Asia stocks fall ahead of US jobs report

A man walks by an electronic stock board of a securities firm in Tokyo, Wednesday, June 5, 2013. Asian stock markets fell Wednesday as signs the U.S. Federal Reserve might scale back its super-loose monetary policy caused investors to trim equity investments. Japan's Nikkei 225 index tumbled 1.8 percent to 13,295.89, registering disappointment with a lack of detail in Prime Minister Shinzo Abe's unveiling of the third plank of his so-called Abenomics program intended to rouse a long-stagnant economy. (AP Photo/Itsuo Inouye)

A man walks by an electronic stock board of a securities firm in Tokyo, Wednesday, June 5, 2013. Asian stock markets fell Wednesday as signs the U.S. Federal Reserve might scale back its super-loose monetary policy caused investors to trim equity investments. Japan's Nikkei 225 index tumbled 1.8 percent to 13,295.89, registering disappointment with a lack of detail in Prime Minister Shinzo Abe's unveiling of the third plank of his so-called Abenomics program intended to rouse a long-stagnant economy. (AP Photo/Itsuo Inouye)

A man walks by an electronic stock board of a securities firm in Tokyo, Wednesday, June 5, 2013. Asian stock markets fell Wednesday as signs the U.S. Federal Reserve might scale back its super-loose monetary policy caused investors to trim equity investments. Japan's Nikkei 225 index tumbled 1.8 percent to 13,295.89, registering disappointment with a lack of detail in Prime Minister Shinzo Abe's unveiling of the third plank of his so-called Abenomics program intended to rouse a long-stagnant economy. (AP Photo/Itsuo Inouye)

BANGKOK (AP) ? Asian stock markets fell Friday, ignoring a rebound on Wall Street, as investors stayed on the sidelines ahead of a key U.S. jobs report later in the day.

Investors were also registering disappointment with the European Central Bank after it failed to fulfill hopes for a dramatic step to spark economic activity in the recession-mired region. Confusion about which direction the U.S. Federal Reserve might go with its bond-buying stimulus also kept investors edgy.

Japan's Nikkei 225 index lost 1.3 percent to 12,734.91 after the dollar sank against the yen Thursday. Hong Kong's Hang Seng fell 0.6 percent to 21,715.68. South Korea's Kospi lost 1.5 percent to 1,930.80. Australia's S&P/ASX 200 shed 0.7 percent to 4,746.40.

Later Friday, the U.S. Labor Department will release its employment report for May. The report is closely watched for signs of improvement in hiring, critical for the health of an economy trying to pick up the pace of a sluggish recovery.

On Thursday, investors were disheartened by lack of new initiatives from European Central Bank president Mario Draghi to help boost ailing European economies.

Even though the ECB cut its 2013 growth and inflation forecasts for the 17-country euro currency grouping, Draghi said the governing council felt there was no reason to act now, especially as recent data suggest an improvement in the current gloomy economic conditions.

Fed chief Ben Bernanke has said the U.S. central bank might pull back on its $85 billion-a-month bond-buying program if economic data ? especially hiring ? improves. But other Fed officials have spoken about a winding down of asset purchases sooner. The uncertainty over a possible tapering of the stimulus has been a cause for concern for many stock investors over the past couple of weeks. The stimulus has been a boon to stocks, which have been pushed up by investors looking for returns that outpace bonds.

Wall Street stocks posted a modest recovery Thursday. The Dow Jones industrial average rose 0.5 percent to 15,040.62 points. The Standard & Poor's 500 added 0.9 percent, to 1,622.56 points. The Nasdaq composite index rose 0.7 percent, to 3,424.05 points.

Benchmark oil for July delivery was down 3 cents to $94.73 per barrel in electronic trading on the New York Mercantile Exchange. The contract rose $1.02 to close at $94.76 a barrel on the Nymex on Thursday.

In currencies, the euro rose to $1.3250 from $1.3245 late Thursday in New York. The dollar fell to 96.44 yen from 97.22 yen.

___

Follow Pamela Sampson on Twitter at http://twitter.com/pamelasampson

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2013-06-06-World%20Markets/id-c0cd7103bab04c36ab4927403171eab2

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Beyond Flat: Six iOS 7 Fixes Apple Needs to Make

Black, white, and flat all over. Those are the much-ballyhooed words of an anonymous source quoted by every tech blog on the Internet last week, describing the future of iOS. And indeed, if early glimpses are any indication, some flatness may be in our future. But there's a more important question out there that has yet to be answered: How will iOS 7 function?

Broaching the subject of what iOS 7 will look like is a little bit like deciding to retile your kitchen; it seems like a simple task, until you get a look at the horrifying ant problem beneath the clean white surface. And iOS has plenty of ants to exterminate.

Beneath the relatively superficial GUI discussion?so long, skeumorphism!?lies a deeper well of ideas about the functionality of iOS 7. Conceptually, it sounds like the inverse to flat design: open up apps. Increase user access to settings. Design for the experienced user. We?ve heard a lot about flatness these past few months?but a flattened GUI will (hopefully) lead to a more multi-dimensional, flexible operating system.

Curious about what others imagined, I spent a few days polling designers and experts, asking for their input: What?s worth saving in iOS 6? What?s worth overhauling with iOS 7? What will iOS12 look like? Here's what they came up with; let's hope these changes are at the top of Apple's hit list as well.

Design for the Experienced User

The popular criticism that iOS 6 is too visually complex?e.g., the stale skeuomorphic flares like the Newsstand or the leather iCal stitching?is paired with the exact opposite criticism of its functionality: that it?s too simple.

Nielsen Norman Group partner Bruce Tognazzini, who was one of the earliest Apple employees and the developer of its first Human Interface (though, he notes, ?Apple?s only had one HI designer [before Ive's new role], and he died about nine months ago"), describes iOS? strict simplicity as ?forced limitations.? As Tognazzini?or Tog, as he?s known?explains it, forced limitations were inherited from Apple?s desire to design operating systems that first-time users could easily understand. ?When we built Lisa in 1981, no one had ever seen this interface,? he says. ?But that era is long gone.?

Six years after the original iOS, and 32 after the original OS, Tog argues that it?s time to stop designing for the first-time user. The forced limitations on his kill list range include basic things, like making it possible to schedule iCal notifications on exact minutes (rather than every five or thirty). Then there?s Photos, which Tog argues is overly simple for the current use case, where nearly every user has thousands of photos. ?They live in flat-land,? Tog says. ?They strip everything away. So not only can you not browse, you can?t search.?

Giving users a bit more latitude with the way they can organize and edit photos would go a long way. Even more pressing? The fact that users can?t choose to opt-out of stock apps. Or even choose which browser we?d like to set as the default.

Create a Keyboard For Adults

If iOS is going to truly revolutionize how we work, it needs a keyboard with a better interaction model. Even the addition of a forward, back, and delete key would do wonders. And the cursor itself is problematic: according to Tog, it violates Fitts' Law, a well-known Human Interface rule that says the time it takes a user to move a target is directly related to the size of the target. "It sounds obvious," he adds, "but it?s amazing how often people do it wrong."

Rethink the Siloing of Documents and Apps

The iOS treatment of documents, and by extension, the restrictions between sharing data between apps, is another target. ?This business of docs inside of app is crippling the functionality,? Tog adds. ?People talk about tablets replacing computers in five years? Not if it takes five times as long to do the same task.?

According to recent rumors, AirDrop integration may be a major part of the iOS 7 update, though there are plenty of gripes about how information is shared between apps on a single phone, too. For example, why can?t we copy images into the notepad? Or test out apps before we buy them? Siri?s monolithic functionality was another frequently-ground axe: why can?t we ask her to interact with other stock iOS apps?

Curt Collinsworth, the Director of Digital at San Francisco product powerhouse fuseproject, argues that the entire architecture of the system needs an overhaul, since the use case has changed so drastically over the past six years. ?There are so many more interactions with the device, in so many more contexts, than when the first iPhone came out,? he says. ?It?s starting to feel bloated with all the band-aids that have gotten put on them over the years. I don?t think Apple could have imagined it. You almost have to start over.?

Update iOS for "The Year of the Sensor"

The interaction model of past iOS versions is based on a fairly new smartphone user?one who isn?t normally tinkering with their settings and accounts. Along the same lines, the sensors in our phones are capable of reading an incredible amount of information?and right now, much of it goes unused. ?This is the year of the sensor,? says Tog, who imagines Wi-Fi-based security that senses when a user is at home and disables the iOS passcode. ?If you?re at home, you don?t need your passcode for banking and health apps.?

Embrace the Legacy of Apple Industrial Design

Much of the discussion about Jony Ive has focused on whether an industrial designer can revamp a digital product. Collinsworth, in particular, is quick to point out that we?re forgetting something:Tthe very first interaction designers were industrial designers. After World War II, a golden age of industrial design emerged, thanks to the confluence of wartime engineering and nascent mid century-design principles. As an example, he cites the famed Eames Chair was based on a fibreglass crutch developed for soldiers during World War II.

That was almost seventy years ago. Digital design?and the concept of UI itself?has only been around for a few decades. And the idea that the two fields are mutually exclusive is probably just a function of our lingering awe over the advent of digital interfaces in general. ?I think people are starting to realize it?s the same thing, it?s just different mediums,? says Collinsworth. ?There?s no reason Apple can?t apply the philosophy they?ve had for their products to the digital. But it?s going to manifest itself in a different way from one medium to the other.?

Resist the Urge to Flatten

At the same time, there's plenty to be learned?and retained?from iOS 6. Apple didn?t get to where it is today by jumping on prevalent design bandwagons. Everyone I spoke with about iOS 6 had differing ideas about what should be salvaged, but almost everyone I talked to was certain of one thing: that the brilliance of Apple?s original iOS is that it taught nearly the entire mobile market how to interact with a smartphone. Being first and best?at least for a few years?isn?t a bad basis from which to take the next step.

The speculation over a flat iOS 7 has focused primarily on whether the new UI will look like Windows 8 or Android, with sharp corners, monochrome palettes, and responsive panels. That?s not the only way to think about ?flat design.? Flatness, deep down, is really just a call for designers to think harder about how they use the space of the screen.

In other words, we shouldn?t look for a UI that looks (or functions) like a Dieter Rams radio. Rather, we should look for an iOS 7 based on an ethos he and other designers held to: honesty to materials (in this case, the pixel) and a faithfulness to a pure expression of the medium (in this case, the digital). "Flatness? isn?t really about sharp corners or shadows?it?s about purity of function. ?We?ve heard Jony Ive talk about finding the simplest form that?s almost invisible; Because it?s so pure and useful, it also becomes beautiful,? says Collinsworth. ?I think there?s way more ways to do that than the Microsoft way."

Source: http://gizmodo.com/beyond-flat-six-ios-7-fixes-apple-needs-to-make-511446667

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Saturn's metal-poor 'cousin' discovered with little telescope

June 4, 2013 ? A scientific team led by University of Louisville doctoral student Karen Collins has discovered a hot Saturn-like planet in another solar system 700 light-years away.

Collins announced the discovery of exoplanet KELT-6b Tuesday, June 4, during the American Astronomical Society's national meeting in Indianapolis.

Astronomers caught sight of the planet when it passed in front of, or "transited," its host star -- and they've since discovered that the planet resembles one of the most famous and well-studied transiting planets, HD 209458b.

The discovery was made using inexpensive ground-based telescopes, including one specially designed to detect exoplanets and jointly operated by astronomers at Ohio State University and Vanderbilt University.

As seen from Earth, KELT-6b resides in the constellation Coma Berenices, near Leo, and has an orbit that transits its star every 7.8 days. That means a "year" on the planet lasts just over a week, and its trip across the face of its star, as seen from Earth, lasts only five hours.

Five hours may seem like a short time, but most planets found by ground-based telescopes have even shorter orbits. So catching a complete observation of KELT-6b took more patience and substantially more luck than usual -- a total of seven hours of continuous telescope time with clear skies during darkness. Collins had clear skies on both of her only two opportunities to catch the planet earlier this year at UofL's Moore Observatory.

KELT-6b is now the longest-duration full planetary transit continuously observed from the ground, she said.

Collins, an electrical engineer whose longtime fascination with astronomy led her to this second career, called the work an adventure. "To participate in planet discovery here in Kentucky, it's just incredible to me to be able to do that," she said. Her work is supported by a NASA Kentucky Space Grant Consortium graduate fellowship.

KELT stands for the Kilodegree Extremely Little Telescope project. The KELT North telescope in Arizona and its twin, KELT South in South Africa, are no more powerful than high-end digital cameras, but they've proven that small telescopes can make big planet discoveries. But while KELT North briefly glimpsed the new planet last year, the team needed help with follow-up observations to capture the entire transit, explained Scott Gaudi, associate professor of astronomy at Ohio State and member of the KELT team.

The KELT telescopes record images of huge swaths of night sky. Scientists search for slight, periodic dimming of any stars in the images, which could indicate a planet transiting its star. Once the slight variation in light is detected, scientists use other telescopes to determine exactly which star is affected and precisely how much it dims. Collins was able to make the critical observations.

"Karen chased the planet down and got the data that we needed to ask for precious Keck time," Gaudi said, referring to the high-powered twin Keck Observatory telescopes in Hawaii. "With the Keck data, we were able to take a much closer look and confirm the discovery of KELT-6b."

Collins and her team determined that KELT-6b is a hot gas-giant planet orbiting a star about the same age as our sun. The planet resembles our own Saturn in terms of size and mass, though it has no rings. It also resembles the most studied exoplanet to date, HD 209458b, but differs because it was formed in an environment low in metals -- that is, elements heavier than hydrogen and helium.

"KELT-6b is a 'metal-poor' cousin of HD 209458b." said Keivan Stassun, Vanderbilt astronomy professor and member of the KELT team. "The role of metals in the stellar environments in which planets form is a major question in our understanding of these other worlds. This new planet is among the least endowed with such metals that we know of, and because it is so bright it should serve as a benchmark for comparative studies of how and under what conditions planets form."

Thomas Beatty, a doctoral student at Ohio State, said the discovery highlights the importance of partnerships involving low-power telescopes. "KELT would be impossible without our network of professional and amateur observers," he said. "They do a lot of the hard slogging in surveys like this one, staying up all night to watch stars that, more often than not, turn out not to have planets."

Gaudi, Stassun and Beatty, along with Joshua Pepper, assistant professor of physics at Lehigh University, and John Kielkopf, professor of physics and astronomy at UofL, all partnered with Collins on her discovery. Additional funding for the work came from the National Science Foundation, NASA and Vanderbilt University.

Collins, who plans to graduate with her doctorate in 2014, is working to confirm and characterize a second body in the same system as KELT-6b.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_science/~3/ybp3x5hluo0/130604153506.htm

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What the New WWDC App Tell Us About iOS 7

Apple's new WWDC app, meant to guide developers through next week's mega-conference, is up in the App Store today. If you look closely, you can see bits of iOS 7 in it. While it's exceedingly easy to overvalue just how much this app means?Apple surely doesn't want to tip its hand before the event?there are still some obvious visual clues as to what awaits us in iOS as a whole. Let's take a look.

Read more...

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/XWSL9IHZdOc/what-the-new-wwdc-app-tell-us-about-ios-7-511115621

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mREITS Dump MBS?, Nationstar and Walter, 401k down Payments ...

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Mortgage Bonds Slump As Mortgage REITs Dump Them ? By Michael Aneiro ? Barrons

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(IOs thrive in a bear market ? hybrid mREITS thrive too) Nationstar, Walter Investment better positioned for interest rate spikes ? By Christina Mlynski ? ? FBR Capital Markets & Co. noted in its latest report. ? ? Housingwire

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Some Retirees Can Use 401(k), IRA Potential Income to Secure Loans ? Mortgage investment giants Fannie Mae and Freddie Mac have eased rules to allow retirees the use of ?imputed? income ? or potential earnings over a period of time ? from 401(k), IRA and other retirement assets to qualify for a home loan. ? eCreditDaily.com?
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Study: How Using Homes as ATMs Fueled Foreclosures ? By Nick Timiraos ? ? The paper, published by Steven Laufer of the Federal Reserve Board, examined a sample of homeowners from Los Angeles County and found that 40% of defaulting homeowners had purchased their homes before 2004. ? The bottom line: equity extraction was responsible for around 80% of defaults among homeowners who purchased their homes before 2004, representing around 30% of all defaults between 2006 and 2009. ?- Wall Street Journal

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(houses are unaffordable?) Chart Of The Day: Crushed US Consumer + All Time High New Home Prices = Record Housing Bubble ? Submitted by Tyler Durden ? ? American?s purchasing power expressed through real disposable income per capita, we got this chart? ? Zero Hedge?
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(ABX residential index overdone?) Haunted By The Last Housing Bubble, Fitch Warns ?Gains Are Outpacing Fundamentals? ? Submitted by Tyler Durden ? Zero Hedge

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(things have changed) Realtors Go Knock, Knock, Knocking on Homeowner?s Doors - BY MIKE WHEATLEY ? With housing inventories across the country still fairly limited, a number of real estate professionals have taken to the streets, going from door-to-door in order to ask homeowners if they?d be interested in selling up. ? Realty Biz News

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Housing Bubble II: Euphoria And Other Shenanigans - Submitted by testosteronepit ? Zero Hedge?
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(chart of top 25 flip markets) Flipping Homes Back To 2005 Levels ? Submitted by Tyler Durden ? Zero Hedge http://www.zerohedge.com/news/2013-05-29/flipping-homes-back-2005-levels
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(with rates rising here is a lesson in duration) Remember Those Apple AAPL Bonds?
Submitted by Tyler Durden ? Zero Hedge?
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Report: Short Sales Replacing Mods as New Norm ? BY: ESTHER CHO ? ? Meanwhile, short sales showed significant increases over the last couple of years. In 2012, short sales represented 51 percent of resolutions for bank servicers, up from a low of 20 percent in 2010. For nonbank servicers, short sales grew to 16 percent in 2012, up from 11 percent in 2010. ? ? DS News?
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LPS: Home Prices Climb 2.9% from January to March ? BY: ESTHER CHO ? DS News

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(7 charts) The Housing Recovery Is Real ? Calafia Beach Pundit ? Seeking Alpha

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Sweden Housing Crash Coming Up; Average Swede to Repay Mortgage in 140 Years; Swedish Central Bank Ponders New Rules ? Mike Shedlock ? Swedish repay their mortgages so slowly that it will take 140 years on average, according to the IMF. ? MISH?S Global Economic Trend Analysis

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Pressing needs test GOP's smaller government stand

WASHINGTON (AP) ? President Barack Obama says a government that works properly can be best-equipped to help and protect the public. Republican believers in a less-is-more government generally disagree.

Yet on a variety of policy fronts, pressing financial and other needs are forcing Republicans to concede more publicly than usual that minimalist government isn't necessarily a one-size-fits-all solution.

Natural disasters batter states. Security threats highlight the need for a robust defense apparatus. Offers of federal dollars for health coverage are tough to reject.

Most conservatives see Obama's presidency as epitomizing overreaching and bloated government. They point to his health law, various bailouts, stimulus spending, universal pre-kindergarten and tough environmental rules as prime examples.

The perception of an out-of-control government has gained steam in the early months of Obama's second term, with his foes citing the Justice Department's snooping on reporters in leak investigations and an admission by the Internal Revenue Service that agents unfairly targeted conservative groups.

"You've grown up hearing voices that incessantly warn of government as nothing more than some separate, sinister entity that's at the root of all our problems," Obama recently told graduates at Ohio State University. "You should reject these voices," he added.

In recent days, some Republicans have done just that.

This past week saw the president play arcade games and trade jokes on a Jersey Shore tour with GOP Gov. Chris Christie of New Jersey. Christie is a fiscal conservative who has shown no patience for massive government spending, except when it comes to billions in federal aid for his state after Superstorm Sandy.

While Congress stalled on storm aid, it was Christie and other Northeast Republicans who criticized members of their own party for insisting that Federal Emergency Management Agency dollars be offset by cuts elsewhere in the federal budget.

"Republicans, Democrats, independents ? we all came together, because New Jersey is more important and our citizens are more important than any kind of politics at all," Christie said on Tuesday.

Two days earlier, it was Mary Fallin, another Republican governor with a distaste for over-the-top government spending, who welcomed Obama and the post-tornado aid his administration brought.

In Arizona, GOP Gov. Jan Brewer is in a fight to force lawmakers in her conservative-leaning state to embrace a dramatic expansion of Medicaid made possible by an infusion of federal dollars under Obama's health care law.

Although she joined other Republican governors in suing the Obama administration over the law, she's now told the Republican-controlled Legislature that she'll veto every bill sent to her until lawmakers approve the expansion.

Brewer's administration in recent years installed a Medicaid eligibility freeze to help balance the state budget. But rejecting the Medicaid dollars under the new law, with Washington offering to pay 100 percent of the cost for the first three years, meant telling about 300,000 poor Arizonans they're out of luck while their counterparts in other states get coverage.

"I never liked the Affordable (Care) Act," Brewer said this year. "But, we don't cut off our nose to spite our face."

So Brewer joined eight other Republican governors, including Christie, in calling for the expansion to go forward. Six of those governors have received legislative approval or appear on track to do so.

"I think governors who take that are being expedient," said Chris Chocola, the president of the fiscal conservative group Club for Growth. "They're certainly not limiting the size of government."

White House officials say it's consistent with a Republican pattern of railing against the government until something happens in their state or district that merits assistance or rescue.

"It's reverse NIMBY politics in a way," said Dan Pfeiffer, a senior White House adviser. "Instead of not in my backyard, the GOP philosophy is only in my backyard, not anyone else's."

Republicans say that while there are some exceptions among their ranks, the differences are generally small and the overarching philosophy remains intact and widely embraced. On disaster aid, for instance, they say Republicans have consistently supported it as a concept; the key question is how to pay for it.

"The conservative movement and the Republican Party is not arguing for a government the size of zero. It's arguing for a government that acts responsibly and makes decisions about priorities," said Dan Hazelwood, a Republican strategist whose clients have included President George W. Bush. "The binding of the coalition is generally, we want the trajectory down."

He contrasted that to the position of Democrats, who he said "want to just increase everything."

Other fractures in the opposition to a strong central government have been highlighted by the renewed look at how the U.S. protects itself against security threats abroad.

Obama recently proposed closing the costly Guantanamo Bay detention facility in Cuba and allowing greater oversight and limitations on when and how the U.S. can assert itself militarily overseas.

Those ideas were met with doubts from some prominent Republicans, who suggested the military needs broad latitude to fight terrorism threats. Other conservative Republicans supported making some of those changes.

___

Associated Press writer Ricardo Alonso-Zaldivar contributed to this report.

___

Reach Josh Lederman on Twitter at http://twitter.com/joshledermanAP

Source: http://news.yahoo.com/pressing-needs-test-gops-smaller-government-stand-153003706.html

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How To Become A Successful Internet Marketer | HVAC Blog

Jun 2, 2013 by admin

It is an undeniable fact that it?s really easy to ?make money through the internet? (also known as ?faire de l?argent grace a l?internet? in French language) but if you follows right steps. A concerted internet marketing effort is vital for almost every sort of company. This article will present a few easy tips that can boost the impact that online marketing can have for your business.

As we all know internet marketing will rely upon your efforts to grow your online presence. There are so many ways to do this. The best way to be successful is making proper use of social networking websites. As they aid you to create a basis of followers by posting useful and interesting content. Once you have a certain number of followers, you can mention your product in a post or a tweet. Facebook is another powerful platform which helps in online visibility of a business in short period of span. You just need to create a facebook business page for your brand and after creating it, make fans & start promoting your product or services.

I am sure these tips would help many businesses and website owners in improving the online presence of their product or brand. Marketing online is a powerful way to reach a vast pool of potential customers. Tapping into this pool can increase the exposure and the possible profits of your business, no matter what your field of work is.

Source: http://www.gotchabox.com/how-to-become-a-successful-internet-marketer/

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