Janice Friesen's Network

10 Youtube URL Tricks You Should Know About

Shared by Dean Shareski, like and 314 saves total

Bob Rowan on 2009-04-20

this might be easier than using Firefox download manager add-on and then converting videos; it will be interesting to see if this still saves as .flv

Mendi Benigni on 2009-04-24

This feature doesn't seem to work well with the &start= commands. I tested it with this command and the first time it worked but when it looped it played the entire video the second time.

Justin Ficarrotta - games

Shared by Miguel guhlin, like and 1 save total

Load2All.Com - Free File spreading engine and splitter ! Unlimited File size, splits your files to parts, gives you one link , HotFile, NetLoad, GotUpload, FileFactory, RapidShare.Com, Storage.To, Uploaded.to, MegaUpload, SharingMatrix, DepositFiles, 2Sha

Shared by Miguel guhlin, like and 1 save total

Apostles of Comedy (PG) Jeff Allen, Brad Stine, Anthony Griffith, Ron Pearson |SwapaDVD.com

Shared by J Black, like and 1 save total

10-things-to-know-about-real-estate-in-2010: Personal Finance News from Yahoo! Finance

Shared by Maggie Tsai, like and 2 saves total

That said, here are 10 things to know about real estate in 2010:
1. Prices to bottom: After more than three years of falling, real estate values have shown signs of stabilization in recent months. At the national level, home prices slid nearly 9 percent between the third quarter of 2008 and the same period this year, according to the S&P/Case-Shiller home price report. That's a notable improvement from the second quarter's nearly 15 percent annual drop and the first quarter's 19 percent decline. This improvement will give way to a bottom in home prices--finally!--in 2010, but not before additional declines, Zandi says. Zandi projects home prices will hit bottom in the third quarter of 2010 after logging a peak-to-trough decline of roughly 37 percent, based on the S&P/Case-Shiller national home price index. "That means we've got another roughly 10 percent [decline] to go,
Mortgage delinquencies up: Amid falling home prices and a nasty labor market, roughly 1 in every 7 mortgages was either past due or in foreclosure by the end of the third quarter
10 more annotations...
- Two factors are expected to drive delinquencies even higher next year. First, nearly 1 in 4 homeowners currently owes more on their mortgage than the property is worth, which increases their odds of default. And secondly, the national unemployment rate--which already stands at 10 percent--will peak at about 10.5 percent in the first quarter of 2010
- "The [delinquency] rate is going to stay up there for quite a while because the job market is going to be really weak for a while
- Foreclosures move upstream: The number of foreclosure sales will increase to about 1.9 million in 2010, according to Moody's Economy.com. And while we've already seen a growing number of more expensive homes heading into foreclosure
- We are poised in 2010 to see a surge of foreclosures from prime borrowers. Hundreds of billions of dollars in option [adjustable rate] mortgages are set to be recast" next year
- These are [properties] at higher price points [and] potentially in more desirable neighborhoods
- Rates on 30-year, fixed mortgages fell to an average of 4.88 percent in November, down sharply from 6.09 a year earlier. A key factor behind the plunge was a Federal Reserve program, first announced in November of 2008, that purchased debt and mortgage-backed securities from Fannie Mae and Freddie Mac. But the program is slated to expire at the end of the first quarter, and if private investors don't step up, fixed mortgage rates could jump.
- The unwinding of this Fed program, the improving economy, and mounting concern over government deficits could push rates on 30-year, fixed mortgages to roughly 5.5 percent by mid-2010 and close to 6 percent by the end of the year
- With prices still falling, mortgage rates remaining historically attractive, and additional homes hitting the market in the form of foreclosures, the dynamics of the real estate market will continue to favor buyers over sellers in 2010. That means those looking to buy a home next year should not feel pressured to act impulsively. "You don't need to have a sense of urgency, but understand that as time progresses the balance of power as we get into 2010 is going to slowly but surely shift away from [buyers]," Larson says. "It is not going to be a strong seller's market, but it will be more evenly distributed as the year goes on." Data from the real estate firm Zillow show that home buyers are already losing the leverage they once enjoyed. While home buyers landed a median discount of 4.6 percent off listing prices in January, the size of the gap fell to 2.7 percent by October. Expect this gap to close further as 2010 marches on.
- the FHA's reserves have dipped below congressionally mandated levels. The development has put pressure on the Obama administration to beef up its requirements for agency-backed home loans. In early December, the Department of Housing and Urban Development announced that it would make several changes to FHA mortgage requirements: raising up-front cash requirements, boosting minimum credit scores, and perhaps charging more for insurance premiums. Additional new restrictions may be in store. Taken together, the developments could work to choke off the supply of mortgage credit to borrowers who can't get financing elsewhere.
- sales and pricing trends will vary a great deal from one area to the next in 2010