Mortgage Volume Has Dropped 42% From '09, Despite Historically Low Rates

That's quite an ugly chart at the bottom of this BI post.  Go here if chart doesn't reproduce on your browser.

Unemployment Rises to 7.2% As Virginia Sheds 32,600 Jobs in February

Virginia's loss of 32,600 jobs in February from January, the largest in records going back to 1983, was the biggest decline among states.

February's 7.2% (seasonally adjusted)  is up from 6.9% in January.  In the grips of the Great Recession, Virginia had a jobless rate of 6.1% in February 2009; the aftereffects keep rolling.

National unemployment remained at 9.7%.  Read more here.

Recently,

(ISENG) 7 Rahasia Meningkatkan Performa Komputer

Huh lagi lagi ga ada inspirasi buat posting-in hal hal menarik... ya sudah mending saya berikan saran untuk anda anda semua mumpung besok adalah Ujian Nasional wehehhe !! Ingin meningkatkan perfoma komputer atau notebook Anda lebih cepat dengan cara aman dan tidak perlu mengeluarkan biaya sepersen pun? Memang ada caranya? Ya, tanpa mengupgrade memori ataupun mengganti prosesor, sebenarnya kinerja

Browsing Lebih Cepat dengan Fasterfox

Firefox oleh banyak orang dianggap sebagai browser yang cukup cepat. Namun, ada saja yang menganggap masih kurang cepat, untungnya telah banyak upaya yang dilakukan untuk mempercepat kinerja firefox yang sudah cepat ini. Salah satunya adalah melalui plug-ins Fasterfox.

Karena sifat firefox yang opensource, banyak orang ‘pintar' yang dapat ikut andil dalam mengembangkan kinerja si Rubah Api ini.

Tips Agar Blog Banyak Pengunjung

Ada waktu yang berharga yang pernah dialami oleh para blogger, yaitu dimana baru memulai membuat blog yang hanya mempunyai satu orang pembaca/pengunjung setia yaitu sahabat sendiri (Anda).

Mungkin beberapa hari kemudian, sahabat bisa mendapat tambahan pengunjung karna memberitahukan pada adik (misalnya), kakak, orang tua, pacar, teman, atau orang lain yang belum sahabat kenal.

Ada 10

USB Flash Drive Tidak Dapat Dibuka Dengan Klik (Ganda)

Baru baru ini saya mengalami permasalahan USB Flash Drive (UFD)  atau hardisk eksternal dimasukkan ke PC atau drive-nya diklik atau diklik ganda pada Windows Explorer, bukan membuka folder dan file di dalamnya, tetapi muncul jendela menanyakan program mana yang akan menjalankan. Kira-kira kotak yang muncul seperti gambar di samping. Juga ketika diklik kanan ada pilihan lain seperti "Play",

Memindahkan Windows di Komputer Lain

Saya pernah melakukan hal serupa dua atau tiga kali dahulu. Yang saya lakukan jika ketika booting dengan hardisk dan Windows lama tidak bisa karena hardware pada komputer baru memang berbeda dengan sebelumnya Berikut adalah 2 langkah yang bisa digunakan, ya terserahlah mau pake yang mana kek yang penting bener ajah dah...


 CARA PERTAMA
Memindahkan hardisk dari komputer lama ke komputer baru;

Mematikan Fungsi System Restore

PC Media Antivirus (PCMAV), antivirus, ya gausah jauh jauh banyak program lainnya, sebelum melakukan scanning/atau input data biasanya akan menyarankan untuk mematikan lebih dahulu fasilitas System Restore yang ada pada Windows. Ini bertujuan agar file virus yang mungkin sudah tersimpan pada restore point tertentu tidak kembali lagi ketika komputer direstore yang kemungkinan akan kembali

Menggunakan Theme Tersembunyi Windows 7 Beta

Bagi Anda yang sudah menginstall Windows 7 Beta, mungkin sudah melihat-lihat atau mengganti theme default yang digunakan. Jika dilihat, pilihan yang tersedia untuk Windows 7 Beta English dengan setting regional Indonesia ada 4 theme yang dapat dipilih yaitu Windows 7, Landscape, Light Auras, dan Nature. Seperti yang telah saya singgung pada tulisan Windows 7 Desktop Screenshot, pilihan

Treasury Plan: Mortgage Principal Reductions for Underwater Homeowners, Help for the Unemployed

UPDATE:  Treasury Press Release. 
The press release also contains links to FAQ and various mortgage-debtor scenarios.

The Federal Housing Administration will take over underwater loans and reduce mortgage principal then reissue new loans, begining in September.   Read here. 

And according to the WaPo, the Obama Admin will order mortgage lenders/servicers to slash or suspend mortgage payments

Mortgage Rates Suddenly Jump Up - Inventory is Up - Local and National Sales Are Down

"Recovery" in 2010?  Apparently not.... Mortgage rates jumped from their lowest in 2010 to their highest on Wednesday, March 24, from about 4.8 to 5.125, impacting fixed as well as adjustable rate mortgages.  The last time there was such a jump, May 2009, it took about six months for the rates to get back to the lows that are now history.

Bad news for those under contract without a rate lock:

Muzu Muncul Sebagai Pesaing Youtube

Muzu Muncul Sebagai Pesaing Youtube Selama ini Youtube adalah situs video populer, kini Youtube harus waspada karena muncul Muzu sebagai pesaing, siapakah Muzu sebenarnya?
Selama ini kita mengenal Youtube sebagai situs berbagi video yang paling up to date. Berita atau video acara-acara televisi dari berbagai Negara bisa kita lihat dengan cepat.
Namun sekarang, ada alternatif lain untuk berbagi

Thoosje Windows 7 Sidebar

Cuma Mau kasih info tentang sebuah aplikasi bagus nih namanya Thoosje Windows 7 Sidebar, Sidebar ini sebenarnya di peruntukan untuk OS Windows 7 namun di konversi oleh Thoosje sehingga dapat di install dan di gunakan untuk pengguna OS Windows XP & Vista, terdiri dari sejumlah gadget yang mungkin sangat berguna bagi rekan-rekan setelah membaca gadget apa saja yang disediakan:
Ini Gadget yang dapat

9 Reasons Home Prices Will Continue Dropping in the Charlottesville Albemarle Area

Forget the Snowpocalypse.  It looks like a "perfect storm" is hitting Charlottesville Area real estate.  

It's Spring Selling Season, and transactions are happening.  But inventory is piling up, and buyers are wary of making money mistakes.  More than ever,  "asking" prices in this market are sellers' hopes that buyers will not fulfill.  2008 saw the slowest sales in a decade.  And then, 2009 

Foreclosure: 501 Westmoreland Court - Carrsbrook - $218,900

As quick as you can snap your fingers, this one will be under contract.  MLS# 474798, a 2,438 sq. ft. 4 bedroom, 3 bath brick lady in desirable Carrsbrook, a leafy subdivision off 29N, across from Walmart, but tucked deeply into woods.  Most recent owners paid $293k in '05, the bank got it back for $241k in Dec. 09, and it's assessed at $264k.

There's essentially no seller-owned house of this

For Sale: Castle. In Ireland. $18M.

Which do you want: One of these listings in Albemarle County, or one of The Queen's offerings for $18M?   It's a toughy. 
Image: www.luxuryrealestate.com

Luck O'The Irish

Today is St Patrick's Day so feel free to drown the shamrock in whatever style you fancy. Rather aptly, this morning I awoke from a Guinness hangover (pre-Patrick's Day drinks, oh yes) to discover that ROY, the CBBC show about an Irish cartoon boy living in the real world, won Best Children's Drama at the RTS Awards. Yahoo! You may remember me wittering on about this fantastic show as I was lucky enough to be part of the writing team last year, wait, two years ago now!



This news is all the more exciting when you consider that it beat MI High and Sarah Jane Adventures, two great shows in their own right.

Anyway, it's the perfect Paddy's Day present, enough for me to seek out more pints of the Devil's milk, and large it up Irish stylee. All I need is a packet of Tayto, Galtee sausages, black & white pudding, and I'm all set for tomorrow's inevitable hangover. But shur, what harm?


Lá Fhéile Pádraig Sona Duit. That's Happy St Patrick's Day to you!

--- UPDATE ---

Also, I should say, I had my first episode of Fair City on last Sunday. Fair City is Ireland's answer to EastEnders, and is the country's leading soap. I'm very proud to have written for both shows as I grew up watching them, wondering if I would ever get the chance to work on them, and now I have! Aw, isn't life nice sometimes.

Foreclosure: 1001 Black Branch Farm - Scottsville - 28+ Acres - $239K

MLS #474718 - This new listing was sent in by several readers, at least two of whom initially thought the price was a typo.  Wells-Fargo re-po'd 1001 Black Branch Farm in Scottsville for $352k, it's assessed for $316k, and it can be yours for $239,900k, which is 32% less than what the bank paid.  Is this the Deal of the Week?  Month?  Year?   The 28.40 acre horse farm is about 10 miles south of

Buyers: Does It Matter If Your Agent Can't Afford the House?

SFGate's On the Block blog wonders if it matters to buyers that many agents in the San Francisco area can't afford the houses they're showing.  Should this matter?  What else should matter?  What matters in this area?  Should it matter if your agent has had foreclosures?  Delinquencies?  Is simultaneously trying to sell his/her own property?  Is a part-timer?  Used "exotic" mortgage products? 

Drive Safely, Or Else You Might Be Used To Raise Revenue

Kaspersky Internet Security 2010

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Ini dia salah satu software antivirus terbaik (paling tidak menurut saya). Berbagai macam program antivirus telah saya coba, seperti Avira, Norton, PCmedia, McAfee dan lain-lain sebelum akhirnya saya mencoba pada KIS 2010 ini . KIS 2010 dapat didownload disini. Tapi, sebelum anda benar-benar menginstalnya, apa saja sih keunggulannya?
 Disini akan kita bahas 3

Membuat Kaspersky Internet Security 2010 anti BLACKLIST

MAAF REPOST !!! Ga ada waktu untuk mengetik, karena yang saya ketik juga pasti akan begini... jadi saya merepost saja biar mudah sumber bisa liat digambar


Membuat Kaspersky Internet Security 2010 anti BLACKLIST

Antivirus Kaspersky Internet Security 2010 (KIS 2010) adalah software antivirus yang sangat bagus dan berfitur lengkap. Sangat jarang program antivirus beriklan (semua software juga

Google Image Destroyer

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"Google Image Destroyer" bukanlah perubahan logo google di halaman pencariannya seperti yang digambar sebelah, Google Image Destroyer adalah nama yang asal saya berikan atas efek yang ditimbulkan oleh sebuah rangkaian javascript terhadap google. Tapi efek ini hanya muncul di Mozilla, IE, (Sotoy saya) sementara Chrome memang tidak dapat menampilkan efek keren ini.

Guarantees

In the world of screenwriting, THERE ARE NO GUARANTEES OF ANYTHING.

It's a sad and painful truth. Just when you think you've done everything right and worked your way up the system, and commissions are due or the exciting gig is about to happen, that's when you can end up with nothing.

There seems to be a few misconceptions about how the system works.

1) IF I GET AN AGENT, I'LL BE FINE
No you won't. You'll have an agent, which is good, but it doesn't hold out a guarantee of any work whatsoever.

2) IF I GET A COMMISSION, I'LL BE FINE
You'll be better off, certainly, and it'll do your profile good but it doesn't mean you'll get another commission, even if they tell you, or your agent, that you will. Plus, the commission could go tits up, resulting in you being rewritten or fired. Back to square one.

3) IF I GET A CONTRACT, I'LL BE FINE
You should be fine, yes. But not even a contract can guarantee what the contract says (amazingly). Sometimes, people just won't pay you, or the work will never materialise, and not even your agent can do anything when everything falls apart. In these instances, you'll need an expensive lawyer.

We all know writers are treated badly but sometimes the level of appalling behaviour is so inexplicable and devastating, it takes a lot to re-gather your strength and confidence.

The good news: keep writing, keep producing the goods, no-one puts Baby in the corner. That bad news: it's hard work, the system pretty much only serves itself, and THERE ARE NO GUARANTEES OF ANYTHING.

Remember that practical approach you had and the long game you had planned in order to make it? Double it. Nay, triple it. Put your head down. Keep writing original material. Blow people away. It's the only one-finger salute to the system that will probably earn you some reward or recognition.

Still want to be a screenwriter? Good.

---

For more attainable satisfaction, here's Sam's fourth Grime City P.D. comic strip. Click to enlarge, he said.

Beberapa hal Aneh di Windows

1. Jika kita sering membuat folder dengan nama nama unik, cobalah membuat folder dengan nama "CON" (tanpa petik) saya yakin tidak akan ada yang bisa membuatnya dengan nama tersebut, namun disini kita akan belajar cara untuk membuatnya hahaha. Dulu pada saat windows XP dirilis ada orang india yang membuat nama folder dengan nama "CON" dia sangat bingung karena selalu gagal, dia pikir komputernya

Obama Administration to Pay Homeowners to Complete Short Sales

The Obama Administrations Mortgage Modification Program (HAMP ) is unfortunately not reaching as many homeowners as originally projected.  And there's a growing national trend to "Walk Away" from underwater mortgages, with WSJ columnist Brent Arends recently exhorting certain "owners" to do so.  With 25% of homeowners estimated to owe more than their properties are worth, a high unemployment rate

New Listing: John M. Donnelly Residence - 1520 Church Plains Road, Crozet - $679k

 The home of incarcerated Ponzi schemer John M. Donnelly has finally been listed for sale: MLS 474381.

Donnelly was sentenced in November to 7 1/2 years in Federal prison for stealing more than $5.4 million from 21 investors.  He was also ordered to pay restitution, and Court officials estimate that $275k has already been seized to pay the victims, according to The DP.

Donnelly's prison pay

KUMPULAN TRIK REGISTRY

 Registry,, bagi sebagian pengguna komputer, registry adalah tempatnya ngotak atik system. Mau dibilang apa lagi memang hanya disinilah tempat dari semua program untuk mempercepat kinerja komputer dan lainya. kali ini Saya akan memberi banyak Trik registry kecil kecil-an yang didapap dari banyak sumber.. tapi saya belum dapat menjajalnya satu persatu... jadi langsung di Check ajah ya .. So

Ganti Wallpaper Otomatis ??

Hmm, Begitulah kira kira tips kali ini.. memang agak sederhana  namun bermanfaat bagi yang suka gonta ganti wallpaper desktop.. langsung saja CEKIDOT




<---- Wow apa nih  ?? haha ini adalah software yang kita pakai untuk mengganti wallpaper desktop kita secara otomatis.. kemarin saya lagi browsing" melihat software langsung sedot hehe..

Bionix Wallpaper Itulah namanya seperti yang kita tahu

Trik Memunculkan Folder Size Di Explorer

Buat yang malas klik properties lagi.. silahkan diperhatikan triknya :
Caranya yaitu kita harus menginstalkan program kecil semacam pluginnya untuk windows XP yang dapat di-download dari SourceForge.net atau klik disini untuk download zipnya, ukurannya sekitar 170KB.

1. Instal dulu semua dehh sampai bener


2. Lanjut kalo udah di instal tinggal di klik ajah

3. Hasilnya akan seperti ini...
 

Private Browsing Di Mozzila Firefox 3.5

Firefox 3.5 datang dengan banyak fitur-fitur baru dan perbaikan salah satunya adalah fitur private browsing. Dengan feature ini kita dapat memilih agar teman atau keluarga kita tidak dapat melihat situs apa yang telah kita kunjungi atau file apa yang telah anda download. Firefox 3.5 “Private Browsing“, juga memungkinkan Anda mengakses Internet tanpa mempertahankan semua data situs dan halaman

Memperbaiki Instalasi ( Repair Install )

Buat yang belum bisa untuk install ulang OS di Computernya dan blum tau gimana cara memperbaiki kesalahan-kesalahan dan eror yang terdapat pada OS Windows Xp, dibawah ini ada cara-cara dan tips untuk memperbaikinya jika OS Windows XP di PC anda ngulah tanpa perlu melakukan Instalasi ulang

Itung itung dari pada harus bayar 300 rbuan di Tukang service Liar... Mending sama gw ya ?? cuma 75 sampe

Facebook ChatBar Ada Emoticonnya ??

Facebook ChatBar adalah sebuah addons untuk firefox yang memberikan anda sebuah set daftar Emoticons dibagian atas jendela chatting yang dengan mudah dapat anda klik untuk memasukkan kedalam teks ketika melakukan chat dengan teman facebook anda
Sebelumnya saya juga sudah posting tips seperti ini, namun dengan cara yang terdahulu kadang List Emoticons tidak tampil. Dengan Addons Facebook Chatbar

T9 ?? Apasih ga pernah denger tuh..

Sebagian dari kita mungkin sudah tahu dan sering melihat fitur T9 ini di ponsel, namun kemungkinan besar dari pengguna tidak pernah menggunakan fitur T9 ini, dan jika pun digunakan kita
malah kebingungan karena tulisan tidak keluar seperti biasanya.
T9 merupakan singkatan dari “Text on 9 Keys“, yakni sebuah software yang banyak diinstal di ponsel untuk memberikan

Microsoft segera siapkan Windows 8 dan Office 2012

Berikut adalah sedikit bocoran dari Microsoft, yang akan meluncurkan Windows 8 di tahun depan. Menurut report dari MSFTKitchen Desember tahun lalu, menyebutkan bahwa Microsoft tampaknya akan merilis system operasi baru di bulan Juli 2011.
Sementara itu, Microsoft juga akan merilis Windows Server 2012 dan Office 2012 yang akan dipublikasikan di bulan Juli 2012. Jika

Google Public DNS Buat yang DNSnya bermasalah

Domain Name System (DNS) Adalah sebuah aplikasi service di internet yang menerjemahkan sebuah nama domain seperti yasiranak252.blogspot.com ke alamat IP address seperti 209.131.36.159 dan salah satu jenis system yang melayani permintaan pemetaan IP address ke FQPN (Fany Qualified Domain Name) dan dari FQDN ke IP address.
DNS biasanya digunakan pada aplikasi yang berhubungan ke internet seperti

One in Ten Virginia Mortgages is Delinquent or in Foreclosure

The Bureau of Labor Statistics just released average annual state unemployment rates, and Virginia is at 6.7%.

CalculatedRisk looked at the correlation between unemployment rates v. percentage of mortgage loans that are delinquent or in foreclosure.  Virginia's rate is 10.2%.

According to RealtyTrac stats via the Virginia Association of Realtors, foreclosures in Virginia increased 33% from 2008

Julie Gray/Chile Benefit

As some of you will know, Julie Gray’s seminar, ‘Idea to the Page to the Screen’, will be in London on 6th and 7th March (like, this weekend!) and then in Oxford on 13th and 14th March. To reserve a space in the seminar, please go to Julie's website or email classes @ justeffing.com.

On Monday 8th March, Julie will be in Oxford doing a 90 minute lecture called 'The Reality of Breaking into Hollywood: Agents, Managers, Producers and the Importance of STORY'. It's a great opportunity for students to get a bite-sized lecture on screenwriting while also supporting a good cause by donating whatever you can to the relief efforts in Chile.

So that's Monday 8th March, Oxford University, 7.30pm. Email naomi @ justeffing.com if you’re interested. Tickets to the lecture cost what you can spare.

Top 10 Homebuyer FAQ for the Charlottesville Albemarle Area

10.  Why are there so few job prospects in this area? 
9.  How's the economy reflected in the Downtown Mall, and how do residents feel about the local economy?
8.  How are the schools in Albemarle County?  How are the schools in Charlottesville?
7. How's the fiscal health of Albemarle County and its services?
6.  What about the libraries? 
5.  Is there support for the arts and humanities?
4.  

Mind The Gap

Any form of distraction when you should be writing is usually classified as procrastination. Surfing the net, watching TV, blogging, tweeting, hell, even housework. You know the drill. Anything but writing. However, there's a form of procrastination that's not quite procrastination, yet it is. You're not writing, but you kind of are. It's a bit weird. It's 'the gap' - the gap between having completed all the necessary prep to write and actually starting the first draft.

The gap can be an awkward and confusing place. On the one hand, you're happy with your research and preparation. You feel confident about your style and approach. You know the emotional tenor of your characters and the journey that awaits them. You know exactly how scenes will pan out, happy in the knowledge that the audience will laugh and cry in all the right places. Yes, it's all perfect. In your head. You sit down to write the sucker. There's a pause. A hesitation. It's the gap.

What does it mean? Usually, it's a pesky insecurity about ourselves or what we're about to write. The perfect scenes in your head now refuse to flow from the brain to the fingertips to the keyboard to the screen. If it's a spec script, the gap can last a long time; so long, the script may never get started. If it's a commission, the gap lasts as long as the looming deadline. You're forced into writing something, anything, until you somehow bleed a first draft.

It's never ideal. It can send you into a real tailspin. But don't be afraid of the gap. Listen to it. You might feel ready to go and the script could be playing beautifully in your head but the gap's subconscious snag usually indicates some sort of problem. Something that you're not willing to admit. It could be a minor point or a major issue. Don't fret. Go over your notes and seek out the niggling doubts.

Luckily, the gap doesn't happen all the time. It's just one of those things. A unique form of procrastination when you're ready to start writing, but not quite. Yet another cruel and frustrating reminder that this writing lark is, like, hard, innit.

---

And here, due to popular demand, is more comic book goodness from Sam's Grime City P.D. Enjoy!