Insights are plentiful, but treatments for common diseases are elusive
During a White House ceremony in June 2000, President Bill Clinton announces the completion of the first survey of the entire human genome.
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By NICHOLAS WADE
updated 8:53 p.m. ET, Sat., June 12, 2010
The Genome at 10: First of Two Articles
Ten years after President Bill Clinton announced that the first draft of the human genome was complete, medicine has yet to see any large part of the promised benefits.
For biologists, the genome has yielded one insightful surprise after another. But the primary goal of the $3 billion Human Genome Project — to ferret out the genetic roots of common diseases like cancer and Alzheimer’s and then generate treatments — remains largely elusive. Indeed, after 10 years of effort, geneticists are almost back to square one in knowing where to look for the roots of common disease.
One sign of the genome’s limited use for medicine so far was a recent test of genetic predictions for heart disease. A medical team led by Nina P. Paynter of Brigham and Women’s Hospital in Boston collected 101 genetic variants that had been statistically linked to heart disease in various genome-scanning studies. But the variants turned out to have no value in forecasting disease among 19,000 women who had been followed for 12 years.
The old-fashioned method of taking a family history was a better guide, Dr. Paynter reported this February in The Journal of the American Medical Association.
Big promise
In announcing on June 26, 2000, that the first draft of the human genome had been achieved, Mr. Clinton said it would “revolutionize the diagnosis, prevention and treatment of most, if not all, human diseases.”
At a news conference, Francis Collins, then the director of the genome agency at the National Institutes of Health, said that genetic diagnosis of diseases would be accomplished in 10 years and that treatments would start to roll out perhaps five years after that.
“Over the longer term, perhaps in another 15 or 20 years,” he added, “you will see a complete transformation in therapeutic medicine.”
The pharmaceutical industry has spent billions of dollars to reap genomic secrets and is starting to bring several genome-guided drugs to market. While drug companies continue to pour huge amounts of money into genome research, it has become clear that the genetics of most diseases are more complex than anticipated and that it will take many more years before new treatments may be able to transform medicine.
“Genomics is a way to do science, not medicine,” said Harold Varmus, president of the Memorial Sloan-Kettering Cancer Center in New York, who in July will become the director of the National Cancer Institute.
Discoveries of mutations
The last decade has brought a flood of discoveries of disease-causing mutations in the human genome. But with most diseases, the findings have explained only a small part of the risk of getting the disease. And many of the genetic variants linked to diseases, some scientists have begun to fear, could be statistical illusions.
Bobby Yip / Reuters file
Researchers work on pork at the Beijing Genomics Institute in Shenzhen, southern China, in March.
The Human Genome Project was started in 1989 with the goal of sequencing, or identifying, all three billion chemical units in the human genetic instruction set, finding the genetic roots of disease and then developing treatments. With the sequence in hand, the next step was to identify the genetic variants that increase the risk for common diseases like cancer and diabetes.
It was far too expensive at that time to think of sequencing patients’ whole genomes. So the National Institutes of Health embraced the idea for a clever shortcut, that of looking just at sites on the genome where many people have a variant DNA unit. But that shortcut appears to have been less than successful.
The theory behind the shortcut was that since the major diseases are common, so too would be the genetic variants that caused them. Natural selection keeps the human genome free of variants that damage health before children are grown, the theory held, but fails against variants that strike later in life, allowing them to become quite common. In 2002 the National Institutes of Health started a $138 million project called the HapMap to catalog the common variants in European, East Asian and African genomes.
With the catalog in hand, the second stage was to see if any of the variants were more common in the patients with a given disease than in healthy people. These studies required large numbers of patients and cost several million dollars apiece. Nearly 400 of them had been completed by 2009. The upshot is that hundreds of common genetic variants have now been statistically linked with various diseases.
But with most diseases, the common variants have turned out to explain just a fraction of the genetic risk. It now seems more likely that each common disease is mostly caused by large numbers of rare variants, ones too rare to have been cataloged by the HapMap.
Saturday, June 12, 2010
Monday, June 7, 2010
What Men Love About Women
Is it the way you comb your hair? The stylish clothes you wear? Redbook's guy columnist reveals what really makes your man's heart melt.
By Aaron Traister
A pastor, a U.S. Marshal, a rabbi, a lawyer, and a guy who writes a column for a women's magazine all found themselves in the same Irish bar. Is this the beginning of the worst joke ever told? Perhaps, but it's also a totally true tale of masculine diversity uniting and bridging political, cultural, religious, and philosophical differences in an unprecedented attempt to answer the burning question on every woman's mind: What do men love so much about women?
You guys may think we dig you because you have a great sense of humor, look hot, or can make a mean macaroni salad — and those are certainly lovable qualities. But they aren't really what we love most about you. Several hours of discussion, many beers, and more than a few plates of chicken wings later, I was able to compile my list. (Then we all hugged. It was kinda weird.)
Anyway, without further ado — or further awkward stories about men hugging — I present a list of the things we men really love about our wives, created from the weepy declarations, tipsy ramblings, and uncomfortable announcements I culled from my "Focus Group of Manliness."
We love it when you take control.
It might seem like we hate it when you're bossy, but really, we only hate it when you boss us around. When you get badass with other people, it's totally hot. My wife was working from home the other day, and while she was on a conference call, I listened to her chew someone out for screwing up. She didn't yell or get nasty, but she made sure the person knew how displeased she was, and then completely shut down any excuses they tried to make; by the end of the call she had them apologizing. She was in total control, and everyone on the call knew it. It was at that moment that I realized my wife is a professional badass — and that I find it ridiculously sexy.
We love watching sports with you — sort of.
While we consider watching sports mostly a guy thing (because of the cursing and the gluttony), every now and then we are happily surprised by your interest in and enthusiasm for our favorite athletic competition. "There is one sporting event every year that I love sharing with my wife: filling out our NCAA men's basketball tournament brackets," my lawyer friend explains. "We've been filling out our brackets together every March since we first started dating. She was a 'bracket virgin' before we met, but now her enthusiasm for picking teams is pretty amazing. She chooses with her heart using a complicated system of geography, underdog status, and familial connections. Her brackets are an example of who she is — they are all about loyalty, hope, and happy memories. Her sense of conviction is so strong, it can make you believe that Lehigh has a shot against Kansas. How can you not love that?"
We love that you don't want us to die — yet.
I recently went to the doctor for a checkup and learned that my overall physical assessment had changed from "in the danger zone in several key categories" to "facing imminent demise." Forgetting the childhood lesson learned from that hoagie-loving über-husband, Cliff Huxtable, and his hoagie-denying über-wife, Clair, from The Cosby Show, I made the mistake of telling my wife about the diagnosis. So now every morning and evening, my wife makes me a greenish-brown "smoothie" to drink. It's made from things like kale, flax seed, and spinach, and it has the consistency of motor oil. It's so bad it makes my taste buds feel ashamed.
And yet my wife dutifully makes it for me, twice a day, because it's packed with my daily servings of fruits and vegetables. Karel is a smart, successful, and energetic woman who would do just fine without me. Every time I drink one of her sickly-Yoda-colored drinks, it's like a little reminder that she doesn't want to do just fine without me — she wants to do just fine with me. And I love that.
We love that we know everything about you (and vice versa).
Everyone in the Focus Group of Manliness agreed that after X years of marriage, there is very little we don't know about our wives or they don't know about us. But even though our relationships may lack mystery, we all love that you know exactly how we feel at a particular moment and why we feel that way. And we also love knowing how you feel at a particular moment and why you feel that way. That kind of intimacy is like a big plate of waffles on a cold morning. It might be syrupy sweet and make you fat and lethargic, but it's comforting, heartwarming, and delicious. And if you pair it with some fried chicken, it can also become sorta sexy. To be honest, I don't know what the fried chicken in this metaphor represents. I just really like fried chicken and waffles.
We love that you talk our ears off.
When I'm not yakking about why I love my wife over a plate of wings and some beers with the guys, I'm actually pretty quiet. For me, there is something soothing about how much my wife talks. It's like she's doing the talking for the both of us. It's relaxing. Her constant talking is like having a rerun of my favorite TV show on in the background after a long day: It's familiar and funny and you can kind of tune in and out as you unwind.
We love how you solve problems.
The rabbi describes the way his wife tackles obstacles as full of drama: She rages, she cries, she internalizes everything. Her system of problem-solving takes a long time and involves making everything personal and leading with her emotions in a quest to see how she would feel about each possible solution. It is apparently a very stressful process. In contrast, the rabbi's problem-solving method is to just try to find the fastest fix. When I asked him why he preferred his wife's method, he said it was because "her decisions always end up being the right ones, whereas mine always end up being the quick ones."
We love you — even in your sweats.
There is something to be said for the things in life that are effortlessly sexy. Sometimes lingerie and Princess Leia outfits feel forced, which can make everything that follows feel a little awkward. My wife has a ratty pair of sweatpants that she's owned since before we were even dating, and they are just about the sexiest thing on the planet. By some amazing alchemy of time blended with constant usage, these sweats have totally conformed to the shape of her body. They have holes above the pockets that show off the swoop of her hips and they have somehow managed to maintain their shape in the back so that they accentuate one of her finest features. I would take this pair of sweatpants over lingerie or Princess Leia outfits the majority of the time. Which is why it wasn't that my wife was all glammed up the first night we slept together that made me think we could be physically compatible for the long haul — it was the fact that I wanted her just as badly the next morning.
We love that you love us.
When asked what's the most surprising thing that he loves about his wife, the U.S. Marshal says simply, "that she puts up with me." 'Nuff said.
Comment
I have known a woman who looked INCREDIBLY sexy wearing one of my dress shirts - only. She also looked fabulously sexy in one of my tee shirts. I LOVE women who cook well, and are interested in good, healthy eating. I truly like it when they know me so well, and vice versa, that just a knowing look is all that's necessary for us to communicate. I also like it when she picks lint off my clothes. I really like a big, beautiful smile. I am incredibly attracted to women that I can really discuss some important aspects of some sport. My best friends wife is who I go to for information regarding FSU's football prospects for the coming year. She knows all the positions, and the players; their strengths and weaknesses, and how they can help the overall team. That I find to be terribly attractive. I am constantly amazed how women can be sexy in so many ways - a look, a touch, a pose, a flash, a joke, a perceptive comment, a smile, a smell... the list is endless. I love women who are passionate about something, anything, almost. I am not crazy about people who use their passions in negative or destructive ways ie racists, snobs, sexists, etc. I am not well-versed or even all that interested in fashion. I know what I like and it's usually pretty simple and straight-forward.
By Aaron Traister
A pastor, a U.S. Marshal, a rabbi, a lawyer, and a guy who writes a column for a women's magazine all found themselves in the same Irish bar. Is this the beginning of the worst joke ever told? Perhaps, but it's also a totally true tale of masculine diversity uniting and bridging political, cultural, religious, and philosophical differences in an unprecedented attempt to answer the burning question on every woman's mind: What do men love so much about women?
You guys may think we dig you because you have a great sense of humor, look hot, or can make a mean macaroni salad — and those are certainly lovable qualities. But they aren't really what we love most about you. Several hours of discussion, many beers, and more than a few plates of chicken wings later, I was able to compile my list. (Then we all hugged. It was kinda weird.)
Anyway, without further ado — or further awkward stories about men hugging — I present a list of the things we men really love about our wives, created from the weepy declarations, tipsy ramblings, and uncomfortable announcements I culled from my "Focus Group of Manliness."
We love it when you take control.
It might seem like we hate it when you're bossy, but really, we only hate it when you boss us around. When you get badass with other people, it's totally hot. My wife was working from home the other day, and while she was on a conference call, I listened to her chew someone out for screwing up. She didn't yell or get nasty, but she made sure the person knew how displeased she was, and then completely shut down any excuses they tried to make; by the end of the call she had them apologizing. She was in total control, and everyone on the call knew it. It was at that moment that I realized my wife is a professional badass — and that I find it ridiculously sexy.
We love watching sports with you — sort of.
While we consider watching sports mostly a guy thing (because of the cursing and the gluttony), every now and then we are happily surprised by your interest in and enthusiasm for our favorite athletic competition. "There is one sporting event every year that I love sharing with my wife: filling out our NCAA men's basketball tournament brackets," my lawyer friend explains. "We've been filling out our brackets together every March since we first started dating. She was a 'bracket virgin' before we met, but now her enthusiasm for picking teams is pretty amazing. She chooses with her heart using a complicated system of geography, underdog status, and familial connections. Her brackets are an example of who she is — they are all about loyalty, hope, and happy memories. Her sense of conviction is so strong, it can make you believe that Lehigh has a shot against Kansas. How can you not love that?"
We love that you don't want us to die — yet.
I recently went to the doctor for a checkup and learned that my overall physical assessment had changed from "in the danger zone in several key categories" to "facing imminent demise." Forgetting the childhood lesson learned from that hoagie-loving über-husband, Cliff Huxtable, and his hoagie-denying über-wife, Clair, from The Cosby Show, I made the mistake of telling my wife about the diagnosis. So now every morning and evening, my wife makes me a greenish-brown "smoothie" to drink. It's made from things like kale, flax seed, and spinach, and it has the consistency of motor oil. It's so bad it makes my taste buds feel ashamed.
And yet my wife dutifully makes it for me, twice a day, because it's packed with my daily servings of fruits and vegetables. Karel is a smart, successful, and energetic woman who would do just fine without me. Every time I drink one of her sickly-Yoda-colored drinks, it's like a little reminder that she doesn't want to do just fine without me — she wants to do just fine with me. And I love that.
We love that we know everything about you (and vice versa).
Everyone in the Focus Group of Manliness agreed that after X years of marriage, there is very little we don't know about our wives or they don't know about us. But even though our relationships may lack mystery, we all love that you know exactly how we feel at a particular moment and why we feel that way. And we also love knowing how you feel at a particular moment and why you feel that way. That kind of intimacy is like a big plate of waffles on a cold morning. It might be syrupy sweet and make you fat and lethargic, but it's comforting, heartwarming, and delicious. And if you pair it with some fried chicken, it can also become sorta sexy. To be honest, I don't know what the fried chicken in this metaphor represents. I just really like fried chicken and waffles.
We love that you talk our ears off.
When I'm not yakking about why I love my wife over a plate of wings and some beers with the guys, I'm actually pretty quiet. For me, there is something soothing about how much my wife talks. It's like she's doing the talking for the both of us. It's relaxing. Her constant talking is like having a rerun of my favorite TV show on in the background after a long day: It's familiar and funny and you can kind of tune in and out as you unwind.
We love how you solve problems.
The rabbi describes the way his wife tackles obstacles as full of drama: She rages, she cries, she internalizes everything. Her system of problem-solving takes a long time and involves making everything personal and leading with her emotions in a quest to see how she would feel about each possible solution. It is apparently a very stressful process. In contrast, the rabbi's problem-solving method is to just try to find the fastest fix. When I asked him why he preferred his wife's method, he said it was because "her decisions always end up being the right ones, whereas mine always end up being the quick ones."
We love you — even in your sweats.
There is something to be said for the things in life that are effortlessly sexy. Sometimes lingerie and Princess Leia outfits feel forced, which can make everything that follows feel a little awkward. My wife has a ratty pair of sweatpants that she's owned since before we were even dating, and they are just about the sexiest thing on the planet. By some amazing alchemy of time blended with constant usage, these sweats have totally conformed to the shape of her body. They have holes above the pockets that show off the swoop of her hips and they have somehow managed to maintain their shape in the back so that they accentuate one of her finest features. I would take this pair of sweatpants over lingerie or Princess Leia outfits the majority of the time. Which is why it wasn't that my wife was all glammed up the first night we slept together that made me think we could be physically compatible for the long haul — it was the fact that I wanted her just as badly the next morning.
We love that you love us.
When asked what's the most surprising thing that he loves about his wife, the U.S. Marshal says simply, "that she puts up with me." 'Nuff said.
Comment
I have known a woman who looked INCREDIBLY sexy wearing one of my dress shirts - only. She also looked fabulously sexy in one of my tee shirts. I LOVE women who cook well, and are interested in good, healthy eating. I truly like it when they know me so well, and vice versa, that just a knowing look is all that's necessary for us to communicate. I also like it when she picks lint off my clothes. I really like a big, beautiful smile. I am incredibly attracted to women that I can really discuss some important aspects of some sport. My best friends wife is who I go to for information regarding FSU's football prospects for the coming year. She knows all the positions, and the players; their strengths and weaknesses, and how they can help the overall team. That I find to be terribly attractive. I am constantly amazed how women can be sexy in so many ways - a look, a touch, a pose, a flash, a joke, a perceptive comment, a smile, a smell... the list is endless. I love women who are passionate about something, anything, almost. I am not crazy about people who use their passions in negative or destructive ways ie racists, snobs, sexists, etc. I am not well-versed or even all that interested in fashion. I know what I like and it's usually pretty simple and straight-forward.
Monday, May 31, 2010
Where are summer gas prices headed?
Memorial Day weekend typically offers a preview of higher summer gas prices. But in recent weeks, pump prices have actually dropped.
[Related content: gas prices, travel, economy, oil, cars]
By Elizabeth Strott
MSN Money
Gasoline prices are falling just as the busy summer driving season is about to heat up. But drivers should take the decline in stride, as it comes only a few weeks after prices hit a 19-month high.
Find the lowest gas prices near yo
u
In early May, the Energy Information Administration's Short-Term Energy Outlook had forecast a national average of $2.94 a gallon for the summer, up from last year's $2.44, and average prices came very close to that forecast -- weeks before the summer even began.
The national average reached about $2.93 a gallon in early May, the highest level since October 2008, but prices have been declining in recent weeks amid fears of a slowing global economic recovery and worries about Europe's debt crisis. The national average price of a gallon of regular gasoline fell to $2.78 a gallon today, a decline of about 15 cents in about three weeks.
The agency plans to release its next update June 8.
Oil spill fallout intensifies
Geopolitical events in the Middle East or a hurricane could push prices higher, but a spike to $3.50 a gallon would probably require an increase of $40 to $45 a barrel in the price of crude oil, said Tom Kloza, an analyst at the Oil Price Information Service. Without such a jump in crude or a large federal tax hike on gasoline, there is not much of a case for prices above $3 or close to $3.50, Kloza said.
The average price of gas hit an all-time high of $4.114 a gallon on July 17, 2008.
Impact on consumer spending
Consumer spending has recently been showing some hints at life, but even a small increase in gasoline prices could hinder a turnaround.
"If gas becomes too expensive . . . that is going to have an effect on discretionary spending," said Troy Green, a public-relations manager at AAA. Higher prices at the pump would mean that people wouldn't have the money "to spend on other things, like clothes, new computers or a new car."
The economy might not be able to handle gasoline above $3 per gallon for long, Green cautioned.
The thought of high gas prices is a worry for restaurateur Dave Magrogan, who opened his 10th restaurant, Harvest Seasonal Grill and Bar, last weekend in Glen Mills, Pa.
Gas prices directly affect the restaurant business, Magrogan said, and many guests likely will trade down or avoid dining out altogether if there is a price spike. Moderate price increases could cut restaurant sales by 5%, and a big jump in gas prices could decrease sales by up to 20%, he said.
If gas prices remained high, vendors could pass on surcharges in just a few weeks, "much faster than in the past," Magrogan said, because many small and midsize vendors are still struggling with tight credit markets. "They will not be able to absorb a temporary fuel price increase," he said.
Long-term high gas prices would "create the perfect storm: decreased guest counts, vendor fuel surcharges and commodity price increases," he warned.
And then there is the tipping point when motorists start changing their driving behavior.
It could be $3 or $3.50 -- there is no exact number, Green said, "but it's probably lower in this economy, this year, than it was four to five years ago, when the economy was running on all cylinders."
Higher gasoline prices will also weigh on consumer demand, Kloza said. "Gasoline is . . . something that has an embroidered 'State of Americana' on it. There's a huge portion of our population that believes it's our birthright to have relatively cheap fuel," Kloza said
[Related content: gas prices, travel, economy, oil, cars]
By Elizabeth Strott
MSN Money
Gasoline prices are falling just as the busy summer driving season is about to heat up. But drivers should take the decline in stride, as it comes only a few weeks after prices hit a 19-month high.
Find the lowest gas prices near yo
u
In early May, the Energy Information Administration's Short-Term Energy Outlook had forecast a national average of $2.94 a gallon for the summer, up from last year's $2.44, and average prices came very close to that forecast -- weeks before the summer even began.
The national average reached about $2.93 a gallon in early May, the highest level since October 2008, but prices have been declining in recent weeks amid fears of a slowing global economic recovery and worries about Europe's debt crisis. The national average price of a gallon of regular gasoline fell to $2.78 a gallon today, a decline of about 15 cents in about three weeks.
The agency plans to release its next update June 8.
Oil spill fallout intensifies
Geopolitical events in the Middle East or a hurricane could push prices higher, but a spike to $3.50 a gallon would probably require an increase of $40 to $45 a barrel in the price of crude oil, said Tom Kloza, an analyst at the Oil Price Information Service. Without such a jump in crude or a large federal tax hike on gasoline, there is not much of a case for prices above $3 or close to $3.50, Kloza said.
The average price of gas hit an all-time high of $4.114 a gallon on July 17, 2008.
Impact on consumer spending
Consumer spending has recently been showing some hints at life, but even a small increase in gasoline prices could hinder a turnaround.
"If gas becomes too expensive . . . that is going to have an effect on discretionary spending," said Troy Green, a public-relations manager at AAA. Higher prices at the pump would mean that people wouldn't have the money "to spend on other things, like clothes, new computers or a new car."
The economy might not be able to handle gasoline above $3 per gallon for long, Green cautioned.
The thought of high gas prices is a worry for restaurateur Dave Magrogan, who opened his 10th restaurant, Harvest Seasonal Grill and Bar, last weekend in Glen Mills, Pa.
Gas prices directly affect the restaurant business, Magrogan said, and many guests likely will trade down or avoid dining out altogether if there is a price spike. Moderate price increases could cut restaurant sales by 5%, and a big jump in gas prices could decrease sales by up to 20%, he said.
If gas prices remained high, vendors could pass on surcharges in just a few weeks, "much faster than in the past," Magrogan said, because many small and midsize vendors are still struggling with tight credit markets. "They will not be able to absorb a temporary fuel price increase," he said.
Long-term high gas prices would "create the perfect storm: decreased guest counts, vendor fuel surcharges and commodity price increases," he warned.
And then there is the tipping point when motorists start changing their driving behavior.
It could be $3 or $3.50 -- there is no exact number, Green said, "but it's probably lower in this economy, this year, than it was four to five years ago, when the economy was running on all cylinders."
Higher gasoline prices will also weigh on consumer demand, Kloza said. "Gasoline is . . . something that has an embroidered 'State of Americana' on it. There's a huge portion of our population that believes it's our birthright to have relatively cheap fuel," Kloza said
Tuesday, May 25, 2010
AT and T offers free Wi-Fi in New York City
By Marguerite Reardon, CNET
May 25, 2010 11:21 a.m. EDT
AT&T's pilot program offers free Wi-Fi access to wireless and broadband customers in New York City.
STORY HIGHLIGHTS
On Tuesday, AT&T launched a free outdoor wireless hot spot in Times Square
The program is designed to see how Wi-Fi can help relieve wireless data congestion
If all goes well, AT&T said it may expand the offering to other cities.
RELATED TOPICS
AT&T Inc.
Apple iPhone
New York City
WiFi
(CNET) -- AT&T is offering free public Wi-Fi hot spots to help it deal with increasing congestion on its wireless network.
On Tuesday, the company launched a free outdoor wireless hot spot in New York's Times Square.
The pilot program will offer free Wi-Fi access to AT&T wireless and broadband customers using smartphones, laptops, and other Wi-Fi enabled devices. AT&T's Wi-Fi network is set up on the north side of Times Square on Seventh Avenue between 45th and 47th Streets.
The program is designed to see how Wi-Fi can help relieve wireless data congestion on AT&T's network. Customers with Wi-Fi-enabled devices will connect to the Wi-Fi network instead of AT&T's 3G network to access the Internet or Web-based applications.
If all goes well, AT&T said it may expand the offering to other cities.
AT&T, the exclusive carrier in the U.S. for the iPhone, has been struggling to keep up with demand for data services on its network. The company has reported that due to new devices like the iPhone it's seen mobile data traffic grow on its network 5,000 percent in three years.
The extra traffic, particularly in densely populated locales such as New York City and San Francisco, has caused problems for consumers in the way of dropped calls and slow Net access.
The telephone company has been investing in its network to improve capacity and network coverage. It's upgraded its backhaul networks, which connect the cell sites to its Internet backbone. It's added new Microcell devices that expand in-home coverage. And it's bulked up coverage in sports stadiums, convention halls and other areas where people congregate.
AT&T has also been using its more than 20,000 Wi-Fi hot spots throughout the country to offload some of the traffic. The company has offered free Wi-Fi access to its smartphone subscribers in the hopes that customers will use the Wi-Fi network when it's available rather than the slower 3G network.
So far, the company has seen some success. In 2009, AT&T consumers connected to an AT&T Wi-Fi hot spot four times more often than they did in 2008, the company has said. And in the first quarter, AT&T handled 53.1 million Wi-Fi connections on its network, which is nearly five times higher than the same quarter last year.
One of the biggest advantages of Wi-Fi is that it's already in most devices. Laptops come with Wi-Fi pre-installed, and most new smartphones also come with Wi-Fi built in. It's also faster than a 3G network, so it offers subscribers a better experience.
Advancements in the technology, especially new features found in the latest version of Wi-Fi 802.11n, increase the range and speed of the networks. In urban areas, Wi-Fi hot spots now extend almost 2,000 feet, which is nearly as far as some cellular cell sites, according to Jeff Thompson, CEO of fixed wireless provider Towerstream.
May 25, 2010 11:21 a.m. EDT
AT&T's pilot program offers free Wi-Fi access to wireless and broadband customers in New York City.
STORY HIGHLIGHTS
On Tuesday, AT&T launched a free outdoor wireless hot spot in Times Square
The program is designed to see how Wi-Fi can help relieve wireless data congestion
If all goes well, AT&T said it may expand the offering to other cities.
RELATED TOPICS
AT&T Inc.
Apple iPhone
New York City
WiFi
(CNET) -- AT&T is offering free public Wi-Fi hot spots to help it deal with increasing congestion on its wireless network.
On Tuesday, the company launched a free outdoor wireless hot spot in New York's Times Square.
The pilot program will offer free Wi-Fi access to AT&T wireless and broadband customers using smartphones, laptops, and other Wi-Fi enabled devices. AT&T's Wi-Fi network is set up on the north side of Times Square on Seventh Avenue between 45th and 47th Streets.
The program is designed to see how Wi-Fi can help relieve wireless data congestion on AT&T's network. Customers with Wi-Fi-enabled devices will connect to the Wi-Fi network instead of AT&T's 3G network to access the Internet or Web-based applications.
If all goes well, AT&T said it may expand the offering to other cities.
AT&T, the exclusive carrier in the U.S. for the iPhone, has been struggling to keep up with demand for data services on its network. The company has reported that due to new devices like the iPhone it's seen mobile data traffic grow on its network 5,000 percent in three years.
The extra traffic, particularly in densely populated locales such as New York City and San Francisco, has caused problems for consumers in the way of dropped calls and slow Net access.
The telephone company has been investing in its network to improve capacity and network coverage. It's upgraded its backhaul networks, which connect the cell sites to its Internet backbone. It's added new Microcell devices that expand in-home coverage. And it's bulked up coverage in sports stadiums, convention halls and other areas where people congregate.
AT&T has also been using its more than 20,000 Wi-Fi hot spots throughout the country to offload some of the traffic. The company has offered free Wi-Fi access to its smartphone subscribers in the hopes that customers will use the Wi-Fi network when it's available rather than the slower 3G network.
So far, the company has seen some success. In 2009, AT&T consumers connected to an AT&T Wi-Fi hot spot four times more often than they did in 2008, the company has said. And in the first quarter, AT&T handled 53.1 million Wi-Fi connections on its network, which is nearly five times higher than the same quarter last year.
One of the biggest advantages of Wi-Fi is that it's already in most devices. Laptops come with Wi-Fi pre-installed, and most new smartphones also come with Wi-Fi built in. It's also faster than a 3G network, so it offers subscribers a better experience.
Advancements in the technology, especially new features found in the latest version of Wi-Fi 802.11n, increase the range and speed of the networks. In urban areas, Wi-Fi hot spots now extend almost 2,000 feet, which is nearly as far as some cellular cell sites, according to Jeff Thompson, CEO of fixed wireless provider Towerstream.
Saturday, May 22, 2010
Men
We always find ourselves unable to resist clicking on those articles that claim to know "what he's really thinking" — so when we came across this man's point-of-view piece, we were immediately intrigued. Here's an inside look at the male psyche that helps us better understand the supposedly simpler sex. —Glo
By Brendan Tapley for Woman's Day
What makes a man? The mythology surrounding this question still looms large. So much so that men often experience a hidden battle: whether their decisions should be self-determined or dictated by how masculine they will seem to others. Do I let my wife know how much something is bothering me or will that come across as not being in control? Do I speak my mind at work or does that risk being seen as too emotional? If I take a stand on a principle that bucks the boys' club, will I lose status? Luckily, women can be strong advocates for change by encouraging men to evolve and expand beyond the stereotypes. Take a look at the 10 biggest falsehoods about men that, when debunked, can lead us to true masculinity.
Myth #1: Men Are Not Emotional
This may come as a surprise, but men are probably more emotional than women. How is this possible? Unlike femininity, masculinity doesn't permit emoting on a regular basis, so men are like Victorian novels: placid on the outside, but concealing a deep emotional life within. Convincing a man that it is masculine to open up — in fact, it takes more cojones to do so — is a cause women should embrace. By encouraging men to reveal their true feelings, women are helping them release pent-up emotions, leading to a happier and healthier guy.(Psychologically I would have to agree that repressing ones emotions is nt healthy, for anybody. Everybody has feelings every day, dozens of them, me included. Whether I choose to demonstrate those emotions is another question. I am more likely to do so if I feel safe about the woman I am expressing them to, or the situation I am in.)
Myth #2: Sex Is What Matters the Most
Yes, sex is important to men. It's one of the ways we access our imaginations. (At times, it might seem like the only way we do.) But one of the big secrets about men is how much they long for real solidarity with their partner. And sex, because it makes the imagination literal, is something we rely on to achieve that bonded feeling. Next time you see your mate's desire for sex as chauvinistic, remember that he may be asking for proof that you and he are the team he fantasizes about.(Sex can be a profound bonding experience. It can also be just relief and satisfaction. For me it is frequently some of both. I want her on my team, sexually, and in every other way, as I plan to be there for her. It does set my imagination and fantasies free but I am frequently reluctant to share them with her for fear she will think less of me if I do. I would prefer if she shares some of her fantasies with me first, to open that door, and make it okay to do. That, of course, is a safer position for me. Gentle fantasies and mild kink first, maybe.)
Myth #3: A Man Is His Job
For most men, the pressures of work stem from two things: a desire to excel at something (a principle of manhood we were taught as boys) and a need to contribute to the well-being of our families. But duty is not the same as identity, and what one does is not the same as who one is. This is true for women, too; but, culturally, men are more defined by their professions, which can keep their passions — what really identifies them — invisible. Talking with men about their interests is a great way to get away from the conventional ways they are seen — even how they see themselves — which will help ensure a more unconventional (and improved) masculinity. (Getting us to talk about our interests, and even better, our passions is a great way to get to know us in general, and me specifically. Sports are a passion for many guys and I find women who can intelligently discuss sports to be very intriguing because they have taken the time and effort to learn about one of my passions, and we have an instant bond. They dont have to know all things about all sports, one in-depth field is very nice, and attractive to me. I realize they probably got their information and interest from their Dads and/or brothers, but that is just fine with me. To be honest, even if they show an interest in one of my sports I would be more than glad to teach her all I know. Sex IS an indoor sport, right?)
Myth #4: Males Are Limited Creatures
“Men are underdeveloped” is the most effective propaganda the male sex has created. Your belief in our limitations brings certain “rewards” (i.e. expectations are lowered; bad behavior is tolerated; apathy becomes a non-negotiable). Women, the usual victims of these limitations, most likely buy into the idea because it elevates them. The thing is, men are not limited; and if women decide to sacrifice a little superiority, they will gain better treatment by men. Just look at the vibrant imagination of any five-year-old boy or recall the way past boyfriends have courted you — we can be highly animated, curious, loving and devoted. Holding your guy to a higher standard may not get thanks right away, but it will actually liberate him to be a more expansive, and more real, man.(We are like kids. Holding kids to a higher standard will pay off in the long run too. Dont let us off too easy or too often or the bad behavior will continue. We are NOT limited, and given a chance, will show you better. We start with limitations, like everybody, but with patience, love, and support we can blossom too.)
Myth #5: Men Hate to Commit
Masculinity is one of the most oppressive forces, as far as behavior goes, because it demands that men appear “tough” at all times — thereby avoiding any overt displays of love and affection, which can be detrimental to a relationship. How often have you witnessed a man shut down during a tender moment or make a joke to detour from it? The toll this eventually takes is enormous, depriving men of the riches of intimacy — one of which is completely giving over to a true and loving partnership. While men may appear to prize freedom and independence, in their heart of hearts they truly value loyalty. In standing by her man, a woman can fill a primal absence. And once he realizes you have his back, he will start to show his feelings in his own way — which may not be “traditional” romantic gestures, but they will be gestures nonetheless.(Many women have this natural and seemingly easy ability to become intimate quickly and deeply, which is something I have always admired, and feared. At the same getting too close too quickly scares me, and usually causs me to push them away. I realize it is probably my own insecurities showing up, and maybe I am pushing them away because I am afraid they will get to know the real me, and reject me, so I reject them first. Maybe all of that is just psychological mumbo-jumbo. Maybe I am just afraid I will not measure up to them in the long run.)
Myth #6: Guys Don't Communicate
Men like to talk — have you ever tried asking us the best way to get somewhere? But we often censor ourselves based on how we think women might react to a deeper honesty. So, there are times we just don't bother. This is unfortunate, because men's internal lives are interesting and telling, and getting to know them by suspending judgment will encourage a man to be more open and more revealing to you.
Myth #7: A Woman's Looks Are Everything
Non, nein, nope. A woman's beauty is a thing to behold, and sometimes we can behold it at the wrong times (like when passing another woman on the sidewalk). But that's just visual titillation. The stimulus that matters most reaches our hearts and minds. A woman with a laser-like intelligence, sharp sense of humor and a compassionate soul — now, that's a centerfold.(Yep, I couldnt agree more. I look for a woman that adds love and feeling to my life. Not hysterical, constantly changing, dramatic, loud emotions, just feelings that are reflective of her and the situation.)
Myth #8: Men Don't Take Things Personally
This is certainly a myth we would like to believe about ourselves. Nothing fazes us: We're breezy, easy, confident. Yeah, right. The fact is that men take many things personally — the light teasing about our paunch, the less-than-stellar bedroom performance, the snide colleague at work — but the principles of masculinity prevent our admitting them. The problem is, these things come out in ways that truly affect us. According to the National Institute of Mental Health, men commit suicide four times as often as women, and suicide currently ranks as the seventh leading cause of death for men. Watching for when a guy might be repressing reactions for the sake of masculine pride, and asking him to forgo that habit, is one way women can literally save a man's life.(I take certain things personally and they are usually those things that offend my sense of personal dignity and values. Sometimes those things are hurtful; other times they are uplifting if they are positive. Sometimes I take things as a challenge to my skills or competency, and I use those things for motivation, like when somebody says I CANT do something. As I grow older there truly ARE more things I really CANT do, physically, and I am usually okay with that.)
Myth #9: Guys Don't Listen to Criticism
It's hard to argue that this one is a myth. But the reason men can be diva-like when it comes to criticism is because said criticism is rarely delivered in a way we understand. Women tend to talk around the problem, but it's okay to get in our faces every now and then and just say what's on your mind. Sometimes, the greatest act of love is taking someone seriously enough to risk offending them. In a weird way, those tough conversations get at the truth and, in calling attention to our blind spots, are about helping us. It's when couples no longer think it's worth the trouble that they have to worry. So, next time, try some tough love: We can take it. (I do not often admit it but I like a woman who will gently take me on, but in a helpful and positive way. Nobody likes criticism, but constructive advice can be absorbed fairly easily, especially if you know the one offering it is now, and has been for a while, in your corner. Of course we should do the same for the women in our lives.)
Myth #10: Boys and Girls Are So Different
Okay, so your son prefers horseplay and trucks, and your daughter likes dolls and playing dress-up. Who cares! The things that matter in life — whether your kids are ethical; whether they are kind to others; how they achieve self-fulfillment — are as important to recognize in adults as they are in children. Just as you wouldn't indulge your son's overconfidence because that seems “male,” don't allow your husband to get away with things that hurt your feelings because “that's how guys are.” The fact is, when it comes to men and women, our mythologies are — and should be — about living more authentic lives. (Boys will be boys only goes so far. We should be acountable for our actions, like anybody else.)
By Brendan Tapley for Woman's Day
What makes a man? The mythology surrounding this question still looms large. So much so that men often experience a hidden battle: whether their decisions should be self-determined or dictated by how masculine they will seem to others. Do I let my wife know how much something is bothering me or will that come across as not being in control? Do I speak my mind at work or does that risk being seen as too emotional? If I take a stand on a principle that bucks the boys' club, will I lose status? Luckily, women can be strong advocates for change by encouraging men to evolve and expand beyond the stereotypes. Take a look at the 10 biggest falsehoods about men that, when debunked, can lead us to true masculinity.
Myth #1: Men Are Not Emotional
This may come as a surprise, but men are probably more emotional than women. How is this possible? Unlike femininity, masculinity doesn't permit emoting on a regular basis, so men are like Victorian novels: placid on the outside, but concealing a deep emotional life within. Convincing a man that it is masculine to open up — in fact, it takes more cojones to do so — is a cause women should embrace. By encouraging men to reveal their true feelings, women are helping them release pent-up emotions, leading to a happier and healthier guy.(Psychologically I would have to agree that repressing ones emotions is nt healthy, for anybody. Everybody has feelings every day, dozens of them, me included. Whether I choose to demonstrate those emotions is another question. I am more likely to do so if I feel safe about the woman I am expressing them to, or the situation I am in.)
Myth #2: Sex Is What Matters the Most
Yes, sex is important to men. It's one of the ways we access our imaginations. (At times, it might seem like the only way we do.) But one of the big secrets about men is how much they long for real solidarity with their partner. And sex, because it makes the imagination literal, is something we rely on to achieve that bonded feeling. Next time you see your mate's desire for sex as chauvinistic, remember that he may be asking for proof that you and he are the team he fantasizes about.(Sex can be a profound bonding experience. It can also be just relief and satisfaction. For me it is frequently some of both. I want her on my team, sexually, and in every other way, as I plan to be there for her. It does set my imagination and fantasies free but I am frequently reluctant to share them with her for fear she will think less of me if I do. I would prefer if she shares some of her fantasies with me first, to open that door, and make it okay to do. That, of course, is a safer position for me. Gentle fantasies and mild kink first, maybe.)
Myth #3: A Man Is His Job
For most men, the pressures of work stem from two things: a desire to excel at something (a principle of manhood we were taught as boys) and a need to contribute to the well-being of our families. But duty is not the same as identity, and what one does is not the same as who one is. This is true for women, too; but, culturally, men are more defined by their professions, which can keep their passions — what really identifies them — invisible. Talking with men about their interests is a great way to get away from the conventional ways they are seen — even how they see themselves — which will help ensure a more unconventional (and improved) masculinity. (Getting us to talk about our interests, and even better, our passions is a great way to get to know us in general, and me specifically. Sports are a passion for many guys and I find women who can intelligently discuss sports to be very intriguing because they have taken the time and effort to learn about one of my passions, and we have an instant bond. They dont have to know all things about all sports, one in-depth field is very nice, and attractive to me. I realize they probably got their information and interest from their Dads and/or brothers, but that is just fine with me. To be honest, even if they show an interest in one of my sports I would be more than glad to teach her all I know. Sex IS an indoor sport, right?)
Myth #4: Males Are Limited Creatures
“Men are underdeveloped” is the most effective propaganda the male sex has created. Your belief in our limitations brings certain “rewards” (i.e. expectations are lowered; bad behavior is tolerated; apathy becomes a non-negotiable). Women, the usual victims of these limitations, most likely buy into the idea because it elevates them. The thing is, men are not limited; and if women decide to sacrifice a little superiority, they will gain better treatment by men. Just look at the vibrant imagination of any five-year-old boy or recall the way past boyfriends have courted you — we can be highly animated, curious, loving and devoted. Holding your guy to a higher standard may not get thanks right away, but it will actually liberate him to be a more expansive, and more real, man.(We are like kids. Holding kids to a higher standard will pay off in the long run too. Dont let us off too easy or too often or the bad behavior will continue. We are NOT limited, and given a chance, will show you better. We start with limitations, like everybody, but with patience, love, and support we can blossom too.)
Myth #5: Men Hate to Commit
Masculinity is one of the most oppressive forces, as far as behavior goes, because it demands that men appear “tough” at all times — thereby avoiding any overt displays of love and affection, which can be detrimental to a relationship. How often have you witnessed a man shut down during a tender moment or make a joke to detour from it? The toll this eventually takes is enormous, depriving men of the riches of intimacy — one of which is completely giving over to a true and loving partnership. While men may appear to prize freedom and independence, in their heart of hearts they truly value loyalty. In standing by her man, a woman can fill a primal absence. And once he realizes you have his back, he will start to show his feelings in his own way — which may not be “traditional” romantic gestures, but they will be gestures nonetheless.(Many women have this natural and seemingly easy ability to become intimate quickly and deeply, which is something I have always admired, and feared. At the same getting too close too quickly scares me, and usually causs me to push them away. I realize it is probably my own insecurities showing up, and maybe I am pushing them away because I am afraid they will get to know the real me, and reject me, so I reject them first. Maybe all of that is just psychological mumbo-jumbo. Maybe I am just afraid I will not measure up to them in the long run.)
Myth #6: Guys Don't Communicate
Men like to talk — have you ever tried asking us the best way to get somewhere? But we often censor ourselves based on how we think women might react to a deeper honesty. So, there are times we just don't bother. This is unfortunate, because men's internal lives are interesting and telling, and getting to know them by suspending judgment will encourage a man to be more open and more revealing to you.
Myth #7: A Woman's Looks Are Everything
Non, nein, nope. A woman's beauty is a thing to behold, and sometimes we can behold it at the wrong times (like when passing another woman on the sidewalk). But that's just visual titillation. The stimulus that matters most reaches our hearts and minds. A woman with a laser-like intelligence, sharp sense of humor and a compassionate soul — now, that's a centerfold.(Yep, I couldnt agree more. I look for a woman that adds love and feeling to my life. Not hysterical, constantly changing, dramatic, loud emotions, just feelings that are reflective of her and the situation.)
Myth #8: Men Don't Take Things Personally
This is certainly a myth we would like to believe about ourselves. Nothing fazes us: We're breezy, easy, confident. Yeah, right. The fact is that men take many things personally — the light teasing about our paunch, the less-than-stellar bedroom performance, the snide colleague at work — but the principles of masculinity prevent our admitting them. The problem is, these things come out in ways that truly affect us. According to the National Institute of Mental Health, men commit suicide four times as often as women, and suicide currently ranks as the seventh leading cause of death for men. Watching for when a guy might be repressing reactions for the sake of masculine pride, and asking him to forgo that habit, is one way women can literally save a man's life.(I take certain things personally and they are usually those things that offend my sense of personal dignity and values. Sometimes those things are hurtful; other times they are uplifting if they are positive. Sometimes I take things as a challenge to my skills or competency, and I use those things for motivation, like when somebody says I CANT do something. As I grow older there truly ARE more things I really CANT do, physically, and I am usually okay with that.)
Myth #9: Guys Don't Listen to Criticism
It's hard to argue that this one is a myth. But the reason men can be diva-like when it comes to criticism is because said criticism is rarely delivered in a way we understand. Women tend to talk around the problem, but it's okay to get in our faces every now and then and just say what's on your mind. Sometimes, the greatest act of love is taking someone seriously enough to risk offending them. In a weird way, those tough conversations get at the truth and, in calling attention to our blind spots, are about helping us. It's when couples no longer think it's worth the trouble that they have to worry. So, next time, try some tough love: We can take it. (I do not often admit it but I like a woman who will gently take me on, but in a helpful and positive way. Nobody likes criticism, but constructive advice can be absorbed fairly easily, especially if you know the one offering it is now, and has been for a while, in your corner. Of course we should do the same for the women in our lives.)
Myth #10: Boys and Girls Are So Different
Okay, so your son prefers horseplay and trucks, and your daughter likes dolls and playing dress-up. Who cares! The things that matter in life — whether your kids are ethical; whether they are kind to others; how they achieve self-fulfillment — are as important to recognize in adults as they are in children. Just as you wouldn't indulge your son's overconfidence because that seems “male,” don't allow your husband to get away with things that hurt your feelings because “that's how guys are.” The fact is, when it comes to men and women, our mythologies are — and should be — about living more authentic lives. (Boys will be boys only goes so far. We should be acountable for our actions, like anybody else.)
Thursday, May 20, 2010
'Safe' mortgages going bust, too
Alarming new data show more than a third of new foreclosures targeted fixed-rate mortgages held by borrowers with high credit scores.
By KEVIN G. HALL
McClatchy News Service
WASHINGTON -- Aftershocks from the nation's financial crisis continue rumbling through the housing sector as fixed-rate mortgages held by the safest borrowers accounted for nearly 37 percent of new foreclosures during the first three months of this year, the Mortgage Bankers Association reported Wednesday.
Additionally, more than one in 10 homeowners were behind on their mortgage payments in the first quarter -- a record, the association said. That's up from 9.47 percent in the last three months of 2009.
Prime loans, those made to the safest borrowers with the highest credit scores, account for almost 66 percent of outstanding U.S. mortgages, so their rising foreclosure numbers are troubling.
``People with higher scores are defaulting at rates we have not seen in the past,'' said Jay Brinkmann, the chief economist for the trade group.
The slide into foreclosure of the strongest borrowers is partly a function of the nation's unemployment rate, which is now 9.9 percent. The Great Recession has mowed down white-collar and blue-collar workers alike.
In the first quarter, almost 21 percent of foreclosure starts were for adjustable-rate mortgages held by credit-worthy borrowers. Fixed and adjustable-rate prime mortgages combined accounted for more than 57 percent of all new foreclosures.
The MBA's data also showed that more than 6 percent of fixed-rated prime mortgages were delinquent from January to March and more than 13 percent of all homeowners with adjustable-rate prime mortgages were behind on payments.
California -- the most populous state, which accounts for more than 13 percent of all U.S. mortgages -- seems to have turned a corner in housing problems. It held 21 percent of all foreclosure starts during the first quarter of 2009 but only 14.5 percent in the first quarter of 2010.
Florida improved but only slightly, from 16.1 percent of first-quarter 2009 foreclosure starts to 15.3 percent in the same period this year.
``We're actually starting to see improvement in California. Florida is a little slower,'' Brinkmann said.
Some analysts saw the report as a glass half full, partly because of a wide variation between the numbers when they were adjusted statistically for seasonal variation. Many numbers, when not seasonally adjusted, showed a slight improvement over the final quarter of 2009. These included a drop in delinquent loans.
``I'd say we're probably hitting a turning point, but if you call me in six months, who knows?'' said Patrick Newport, an economist who specializes in housing for forecaster IHS Global Insight. He pointed to the improving labor market and a drop in serious delinquencies reported by Fannie Mae, the mortgage finance giant.
One potentially troubling trend emerged: foreclosure starts rising in states that aren't commonly viewed as housing-bubble states. Washington state posted the largest increase in foreclosure starts overall in 2010's first quarter versus a year earlier, followed by Maryland, Oregon and Georgia. Washington state also posted the largest rise in foreclosure starts that involved prime and subprime adjustable-rate mortgages.
Read more: http://www.miamiherald.com/2010/05/20/1638106/prime-loans-going-bust-too.html#storylink=omni_popular#ixzz0oUy7OSeu
By KEVIN G. HALL
McClatchy News Service
WASHINGTON -- Aftershocks from the nation's financial crisis continue rumbling through the housing sector as fixed-rate mortgages held by the safest borrowers accounted for nearly 37 percent of new foreclosures during the first three months of this year, the Mortgage Bankers Association reported Wednesday.
Additionally, more than one in 10 homeowners were behind on their mortgage payments in the first quarter -- a record, the association said. That's up from 9.47 percent in the last three months of 2009.
Prime loans, those made to the safest borrowers with the highest credit scores, account for almost 66 percent of outstanding U.S. mortgages, so their rising foreclosure numbers are troubling.
``People with higher scores are defaulting at rates we have not seen in the past,'' said Jay Brinkmann, the chief economist for the trade group.
The slide into foreclosure of the strongest borrowers is partly a function of the nation's unemployment rate, which is now 9.9 percent. The Great Recession has mowed down white-collar and blue-collar workers alike.
In the first quarter, almost 21 percent of foreclosure starts were for adjustable-rate mortgages held by credit-worthy borrowers. Fixed and adjustable-rate prime mortgages combined accounted for more than 57 percent of all new foreclosures.
The MBA's data also showed that more than 6 percent of fixed-rated prime mortgages were delinquent from January to March and more than 13 percent of all homeowners with adjustable-rate prime mortgages were behind on payments.
California -- the most populous state, which accounts for more than 13 percent of all U.S. mortgages -- seems to have turned a corner in housing problems. It held 21 percent of all foreclosure starts during the first quarter of 2009 but only 14.5 percent in the first quarter of 2010.
Florida improved but only slightly, from 16.1 percent of first-quarter 2009 foreclosure starts to 15.3 percent in the same period this year.
``We're actually starting to see improvement in California. Florida is a little slower,'' Brinkmann said.
Some analysts saw the report as a glass half full, partly because of a wide variation between the numbers when they were adjusted statistically for seasonal variation. Many numbers, when not seasonally adjusted, showed a slight improvement over the final quarter of 2009. These included a drop in delinquent loans.
``I'd say we're probably hitting a turning point, but if you call me in six months, who knows?'' said Patrick Newport, an economist who specializes in housing for forecaster IHS Global Insight. He pointed to the improving labor market and a drop in serious delinquencies reported by Fannie Mae, the mortgage finance giant.
One potentially troubling trend emerged: foreclosure starts rising in states that aren't commonly viewed as housing-bubble states. Washington state posted the largest increase in foreclosure starts overall in 2010's first quarter versus a year earlier, followed by Maryland, Oregon and Georgia. Washington state also posted the largest rise in foreclosure starts that involved prime and subprime adjustable-rate mortgages.
Read more: http://www.miamiherald.com/2010/05/20/1638106/prime-loans-going-bust-too.html#storylink=omni_popular#ixzz0oUy7OSeu
5 billionaires living below their means
Each of these men is worth a fortune, though you might not know it to look at them. Frugal, no-frills approaches have paid off in their businesses and their lives.
[Related content: savings, save money, frugal, spending, Warren Buffett]
By Investopedia
At least once in your life -- maybe even once a week or once a day, for that matter -- you have fantasized about coming into a lot of money. What would you do if you were worth millions or even billions?
How to save on everyday stuff
Some of you may do nothing at all. Believe it or not, there are millionaires and billionaires among us who masquerade as relatively normal, money-conscious people. Take a peek at some of the most frugal wealthy people in the world.
Quiz: Do you have a spending problem?
Warren Buffett
Millions of people read Warren Buffett's books and follow every move of his company, Berkshire Hathaway. But the real secret to Buffett's personal fortune may be his penchant for frugality.
Buffett, who is worth an estimated $47 billion, eschews opulent homes and luxury items. He still lives in a modest home in Omaha, Neb., that he purchased for $31,500 more than 50 years ago. Although Buffett has dined in the best restaurants around the globe, given the choice, he would opt for a good burger and fries accompanied by a cold cherry Coke.
When asked why he doesn't own a yacht, he responded, "Most toys are just a pain in the neck."
Carlos Slim Helú
While most of the world is very familiar with Bill Gates, the name Carlos Slim Helú rarely rings a bell. But it's a name worth knowing.
Slim, a native of Mexico, was recently named the world's richest person -- that's right, richer than the Microsoft co-founder. (Microsoft publishes MSN Money.)
Slim is worth more than $53 billion, and, while he could afford the world's most extravagant luxuries, he rarely indulges. He, like Buffett, doesn't own a yacht or plane, and he has lived in the same home for more than 40 years.
Ingvar Kamprad
The founder of Swedish furniture phenomenon Ikea struck success with affordable, assemble-it-yourself furniture. For Ingvar Kamprad, figuring out how to save money isn't just for his customers, it's a high personal value. He's been quoted as saying, "Ikea people do not drive flashy cars or stay at luxury hotels."
Could you live a car-free life?
That goes for the founder as well. He flies coach for business, and when he needs to get around town locally, he either takes a bus or heads out in his 15-year-old Volvo 240 GL.
[Related content: savings, save money, frugal, spending, Warren Buffett]
Chuck Feeney
Growing up in the wake of the Depression probably has something to do with Chuck Feeney's frugality.
With a personal motto of "I set out to work hard, not get rich," the co-founder of Duty Free Shoppers has quietly become a billionaire but even more secretively given almost all of it away through his foundation, Atlantic Philanthropies. In addition to giving more than $600 million to his alma mater, Cornell University, he has given billions to schools, research departments and hospitals.
Loath to spend if he doesn't have to, Feeney beats both Buffett and Kamprad in the donation category, giving out fewer grants than only the Ford and Bill & Melinda Gates foundations.
A frequent user of public transportation, Feeney flies economy class, buys clothes from retail stores and does not waste money on an extensive shoes closet, stating, "You can only wear one pair of shoes at a time." He raised his children in the same way, making them work the same normal summer jobs as most teens.
Frederik Meijer
If you live in the Midwest, chances are good that you shop at Frederik Meijer's chain of grocery stores. Meijer is worth more than $5 billion, and nearly half of that was amassed when everyone else was watching their net worth drop in 2009.
Like Buffett, he buys reasonably priced cars and drives them until they die, and, like Kamprad, he chooses affordable motels when traveling for work. Also, like others on this list, Meijer is focused on the good his wealth can provide to the community.
The bottom line
The little secret of some of the world's wealthiest people is that they rarely act like it. Instead of over-the-top spending, they're busy figuring out how to save and invest to have that much more in the future.
It's a habit you might want to consider in order to build up your own little storehouse of cash.
[Related content: savings, save money, frugal, spending, Warren Buffett]
By Investopedia
At least once in your life -- maybe even once a week or once a day, for that matter -- you have fantasized about coming into a lot of money. What would you do if you were worth millions or even billions?
How to save on everyday stuff
Some of you may do nothing at all. Believe it or not, there are millionaires and billionaires among us who masquerade as relatively normal, money-conscious people. Take a peek at some of the most frugal wealthy people in the world.
Quiz: Do you have a spending problem?
Warren Buffett
Millions of people read Warren Buffett's books and follow every move of his company, Berkshire Hathaway. But the real secret to Buffett's personal fortune may be his penchant for frugality.
Buffett, who is worth an estimated $47 billion, eschews opulent homes and luxury items. He still lives in a modest home in Omaha, Neb., that he purchased for $31,500 more than 50 years ago. Although Buffett has dined in the best restaurants around the globe, given the choice, he would opt for a good burger and fries accompanied by a cold cherry Coke.
When asked why he doesn't own a yacht, he responded, "Most toys are just a pain in the neck."
Carlos Slim Helú
While most of the world is very familiar with Bill Gates, the name Carlos Slim Helú rarely rings a bell. But it's a name worth knowing.
Slim, a native of Mexico, was recently named the world's richest person -- that's right, richer than the Microsoft co-founder. (Microsoft publishes MSN Money.)
Slim is worth more than $53 billion, and, while he could afford the world's most extravagant luxuries, he rarely indulges. He, like Buffett, doesn't own a yacht or plane, and he has lived in the same home for more than 40 years.
Ingvar Kamprad
The founder of Swedish furniture phenomenon Ikea struck success with affordable, assemble-it-yourself furniture. For Ingvar Kamprad, figuring out how to save money isn't just for his customers, it's a high personal value. He's been quoted as saying, "Ikea people do not drive flashy cars or stay at luxury hotels."
Could you live a car-free life?
That goes for the founder as well. He flies coach for business, and when he needs to get around town locally, he either takes a bus or heads out in his 15-year-old Volvo 240 GL.
[Related content: savings, save money, frugal, spending, Warren Buffett]
Chuck Feeney
Growing up in the wake of the Depression probably has something to do with Chuck Feeney's frugality.
With a personal motto of "I set out to work hard, not get rich," the co-founder of Duty Free Shoppers has quietly become a billionaire but even more secretively given almost all of it away through his foundation, Atlantic Philanthropies. In addition to giving more than $600 million to his alma mater, Cornell University, he has given billions to schools, research departments and hospitals.
Loath to spend if he doesn't have to, Feeney beats both Buffett and Kamprad in the donation category, giving out fewer grants than only the Ford and Bill & Melinda Gates foundations.
A frequent user of public transportation, Feeney flies economy class, buys clothes from retail stores and does not waste money on an extensive shoes closet, stating, "You can only wear one pair of shoes at a time." He raised his children in the same way, making them work the same normal summer jobs as most teens.
Frederik Meijer
If you live in the Midwest, chances are good that you shop at Frederik Meijer's chain of grocery stores. Meijer is worth more than $5 billion, and nearly half of that was amassed when everyone else was watching their net worth drop in 2009.
Like Buffett, he buys reasonably priced cars and drives them until they die, and, like Kamprad, he chooses affordable motels when traveling for work. Also, like others on this list, Meijer is focused on the good his wealth can provide to the community.
The bottom line
The little secret of some of the world's wealthiest people is that they rarely act like it. Instead of over-the-top spending, they're busy figuring out how to save and invest to have that much more in the future.
It's a habit you might want to consider in order to build up your own little storehouse of cash.
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