Mortgage Activity Declines in All Categories to Start November

first_img Adjustable-Rate Mortgage Agents & Brokers Attorneys & Title Companies FHA Investors Lenders & Servicers Mortgage Applications Refinance Service Providers 2012-11-06 Krista Franks Brock in Data, Origination, Servicing Mortgage activity was down across the board last week, dropping 11 percent from the previous week and by almost one-third from the same week last year, according to the _U.S. Mortgage Market Index_ from “”Mortech Inc.””:http://mortech.com/ and “”_Mortgage Daily._””:http://www.mortgagedaily.com/[IMAGE]The biggest drop over the week ending November 2 was among adjustable-rate mortgages (ARMs), while the smallest decline was seen among purchase financing inquiries. [COLUMN_BREAK]ARMs were down 19.5 percent from the previous week and almost 75 percent from a year ago. Purchase price finance inquiries were down 10.8 percent over the week, the smallest decline for the week. However, purchase activity is still significantly lower than this time last year. Current purchase rates are a little more than half of what was recorded this time last year. Federal Housing Administration (FHA) loans loans fell in line with a 10.9 percent decline.Compared to last year, FHA loans are down 29.3 percent. However, their market share is on par with last year’s. FHA loans made up 10.3 percent of loans last week, while last year they made up 10 percent. Conventional mortgages were down 11 percent and down about a third from last year. Refinances declined 11.1 percent but made up about the same percentage of mortgage activity as the previous week–74.6 percent. Jumbo mortgages saw the second-highest activity decline last week, falling 14.7 percent, even as the jumbo-conforming spread narrowed from 67 basis points to 63 basis points for the week ending November 2. November 6, 2012 444 Views center_img Share Mortgage Activity Declines in All Categories to Start Novemberlast_img read more

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first_img Comments   Share   Top Stories Cardinals expect improving Murphy to contribute right away *I can’t believe I’m about to write this*Levi Brown gets a bad rap.Taken by the Cardinals with the fifth pick in the 2007 NFLDraft, the offensive lineman has at best adequate, and atworst…well…Levi Brown.Sure, he has not missed a game since his rookie season,starting all 16 (plus playoffs) every year since 2008. Andyes, at 28, he’s in the midst of his prime, a player whoshould not see a significant drop off in play anytimesoon. Still, there are plenty offans who feel the team bringing Brown back was amistake on par with drafting him in the first place.After all, why continue on with a player who, with everyfalse start or blown pass protection, reminds us that theteam passed on some guy named Adrian Peterson? Well, because it was the right thing to do.While Brown is not an elite left tackle like Joe Thomas,Jake Long or Joe Staley, he is a player who hasstarted for two playoff teams – one of which reached theSuper Bowl. Of course, he did so as a right tackle, which is where theteam is rumored to be moving him back to this year. Canthe team find a better left tackle either through thedraft or what’s left in free agency? One would hope so,but at least the team is not left looking to fill bothtackle spots. That is how a team backs itself into a corner. That is howa team drafts Levi Brown in the first place.center_img What an MLB source said about the D-backs’ trade haul for Greinke D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ Nevada officials reach out to D-backs on potential relocationlast_img read more

Google has launched a new design for YouTube offe

first_imgGoogle has launched a new design for YouTube, offering  viewers access to a range of channels and personalised recommendations as it prepares to transform itself into something more akin to a TV platform. Visitors to the site now see a customisable choice of channels down the left side of the screen. They can immediately sign in, browse recommended channels and create a YouTube account that can then be linked to Google Plus and Facebook to see what their friends are sharing.The overall design of the site has been simplified, based on the Cosmic Panda design unveiled in July, with a consistent grey background, video thumbnails and a more streamlined watch page. The YouTube logo has also been changed to become more in line with other Google services.The move comes as YouTube is preparing to deliver more original professional content produced by the likes of Madonna, Jay-Z, Ashton Kutchner and CSI creator Anthony Zuiker. YouTube is also reportedly considering a new revenue model that allows viewers to skip ads, with advertisers only paying for those video clips that are watched.last_img read more

TelefonicaMovistars average internet speed dropp

first_imgTelefonica-Movistar’s average internet speed dropped from 2.60 Mbps in March to 2.25 Mbps in April, according to Netflix’s latest ISP Speed Index.According to the report, Telefonica-Movistar was the lowest-ranked internet service provider in Spain by speed, while Telecable retained its place at the top of the rankings with speeds of 3.76Mbps.Vodafone was the second-fastest ISP in Spain with speeds of 3.73Mbps, followed by Orange which climbed two places in the rankings to 3.70Mbps. Ono came fourth and Euskaltel fell two places in the rankings to fifth.Overall, in April, Switzerland offered the highest average ISP speed at 4.28Mbps. Quickline was the fastest provider in Switzerland with speeds of 4.37 Mbps, overtaking ImproWare, which came second with speeds of 4.35 Mbps.The other top ranking countries by average web speeds were Belgium at 4.1Mbps, the Netherlands at 4.07Mbps, Luxembourg at 3.99Mbps and Austria at 3.92Mbps. The top-ranked ISPs in these countries were Proximus, ZIggo, Tango and Liwest respectively.The Netflix ISP Speed Index is a measure of primetime Netflix performance on a particular ISP and not a measure of overall performance for other services and data that may travel across the specific ISP network.last_img read more

Read This LongLost Interview With Charlie Murphy

first_img 8 min read Opinions expressed by Entrepreneur contributors are their own. The beloved TV icon died at the age of 57 on Wednesday. Image credit: Jeff Kravitz | Getty Images April 13, 2017 2019 Entrepreneur 360 List Next Article Bill Schulz Read This Long-Lost Interview With Charlie Murphy Contributor Project Grow The only list that measures privately-held company performance across multiple dimensions—not just revenue. –shares Charlie Murphy died after a long battle with Leukemia at the heartbreaking age of 57-years-young. The actor became someone so much more than “Eddie’s younger brother” in 2004, when Dave Chappelle began airing “Charlie Murphy’s True Hollywood Stories” on his industry-annihilating Comedy Central show. The pair of R-rated tales detailed his first-person accounts of rubbing shoulders with the likes of two other dearly departed luminaries in the form of Prince, and Rick James, during the New York native’s days as his broheim’s bodyguard.  In 2006, I had the pleasure of interviewing the most mercurial of Murphys for a long dead publication who blasphemously ran very little of Charlie’s many life lessons. The following is, at long last, an uncensored look inside the mind of a man whose currently eating pancakes with His Purpleness, atop the bleachers of heaven’s most exclusive basketball court.  Bill Schulz: You’re currently filming the horror movie Unearthed in Utah. Are you, like, the one black man in the state right now? Charlie Murphy: Now there’s some black people here because of what happened in New Orleans but, other than that, there’s very few. If you like city life don’t move here. This place is like slow motion. Related:  ‘The Godfather’ Trilogy’s Greatest Quotes for EntrepreneursGot any particularly embarrassing duds in your closet from back in the day?  I had a satin roller-skating jacket and, now that I’ve just told you about it, I’m gonna have to burn it. I think the jacket is one of the remnants from the tours back in the eighties. The Raw tour, I think.  Speaking of, one of Eddie’s famous bits was about your mom’s method of discipline. Did she really throw her shoes at you guys? I think everybody’s mom did that once or twice. Your mom never threw a shoe at you? Uh…not really. My momma used to throw a shoe, or whatever was close by. She was pretty accurate. All it takes is to get hit one time and you remember it for the rest of your life — know what I’m saying? Related:  3 Shocking Business Lessons I Learned at Comedy Central’s Roast of Rob LoweWhat were your impressions of Michael Jackson back when Eddie was hanging out with him a lot? I was around him, but I never made an effort to meet him, because it was obvious that he and I had nothing in common, so therefore what am I talking to him for? Why act like I’m happy to be around him when I’m not? I thought he was soft. I don’t hang out with soft cats. Eddie just liked the superstar thing, but I didn’t care how many records he sold. Eddie knows that. He knows me. Did you believe the accusations against Michael?[Pauses] I’d rather not publicly make a comment on whether I believe or not believe. He’s been cleared, he’s out, and it’s not for me to say in this forum. He played with the pixie dust and then he got too into the pixie himself. I’m definitely not gonna go, “yes, Charlie Murphy says Michael Jackson is guilty.” I’m not living with that, so no comment.Rick James participated in his Hollywood Story, but Prince didn’t. Does he not have a sense of humor? Prince liked it. He was very pleased when it came out.  The reason he didn’t participate was he heard, “comedians want you in the show, blah, blah, blah,” and it scared him. He didn’t know what we was gonna do, or how it was gonna go down. Prince doesn’t do TV show type stuff, anyway. But he’s seen it, and hung out with Dave after it, and everything.  Do you think Dave’s relationship with co-writer Neal Brennan lead to him walking away from the show? I heard they were at odds.If they was having problems, that was unbeknownst to me. I got to know Neal Brennan better than I got to know Dave. Dave was kind an arm’s distance from everybody. But I understood that, because a lot of people were coming up on him and it made him uncomfortable. But I talk to Neal almost every day. That’s my dawg, man. We got a TV show thing we’re trying to work out. Right now it’s in its infancy stage, and I don’t want to talk about it and jinx it.When was the last time you spoke with Dave? I spoke to him about a month ago. He said he was coming to my show, but he didn’t show up. I don’t know why.  Give me a Charlie Murphy True Hollywood Story that never aired but should have. Uh, I can’t give that up, man. That’s worth money!Ah, come on. Give me a preview then. A sample that’ll leave me wanting more…  Hmm. Hmmm. I really don’t want to do that, man. Somebody came to me 4 months ago saying they wanted to do a DVD of my set and they were gonna give me $100,000. I could make a $100,000 a month by showing up and doing it around the country. You want me to tell you a story, come to my show. I’ll tell you plenty of stories.  Related:  Muhammad Ali’s Greatest Quotes of All TimeWhat makes Charlie Murphy laugh? Seeing someone get their ass kicked. That’s why I like watching Steven Seagal movies, man. They make me scream. I’m like, yeah, fuck that guy up! He deserves it! Now maybe he’ll go to church and get his life right. What makes Charlie Murphy cry? I think it was at the movies was the last time I cried. I think it was Roll/Bounce.  How does Charlie Murphy make others cry?I like to tease people. I hate when people do it to me, though. I have a very good talent at finding out exactly what it is about yourself that you don’t like and then keep bringing it up. I can remember pissing Eddie off several times when we were kids. I made him so mad that he started cursing, and grandma was on the phone, and I was like, “You better stop cursing cause grandma is on the phone.” And he was, like, “I don’t give a fuck who was on the phone!” He was 10 years old. After that, he just started throwing stuff at me. How was your time serving in the military? There’s a lot of racism when I was in the Navy, and I had to deal with that. I worked in a boiler room, but when I signed up it didn’t say “boiler room” it said “thermal dynamic engineer.” So I thought it was something special. I was like, wow I get to be an engineer! I thought I’d leave the Navy and be ready for NASA. And of course, by the time I found out what it really was it was too late. I would cry it was so hot. Related: Carrie Fisher’s Most Hilarious and Inspiring QuotesHave you taken Eddie out on the town now that he’s single again? I got nothing to do with that, bro. He’s a grown man, he don’t need my help for nothing as far as getting chicks, or any of that. All we do is play video games, talk shit to each other, eat — normal stuff. We ain’t kids no more, man.   You’re a pretty hard guy. What do you make of the current crop of rappers trying to be equally tough? I’m laughing at em. I’m not taking it literal. You think those guys are really doing all they say they’re doing? Come on, man. All of em are full of shit. I don’t believe 50 Cent is doing what he says he’s doing, and then he’s out on stage at a show. If you really did all this stuff and put it on tape, then why don’t the cops come get you? If he really committed crimes wouldn’t they come and arrest him? What is people’s first impression of Charlie Murphy? That I’m intimidating, which I don’t like. I’m trying to learn how to not give that off. I’m not the boogieman.  Guest Writer Add to Queue Apply Now »last_img read more

Dont automate the fun out of life

Making comparisonsAutonomous cars, technology proponents promise, will be more efficient and cheaper than human-driven cars. And yet, what will be lost?Whether automation is actually more efficient depends on a user’s preferences – and perhaps circumstances. Look, for example, at the former job called “elevator operator,” and its modern equivalent: car driver.Someone getting in an elevator carrying heavy bags, eating a burger, or wrangling small children might actually prefer to ask another person for help getting to their intended floor. Even someone entering an elevator alone and empty-handed might be lonely and appreciate the opportunity for a cheery morning smile or even a shared grumble at the weather.As a technology, cars already tend to isolate people from each other. Cars that relieve people from driving altogether – and from needing other humans to drive – could leave people unaware of other drivers, pedestrians, cyclists and every other human in the transport system. That further detaches people from the sense of inhabiting a shared space and a common society.The effects on costs are similarly mixed. A building owner no longer has to pay an employee to run the elevator, which saves the owner money. But it’s not so good for the elevator operator, who is now out of work. Car passengers might appreciate saving money on taxi or Uber fares, and freight companies will certainly save money by running trucks nearly continuously. But the people who used to drive those cars and trucks will be forced to find other work – which isn’t very easy or fast. Champions of efficiency often gloss over this issue, apparently assuming other work will always be available. It isn’t.Reformatting societyBeyond economic costs to those displaced workers, losing their jobs may remove a source – and perhaps for some, the only source – of joy and satisfaction from their lives. In searching for a new job, then, they’ll be looking not only for good pay but similar emotional rewards.As automation enters people’s lives, it not only changes the tasks they do: It changes their relationship to the world, turning them from active, immediate participant to a detached, distant observer. That’s not fun or fulfilling.The ultimate question, then, is not whether life can become more automated – but rather whether it should. Today’s new car, a partial robot itself built by robots in an automated factory, may for a time be content to sit in a parking spot and wait for its user’s call. But if people aren’t careful, its fully autonomous cousin may one day drive the joy of driving, or even an entire joy of living, out of human experience. Uber close to scrapping human backups in self-driving cars (Update) Explore further In one sense, it’s undeniable: The robot can fly in cargo, needs to be fed only electricity, is less likely to be a victim of crime, won’t get lost en route, won’t overlap activity scheduling – and even speaks all the local languages and dialects. But of course nobody would willingly send a robot on vacation in their place, voluntarily missing out on all the sights, sounds and flavors of the new experience.Yet as a scholar who focuses on human-robot interaction, I see people taking steps toward that kind of utilitarian future all the time. Even though robots can do a great many things – and will soon be able to do much more – there’s a lot we humans stand to lose in the transition. Now is the time to say which human activities should and shouldn’t be handed over to digital autonomy – and the pleasure we get from them needs to factor in the decision.Weapons and dangerIt might seem fairly easy to come up with a list of tasks that shouldn’t be automated. Lethal autonomous weapons – such as independent armed drones – are already being developed. But they should not go much farther: Life-and-death decisions should not be in the hands of robots and their operational algorithms. Rather, most humans believe that only actual people appreciate the moral importance of taking a human life. Also, people tend to want to reserve for themselves the enjoyable experiences in life, such as travel, and the many other opportunities that bring happiness, learning and adventure. (Only robots have yet gone to Mars, but not for lack of human interest; rather, space scientists are still working on ensuring people will survive the trip.) What’s given to the robots now tends to be the repetitive, dangerous and dirty parts of workplace labor.Yet as automation and autonomy play increasing roles in all of our workplaces, they’ll start taking the very jobs from which many human workers draw their professional pride, satisfaction and even enjoyment. This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only. Citation: Don’t automate the fun out of life (2018, January 24) retrieved 18 July 2019 from https://phys.org/news/2018-01-dont-automate-fun-life.html Credit: soft_light/Shutterstock.com This article was originally published on The Conversation. Read the original article. Imagine you are about to go on vacation. You have been looking forward to it for some time. But your robotic personal assistant has other ideas. It calmly explains to you that it will be cheaper, safer and more efficient for it to take your place on the holiday trip. Provided by The Conversation read more

Toyota Panasonic form joint venture in housing for Japan

first_imgOperating Officer of Toyota Motor Corporation Masayoshi Shirayanagi, left, and Senior Managing Executive Officer of Panasonic Corporation Makoto Kitano talk during a press conference in Tokyo, Thursday, May 9, 2019. Japanese automaker Toyota and electronics maker Panasonic are forming a joint venture combining their housing businesses in Japan. (AP Photo/Koji Sasahara) Explore further Japanese automaker Toyota and electronics giant Panasonic are forming a joint venture combining their housing businesses in Japan to showcase technologies such as connected cars and the internet of things. Operating Officer of Toyota Motor Corporation Masayoshi Shirayanagi, left, and senior Managing Executive Officer of Panasonic Corporation Makoto Kitano shake hands after their press conference in Tokyo, Thursday, May 9, 2019. Japanese automaker Toyota and electronics maker Panasonic are forming a joint venture combining their housing businesses in Japan. (AP Photo/Koji Sasahara) Toyota Motor Corp., which offers housing as well as vehicles in Japan, said the new company will offer homes showcasing those technologies.Panasonic Corp. said its housing subsidiary will become part of the joint venture. The companies said Thursday the deal should concluded by January 2020.Both sides said communities will increasingly want connected cars, autonomous driving, car-sharing and ecological vehicles, and homes offering sustainable energy and gadgetry.Earlier this year, Toyota and Panasonic announced a joint venture to research, manufacture and sell batteries for ecological autos, an increasingly lucrative sector amid concerns about global warming.The companies have been studying working together on batteries since 2017.The housing joint venture brings together all the two companies’ housing brands, including Misawa Homes Co., Toyota Housing and Panasonic Homes Co.Toyota Chief Executive Akio Toyoda said the automaker was eager to collaborate with various companies as the industry develops.He said he wanted to bring “together the strengths of Toyota, with its vehicle business and connected business, and Panasonic, with its home appliance business, battery business and IoT business, and enhancing our competitiveness,” in the housing venture. Panasonic President Kazuhiro Tsuga said the companies want to move ahead on “town development.””We will put our respective strengths together to offer new value in everyday life,” he said.Toyota, which makes the Camry sedan, Prius hybrid and Lexus luxury models, has been bullish on partnerships with other automakers and with technology outfits such as ride-sharing giant Uber and Japanese technology company SoftBank Group Corp.Toyoda has repeatedly said that to survive Toyota must do more than just sell cars, and have various net, ecological and robotics technology under its wings. Senior Managing Executive Officer of Panasonic Corporation Makoto Kitano, right, speaks as Operating Officer of Toyota Motor Corporation Masayoshi Shirayanagi listens during a press conference in Tokyo, Thursday, May 9, 2019. Japanese automaker Toyota and electronics maker Panasonic are forming a joint venture combining their housing businesses in Japan. (AP Photo/Koji Sasahara) Operating Officer of Toyota Motor Corporation Masayoshi Shirayanagi, left, and senior Managing Executive Officer of Panasonic Corporation Makoto Kitano shake hands after their press conference in Tokyo, Thursday, May 9, 2019. Japanese automaker Toyota and electronics maker Panasonic are forming a joint venture combining their housing businesses in Japan. (AP Photo/Koji Sasahara) © 2019 The Associated Press. All rights reserved. Citation: Toyota, Panasonic form joint venture in housing for Japan (2019, May 9) retrieved 17 July 2019 from https://phys.org/news/2019-05-toyota-panasonic-joint-venture-housing.html Senior Managing Executive Officer of Panasonic Corporation Makoto Kitano, right, speaks as Operating Officer of Toyota Motor Corporation Masayoshi Shirayanagi listens during a press conference in Tokyo, Thursday, May 9, 2019. Japanese automaker Toyota and electronics maker Panasonic are forming a joint venture combining their housing businesses in Japan. (AP Photo/Koji Sasahara) Toyota, Panasonic announce venture for green auto batteries This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only.last_img read more