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Source: http://video.today.msnbc.msn.com/today/49487025/
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Saturday, October 20, 2012
Bank of Canada not seen tightening until fourth-quarter 2013
OTTAWA (Reuters) - The Bank of Canada will postpone interest rate hikes until the fourth quarter of next year and will likely water down rather than eliminate its hawkish language when it announces its next rate decision on October 23, a Reuters poll of market forecasters showed on Thursday.
In defiance of the global trend of easier monetary policy, Canada's central bank has signaled since April that it is looking at raising borrowing costs. But market expectations on the timing of such a move have been pushed back repeatedly by the sputtering global economy.
The Reuters poll of the 42 forecasters showed none expect a change on Tuesday in the central bank's main policy rate, now at 1 percent. The median prediction is for a first quarter-point rate increase in the fourth quarter of 2013, two quarters later than was forecast in an August 28 poll.
"There's a feeling that there's not a lot of flexibility here," said Mark Hopkins, senior economist at Moody's Analytics.
"The fourth quarter for rate hikes is splitting the difference between when they would probably want to start raising rates given economic conditions and the constraint that they can't get too far ahead of the Fed," he said.
Canada's 12 primary dealers, the banks that deal directly with the central bank as it carries out monetary policy, also forecast a fourth-quarter 2013 hike, the poll showed.
Central bank Governor Mark Carney is in a difficult spot. Rate hikes would go a long way to solving the headache of soaring household debt and a hot housing market.
But if he moves too far in advance of the U.S. Federal Reserve, he risks driving up an already strong Canadian dollar, which would hurt the export-reliant economy.
Despite their closely interwoven economies, there is a dramatic disconnect between Canadian and U.S. housing markets.
Canadian property prices lagged U.S. gains heading into the financial crisis, then soared to dizzying heights in cities like Toronto and Vancouver as buyers took advantage of the record low borrowing costs that followed the recession.
Now, as the battered U.S. housing sector is finally showing signs of a recovery, Canadian sales are dropping and some fear a U.S.-style collapse.
Finance Minister Jim Flaherty said on Thursday he may have to downgrade his outlook for the economy in a fiscal update due this Fall. Ottawa bases its fiscal projections on the average growth forecasts of a group of private sector economists.
EYE ON HAWKISH LANGUAGE
The Reuters poll was taken after a speech by Carney on Monday divided and confused many central bank watchers.
On the one hand, some analysts declared him more dovish because he said the bank's revised economic outlook would factor in the impact of heightened global uncertainty.
He also dropped a reference, made just two weeks earlier by his deputy Tiff Macklem, that gradual rate hikes "may become appropriate," language the bank has repeated since the spring.
Carney said instead the bank would take "whatever action is appropriate" to meet its inflation target.
But some analysts thought the central bank was simply opting to exclude specific language on policy because it was so close to the rate announcement.
Only one third of the poll respondents thought the bank would abandon its tightening bias completely next week.
But a majority - 21 of the 36 who answered this question - expect it to soften its hawkish language, while still tilting towards eventual tightening.
"The bias will be modified to more clearly reflect its long-term nature," said Benjamin Reitzes, economist at BMO Capital Markets.
A group of economists at the C.D. Howe Institute, a think tank, recommended on Thursday the central bank hold rates through April 2013 but said it now urges slower and more moderate increases in the rate than they had in August.
FED-LIKE TRANSPARENCY
Carney could deal with his conundrum by getting innovative in the Monetary Policy Report on Wednesday. Instead of providing the usual "base case" projections, he may lay out several scenarios for growth and inflation, depending on what happens in Europe, the United States and Asia.
He may have hinted at this in his speech when he said: "... we can be transparent about what we expect and how we would react to different scenarios."
Sebastien Lavoie, an economist with Laurentian Bank, is betting Carney will take this route.
"What the markets will realize is that most of these scenarios implicitly include interest rate hikes down the road," Lavoie said. "I think the main motivation of the bank, perhaps, is that they don't want market participants to price in rate cuts, these mythical rate cuts," he said.
Markets have been pricing in a small chance of rate cuts this year instead of hikes, according to yields on overnight index swaps, which trade based on expectations for the policy rate. Bets on rate cuts have typically spiked when fears about Europe's debt crisis have been at their worst.
Carney's interest in transparency could also lead him to go a step further and follow in the footsteps of U.S. Federal Reserve Chairman Ben Bernanke by providing more transparent guidance on the future path of interest rates.
In Canada's case, this would likely mean making clear to markets that the bias is toward rate hikes in the medium term even if the timeline for doing so may shift back and forth due to events in the rest of the world.
(Polling and additional reporting by Shaloo Shrivastava and Ashrith Doddi in Bangalore; Editing by Jeffrey Hodgson and Peter Galloway)
Source: http://news.yahoo.com/bank-canada-not-seen-tightening-until-fourth-quarter-184641666--business.html
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Tuesday, October 16, 2012
Milton Mortgage Brokers ? Internet Marketing For Lead Generation ...
Mat is a also a pastor at our?Church in Milton, The Village Community Church. ?Cliche as it may seem, he is as honest as they come, which I?m sure is a common characteristic among mortgage brokers, not just the ones who moonlight as a pastor.
The point here being that reverse mortgages are not always the right option for everyone so Mat will guide the home owners in the direction that makes the most sense for their equity situation and their individual financial needs. ?Often times refinancing the mortgage makes sense and other times a line of credit is a better option.
So why am I writing about Milton mortgage brokers, and what does it have to do with Internet Marketing or lead generation? ?Mortgage professionals, especially the individual ones that don?t work for the large banks or companies with deep pockets are faced with a huge amount of competition in the online space when it comes to lead?generation. ?So what can one do?
Lead Generation for Mortgage Brokers in 3 Simple Steps
Step 1: Pay Per Click (PPC)
As I pointed out in my?recent blog post, there are over 1 billion searches conducted on Google each day and only 6% of those searches result in a click on a PPC ad! ?Clearly Pay Per Click doesn?t work! ?That means that on Google, paid search ads only get clicked on about 60 million times per day. ?How can they possibly turn a profit with that?
Seriously, that?s an insane number of clicks on PPC ads every day! ?This is where Google makes upwards of 90% of their gross revenue from. ?So even though it?s much more common for people to click on the free links, the?organic search results, there is a still quite a lot of attention going to the pay per click?ads.
Bidding for keywords like ?mortgages? or ?home financing? on Pay Per Click is a very expensive proposition. ?And on a limited budget it is likely not the best alternative. ?It does make sense to hire a professional company that provides pay per click management services. ?Sure you can try it on your own first if you want, but be prepared to spend more than you should ?on clicks and getting poor results. ?It?s kind of like the last time you tried to do a brake job on your car.
In our experience, with our?reverse mortgage?website we have had our most success with Pay Per Click and since I am personally financing the marketing side of our little side business I am not sharing this information with you only as the expert but also the one footing the bill. ?In our first year of operation we have closed 20 mortgage deals and only 8 of them were?actually?reverse mortgages. ?Not quite setting the world on fire yet but it is making decent progress.
Step 2: Local Search Optimization
Most mortgage brokers I know (yes there are quite a few) tend to do the majority of their mortgage business in their own home town. ?Such is the case with Mat as a?Mortgage Edge Broker. ?So the first thing you should do is register your local listing on all the local search engine directories.
Start with your Google+ Page (formerly Google Places) since this one will get you the most traffic. ?Make sure you complete all the information for the best results and do keyword research so that you optimize it for keywords that will actually help you get more leads and make more money and not ones that will just satisfy your ego.
Then register will all the other FREE local directories, ?Yahoo, Bing, Yelp, etc. ?I generally say not to pay for local directory listings! ?It is not worth the investment and won?t get you results. ?Again I?generally?say that. ?Use your?discretion?and if it?s a really good deal that seems too good to be true, it is. ?Just walk away. ?Yellow pages in my opinion is not a worthwhile investment for online advertising. ?Again, use your?discretion?and when in doubt, hire a professional to help you make wise?decisions?for online marketing.
Step 3: Search Engine Optimization (SEO)
Yes, I did?intentionally?separate SEO from Local Search Optimization. ?If you search on Google (.ca) for ?mortgage broker? you get over 40 billion listings. ?How easy is it to get on page 1 for that? ?But if you search ?mortgage broker milton? you have only just over 1 millon to compete with. ?Much easier to get to page 1! ?For more on that read my blog post?Simple SEO Advice from the Smartest Guy in Canada.
Notice that our little Reverse Mortgage project doesn?t come up on the first page! ?We have gotten the results we have so far using only PPC. ?Step 2 and 3 of this article are under way. ?I will have to blog again once we start getting some traction and let you know how it?s going. ?This very article you just read is our first piece heading in that direction.
If you got to this page hoping for help from a Mortgage Broker I invite you to?.
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New Music From Ashanti | Popyoularity
?THAT?S WHAT WE DO? FEATURING R. KELLY, WAS 
GRAMMY AWARD-WINNING MULTIPLATINUM RECORDING ARTIST ASHANTI IS AN EXECUTIVE PRODUCER AND CO-ANCHOR OF ?FUSE NEWS,? A NEW MUSIC SHOW THAT WILL DEBUT THIS FALL
NEW YORK (October 15, 2012) ? New Music from GRAMMY Award-winning recording artist Ashanti ?That?s What We Do? featuring R. Kelly, was e-blasted to radio last week and is a new single from her forthcoming ?Braveheart? CD which is set to be released in early 2013 by her Written Entertainment label and distributed by Entertainment One Music. ?That?s What We Do? is quickly moving up the Apple iTunes charts and getting hundreds of fan comments like: ?Best song of the year! Keep it up Ashanti!? and ?Thanks for keeping R&B R&B!?
?This is a banger with the legendary R&B pioneer Kellz!? commented Ashanti.
Ashanti is an Executive Producer and co-anchor of ?Fuse News,? the national music television network of The Madison Square Garden Company. ?Fuse News? will be launched this fall and will offer a daily rundown of the latest music industry news in a fast-paced show from Fuse?s brand new state-of-the-art, street-front studio. Ashanti is also CEO of her own label, Written Entertainment, which, in conjunction with Fuse Studios, is producing Fuse News.
Recently, Ashanti the Youth of the Year Ambassador for the Boys and Girls Clubs of America along with Denzel Washington Spokesman and Michael Phelps, supported the Boys and Girls Club youth program which sponsors kids to continue their college education. She also recently sat down along with NY Knicks Assistant GM Allan Houston on the CNN morning show ?Starting Point? with anchor Soledad O?Brien to discuss their support of ?Garden Of Dreams.? ?Garden Of Dreams? is Madison Square Gardens? foundation to help dreams come true for underprivileged children. Ashanti is also theAmbassador for the Jumpstart program, and she participated in its ?Read For The Record? program on October 4 to celebrate literacy by getting millions of people across the country to break a world record for the most people reading simultaneously. She did an appearance on the ?Today Show? with Savannah Guthrie to promote this campaign.
Ashanti is a GRAMMY Award winning multiplatinum singer/songwriter, actor, author, and Guinness Book world record holder. In 2002, Ashanti burst onto the music scene with her smash hit debut album, self-titled ?Ashanti,? which sold over 500,000 units in its first week and landed her the #1 spot on both the Billboard Top 200 and R&B album charts. In addition, her first three chart entries landed in the top 10 of the Billboard Hot 100 at the same time, making Billboard history. Ashanti has won a GRAMMY Award, eight Billboard Awards, two American Music Awards, two MOBO Awards and the Soul Train Aretha Franklin Entertainer of the Year Award. She is currently recording her fifth studio album ?Braveheart? to be released in the early part of next year 2013. Over the last decade, Ashanti has appeared in a number of films and television shows, including ?Coach Carter,? ?John Tucker Must Die,? ?The Muppets? Wizard of Oz,? ?Resident Evil: Extinction,? ?Buffy the Vampire Slayer? and ?American Dreams.? She has also penned a book of poetry published by Hyperion Books and launched a self-titled fragrance line.
Source: http://popyoularity.com/blog/new-music-from-ashanti/
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Wednesday, October 10, 2012
Major Patent Case for Monsanto (MON) to Go Before the Supreme ...
The patent system isn?t quite broken. But it?s in need of some serious updating. And the next five years or so of patent litigation will indicate how our current legal system adapts (or doesn?t adapt) to new technology.
Several questions are currently unanswered when it comes to patent law.
Like, what counts as a true innovation? And what sort of ideas can you actually ?own??
The answers will have big impacts on all of our lives. After all, a patent system that?s too rigid stifles innovation. But one that?s too loose can hurt profits, giving companies little incentive to create new ideas.
Finding a middle ground isn?t easy, either. As technology becomes more advanced, patent decisions are getting increasingly complex.
Here are two examples?
Patent Case #1: Myriad Genetics
Myriad Genetics (Nasdaq: MYGN) developed a revolutionary test that can determine a woman?s genetic predisposition to breast cancer by checking for mutations in two specific genes.
Myriad has a patent on this test. But some argue that this particular gene is a natural feature of the human body, one Myriad shouldn?t be able to patent. Then there?s the fact that Myriad?s patents allow it to charge high prices for its test, blocking out low-cost competitors that could otherwise help more people.
Of course, like I mentioned above, if Myriad couldn?t profit from its patents, it might never have made the discoveries in the first place.
In August, Myriad received a court decision from the Federal Circuit that, for the most part, declared Myriad?s patents valid. The court?s main reason was that ?isolated? DNA molecules don?t occur in nature.
Patent Case #2: Monsanto
Monsanto (NYSE: MON) is an agricultural science company that makes seeds for different crops, including genetically modified strains. The products are enormously popular. For example, Monsanto?s soybeans ? which are modified to be especially tolerant to pesticides ? accounted for 94% of the U.S. crop last year.*
Of course, when you plant a seed, you end up with more seeds. And saving and planting those the following year is how farmers have operated since the days of the Fertile Crescent.
The problem is, when you buy a Monsanto seed, you can?t plant the next generation of seeds without paying Monsanto.
One farmer, Vernon Hugh Bowman, is challenging that notion ? arguing for the right to use second-generation seeds without buying them from the company.
Obviously, this isn?t an open-and-shut case. There are levels of murky legal interpretations to consider. And to complicate matters more, Bowman wasn?t just buying Monsanto seeds. He was buying from a centralized grain elevator that happened to contain Monsanto seeds, along with others.
On the flip side, while some people don?t like the idea of genetically modified foods, Monsanto?s technologies have boosted agricultural yields significantly. It?s helped the industry grow to $13.5 billion in annual sales.
But can you really patent a living plant, not to mention its offspring?
The Supreme Court?s ruling will have obvious implications for the agricultural industry. But the ruling could also set important precedents that will reverberate throughout our economy.
For instance, it could affect a concept called ?patent exhaustion.? This determines whether a patent holder can maintain its rights over a technology after it?s been sold, or if its rights were exhausted by the sale.
The smart money is on Monsanto winning this case. That was the decision of the appeals court. The Obama administration supports the decision. And the current, business-friendly Supreme Court will likely go the same way.
On such merits, keeping an eye on dips in Monsanto shares ahead of the decision could generate some profits. But the longer-term effects on your portfolio ? and your life ? could be even greater.
Ahead of the tape,
Matthew Weinschenk
*We understand many people see Monsanto as an evil, corporate overlord out to destroy food. We don?t get into that here. We?re talking about the future of patents. So please, spare us your comments on Monsanto.
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Tuesday, October 9, 2012
AOL relaunches Games.com site for online games
NEW YORK (AP) ? AOL relaunched Games.com, a site with more than 5,000 free games, designed to attract a large online gaming audience online and on mobile and tablet devices.
AOL said Tuesday that the games are from developers and distributors such as Big Fish Games, Masque Publishing, Mochi Media and others. About 100 of the games are built on HTML5 technology, which means they are playable on the iPad and other devices that don't run Flash technology.
The company said it plans to add new features in the coming months. Games.com competes against sites such as addictinggames.com, bigfishgames.com and even Zynga.com.
Shares of AOL Inc. slid 9 cents to $36.64 in midday trading Tuesday.
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Five things to watch in the U.S. vice presidential debate
WASHINGTON (Reuters) - U.S. vice presidential debates usually don't matter much, but the October 11 showdown between Democratic incumbent Joe Biden and Republican challenger Paul Ryan could be an exception.
Democrats are counting on Biden to blunt the momentum of Republican presidential candidate Mitt Romney, who has gained ground after a strong debate performance against President Barack Obama last week.
Opinion polls show the race for the White House virtually tied with four weeks to go until the election.
Here are five things to watch for in Thursday's debate in Danville, Kentucky:
FIREWORKS
Biden and Ryan have shown a greater willingness to mix it up than their buttoned-down bosses, and both seem comfortable playing the traditional vice-presidential role of attack dog.
"I'd be surprised if there weren't far more fireworks in this debate than there were in the first presidential debate," said University of Maine political science professor Mark Brewer.
Biden, 69, is not known for his reserve, and his outspoken remarks on the campaign trail have sometimes made news for the wrong reasons. But as a veteran of two presidential campaigns and 36 years in the Senate, he's an experienced debater who can combine a down-to-earth demeanor with deep policy knowledge.
As one of the conservative movement's foremost thinkers, Ryan, 42, combines a polite demeanor with an unflinching willingness to outline steps that would dramatically scale back the role of the federal government.
He has not debated at this level before, but he has years of experience selling conservative ideas to voters who are not predisposed to liking them. His congressional district in southeastern Wisconsin is one of the most politically balanced in the country, but he has won re-election easily over the past 14 years even as he has called for scaling back popular entitlement programs.
LIAR, LIAR
Democrats feel that Obama let too many of Romney's assertions on taxes, health care and other topics go unchallenged during their first of three televised debates on Wednesday. Since then, the Obama campaign has rolled out a string of online videos that accuse Romney of lying about energy, health care, taxes and education.
Biden has said he won't let any questionable claims go unchallenged, and Democratic allies say it will be important to prevent Ryan from glossing over controversial policy details.
"You have to call these guys out if they're going to try to pretend to be people that they're not," said Jared Bernstein, a former economist for the Obama administration.
MEDICARE
Last week's presidential debate was all over the map on economic issues, but the vice presidential encounter could hinge on one topic: Medicare.
Ryan built his reputation on a proposal that would partially privatize the government-run medical plan for the elderly and handicapped in an effort to prevent health costs from swamping the federal budget. Democrats say the plan would force retirees to pay thousands of dollars more for medical treatment.
Romney adopted the idea as his own last year, though he has avoided explaining in detail its financial impact for participants and the country as a whole.
Expect Biden to come out swinging on that one - Democrats have won elections for decades by warning that Republicans would gut the program, and the issue seems to be working in their favor this year.
But Ryan has years of practice describing the plan to skeptical audiences. Thursday's debate could be the best chance yet for the Republican ticket to win over independent voters who worry that Obama hasn't done enough to rein in trillion-dollar budget deficits.
CAN RYAN HANDLE FOREIGN POLICY?
The Romney campaign has stepped up its critique of the Obama administration's foreign policy after last month's attacks on U.S. diplomatic missions in the Middle East, and Ryan doubtless will be well-briefed on the ins and outs of foreign affairs.
But in Biden, he'll be facing a former chairman of the Senate Foreign Relations Committee who handled the Obama administration's withdrawal from Iraq.
On paper, the mismatch is stark. But that doesn't necessarily mean Biden has an advantage.
"Sometimes you get so far down in the weeds that you know so much that you're ineffective," said Southern Methodist University political scientist Cal Jillson. "What Biden has to do is take everything that he knows and distill it into easy-to-digest sound bites for voters who are not experts. Ryan has to do the same thing, but he has to sound as if he knows enough to be credible."
FOUR YEARS DOWN THE ROAD
This is the only time these two candidates will meet in a debate this year, but it might not be the last. If Obama wins re-election on November 6, Ryan would be viewed as a leading contender for the 2016 Republican nomination. As sitting vice president, Biden could have a strong chance at winning his party's nomination in four years as well.
But if the debate is an early audition for the next presidential race, the risks are more on the down side as a poor performance can harm a candidate's chances down the road.
Republican nominee Sarah Palin's winking 2008 performance against Biden was lampooned by late-night television shows. Democrat John Edwards' reputation took a hit after his 2004 matchup with Republican Vice President Dick Cheney.
Dan Quayle may have been on the receiving end of the most famous barb in debating history in 1988 after the Republican likened himself to Democratic President John Kennedy. "Jack Kennedy was a friend of mine. Senator, you're no Jack Kennedy," Democrat Lloyd Bentsen replied.
Though Quayle and his boss, George H.W. Bush, went on to win the White House, the zinger helped cement Quayle's reputation as a political lightweight. He has not served in elected office since.
(Editing by Alistair Bell and Paul Simao)
Source: http://news.yahoo.com/five-things-watch-u-vice-presidential-debate-050317633.html
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