Senate Passes Housing Rescue Bill

The U.S. Senate on Saturday passed a bill that would stem foreclosures by allowing some 400,000 home owners refinance into affordable, government-backed loans.

The bill, strongly supported by the NATIONAL ASSOCIATION OF REALTORS®, passed by a margin of 72-13. The House of Representatives approved the bill on Wednesday in a 272-15 vote.

"This bill must get to the president quickly, and we urge him to act immediately to sign it into law," NAR President Dick Gaylord said in a statement last week.

NAR says the bill will help bring stability to the housing market and put a dent in the rising rate of foreclosures.

The program will be run by the Federal Housing Administration, and will insure up to $300 billion in refinanced 30-year, fixed-rate loans. The mortgages can't be for more than 90 percent of a home's newly appraised value.

For mortgages that exceed the value of the home, the lender would have to voluntarily write down the principal to the qualifying level. If the home goes up in value, the borrower must share newly created equity with the FHA.

Experts say the success of the program depends on how receptive banks are to writing down a portion of the loan.

If passed into law, the program will begin Oct. 1 and end Sept. 30, 2011. Borrowers won't be able to qualify if they have intentionally defaulted on their loans or if they had a debt-to-income ratio of less than 31 percent as of March 1.

Source: Associated Press, The Wall Street Journal, NAR

Black Emo Hairstyles Photo Gallery

If you are looking for an all black emo hairstyle pictures, check out these diverse looks. Whether you want that sophisticate chic look, a natural do, sleek or just wanna look exotic and mysterious. You will be amazed by the many different hairstyles for black emo hair that are available. SammyxMariiie Gallery will help you pick an emo or scene hairstyle that is perfect for you. No blondes, no highlights, just black.

Knol is open to all Australians

A few months ago we announced that we were testing a new product called Knol. Knols are authoritative articles about specific topics, written by people who know about those subjects. Today, we're making Knol available to everyone.

The key principle behind Knol is authorship. Every knol will have an author (or group of authors) who put their name behind their content. We are also introducing a new method for authors to work together that we call "moderated collaboration." With this feature, any reader can make suggested edits to a knol which the author may then choose to accept, reject, or modify before these contributions become visible to the public.

The web contains vast amounts of information, but not everything worth knowing is on the web. An enormous amount of information resides in people's heads: millions of people know useful things and billions more could benefit from that knowledge.

Knol provides a great way for Australians to share their knowledge, and to give people around the world an expert glimpse into Australia. Who wants to be the first to tackle an explanation of the Tribunal system for Aussie rules? Anyone an expert on the world's deadliest spider, and can explain what to do if bitten? Or how about the history of Australian Nobel Prize laureates?

You can read more about the announcement, and the process for submitting and suggesting edits for knols on our Official Google Blog. To see what others have written and to get started with your own knols, check out knol.google.com.

Posted by Justin Baird, Senior Product Specialist, Google Australia and New Zealand

Hair Styling Tips

Always use a protecting spray when blow drying your hair, this helps from damaging your hair. Then do a few more quick spray of the protector before straightening it. To really get a good hold use an extreme hold hair spray.

Colors are always a good way to make an emo style stand out. For those who can't color their hair, pick up some non-permanent hair color. It is temporary and will wash right out. You can find them in sprays and gels. All colors too- red, black, purple, blue, pink, green, teal, yellow, aqua, etc. You can always use more than one color!

The cut says it all. Short or long- it doesn't matter. Cut or have your hair cut in choppy, uneven layers. Side bangs are the bomb! Throwing some color in them will def. draw some attention. Using a razor will give you more texture- which is a great thing with emo hair.

If your hair is thick and you want it thinner to style better- use or have your stylist use a thinning sheer- this while thin out your hair (but not too much) and also give you texture.

thanks to Crystal

Starbucks to close 7 Mobile area stores















Starbucks, Inc. announced on July 1, 2008 that it will close approximately 600 company-operated stores in the U.S. beginning this month and continuing through the first half of Fiscal Year 2009. The Mobile area in south Alabama did not escape the announced store closings.













In Mobile County, 5 of the 12 existing stores are scheduled to be closed. In Baldwin County, 2 of the 6 existing stores made the list. Here is the list of stores scheduled to be closed:

.	Location	Address	City	State

. I-65 & SPRING HILL 3451 SPRING HILL AVE MOBILE AL . DAUPHIN & DU RHU 9 DU RHU DRIVE MOBILE AL . OLD SHELL & MCGREGOR 4401 OLD SHELL RD MOBILE AL . AIRPORT & FOREMAN 6601 AIRPORT BLVD MOBILE AL . UNIVERSITY & OLD SHELL 5611 OLDSHELL RD MOBILE AL . FOLEY BEACH & CANAL 4725 MAIN ST ORANGE BEACH AL . HWY 59 & CR 4 3800 GULF SHORE PKWY GULF SHORES AL .

Simple Steps in Fighting Excessive Hairfall

Having excessive falling hair is a condition that is commonly shared by a lot of people. Many factors contribute to this, such as stress and tension, poor diet and malnutrition, hormonal imbalance, over-processing of the hair, and frequent use of styling products and chemicals, to name a few. Just because it is a common condition does not mean that it should be ignored and left untreated. If you allow the condition to persist, you might find yourself dealing with bigger problems in the future, such as hair loss and baldness. If you suffer from excessive hair fall, here are some simple steps to follow in order to arrest the problem.

Reassess your diet and eating habits. Make sure that you are providing your body with the right amount of vitamins and nutrients. Eat a lot of food rich in protein and Vitamins B and E, as these promote the growth of healthy and lustrous hair.

Avoid combing or brushing your hair when it is wet and refrain from putting it up on a ponytail or a tight bun. Hair is at its weakest when wet and brushing or combing it makes it prone to splitting and breakage. Fixing your hair up in a very tight hairstyle may also cause unnecessary damage to the hair follicles and may result to hair loss.

Lastly, always keep your scalp clean and free of dirt or product buildup. Wash it on a daily basis to get rid of dirt, grime, excess sebum, and styling product buildup. Massage it every so often to aid in the circulation of blood to the scalp. This allows the scalp and the hair follicles to breathe and to stimulate the growth and production of healthy hair.

Mobile and Baldwin County Real Estate Statistics for June 2008

The numbers have been tabulated and reported. June is normally a busier month than May but we were suprised that this is not the case this year. Please see the full report on our Active Rain blog.

Goodbye to the "World's Oldest Blogger"

Olive Riley, who, at 108, was the "world's oldest blogger," passed away last Saturday at her nursing home near Sydney, Australia. Olive posted many YouTube vlogs retelling tales of her youth and sharing songs that helped to convey her most fundamental belief: "I want to be happy, but I can't be happy 'til I make you happy too."

Back in October 2007, we were fortunate to have Olive be a part of the YouTube Australia launch for which she made this welcome video:



We will miss the woman who once said: "If a woman who left school in 1914 can embrace the Internet in her 106th year, what is there you can't do, friend?" If you knew Olive or have thoughts on her passing, feel free to upload a video memorial to her on YouTube.

Posted by Damien Estreich, The YouTube Team

Going to school with Google

Posted by Andrew Mitchell, Google Apps Team

As an organisation that began life in a Stanford University dorm room, Google has deep roots in the world of education. In addition to providing a range of tools that support teachers in their effort to empower students, encourage creativity, and build confidence in computing skills, Google is committed to delivering solutions that facilitate students and teachers sharing information and ideas.

As you may have heard, a number of schools and universities in Australia have signed up recently for Google Apps Education Edition. Last year, Macquarie University signed up 68,000 students for Gmail, followed in February of this year by StudentNet and the Rudolf Steiner school. Most recently, the NSW Department of Education and Training announced that it will be rolling out Gmail to 1.3 million students across NSW.

We're happy to see now that educators in New Zealand are also setting their sights online. Earlier this year, the University of Waikato successfully deployed Google Apps to their 25,000 students, and yesterday, you may have heard that the largest university in New Zealand, The University of Auckland, also rolled out Google Apps to 50,000 students, staff and alumni.

I'm always interested to talk to schools and universities in Australia and New Zealand, and had the pleasure yesterday of attending QUESTnet 2008, a conference on the Gold Coast focused on IT in education. It was inspiring to hear how open schools are to online tools, and to the collaborative possibilities of online applications like Google Apps.

To learn more about Google Apps Education Edition (which is free to accredited K-12 or higher educational institutions) check out the overview video below or get in touch with us here.

Check out the Tour de France using Street View in Google Maps

Posted by Peter McKenzie, Software Engineer/Cycling enthusiast

For all those who will be cheering for Cadel Evans as he aims to take home the yellow jersey from this year's Tour de France, but aren't planning on making the long haul to be there in person, you may want to check out the new Street View imagery we released today in Google Maps, which allows you to view street-level imagery along the entirety of this year's route.

Each of the 21 stages are clearly marked on the map, taking you over more than 3,500 km (2,200 miles) around the 21 hairpin bends of the notoriously steep Alpe d'Huez to the finishing line on the cobbled streets of the Champs Elysees.

View Larger Map
Nearing the finish line in L'Alpe-d'Huez, found in Stage 17 from Embrun to L'Alpe-d'Huez, arguably the most physically demanding stage of the whole race


View Larger Map
The Eiffel Tower and Seine river in Paris, passed in Stage 21 from Etampes to Paris' Champs-Elysees, the final stage of the race


View Larger Map
The Arc de Triomphe, at the western end of the Champs Elysee. If you zoom in, you can look at the detailed sculptures on the frieze

As we mentioned previously, we're aiming to launch the Street View feature for Google Maps in Australia later in 2008. This new Tour de France imagery gives you a feel for some of the cool and useful applications for Street View, and how it might be used in Australia. It's also a great chance to check out the face-blurring technology we'll be implementing in Street View here in Australia.

The Tour de France 2008 will begin on July 5th (in France), and runs until July 27th. Go Aussies!

:: Kempenfelt Bay is Barrie's most valuable resource ::

Barrie appears at times to have forgotten its greatest asset is the bay on which it surrounds.

It's why Barrie exists at all and the magnet that draws thousands to its edge to recreate and celebrate each year. Our city officials must never take this for granted for one minute and it should be plainly reflected in each and every decision they make regarding her.

Homes on the bay’s edge trade for five to ten times the premium of their inland equivalents to owners willingly paying three to five times or more in taxes for the unique privilege. The esteemed opportunity to build a commercial project on the few remaining waterside properties in the City of Barrie is no less a unique privilege yet we devalue the opportunity by wholesaling and waiving development charges.

Forgive my ignorance if I say I don’t get it, but might I suggest that the beneficiaries of those millions in forfeited charges that then have to come from the pockets of existing taxpayers at least be required to offset their investment windfall over time through a newly created annual waterfront development surcharge?

Funds collected through such a surcharge could be earmarked for future waterfront projects like keeping our city marina on par with the growing demand these projects bring, creating additional transient boat slips to bring more boaters to our downtown shops and restaurants, building a world-class public pier that could be the pride of Barrie and further put us on the map, creating a skating path along the bay's edge between the Barrie dock and the South-Shore Centre similar to the canal rink that attracts thousands to Ottawa in the winter or just be used to save us the embarrassment of having to abandon our prided heritage symbols Like the Waterfront Steam Engine to museums in other townships rather than showcasing them ourselves as we should because we can’t justify the cost to do so.

Emo Anime FanArts

I recently ran across a German website that has some really interesting emo fanarts.

Supporting a faster, more accessible, more open Internet in Australia

Posted by Carolyn Dalton, Head of Government Affairs & Public Policy - Australia & NZ

Google's services – web search, Gmail, Google Maps, and YouTube – help to connect millions of individuals, groups and businesses around the world.  The technologies of connection are especially useful and important in a geographically vast and isolated country like Australia.  As Google's CEO Eric Schmidt told Australian reporters during a visit to Sydney in March 2008: 

"Google is helping Australians overcome the ‘tyranny of distance’.  We measure distances not in hundreds of kilometres, but in milliseconds." 

The same can be said of services provided by other online innovators – diverse names such as Yahoo, eBay, Wikipedia, wotif.com, MySpace, SEEK and Facebook – all of which are popular in Australia, and all of which enhance the ability of Australians to connect, to share, to learn, and to reach customers and audiences regardless of their location. At Google Australia, we've been pleased to play a role in this over the past years.

At the risk of stating the obvious, the economic and social benefits that flow from speedy and affordable Internet connectivity are numerous:

• It spurs creativity, promoting the creation of user generated content that is facilitated by “Web 2.0” applications such as YouTube;
  
  
• It drives new forms of economic activity, allowing (i) Australian businesses to reach new customers around the world through online advertising, (ii) Australian publishers to earn money by creating locally and globally compelling content, and (iii) Australian web developers to create innovative internet-based businesses;
  
  
• It creates new forms of social engagement and interaction such as social networking, Internet voice links, video sharing and citizen participation in democracy (as seen in the 2007 Google Australian election initiative);
  
  
• It cuts costs for Australian enterprises, government agencies and educational bodies, as they are enabled to utilise Web-based applications in ‘the cloud’, making their documents securely available from any computer with an Internet connection at greatly reduced cost;
  
  
• It empowers community groups, educational institutions and government agencies to reach constituencies (and each other) in new and innovative ways -- for example, the Catholic Church’s use of social networking for the upcoming World Youth Dayin Sydney, UNSW’s YouTube channel that assists in remote education, and Transperth’s use of Google Maps to provide public transport details to users.
  

For Australian users, communities and businesses to realise these enormous benefits, no infrastructure is more crucial than advanced communications networks.  Indeed, the United Nations has recognised broadband as essential infrastructure, just as necessary as water and electricity.

Google Australia's vision is of an Australia in which competitive broadband Internet is universally accessible, at best-in-world speeds and at affordable prices.  As you may be aware, the Federal Government has committed A$4.7 billion to subsidise the rollout of a fibre network accessible to at least 98% of the Australian population. Along with inviting bids from parties to build and operate the infrastructure, the Government has reached out for comment on what regulatory safeguards are necessary to maximise the public benefit.

Google is born of a highly competitive ecosystem – the open Internet – in which alternative services are only ever a click away, and where success only comes by providing superior services, constant technological improvement, and earning users’ trust.  We aim to provide our users with the best possible experience and service in a competitive, open and innovative environment, one click at a time. 

We believe that similar principles of openness, innovation and competition should be built into the regulatory framework governing Australia’s future national broadband network. Simply put, in a global economy, an open Internet and a competitive broadband market is necessary to ensure that all Australian consumers and Australian businesses can share in the benefits of the digital economy.

Our belief in the possibilities that broadband creates, and our underlying confidence in the innovative power of open and competitive communications environments, motivated us to put together a submission to the Federal Government’s enquiry into the regulatory principles that should govern the national broadband network.  Here's the link to the submissions, including ours.
 
Our submission makes a few important recommendations, including:

• The new broadband network and its owner should preserve the Internet's fundamentally open, neutral, non-discriminatory nature. 
  
  
• The rollout schedule of the new network should have the goal of prioritising those parts of Australia that are currently unserved, or underserved by broadband services. 
  
  
• To ensure competition, the winning bidder for the network should offer services on a wholesale basis to retail competitors on non-discriminatory and equivalent terms as it offers them to its own retail operations (from the perspective of both price and non-price terms and conditions).  Functional or structural separation of the network owner should be considered as options to ensure this.
  
  
• To ensure that those Australians who already have relatively fast Internet do not see a decrease in speed in the short term, existing ADSL 2+ and similar broadband services should co-exist with the new network, at least during a defined transition period.
  
  
• As Australians are increasingly important producers, not simply consumers, of content and applications, the Government should ensure the availability of high symmetrical broadband speeds (both download and upload). 
  
  
• To ensure maximum Internet speeds and efficiencies for Australians accessing the Internet, close attention should be paid to developments in the international capacity market and the peering market.
  

It's very important for all Australians, and for Australia's future economic prosperity, that the new broadband network embraces the right regulatory principles from Day 1.  We hope that you, and our policy makers, will take a look at our recommendations for an open and competitive Internet, where all Australians can get online and enjoy the benefits of world class broadband services.