A Buy Sign for Microsoft?

The following video is part of our "Motley Fool Conversations" series, in which technology and media editor/analyst Andrew Tonner and technology editor/analyst Brenton Flynn discuss topics across the investing world.

Investors have been looking at Microsoft with a lot of interest since the beginning of the year, and for good reason. Microsoft just announced some very encouraging news regarding its Windows operating system. However, Microsoft has generated almost no return for its investors over the last decade, making some market watchers view it as a value trap. At the same time, it appears that Microsoft could have several intriguing catalysts coming its way in the next 12 months, and it trades at some extremely tempting multiples as well. So what does this all add up to? Should investors start considering the software powerhouse? Our tech editor weighs in on what to make of Microsoft today.

If you're one of the thousands of investors riding Apple to spectacular gains, you're doing yourself a disservice by not looking across the whole variety of companies benefiting from the same trends the make Apple the most valuable company in the world. The Motley Fool has just released a free report on mobile named "The Next Trillion-Dollar Revolution" that details a hidden component play inside mobile phones that also is a leader in the exploding Chinese market. Inside the report, we not only describe why the mobile revolution will dwarf any other technology revolution seen before it, but we also name the company at the forefront of the trend. Hundreds of thousands have requested access to previous reports, and you can access this new report today by clicking here -- it's free.

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The Steve Jobs Betrayal
You may already know that in the final year of his life, Jobs revealed a stunning betrayal ? and told his biographer, "I will spend my last dying breath... and every penny of Apple's $40 billion in the bank to right this wrong." What was it that made Jobs so irate ? and why could it make a few in-the-know investors some major profits over the coming months and years?

Enter your email address below to find out what made Jobs so enraged!

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Source: http://feeds.fool.com/~r/usmf/foolwatch/~3/RdQaTGDiVk0/story01.htm

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Great Britain Ppi Insurance Seemed To Be Commonly Mis-sold

A Monthly payment Protection Insurance, or PPI pertaining to brief, is something that people would actually want to their life, since it is undoubtedly an insurance that will help when you cannot settle whatever debts you may have. Instances here include as soon as borrower was self-employed, unemployed or retired right after they were being offered for sale the ppi insurance cover. The financial reclaims adviser takes a percentage because of this as their bill. But still largest problem with PPI is to be vastly miss-sold because many of the basic information regarding the policy and exactly how it works is definitely kept hidden mainly because exclusion clause during the so-called "small print" with the policy. In certain problems, the insurance are going to pay your monthly repayments on a certain time, usually 12 calendar months.

As people mentioned previously, if you are in several situation that is allowing you to not be able to maintain up with monthly home loan repayments for example, you can submit a PPI state. If you feel that an insurance dealer misled you or not satisfying you did www.claimingbackppi.co definitely not fully explain typically the insurance terms, you do not have in which to stay this insurance contract. So organisations experienced targets set approximately selling these coverage and sales assistants bought large commission payments for accomplishing this. The coverage furnished by the policy relies on the premium figures paid and other small print. Because of this specific rationale, borrowers will be deciding to have interaction mis sold PPI claims agents which will make them collect its settlement on an easy and hassle-free will mean.

In a large number of cases customers found anytime they tried to manufacture a claim on their particular PPI policies, the policy hasn't been suitable because these folks self-employed, making it completely unsuitable for your kids. In the continue case, if the buyer happens to shed his job or perhaps becomes sick and struggles to repay the property finance loan, the insurance provider denies to present financial coverage in the grass that he is simply not eligible to locate the help. Most people that contain PPI that advertised it or wouldn't claim it you should not really file in instances on it once it becomes a challenge of making obligations. Why don't we look into why individuals could possibly file an insurance plans claim and simplest way to start preventing some issues to be certain your PPI insurance coverage claims are sanctioned in due point in time.

But, do you manage to settle such a case in a fashion that meets all from your requirements? One thing to recollect is that PPI is smart when you have a very good mortgage, just because the loan may be for a greater total. PPI insurance claims has to be done correctly so that you are approved. Apart from being unacquainted with having such a address that can really allow them to have a protecting adjustable rate mortgage, numerous of us are never ever aware that they're in the handbags affiliated with mis marketed PPI coverage that's not necessarily suitable to meet up with their own wants in the most ideal solution, and any assures, in the celebration that made, are deemed to be able to failing. If it is certainly, thus, confirmed then it's essential to be informed of an thousand or therefore people more who're making these claims regularly, trying to acquire PPI refunds.

The additional name for check protection insurance is definitely loan payment safety. Many banks were paid from the main insurance companies in promoting PPI polices together with their staff may have received bonuses as well as commissions on each and every customer that listed. Mortgage Payment Insurance Insurance (MPPI), Personal Loan Coverage (PLP), Credit Card Pay back Protection (CCRP), and Life, Accident, Sickness and Redundancy (Life & ASU) cover are are just some of the other brands for PPI. Once you will be sure about most of the terms of the insurance, easily you will have claim amount to defend your accident, illness or some other charges.

A enforced PPI is if your lender refuses you can sell organic the loan right up until you've taken any PPI. The replacement service compensation is commonly employed to pay services along the lines of yard work, maid, which you aren't able to pay by yourself because you're not fit to operate. Not one inches 20 who avails this specific knows what they already have signed in for the purpose of. This loan protection insurance can be a cover against inability to cover premiums for this loan taken, in case in sickness, illness or almost every other reason.

Powerful Road Of List Beats By Doctor. Dre Studio Headphone

Searching for your new pair associated with headphones and overwhelmed by flood of different types of regular and Wireless and wireless earbuds? Many quality conscious people chilling out shopping for headsets have Shure as their primary choice of earphones, only going for anything when they absolutely can't look for the Shure headphones. Only improve any diaphragms sensitivity belonging to the current will trigger a serious distortion. The presence of your form of superior engineering ensures that there is no loss of songs signal. It should concentrate click it to pick it that primarily with batteries the Studio can do. Standard headphones, like those that include an Apple ipod device, don't last extended under such maltreatment.

In layout, Monster beats tour's main advantage with the low-frequency: Maxell, Sennheiser, Sony, Phillips, and RCA are several of the manufacturers who help to make mp3 headphones. Then you provide the Sennheiser HD280 to decide on which is at . Technically, headphones are just a few small loudspeakers which were attached to much of our auricles. The ear buds has to be of the right size for any wearer of music headphones.

I commonly use noise canceling headphones along with a portable CD and also cassette player. Due to the, the majority of headphones that you can purchase are dynamic earphones. As Hip-Hop & Rap happens to be an important branch regarding nonlocal American modern culture, there are a large number of rapper products together with Hip-Hop & Hip hop culture consumer goods typically. So now you'll be able to listen anywhere inside or even just outside in your home. It is popular associated with the teenagers in the act of listening music by mobile devices, mp3 and private stereos etc. Advanced Audio Service Profile (A2DP) allows many phones and personal online digital assistants to river high-quality audio with your Bluetooth-capable headphones. For these highly successful people, they need to help keep themselves fashionable constantly and they need some of good quality headsets too; thus, Monster Beats Facility headphones become its choice.

While ordering an mp3 player it's best to try the headphones that is included in it and see if and when they fit well and are also comfortably light towards wear. You have way more options in regards to using your headsets today! As identified from Chen & Pash ('08), in How to undertake Everything with The iPhone, headphones from companies including Shure (to remain used with Shure iphone4 adapter) and V-Moda will probably offer the best quality, in terms in audio, out of your iPhone. Any electronic gadget is subject to getting damaged in case it is left lying abandoned using some corner of everyone in the room. This is so why these headphones are regarded as being professional level earbuds.

You must maintain wireless headsets properly. The materials which might be employed for the construction from the inner intricacies, the cabling called for - literally all facets of the headphone comes with an associated function. To be absolutely sure, no person on their right mind begins consciously sabotaging their boss although they were supplied uncomfortable headphones that will wear. Sound production can be, after all, the purpose which is why headphones are invested in. To offer safe and sound fit during working movement, some sports headphones could also be uncomfortable for a few athletes when worn for a long time.

DARK SIDE OF HAPPINESS: 4 Reasons Why Happiness Can Be Horrible

crying

If you were ever skeptical about happiness...well, there's some new science out there for you.  June Gruber of UC Berkeley's Greater Good blog writes about the latest studies in the area of "the dark side of happiness."

"Researchers are just starting to seriously explore these questions, with good reason: By recognizing the potential pitfalls of happiness, we enable ourselves to understand it more deeply and we learn to better promote healthier and more balanced lives," she writes.

Gruber and her colleagues Iris Mauss and Maya Tamir identify four such pitfalls.  We summarize here.

  1. "Too much happiness can make you less creative—and less safe."A 2008 study showed that when people experience intense amounts of happiness, they lose their creativity boost.  Another study showed too much positivity makes people unable to face new challenges.  Furthermore, happiness makes us less inhibited to take new risks, which often makes us ignore warning signs.  Such risky behaviors include "excessive alcohol consumption, binge eating, sexual promiscuity, and drug use."
  2. "Happiness is not suited to every situation." Happiness make us feel like our goals are fulfilled, which makes us less competitive.
  3. "Not all types of happiness are good for you."  Happiness leads to feelings of pride, which can lead to "negative social outcomes, such as aggressiveness towards others, antisocial behavior, and even an increased risk of mood disorders such as mania." In other words, happiness can make it more difficult to connect with other people.
  4. "Pursuing happiness may actually make you unhappy."  A new study shows that the more you pursue happiness, the less likely you're able to obtain it.  Standards of happiness become higher, which makes disappointment more likely.

Gruber recommends four ways to find "healthy happiness": 1) experience the right amount of happiness, 2) be mindful of when and where you experience happiness, 3) strike emotional balance, and 4) pursue happiness for the right reasons.

[h/t Freakonomics]

SEE ALSO: These 10 Countries Have The Highest Quality Of Life >

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Do You Really Need a Credit Card?

--> credit cards vs. cashBy Jill Krasny

Lately a lot of consumers have been asking whether they really need to carry a credit card.

It seems just as easy to get by on cash, and all the identity theft and shady lender practices making headlines aren't reassuring.

Also, the outcry against big banks and practices like debit card fees and swipe fees put off consumers who felt taken advantage of.

We tapped two of our favorite credit experts, Bethy Hardeman of CreditKarma.com and John Ulzheimer of SmartCredit.com, to weigh in on the pros and cons of carrying plastic.

Do you really need a card? Here's what they had to say:

  • Travel arrangements. "It's hard to travel with cash all the time," said Ulzheimer. Reserving a room a car rental are tough enough with one and using a debit card instead can be a recipe for theft. There's also a certain kind of relief that comes with knowing you can travel anywhere in the world and still be protected if there's an emergency.
  • Protection and security. You'll get a lot more security with a credit card than you will with cash or a debit card. Once the cash is gone, it's gone. And debit cards, which are linked to your banking account, can easily help a crook to your wallet if the card is lost or stolen. As Ulzheimer pointed out, with a credit card, all it takes is a simple phone call to prevent further loss and identity theft.
  • Financing a home or a car. It's getting tougher and tougher to take out a mortgage these days, and like it or not, lenders will be checking your credit report. If you haven't got a card, there won't be a credit history to speak of, and you'll have a much harder time proving to lenders you're responsible with money.
  • Because you think you should have it. "You shouldn't get one just to get one," said Hardeman, who added that "it's worse to get an auto loan just to get an auto loan. Taking out a lot of debt, even if you have the cash to pay out of pocketm isn't a good idea because you'll likely be paying interest on it."
  • You're not planning to buy a home (or a car). "It's really up for the individual to decide," Hardeman said. "But if at some point you're going to need these things, the credit card is the best way to do it."
  • You impulse shop. "Clearly, if you're irresponsible or undisciplined, you can find yourself getting into a lot of debt quickly unless you can write a big fat check," said Ulzheimer, but "there comes a point in your life where you do need the convenience of plastic."




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Source: http://www.dailyfinance.com/2012/05/25/do-you-really-need-a-credit-card/

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April New Home Sales: The Hype Versus The Reality

Check out some of the headlines a few day ago following new home sales reports.

Detroit Free Press: April new-home sales increase 3.3%, pointing to recovery

"Americans bought more new homes last month, the latest evidence that the U.S. housing market could be starting to recover."

Fox Business News: US New-Home Sales Up 3.3% In April; Prices Rise In March

"Sales of newly built homes in the U.S. grew faster than expected in April and home prices posted a solid gain the prior month, adding to the increasing momentum for the long-struggling sector."

New York Times: New-Home Sales Climbed in April, Building Optimism

"The spring home-selling season got off to a strong start in April, the Commerce Department said Wednesday, with rising sales and prices providing evidence that a housing market recovery was gaining some traction."

San Francisco Chronicle: New-home sales rise in April

"Americans bought more new homes last month, the latest evidence that the U.S. housing market could be starting to recover."

The Hype vs. The Reality

After all that hype, let's take a look at the reality. To eliminate seasonal fluctuations, the best comparison is the current month vs. the same month in previous years.

Here is a chart from reader Tim Wallace that shows what I mean.

chart

Being the ever-optimist, I happen to believe that home sales are in a bottoming process. However, a bottoming process and a "recovery" are not the same thing. A claim that a recovery is underway needs to be backed up with facts, not hype.

There is little evidence of a recovery.

We have heard similar recovery stories (all false), dozens if not hundreds of times. All were based on wishful thinking, gimmicks, temporary fluctuations, and shoddy reporting similar to what you see above.

Supposedly the "recovery gains traction". Pray tell what "recovery" is that?

Mike "Mish" Shedlock
http://globaleconomicanalysis.blogspot.com
Click Here To Scroll Thru My Recent Post List

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The Words Federal Agents Are Looking For On Your Facebook Page Will Surprise You

DHS

The Department of Homeland Security's National Operations Center is a sprawling D.C. facility where over 80 federal, state and local government agencies struggle to keep the lid on domestic terrorism.

With a workforce that size and a $46 billion budget, training is paramount and facilitated through the agency's "Analyst's Desktop Binder" that gives a rundown on where agents can look for credible leads and what words should raise flags when prowling social media sites.

A freedom of information request pulled the binder into the press a couple months ago, but the topic has resurfaced and the entire binder is now uploaded to Scribd.

When DHS and other agencies see mention of agencies like Homeland Defense on someone's Facebook page they become concerned. 

DHS

Hazardous material teams become concerned when they see the word cloud.

DHS

And health teams become concerned when they see the word pork.

DHS

The full report is pretty interesting, but the list of news agencies the DHS looks to and how they break them into qualified groups is also intriguing.

Agents looks to CNN and Fox as the first two news sources in their First Tier credible sources for corroboration. Then the networks, MSNBC, AP, and Reuters. Sorry Bloomberg.

Business Insider would fall somewhere in the Third of Fourth (last) Tier under "serious" blog or news collection/compilation site where everything "Must be verified by a First Tier source prior to release."

Overall a pretty interesting look at how our $46 billion is being spent on training.

Now check out the refueling of the USS Wasp >
 

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