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Newslink Plus: News and Views from the Heart of Europe
Israelis Say Hamas Using Schoolchildren as Human Shields; Red Cross Says Situation in Gaza has Become "Intolerable". Porsche ups Stake in Volkswagen.
[0:18:17] ... authorities are trying to better warn youngsters about the dangers of these loans and get their message across they've released a special film. Which is being shown in schools. Anti horizons and has the story. ...
[0:18:44] ... the prices she's just paid for her new taxes. Thank -- get home they morph into bills and jumped to her letter box. You can't escape debt is the film's message. It's a government project ...
[0:28:07] ... might have given even more of -- playing in tyrant and her home country. She's disappointed not to be traveling to Egypt but says she hopes to -- district can eventually such a good example ...
[0:33:16] ... neighbors India seeking international support to be -- pressure on Pakistan. Indian home minister PT -- is due to travel to Washington he did this week. To put steady hand over the evidence India has ...
[0:34:19] ... have to distinguish between the static important thing and don't sound sustainable improvement. The first is he's live this satan doesn't seem to be -- likely. ...
[0:43:52] ... like military presence that's almost upon which quite difficult political practice comes home. Only science -- has always have an important. Part to play that -- itself. Google is sufficiently powerful to maltreatment is just. ...
[0:52:41] ... the number doesn't only produced for the export markets but for the home market to. Which is developing Sony percent to. An average wage at pesetas the number it's 118 US dollars a month but ...
Rick the Fix-It Guy -1/3/09
Rick talks about first-time home buyers and takes calls about various home improvement projects.
[0:00:23] ... would do a series of shoes. -- focused on the first time home buyers. In the market. A lot of factors. Are entering into this being a good market for first time home buyers. On record low. Interest rates. It's a researcher in I have. The average thirty year fixed rate going back to April ...
[0:02:50] ... the things you should look at. When you are purchasing your first home. And I would try to give you a little bit of education. On what the look for and what to do to ...
[0:03:29] ... Mortgages and buying homes but a battle also fixing and maintain their home may be have a problem with your home we need to fix. And you want to call the fix it guy give me call my number here in Philadelphia's 2158391210. ...
[0:06:17] ... make. Out the other thing they look at when you're. Purchasing a home is the amount of debt to you that. Because they also want to make sure that when they add this mortgage debt. ...
[0:07:09] ... some heavy credit card data or maybe have some. Really. League school loans or or they -- hardy couldn't afford. And this war hamper how much you can afford for housing going to look at ...
[0:09:29] ... I got my mortgage approval. We just have to get in Iowa. Home inspector through here and get the paperwork done and go to settlement or thirty days on -- on this you don't have ...
[0:10:21] ... mortgage lenders either brokers are direct lenders. Banks credit unions. Savings and loans. Mortgage companies but taken in her do you -- two and you can also go on line you can -- rates online. ...
[0:15:29] ... gonna cost. What I would -- was I would get a either home improvement or drywall contractor and -- to look at it and get him to give me a price so portable cost to skim ...
[0:16:37] ... of the program we're not talking about music we're talking about your home The Big Talker 1210 the fix it guy every Saturday from eleven to twelve. And we're talking of Albion -- a first time home buyer. And beginning in getting your feet wet in the market getting that first home. And some of the steps she need to take the world should talk about your home so. Give any questions about home improvement home repair home remodeling maybe have a question about a mortgage your or about buying a home give -- call here 2158391210. From Philly. From the suburbs 616. Exports while -- sell jerseys. 8565411210. AT&T Verizon Wireless push pound ...
[0:18:43] ... days decorating nightmares that carry over from the old owner of the home. The first time home buyer may be -- encounter some of those may be when your when you're out shopping for that new home. You want to set aside you don't want to completely cash out of that when you go into the deal you want ...
[0:26:45] ... so we're talking about mortgages today were talking about the first time home buyer. ...
[0:32:02] ... let's go back the photos if you folks seven. A question about home improvement home repair or remodel it or about your mortgages. Give us a call from Philadelphia 2158391210. From the suburbs 616. Exports -- tense ...
[0:33:49] ... the real estate buying process I -- talk a little more about home inspections and so and so forth that you can probably. You know. Take a look and see maybe museum home inspector will say well this heater is ten years old and he should channel and replacing this heater in the next couple years so we'll give you an idea. Or what you can be. You know of what can be involved in buying that home. By the before you do that you know make street -- money aside. Get back that a phones here we got GO ...
[0:34:46] ... kind of -- concept where he carried off his mortgage at -- home equity line of credit. And and then he because I get the whole basic principle this is that the of the year home equity line of credit interest is calculated on a daily basis. Person the mortgage it's likely -- a monthly basis. They taught at home equity you know mortgage first mortgages the home equity line of credit. On the -- hanging he takes -- paycheck in the plot applies it to the home equity line of credit. Every month you know gets twice the market he gets -- and any reader -- on the home equity line of credit to 1080 you know monthly expenses. And I thought this anchor there's actually a web site that talks ...
[0:39:27] ... big talker 1210. That the program folks were talking about. Your home when we're talking about mortgages and first time homebuyers what you want to look into for first time home buyer also our government programs are a lot of first time buyer programs available. Through the federal or local governments city and ...
[0:43:16] ... lawyer homework and like is said hopefully your QB -- be -- home owner and you'll have all the benefits of homeownership like you know breaking so remember folks. If it ain't broke don't fix ...
1-4-09 Your Money
Presented by the Wealth Enhancement Group.
[0:03:24] ... personal trainer. -- maybe things you can buy and and in your home but there's a lot of things you can just do at home exercising. Without spending a lot of money but one of the things there's been a lot of research that I read recently. ...
[0:05:20] ... typically when we talk about that we're talking about equity. In our home either using a home equity loan or home equity line of credit and no we don't want to put her -- in danger we don't want to be in danger of foreclosure. We're not talking about increasing the debt or talking about potentially. Potentially shifting it to someplace where it's more effective. If you have a balance -- credit card. You if you look at the interest rate that's probably higher than what the industry would be against equity in your home. In the -- your format that won't could be tax deductible -- the department store credit -- store debt. Is not deductibles ...
[0:20:56] ... general guidelines after the 10% pretax dollars. How you would Libya take home pay into like you know -- payment city transportation. Here. Entertainment. Here you know. Others say means if you had me in ...
[0:22:31] ... look you if you if you trying to borrow to buy a home. They look at in common debt and they will care ratios of it and there's a certain percentage that they consider good -- certain pursue ranges that they were not considered good -- and even that is not an exact science and it's changed. What we saw in recent years was that it was arguably too easy quote on quote for people to get credit people got loans that maybe shouldn't have. And now we've seen the pendulum go the other way it's it's over corrected and now it's probably. ...
[0:28:07] ... like real state right now and again people sick or real state home values have plummeted 20% and I just -- heard a reporter wrote a story on the news that in San Francisco. And in Phoenix and in Las Vegas they're down over 30%. Yes exactly. Much there's a lot of real stayed all their rate now. Greatly undervalued so whether you're investing in any second home or vacation property you're just an investment property. I think it's a good time if it's the right property I think real ...
[0:35:11] ... Yeah are good morning Bruce -- We've got a home equity line of credit. And the interest rate we -- is. I think it's the prime plus one point 5%. Which is the ball four point 6%. And I looked at converting them over to a home equity loan. In the interest rate would be about 10%. Quite a big difference. It why would anybody do that. Thank you. ...
[0:36:10] ... certain period of time. And the interest rate is locked -- on home equity line of credit. The interest rates can very and the amount of the debt can vary because you could say give me a line of credit for 50000. But you don't have to borrow 50000 you might borrows -- you might borrow 5000 salt. The interest rate that applies applies to whatever the debt is against that line and the one of the debt you go up or down but they put a cap or maximum. On that -- Generally it is not a common that we see the home equity one main. The ought to lower interest rate but variable rate that can go copy of prime minister interest rates go ...
[0:37:27] ... borrow anymore money anyway I've taken all what I needed from my home improvement or whatever the reason for mile long one assault. There are reasons Steve white people would want to do that but based ...
Windows Weekly 88: Zune Takes A Holiday
I see dead Zunes, Windows 7 Beta, HP MediaSmart Servers, Windows Live Essentials, and more. Audible pick of the week: The Audacity of Hope: Thoughts on Reclaiming the American Dream, Abridged, By... hdfhghfdfghfgh
[0:22:36] ... them -- media anywhere saying BHP's updated its own windows home server and actually a lot of interest in the Macworld. IDF says it supports. It's more time capsule. And iTunes. Yeah. ...
[0:23:06] ... smart server is the basic product name and then these are windows home server based server shrink so. Probably but a year ago I got the first generation device. It's it's -- to gigabytes of storage to terabytes storage. In at this it's this is the small. Little server with that. Hot swap drive days Hollis it's a really neat machine you really like a -- you really like this -- you love it -- it again this is this server has from the center reminded. All networks and -- chair it does home server itself is Lebanese stuff all by itself you know each key bills on top of that and they add additional things. And one of the things and HP did last summer when that a Microsoft you know the first big. Windows home server update was they released a couple of out ons. And there was actually a little bit of a problem there because of first generation machines house. I just 512 megabytes of ram which is fine for windows home server until you start -- in those Adams. You know on the guidance. Earthlings can provide additional functionality for example a.'s Madden. ...
[0:25:39] ... And -- backing -- the home server and then it goes to S three and automatically in the in that workshop is growing threat to the I think ...
[0:27:53] ... Digital media -- streaming media you can stream are content off the home server. Out pastor firewalls -- Eurotunnel laptop you're connected to the Internet you want to listen to music that's on the homes ...
[0:28:32] ... know you oval here a little here a little here but the home server has everything in one location. Just like yeah -- a neat product it's a really really neat product so they were ...
[0:34:41] ... interesting knees raid five -- nation is are they do windows home server has its own data duplication that it is real data redundant. Yes. Yes even with the wonder what it's if you ...
[0:35:30] ... for guidance and some of them are getting really professional -- home automation type things. Song that's -- interesting to me I'm really looking to see if there's a big ecosystem. Of plug ins and if there is in this is clearly the way to go. The way the way they say this by the way is you know the critics of this type of -- say. You know that it's a niche product and so forth a Microsoft puts on this as well. But the PC was finished product in 1980 send home networking was I don't know -- and niche anymore and the united I -- I yeah I mean it has. Ingrained its ...
[0:36:31] ... attempt to get stuff off site -- this is this is huge improvement it really makes it easy to do. Do you use a media server stuff. On and off you know that HP does her own stuff over above what's in witness some servers are for civil -- have an iTunes aggregate there. And and that the windows home server can appears iTunes collection -- so if you're running iTunes in grocery connection -- the content that stuff I actually don't use. What they do use is its and -- And I'm trying to remember which. Where these features come from a HP has an add on exodus of watching media that basically. Allow them windows home server to look like a Windows Media Player PC. So all the content that's on there the movies the photos. The music. Can go to any compatible device like the X luxury sixty or any other windows PC in the house NASA works fantastically urging users to. Contempt you'd do you really tempting me -- But about try to get you spend money now well I spent anyway but but this sounds like a really good salute was great and PH is want to get and I would get a for the home I wouldn't get it for here we use in NASA's here is -- business environment. But for the home might well. So okay but if you're the only issue here though is if you have a lot of Mac types of ...
[0:40:23] ... would hope you know because I think the the biggest advantage to home server aside from the obvious stuff is that the is that you know it's expendable platform right. We'll see I ever -- ...
[0:53:47] ... bailout. But there's this lag time between that and it really hitting home and I think this is a year when it we're gonna see there's it's -- it's a trailing indicator this is the ...
[0:54:37] ... points where -- people -- you're getting zero interest loans are falling interest loans and we're gonna you gotta pay the price for that that's that's just gonna eventually come back yeah. ...
Newslink Plus: News and Perspectives from the Heart of Europe
Israel continues to blast Hamas positions in Gaza as a possible truce is discussed in Paris. Also, the Czech Republic is only a day away from the biggest political step in its post-war history. And, after six tumultuous months, the French presidency of the European Union is coming to an end.
[0:16:13] ... I thought perhaps the greatest enemy facing the government at home this indifference. People such as you -- her hands and throw money off. He spends much of that time poring over you ...
[0:23:57] ... to injury pointing out that he is Julio was not even at home. Well like the song says love hurts. You're listening to news link on torture Valerie -- ...
[0:29:48] ... about phone maker announced it was closing its German plan simple home. And moving production to Romania to cut costs. The outrage in Germany was palpable. That's Gemini has other worries including allegations of ...
[0:32:55] ... shareholder owned mortgage finance giants that underpinned trillions of dollars in home loans. This was followed by the collapse of Lehman Brothers another Wall Street's giants with trillions of dollars in contracts will white. Prompting ...
[0:35:41] ... Or so Zimbabwe -- living in the UK would love to go home. But not while Robert Mugabe a remains in power. ...
[0:36:28] ... ageless looking for many. The the ordinance as -- at home do you think that's easiest local vehicle Mazda put enough money -- to do my house in Zimbabwe. And Goldman say you ...
[0:37:14] ... Any improvement in the -- the -- we had -- when they -- The -- in the opposition partisans -- but -- monster -- ...
[0:38:47] ... Otherwise is a press and my thoughts are always about people at home my thoughts are always about the challenges deficit. But you also have to want to attend driven that we court here when we came -- that time was there is strong. And we were able to send fifty pounds and sustain primitive but today. The credit crisis is affecting Zimbabwe insular living in the UK which means they don't have enough money to send home also -- itself is falling in value which means that is very difficult to actually send money to people in Zimbabwe. So ...
[0:52:14] ... even supported that decision. If the case would be reexamined today -- home. Ultimately I'm troops whom commute to make you just my legal opinion is diploma ranked it would not be considered criminally responsible ...