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Friday, January 6, 2012
D'Angelo covers Soundgarden's 'Black Hole Sun'
Virgin Records
By Anna Chan
Fans of R&B musician D'Angelo, your long wait for his followup to 2000's platinum-selling "Voodoo" may finally be coming to an end.
He's set to perform a few shows overseas, starting in Stockholm on Jan. 26. And on Monday, a demo of the neo-soul singer covering Soundgarden's hit "Black Hole Sun" off the 1994 album "Superunknown" surfaced on YouTube. (According to Spin, the recording may have been made in 2010.)
But fans of the 1990's hit may not be as excited as D'Angelo fans.
Save for a few lines from the chorus, this interpretation is pretty unrecognizable. Gone is ... pretty much everything wonderful about the?original. In its place is a tune that seems a bit flat and devoid of the emotional punch of the original. (It sounds like pretty elevator music.)?The vocals? Reminiscent of the Chipmunks whispering. True, it's not exactly fair to be judging a tune labeled as a?"demo," but when a cover of a hit drops, it's tough to resist comparing the new to the original masterpiece.
Check out D'Angelo's (unfinished) interpretation:
Compare it?to Soundgarden's original:
Which version do you prefer??
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Credit card debt and DCA letters
hi, i have had an M&S card with outstanding balance
since I stopped paying back about 6 years
and I have been unable to pay it back due to ongoing financial difficulties. I ahve been contacted by DCAs one after the other and lately a company called Credit Security has been on my nerves with threatning letters/calls.
Due to this debt, I have got bad credit rating for a while now.
I had once sent a CCA request to M&S and they sent me the agreement.
I then sent them a SAR
I am now thinking to somehow get this debt off my shoulder but although I have work I am still struggling with my finances every month and go overdraft often.
I am thinking to borrow a small amount off my family/friends and get the DCA
to settle the debt but I do not want to speak to the DCA on phone as they sound like thugs.
I need some guidance on how to approach this and how much to offer etc. my total debt on the card is ?5000+. Many thanks
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Thursday, January 5, 2012
Is gold finally gone?
Some experts think it's time to give up on the gold market as prices continue to fall. But if another financial crisis hits, investors will once again be clamoring for gold.
A stitch in time?
Skip to next paragraph Bill BonnerBill has written two New York Times best-selling books, Financial Reckoning Day and Empire of Debt. With political journalist Lila Rajiva, he wrote his third New York Times best-selling book, Mobs, Messiahs and Markets, which offers concrete advice on how to avoid the public spectacle of modern finance. Since 1999, Bill has been a daily contributor and the driving force behind The Daily Reckoning (dailyreckoning.com).
Recent posts
Okay? We have left 2011 behind. We are rid of it forever. It won?t come back. Never. Not even if the universe lasts a million years, we will never see it again.
Or will we? One of the intriguing discoveries of 2011 came the giant particle accelerator in Switzerland. Those clever scientists set up a race, from Geneva to a finish line in Italy, 730 kilometers away. It was a race of neutrinos against light. Who do you think won?
The smart money was on light. Einstein said it was the fastest thing in the cosmos. Nothing could be faster, he believed. That?s why planets are ?light years? from Earth. For example, other scientists discovered a couple of distant planets ? many light years away ? that were about the right size and the right distance from their star. They could have liquid water?and water-based life. But what we ?see? of these planets is already 950 years old. That?s how long it took the light to reach us.
So, if you want to see 2011 again, you could theoretically race ahead of light and watch it all over again. That is, if it were theoretically possible to go faster than light, which it wasn?t?until a few months ago.
When the scientists released their neutrinos in Geneva, the little critters quickly took the lead and then zipped along, beating light to the finish line. Barely. It was a photo finish. And some scientists think the photo was fumbled.
But unless we can hitch a ride on some souped-up neutrinos, 2011 is gone forever.
Will 2012 be better?or worse? We don?t know.
From our point of view, there was nothing wrong with 2011. It did pretty much what it was supposed to do. We are in a Great Correction. The year just ended felt like a Great Correction is supposed to feel. High unemployment. Falling high prices. Financial crises. Stock prices losing ground. What more do you want?
On that last item, The Financial Times adds detail:
?$6.3 trillion wiped off markets in 2011.?
The FT cites a Bloomberg calculation that tells us the global stock markets lost a little more than 12%, dropping to total capitalization of $45 trillion.
While stocks lost 12%, gold rose about 10%. For the 11th year in a row (we?ve lost track) our ?sell stocks/buy gold? formula paid off. Between falling stocks and rising gold there?s a spread of 22%. Not bad.
Dear Readers deserve full disclosure. Towards that end, we didn?t make money on both sides of the trade in every single year. Gold went up every year. But stocks didn?t go down every year. Stocks haven?t had a losing year since 2008. That means they were going up?alongside gold?for 2009 and 2010. And it means that selling stocks wasn?t such a hot idea those years. You could have made more money by buying stocks and buying gold.
Still, if you had followed our approach you would have made solid money every year ? even when other investors were getting killed. Let?s hope our good luck continues!
But today, we?re writing not about the known knowns of the past but about the unknown knowns of the future. We don?t know where prices are headed in 2012 ? and we know it!
Still, we don?t mind taking a guess. And let?s begin with our favorite investment ? gold. Apparently, the smart money thinks gold?s run is over.
George Soros, the billionaire who two years ago called [gold] the ?ultimate asset bubble,? cut 99 percent of his holdings in the first quarter, Securities and Exchange Commission data show. Hedge fund managers John Paulson, Paul Touradji and Eric Mindich also sold bullion this year. While speculators in New York futures are the least bullish (.MMGCNET) in 31 months, the median estimate in a Bloomberg survey of 44 traders and analysts is for prices to rally as much as 39 percent to $2,140 an ounce in 2012.
The divergence of views is widening after prices declined 19 percent from a record close of $1,900.23 on Sept. 5, or 1 percentage point away from a bear market. As some investors retreated to cash amid a $10 trillion slump in global equity values since May, others bought more metal, taking holdings in exchange-traded products to an all-time high two weeks ago. Bullion?s 8.1 percent gain in 2011 means it?s on track to beat stocks, bonds and the dollar for a second straight year.
?It?s done its job this year of protecting investors,? said Michael Cuggino, 48, who helps manage about $15 billion of assets, including $3 billion in gold, at Permanent Portfolio Funds in San Francisco and correctly predicted in February that prices would keep rising. ?Gold has been all over the place. If you bought gold at $1,800 then you aren?t too happy. Some people will get out of gold, but the longer-term investors will remain.?
Dennis Gartman, the economist and author of the Suffolk, Virginia-based Gartman Letter, said Dec. 13 that traders were witnessing the ?death of a bull.? He sold the last of his gold the previous day and said Dec. 23 his outlook was neutral. The ?megatrend? in bullion is ?in all likelihood near the end of the road,? Markus Mezger, co-founder of Zug, Switzerland-based Tiberius Asset Management AG, which manages about $2.5 billion of assets, said in its 2012 outlook report on Dec. 23.
Well, what about it? The smart money thinks gold is washed up. It thinks the bull market in gold is over. The smart money is selling. It?s moving on.
But what about the rest of us? What about those of us who cherish good looks more than brains?virtue more than money?a good drink over a good deed? What do we think?
We don?t remember our bad guesses. But we remember our good ones. And you may recall too that when gold got to $1,900 we thought it had gotten ahead of itself. After all, we?re still in a Great Correction. And as near as we can tell, the correction is intensifying. Prices don?t go up in a correction; they go down. Investors don?t fear inflation; it?s the lack of it that makes them sweat.
Besides, it looked to us like gold was over-priced.
In the 1940s, gold sold for $35 an ounce. A new Buick cost about $750. Without putting too fine a point on it, you could get your new wheels for about 20 ounces of gold.
Today, a new Buick will set you back about $26,000. Divide by $1,550. What do you get? About 16. This tells us that an ounce of gold is worth more today than it was then.
How about oil? In 1940 you could get a gallon of gasoline for about 10 cents. Last week, it was $3.50 cents. An ounce of gold would have bought you 350 gallons in 1940 and 414 gallons today.
Conclusion: gold is not too cheap at $1,500. At $1,900 it was too expensive.
So we warned that gold would go down too. Since then, it?s lost almost 20% of its value.
But we?re looking ahead. And ahead what we see is more of the same?more or less. Gold will eventually shock everyone by rising far above $1,900. When the real crisis hits?the crisis coming in the US bond market?gold will be the money that nobody doesn?t want.
But what we learned in 2011 was that when a Great Correction pinches, the dollar is the salve of choice ? not gold. When investors fear losses, they turn to the dollar for protection.
Eventually, when they begin to fear inflation, the gold bugs? day of glory will be at hand.
In the meantime, we?ll probably see a further correction in the gold price?perhaps down to $1,200. Or, perhaps it will stop at $1,400. We don?t know. And it doesn?t matter. Buy gold on dips; sell stocks on rallies.
This strategy may or may not pay off in 2012; but gold is insurance against financial disaster. And one is coming?
Regards,
Bill Bonner
The Christian Science Monitor has assembled a diverse group of the best economy-related bloggers out there. Our guest bloggers are not employed or directed by the Monitor and the views expressed are the bloggers' own, as is responsibility for the content of their blogs. To contact us about a blogger, click here. To add or view a comment on a guest blog, please go to the blogger's own site by clicking on dailyreckoning.com.
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Screen Grabs: Tom Cruise dials up futuristic navigation on Streak 5 (video)
Screen Grabs chronicles the uses (and misuses) of real-world gadgets in today's movies and TV. Send in your sightings (with screen grab!) to screengrabs at engadget dot com.
Scientology. Oprah. Katie. Love. Weird. Dell. Maverick. Mission: Impossible. Streak 5. Ghost Protocol. Scientology (again). Weirdly enough, the smattering of things that seemingly don't fit in that lineup have a place together, as what appears to be a Streak 5 has appeared in the "Sandstorm Chase" scene of Mission: Impossible Ghost Protocol. Word on the street is that Tom needed 4.32 million of these things to ensure he had enough for a nearly unlimited amount of re-takes. And now, the whole 'discontinued' thing makes total sense. Vid's after the break, with the four of you who aren't fans advised to head straight to 1:40.
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Continue reading Screen Grabs: Tom Cruise dials up futuristic navigation on Streak 5 (video)
Screen Grabs: Tom Cruise dials up futuristic navigation on Streak 5 (video) originally appeared on Engadget on Wed, 04 Jan 2012 21:49:00 EDT. Please see our terms for use of feeds.
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Disney and Comcast reach a long-term deal (AP)
LOS ANGELES ? The Walt Disney Co. said Wednesday that it reached a long-term agreement with the nation's largest TV signal provider, Comcast Corp., that extends their partnership into the next decade.
The 10-year deal covers major pay channels ESPN, Disney Channel and ABC Family and the retransmission of free ABC broadcast network programs through seven ABC TV stations. It allows Comcast subscribers to gain greater access to shows on demand over the Internet on multiple devices.
Terms were not disclosed.
The deal comes as TV distributors and content owners continue to spar over fees to carry programming.
In the New York area, a dispute between Time Warner Cable and The Madison Square Garden Co. has left some cable subscribers without access to Knicks basketball or Rangers hockey games since early in the new year.
Disney and Comcast agreed on the package covering 70 channels or services even though only a few agreements covering ABC Family, Disney Channel and Disney XD had expired at the end of 2011. The companies agreed that a long-term comprehensive deal was in both their interests.
Comcast and Disney called the scope and range of the deal "unprecedented."
"It reinforces the value of the multichannel subscription and takes full advantage of new technologies, which serve all of our viewers," said ESPN executive chairman George Bodenheimer in a statement.
The deal incorporates Comcast's Xfinity TV online suite of programs and gives its 22.4 million video subscribers online access to services such as ESPN3, which offers live feeds of games that are sometimes not on the television network. Comcast subscribers will also be able to watch ABC shows such as "Castle" and "Grey's Anatomy" on demand, but they won't have the option of fast-forwarding through commercials.
Comcast also agreed to carry the pay TV channel Disney Junior, a rebranded network focused on children up to age 7 that will replace the SOAPnet channel in February.
Disney shares rose 49 cents to $38.80 in afternoon trading. Comcast shares rose 10 cents to $24.59.
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