text:
DETROIT -- Jim Thome again provided the Chicago White Sox with power, and for a change his teammates gave him some help.
Thome and Joe Crede hit two-run homers and Paul Konerko added a solo shot, leading Chicago to a 5-3 victory Monday in the Detroit Tigers' home opener.
When Thome made it 2-all in the third with his fourth home run, he remained the only White Sox player to clear the fences this season. In the sixth, Crede ended the non-Thome homer drought and put the White Sox ahead. Konerko restored their two-run lead in the eighth.
"I knew we were going to hit," said Freddy Garcia, who gave up three runs and five hits over six innings for his 100th win. "We have a great lineup."
Thome, who has been used solely as a designated hitter, was acquired from Philadelphia in November for outfielder Aaron Rowand and two pitchers. Thome hit just seven homers in 59 games last season, limited by elbow and back injuries.
"As long as Jim is healthy, we know he can help this ballclub," Chicago manager Ozzie Guillen said. "Being a DH will help him because it keeps him out of the field."
The last time the White Sox played at Comerica Park was Sept. 29, when they clinched the AL Central en route to their first World Series title since 1917.
"I think that game set everything up for the playoffs," Guillen said. "People were talking a lot of stuff about us, about how we choke, but after we clinched here, it took a lot of pressure off the players."
Garcia (1-1) bounced back with a solid outing after allowing seven runs and nine hits over four innings in his first start, a loss to Cleveland.
Chicago has won two straight after losing four in a row.
Jeremy Bonderman (1-1) allowed four runs and six hits in seven innings for the Tigers. Detroit has lost two straight following a 5-0 start under new manager Jim Leyland.
"It was a good ballgame -- just a bad outcome," Leyland said.
Leyland, who led Florida to the 1997 World Series title and was a two-time NL Manager of the Year in Pittsburgh, is back in the dugout for the first time since quitting in Colorado following the 1999 season.
His 15th season as a major league manager is with the Tigers, who signed him as a minor league catcher in 1963 and he began his career in the dugout in 1971 with Detroit's farm team in the Appalachian League.
After Sparky Anderson chose to not include Leyland on his coaching staff in the late 1970s, Leyland left to be the White Sox third-base coach in 1982. A Comerica Park-record crowd of 44,179 gave him perhaps the loudest pregame ovation.
"I don't know if they will Wednesday, but that was a good feeling," Leyland said of the cheers.
Detroit went ahead 2-0 on Craig Monroe's two-run homer in the second inning, one pitch after Carlos Guillen walked. Thome tied the game in the third with a two-run shot, homering for the second straight day.
Chicago took a 4-2 lead with another two-out homer, Crede's in the sixth. Chris Shelton's RBI double pulled the Tigers within a run in the home half.
Brandon McCarthy relieved Garcia in the seventh and pitched two solid innings and Bobby Jenks pitched a perfect ninth for his second save.
- Thome's homer was his 434th, tying Juan Gonzalez for 34th. Thome is seventh among active players.
- Detroit closer Todd Jones, on the 15-day DL with a pulled left hamstring, threw off a mound and said he felt good.
- Through their first seven games, the Tigers haven't committed an error -- their best streak to start a season since 1951.
- Detroit native Jerome Bettis, who helped the Pittsburgh Steelers win the Super Bowl next door at Ford Field, threw out the ceremonial first pitch.
- The White Sox were 14-5 against Detroit last season.
- Shelton was selected the AL player of the week Monday.


text:
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subset: commoncrawl


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Promoting your event
I've found the place, how do I get people to attend my local event ?
Just one word: Promotion. During next few days we will release some materials to help you to promote your event.
How do I add the event in Plone.org ?
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Please, don't wait to have all the information ready to add the event, you can update it while you get the data and ask to publish it when you consider it's done.


text:
Beware the comedown if house prices surge
Despite the steep prices, housing affordability is close to its highest level in a decade. Confused? Don't be fooled, says Michael Janda, because interest rates can't stay this low forever. And if prices surge, the likely outcome is an even bigger housing bubble.
The new year is less than two weeks old, and analysts are already arguing about the trajectory of Australia's real estate market.
Economist Stephen Koukoulas has caused a stir with his forecast that home prices will jump 10 per cent this year. This runs against prevailing wisdom that prices will remain flat or grow around the same rate as wages (3-4 per cent) in 2013, and against the main minority view that house prices will fall again this year.
One piece of evidence he cites is a 0.6 per cent rise in RP Data's daily home price index since the start of the year.
Mr Koukoulas himself admits that one swallow does not a summer make, and that a couple more months of data are needed before a trend can be ascertained, especially since the trend has been mostly down since October.
Despite the absence of a clear trend to date, as I've written on this site previously, I think there are many reasons why Stephen Koukoulas may be right.
However, I am not as sanguine as Mr Koukoulas about the likely consequences of such a home price rise if it does indeed occur.
A recent Fitch Ratings report compared the housing and mortgage markets of 12 different developed economies. The report confirms that Australian house prices have seen the biggest gain since 1997 of any of the dozen nations - although Ireland and the UK at one time had bigger peaks before their prices slumped post-GFC.
Australia also has the biggest debt-to-income ratio for people buying houses at the current time, with a household buying an average-priced home devoting well over 30 per cent of their income to mortgage repayments.
The Fitch report also shows Australia's houses are the second most expensive relative to GDP per capita - the standard measure of national income per person. The only nation of the 12 with relatively more expensive houses is Greece, and that is only because its GDP has been tumbling for five straight years.
Mr Koukoulas and many other analysts counter that, despite the steep local prices, housing affordability is just shy of its highest level in a decade. However, this is illusory affordability - mortgage repayments are lower because interest rates are below average, not because housing is significantly cheaper than it was.
The term illusory is particularly apt as home purchasers must generally make repayments for at least 20 years to pay off their loans, a period during which interest rates will almost inevitably pass through various cycles of being below, above and right around average.
This illusory affordability is dangerous because it can fool potential buyers into thinking they can afford a home, when they cannot at more typical interest rate levels - a problem well illustrated by the upfront rate discount periods that lured many Americans into loans they could not afford, and ultimately triggered the GFC.
The only way this high level of affordability based on low rates is sustainable is if the RBA guarantees that it will hold the cash rate down for many years, something akin to the US Federal Reserve's commitments.
However, firstly, the RBA is highly unlikely to do this and, secondly, if it did, it would present other serious risks for the economy - not only housing bubbles but other asset price surges, and the decimation of earnings for those relying on bank deposits.
So, as Mr Koukoulas argues, the conditions are in place for another jump in house prices, much as they were in late 2009 - with low rates and low unemployment. However, most young Australians cannot prudently afford to buy a home now, let alone if prices jump another 10 per cent.
That means the likely outcome if prices do surge will be a bigger housing bubble and a more painful crash when it does inevitably burst.
Michael Janda is the ABC's online business reporter. View his full profile here.
Topics: housing, housing-industry
Comments (66)
Comments for this story are closed.
11 Jan 2013 4:25:24pm
If governments could see to it that more more affordable housing became available - and reign in the powers of Real Estate Agents, we'd all have a pad of our own to live in - making for a productive society.
11 Jan 2013 4:59:34pm
It's not real estate agents that are to blame it's idiot Govt's who push the housing market because "it's good for the economy" well here's news, you better find some other way to boost the economy because there are hundreds of thousands of young people with motgages they cant afford thanks to you.
11 Jan 2013 6:35:53pm
Trump I know you like to blame the Government for everything but tell me, how is the government (any government, Liberal or Labor, State or Federal) responsible for the size of someones mortgage?
11 Jan 2013 6:56:25pm
Well it's like this Mycal, Rudd for instance changed the FIRB laws to allow anyone from overseas to buy whatever they like without restriction, this led to the Chinese in particular driving the market through the roof, they had the money overseas and just relished the opportunity to buy here and they didnt care about the price.
I saw many young Aussies miss out to Chinese at auctions as they just kept bidding withoiut a care in the world.
Then Rudd I think doubled to first home buyers grant to get the housing market going again, once again prices went up and all the Govt could say was "you better hurry to get into the market"
I despise the present Govt for what they did to thousands of young people as when rates rise , and they will, they'll be out on the street while Rudd is relaxing at the UN writing essays.
11 Jan 2013 7:05:18pm
Due to the tax benefits of negative gearing property. People choose to invest in this over other assets.
11 Jan 2013 6:52:45pm
"it's idiot Govt's who push the housing market because.."
It's easy (and not entirely unjustified) to blame the government, but governments generally don't get reelected in the face of falling house prices. That's pretty good incentive for them to keep them growing.
11 Jan 2013 5:00:45pm
Me hear it has been done in Venuzewela and Cooba. Can you check and let us know plz
11 Jan 2013 5:57:09pm
I was a real estate agent in Sydney for 20 years. I was an auctioneer and owned and operated 3 busy practises
This was when you had to undertake years of study and workin within the industry to become qualified.
Now its "de-regulated", and of course standards have tumbled.
Price booms are a product of market forces.
Sydney home owners are real estate obsessed and very greedy especially in the upper mid range and prestige areas. .
The huge amount of migration has priced "many average Aussie home owners out of the market in bread and butter "as new groups clamour and sepeculate , often with nothing down in the way of a deposit.
The banks and mortgage brokers have a lot to answer for with diodgy loan approvals.
There are years of mortagee sales in the pipeline to come.At present the banks are working through commercial properties in default.
State goverments who make huge incomes from Stamp Duty on real estate transfers for virtually no effort, have contributed to the unaffordability of residential property .
So does government at all levels with onerous red tape and rip-offs at every possible opportunity.
Anyway. Take it from me , Metropolitian real estate in Sydney and Melboune is not going anywhere price wise for years.
We will be very lucky to avoid a bug correction
. And if we suffer a decent into a second wave of the GFC we may suffer a crash such as has ocurred in the US , Europe and Japan.
Expect rents to rise as for some reason we continue to take in 300,000 immigrants a year with inadequate infrastructure and declining job opportunities.
11 Jan 2013 5:10:57pm
The question is, where will the market get the money from to drive these increased prices?
The Australian Public have maxed out their credit card with household debt sitting at about 150% of household income.
The RBA have put a tight reign over the big banks to make sure they are reducing their offshore borrowings which was largely the source of the funds that produced the housing bubble during the Howard era.
Given the failure of the financial system to look after itself and require expensive taxpayer funded bailouts as evidenced overseas, the Australian Government through the RBA and APRA have every right to demand that the banks strengthen their balance sheets, reduce their massive exposure to foreign equity markets and to lengthen the maturity dates on bonds issued by the banks to provide longer term source of funds.
If the government allows banks to have access to our super funds it must make sure that the money is used to reduce other borrowings by the banks, particularly offshore borrowings, and not be used as just another source to increase bank funding.
Finally if the source of the increase prices is foreign buyers piling into existing properties then the government must quickly change the laws to reduce offshore buyers of existing real estate.
11 Jan 2013 6:37:48pm
"The question is, where will the market get the money from to drive these increased prices?"
It isn't the money Joe, it's supply (not much of that) and demand (heaps of that). The price point goes higher, fewer houses get sold.
11 Jan 2013 4:34:47pm
Very true. The cost of housing in terms of wages is a scandal of our time. In my youth a hard working chap on modest wages could expect to pay off a house. This was wrecked in the first instance by the interest rates of one treasurer JW Howard. Now a two income household struggles. There has been a terrible misapplication of funds into unused bedrooms and extra lounge rooms. This has been non productive and the result of poor policy by successive governments with their idiot capital gains and negative gearing.
We need only look at the US, Ireland and Spain to see what happens when construction of houses and apartments leads the rest of the economy.
Waterloo Sunset:
11 Jan 2013 4:36:02pm
I doubt that there will be a surge. Prices are subject to valuations carried out for wary banks, by wary valuers.
People with cash will be wary too. No rises for 4 years, methinks.
That excludes some of the exclusive pockets - which are for exclusive pockets.
11 Jan 2013 5:17:12pm
Beware a source of funds which comes from left field. Australia is a very Open Economy which has a lot more problems than people are prepared to admit. One of those problems is that funds can come from almost anywhere and they can pile into almost any asset class they choose.
Perhaps it is time for Australia to review a number of laws and rules, starting with its Open Economy, Dual Citizenship requirements and foreign investment approvals.
11 Jan 2013 6:05:13pm
Fair point I think. A couple of years ago a lot of NZ waterfront property was being bought up by mainland Chinese folk and maybe Americans. Prices grossly out of line with properties a few blocks back from the water from memory. Caused quite a bit of resentment from the kiwis. Not always the cheeriest of souls when it comes to other accents anyway.
11 Jan 2013 5:28:40pm
The banks have a conflict of interest in this matter, so their assessments aren't at all "wary"!
Their aim is to make a profit out of their depositors and borrowers, not to make anything fair or equitable.
The banks think they're hard done by if they can't increase their profits every year by more than 10% and the only people who are required to pay for that level of continuing and accellerating greed are the borrowers and depositers.
If the banks think they can take most of your income in interest and principal and THEN drive you to default on the loan so they can take the house back again, they WILL do it.
The banks are NOT your friend. They're a necessary evil, but always remember, they _are_ evil.
Hank Moody:
11 Jan 2013 4:44:33pm
If the RBA keep rates this low over a long period not only will there be asset bubbles and a decimation of earnings from bank deposits, but the value of the money in those bank deposits will be decimated as well.
11 Jan 2013 4:44:39pm
For our local economy to get back to good health, rent and property values need to fall by half, and the cost of food and food production need to double.
Billy Bob Hall:
11 Jan 2013 5:42:28pm
It'll never happen. House prices are protected. No government will allow a reduction property values. They will do anything, including rolling the printing presses 24hours a day to make sure of this. Their electoral survival depends upon it. There is far too much at stake and too much money locked up in this sector. Real Estate really is 'too big to fail'.
Safe as houses mate, safe as houses. :-)
Kent Bayley:
11 Jan 2013 4:53:31pm
Residential real estate in Australia will fall in 2013. When the average couple cannot afford the average mortgage then prices must fall. People may want a home but if they cannot afford it then they cannot buy. I believe this absolutely and all the comment and spin by the real estate industry will not change the facts. It will fall over time and you can bank on it.
11 Jan 2013 6:45:11pm
"but if they cannot afford it then they cannot buy"
To true Kent but if they cannot buy then they must rent, this pushes the price of rents up, increasing the returns of investors who switch funds into buying rental properties, thus increasing the demand for residential dwellings, because they are in limited supply that will force the price up!
It's supply and demand that determines the price point of a house, just like any other commodity. With the RBA redicing interest rates more money will be available to buy house, increasing demand.
Economics 101 and BTW I expected more from most of the posters to this article, a lot of economic illiteracy being demostrrated here.
11 Jan 2013 4:55:09pm
The only things keeping house prices buoyant is the current low interest rates and the so-called 'mining boom'.
Billy Bob Hall:
11 Jan 2013 5:45:33pm
Nothing to do with the so called mining boom. Even if there wasn't one, the government would continues to structure it's policies, using whatever it takes, to keep the housing and financial sectors strong. That's an absolute.
11 Jan 2013 4:58:20pm
Wouldn't restrictions on negative gearing help keep house prices lower? Wealthy investors able to claim tax breaks on multiple properties keep new home owners out of the market.
Peter of Melbourne:
11 Jan 2013 5:15:50pm
It was only a few years ago that 20 year olds had negative geared interest only loans on 20 or 30 houses at a time... people wonder why you cant afford a house, there was the beginning of the end.
In the past a home was not primarily a financial investment, it is was a lifetime investment in a safe place to raise your family. This seems to be a concept that has been lost in the past decade or two by our so called Governments and banks.
Billie Blue:
11 Jan 2013 5:45:39pm
Precisely. This is one lesson that is going to be learned the hard way, right to the bitter end. Sadly.
11 Jan 2013 5:54:54pm
Negative gearing isn't much of an incentive with interest so low.
Investors will invest in houisng - wether negative gearing is there or not.
It is only one of many criteria.
Price v Rent ratio is a bigger incentive. You bring down prices - investors may buy even more.
11 Jan 2013 4:58:22pm
Housey schmousey. Hit the road. Buy a ute, sleep in the back. Buy a tent if you want to go all la-de-dah. Mobile living - not stuck in an immovable house surrounded by 100 houses with 700 residents, squashed into a hellhole of drawn curtains and heat and council robbery, 15 miles to work takes 3 hrs in stuck traffic, paying off your brick veneer matchbox, dying a year after the last payment. Land prices and utility prices and bricks and pavers and pergolas and patios and carports and tiles and carpets and millinery and manchester and dishwashers and gas burners and refrigerator and aircon and lawns and driveway and letterbox and real estate agents. Have a good weekend!
are we there yet:
11 Jan 2013 5:30:41pm
People used to do that in the past 'freeasabird', it was called the 'Stone Age'.
But they didn't have utes. Which is probably why life was so hard and short.
I have a wagon, does that count.
Lawn Beetle:
11 Jan 2013 5:35:28pm
Forgot the computer and/or mobile - don't need them either.
C'mon freeza go the whole feral hog!
the yank:
11 Jan 2013 4:59:01pm
"Don't be fooled, says Michael Janda, because interest rates can't stay this low forever. And if prices surge..." and if interest drop by another .5% as predicted?
I am not going to fall into the trap of predicting where interest rates may be in another several years but past experiences indicate that Australia will not be that much different than the rest of the world.
A 10% increase in prices? I doubt it. I think you?d have to have a lot of faith you could sell your place when the market seems, at present, so flat but who knows?
One interesting fact; I am trying to sell my house to buy another but have to sell my place first. There are two people interested in buying my house but they have to sell their houses first and so on and so forth.
So somewhere down the food change a new person or someone looking to buy yet another property will start the dominos falling. I hope they do it soon.
11 Jan 2013 5:36:45pm
Just a small fraction of the money now being printed around the world would be required to find its way into Australan Domestic real estate for a 10% increase in price to occur.
Remember, the global financial system is broken...
Alison Cann:
11 Jan 2013 4:59:59pm
Sorry to dump cold water all over you and your argument.
Oh, I really am.
Australia's interest rates although low for Australia are still some of the highest rates in the world.
Therefore so, sorry but it seems Australia's interest rates have to go lower still, maybe to zero like other countries in the world.
11 Jan 2013 6:19:44pm
The other way of looking at it is that as interest rates fall investors sitting on cash will want better returns. A broker I met yesterday (I'm in low finance) mentioned an old couple he dealt with. Very cautious. They have invested $3000 a time in the stockmarket for years. Yesterday they rocked up wanting to put $100k into bank shares, despite them trading at relatively high prices. Similarly real estate agents will be seeing interest in housing from investors who like the feel of bricks and mortar. With limited housing stock that will be reflected in higher prices soon enough I expect. And so bubbles are inflated. Keep your bicycle pump handy. And please put down that glass of water, you're making people feel nervous.
11 Jan 2013 5:00:47pm
There is only going to be an increase in housing affordability if developers can afford to build more cheaply and if the supply of housing increases under such conditions.
Billy Bob Hall:
11 Jan 2013 5:50:23pm
Dream on. No one wants to sell cheap land or houses. There is too much money at stake to allow anyone's property values to decrease because of any sort of increase in supply.
Ask yourself this question, does Australia really have a shortage of land to develop ? Take a drive from Sydney to Perth for example, and you'll see what I mean.
Is all that land 'gazetted' for future development ?
You see it's 'a regulatory (and financial) issue' at the end of the day, and for good financial reasons.
11 Jan 2013 6:24:01pm
You might need to see buyers' tastes change as well. Throw away those old editions of House and Gardens or whatever you read folks, consider laminex and stainless steel.
11 Jan 2013 5:01:44pm
In Melbourne the outer suburbs are in real trouble the inner suburbs are difficult between $1 and $2 million and the very inner areas such as Richmond etc are actually booming.
Another Trevor:
11 Jan 2013 5:02:16pm
Get rid of negative gearing.
11 Jan 2013 5:33:28pm
That takes guts, sorry fresh out in Canberra.
11 Jan 2013 5:56:43pm
Not sure if prices will drop without negative gearing.
11 Jan 2013 5:02:53pm
Hmmm, I think they were saying exactly that just before Fannie Mae and Freddie Mac collapsed along with housing prices across the USA. If something is too good to be true then it probably isn't!
11 Jan 2013 5:09:41pm
Median rent in Perth is $450 a week (up 13.9% from 12 months ago). Far too high. I suspect that many owners of rental properties are too greedy. Interest rates have come down. Shouldn't they be passing some of their savings to those who rent?
11 Jan 2013 5:57:53pm
Not all owners have loans. So your savings are imaginary.
Kevin Wunterm:
11 Jan 2013 6:32:19pm
Too greedy? Rubbish. Supply and demand. Simple as that.
11 Jan 2013 5:13:33pm
Spot on Michael Janda.
One of the first things a potential buyer should do is work out what the mortgage repayments are a 10% interest.
If you can't afford the repayments at 10% you can't afford the house.
Interest rates may be low at the moment but they can not be relied on to stay that way. In 2- 5 years time they will surely go up. People forget that the current levels are at emergency rates and are historically low.
Do not expect them to stay this low. Any one who does is a fool.
11 Jan 2013 5:14:31pm
Imagine if the full amount you pay into your home loan came off the principle. Most of us are paying thousands to the bank each month in interest payments.
Houses will always be priced at the most anyone will pay for them. Renting is just as bad. We don't have a choice as our only other option is sleeping under a bridge.
11 Jan 2013 5:18:54pm
Rates will fall yet further and it is about time the market ceased falling or stagnating. All far too early for some scare monger to be predicting an out of reach price leap. This uninformed negativity on one lot of RP Data is absurd to say the least.
11 Jan 2013 5:20:19pm
If interest rates stay where they are, or god forbid, go lower, then housing prices have to go up
Term deposit rates at the moment are about 4.5%. Rental yield (gross) is close to 5%, however, investors are still staying away from housing in a big way because of holding costs
If term deposit rates fall to 4%, this makes housing a much better investment, where we will see a large shift from cash to property (this happened in 2009 when some Term Deposits went as low as 3%)
So, in effect, if housing increased by 10% because of the shift from cash to real estate, rental yields would only drop to 4.55%, still making real estate a more attractive investment for our property mad Australian investors. Let this go on for 12 months, the Media will cotton onto the idea (as always, 12 months late), then this will in effect support the real estate price increase for even longer
Economics 101 really....that's why the share market has increased 15% or so in the past 12 months, even though earnings have been relative stable...share market is always 12 to 18 months ahead of the real estate curve
11 Jan 2013 5:21:11pm
House prices are high because there is more demand than supply if you want cheaper housing let the builders and developers of the leash
11 Jan 2013 6:39:34pm
Before people have the confidence to build in the outer suburbs public transport infrastructure needs to be built, that is train lines, train stations and linking bus routes with a maximum of 10 minute bus ride to the train station.
11 Jan 2013 5:22:00pm
The problem with this analysis is that the longer house prices stagnate and there is no construction of new houses, the higher rent will become for those who don't own a house. Either way, the cost of housing increases, yielding a return for property owners. The only way this will change is if the cost of building new dwellings decreases. And guess what, that would require smart city planning by governments, increased inner city density, cuts on red tape and stamp duty for new apartments and town houses etc. Can you see any State government being smart and brave enough to fund this when it results in a direct drop in their own revenue? I can't.
Kevin Wunterm:
11 Jan 2013 6:42:22pm
ACT has commenced on the road to phasing out stamp duty.
11 Jan 2013 5:24:25pm
I often have a sense that Michael writes what he hopes will happen, rather than what cold reason (or a dispassionate model) suggests will happen. If you read Koukoulas' article there's a strong argument there.
Although he's not as bad as the various real estate industry associations, who will call a housing boom on any day regardless of the prevailing winds.
11 Jan 2013 6:30:31pm
A straw in the wind is a recovery in the prices of building material stocks. But the market often gets it wrong too.
11 Jan 2013 5:28:27pm
I have always been puzzled how the government has been unable to house the homeless - the cost of doing this (in modest shelters) would be small, especially in relation to the savings (in reduced health costs) which would result.
But it is becoming apparent that there is a much bigger problem. Never mind the homeless. We are unable to provide houses for ourselves. Housing is, simply, too expensive.
One partial solution is for us to become trailer trash. In the US a big, and increasing, proportion of housing is manufactured homes - trailers. This must also happen here. There is, simply, no stopping it. It will happen and Governments should allow it to. A trailer home is better than nothing.
Other big changes in housing are already well advanced. Most of us grew up in homes with backyards. The homes being built now do not have backyards - and I am not just talking about the increasing proportion of apartments. Any new homes development is easily seen to be, simply, apartments sliced and diced and spread out.
So there are three ways of improving home affordability - all at the cost of quality of life - trailers, high-rise and no backyards.
But I would like to see a body like the Productivity Commission given the task of established how we can return to a situation where a modest home, with a backyard, is affordable. There is no fundamental reason why what was possible 50 years ago should not be possible today.
I can just glimpse part of the problem - our national infrastructure, which includes roads. railways and things like water and sewerage systems, has been woefully neglected for decades. All of these impact, directly or indirectly, on the cost of housing. If more government resources were available to correct this situation the whole economy would benefit and, I suspect, the effect on housing costs could be spectacular.
I wonder what would happen if the GST was increased to 15%? Most of the proceeds would go to the States (who are responsible for the neglect of national infrastructure). I suppose they would just fritter it away but you never know.........
Kevin Wunterm:
11 Jan 2013 6:44:27pm
"So there are three ways of improving home affordability - all at the cost of quality of life - trailers, high-rise and no backyards."
Number 4. Can the carbon tax which was estimated to add $6k to the average new build price. Where's the compo from Gillard and Swan for that?
Alison Cann:
11 Jan 2013 5:38:58pm
We have to qualify the term 'Affordable Housing" to know where interest rates will go. What is Affordable Housing?
Well the NSW Government are going to have a go at coming to terms with the term Affordable Housing. They are going to tell the people of Redfern just what Affordable Housing is.
In Redfern the NSW government are refurbishing a block of houses and units called "The Block". it is residential living for the Aboriginal people already in Redfern. They are pulling it down and spending $70million in what they call 'Affordable Housing".
Now the big step and skip and a jump is will the people who were living there in The Block be able to afford to still live there in the new housing the NSW government will call 'Affordable Housing". i have heard there will be swimming pools. I mean Michael, just who is paying the $70 million?
Who is paying the $70million Michael? Is it the people who already had housing in The Block at Redfern or is it The NSW Government who were given the money from taxpayers?
If it is the NSW government it means that they now have to justify why they spent $70 million. What are the NSW Government going to get out of the money spent? Will there be a bottle shop and wine bar? How many? Look into it Michael.
11 Jan 2013 5:49:56pm
It is only too obvious that housing in Australia is far too expensive, and we are not getting value for money.
When did the huge jump in house prices occur? Many say during the Howard years.
The current opposition, Hockey in particular are always going on about how the Liberals are always better economic managers.
"The International Monetary Fund has examined 200 years of government financial records against 55 leading economies.
It identifies only two periods of fiscal profligacy in recent times,in Australia, and that is during the Howard years.
This information is in an article written by a Peter Martin in the Canberra Times.
Joe Hockey did not dispute this but boasted that the Howard Government left a surplus. Probably a case of they had so much money from the mining boom that they could not spend it all.
This information is interesting, as it suggests that Howard is possibly responsible for more of this country's current ills than the Coalition like to let on, and puts paid to their claim of fiscal responsibility.
11 Jan 2013 5:58:29pm
A 10% rise? I doubt it . Confidence is shot - the fall is just beginning...
11 Jan 2013 5:58:53pm
Get rid of state stamp duty that was promised to go when the GST came in.
11 Jan 2013 5:58:58pm
The new Australian dream is that young people can only afford to rent until well into there mid-thrities thanks to the baby boomers artificially inflating property prices with investment properties.
11 Jan 2013 6:05:11pm
'Despite the steep prices, housing affordability is close to its highest level in a decade. Confused?'
No. Just because affordability has improved and is close to the most affordable in a decade (debatable depending on which metric is used eg HIA vs the rest of the world) doesn't mean Australian housing is affordable or good value. It does show what a credit expansion funneled into property underwritten by terms of trade has done to Australia. Turned us into a nation of holes and houses while productive labour and capital has to 'make way' for rentiering.
Water that has reduced temperature from 100 degrees to 90 degrees is still hot.
Improved affordability is just parroted by spruikers.
11 Jan 2013 6:18:34pm
If house prices surge by 10% this year I, and plenty of other housing investors I know, will set about dispensing with our vastly overpriced assets. If we all act as one and get rid of our junk status assets (and housing investment in Oz is junk status) then the predicted crash will come a lot quicker than some predict. I'm gagging to sell, sell, sell.
Bruce Mullinger:
11 Jan 2013 6:23:50pm
Is it a good thing when house prices rise?
11 Jan 2013 6:33:01pm
I am realtively sanguine about the housing market, but I suspect that in my case ignorance is bliss. There is, however one issue I find fascinating.
"That means the likely outcome if prices do surge will be a bigger housing bubble and a more painful crash when it does inevitably burst."
Lets assume that happens, lets also assume that Tony Abbott is the next PM. Depending on the timing it could mean that the Libs would be faced with a major economic crisis on their watch, perhaps just before the election.
How would they blame this on Julia ?
Meanwhile, time to start planning on how to make a buck on the next housing bubble!
11 Jan 2013 6:52:07pm
Its a simple economic problem: demand exceeds supply. Cut off demand and prices fall; and/or increase supply: reduce the cost to developers of building homes and encourage the building of more homes. How do you do this. 1. Cut off demand by setting net migration to zero, 2. Make land purchases free of all tax, 3. Make all materials and labour that go into housing GST-free, 4. Make land available in large quantities, 5. Provide developers with $5000 per home on top of what they can sell the property for, 6. Slowly increase net migration to put more umpf into the market. Repeat process.
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Moviemakers Beg Banks for Cash as Nollywood Goes GlobalChris Kay and Chris Spillane
Obi Emelonye had to battle Lagos airport bureaucrats, indifferent banks and skeptical peers to release his plane-crash thriller, a movie production on a scale rarely seen in Nigeria's film industry.
"The biggest challenge was negotiating the diplomatic nightmare, potholes, even land-mines -- taking over 100 people every day and passing them through security to go air-side with technical equipment," the writer-director-producer says in an interview in London, after flying in from the Seattle International Film Festival.
"Every day we came, it was another story and I had to throw some money on the table usually to allow us to be able to shoot."
"Last Flight to Abuja" was the highest-grossing West African film last year, taking in $350,000, with premieres in cinemas from London to Lagos.
It cost $250,000 to make, more than six times the typical budget in an industry known for shoddy shoots, poor production and filmmakers churning out features en masse to a nation of more than 160 million people, Africa's most populous.
Emelonye is trying to avoid being another nobody whose movies go straight to DVD. The 46-year-old is making better-quality movies as he tries to attract a global audience to Nollywood, which like Bollywood, is a play on Hollywood.
Nigeria's film industry is the second largest in the world by films made and generates about $800 million a year in revenue, according to London and Lagos-based distributor iROKO Partners Ltd.
Greed, Conflicts
Nigeria started producing movies in the 1960s, though modern Nollywood started with Kenneth Nnebue's 1992 drama "Living in Bondage" establishing the themes of marital discord, greed and conflicts between Christianity and traditional faiths.
The West African nation made an average of 1,093 films a year between 2005 and 2009, second only to India's 1,178 movies, according to the UNESCO Institute for Statistics.
A typical Nollywood film has a budget of $40,000, the largest producers make 20 to 40 titles a year and an average movie sells 50,000 copies, according to iROKO Partners, which distributes DVDs in Africa and streams videos for international subscribers online using a similar model to Netflix Inc.
This year will see the release of an adaptation of Chimamanda Ngozi Adichie's novel "Half of a Yellow Sun," the most expensive movie filmed in Nigeria. Set during the country's civil war in the 1960s, it cost $9 million.
International Stars
Seventy percent of the funding was raised from Nigerian investors with the rest from the U.K. and the British Film Institute.
Directed and written by Nigerian novelist and playwright Biyi Bandele and filmed in the city of Calabar, the film places international actors Chiwetel Ejiofor and Thandie Newton alongside Nollywood stars such as Genevieve Nnaji.
The promotional trailer was the most viewed online among those being screened at the Toronto International Film Festival this year.
"One of the reasons for going to Toronto is to sell the film to distributors," says Yewande Sadiku, an executive producer on the film and an investment banker at Stanbic IBTC Holding Co., who helped assemble the financing.
If the movie is a success, it may spur more funding, Sadiku says in an interview at the Federal Palace Hotel overlooking the Lagos lagoon, Nigeria's commercial capital and home of Nollywood.
'Piddly' Money
"Nollywood in size is big, but Nollywood in financial terms is piddly," she says. "This film demonstrates what is possible."
There is an appetite for well-made Nigerian films. Yet with a few more than 10 cinemas in the country and a disorderly distribution network, it's hard for producers to recoup costs on higher-budget films, according to filmmaker Lonzo Nzekwe.
The 38-year-old director of 2010's "Anchor Baby," a drama about a Nigerian couple illegally living in the U.S., recouped the $200,000 it cost and made a small profit.
The movie was released in Nigerian, Ghanaian, U.K. and Canadian cinemas and won 12 awards at festivals. The first Nollywood movie available on iTunes is also on Nzekwe's own video-on-demand website.
"Nigerians are doing well in international film festivals, it's not about making a movie and going straight to DVD," Nzekwe says in a phone interview.
Family Support
Getting bank financing is nearly impossible, according to both Emelonye and Nzekwe, who relied on the support of family and friends.
Only a few companies -- such as phone companies MTN Group Ltd., Emirates Telecommunications Corp., and lenders such as Diamond Bank Plc -- have started sponsoring films and using Nollywood stars to market products.
Nigeria's government has realized the potential of Nollywood, which employs 200,000 people directly and another million indirectly, according to Finance Minister Ngozi Okonjo-Iweala.
This year ministers started a three billion naira ($18.7 million) film training plan, while offering more tax relief, she says.
Nollywood needs better distribution of quality DVDs and a clampdown on piracy, according to Adi Nduka-Agwu, head of Africa business development for iROKO.
In response iROKO, which started in 2010, has built an audience of 6 million users across 178 countries with more than 5,000 movies that can be streamed online for about $5 a month.
Patchy Networks
Patchy Internet networks in Africa lead to many people watching DVDs instead of streaming online, Nduka-Agwu says in an interview in Johannesburg.
iROKO started supplying Nollywood DVDs to 150 retail outlets in Johannesburg in June and is looking to expand further in Africa's biggest economy. The company has had its first request from a distributor to supply to Zimbabwe, she says.
With his next three films, Emelonye is hoping that banks, investors and companies begin to realize Nollywood's potential.
Emelonye is confident that his movies will soon generate enough box office to persuade banks to back them.
"With that you can raise your standards, get bigger stars from across the world," he says.
Muse highlights include Mark Beech on books, Jeremy Gerard on U.S. theater and Amanda Gordon's Scene Last Night.


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Tropical Fish Keeping - Aquarium fish care and resources (http://www.tropicalfishkeeping.com/forum.php)
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ammano shrimp
i just noticed my ammano shrimp has eggs ive never had anything breed in my tank so i was wondering how long it takes before they hatch and should i take my frogs out and will any other fish eat the baby shrimp?
If it is truly an amano shrimp, the eggs actually must hatch out in salt water to survive. You can google it on the internet, but from what I understand you put the mother in another tank, once she lays the eggs you add salt to the water, and then once the baby shrimp start to grow up you slowly acclimate them to freshwater. I'm jealous, I've been keeping an eye on my amano shrimp but none of them have eggs, Good luck!
after i saw the eggs (they looked like little white balls) i came up and posted this but i havent seen the eggs since. im pretty sure it is an amano but its just the common alae eating shrimp ive had them around 6 months and i only have 2 so i guess i got pretty lucky
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Apps: ReelBean; SoundStudio; Empire at War
ReelBean 2.93 ($15) is a video playback and conversion program that formats files for the iPod and Apple TV. The software also converts files to AVI, MPEG-4 and other formats while supporting more than 50 kinds of audio and video files. ReelBean 2.93 adds bass and treble sliders to the AUdio Controls panel in both the free and Pro version; ReelBean Pro also plays and converts FLV as well as DivX files (with Perian components installed). [Download - 4.6MB] SoundStudio 3.5.1 ($80) records and edits audio on a Mac, allowing users to import tapes as well as vinyl records or record live performances. The software supports applying a variety of effects as well as edits in post-production, and the update is purely devoted to fixes. The update fixes an issue where bad M4A files were written by Split By Markers, and repairs the "Podcast" flag that was accidentally set when saving. The latest release also addresses a crash bug that affected EQ filters. [Download - 14.4MB] Star Wars: Empire at War 1.05 Rev A ($50) puts players in charge of the Empire or the Rebel Alliance within a Star Wars storyline. Players face real-time battles while managing a turn-based galactic campaign. The latest revision adds Pixel Shader 3.0 support, and as a result enables new heat distortion alongside soft-shadowing effects. The latest revision also offers a discernable difference between the Low and Medium water quality settings. [Download - 5.6MB] NoteList 2.2 ($20) compiles miscellaneous notes and merges images with searchable, RTF-formatted text. Users can file notes under keywords and categories for easier retrieval, and the update dynamically synchronizes notes with their categories while also improving the category dialog as a whole. Preferences are usable to set new note characteristics, and NoteList 2.2 eliminates miscellaneous bugs. Mac OS X 10.4 or later is required. [Download - 309KB] TextSoap 5.6 ($30) "cleans up" text on Macs by fixing extra spaces, odd characters, and other stylistic elements that don't belong. Users optionally generate custom cleaning filters or choose one of over 100 pre-made options for a faster remedy. The update allows users to sort the number of custom cleaners by name, and supports sorting plug-ins by whether they are app-specific or based on CMM or AppleScript. The software requires Mac OS X 10.3.9 or later. [Download - 7.3MB] iSale 4.1 ($50) starts, tracks, and manages auctions on eBay. The latest release introduces support for Picasa Web Albums, easing the process and reducing the cost of posting pictures. More buyer details are recorded in Address Book, and the iSale 4.1 makes it easier to group, print, export, or delete multiple auctions. The application also boasts improved stability, requiring Mac OS X 10.4 or higher. [Download - Size Unknown]
Iconfactory releases Renaissance Multimedia
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Briefly: Refurb Nanos $109; 1TB hard drives
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RapidWeaver 3.6 adds snippet manager
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Apple fixes Panther, Tiger vulnerabilities
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Garmin preps improved hiking map units
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Sony demos first full-color, bendable OLED
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Square One home server adds wireless, BitTorrents
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Microsoft lambasted for 'iPod Amnesty Bin'
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Stealth updates high-end mini PC
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DLO ships TransDock Deluxe with IR remote
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ConceptDraw 7 comes to Intel Macs
CS Odessa today has released ConceptDraw 7, the latest revision of its vector drawing and diagramming software package. ConceptDraw 7 runs natively on Intel-based Macs as a Universal Binary, and boasts an enhanced user interface with increased performance. The update adds to its shape libraries and objects found in the "Floor plan" and "Business diagrams" categories, while print mode and document printing setup are completely redesigned to ease document printing. Furt6her improvements include a selection method for measuring units from the ruler, color manipulation using a drop tool, and a new extensive color palette. ConceptDraw 7 is priced at $300 for the professional edition, while upgrades are available for $100 until the end of May.
Vista having little effect on PC sales?
The launch of Windows Vista hasn't created a significant increase in PC sales, according to a new report by In-Stat. The new Microsoft OS is said to have primarily shifted customers' purchases rather than accelerating them, as the reported sales spike was chiefly the result of a backlog of delayed purchases while experienced users waited to receive a preinstalled copy. Few customers actively sought out a Vista PC outside of their normal upgrade patterns. This was attributed in part to the lackluster appeal of the software itself, which hasn't been seen by many as a significant improvement over Windows XP.
New ASUS gaming laptop available for pre-order
A companion to ASUS' newly-released G1S has been put up for pre-order at EXcaliber PC. Despite the name change, the G2S has most of the same specifications as the G1, such as a 2.2GHz Core 2 Duo T7500, and a GeForce 8600M GT card with 256MB of video RAM. The real difference is in the display, which has been expanded to 17 inches, and now supports resolutions up to 1920x1200, surpassing the 1080p threshold.
BlackBerry Curve for AT&T imminent, brings features
RIM's BlackBerry Curve will land on AT&T's network soon, the carrier says through a notification page just posted to its website. Features of the smartphone remain unchanged from its hardware angle and retain the 2-megapixel camera, GPS support, as well as media playback from the reference design. Software will show far more obvious differences, AT&T says. Aside from a new visual theme, the Curve will be the first AT&T-shipped BlackBerry to include the company's Mobile Music Internet streaming service, Media Mall for buying custom ringtones and software, and an enhanced jukebox program that exposes the new features.
Palm to reveal 'third' product next week
Modern cellphones tend to fall into two categories: simple handhelds, which the majority of subscribers own, or smartphones, which verge on the functionality of laptops but are still prohibitively expensive for the average person. Palm co-founder Jeff Hawkins is now saying that its "third" product category, long in development, will have some initial details unveiled next week. Speculation by the writers of Brighthand suggests that Palm may be venturing into UMPC territory, but with a special emphasis on connectivity, combining Wi-Fi and Bluetooth with cellular access. Other suggestions include a mini-tablet, a clamshell PDA, or possibly a direct competitor to the iPhone. The device could also be a candidate for Palm's new Linux-based OS, which is set to launch by the end of 2007.
Apple triples industry notebook sales growth in April
Apple continues to dramatically outpace the industry in retail notebook sales, while iPod sales appear to be slowing, according to sales numbers from April. New research from NPD Group indicates that PC unit growth in April of 2007 rose 14 percent year-over-year, while notebook sales grew even faster -- rising 30 percent over the same period. Apple, however still managed to more than triple the industry growth by growing its retail Mac units 62 percent year-over-year this month and delivering a whopping 94 percent increase in retail notebook sales over the same period.
Wal-Mart confirms, clarifies Dell PC deal
Claims that Wal-Mart will start selling Dell PCs are partially true, the large retail chain has confirmed today. Although the actual release date of the new systems is set for June rather than late May, distribution of the E521 desktop will actually be larger than expected, reaching a total 3,500 shops across both the US and Canada. The systems on offer would also be faster than the $359 baseline system available today, Wal-Mart says. Two models should be available and will include at least one mid-range system priced below $700.
Google vying to become a cellphone carrier?
Although rumors of Google creating its own cellphone have largely been dismissed, the company could be making a move which may put it in an even larger role in the industry, writes IDG News. The Federal Communications Commission is holding an auction for the 700MHz wireless band next year, and Google is contemplating participating. "We have not ruled in or out participating in the auction as a licensee," comments Google counsel Richard Whitt.
Apple, labels slapped with class action suit
A small record label has filed a class action lawsuit against Apple and other digital music stores as well as the major record labels that carry its catalog of tracks. Dawg Music, which is run by bluegrass musician David Grisman and his partner Craig Miller, claims that entities carrying Grisman's musical tracks are knowingly selling his works with poor or nonexistent compensation without his consent. Represented by Strange and Carpenter from the Law Offices of Jeffry L. Graubart, the suit makes a two-part complaint implicating both labels and their online digital retail partners. The complaint states that Universal and Warner have neglected Daw Music's copyrights and royalties when signing deals with online stores -- including Apple's iTunes service.
Sony-Ericsson backs WiMAX
Sony-Ericsson today announced that it had joined the WiMAX Forum, a group of companies committed to the still new wireless Internet standard. The move gives the cellphone maker inside access to the format and is likely to indicate the company's approval of the standard for its future devices. No hardware has been announced by but is likely to include notebook cards and smartphones that could take advantage of the extra speed. Today's entrance is primarily an attempt to "understand the technology and the opportunities" in the market before jumping in, Sony-Ericsson says.
PDG offers Mac evidence recovery training
Phoenix Data Group is offering training in the recovery of digital evidence from Mac computers which wil allow an examiner to walk away with the skills necessary to properly seize, acquire, analyze, and document an examination of an Intel-based Mac in a forensically sound manner. PDG instructors are IACIS Certified Forensic Computer Examiners and have real world experience in both law enforcement as well as corporate environments. Additional instruction is provided on the forensic seizure and examination of iPods, with classes scheduled in Fredericksburg, VA from August 13-17th and Santa Ana, CA from September 24-28th. Classes for law enforcement or government is $1,600, while corporate classes are available for $1,900.
Blu-Ray, HD DVD copying to become legal soon
Owners of newer HD-capable movie discs may soon have the right to make copies of their discs, according to a spokesman from the licensing agency handling the copy protection scheme. Michael Ayers of the AACS (Advanced Access Content System) group notes that a new change in the encryption method, dubbed "managed copy," should let buyers burn or rip Blu-Ray and HD DVD discs in a controlled method. Similar to iTunes and other online stores, the files would require a device with Internet access to authorize copies before they can be played. This would allow backups and transfers to other devices while still giving the content creator control over how many copies could be produced.
Pink KRZR finally makes its debut
While originally pegged to be released in advance of Mother's Day, the pink KRZR is now set to make an appearance at Carphone Warehouse in June. A temporary exclusive to the British retailer, the phone should otherwise be unchanged, centering on Bluetooth, MP3 playback and a two-megapixel camera. It will be available in limited quantities, and cost �100 ($199) as a pre-paid phone, or free on a contract. [via Shiny Shiny]
Intellihance Pro supports CS3, Intel Macs
OnOne Software has released Intellihance Pro 4.2, an update to the intelligent image enhancement software that adds native support for Adobe Photoshop CS3 as well as Intel-based Macs. The latest release improves the Intelligent Adjustment engine and built-in presets to work better with modern digital camera images, and to provide more flexibility with better results. Intellihance Pro 4.2 also includes new "Show Me HOw" video tutorials to help users make full use of the software, and incorporates automatic update checks to ensure the application is always up to date. Intellihance Pro 4.2 is priced at $160, with upgrades available for $70. The software requires Mac OS X 10.4.8 or later.
Samsung confirms 3G mid-range phone duo
Samsung's Anycall label today launched a pair of phones tailored for faster wireless without driving prices up through extra features. The company is first confirming the W2700 (pictured at middle), also known as the W270; the device includes an HSDPA modem for connecting at broadband-level speeds and includes a front camera for video calls, but uses a relatively modest 1.3-megapixel camera and a small external OLED display for checking caller ID. Software is nonetheless strong, according to Samsung, with the industry-standard backed up by support for Microsoft Office files and a dictionary. It should be available now in Korea for $430 as a stand-alone device in black or white, but may appear in a US equivalent in coming months.
Dell PCs to reach Wal-Mart shops soon
Dell will start selling its PCs in retail stores very soon, says Current Analysis head researcher Samir Bhavnani. The expert notes that the system builder should start offering a single model, the AMD-based Dimension E521, in over 3,000 Wal-Mart stores in the US. The offering should represent the first-ever instance that visitors to retail stores will not only be able to try the systems but buy them directly. This is a long overdue change, according to Bhavnani.
ToughTech XE mini drive case offers eSATA
WiebeTech has added a new pocket drive to its lineup of portable enclosures. The ToughTech XE mini is a portable quad-interface enclosure that features both eSATA and USB2 connections within a single port. Like the ToughTech min, the ToughTech XE mini (TTXEM) accepts any 2.5-inch SATA drive and has the fast Oxford 924 chipset for dual FireWire 800, FireWire 400 (using the included converter cable) and USB2 connection. However, the ToughTech XE mini also features a combo eSATA/USB2 port capable of transfer speeds up to 150MB/s. WiebeTech also includes all cables necessary to plug and play with any of the four connection types as well as an AC adapter. The bare ToughTech XE mini drive case is available for $120 or can be configured with up to 160GB in storage using a 2.5-inch SATA drive. It will be available to ship on June 1 for $120 (drive-only), $222 (80GB), $302 (100GB), $260 (120GB), $274 (160GB).
iPhone driving touchscreen sales?
The as yet unreleased iPhone will be instrumental to the touchscreen market in 2007, according to the Taiwan-based Topology Research Institute. The study claims that Apple's device will help make the touch-sensitive panels an increasingly popular choice with other cellphone makers, many of whom still rely on physically driven controls. The California company's influence should help boost the total business to as much as $2.7 billion, TRI says, though the institution didn't indicate what percentage of the business would be controlled by the 3.5-inch widescreen central to the iPhone.
Dell intros first home Linux PCs
Fulfilling a promise made in March, Dell today at last took the wraps off of its first three systems built for everyday users with preinstalled Ubuntu Linux. The Texas PC maker has expanded on earlier details and confirms that the two deskops and one notebook seeing the new option will be less expensive overall than their Windows counterparts thanks to the lack of Windows licensing; the company also promises full hardware support from any service outlet alongside software help from Ubuntu's developer Canonical.
Sony's iPod-ready 5.1 micro home theater system
Sony today introduced the DAV-IS10 micro home theater system, a 5.1 channel home-theater-in-a-box system that features five tiny speakers -- each about the size of a golf ball. The system, matched with a compact, single disc DVD/CD player/receiver, includes a unique subwoofer that helps the tiny speakers create sounds typically reserved for full size speakers, the company said. It features 450 watts of total system power, including five 50-watt satellite speakers and a two 2-way subwoofer (100W each channel). The system is specially tuned to deliver a natural sound field that takes the focus off the subwoofer while supplementing mid range and lower frequencies, Sony claims. The DAV-IS10 system will be available in July for about $800.
Report: Apple will surpass IBM in 2 years
Apple will surpass IBM in terms of market capitalization in the next two years, according to one analyst. Calling IBM and Apple two of America's best run companies, a BloggingStocks.com report says that both companies have achieved high levels of success--rewaring shareholders have along the way, but that both are in different parts of their growth cycle. Apple, in a growth phase, will surpass the industry giant, emerging as the winner going forward: "In fact, I'm sure Apple will overtake IBM in value over the next two years. Bottom line: Apple will be bigger than IBM.... Apple will be a bigger company than IBM in terms of market capitalization. As of this writing Apple is just about to hit $100 billion in market cap while IBM is at $158 billion. The direction of both companies are at a variance to each other and Apple is certainly enjoying the strength of a major product cycle."
Now AAPL Stock: 136.7 ( -0.41 )
Cirrus creates Lightning-headphone dev kit
Apple supplier Cirrus Logic has introduced a MFi-compliant new development kit for companies interested in using Cirrus' chips to create Lightning-based headphones, which -- regardless of whether rumors about Apple dropping the analog headphone jack in its iPhone this fall -- can offer advantages to music-loving iOS device users. The kit mentions some of the advantages of an all-digital headset or headphone connector, including higher-bitrate support, a more customizable experience, and support for power and data transfer into headphone hardware. Several companies already make Lightning headphones, and Apple has supported the concept since June 2014. http://bit.ly/29giiZj
Apple Store app offers Procreate Pocket
The Apple Store app for iPhone, which periodically rewards users with free app gifts, is now offering the iPhone "Pocket" version of drawing app Procreate for those who have the free Apple Store app until July 28. Users who have redeemed the offer by navigating to the "Stores" tab of the app and swiping past the "iPhone Upgrade Program" banner to the "Procreate" banner have noted that only the limited Pocket (iPhone) version of the app is available free, even if the Apple Store app is installed and the offer redeemed on an iPad. The Pocket version currently sells for $3 on the iOS App Store. [32.4MB]
Porsche adds CarPlay to 2017 Panamera
Porsche has added a fifth model of vehicle to its CarPlay-supported lineup, announcing that the 2017 Panamera -- which will arrive in the US in January -- will include Apple's infotainment technology, and be seen on a giant 12.3-inch touchscreen as part of an all-new Porsche Communication Management system. The luxury sedan starts at $99,900 for the 4S model, and scales up to the Panamera Turbo, which sells for $146,900. Other vehicles that currently support CarPlay include the 2016 911 and the 2017 models of Macan, 718 Boxster, and 718 Cayman. The company did not mention support for Google's corresponding Android Auto in its announcement. http://bit.ly/295ZQ94
Apple employees testing wheelchair features
New features included in the forthcoming watchOS 3 are being tested by Apple retail store employees, including a new activity-tracking feature that has been designed with wheelchair users in mind. The move is slightly unusual in that, while retail employees have previously been used to test pre-release versions of OS X and iOS, this marks the first time they've been included in the otherwise developer-only watchOS betas. The company is said to have gone to great lengths to modify the activity tracker for wheelchair users, including changing the "time to stand" notification to "time to roll" and including two wheelchair-centric workout apps. http://bit.ly/2955JDa
SanDisk reveals two 256GB microSDXC cards
SanDisk has introduced two 256GB microSDXC cards. Arriving in August for $150, the Ultra microSDXC UHS-I Premium Edition card offers transfer speeds of up to 95MB/s for reading data. The Extreme microSDXC UHS-I card can read at a fast 100MB/s and write at up to 90MB/s, and will be shipping sometime in the fourth quarter for $200. http://bit.ly/294Q1If
Apple's third-quarter results due July 26
Apple has advised it will be issuing its third-quarter results on July 26, with a conference call to answer investor and analyst queries about the earnings set to take place later that day. The stream of the call will go live at 2pm PT (5pm ET) via Apple's investor site, with the results themselves expected to be released roughly 30 minutes before the call commences. Apple's guidance for the quarter put revenue at between $41 billion and $43 billion. http://apple.co/1oi1Pbm
Twitter stickers slowly roll out to users
Twitter has introduced "stickers," allowing users to add extra graphical elements to their photos before uploading them to the micro-blogging service. A library of hundreds of accessories, props, and emoji will be available to use as stickers, which can be resized, rotated, and placed anywhere on the photograph. Images with stickers will also become searchable with viewers able to select a sticker to see how others use the same graphic in their own posts. Twitter advises stickers will be rolling out to users over the next few weeks, and will work on both the mobile apps and through the browser. http://bit.ly/29bbwUE


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Are children of 8 years old allowed on the cruise and if so are there any children's discount's for the tour?
Irina Y. asked on Jul 18, 2013
Children are welcome! Kids 5 and under are admitted free. The Groupon price of $27 is the same for anyone over the age of 5.
Brette V. from Groupon replied on Jul 18, 2013


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Spider-Man Snowglobe Tumbler with Straw
now $5.00
reg. $7.95, you save: 37%
Sipper Hero
Spidey's acrylic sipper cup with straw has a webslinger snowglobe built right into the base for a power-packed punch at every meal! See more
It's added to your bag!
within 50 miles of 20149
Magic in the details...
- A small Spider-Man figurine surfs through the snowglobe base. Shake to see a shower of sparkles surround him
- Spidey screen art
- Twist-tight lid
- Attached straw with flexible sipper and coiled interior
- BPA free
The bare necessities
- Ages 3+
- Wash thoroughly before first use
- Hand wash only
- Not dishwasher or microwave safe
- Designed for cold liquids only
- Plastic
- Holds 8 oz.
- 7'' H x 3 1/4'' Diameter (not including straw)
- Imported
Most items ordered via Standard Delivery will arrive within 5-7 business days, personalized items within 7-9 business days. Exceptions include items shipped from locations other than our main warehouse. Express Delivery is available for an extra charge.


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Any Facebook newcomer will tell you: the site can be awfully confusing. What is "poking"? Why should you give people virtual gifts? And should you accept friend requests from people you don't know?
These questions and more are addressed in Dave Awl's Facebook Me: A Guide to Having Fun with Your Friends and Promoting Your Projects on Facebook. Mainly aimed at first-time Facebook users, the guide does provide some tips for experienced members as well. Awl's humorous tone keeps readers interested — for example, a sidebar article is titled "Why Send Someone A Picture of A Cupcake?" However, the advice he gives is solid and straightforward. When receiving a friend request from someone you don't know, Awl explains, investigate which friends you may have in common as well as groups and network memberships. The author stresses that users are not obligated to accept every friend request, virtual gift, or application invitation — the control lies completely within the individual.
Awl also addresses another important topic: Facebook etiquette. The sidebar "The Fine Art of Not Being Obnoxious" advises against inundating friends with various requests or simply spamming people with advertisements promoting your work. Other cyber "Miss Manners" issues addressed include whether to accept your boss's friend request, how to politely ask friends to stop sending annoying application invitations, and how to request that users not post offensive material on your Facebook page.
The manual is organized in a clear, easy-to-use manner: chapters include Facebook's basic structure, introductions to applications, page setups, privacy settings, groups, mobile applications, and groups. Differences between "notifications" and "updates" are clearly explained, and descriptions of the wall, publisher bar, and editing menus apply to both new and experienced users. Full-color screenshots illustrate various aspects, with Awl providing directions on how to change profile pictures, notification settings, and how to post a video or photo.
While these issues may seem basic for experienced users, Awl does not neglect the more seasoned audience. He offers tips on how to promote your projects on Facebook, including whether to set up a page, profile, or group. Looking for unique birthday "gifts" to send to friends? Awl suggests YouTube clips and other virtual gifts that can be overlooked. Keeping up with various friends' updates can be overwhelming, but the book contains tips on how to organize your friends into various lists. Even those interested in posting paid ads will find useful information in Facebook Me.
Although the manual's layout allows for easy reference, one element that could be improved is the sidebars. Many pages contain brief tips, notes, and warnings which are quite useful — many tips include shortcuts, while the notes provide additional information about a particular application or feature. But the introduction does not include a key to the corresponding symbols — for example, one symbol resembles iTunes's podcast icon. What does that signify? A brief explanation of the symbols, their meanings, and the differences between tips, notes, warnings, and the catch-all podcast icon would have better clarified the supplementary material.
Otherwise, Facebook Me serves as an essential guide for newcomers, and as a refresher course for seasoned Facebook members. Both audiences should find information relevant to them — those who consider themselves "pros" will be surprised by lesser-known tricks and tips Awl's likable persona makes for enjoyable reading, as if a patient friend were sitting next to you, explaining the sites' various quirks. Perhaps a more apt title of Facebook Me would be Everything You Wanted to Know About Facebook, But Were Afraid to Ask.Powered by Sidelines


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Feel free to like my Facebook page for updates - http://www.facebook.com/pages/IMikeTy... Mike Tyson knocks out Sammy Scaff in the first round of their bout on December 6th, 1985. I DO NOT own this video, all rights go to the owners, I make NON PROFITABLE videos. For entertainment purposes only.
2013 US SUMO OPEN - SUMO SLAM (Byamba vs. Kelly) - Official Video
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DMER Gujarat Assistant Professor Jobs Details 2017 - Last Date 2 Dec 2016 (Interview)DMER Gujarat Assistant Professor recruitment has arrived. Read this post to apply in this recruitment. DMER Gujarat Assistant Professor in the recruitment, candidate of the country can apply. The deadline to apply to the recruitment of DMER Gujarat - 2 Dec 2016 (Interview). DMER Gujarat Assistant Professor recruit must have pass to Degree Diploma to apply. DMER Gujarat Assistant Professor are being taken for recruiting 33 posts.
Written examination date has not yet come. The complete schedule on the date of the written test will be reported. To visit you everyday. The written test will be how? What kind of questions are optional objective?
Written Exam Date - Update Soon
DMER Gujarat Assistant Professor Recruitment 2017
DMER Gujarat Assistant Professor Recruitment 2017
Post Name
Assistant Professor
DMER Gujarat
Total Posts
Degree Diploma
Last Date
2 Dec 2016 (Interview)
Official Website
DMER Gujarat Department Name - This recruitment is done by DMER Gujarat. For information on upcoming recruitment of DMER Gujarat on Gktricks.in to visit. DMER Gujarat will be many recruited in 2017. You will notice that time to time via our website.
Gktricks Notice - Before applying any of the department's recruitment, the notification must read the official site
Post Names - Assistant Professor
Details Of Total Posts - 33 Posts
Note : Allocation of posts is based on caste. The last details of the post for which you do not forget to download.
>>>Not Happy With This Job - Click Here To Search More Similar Jobs <<<
Required Education For DMER Gujarat Assistant Professor Recruitment - DMER Gujarat Assistant Professor recruitment of academic qualifications would be required to join? This question will be in all the candidates too.If you want to join the recruitment, Degree Diploma qualification must have.For more information see the official notification. Below is the official notification.
DMER Gujarat Assistant Professor Age Details - DMER Gujarat recruitment should be the age limit to join in? The details of the information you read well. According to our information, the maximum age limit for recruitment to join is 40 years. Have a reservation at the age of different castes. This information is updated below. We mentioned above that of the general age limit. Which is the maximum age limit.
DMER Gujarat Assistant Professor Recruitment Fees Details - Must read the official notification for information on fees. Candidates who receive a discount on age,important to keep your certificate. The fees above General / ST / SC / OBC classes is different. Complete information are given below in related fees.
>>>Top 10 Interview Tips For Any Government & Private Jobs 2017<<<
Walk In Interview – Update Soon
DMER Gujarat will recruit to join the interview? Interview Tips sure you read above. Selection will be by interview of DMER Gujarat.Use our website to see the results of interviews.Which is created by a few of our interview tips given above. For more information read our old posts.
DMER Gujarat Selection Process - According to government regulations. See the details below.
Salary Information -
How much would you pay? Grade Pay What? By the way information above is provided. On the basis of academic ability and grade level, receive different salaries.
DMER Gujarat Admit Card 2017 | DMER Gujarat Result 2017DMER Gujarat Assistant Professor Admit Cards And Results - 10-15 days before the exam admit card will be announced. Which can be downloaded by visiting the official website. The recruitment of the "Result & Admit Card" to visit everyday on Gktricks.in
DMER Gujarat Watch Result Online - View results online? The test results you can see online, mobile and laptop. Given below for which you have to understand the process carefully. Written test or interview results are expected within 30 days. We will give you notification on the results. Stay connected with gktricks.
- Your mobile / laptop must have an Internet connection.
- Open Your Mobile Browser Like (Chrome, Mozilla And etc)
- Open to the official website of DMER Gujarat.
- Go to result section (DMER Gujarat Result)
- Put Your Roll number and press OK
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- Do not forget to print out the results. It will work in the future.
Some useful topics is given below. Which is concerned with the recruitment. Official details are given below. Last date to apply before. Subscribe us to know about the future DMER Gujarat Recruitment 2017.
- DMER Gujarat Assistant Professor Last Date Details- 2 Dec 2016 (Interview)
- DMER Gujarat Job Location Details- All India
- DMER Gujarat Assistant Professor Recruitment Details 2017 - Click Here - Download


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Linzer Torte
|2 Cup (32 tbs)
|1 Pinch
|Ground cinnamon
|1⁄2 Teaspoon
|1⁄2 Cup (8 tbs)
|1⁄2 Cup (8 tbs)
|Egg yolk
|1 , rind grated
|Unblanched almonds
|2⁄3 Cup (10.67 tbs), ground
|For filling
|Fresh raspberries/2 packages frozen raspberries, drained
|1 Quart
|To Taste (for fresh raspberries)
|For finishing
|Red currant jelly glaze/Raspberry jelly glaze
|1 Cup (16 tbs)
Method If using frozen raspberries, drain thoroughly by standing them in a nylon strainer for at least 15 minutes.
In a saucepan bring raspberries rapidly to a boil, adding sugar to taste to fresh ones, and cook 2-3 minutes.
Sift flour with salt and cinnamon onto a board or marble slab.
Make a well in the center and add butter, sugar, eggs and lemon rind.
Sprinkle ground almonds on the flour.
Work these ingred ents together into a smooth dough and chill 1 hour.
Set oven at moderately hot (375°F).
Roll out dough to 1/4-3/8, inch thickness and line flan ring, keeping the trimmings.
Fill with cold raspberry mixture.
Arrange a lattice of strips made from the trimmings across top and bake in preheated oven for 25 minutes, or until pastry is beginning to brown.
Cool and brush the torte with red currant or raspberry jelly glaze.
Rate It
Nutrition Rank
Nutrition Facts
Serving size
Calories 1009 Calories from Fat 338
% Daily Value*
Total Fat 39 g60%
Saturated Fat 16.2 g81.2%
Trans Fat 0 g
Cholesterol 159.6 mg53.2%
Sodium 90.7 mg3.8%
Total Carbohydrates 154 g51.2%
Dietary Fiber 21 g83.9%
Sugars 81.9 g
Protein 17 g33.9%
Vitamin A 18% Vitamin C 121.9%
Calcium 16.5% Iron 32.8%
*Based on a 2000 Calorie diet


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VBlog46 Back from Vacation, TK's 3.8 GDI Turbo kit, WM install, Precision 6266 install/tune
Something we've been meaning to do to keep showing personal side/weekly updates going around the shop. It's very casual type of Vblog that will be putting out every week. We will try to make something informative and fun to watch. Any trolling or fighting with other users will not be allowed in this channel. If this video isn't something for you please do not waste your time and get off the channel.
Hyundai Genesis 2.0t Evo X Turbo Kit Installed
Here is the new turbo kit from Synapse Engineering for the Hyundai Genesis. It uses a Stock EVO X turbine and is a bolt on kit for the Hyundai Genesis Coupe 2.0t
Incredible 1000 HP Hyundai Genesis Coupe by Bisimoto Engineering
This highly modified Genesis coupe takes on the half-mile for the first time. Careful because this Genesis does bite back, watch and find out why.
Will It Drift? - Hyundai Genesis TURBO
Huge thanks to Jordan for letting us rip the genesis today, we all had a blast filming with this car and we will definetly be revisiting it in the future. Check out Jordan's Youtube channel here : https://www.youtube.com/user/The907Films Check out autoshifts here : http://www.autoshifts.com/