most normal people.  It probably also means higher interest rates.  Naturally, this means lower house prices, which means that we can prepare for a rather extended vicious cycle. 

Except that banks would probably flood DC and state capitols with lobbyists trying to change the rules.  There hasn’t really been much value, up until now, in changing the recourse rules–I mean, banks probably prefer one to the other, but it’s not their top priority, because people almost never default on their house unless things are so dire that there’s no hope of recovering much anyway.  If that changes, tougher rules become a top priority–and eventually, they’ll probably get them, if the alternative is tougher underwriting, higher interest rates, and bigger downpayments.

A system that relies on norms against default actually allows us to be very legally and contractually easy on those in need, because most (not all, but most) of the people that we let off will be those in deepest hardship.  We’d be swapping that for a system which punishes them harder in order to deter excessive default rates.

What people want, I think, is simple:  to take money from banks and give it to people they like better, ones they consider more deserving.  But while that would be the immediate effect, there’s no particular reason to think that the banks would suffer most.  As long as you can’t make them lend money, they have the power to share their pain with customers, and as usual, the most vulnerable customers are the ones who will bear the most pain . . . the exact opposite of what is supposed to be accomplished by this.

The bottom line for me is that just because we’re angry at banks, doesn’t mean that it’s okay to do anything and everything to get back at them–much less a good idea.  Our response should be targeted at the things they did wrong (like lending money to people who probably couldn’t pay it back), and should cause fewer problems for the general public than it solves.  Voluntary defaults fail on both counts.

Avie Tevanian joined investment firm Elevation Partners today as a managing director. Tevanian spent more than a decade at Apple before he retired in 2006. He is credited with helping turn around the company as the chief software technology officer, in charge of Apple’s vaunted OS X operating system, which is now used on everything from the MacBook air to the iPhone. At Elevation, he’ll rub shoulders with the likes of U2’s Bono, investor Roger McNamee, and former Apple chief financial officer Fred Anderson. We caught up with him for an interview.

VentureBeat: What made you want to look at technology from the investor’s side?

Avie Tevanian: I was happily enjoying retirement from Apple for almost four years. I have known people at Elevation since even before I left Apple. I have known [Elevations partner] Fred [Anderson] for many years. I have known the other guys for a while. Last year, they wanted to add members to their team. They brought (former eBay executive) Rajiv Dutta on board and were talking to me. I really like these people and working with them. I really like the opportunity to find companies to invest in. I decided to take the plunge.

VB: Were you investing on your own?

AT: Not in any significant way. Just as an occasional angel investor.

VB: How does the technology landscape look to you now?

AT: The part that interests me is the consumer side. I love what has gone on since I left Apple. There has been a complete revolution in social networking on the web. Mobile is totally different. We had cell phones and now we have smart phones. The things we do are just incredible. These things are just starting.

VB: Apple’s fortunes have turned around and you were a part of that. Are you surprised at how well they’ve done?

AT: The company has done phenomenally well. I don’t think any of us could have predicted it could have done this well. But I always believed that the things we were working on would have a big pay off. To see those things come to fruition is incredibly gratifying.

VB: Do you think phones are a great place to invest, or is this the domain of big companies?

AT: There are companies of all sizes involved in mobile. It’s still possible to have a small startup, but mid-size and large companies can do it.

VB: It seems like industrial design has really taken off. Where will that go?

AT: One of the things we did at Apple, and Steve Jobs was one of the first to pick up on this, was that industrial design mattered to a whole lot of products. Purchasing decisions have moved from being based on technical specifications to a world where decisions are based on an emotional connection to the device. A lot of that emotional connection comes from industrial design and how the software works. Here we are, many years later, and everybody else is finally starting to figure that out. Everyone now knows that is important.

VB: I just came back from the Consumer Electronics Show. There was a big presence for 3-D TV, eBook readers, and tablet computers. Are these on the right track?

AT: I am on the board of Dolby. It’s a reasonably big player in the 3-D space, although that is not well known. There is definitely a trend there. It is very early on and it remains to be seen where it goes. The tablets and eBook readers are still very early. There is something in those spaces. In tablets, it is in the very early innings and we should be watching what Apple does. They have a good track record in solving tough problems.

VB: What do you think of cloud-based computing?

AT: The cloud is now a new opportunity. It’s where new services will be created by new companies. It’s going to be an open landscape. We have to watch it and watch how the infrastructure grows to support it.

VB: What do you think of Silicon Valley these days?

AT: It’s always been the hotbed for technology. I don’t think that’s going to change. It’s a wonderful place to live and it’s a wonderful place to have our office. I will look at things internationally, but that is opportunity based. My primary focus will be local.

VB: What did you learn from the Mac OS X experience?

AT: To me, the lesson of OS X is that platforms are important. They are big investments and you can build on them. When we first created Mac OS X, I don’t think anyone envisioned it would be on a phone. We saw it, eventually. It shows a good platform can evolve into things that were never anticipated. It can be a really good investment.

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We’re not quite sure what to make of this, but it appears that the AccuWeather app for S60 5th Edition devices has gone ahead and leaked an unknown Nokia device — the “Saga” — which appears to be a sort of N97 Mini Mini (two “Minis” on purpose there) that trades the tilting screen for a more traditional flat sliding one. As Symbian-Guru points out, Nokia itself doesn’t typically assign names to its handsets — it leaves that job to its carrier partners — so this might simply be a branded version of one of the existing N97 variants, but naturally, the leaked device theory is juicier. At any rate, if this were to come Stateside, they might have a bit of trouble slipping it by Samsung since they’ve already got a Saga in the mix here, so we’ll be keeping an eye out for some blander N, E, or X series label if this gets real.

Nokia ‘Saga’ accidentally outed in AccuWeather ad? originally appeared on Engadget on Tue, 12 Jan 2010 16:58:00 EST. Please see our terms for use of feeds.

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A lot’s happened since T-Mobile first announced the myTouch 3G Fender Limited Edition, but if you’re looking for last-gen Android hardware in the sweetest case around, your wait is almost up: test units are going our to T-Mobile reps, and that formal launch will occur on January 20th. No word on pricing, but we can’t imagine it’ll be cheaper than the current myTouch 3G, especially since it adds a much-needed 3.5mm headphone jack and has that fancy woodgrain finish, bundled 16GB microSD card, and preloaded music. Yeah, we’ll still take the Nexus One, although we’d bet the myTouch 3G actually has… 3G.

T-Mobile Fender MyTouch 3G in the wild, due for launch January 20 originally appeared on Engadget on Tue, 12 Jan 2010 16:34:00 EST. Please see our terms for use of feeds.

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We were tempted to use the term "sleeper" in the headline, but ultimately decided against it. Without fail, whenever we employ that particular word, we’re overwhelmed by comments suggesting one of two things:

1) The sleepers in question aren’t nearly good enough to be owned in your league, because your league is that unbelievably tough; or…

2) The sleepers in question were owned in your league two seasons ago, because your league is THAT unbelievably tough.

It’s a battle we can’t win. Different leagues, different specs, different definitions of "sleeper." Let’s just avoid the word entirely.

Below you’ll find a list of a dozen players who appear to be excellent value plays for 2010. These names fall into an ideal risk/reward range on my pre-draft grid, based on the early ADP results at Mock Draft Central. All of them are available after the 12th round in a typical mock, and they all have clear fantasy upside. Nearly all of these players will be familiar to owners who were active in the final months of the 2009 season. (Please note that Wiggy award winners and their families were not eligible, so Garrett Jones(notes), Rajai Davis(notes) and Chris Coghlan(notes) were excluded). 

You got leads. Mitch and Murray paid good money…

Miguel Montero(notes), C, Arizona Diamondbacks (ADP 153.3)

There’s a solid case to be made for Montero as the No. 4 overall fantasy catcher, but we’ll save that for the position primer. The 26-year-old is coming off a season in which he delivered 46 extra base hits and posted a second-half OPS of .900. In an average draft, he’s taken three rounds (and four catchers) later than Jorge Posada(notes). 

Kevin Slowey(notes), SP, Minnesota Twins (ADP 224.9)

Last year’s hype still applies. His ’09 season only lasted 90.2 innings, ending in August due to wrist surgery, but Slowey is expected to be ready for spring training. His control is obscene (1.49 BB/9) and he was a bit unlucky on balls-in-play last season (.352 BABIP). If healthy, he’ll deliver enough Ks to be useful for fantasy purposes (7.44 K/9). 

Julio Borbon(notes), OF, Texas Rangers (ADP 225.2)

Borbon stole 53 bases and hit .321 at two levels in ’08, then he swiped 25 bags and hit .307 in 96 games at Triple-A last year. He finished the ’09 season in Texas, batting .312 with 19 steals. Borbon enters 2010 as the Rangers’ primary center fielder and leadoff man. He projects as a three-category fantasy asset with a realistic shot at a 40-steal season.

Nolan Reimold(notes), OF, Baltimore Orioles (ADP 230.6)

After undergoing successful Achilles maintenance in September, Reimold should be at full strength by spring training. A ridiculously hot start at Triple-A last year led to a mid-May promotion, and he never really stopped hitting. (There was a brief stoppage in August, but nothing disastrous). Reimold offers better-than-league-average power and enough speed to avoid being a liability. The main worry here is the pile of sketchy left field options available to the O’s. 

Brett Anderson(notes), SP, Oakland Athletics (ADP 240.1)

This ADP seems preposterously low, given Anderson’s production in his rookie season. The lefty struck out 150 batters in 175.1 innings, issuing only 45 walks. After the All-Star break, he improved dramatically in every important ratio. His second-half ERA was 3.48, his WHIP was 1.19, and he delivered a 4.30 K/BB. The home ballpark is friendly, too. Anderson’s Yahoo! pre-rank won’t be in the 240s, so don’t expect this kind of bargain.

Everth Cabrera(notes), SS, San Diego Padres (ADP 253.1)

Sure, the Padres’ lineup is mostly wretched, but Cabrera’s name will likely appear at the top in 2010. He stole 25 bases in 103 games for San Diego at age 22, and he swiped 73 in 89 attempts at Single-A in ’08. The speed is clearly real, although Cabrera offers little help in other categories. He’s a career .284/.384/.383 hitter in the minors. 

Martin Prado(notes), 1B/2B/3B, Atlanta Braves (ADP 292.5)

Last year, at age 25, Prado hit .307 with 11 homers and 38 doubles in 450 at-bats. He’s expected to start at second for Atlanta this season:

“I think we watched Martin Prado become our everyday second baseman in the second half,” [GM Frank] Wren said, “and I think that going into spring training, there’s no reason to think anything’s changed.”

Prado’s eligibility at multiple positions is nice a bonus. He’s been drafted almost 100 picks later than the 32-year-old Orlando Hudson(notes) (ADP 197.5) in mid-winter mocking.

Matt Thornton(notes), RP, Chicago White Sox (ADP 297.3)

We can’t say which closing jobs will change hands in 2010, but it’s obviously a position where turnover is the rule. Bobby Jenks(notes) has been the subject of trade rumors for the past year and his fantasy ratios are trending the wrong way. Thornton is next in the bullpen hierarchy, despite the offseason acquisition of JJ Putz(notes). The lefty is coming off an excellent season (1.08 WHIP, 87 K in 72.1 IP) and should be owned in any league with an innings max, whether he’s earning saves or holds.

Drew Stubbs(notes), OF, Cincinnati Reds (ADP 316.2)

The 25-year-old Stubbs is not without blemishes. He’s struck out at least 100 times in each of the past three seasons, he’s a career .269 minor league hitter, and last year’s major league power (8 HR in 42 games) may have been a mirage. But he stole 46 bases at Triple-A in 2009, then swiped 10 more in Cincinnati. He’s an excellent defensive center fielder, which should give him an edge in the Reds outfield pileup (assuming Dusty is making decisions based on merit, not years-of-service). 

Wade Davis(notes), SP, Tampa Bay Rays (ADP  322.0)

If you streamed your way to a fantasy title in 2009, you’re no doubt already familiar with Davis’ work. He registered 36 Ks in 36.1 innings for the Rays at the end of the season, and, despite an eight-run beating at Fenway in his second start, his fantasy ratios were ultimately useful (3.72, 1.27). The righty fanned 140 batters over 158.2 innings at Triple-A prior to the call-up. Davis should open 2010 at the back end of a respectable rotation.

Scott Sizemore(notes), 2B, Detroit Tigers (ADP 330.8)

Barring a spring training disaster or an unexpected free agent signing, the 25-year-old Sizemore will be the Tigers’ Opening Day second baseman. Placido Polanco(notes) received an offer from the Phillies that no 34-year-old infielder could refuse ($18M/3Y). In 130 games at Double-A and Triple-A last season, Sizemore hit .308/.389/.500 with 17 home runs, 39 doubles and 21 steals. He’s getting mock-drafted down in Kelly Johnson(notes)/Kaz Matsui territory, so there’s very little risk associated with the pick.

Michael Taylor, OF, Oakland Athletics (ADP NA)

In all likelihood, Taylor won’t be the first outfield prospect selected in your draft. Atlanta’s Jason Heyward or Tampa Bay’s Desmond Jennings will earn that distinction. But the 6-foot-6, 250-pound Taylor appears equally ready to offer a meaningful fantasy contribution. He was dealt from Philadelphia to Toronto in the Roy Halladay(notes) trade, then re-gifted to Oakland in exchange for third base prospect Brett Wallace(notes). "We think he’s a potential monster talent," said A’s general manager Billy Beane – and Taylor’s minor league numbers support the hype. In 116 games last season across two levels, Taylor hit .320/.395/.549 with 20 homers and 21 steals. 

—

Photos via US Presswire 

Am primit asta :

“Potrivit expertilor OMS, in viitorul apropiat lumea va fi cuprinsa de o pandemie de guturai elefantin african, de diaree si gonoreea furnico-ariceasca din Rusia. Deosebit de ingrijoratoare pentru epidemiologi este amenintarea proliferarii a tulpinilor australiene de schizofrenie a ornitorincului si de hemoroizi “mama Kangaroo”.

Dar oamenii de stiinta cred ca virusul cel mai periculos este cel al impotentei caprine, care, desi nu e o boala mortala, in mod fatal ameninta omenirea cu disparitia. Ca urmare a gripei aviare, ne vom confrunta cu boli cumplite, cum ar fi pojarul gandacului de bucatarie, guturaiul pisicesc, scolioza canina si diareea cetaceica.

Amenintarea sifilisului de popandau este mai puternica ca niciodata. Oamenii de stiinta cerceteaza in acest moment care sunt necazurile pe care ni le poate aduce vulpea polara.”(sursa:www.hotnews.com)

In concluzie :
1.Aveti grija la capre !!! V-ati putea confrunta cu impotenta caprina.Doar nu vreti sa ramana planeta fara populatie !
2.Nu mergeti prin Africa sau Rusia. Guturaiul elefantin african, de diaree si gonoreea furnico-ariceasca v-ar putea strica planurile de vacanta.
3.Evitati cainii,pisicile,gandacii de bucatarie si cetaceele.De fapt,evitati contactul cu toate animalele. Daca nu luati vreo boala,se inventeaza una si tot luati ceva !

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Subiecte interesante de discutat, două trei beri de băut si foarte mult de bărfit. Bloggeri și non-bloggeri ne vom întâlni ca să pierdem timpul aiurea și stăm la un pahar de vorbă.

Locația aleasă este Bavaria Pub, sala de jos partea de fumători. (Sorry non-fumători). Locația este una primitoare, prețuri acceptabile, muzica e ok îndeajuns la volum să putem discuta și nu urla. Pentru cei care nu știu unde este locație mai jos găsiți o mini-hartă. Dacă aveți ceva împotrivă locului lăsați un comentariu.

Număr de telefon de contact : Soby 0753.529.949

Skyzo 0770723052 / 0762.869.021

Mentol 0723.898.414

Sursa : http://www.noitrei.net

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by Ryan McKeen

It seems that the music is about to stop for real estate attorneys yet again.

2009 was the year of the refi. With interest rates at historic lows it made sense for many homeowners to lock in fixed rate loans at rates at or near 5%.

While attorneys weren’t doing record numbers of purchases and sales they were doing plenty of refinances.

Now this:

U.S. residential mortgage originations will plunge 40 percent this year to the lowest level in a decade as home refinancing demand sinks with rising mortgage rates, the industry’s main trade group said.

Lenders will underwrite $1.28 trillion in home loans this year, down from $2.11 trillion in 2009, the Mortgage Bankers Association said in its annual forecast on Tuesday. That would be the lowest since $1.14 trillion in 2000. Reuters.

With interest rates expecting to rise in 2010 it makes sense that refinances will decrease.

Short of a “hot” real estate market it looks like 2010 might be a tough year for real estate attorneys.

The most important economic debate of 2010 will be how to reform the financial sector to make it more stable. Many of the most popular ideas — reducing leverage, raising capital requirements, even taxing financial transactions — rest on the principle that smaller banks support a more stable financial sector.

I just wrote a blog post defending a bank tax that could (a) shrink large banks and (b) encourage customers to switch to smaller banks. A very smart acquaintance in finance (who asked that he remain anonymous) took issue with the underlying argument. In our reflexive hatred of Too-Big-To-Fail banks, he said, we’ve fetishized Too-Small-to-Survive banks. Here is a cleaned-up transcript of our (very interesting!) conversation over Gchat:

Dr. Gonzo:  Regarding your bank tax piece: Making the banks smaller isn’t sufficient. The small banks have been a disaster as well, and a huge drain on the FDIC’s funding.

Yes indeed, you can play Starcraft (Stratagus) on the Nokia N900. And it looks a little easier to handle than Duke Nukem 3D.