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Sunday, February 26, 2012
Why Can't I Share This Awesome List of Movies On Netflix? [NetFlix]
Saturday, February 25, 2012
Apple CEO: Company Has More Money Than We Actually Need
Apple CEO, Tim Cook, recently stated that Apple has much more amount of money than the company requires.
The next issue on the CEO's agenda is the deliberation of whether they should continue with the strategy upheld by the late Steve Jobs or to just use the $98 billion sitting in Apple's bank account as a method of paying the shareholders their respective dividend for 2012.
At the annual shareholders' meeting held last Thursday, Cook hinted that the company board had almost reached a conclusion concerning the aforementioned issue.
Cook informed the board as well as the management that they were contemplating the matter: "This isn't a case where 100 per cent of people are going to agree with what we do," reported USA Today.
Even though past records show that Apple stopped paying their shareholders back in 1995, Cook now feels that Apple has more money than they truly need.
During the meeting the company received some valuable advice, with one proposal suggesting not to pay shareholders for their dividends every quarter and instead give them a one off annual payment. The company is yet to make a final decision and it seems they are near enough ready to share their profit with the shareholders on a more practical basis.
Source: http://feedproxy.google.com/~r/itproportal/rss/~3/FBZ3uXZjOAc/
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Friday, February 24, 2012
APNewsBreak: Feds spend $50 million on carp fight (AP)
[unable to retrieve full-text content]AP - The Obama administration will spend about $50 million this year to shield the Great Lakes from greedy Asian carp, including first-time water sampling to determine whether the destructive fish have established a foothold in Lakes Michigan and Erie, officials said Thursday.
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Buy Real Estate With No Money Down | Chan Wittaya
Anyone can buy real estate with no money down. All you have to do is offer a high enough price and make sure the seller gets some cash at closing (but not yours). Do that and someone will say yes to your offer. The problem, of course, is that just getting real estate without spending your own cash isn?t all you want. You also want a deal that makes sense.
This tends to be glossed over by many who promote zero-down ways to buy real estate. If you are buying a home for yourself, so what if you get in with nothing down. You also want to be sure that it makes more sense than the alternatives (renting, waiting, lease-option, etc.). If you are investing in real estate, you want a property that will have cash flow or can be sold for a profit. With those criteria in mind, here are a few ways to do it without your own money.
No Money Down ? Starting With Land
One of the easiest types of real estate to buy with nothing down is land or small lots. In many areas of the country it is common for sellers to sell these properties with a small down payment or none at all. Of course, one of the reasons they do this is because it is an easy way to get more for the land. I once bought a piece of land for cash and resold it in weeks for 30% more, because a lot of buyers could afford my terms: $250 down and $100 per month. So be sure that you are not paying too much.
?Too much? doesn?t necessarily mean paying a lot over ?market value? however. It is determined by what you will do with the property. For example, if you have no other way to buy a small lot, and as a result of the easy terms offered by the seller you pay $12,000 for a lot worth just $9,000, is that too much? Not if you will later put a modular on it and make a $21,000 profit selling the package.
Now you might notice that many of the lots and parcels of land for sale are not offered with no down payment. Most sellers will at least want something at closing, even if it is only $1,000 down on an $8,000 lot. So how do these become ?nothing down? deals? By borrowing for the down payment. In the above example, where you eventually make $21,000, what if you borrowed the down payment on a credit card at 18% interest, and it took a year to do the deal? Then you would make $210 less ($30 cash advance fee and $180 interest), or just $20,790 profit.
Land is also a way to get into a home with no money down. When you buy real estate this way, you can pay for the lot over a few years, and then use it as the equity necessary to get a home loan. many banks will loan you the money for a modular or stick-built home if you already own the land free and clear.
100% Financing
If you have a good credit score, you might still be able to get a 100% mortgage loan. They are getting less common now (late 2007), but I still see an occasional advertisement for them. Alternately, you might find a lender who will loan 90% and still let the seller finance the other 10% on a second mortgage, meaning none of your cash is necessary.
If you are investing in real estate, you might get 100% financing from a ?hard money? lender. These lenders charge high fees and high interest, but the idea is that you use them for high -profit deals that make it worth it. Other investors may put up the money for the down payment and repair costs on a fixer upper project, if you find the right deals. This can be at a high interest rate, or for a share of the profits.
Buy Real Estate From Motivated Sellers
If you stick to properties that have highly motivated sellers, there is usually a way to buy with no money down. For example, a seller might sell his $90,000 house to you with only $3,000 down if you offer him $95,000 and a good interest rate. You can borrow the $3,000 of course (or even a little more to cover closing costs, if you want nothing at all into the deal).
Sellers have been known to take cars or other pieces of property as a down payment. They may let you buy with two mortgage notes, one for 20% and the other for 80%, one of which they?ll immediately sell to get the cash they want. To buy real estate with no money down, just look for a way to get the seller (and the lender, if necessary) what he needs ? without using your cash.
Source: http://www.chanwittaya.net/real-estate/buy-real-estate-with-no-money-down
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Thursday, February 23, 2012
Romney calls for 20 percent income tax cuts (AP)
[unable to retrieve full-text content]
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Elephants in Arabia? Scientists find prehistoric footprints.
The fossilized gigantic footprints detected in the Arabian dessert belong to a herd of elephants, scientists say.? The seven-million-year-old discovery marks the world?s oldest evidence on how these ancient mammals lived.??
The world's oldest elephant tracks have now been revealed, 7-million-year-old footprints in the Arabian Desert, researchers say.
Skip to next paragraphThese prehistoric footsteps, likely the work of some 13 four-tusked elephant ancestors, are the earliest direct evidence of how the?ancestors of modern elephants?interacted socially, and the oldest evidence of an elephant herd.
"Basically, this is fossilized behavior," said researcher Faysal Bibi, a vertebrate paleontologist at the Museum for Natural History in Berlin. "This is an absolutely unique site, a really rare opportunity in the fossil record that lets you see animal behavior in a way you couldn't otherwise do with bones or teeth."
The site, known as Mleisa 1, is in the United Arab Emirates. The region then was home to a great diversity of animals, including elephants,?hippopotamuses, antelopes, giraffes, pigs, monkeys, rodents, small and large carnivores, ostriches, turtles, crocodiles and fish. These were sustained by a very large river flowing slowly through the area, along which flourished vegetation, including large trees. The animals resembled those from Africa during the same time, though there are also similarities with Asian and European species of that period.?
Are you scientifically literate? Take our quiz!
Fossil trackways in the region have been long known to locals, and were taken to be the prints of dinosaurs or?giants of ancient myth. It was not until January 2011, when researchers mapped the area from the air for the first time, "that we realized what we had and how we could go about studying it," Bibi said. [The Creatures of Cryptozoology]
"Once we saw it aerially, it became a much different and clearer story," said researcher Brian Kraatz at Western University of Health Sciences in Pomona, Calif. "Seeing the whole site in one shot meant we could finally understand what was happening."
The footprints cover an area of 12.3 acres (5 hectares). This is about equal to nine U.S. football fields, seven soccer fields, or the base of the Great Pyramid of Giza.
"The trackways are visually stunning," said researcher Andrew Hill at the University of Poitiers in France. "It is quite obvious to anyone, without any technical knowledge, that these are the?footprints of very large animals, and to learn that they are over 6 million years old presents a visitor with the sensation of walking back in time."
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Wednesday, February 22, 2012
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Posted on | February 22, 2012 | No Comments
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