Time For A Commercial Real Estate ETF? - Zacks.com

Given the slightly improved economic picture, and mild declines in unemployment, many investors may assume that housing would finally be back on track. However, the U.S. residential property market has been mixed at best as recent readings of the S&P Case Shiller Home Price Index showed month-over-month declines of about 0.5% while year-over-year prices tumbled by about 4% in comparison. This data contrasts sharply with some of the other housing figures investors have seen lately?specifically, inventory levels and existing home sales?which suggested to some that a recovery was finally underway in the sector.

Obviously, that idea is now seriously in question with the latest Case Shiller reading, pushing many to wonder if housing really is approaching a bottom or not. Yet, despite all the ills in the residential sector, signs of life are starting to appear in the commercial space instead. The National Association of Realtors predicts that vacancy rates will decline slightly across all segments of the market this year including a nearly one percent drop in industrial and retail markets. Add this to solid gains in the Society of Industrial and Office Realtors CRE Index?which is finally on the upswing although still subdued overall?and investors may be better served by playing real estate via the commercial sector (see Three ETFs With Incredible Diversification).

In addition to arguably better fundamentals, commercial real estate can also offer up valuable diversification benefits as well. This is because most investors are already exposed to the residential market via their homes, but most do not have a similar allocation to commercial properties as well. Thanks to this, some assets in commercial real estate could help to give investors a more well-rounded outlook on the broader sector (read Follow Buffett With These Developed Market Bond ETFs).

While there are a few stocks and bonds that can offer up quality exposure to the space, an ETF could be the way to go in this market. That is because a fund will help to spread holdings around a variety of geographies and nearly eliminate company specific risk as well. This can be ideal if commercial real estate dips back or if the current trends in the market do not hold up and some providers are left with heavy losses. As a result, a closer look at either of the following two ETFs could be appropriate for investors seeking more exposure to the commercial side of the real estate market:

iShares FTSE NAREIT Industrial/Office ETF (FNIO)

While pretty much all real estate ETFs have at least some exposure to the commercial real estate market, FNIO is the only one that focuses exclusively on this segment. This is done by tracking the FTSE NAREIT Industrial/Office Capped Index which produces a fund that charges investors 48 basis points a year in fees and holds 30 securities in its basket. Top holdings include ProLogis (PLD) and Boston Properties (BXP) which both make up about 18% of the fund. In terms of market cap breakdowns, the fund is pretty spread out as large and small cap stocks each make up about 37% of FNIO. While the yield is pretty solid at 3.2%, volume and AUM is pretty light, suggesting that wide bid ask spreads may be inherent in this fund (read Small Cap Real Estate ETFs: Crushing The Competition).

iShares Barclays CMBS Bond Fund (CMBS)

If investors are still unsure about equities but want quality exposure to the commercial real estate market, CMBS looks to be a great choice. The product tracks the Barclays Capital U.S. CMBS (ERISA Only) Index which follows a benchmark of commercial mortgage-backed securities. These notes generally consist of a number of commercial real estate mortgages across a variety of sectors in this space. They are similar to residential mortgage-backed securities but due to the structure of the commercial market, commercial bonds often carry less in prepayment risks than their residential counterparts (see Top Three High Yield Real Estate ETFs).

For investors who are intrigued by this approach?and fixed income investors should be considering that CMBS securities make up a very small portion of broad bond funds?a few more points should be noted. The fund charges just 25 basis points a year in fees but holds just about 30 securities in its basket. Also, volume and AUM is pretty low, but the product is still young, having debuted in mid-February. Nevertheless, the fund?s holdings include a series of bonds which have coupons in the 5.4%-5.8% range that mature over the next few years, suggesting low default risks in this corner of the market.

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Source: http://www.zacks.com/stock/news/70936/Time+For+A+Commercial+Real+Estate+ETF%3F

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Coyoty eats a nacho salad. - Picturing Food & Drink! - LiveJournal

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Source: http://picturing-food.livejournal.com/6277997.html

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Google Play? What The Hell Was Wrong With Android Market?

Google often confuses me. The company, with its thousands of genius employees, often makes the most brain-dead decisions. Just earlier today Google rolled out their latest twist on the Android Market -- but it's not called Android Market anymore. Instead of simply redesigning the e-store, Google also re-branded the whole thing to Google Play. The reasoning is sound: the company wanted to better describe their offerings since it's not just apps. The Play name is multifaceted, evoking thoughts of playing a game or pressing play on a media file. Cool. But most markets also sell more than one sort of good. The old name worked just as well.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/yIOax0v5Uys/

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Take Uncomplicated Finance With Bad Credit Loans | T'an! Kaven ...

Ones adverse credit survey does not appear anymore in the way of availing financial loans of your specifications as creditors know that as a result of unavoidable situations the debts gathered. If you indicate the lender that you are serious in direction of paying back financial loans then you certainly get bad credit loanswith an alleviate and even in comparatively reduce interest rate. Borrowers utilize poor credit loans for variety of purposes similar to making renovations, buying car, enjoying a holiday break trip or perhaps paying off old debts.

Any borrower is termed having bad credit when you can find at least one or perhaps two scenarios of County Court Decision or obligations defaults versus him. Because of this, credit score of such borrowers plunges. However finding loan remains to be easier for such consumers.

Best way to acquire bad credit loans is via placing all of your property since collateral while using loan provider. The particular collateral provides adequate basic safety to the loan provider about his loaned sum. In case payment default by borrower comes about again, the financial institution can retrieve the loan sum by selling the collateral.

Bad credit loanswhile are taken against residence, give you a much larger amount of financial loan ranging from ?5000 in order to ?75000. If increased amount is going to be borrowed then the equity within the collateral comes into play. Higher value will ensure increased loan regardless of bad credit on the borrower.

In the case of secured poor credit loans, the interest price remains reduce. The consumers do not unfastened much in terms of interest rate and in reality they can deal for even additionally reduced rate of interest provided they compare different poor credit loans packages offered by numerous loan companies online.

Owners of the house and non-homeowners, exactly who normally would not have property to consider loan versus, also acquire bad credit loans. Of those borrowers the pace of interest might be little larger due to shortage of collateral. However a comparison on the interest rate might be of great help with achieving reduce interest rate. Unguaranteed bad credit loans will come with reduce interest rate and if financial ranking and financial loan repaying potential of the customer is good.

Borrowers, meanwhile, must make attempts towards improving their credit score. A credit score of 620 is known as satisfactory for the safe financial loan. If you can be worthwhile some of debts and then obtain the development included in your credit report using a reputed firm then credit score may go upwards substantially.

Be sure that bad credit loans boost your financial overall health. Pay the financial loan installments often. Avoid going for a loan that may be beyond your forking over capacity so that you do not belong to debt lure anymore.

# March 7, 2012, 2:27 am
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Source: http://tka-subdivision.org/take-uncomplicated-finance-with-bad-credit-loans/

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Diabetes Guidelines: How To Control Your ... - New Health and Fitness

New Health And Fitness.Org - Health Information You Can Use

Diabetes guidelines are very important when you are trying to control your diabetes. The disease, especially type 2 form which strikes people later in life, is becoming more common.

When it comes to diabetes, it?s caused by the body developing a resistance to insulin or the body producing insufficient insulin. This can lead to dangerously high levels of glucose in the blood and not enough glucose reaching the cells.

If you have been diagnosed with this disease, then your doctor has probably given you some diabetes guidelines to follow.

Your body may not be producing insulin at all if you have type 1 diabetes. You need to take insulin every day if this is the situation. This can be done via insulin pump and you?ll also learn to adjust the insulin amount according to what you?ve eaten.

If type 2 diabetes is what you have, then insulin may not be necessary. Certain medication can be prescribed to help your body be less resistant to insulin.

However, in addition to any medication that you are prescribed, you can also follow diabetes guidelines for diet and lifestyle that will make it much easier for you to manage the disease.

Top of the list of factors for managing diabetes is diet. Regardless of your type of diabetes, cutting down on high glycemic food is what you need to do. These are foods in which carbs and sugar are absorbed rapidly in the digestive system and produce a spike in blood sugar. Whole fruits and vegetables or any food with fiber should also be included. With fiber, the absorption of carbs in the gut is slowed down.

Foods that are based around refined grains like regular pasta, white flour, and white rice as well as food containing added sugar are high glycemic foods. Try replacing these refined grain foods with whole grain alternatives.

Thinking about when and how you eat is also important. Often recommended is eating 3 meals a day. Do not skip meals. Your food intake can be evenly spread across all meals. This way, your blood sugar levels will be stable.

It is a good idea to have breakfast as soon as you get up in the morning, because your blood sugar will be low at that time. But don?t be tempted to have fruit juice or white bread or any food with high sugar. Like any other meals, be sure there?s plenty of fiber in your breakfast. Always choose whole fruit over juice.

Another important factor in these diabetes guidelines is exercise. Exercise everyday even if it?s just walking for half an hour. This will help to normalize your endocrine system.

You can?t just eat anything you want and take more medications or insulin to balance it. This will make your condition worse and it will be harder to manage so it?s possible to have more serious complications.

If you follow good habits everyday, you?ll be able to see the results. Some people followed guidelines like these and turned around mild cases of type 2 diabetes.

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Source: http://newhealthandfitness.org/2012/03/06/diabetes-guidelines-how-to-control-your-diabetes/

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UX Expert, 23, Almost Refused Entry To Ireland To Hire People. Name?s Flanagan.

As tech becomes the worlds hottest subject and one of it's few growth sectors, the international borders are straining as talent moves around the globe in search of the best startups and projects. European countries are increasingly alive to this, and we've seen huge efforts made by tech celebrities to lobby the Whitehouse over the Startup Visa concept. But it seems the news that the tech industry is now a big deal had not reached a certain immigration official at Dublin Airport today. An unnamed officer today turned away one of the world's top UX guys from entering Ireland because they didn't believe his "story". The "story" turned out to told by one Brian Flanagan - a name normally recognised as being Irish in extraction, but more to the point, Flanagan is currently working with one Joi Ito on a project. The problem was that the official simply did not buy the idea that UX is a "real job" and promptly sent him off to a waiting room where he was due to be deported back to the US from where he'd travelled. Despite telling officials he was in Ireland to HIRE people he was told bluntly: "You couldn't be hiring people, you're - like - 23!"

Source: http://feedproxy.google.com/~r/Techcrunch/~3/tfFbqmXrHNk/

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Solar cells and batteries could 'go viral'

17 hrs.

John Roach

Investors looking to get fabulously rich may want to place a few bets on solar cell and rechargeable battery technology. At least, that's one way to frame an onstage chat between U.S. Energy Secretary Steven Chu and billionaire Bill Gates at a recent energy innovation conference.

A combination of breakthroughs in solar and battery technologies will allow them "to go viral in the same way that cellphones went viral not only in the developed world, but also in the developing world," Chu said at the annual summit of the Advanced Research Projects Agency - Energy.

The agency is a branch of the energy department that President Barack Obama launched in 2009 to spur innovation. The concept is to provide the short-term funding needed to push research out of the lab to something that can attract private sector investment.

One success story showcased at the summit was Envia Systems' new lithium-ion battery that has achieved an energy density of 400 watt hours per kilogram,?which is nearly twice that of existing rechargeable batteries.?

The breakthrough could extend the range of electric vehicles from 80 miles to 300 miles per charge as it slashes the battery cost by 50 percent. The? project? was spurred by a $4 million grant from ARPA-E and builds on research started at the DOE's Argonne National Laboratory in California.

Such a battery sounds fantastic for the rollout of EVs as the specter of $5 gas lurks around the corner.?Applications of this type of technology could also help bring clean electricity to the 2 billion people?in the developing world who live without it today.?

Chu sees a marriage between cheap, efficient rechargeable batteries and cheap efficient solar cells going viral in the developing world, akin to the way cellphone technology leapfrogged traditional landline networks.

"You can bring this power to small villages to places where you can read at night, to where you can run a refrigerator where you can keep your medicines safe, to where you can run things to pump water for your irrigation," Chu said. "We see this as having huge potential worldwide."

That's the pitch Chu made onstage at the conference as he chatted alongside Microsoft chairman Bill Gates?at the summit. (Msnbc.com is a joint venture between Microsoft and NBC.)

These days, Gates spends most of his time with the Bill & Melinda Gates Foundation?which is primarily focused on global health initiatives. Cheap energy is essential to improving lives, he notes.

"Without advances in energy, (people) stay stuck where they are," he said, adding the caveat that the world's poor are also the most vulnerable to global climate change. That means supplying them with fossil fuel energy isn't the best way to achieve its goals.

"The imperatives of reducing the negative impacts on those people and providing them with the things where they can raise themselves up lead you back to wanting continuing innovation in energy with the constraint of no greenhouse gas emissions," he said.

Getting that type of innovation, however, is increasingly difficult in a world where investment in energy research and development is drying up.

"It is crazy how little we're funding this energy stuff," Gates said.?

One of the reasons we don't, he noted, is that the information technology revolution that made him fabulously rich has warped our minds on how quickly research and development works. Energy innovation is likely a 50- to 60-year cycle.

That kind of cycle, the Wall Street Journal notes,?has limited the venture capital available to energy startups partly because investors have already made bets on clean tech companies that have yet to turn a profit. As a result, these early investors don't have money lying around to plow into new ventures.

But, spurring investment in energy innovation, Chu noted, remains paramount to making clean tech truly go viral and changing the world for the better.

"If one can get wind and solar and energy storage down to where the whole package is cost competitive with any form of energy, then it takes off and this is what we're very focused on in the Department of Energy," Chu said. "We want these things without subsidies just to take off."

John Roach is a contributing writer for msnbc.com. To learn more about him, check out his website?and follow him on Twitter. For more of our Future of Technology, watch the featured video below.

Source: http://www.futureoftech.msnbc.msn.com/technology/futureoftech/solar-cells-batteries-could-go-viral-295634

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