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Why are Americans so worried about 2013?
Pessimism in new Gallup poll
Jan 2, 2013
Kirsten Powers, Chris Plante
You're watching...
Pessimism in new Gallup poll
Jan 2, 2013
Kirsten Powers, Chris Plante
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He's have a new Gallup poll is today looking at America's future and how Americans feel about.
When asked of America's best years are ahead or behind.
Half of the citizens here said it looks downhill from here.
And their view of 2013 is particularly bleak.
So why why are Americans so down about the future now I get 50% -- her best days are behind us.
-- now appears to powers columnist for the Daily Beast and a Fox News contributor.
And Chris -- radio host of the Chris Plante show.
That's a has a happy way to start up the new year our best days are behind us.
But that's what that majority of Americans believe when you look at the breakdown.
It's somewhat partisan way more Republicans believe our best days are behind us then Democrats Democrats feel they're ahead of us but independents -- with the Republicans on this.
I'll start with you in this Chris why do you think that is.
Well because we're living in pretty bleak times pretty austere times that you know of the American people.
I think in in our guts we know that.
Things are not headed in the right direction that the economy is on the skids that we're.
Kind of told in explicitly that this is the new normal.
That the unemployment rate is going to kind of be like this in our growth rate is going to be -- and we should just accept it and if that's the new normal -- things look pretty blank I've got a friend who's a small business owner.
Who told me at a Christmas party that surviving.
As the new prosperity.
And that's kind of where we are.
And yet you know assisting -- -- -- is that when Gallup asked the folks do you think we're gonna be seeing a year of increasing employment career a year of rising unemployment.
53% said we're gonna see increasing employment is here just 42% said unemployment is gonna go up so.
The bleakness doesn't seem to be tied.
Only to the unemployment rate in the country it seems to be bigger.
Broader than that.
Yes and when -- I would say is half of the people are are are pretty negative but about half the people are pretty positive I mean -- it's not that they -- the difference between the people are positive and negative and it is extremely partisan it.
You look at Democrats say overwhelmingly think that the best years are ahead -- -- so I do you think a lot of the negativity.
Am the positive side comes from what you think about President Obama -- he was just.
-- -- and I think -- the year or person who thinks he's a bad leader than you would naturally think.
Things are not gonna -- the Republicans know that he's only got you know another four years and then somebody else -- come.
Well I think Republicans really believe that he's he's such a bad leader for the country that they can imagine that things will go pattern I think Democrats feel like he's a good leader and so things will go batter.
But overall look -- it.
It -- -- look at the last.
Year -- it was a very rough year and I think people tended -- that tends to have -- drag on.
What people expect in the future and you know for every story about somebody.
About feeling like and they're small businesses doing badly I have friends who -- small businesses are doing.
While our very optimistic so you know I am optimistic about the future but then again the Democrats like a -- that went back.
But what -- -- -- this sort of Blake you know.
-- the carding yours Chris right when America you have very pessimistic.
And people believe the best days were behind them and then President Reagan came in and things very in mourning in America.
And anything like even Democrats felt that he brought something new and more positive to the country I mean could the Republicans who -- dismayed and and if it's all about President Obama.
Be looking at a page turner in a few years as they did back then.
Well yes absolutely and I and I think that's -- that's -- that people have if -- asked the question differently.
I think expect and I expected as I expect an economic Malays in the short term and perhaps the medium term because we've embarked on a path economically speaking that -- essentially what a number of socially democratic countries in Western Europe -- -- and they've all -- bankrupt and their unemployment rates are astronomical.
And as we pursue those same economic models.
I think we can expect to find the same results here.
Yes we can turn around but it took Ronald Reagan turnaround in our country first turn gray.
We -- the economic Malays and and we asked all the same questions now.
-- is Christiane we get a Christmas sorry Chris if they're not bother your own the cameras.
-- and and and we were able to turn around thanks to Ronald Reagan -- introducing an entirely new set of economic policies.
But we are embarking right now on an economic model on an economic path.
That is going to obligate us to spend an awful lot of money that we don't have and also now the debt to GDP ratio is completely out of whack real.
Over -- 100% during the Carter residents over a 100% right now out of debt to GDP.
Wait but those numbers down this confusing or I'm talking about numbers that don't -- -- -- -- -- but that -- over a 100% now in terms of our.
Debt to GDP our -- which makes us look much more like Europe and we used to look -- in this country just a few years ago where was more down in the sixty.
Sixties I want to ask you this appears to because.
I I realize that there's definitely some partisan lines here but the Gallup poll was taken from December 14 to December 17.
December 14 was the -- the Newtown Connecticut right massacre.
And how much do you think other issues besides the economy things like pat you know -- -- shook the whole nation about how.
How that could happen in America I know all I know -- five years ago.
Children were also massacred by a bomb at a school on just saying it is not a neighbor day occurrence thank god in this country but you've got that.
And and and a separate -- forgive me but you've got the celebrity culture you know you've got like people who become -- based only on a sex tapes and they make millions of dollars and how much of that and that and that it's it's -- presence in our society now plays into this do you think.
I think it plays into an enormously.
I don't think it is just about the economy -- people do you typically think of the economy but.
They and I I think that the fact that it was taken around that time does have something to do with that and -- what looked that was the I think the fourth or fifth major shooting like that of the year know that -- you know what there were so many of these shootings and I think that that.
Definitely affects people but I also remember in the early 1990s you know if you look back and pulled up the polls from merit in -- -- look like because.
That's when you were saying -- our best years are behind us you know this generation will never do as well as their parents did and then of course we had.
The tech boom which nobody really saw coming so.
You know we don't really know what's gonna happen and I just I really think whether as a Democrat or Republican -- is fundamentally believe the United States is going to be able to.
Bounce back from -- and we actually have.
Responded -- a lot differently than Europe has there's not enough time to get into that but I think that we have.
Responded and and a different way than they haven't I don't think we're gonna end up in the same place that they wouldn't.
About the cultural influence Chris because I mean America's been sharply partisan for most of its history I mean we'll go back and read what was going on you know the founding of this country and then the next hundred years and you'll realize.
We've always been hyper partisan and maybe they got along a little bit better maybe they at the end of the day reached agreement a little bit better but you know.
That's how the system was set up so how much is the hyper partisanship -- seeing in Washington affecting this vs some of these other intangibles.
Well it does -- and I -- Washington for 25 years and I've never seen it this bad I mean this is just.
I'm embarrassed for my species at this point you know forget about living in Washington are voting Republican -- the rest of it.
If this is the best the human race can do it the highest levels of governance on the planet earth.
But I think we're in good and in pretty -- had trouble going forward I think we've got.
-- too many dishonest politicians who are self interest did and taken with.
They this sort of pop culture aspects of being in politics and we've we've turned our political life into.
Up pop culture too much -- drew great to greater degree and you mentioned the other sort of other cultural issues.
I think that we -- a lot of people myself among them see our pop culture taking us in a direction that doesn't.
You know take a stunned that the the path to prosperity either I think in a lot of different ways economically the models were pursuing that GDP there were.
Casually passing along to the next generation as though it it doesn't really matter.
The selfishness that we see coming out of Washington is extraordinary.
And I think we're just laying track for bad things ahead -- on a lot of different levels and people recognize that.
Having Indian.
Yeah I found -- I was aren't -- -- what the -- numbers reflect that you do not stand alone you do not stand alone Lybrand the polls.
At least the Republicans and independents.
Are overwhelmingly with fewer independents 55 to 43 Republicans 74 to twenty for for the Democrats feel good 69 to 20% okay.
They -- not so much for being here.
Thank you.
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This is from Gerd Leonhard's 2009 book The End of Control. Leonhard is a media futurist and writer. He discusses how the record industry has attempted to control their product but ultimately failed. The music industry must admit to what is happening and let go of there old economy business models and belief that content is king. They must accept it fast as the longer the wait the more they have to lose. Advances in technology such as memory sticks, iPhones, wireless hard drives / music players have made file sharing easier and easier and its popularity will grow exponentially. Record companies must embrace the end of distribution control and stop harassing their customers with lawsuits and threats. They must move to a service based model.
Leonhard proposes blanket licensing as the best solution. Existing public performance blanket licenses given by collectives are easy to get and make economic sense. The system is straightforward and benefits performers and artists but a new method will be needed for the internet. A blanket scenario would work best and he likens music to commodities such as water or electricity in that everyone should be a legal user. However, it is important to recognize in any discussion that music can be consumed unlimitedly, thus in determining the appropriate fee, TV is provided as an example. Flat rates could be connected to service or other methods.
The article's most interesting topic is its emphasis placed on control. Music companies still hope to maintain control of their product which does not make sense considering how uncontrollable it is. The movement of data has become so commonplace that controlling it seems almost ridiculous. Record companies have no other choice; they should strongly consider the prospects of blanket licenses. Flat rate licensing would work better as it would get money to creators who are not being served properly by the groups trying to represent them. I think this is probably the reason voluntary collective licensing has still not hit the mainstream. Middlemen like record companies realize their role will be diminished in a world where artists can provide their product directly to their fans.
tagged blanket_licensing choruss collective_licensing copyright file_sharing fisher free_music isp_licensing leonhard licensing music_piracy new_economy piracy voluntary_collective_licensing wired by neild ...on 15-APR-09
The Higher Education Opportunity Act written in August 2008 contained a few mentions of file sharing on campuses. The act addressed three main areas. First, students must be warned about illegal downloading and illegitimate P2P file sharing. They must be notified about potential repercussions such as civil and criminal liabilities. Next, institutions must certify that they have developed plans to combat the unauthorized distribution of copyrighted materials including technology based deterrents. Third, they must, to the extent possible, provide alternatives to illegal downloading. The timing for this is 1 year after the Act was signed.
The Act is quite specific in its requirements. Universities must both combat and provide solutions to the peer-to-peer file sharing dilemma that has run rampant on college campuses since the creation of Napster over a decade ago. Numerous attempts of other services have been tested, but all have failed the ultimate goal of compensating creators and giving students the music they want. Ruckus was the most recent failure. With the Act in place, universities must address the issue in the near future giving Choruss a unique opportunity as it is backed by both labels and file-sharing proponents. The controlled nature of campuses and use of a central ISP makes them a very attractive place to test the subscription model and this will be important to watch develop for the future of collective licensing.
tagged choruss collective_licensing copyright file_sharing free_music isp_licensing licensing music_piracy new_economy piracy voluntary_collective_licensing wired by neild ...and 2 other people ...on 15-APR-09
The editorial by Reihan Salam discusses the benefits and issues with voluntary collective licensing. Four music companies (Universal, Warner, Sony BMG, EMI) control 90% of all record sales in the U.S and have blamed piracy for the 40% decline in music sales over the past decade. Some opinions in the article describe voluntary collective licensing as a "music tax" or even an extortion scheme. Issues such as the masses paying for the actions of a few and the recording industry gaining too much are reflected. Salam believes the system is actually beneficial as it rewards smaller artists and will help creativity. If artists are not compensated and royalty streams dry up, they will in fact stop recording. I do not necessarily subscribe to this as plenty of musicians do so out of passion not profit.
The part of the article that is most interesting is related to Apple, which record companies believe has a virtual monopoly on music downloading and must be kept in check. Voluntary collective licensing helps record companies ease their reliance on the software. Apple's counter attack to voluntary collective licensing is also discussed which poses an interesting proposition. A one-time fee on an Ipod purchase would give purchasers access to all music available on the iTunes website. The reason this hasn't yet happened is price and that it further entrenches Apple in its power against record companies.
Additional concerns are raised about how VCL would hurt independent labels; the other 10% of record sales and with the Apple plan its effects on other music software programs. It also discusses what actually may work best and sides with William Fischer's book Promises to Keep and its strategy of an actually government music tax. Such a strategy would benefit artists and consumers but may cut out the powerful RIAA, which is well liked by the current administration.
The Apple tax idea is interesting and one that sticks in my mind, but again grants power to Apple who the record companies are too dependent on already. If an agreement was reached, I think it would be revolutionary but still limit consumers full access to the world's music catalog as iTunes only holds a small percentage of all music available.
tagged choruss collective_licensing copyright file_sharing free_music isp_licensing licensing music_piracy new_economy piracy voluntary_collective_licensing wired by neild ...on 15-APR-09
The article provides some interesting insight on the historical precedent of collective licensing, which was first developed in 1851 in France. It was used to reimburse composers whose work was being performed in cafes without consent. The article mentions the Electronic Frontier Foundation white paper and the RIAA's initial quick dismissal of it. This has since changed with Choruss and the willingness of record labels to explore the idea. The article further mentions the many failures of attempts to discourage file sharing including the abandoning of DMCA and the futility of the RIAA's continued lawsuits on individual piracy. Opponents of the ISP tax method believe this is almost extortion as ISPs should be responsible regardless of piracy that is occurring on their networks. They feel legislation needs to be put in place requiring ISPs to punish users who take part in illegal downloading. The article goes on to say that some industry leaders think both policies need to be in place (tax and monitoring) so long as artists are getting fairly compensated for their work, the ultimate goal.
Still, I feel further issue remain on what the legal duty of ISPs is and how far is too far? Users should have the option to protest any surcharge and the interesting idea of tiered pricing addressed in the article seems like a good solution. Consumers interested in unlimited downloads would pay for the service and the extra broadband required while those not interested would simply not pay. In a number of countries ISPs are being sued for their inaction on illicit downloads and in others ISPs are investigating technology to monitor their customers. Other questions that need to be considered are the limiting of personal privacy and canceling user's service without legitimate reasons. All in all, the article presents both sides of the ISP tax idea in an interesting light. While it seems obvious that this is the one place where all file shares meet and hence the appropriate toll to tax users, it puts obligations on the ISP to monitor its customers which infringe on privacy.
tagged file_sharing isp_tax music_piracy new_economy voluntary_collective_licensing wired by neild ...on 15-APR-09
This is a New York Times article written by Eric Pfanner in January 2009. It discusses a proposal by the Isle Of Man to test voluntary collective licensing. For $1.38 a month, the eighty thousand residents, who all have broadband access, would be able to download unlimited amounts of music. A fee would be collected by the ISP. The music industry estimates that currently 95% of tracks distributed online are pirated and this is a potential solution offered by the Isle.
The article discusses European perspectives on the issue and they do appear to be farther along than the U.S. A similar proposal made it Parliament in France, but it was eventually rejected after a fierce battle by copyright holders. Currently European countries seem more interested in the idea of holding ISPs responsible for illegal downloading on their networks. They have also proposed ideas including a 3 strikes your out rule and the banning of individuals from broadband access. While these idea are taking shape in the U.S., it seems unreasonable to hold ISPs responsible for reporting their customers actions. It also could create competitive advantages for those ISPs who refuse to participate and also distrust in them in general. Similar to phone tapping under the Patriot Act, it impedes on individuals freedom without the concerns of national security. It seems to be another example of the record companies alienating their own customers and building ill will and holding onto their past control ideals vs. adjusting to the future and the fact that file sharing is here to stay.
tagged blanket_licensing choruss collective_licensing copyright file_sharing fisher free_music isle_of_man isp_licensing licensing music_piracy new_economy piracy voluntary_collective_licensing wired by neild ...on 15-APR-09
The article brings up some interesting questions on what is remaining up in the air with the Choruss service. One of the biggest concerns is the what methodology and technology to use to track downloading which is a key component of the concept as artists are eventually funded based on their popularity. Cost also seems to be a concern and the appropriate method to actually charge the fee is still up for debate. Whether the school picks up the cost or passes it on as an activity fee is not yet established and past results have shown students are unwilling to pay. Certain leaders feel Choruss is nothing new and the same concerns exist that made past sites fail. However a break-even analysis of the current cost to protect against illegal downloads on university IT departments vs. the Choruss model may make it feasible. It also is important to find something soon as only 25% of schools currently have some sort of alternative which need to be in place by August 2009 per the Act.
What I find interesting in this article as universities will be the testing grounds for voluntary collective licensing. This seems clear and makes sense as universities are often first adopters of new technology and provide a microcosm to work out any kinks. The insight provided on the cracks in the mirror of the model is important. The devil of the plan is in the details. If Choruss can work out appropriate royalty distribution strategies that creators agree with and help protect against opt-outers and other issues, it gains credibility. After which plans to scale the model become more reasonable.
tagged choruss copyright licensing music_piracy new_economy voluntary_collective_licensing by neild ...on 15-APR-09
This transcript is from Jim Griffins keynote speech about Choruss at the Digital Music Forum East in March 2009. Jim Griffins heads Choruss, LLC is a non-profit organization created and supported by major music labels. Choruss aim is to provide voluntary collective licensing to universities. It amazingly is backed by both the RIAA and EFF, who usually are on opposite sides of the music file-sharing issue. Choruss would act as a collective pool and then distribute royalties to artists based on various metrics.
Mr. Griffins discusses the need for a new business model in the music industry as technology has completely changed the game. He states, "It's a fact of life: If your business model depends on controlling or getting paid for copies of zeros and ones, you may need to look at a new business model." He explains how collective licensing has existed in various industries in various forms and now is no different. Mr. Griffins then specifically addresses a Billboard editorial written by Chris Carter on the issues facing voluntary collective licensing. He provides mitigating arguments to the issues including lack of data to allocate funds, legal implications of collective licensing, opt-in / opt-out, label favoritism, and implementation challenges. He further discusses that this is not an academic pursuit but rather an actual attempt at monetizing and regulating piracy. He stresses that the creation of the system will also expand the market and uses the Copyright Clearance Center as an example of past success. Choruss has the goal to test various systems and eventually make paying for music fast and simple because doing so will release the floodwaters for money to flow.
Mr. Griffin is basically heading up the idea of voluntary collective licensing and is the initiatives public face and voice. This transcript gives a cohesive response to critics of voluntary collective licensing. By addressing the concerns of Mr. Castle, he has provided counter-arguments necessary to push the discussion on this revolutionary concept. His answers are based in reality and admit the concerns faced but are optimistic and derived out of reason.
tagged chorus collective_licensing copyright eff electronic_frontier_foundation file_sharing free_music isp_licensing music_piracy new_economy piracy voluntary_collective_licensing wired by neild ...on 15-APR-09
Chris Castle is a California attorney who represents clients on music technology and public policy. He wrote this editorial in January 2009 and takes a much needed look at the problems with voluntary collective licensing and ISP taxes. He explores what would happen in a world where suddenly downloading music is free. The main issue he brings up is without any legitimate proven tracking sources, ISPs would basically be providing good guesses on how the fees garnished should be distributed. Other concerns he raises are about file quality, illegitimate lawsuits and the lack of feasibility of the plan in actual implementation. He further comments that the record industry would be exchanging one form of uncertainty for another.
The editorial further accuses proponents of voluntary collective licensing of ignoring the positive results in the billion dollar industry of quality digital content such as Hulu and Itunes which are experiencing successful growth. The author questions how collective funds would be distributed with no good data and the addition of another middle-man pulling money out of artists pockets. Questions are also raised about any promises to not sue ISPs, especially by those who opt-out of collective licensing. ISPs will also face issues related to other content illegally downloaded on their sites like images, movies, etc. and international trade agreements that may be tested.
While voluntary collective licensing on a topical level sounds great, Mr. Carter raises some very legitimate points and the issues that could be present in actual practice. ISPs will have to take on additional duties and are vulnerable to attack for participating as a middle-man whether it be voluntarily or involuntarily. Consumers may also be at risk in a world where authorized and unauthorized works are at their fingertips with no clear ability to distinguish between the two. If this is the case, lawsuits may continue unabated.
tagged collective_licensing copyright eff electronic_frontier_foundation file_sharing free_music isp_licensing isp_tax music_piracy new_economy piracy voluntary_collective_licensing wired by neild ...on 15-APR-09
This is Chapter 6: An Alternative Compensation System from William Fisher III's 2004 book Promises to Keep. Mr. Fisher is the Hale and Dorr Professor of IP Law at Harvard and Director of the Berkman Center for Internet and Society. This is a very comprehensive discussion of the creation of a governmentally administered reward system for music and movie file sharing. Its basic premise is musicians or filmmakers would register their work with the copyright office and be given a unique identifier that would be used to track downloads of their work. The government would enact taxes which would be used to create a central fund. Using techniques created by television rating agencies, performing rights organizations, etc. the government would determine what frequency the work was used. The artist would then receive their royalty payment. The benefits would be consumers would pay less for more entertainment and artist would receive their fair share. Distribution companies would largely become obsolete over the long run. Society at large would benefit with less litigation and transaction costs.
The chapter goes on in detail to explain the various components of the plan. It also performs a deep analysis into revenue sources to determine the financial impact of the system. In the end, Mr. Fisher determines a tax of approximately $27 per year per household would make the system work. Concerns with this do exist such as consumers potentially supporting music they are morally or ethically opposed to. Another funding source could be taxes on the goods and services that are used to gain access to the media. Items such as ISPs, mp3 players, etc. are all explored and in the end an approximately tax of 12% is calculated as being appropriate. This is very deep and thoughtful analysis on what the actual numbers are that is helpful in pushing the discussion of voluntary collective licensing forward.
The chapter raises very important issues about voluntary collective licensing including derivative works, artists gaming the system, the inadequacy of the current copyright office, and how to create an appropriate sampling system. This is deep dive is essential to my research project as it peels back the surface to explore further ideas that will have to be confronted as the method moves forward. While a required government tax may face strong opposition, the idea of taxing devices is logical. My other concern with this strategy is the involvement of the government as the EFF plan to have non-profit collectives seems more in-line with letting the market do its work in maintaining innovation and efficiency.
tagged choruss collective_licensing copyright file_sharing fisher free_music isp_licensing licensing music_piracy new_economy piracy voluntary_collective_licensing wired by neild ...on 15-APR-09
This is The Songwriters Association of Canada's proposal for monetizing file sharing of Canadian music. It lays out a voluntary collective licensing scheme similar to that proposed by the Electronic Frontier Foundation. The plan highlights its unobtrusive nature which will basically let consumers continue to download music as they wish but remove the legal risks and legitimize their actions. Consumers would have unlimited access to the world's music collection both preserving and fostering its growth. The association believes the voluntary collective licensing method will usher in a "Golden Age of creativity."
The background of the proposal provides some interesting statistics on music downloading. The estimate 98% of all music is shared and only 2% is actually purchased obviously indicating that sharing is the preferred method of the public at large to access music. The proposal also argues that legalizing file sharing would increase the amount of high quality virus-free music available as only 6mm of the 100mm recordings created are available on legal sites. Legitimizing file sharing will hence increase society's access to all music promoting the arts. It will also answer the most important dilemma: compensation for creators.
The proposal is an amendment to the current copyright act instituting collective licensing and the payment by consumers of a monthly fee on internet and wireless accounts. This would basically be a government tax but with an opt-out option. Consumers could sign documentation stating they will not share files and face penalty for breaking their agreement. Creators could also opt-out. The proposal would not only benefit consumers, but also ISPs and the music industry. ISPs would receive an administrative fee and record companies would finally receive compensation for file-sharing. The collective would be responsible for tracking music file sharing and distribution of royalties and could be outsourced to firms currently doing similar work.
Overall, the system seems very reasonable and a solution to the secular downward trend facing the record industry. The proposal is broad in its strokes, but it is the details of voluntary collective licensing that make it difficult which are not addressed. Issues such as how royalty streams are fairly distributed, misuse for non-music materials, cheating by artists, impact on record companies and current providers of legal file sharing are not fully tackled. Still the proposal takes the next steps necessary to move the method forward.
tagged canada collective_licensing copyright eff electronic_frontier_foundation file_sharing free_music isp_licensing isp_tax music_piracy new_economy piracy proposal s.a.c. voluntary_collective_licensing wired by neild ...on 15-APR-09
This is Fred von Lohmann of the Electronic Frontier Foundation's whitepaper on voluntary collective licensing. The EFF has been a proponent of the idea since 2004 and put its seal of approval on current attempts to give life to the idea such as Choruss. The idea has gained traction with both Warner Music and Universal expressing interest. There has been a plethora of comments by writers, bloggers, panel discussions regarding the subject.
The paper presents voluntary collective licensing as a method to combat digital music piracy and create a legitimate revenue source for the flailing music industry. It lays out the precedent, the idea, the logic and the advantages. Voluntary collective licensing could be a way to monetize file sharing and hence provide the creators with compensation for their work, but at the same time provide consumers with what they have wanted all along, complete and uninhibited access to music. Since the creation of Napster, peer-to-peer file sharing has resulted in a secular decline of the music industry. Even through numerous evolutions and legal battles, file sharing has continued illegally and impacted recording artists. Consumers have been sued and accused by record companies of piracy, all of which has resulted in ill will towards record companies and little revenue generation for artists. Lohmann lays out the reasons voluntary collective licensing is needed including artists deserving to be compensated for their work, file-sharing has become the normal mode of music distribution, fans are in fact the best distributors, decision makers and preserves of music and finally the importance of letting the market drive innovation more than the government.
Voluntary collective licensing is compared to the system currently used by radio stations and insights are provided on how the concept will alleviate piracy in the music industry. The idea is to form "collecting societies" similar to ASCAP, BMI, and SESAC which provide music fans with unlimited downloading in exchange for a reasonable monthly fee. The fees would be collected through a variety of sources including at the ISP, university networks or subscriptions (similar to Rhapsody). All money would move to a central organization who would distribute compensation to artists based on popularity of their music, the technology for which already exists. The whitepaper further answers the most obvious questions including antitrust, division of money, and the impact on unwilling artists.
The Higher Education Opportunity Act made it mandatory for universities to provide alternatives to illegal peer-to-peer networks.


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Music Venues
Places (29)
Showing 21 - 29 of 29
The Southgate House Revival
111 E. Sixth St., Newport KY 41071The Southgate House will live again, albeit in a new location, beginning this fall. Ross Raleigh, who owned the Southgate House when it was housed in...
A Music Cafe
1513 Ohio 28, Loveland OH 45140A music and entertainment venue combined with a bar/nightclub have moved into the old location of Lodge Bar.
2621 Vine St., Cincinnati OH 45219Bogart's is the venue of choice for many area college students looking to rock out without having to travel too far. Both small bands and big-name...
Bangarang's of Covington
620 Scott Blvd., Covington KY 41011The former location of Mad Hatter is now open as Bangarang's of Covington. Bangarang's will similarly host a variety of local and national music...
Rake's End
2141 Central Ave., Cincinnati OH 45202Bar, performance venue and art gallery.
Kings Island Timberwolf Amphitheater
Category: Music/Christian
Kings Island's in-park music venue features more than 9,000 seats, concerts of all kinds and, often, fireworks.
Northside Tavern
4163 Hamilton Ave., Cincinnati OH 45223A bar with the feel of a neighborhood bar, but oh, what a neighborhood. It's a mix of college students, college professors, hippies, wanna-be hippies...
20th Century Theater
3021 Madison Road, Cincinnati OH 45209Located right across from Oakley Square, the 20th Century brings in national and local music acts. It offers full service bars, catering, a dance...


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Thoughts on the Managerial Search
A few weeks ago I scoffed at the idea that Bobby Valentine was a serious candidate for the managerial role in Boston. Fast forward to today, and it seems as if he is not only a candidate, but the odds-on favorite to win the position.
The 62-year-old Valentine's most-recent MLB gig was 10 years ago, when he finished in last place with an overpaid, aging Mets team (my apologies: "overpaid & aging" and "Mets team" is a redundancy). I admit to not being very familiar with Valentine's managerial tactics. Neither is Dan Shaughnessy, it seems. However, that did not stop Danny Boy from penning an entire column on why Valentine is the right guy for the job. Oh, sure, Dan mentions interesting tidbits, like the fact that Valentine is Ralph Branca's son-in-law, and the fact that he has a cult following in Japan. Not much was said about Valetine's actual track record and tendencies as a manager, though.
I think that I should be an astronaut. Why? Well, I may or may not be a direct descendant of the Bourbon Kings of Naples, and I can belch really, rally loudly on command. The above statement makes just about as much sense as much of Shaughnessy's column promoting Valentine. Here is the most memorable trait of Bobby Valentine: he once wore a Groucho Marx mask while hiding in the dugout after being ejected. It made Sportscenter.
Valentine is a pseudo-celebrity, and Dan's one salient point is that this might help him in the leadership department. Players might be more prone to respect a guy with star power. While I can agree with that, there's a whole lot more that should go into this type of analysis, and as of now, I haven't read much else in the media's argument for Valentine.


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By: DomANDdesign
Designer's Playbook, a brand new series for all budding game designers and gamers alike! Designer's Playbook discusses LA Noire from a game design point of view based on research of leading designers and game theories. HD YouTube Link: http://youtu.be/U6vuo6aeixI?hd=1 Enjoy!
Views: 3,921 | Posted: 01/17/2012
By: BLEE427
As Thanksgiving has passed on, Brian decides to take a look at what the gaming community - as well as himself - can be truly thankful for this year. It's the ability to give gratitude to gaming in order to truly appreciate it. Is his list similar to yours? ________________________________________________________________ YouTube: http://www.youtube.com/blee427 Twitter: @RighteousBrian Website: http://www.thegameanthropologist.com ________________________________________________________________ Check out the sites I mentioned: http://www.fatuglyorslutty.com http://www.gamepolitics.com http://www.videogamevoters.org
Views: 891 | Posted: 12/19/2011
Rockstar gives PC gamers a shot at solving a string of mysterious murders in this PC launch trailer.
Views: 28,489 | Posted: 11/08/2011
Prepare to blow the lid off of a reefer ring in this new case!
Views: 50,974 | Posted: 07/07/2011
By: xxHIMxx
NOTE: Episode 20 will not upload to GT, it can be viewed in the following link. http://www.vimeo.com/23485193 Episode 21: Undertaker HD Link: http://www.viddler.com/explore/Him/videos/23/ GTA IV has a great story with great action, I had always thought with the awesome ingame editor someone could make an awesome Machinima with it. So now Ive begun the ridiculous task of doing it my self and this is the result... Disclaimer: I OWN NOTHING. I ONLY EDIT AND TAKE NO CREDIT FOR ANYTHING THAT ISN'T MINE. NOTE: Episode 20 will not upload to GT, it can be viewed in the following link. http://www.viddler.com/explore/Him/videos/22/
Views: 817 | Posted: 06/27/2011
By: Gary
Top 10 Video Games Graphically! Subscribe to my Youtube Channel Gavinchi88 to view all my videos in HD
Views: 18,539 | Posted: 06/20/2011
First shot gun fight reminds me of They Live Visit http://www.hdgamespoilers.com/lanoire for more HD Trailers, Highlights, Let's Plays, and No Commentary playthroughs of LA Noire. Facebook: http://tinyurl.com/HDfacebook Twitter: http://twitter.com/HDgamespoilers Leave a comment for me to read if you can. Thanks for watching.
Views: 604 | Posted: 06/20/2011
By: SilentBloodShed
Awesome Noire made by Egorapter. Source: http://www.youtube.com/watch?v=TsKi5ZvB64U
Views: 1,236 | Posted: 06/20/2011
By: SolidSteveQ
If you haven't played Deadly Premonition I suggest you pick up a copy.
Views: 873 | Posted: 06/20/2011
Posted: Aug 30, 2012
Posted: Jul 18, 2012
Posted: May 29, 2012
Posted: Feb 13, 2012
Week of
Dec. 15
Week of
Dec. 22
Week of
Dec. 29
Week of
Jan. 05
Week of
Jan. 12
Release Date: 12/17/2013
Pummel your way through floor upon floor of goons to ascend the towers of this corrupt city.
Release Date: 12/17/2013
Release Date: 12/17/2013
Mine and build by day! Survive by night! Minecraft asks you to take on a randomly generated world and all of its...
Release Date: 12/24/2013
Halo comes to Windows Phone 8 with an all-new adventure.
eshop, 3DS
Release Date: 01/09/2014
Using real objects and the 3DS camera, Chib-Robo comes to life in this new adventure found on Nintendo's eshop.
Release Date: 01/14/2014
Follow Aveline de Grandpré through 18th Century New Orleans in Assassin's Creed III: Liberation.
Release Date: 01/14/2014
Xbox 360, PC
Release Date: 01/15/2014
Follow Aveline de Grandpré through 18th Century New Orleans in Assassin's Creed III: Liberation.


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I still don't know who that is or what he's from, but it's awesome. 9/10
I still don't know who that is or what he's from, but it's awesome. 9/10
It was Sherlock homes from the bbc series.
7/10 as I still don't know who they are.
Eminem, nice choice 10/10
Dead Snow 10/10
We know.
Skyrim 10.1/10
Psst. I know who you are. Hail Sithis. 10/10
I haven't got to that part yet but still skyrim so 10/10
It's not part of the main quest, you need to do a side quest to join the Dark Brotherhood. 6/10
Hand print 10/10
Zombie nazi 9/10
No idea what it is but he looks like trollface's younger brother. As 2K's favorite troll, I am obliged to give nothing less. Problem?
I think it's skyrim so 10/10
Eminem is not meh you are meh.
I'd say I'm the one person on these forums who likes Eminem more than you do, Atlas.
8/10 for crazy looking
Really I-ChooseTheImpossible? I'd like to see you beat my levels of fanism. My nickname is Stan at school. Infact I'm such a fan I'll rate my own avatar 987654321234567890987654321234567890/10. Ha!!
I know every one of his songs word for word, I have every album he has released, I have his book, I have a big signed picture, I shelled out $350 to get front row tickets also known as the "lose yourself zone" at his concert in Australia last year.
As for your avatar, 987474694986468754794126523/10
I listened to one of his songs once...
Looks like I have competition, I have 4 CD's so far, have a Not afraid poster, know all the song I have word for word and haven't gone to any concerts for the simple reason that he hasn't come to the UK in ages. oh and I learnt about him earlier this year.
As for the avatar 8/10 for zombie.
6/10 once again. Mine isn't readable at the size it's at, but it says: Notice: This image has been found in violation of H.R. 3261, SOPA and has been removed
Lol Way to protest! 10/10
zombie 8/10 again
Looks cool.
What is this unholy witchery.
Cool meme 9/10
don't know what it is 5/10
I don't even..
It's Shane from Walking Dead, you're ignorance disturbs me.
I don't like ponies, I like rainbow ponies even less 1/10
7/10 for Shane
Daddy, I approve of your avatar.
I do not 1/10
Ponies are awesome 7.5/10
Indeed they are. 8/10
Ponies especially rainbow ponies are not cool,
The Hunger Games on the other hand is incredible.
Hunger games...... win 10/10
deadmau5. I approve. 8/10.


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These days less feely and more touchy.
I tried to fuck myself,but I was refused entry
Chattycathyg STFU
Sometimes I have angry, hate sex with myself
Hate Club Says, Fuck You & the Whorse you rode in on
Have I stumbled into the bar by mistake?
As Woody Allen once famously said, masturbation is sex with someone I love.
All things being relative, I'm relatively pleased with my relationship to my relatives, relatively speaking!
RobinsBedSores/Sally B shot dead 11/10/13. Never Forget.
We are very happy!


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Speakers & Subwoofers
Yamaha YAS-101BL Front Surround System, Piano Black
One-body system with built-in powerful subwoofer. Easy setup, stylish design and luxuriously rich surround sound - this soundbar takes video enjoyment to a new level.The YAS-101 does not have an analog input for devices like MP3 players.
Yamaha Bookshelf Speakers
"I must say, when I bought these I wasn't expecting a whole lot. First, I didn't expect them to be much bigger than the bookshelf speakers I already had (I bought the Yamaha RX-371 that came with 5 speakers and subwoofer, which for starting out were great) Holy crap, these things are bahemoths compared to those. The woofer on this is basically as large as my old speaker itself. So after that, I..." --infuriatedrain
Yamaha 5 inch 3-Way Bookshelf Speaker System - NS-AM380SBL
Unique looking design with durable rubber finish surface catches attention. New bookshelf speaker system reproduces high quality Natural Sound
Yamaha YHT-597 5.1-Channel Network Home Theater System
The all-new Yamaha YHT-597 Home Theater System from Yamaha really packs a punch. This powerful system provides simple operation with network control via free Yamaha AV Controller App, plus enhanced audio capabilities with CINEMA DSP 3D for an enveloping home theater experience from a 5-channel speaker package and a powerful 8" 100W Subwoofer. With expanded Apple connectivity, including...
Yamaha NS-AW190WH 2-Way Indoor/Outdoor Speakers (Pair, White)
Yamaha's NS-AW190WH 2-way, all-weather indoor/outdoor speakers feature weatherproof terminals, 120 Watts max input, 6 Ohms impedance, magnetic shielding, fully adjustable mounting brackets, and aluminum grills.
Yamaha YHT-595BL Complete 5.1-Channel Home Theater System
The Yamaha YHT-595BL is a powerful system for use with Blu-ray players and flat panel displays, featuring a 105W 5-channel AV Receiver with HD Audio decoding, 1080p-compatible HDMI with 3D and Audio Return Channel. iPod/iPhone and Bluetooth compatibility, 4 SCENE buttons for easy control with 5-channel speaker package and 8" 100W Subwoofer.
Yamaha YST-FSW150BL Advanced YST II Down-Firing Active Subwoofer
Yamaha YST-FSW150BL Advanced YST II Down-Firing Active Subwoofer is a new shaped subwoofer with Yamaha's latest technologies, including Advanced YST II, Linear Port and down-firing Active design plus. The Rack Mountable Design matches the surround systems and micro component systems. This subwoofer both employs a high performance and down-firing active design. Even though compact, it...


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The hostel is located in the safest area of SP, two blocks away from Paulista, a 15 min walk to Ibirapuera. Nice breakfast. Probably the most friendly staff in Brazil! Clean, safe(!), in a clean area!
- Also Known As:
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You're watching...
Gun owners come out in support of 'Gun Appreciation Day'
Catherine Herridge reports from Warrenton, VA
Jan 19, 2013
You're watching...
Catherine Herridge reports from Warrenton, VA
Jan 19, 2013
Also in this playlist...
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A huge show of support today across the country for the Second Amendment days after President Obama laid out some of the most aggressive gun control proposal in decades.
Advocates are holding rallies for what is being called national -- appreciation day.
Chief intelligence correspondent Catherine Herridge is that Clark Brothers gun -- -- she -- more details.
Hello Catherine -- Well thank you and welcome to Warrington Virginia here Clark Brothers.
We'll find in the parking lot is that is packed this morning also the rage behind me I got a fairly significant weight.
A -- the gun owners we spoke to today said that they had come specifically to mark.
-- appreciation day of what they say is to recognize.
The sanctity of the Second Amendment -- gondola and they said that he believes as they've all said in responsible gun ownership.
But they believe President Obama is simply targeting the wrong people.
I don't think it addressed any thing close to what the real problems.
Trying to.
Outlaw certain black guns because they're black guns and hold large rounds of ammunition isn't gonna do anything to stop those those.
Why he came to.
What we can't tell you today is how many gun shops and gun ranges like Clark's brother is here in Warrenton Virginia.
Are participating in gun appreciation day we can tell you how many.
Gun owners inside the United States.
Our meeting informally to recognize this day what we heard from the organizers earlier in the week is that they just wanted to make a message.
That the Second Amendment is a constitutional right this is about.
A very specific right for all Americans earlier today we spoke to another got gun owner who explained why he came.
I don't I don't really something that -- -- attack.
If it's our men and second there's a right have arms if we come out here it is.
Should a weapon -- fire weapon at some of -- -- -- that's our constitution itself.
There's clearly another side to this arguments.
Critics have said.
That the people who support gun appreciation day.
Today really show a certain amount of political tone deafness coming right before Martin Luther King Day and also in the wake of Newtown Connecticut Kelly back to -- -- chief intelligence correspondent Catherine Herridge thank you.
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You're watching...
Guilt-free Super Bowl snacks
Win your Super Bowl party
Jan 31, 2013
You're watching...
Win your Super Bowl party
Jan 31, 2013
Also in this playlist...
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Did was say it I don't about the teens let's talk about your party at all right if you're gonna throw a Super Bowl party or you just want some tasty treats them -- from.
I'm wondering Victoria.
-- caucus here she is -- the author of the bestselling book.
Eat more of what you -- and some.
Simple and delicious goodies to share welcomed warmly welcome back well thank you thank you for having me back it's -- -- -- you know the thing about these next they look familiar.
Four Super Bowl parties but there are so few calories you won't feel guilty about eaten all of them.
Exactly you know next to Thanksgiving super ball as the highest caloric date -- the year we thirty million pounds of us now.
On super ball and about twelve -- carries for person.
Before -- -- feature any real food you know chips since I love this one because everybody loves -- it's my mind that -- chicken fingers.
How this is really sad so we're looking at the biggest thing -- -- buffer but people are those little chicken wings and chicken wings have almost no protein in him so they're not satisfying.
And you're looking at about 700 calories before you start dipping compared to what I did is they take this -- tryst at the rate went -- -- -- -- right at some hot right.
And what you're gonna get Michigan to get this really really nice textured.
Crime and when you could -- ball -- -- have to do is add some garlic powder and in powder time in packer.
It's mix that stirred around and these have mustard on him for that works -- really great master tapes Genentech.
You roll those in two.
Your crimes and look at this you've got fried chicken going on here now these are about 230.
Calories for to a -- For a council could meet and I thought that really nice piece of white -- pro eighteen -- and if you go on his image -- bring your own flaws because -- -- -- -- -- -- exactly let's go down to the -- artichoke dip it.
It is and it charted -- get I think that's the most favorite -- that people -- talking billion all the bars with your beer it's got spinach -- -- got spinach which is important it's got spinach it's got artichokes but here's a special trip from my -- Instead of putting it happened nannies and that we do believe it happened Manning has 1440.
Carries more -- 18100.
I'm putting my -- and spinach Annie is a combo light mayonnaise like cream cheese and light sour cream -- -- -- -- carries a taste and they won.
Owls then when you didn't -- Their -- so this -- has 75%.
Less fat.
So you're either you just made -- new years resolutions you wanna pick out -- and it's good potentially keep saying it and dangerous you have -- -- -- down.
Right -- dangerous.
And this morning where you really think.
We got that BC Chile -- not just instead of 16100 calories in the normal portion -- -- a 160.
Or make an miraculously cheese sauce I slipped -- -- and -- and lower fat meat it's amazing you can't have all the page allowed.
And these are camp now cheese wires there are amazing.
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Somebody up front I -- look it's a legitimate proud to have a the whole crowd can enjoy and you know what diet -- -- -- -- people trying to watch what they eat you can have everything you want me.
It got him -- We're recipes go to new FOX & Friends are -- all the in the book eat more of what you love and -- -- the biggest -- is heating.
-- -- regularly but that's exactly that even surges very -- Good luck onto -- and those were invited.
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From the program: Elder Law Institute (25th Annual)
Released on: May. 1, 2013
The 25th Annual Elder Law Institute presents current legal topics that are of importance to your older clients, and all your younger clients with aging parents. Many of the subjects covered this year focus on planning for incapacity, paying for health care, and maintaining the legal autonomy and dignity of your aging clients. The subject of elder law is becoming a part of every practice - we cannot stop the aging process, nor the reality that ...
Update on the change to Medicaid Medicaid eligibility and how to use it to cover the high cost of long-term care New developments in the elder law field, including a review of new legislation and how it impacts on your clients Ethics in elder law - understanding the unique ethical boundaries when dealing with older clients and their families
From the program: Elder Law Institute 2011 (23rd Annual)
Recorded on: May. 5, 2011
Taken from the Web Program Elder Law Institute 2011 (23rd Annual) recorded April, 2011 in New York. Lecture Topics [01:04:21] Overview of Elder Law Update [01:04:21] New and revised New York Statutory Power of Attorney and Statutory Gift Rider New York State Family Health Care Decision Act New York State Health Care Proxy Law "Homestead" Medicaid The purchase price of this segment includes ...
From the program: End-of-Life Planning for the Low-Income Client (Free)
Released on: Jul. 12, 2013
End of Life Planning is, like Death and Taxes, one of those things that can go from an easy, informative and straightforward conversation to a drawn-out nightmare if ignored. Low income and very low-income clients, unlike the average middle class client, frequently do not understand the importance of, for example, having identified caretakers for their minor children in place. They frequently resort to "no planning" or improvised planning which does ...
Published: September 1995Last Updated: September 2013
Nathan A. Schachtman ~ Nathan A. Schachtman, Esq., PC
Gary A. Adler ~ Bingham McCutchen LLP
Sabine Chalmers ~ Chief Legal & Corporate Affairs Officer, Anheuser-Busch InBev
All Contents Copyright © 1996-2013 Practising Law Institute. Continuing Legal Education since 1933.


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"Patience is necessary, and one cannot reap immediately where one has sown."
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Soren Kierkegaard
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Take away paradox from the thinker and you have a professor.
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Just as in earthly life lovers long for the moment when they are able to breathe forth their love for each other, to let their souls blend in a soft whisper, so the mystic longs for the moment when in prayer he can, as it were, creep into God.
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Police Blotter Page 3 Rambler Feature: Alcoholism Page 11 Residence Life Pages Volume 61. Number 2 SUNY College of Technology at Formingdale September 12,1990 flamblep The Mqndat^ Student Health Fee...Yes, Another Fee ! UBRAHV/SERIALS Dti^l. By Joe Puccio On September 6th, 1990 there was a press confer-ence held at SUNY Stony Brook where students and student representatives voiced their concerns about a pro-posed mandatory $50.00 Student Health Feeto be insti-tuted throughout the SUNY system. The press conference was attended by News 12, Long Island News and New-sday, as well as reporters from several local student news-papers. Students from 9 SUNY campuses along with the Student Association of the State Univer-sity (SASU), were the center of attention at the conference as each took a turn and explained his/her own views on the Fee. Each person stated a grievance toward the pro-posed Student Health Fee as well as their reasons for wanting to see it defeated. Among the speakers were Dan Slepian, President of the Stony Brook Polity, Elizibeth Chute, SASU Executive Vice-President, Bessie Ortega, Co-Chair of the Na-tional People of Color Caucus, Anita Eliot, Vice-President of Campus Affairs at SASU, and Tom Pye, Junior Representative at S tony Brook. There were numerous ar-guments opposing the Fee which included the fact that the 65 page study (submitted by Albany's Vice-Chancellor of Student Affairs Frank G. Pogue (518) 443-5137) conducted to determine the quality of health care here at Farmingdale, was completed without any input from the students who interact with the infirmary. In addition this Fee will NOT improve services or help hire new personnel, nor will it even counteract the statewide -cuts made to SUNY's Health Budget which have caused Farmingdale's infir-mary to now be closed on weekends. There was much pertinent information given at the conference, not the least of which included the negative impact this Fee will have on the many minority groups who live with low incomes, relying entirely on financal aid or TAP funds. This Fee was recently approved by the Student Life Committee, a subcommittee formed by the SUNY $50.00 And Rising? Central Board of Trustees, and will be submitted to the Board of Trustees for FINAL APPROVAL on September 27. The fact of the matter is this: these students are protesting a mandatory Student Health Fee which will START at $50.00. "Start" is the key term, as the Fee will INCREASE BY $10.00 EVERY YEAR! There is NO maximum on how high the Fee can go , although a sug-gested cap was stated to be $300.00. Last year the students of SUNY Farmingdale were faced with a similar problem when a $ 132.00 Parking Fee was proposed by SUNY Central. That Fee was to be paid by SUNY faculty and staff, eventually to affect students as well! The proposed Fee not only did not im-prove parking conditions, but it did not even guarantee students, staff or even faculty of getting a parking space! The biggest difference between the current Health Fee and last years Parking Fee is that the Parking Fee was instituted at the OPTION of each individual campus. The Health Fee will be State Mandated, meaning every student at every university must pay this new Fgc or not go to school. In reaction to this new proposed Health Fee, the students of SUNY Buffalo not only protested, but stormed into the Administration Building of their school, disrupting activities there for hours as power to services such as elevators was cut in an effort by Administrators to try and stop the inflow of students. This fee will be over and above a student's tuition costs and will not be covered by the majority of scholar-ships, Tuition Assistance Program (TAP) or financial aid programs! If anyone desires additional information regard-ing the Health Fee, feel fre to contact local member of the SUNY Central Board of Trustees, Hazel Dukes, at (212) 704-5283. On campus, students may call Farmingdale Pro-vost, Michael J. Vinciguerra (Vin-Ce-gera) in the Admini-stration Building, at 420-2239, for more information or materi-als relating to the new Health Fee. In addition to the mandatory Student Health Fee, a $200.00-$300.00 mandatory Student Health Insurance Fee has been proposed for approval sometime next year. It is an in-dependent fee and will be charged IN ADDITION to the Sttident Health Fee, which could mean and additional combined cost of up to $600.00 for every student! The original idea behind the establishment of the SUNY system was to make ac-cessible, a quahty education for all New York State students at an affordable price. The Stu-dent Health Fee and the upcom-ing Sujdent Health Insurance Fee distinctly contradict these basic qualities as they do not improve the campus in any way. They only help to.take another step toward making in-accessible, a college education for the great number of low-income human beings who will likely not be able to raise these additional funds out of their own pockets. Last year Governor Mario Cuomo defied state legislators and vetoed the bill that would have raised student tuitions rather than lead to the necessity of new fees. True, the tuition raise would have been another $200.00, but remember, scholarships, (TAP) and financial aid would have helped pay those costs. Now the students of SUNY are looking at an increase of up to $600.00 with, quite possibly, no aid at all. Some information and materials for this story were obtained in conjunction with Erik Johnson and the New York Leader. PHOTO BY JOE PUCCIO ROOSEVELT HALL LIVE Tueday, September 25, 1990
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Federal loan limits stay the same for metro Phoenix borrowers
Metro Phoenix Housing Market Update
New site to check out metro Phoenix comps for free
Most Metro Phoenix homeowners are seeing their property values rising again. With changes that can be seen monthly, once again it's become a more pleasant pursuit to check out websites showing comparable sales and home-price estimates. Real-estate research firm Netvaluecentral has expanded and has a new site free to people who want to check out home values in Maricopa County. Find it at www.propertyvaluecentral.com. By entering a property's address, interested homeowners, sellers, shoppers and looky-loos can find out a house's estimated value or monthly rental rate, recent comps, taxes and nearby foreclosures. "And if the homeowner registers, we will e-mail them any changes in the neighborhood that could impact the value of their property," said Dave Bignoli, Netvalue president. To help homeowners understand how to use the site, the company put together a video. Find it on YouTube by searching "HomeOwnerPVC". Netvalue is selling sponsorships of neighborhoods to real-estate agents. Bignoli said almost 150 agents have signed up so far to have their name and information come up for a Valley ZIP code, square mile or subdivision. It costs real-estate agents about 15cents a home to sponsor a neighborhood.
More homes for sale in Phoenix, more buyers able to purchase
DMB's first retirement community to go up in Buckeye's Verrado
cottsdale-based DMB Associates launched its first retirement community, Victory, on Tuesday. The development will go up on 1,200 acres within Buckeye's 8,800-acre Verrado. The first phase of Victory's 3,500 homes will be offered for sale in January 2015. Prices aren't yet available. "We've created a neighborhood in our thriving small-town community of Verrado, where people can explore the life they have waited to live for at least 55 years," Charley Freericks, president of DMB, said from a bluff in the White Tank Mountains overlooking Verrado. Freericks said Victory is changing how communities are planned to provide "meaningful and authentic experiences for Baby Boomers." DMB spent the past few years talking to lifestyle, health and medical experts to design a place that meets the needs of the next wave of retirees. The company is known for its planned developments, including DC Ranch in Scottsdale, Verrado in Buckeye and Eastmark in Mesa. "The Boomer generation looks realistically at living to 100 years old," said Nick Taratsas, DMB senior vice president and general manager of Victory. "Victory provides the necessary flexibility for Boomers who want to work, stay healthy, have fun and be actively engaged in the community," Taratsas added. DMB hired international architectural-planning firm Hart Howerton to design the center of the community. Victory will be the first active-adult community in Arizona to offer homes built by multiple homebuilders. More information on Victory and home sales will be available in the next few months.
Investors are still buying metro Phoenix homes
Higher home prices haven't deterred all investors. During July, 27 percent of all houses sold in Maricopa County were purchased by investors, according to the latest monthly real-estate report from Arizona State University. That compares with 40 percent in July 2012. Metro Phoenix's median home price has climbed more than 60 percent during the past two years. Investors dominated the Valley's housing market in 2010 and 2011, when buyers who purchased houses to turn them into rentals or flip them for a profit accounted for 50percent or more of home sales. Most of the houses purchased by investors a few year ago were foreclosure houses because lenders were taking back as many as 5,000 houses a month. Now, monthly foreclosures have fallen below 700, so investors aren't buying only inexpensive houses taken back by lenders. All buyers are paying more for houses. Metro Phoenix's median home-sales price has climbed more than 60 percent since late 2011.
New-home market slows down
Meritage Homes moves into Nashville
Scottsdale-based Meritage Homes is expanding in the Southeast. The publicly traded homebuilder is purchasing Nashville-based Phillips Builders for an undisclosed amount. The family-run Phillips is privately held and builds houses priced between $175,000 and $425,000. Phillips Builders has constructed more than 20,000 houses in Nashville since 1952. With the deal, Meritage is also getting 500 lots in Tennessee's capital city. Meritage Chairman Steve Hilton said the builder plans to sell 150 to 200 houses in the Nashville area during 2014. The Arizona builder will operate under the name Phillips Builders in Nashville. Company executives Jason and Charlie Phillips will continue to lead the Tennessee operation.
Metro Phoenix new home construction slows in July
New-home sales and building permits in metro Phoenix don't reflect the market recovery that started last year. In July, 888 new-home sales closed, up slightly from 856 in June, according to RL Brown Housing Reports' latest Phoenix Housing Market Letter. Last month, builders took out 1,190 single-family permits for new houses across the region. That's down almost 9percent from July 2012, when 1,303 permits were issued. "It's like there was a lid on the market," is the title of Brown's report. Factors slowing homebuilding are a supply-side shortage in materials, lots and labor, combined with buyer concerns about affordability because of rising interest rates and home prices. In a midyear forecast offered in late July, analysts with RL Brown Housing Reports affirmed the homebuilding market is still in a recovery, but the number of houses that can be built will be limited during the next few years. A forecast in January projected the construction of 16,000 new houses in metro Phoenix in 2013, up from 11,500 in 2012. Now, about 13,000 new houses are expected to be built, analyst Greg Burger said. This likely means new-home prices will continue to rise faster than average. The average price of a new home has climbed 24percent in the past year, according to RL Brown.
Boomerang buyers expected to be behind one out of five Phoenix home sales this year
Early in the housing crisis, financial experts estimated it might take up to seven years for people who lost a home through a foreclosure or short sale to qualify for a mortgage to buy again. Thousands of new Phoenix-area homeowners are proving the experts wrong. These "boomerang buyers" — so called by real-estate insiders because they were out of the market and have now come back — have returned as a major market force much earlier than expected. Many buyers are qualifying for a new loan only a few years after defaulting on their last mortgage. Boomerang buyers are expected to account for almost one in every five home sales in metro Phoenix this year, according to a national housing analyst. That's double the projected U.S. rate. The boomerang phenomenon is being driven by several factors. Many former owners face rising rents, and now that their finances and the housing economy are more stable, they want to own again. And many of these tens of thousands of metro Phoenix families who are renting are attractive to mortgage backers and some lenders again because they have rebuilt their credit and because any purchases they make add strength to the real-estate recovery. "Probably 25 to 30 percent of the borrowers calling us now have had a short sale or foreclosure in their past," said Mike Metz, managing director of Scottsdale-based Sun State Home Loans. Lenders and government agencies backing mortgages do require steep down payments and decent credit scores from most boomerang buyers. The sooner a loan application comes after a foreclosure or short sale, typically the more up-front money is required. These former homeowners, like many other prospective buyers, are scrambling to make a deal before home prices and interest rates climb too high. "Foreclosed homeowners who are now renting are in a panic," said John Burns, a national real-estate analyst. Metro Phoenix has a bigger pool of potential boomerang buyers than most areas. More than 250,000 houses in the region were foreclosed on during the crash, and 80,000 other borrowers sold homes through short sales to avoid foreclosure. Approximately 22,000 home sales, or 19 percent of all home sales, in metro Phoenix this year will involve boomerang buyers, according to an estimate by Burns' company, Irvine, Calif.-based John Burns Real Estate Consulting. "Phoenix is the third-biggest U.S. market for boomerang buyers," Burns said. The California metro areas of Riverside-San Bernardino and Los Angeles are No. 1 and No. 2, respectively. The many prospective buyers also face a challenging market in metro Phoenix because of the shortage of the number of affordable properties for sale. Buying again Phyllis Borchardt is one recent boomerang buyer. She and her husband, Larry Fetkenhauer, bought a Sun City Grand home in May for $138,000, blocks from the house they had rented for three years. The couple had moved from Temecula, Calif., in 2005 and bought a house for $250,000 in Buckeye. As home prices fell and Phyllis' business as a real-estate agent brought in less money, the couple tried to refinance to lower their mortgage payment through the federal Home Affordable Refinance Program, or HARP. After submitting documents to their lender for a year, the couple still weren't approved for a loan with a lower interest rate. Then, in 2010, Fetkenhauer lost his job as a kitchen designer at one of the big-box home-improvement stores. "Our house was worth $80,000, and we could no longer afford the payments on a loan for much more," Borchardt said. "We got tired of getting poorer as our lender got richer." The couple were able to find a buyer and sell their house through a short sale to avoid foreclosure. Still, their credit scores took a dive. The couple spent three years making sure they paid their bills on time, even though Fetkenhauer wasn't able to find a well-paying job until last year, when he started driving a big-rig truck. "Getting a mortgage wasn't easy," Borchardt said. "Larry had been driving a truck for six months, but the lender didn't think that was a long-enough income record. I didn't think we would be able to close. I was completely stressed out for six weeks." The couple are renovating their 1,100-square-foot house and plan to retire there. They were able to get a VA loan backed by the Department of Veterans Affairs that required very little money down because Fetkenhauer had been in the service. But that's not the case for most boomerang buyers. Tighter financial scrutiny The path back to homeownership for boomerang buyers generally involves a hefty down payment and good credit, but it can vary as much as the individual circumstances that led to a foreclosure or short sale. Some mortgage guarantors, such as the Federal Housing Administration and the VA, are requiring only a three-year wait for a new mortgage loan after a foreclosure. Other borrowers can qualify for a mortgage backed by Fannie Mae if they have 20 percent of the purchase price saved for a down payment and a credit score of at least 620. Borrowers with foreclosures or short sales before the crash typically had to wait five to seven years to qualify for another home loan. But last year, the big government-sponsored mortgage backers started changing their rules to allow homeowners who went through foreclosures or short sales to qualify for new mortgages sooner. The changes are part of a U.S. government plan to help the housing market recover. Not all lenders are participating, though, so boomerang buyers may have to shop around. "A lot of people have become involuntary tenants," said Mike Orr, real-estate analyst with Arizona State University's W.P. Carey School of Business. "But we are coming to the point where a lot of former homeowners are coming out of the penalty box with lenders and can buy again." HomeSmart real-estate agent Yamile Hirsh is working with several clients who believe they are weeks or months away from qualifying and are carefully watching interest rates and home prices. "I have boomerang buyers counting the days off on their calendars until they can buy again," she said. Many of them had purchased at the peak of the housing market or had refinanced and cashed out much of their equity. Then home values fell, and the recession hit. Because of losing a job or having their income cut, many of these homeowners no longer could afford their payments. Homeowners who walked away from a mortgage they could afford likely will have more problems qualifying for another loan than borrowers who tried to work with their lender or applied for home-loan modifications, lending experts said. Mortgage brokers advise aspiring boomerang buyers to save their money and pay their bills on time so when the day comes, they have a better chance of qualifying for a government-backed mortgage. In general, those who completed short sales will be able to get back into the market most quickly — in some cases, two years after their short-sale closing. Those with foreclosures may be able to buy after three years if they can qualify for an FHA or VA loan; otherwise, they may have to wait longer. Tough competition Qualifying for a mortgage could be less difficult for many boomerang buyers than finding a house to purchase. The number of properties for sale in metro Phoenix is near a record low. Investors snapped up most of the region's bargain-priced foreclosure and short-sale houses in 2011-12, and many owners are waiting for prices to climb higher before trying to sell their homes. In 2006, Sergio and Esperanza Trejo lost their Glendale house to foreclosure; they fell behind on payments because of medical bills and couldn't complete a short sale. While the couple rented, they saved their money. Last year, they qualified for an FHA loan with a 25 percent down payment, according to Hirsh, the HomeSmart real-estate agent. "We looked and looked at houses and made almost a hundred offers during about six months, but the Trejos kept getting outbid by investors," Hirsh said. "They were getting so discouraged and finally decided to pull money out of their retirement and compete with investors by paying cash." The couple paid $72,000 for a home in the San Tan Valley area late last year. The house was originally priced at $58,000 and drew almost 20 offers. The resurgent market means that buyers of all stripes have to pay more. Median home-sale prices are up almost 60 percent, to $185,000 from $116,000, since the market hit bottom a few years ago. Those who borrow face a double whammy. The average interest rate for a 30-year mortgage is now 4.5 percent, compared with 3.3 percent in January. One bright spot: Hirsh said now that there are fewer investors in the market, boomerang buyers who qualify for loans have a better chance. But with only 11,000 metro Phoenix houses now listed for sale that aren't already under contract, it could take some luck. ASU's Orr said the market needs more houses for sale to meet not only boomerang buyers' demand but demand from all buyers. Cheaper to own? The desire to own a home can be purely emotional, but the move also makes economic sense in the Phoenix area. Despite rising home prices and interest rates, industry analysts rate metro Phoenix as a market where it's cheaper to buy a home than to rent. That could change as interest from prospective buyers continues to climb. The shortage of houses for sale is boosting demand for rental houses, increasing monthly lease costs. Rental rates in metro Phoenix had been flat for more than a year but climbed 1 percent in June. The number of boomerang buyers eligible for mortgages is expected to grow annually until peaking in 2020. Demand from this growing group is expected to push up home prices across metro Phoenix for several years. "Prices and mortgage rates are trending up quickly, and the days where homeownership will be cheaper than renting will soon be history," said Burns, the national real-estate analyst.


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My oldest daughter created this 4th of July dessert with Grandma while I was napping on the couch. Yogurt, topped with red, white and blue fruit and trimmed with gluten-free brownie crumbs. A future chef!
One Response to Happy 4th of July!
Wow! What a beautiful presentation!
Your blog gets better and better!


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KTM first won the Dakar rally in 2001 and will be going for the company's twelfth consecutive victory in 2013. (There was no rally in 2008). In recent years the professional class has been safe the hands of KTM's factory riders Marc Coma and Cyril Despres, universally recognized as the best in the world. KTM Rally Factory Team colleagues in Parc Ferme and the sharpest of rivals out on the track, Coma and Despres have won the Dakar alternatively for the past seven years. Despres triumphed in 2012 so it is Coma's turn to try to steal the title in 2013.
KTM first won the Dakar Rally with Italian Fabrizio Meoni in 2001, who rode a KTM LC4 660R. Meoni returned in 2002 to take a second victory riding a KTM LC8 950R. In 2003, Frenchman Richard Sainct won on a KTM LC4 660R. It was his third Dakar victory. The following year he was killed in an accident competing in the Pharaons Rally. In 2004, it was KTM rider Nani Roma of Spain who was first across the line riding a KTM LC4 660 R.
2005 was the beginning of a hard fought competition between the riders who have since established themselves as the world's best – Cyril Despres and Marc Coma. Both ride for KTM factory supported teams. French-born but resident in Andorra, Cyril Despres took his first title in 2005 riding a KTM LC4 660R. The race also claimed the life of Meoni who crashed in Kiffa, Mauritania during the 11th stage of the race and later died of a heart attack. The 12th stage of the race was canceled out of respect for this 2-time winner. KTM's Spanish rider Marc Coma was second to Despres laying the foundation for what has become one of the sport's great rivalries.
It goes without saying that the stage is set of a battle royal in 2013.


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Rib ScarfUniform Grey Camel Hair
Worldwide delivery
with free returns
For help with your order, contact us
A simple, elegant scarf finished with a softly ribbed texture and a tiny Mulberry tree rivet.
The details
A long scarf which can be tied or draped around the neck.
- Mulberry metal branded tag
- Smooth flat edge
- Length
- 200cm
- Width
- 35cm
This product's code is VS2408-825C105