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I am surely loving it. Now if could get HMGP to follow!
No I am not an agent. The broker I was referring to was my mortgage broker. He can get more 'creative'loans for the investor than a typical bank. He gets his cut but that can be offset by untraditional loans he can offer. The volume we use him also keeps that to a minimum.
Our credit score allows us to still use the few heloc lenders left, but sure was nice when you could shop for rates and terms.
I am finding the loans are still easy to get also. My broker works out of Cincy and we have not really had many problems. I have seen though where certain loans are red flagged by the holding bank for the repo. to the point they will choose a lower offer because they are buying with a less risky loan. I have not had much problem really with insurance either. We got landlords insurance on houses in the 50k range for about $45 month, not bad when you are looking to pay for a couple months.
I like the HELOCs also. We often get a heloc on rental properties etc to finance renovations or downpayments etc on new houses. We are finding those loans are getting a lot more difficult to obtain. Have you been seeing the same thing? Only a couple in the ballgame now, used to have them diving in line to give you a heloc.
They can still be found in my part of the country, but you have to really look around for them and get creative. We just closed on a repo today that we got them to take less down and include closing costs (that is a red flag for lenders)in exchange for increasing the cost of the house by $500. Now they generally want to try to get 10% down for us, but we were able to get 100% financed on all of them easily just 8-10 months ago. does not look like it is going to get much better either.
Hopefully this will finally get some legs...
PITTSBURGH, Jan 31, 2008 (BUSINESS WIRE) -- Wizzard, the world's largest
podcasting network, announced today that its common shares have been approved
for listing on the American Stock Exchange ("AMEX") and is tentatively scheduled
to begin trading during the week of February 4th, 2008. The company will be
traded under the ticker symbol "WZE". Previously, the company traded as "WIZD"
on the Over-the-Counter Bulletin Board.
"We're very excited to have finally reached such a tremendous milestone for our
company and shareholders," said Chris Spencer, Wizzard CEO. "We expect Wizzard's
shareholders to benefit from the increased trading liquidity and investor
visibility that comes with trading on the AMEX."
The AMEX listing approval is contingent on the Company being in compliance with
all applicable listing requirements on the date that it begins trading and may
be rescinded if the Company is not in compliance with such standards.
About American Stock Exchange
The American Stock Exchange(R) (Amex(R)), offers trading across a full range of
equities, options and exchange traded funds (ETFs), including structured
products and HOLDRSSM. In addition to its role as a national equities market,
the Amex is the pioneer of the ETF, responsible for bringing the first domestic
product to market in 1993. Leading the industry in ETF listings, the Amex lists
381 ETFs to date. The Amex is also one of the largest options exchanges in the
U.S., trading options on broad-based and sector indexes as well as domestic and
foreign stocks.
About Wizzard
Wizzard is the industry's leading podcast hosting network, with an unprecedented
one billion-plus download requests in 2007. Podcasts are a means for independent
and professional content creators to publish audio and video shows for the world
to enjoy over the Internet or on mp3 players, such as the Apple iPod and the
Microsoft Zune. Podcasting is a relatively new phenomenon, but Wizzard
collectively broadcasts millions of podcast downloads per month through media
aggregators like Apple's iTunes, Microsoft's Zune Marketplace and other podcast
aggregators. For more information, please visit www.wizzardsoftware.com.
Legal Notice
Legal Notice Regarding Forward-Looking Statements: "Forward-looking Statements"
as defined in the Private Securities litigation Reform Act of 1995 may be
included in this news release. These statements relate to future events or our
future financial performance. These statements are only predictions and may
differ materially from actual future results or events. We disclaim any
intention or obligation to revise any forward-looking statements whether as a
result of new information, future developments or otherwise. There are important
risk factors that could cause actual results to differ from those contained in
forward-looking statements, including, but not limited to risks associated with
changes in general economic and business conditions, actions of our competitors,
the extent to which we are able to develop new services and markets for our
services, the time and expense involved in such development activities, the
level of demand and market acceptance of our services, changes in our business
strategies and acts of terror against the United States.
SOURCE: Wizzard
CONTACT: IR ContactsArthur Douglas and AssociatesArt Batson, 407-478-1120orMedia ContactsINK, inc.Todd Fraser, 310-278-2630
Copyright Business Wire 2008
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KEYWORD: United States
North America
Pennsylvania
INDUSTRY KEYWORD: Entertainment
Technology
Internet
Software
Blogging
Social Media
Professional Services
Finance
Communications
Publishing
Online
Can't open that site at work, but I know Bodog.com is another one that you can bet almost anything. Can bet primaries, American Idol, etc etc. Can even get down to picking Run Left vs Run Right for the first running play in the pickup game in my backyard next weekend...well maybe not that bad, but you can on the Super Bowl.
Figured I had seen some bad data when you said it is at 11 now. I saw 12 today, but it is often out of date on this website. Either way, I like them at 11 and 14 :)
Despite the sensor, found 12 and 53.5 for the game. Would have to say I would lean towards Under 59.5 and NYG +18. Think it will be a small bet though and little more on NYG +12. Not real confident on the O/U.
I keep waiting for the Giants secondary to cost them and for NYG to fall on their face, but if they didnt at Dallas and at GB, think they will be fine at neutral location in good weather.
I am leaning towards Giants +12.5 (and hear it is predicted to be closer to 14 at kickoff).
NE has struggled through the playoffs really (at least ATS), and the last 5-6 games to be honest. Also, I think the underdog has covered in all but GB/Seattle and maybe SD/Tenn this year in the playoffs.
As of right now, I will have medium size bet on Giants. Not sure yet what the O/U is but if that looks decent will probably teasor Giants +18.5 and the O/U. Anyone know what the O/U is currently?
We all appreciate the DD kels and everyone else has posted. This is not 'nit picking' useless details in my opinion though. I was not trying to discredit any DD. I think the acreage Hemi controls is important and the placement of these acres is also. I lease hunting land and it has three oil wells on the lease. Depending on where the easements and access roads etc etc are located some ground is more valuable to us than land on the other side of the lease that is not under demand. I know this is a lot different from urban drilling but the concept is the same.
There are a ton of articles out there, I agree. Some of them allow you to extrapolate that Hemi is on a gold mine, others that they may not necessarily be on a gold mine. I am just trying to get a realistic assessment. I don't want to come off negative on the subject, because I do think it is a great opportunity. I also don't want the expectations from this to be so high that if things don't play out as expected or as fast as expected it sends the pps spriraling downward. Both are equally as bad imo.
So my post was not a lack of thinking or me being too lazy to do my own research, but more the opposite...trying to get a better feeling for the situation Hemi is currently involved.
I hope that is the case, but Hemi will need to have a significant amount of acreage to be considered valuable. I know the lease is in between two big players, but if the Hemi acreage does not allow them to expand their operation, it is of much less value. If it is large enough to sustain drilling on its own or large enough to allow an adjacent lease to increase drill sites it becomes a real gem.
It also needs to be determined how much is 'large amount of acreage' needed to successfully perform this urban drilling. Does Hemi have enough acreage to urban drill assuming the money is available?
I agree. He should have some pretty solid players coming up in next year or two. Those players mixed with the ones he will recruit in next couple yrs should make them a decent team shortly.
Michigan will need some receivers to step up with manningham and arrington going to the draft. I just read Daniel and 4 other juniors on Missouri are going to play another year. They are going to be tough also.
The really scary thing is if you do the same search for the sex offenders and then look at where the schools are located in the same areas. It is scary how many live within a block of grade schools.
The world can be a dangerous place for kids. I don't have kids yet, but plan to. I also have guns/permits but will not get one for my girlfriend...that would make it a much more dangerous world for me.
On that I will agree with you. Might have used mean instead of cute though :).
This was an off year. 2005 they played #2 Texas second game. 2006 they played #2 Texas second game. 2008 and 2009 they play USC second game. 2010 and 2011 they play Miami, although I will admit Miami has fallen in last yr or so. Not exactly small colleges.
I am not saying they did not get dominated after the first 5 mins, what I am saying is a lot of it was brought on by themselves.
If we are talking about the same play, I did not see any reason that ball should not have been caught.
If you take away the 65 yrd run, that put Wells at 81 yrds rushing, just 5 yrds shy of Hester. Not to mention that because of the score situation, they had to get away from the run to let their green QB try to make up some yrds in the passing game.
Ohio State tossed that game away. Dropped passes in endzone, blocked punt and 945 personal fouls for 12942 yards. Careless throws that resulted in picks. It was ugly. How many of those penalties gave them 3rd down conversions? They got beat by 14 pts and had more total yards than LSU. Ugly.
I know you point at the Illinois game, and I agree Illinois was overrated and should never have played USC, but you could have done the same for LSU. They got beat by Arkansas and KY. Arkansas got destroyed also in their bowl game and KY was lucky to beat a team that had to recruit from the local jail and high schools to field a team.
Mich beat FL because on any given day any team in the top 20-25 can beat another. You could also say that LSU/FL was a very good/close game. Michigan put 600 yrds on FL and managed to grind out 91 total yrds against OSU the game before. All depends on who comes to play.
I am going to take OSU on a small bet, a teasor with OSU +9, FG for first score (odds are crazy) and OSU will turn the ball over first.
Has anyone seen what the bet trend and money trend for the game tonight is? I know earlier in the week the bet trend was 80% LSU and the money trend was 83% OSU. Wondered if it had changed.
That is true. And LSU is pretty much playing at home in this one. Hard to bet against them in this game.
I hate to say it, but yes. Every thing in the numbers and schedule points to LSU pretty big. I hate to say that, considering I live in Big Ten country and went to OSU. I don't think the OSU offense can hang with LSU offense and they will need the OSU defense to really step up big. The game scares me though, I think they match up fairly well and I think after the womping they took last year they will come out for blood. I saw one article also a couple of days ago that said something to the effect....OSU has the very heart and soul of their program on the line. They have always been about '3 yards and a cloud of dust'. Last year they were man handled by FL and it will be the same kind of game this year. OSU's personal pride and self respect can't afford to be outplayed physically in the Championship 2 yrs in a row. I know it dramatic, but has some truth.
As far as betting goes, I am torn. I am really fired up for the game and hate to sit their and 'cheer' for my team knowing I have big money against them or vice versa. All my buddies are going LSU, but I will probably bet small and either do a teasor with OSU +10 or LSU +2. Not sure if should pick the over or under 47 with 6 pts to play with. I am up pretty big right now and pay day with bookie is tomorrow, so don't want to mess anything up also.
Think it was Indiana.
For tonight:
Boston -9
Portland -5
Detroit -5.5
Orlando -7
Not sure what to do about football tonight. 8 pts is a lot. Can Okl stop the run? That is the question of the day.
My guess is that WV will come out and give them a heavy dose of Slaton/White early to establish the ground game. I think this will set up the pass against a questionable pass defense who will be starting a 3rd string corner back.
On the other hand...this is Oklahoma. They have good run defense and can get after the QB generally with just 4.
Also, I don't like to bet on teams without a coach and in the midst of controversy.
I WILL KEEP THAT IN MIND, THANK YOU. I HAVE NOTICED, THIS YEAR MORE THAN MOST, THAT THE HISTORICALLY BETTER PROGRAMS ARE WINNING (OR COVERING) A LARGE PORTION OF THESE GAMES. CAL, 'BAMA, TEXAS, OREGON AND EVEN FL ST ALL CAME IN TO THE GAME STINKING IT UP. BUT WHEN THE MOMENT OF TRUTH IS UPON THEM, THEY STEPPED UP. FL ST ONLY COVERED, BUT THAT IS IMPRESSIVE TO ME CONSIDERING THE HIT THEY TOOK, BUT I GUESS THEY WERE PLAYING BETTER AT THE END OF THE YEAR BEFORE LOSING THEIR PLAYERS.
I WOULD DEFINITELY SAY THAT RUTGERS IS STRONGER PROGRAM THAN BALL STATE, SO I THINK THAT IS A LEGITIMATE FACTOR.
GOING INTO BOWL SEASON, GEORGIA WAS ONE OF MY FAVORITE GAMES. RUTGERS WAS ANOTHER ONE I REALLY LIKED. I AM STARTING TO BACK OFF THE RUTGERS GAME THOUGH. TEN POINTS IS A LOT AND BALL STATE REALLY HAD A PRETTY GOOD YEAR. MAY STILL BET BUT NEED TO GET IT UNDER 10.
Sorry Coy. Did not see your post about Mich/Fl when wrote last message. Did not mean to rub salt in the wound.
Hope everyone had a good New Years and holidays in general. Unfortunately it is time to get back to work. I have really enjoyed the Bowl games thus far, and look forward to the rest. How about Mich? Wow. Who would have guessed they would turn the ball over 4 times (2 in red zone) and still win. FL did not have a prayer at stopping their offense.
The more I look at the LSU and OSU game the closer I think it will be. I will probably still be betting LSU but I think it will be much closer than most think, they really don't match up too bad against them.
Thought Ill would get beat, but not that bad. Ouch.
Hope everyone did well on their betting.
Sorry to hear about your friend Coy. It is too bad that bad things happen to good people like that.
For tonight:
I think I am going to have to take Purdue -8. It is going to be an offensive explosion, but I think Purdue has a slightly better defense.
Both teams focus primarily on passing and Purdue allows 50 ish yards per game less than C Mich through the air and allows 11 ish pts fewer per game. I think Purdue had the tougher schedule also.
Only thing they must worry about is the legs on that QB. He has put up passing/rushing numbers that top Vick (although not exactly facing the same defenses). They keep QB in pocket, they win. IMO
And I got killed with TB. Almost glad there is only one game to bet today.
Backed off of GB a lot with the weather. Bet the weather big in Cincy with the under and a teasor with GB over 27. Going big on Tampa Bay today and looking at Minn tonight. Looking at Miami also, but think they will cater to Brady TD record some. Big B and NE is like that.
Have a teasor and 2 teamer with TB and Minn already.
I got nailed on Nevada also. Hit a big teasor though on Carolina and under.
Tomorrow I like
GB -8.5
TB -6
Best wishes to all, especially Real, over the Holidays. GL to all gamblers. Not sure about tonights game. FL At has the coach and the up and coming program etc etc. Memphis really came on at the end of the year though. 2.5 pts right now it looks, going to be close. I might stick to BBall tonight.
Tonight I like:
Boston -9.5
Detroit -9.5
Orlando -4
Toying around with Over in the Orlando game.
Good luck to all over Holidays.
You could not have lost on a teasor with Navy and Utah. Both teams covered with the points and over/under covered both ways with the points. Nice call though on Navy alone with the pts.
Won on that, didnt bet Lakers (luckily) because went from +1.5 to -3. Lost on Duke. Down little for night.
I don't know Coy, after looking at the game tonight, I think I like Utah over Navy, although I don't like the points. I may do a teasor with Under 70.5 and either Utah -2 or St Louis +14.
Utah is 3rd country in pts allowed. Last 10 games have given up 990ish yards on the ground. Offense is much more balanced.
Navy has a new coach and no defense. They have not played anyone really either. Utah beat Rutgers and played with BC losing in last drive.
Utah is 7-1 in last 8 bowl games.
Also tonight:
Lakers +1.5
Duke -5
All the handicappers are picking Over in that game also. 64.5 pts is a lot of pts. Will have to look into it more. I initially liked Navy also, but saw some Utah picks by handicappers so want to try to find why they are taking that angle.
While reading the poker conversation I was thinking the exact same thing. Every situation is different, and picking when to run them off, when to bait them on is the make or break trick that you must master.
Like Real said, you have to figure with your set you are gold and would want him to call you down to maximize your money. Exceptions of this obviously would be if a K or A or straight or flush draw was on the flop. As for him, he called you down (assuming you bet after the flop) with at least one over card on the board, not normally a wise move.
And of course in poker those things happen on occasion as much as it does suck. You just have to make sure you learned something about this guy in case a chance to burn him comes later (or avoid another burn) and you don't let it change how you play after the hand.
Love Poker.
That is the truth. McGrady did play last night, so that hurt.
About Dal/Det...I thought it was going to be a blow out also. Luckily I did not bet that game, but had I not found two others I liked more it would have been up there for sure. I had them as one of the picks I liked. Missed out on couple other picks I liked also that would have paid money..oh well. Hind sight is 20/20.
That is what online poker and rebuys have done to poker tournaments. When you sit down for a $100 buy in (or whatever stake) and you know that this is it, no rebuys and not any other sit and goes you play different than if you have unlimited opportunities to 'hit big'.