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Countywide's subprime loan production fell 50% to $5.07 billion from $10.2 billion, and subprime loans sold fell 48% to $5.16 billion from $9.8 billion.
Against this backdrop, Countrywide cut its 2007 earnings estimate to $2.70 to $3.30 a share, down from $3.50 to $4.30 a share previously, as the company said it expects a "challenging" second half, including difficulty in the housing and mortgage markets.
Now nearing the end of my sophomore year, I am left feeling swallowed and slightly chewed by this sixth consecutive quarter. And I know it’s not just me. Friends, undeclared friends in particular, feel the same way — tired, stressed, maybe even a little fidgety.
This quarter, like all other quarters, there are deadlines to meet, presentations to give, work shifts to make on time, and all of that is to be expected, but what I can’t quite grasp is that it really seems as if it was week one, and then I blinked, and now it’s week five. And the same applies to homework. In the mornings, only a paper due the next day lives on my to-do list, but three hours later, after another class ends, two novels and another paper have made their way onto it.
I know how incredibly blessed I am to be here. I know that college is intended to be hard work, especially here, and even more so if you are pushing the maximum unit load. Right now, though, it’s not about that.
Perhaps it has to do with the consecutive-ness of having three intense quarters in a row, or just the rigor and pace of this quarter in particular. As we approach midterms and finals, this feeling is bound to multiply, and what worries me is that people do not talk about it enough; when this happens, we hide how we are really doing, and other people do the same.
With duck syndrome and imposter syndrome and all the other various syndromes we are bound to get at some point in time here, especially if we are stretched a little too thin, what are some remedies?
Remedy #1. Ask yourself: why am I doing the things I am doing?
Before you sign up for a heavy course load, made heavier with other obligations, think about your reasons for doing so. There is a difference between a healthy challenge and an unnecessarily difficult one. Is it imperative that you take each of these classes now, at the same time? Speak to your advisor to see what they think.
Remedy #2. Write down a list of things you’re thankful for.
On a Post-it note, jot down some things that you are grateful for, no matter how small. Happy that your dining hall had chicken tenders today? Write it down. Is the weather particularly beautiful out? Write that down, too. The small things add up.
Remedy #3. Get some sun.
Grab a water bottle, spread out a blanket on the grass and work outside, even if it’s just for a few minutes. Avoid having days when the the bike ride to class is the only time you spend time in the sun, especially because sun exposure correlates with levels of serotonin, a key mood-regulating hormone.
Remedy #4. Write down a list of things that make you happy. Then do them.
Walk around the lake. Watch a few episodes of “The Office.” FaceTime a friend back home. However small the things that make us happy may seem in relation to our obligations, make time for them. Sometimes, a good conversation with a friend over coffee means more than starting a problem set the day it is handed out.
However far away your family is, they can be as far away as you make them. Checking in with a family member or close friends back home when things aren’t going your way can put things in perspective; if you’re talking with a younger sibling, for example, they can bring you back to a time when life was simpler, unplagued by housing applications or grant results. If you are talking with someone older — a parent, maybe — and just want to vent, invite them to simply listen. If you want their advice, more likely than not, they will have some to offer.
Remedy #6. Exercise to your favorite music.
Once I’ve convinced myself to go for a run, shoes all tied, and I finally get into it, the day’s stress isn’t something I am aware of anymore. After exercising, it feels as if I have accomplished something — something that’s good for me and something I can be proud of. The feeling amplifies if you do it to your favorite song.
Remedy #7. Do nothing for five minutes.
Nothing. Don’t scroll mindlessly on Facebook, don’t. The same way you give your legs a break after a hard workout, your brain deserves some rest after working so hard for you. Sit in the silence. Take an actual break.
Resist the urge to check your phone for messages the second you wake up. Instead, give yourself time to adjust to the morning and, when you’re ready, you can look at your devices. When you’re with friends, put your phone down. Connect with the living, breathing person in front of you. Give them your full attention, and they’ll give you theirs.
Ask yourself: What makes what I am trying to do challenging? When and where do I get “stuck?” What resources — academic, interpersonal, or otherwise — can I use to nudge me in the right direction?
Remedy #10. Talk to a professional.
Sometimes we need a little more help than we can get by talking to friends and family. If things are feeling a little too overwhelming, it might be a good idea to explore your options by talking to a peer counselor at the Bridge or by making an appointment at CAPS by calling (650) 723-3785. No problem is too small for you to reach out.
When it feels as if everything seems to be happening at once, I think about a quote from one of my favorite childhood shows, Avatar: the Last Airbender: “When we hit our lowest point, we are open to the greatest change.” In these times, remember that you are someone in progress.
Contact Amanda Rizkalla at ‘amariz’ at stanford.edu.
FACILITIES: Ch. 10, 316 kW, ant. 951 ft.
COMMENT: FCC licenses to SagamoreHill; non-license assets to Evening Post Publishing. $5 million payable in cash at closing for licenses; $100K escrow deposit.
FACILITIES: Ch. 42, 0.284 kW, ant. 3,734 ft.
COMMENT: Payable in cash at closing; $100K escrow deposit.
FACILITIES: WVOH-AM: 920 kHz, 500 W day/35 W night; WVOH-FM: 93.5 MHz, 25 kW, ant. 315 ft.
COMMENT: Payable in cash at closing; $15K deposit. Deal includes WVOH-LP/Hazlehurst, Ga.
COMMENT: $50K cash at closing plus $350K promissory note.
COMMENT: $17,750 escrow deposit plus $337,250 cash at closing.
COMMENT: Phillips is selling his interest in Southern Broadcasting to Houston for $300K; $10K cash at closing plus $290K promissory note.
COMMENT: $15K escrow deposit, plus $10K cash at closing, plus $225K from loan proceeds from the mortgage Buyer is obtaining in conjunction with the real property assets subject to this closing.
COMMENT: Payable in cash at closing; $12.5K escrow deposit.
COMMENT: Payable in cash at closing; $25K escrow deposit.
The cover of Swamp Thing #1.
You can’t exactly make a Swamp Thing television show without casting someone to actually play Swamp Thing. DC Universe has seemingly taken that truth to heart and then some by casting not one, but two actors to portray the titular avatar of the Green.
Deadline is reporting that actor and stunt performer Derek Mears (who played Jason Voorhees in the 2009 Friday the 13th reboot) has been tapped to play the swamp hero in his hulking plant form, while actor Andy Bean will play the character in his human guise of Alec Holland. Fans familiar with DC’s comics will recall that after the fateful accident that transfers Holland’s consciousness into a mystical swamp after he’s murdered, he no longer really presents himself in human form all that often, instead favoring to pull together plant life to form a kind of organic golem.
Given that DC Universe’s Swamp Thing has dual cast the role, it’s a suggestion that when the series drops sometime next year, it’ll spend a significant amount of time exploring Holland’s struggle to cling to his former life, even as his newfound connection to nature beckons him to let go and become something more.
It’s certainly starting to look like the New Jersey governor’s crew sought petty retribution against a political enemy by purposely causing traffic on the George Washington Bridge. Yes, really. It all feels very New Jersey, which is not the best thing for Chris Christie’s national aspirations.
The brewing scandal all started with a jam on the bridge in September, when three lanes from Fort Lee, New Jersey, were shut down for a “traffic study.” But testimony from Port Authority officials yesterday confirmed the initial, somewhat outlandish speculation (and later, solid reporting): There was no study — instead, Christie appointee (and high-school buddy) David Wildstein may have ordered the lanes shut to get back at the Fort Lee mayor, a Democrat, for not endorsing the governor in his landslide run for reelection.
“Mr. Wildstein instructed me ‘do not speak to anyone in Fort Lee,’” Robert Durando, the General Manager of the George Washington Bridge, testified. Wildstein and his boss on the Jersey side, Bill Baroni, kept the plan from their New York counterparts as well. Baroni later testified under oath about the traffic study that no one else has heard of. Wildstein has since resigned.
Asked if there was a “culture of fear” at the Port Authority, Durando paused for “an eternity,” WYNC reports. “I think your answer speaks for itself,” his questioner said.
When Christie himself was asked about the budding controversy last week, he deployed his patented smackdown. “I worked the cones actually,” he told reporters. “Unbeknownst to anyone, I was actually the guy out there, in overalls and a hat. You are not really serious with that question.” But the issue isn’t going away, and added to previous whispers about Christie’s potential shadiness — never mind the bullying and intimidation — this could add substantially to his 2016 workload.
Halle Berry's alleged stalker was charged with burglary.
Prosecutors have charged a man accused of stalking Halle Berry with felony burglary for being in the actress' guest house earlier this month.
Richard A. Franco pleaded not guilty to the additional charge during a court appearance Wednesday in Los Angeles. He now faces two felonies stemming from three incidents in which he was spotted on the Oscar winner's property in mid-July.
Berry has written in court filings that she is "extremely frightened" of the 27-year-old. She says he nearly gained entry into her kitchen before she was able to lock the door.
Criminal and civil judges have issued restraining orders against Franco in case he is released.
He has pleaded not guilty to stalking the actress and is due in court on Aug. 4.
Every few months I have a terrifying experience in the middle of the night.
I wake up but can't move, except for my eyes, which dart frantically underneath fluttering, heavy lids. I feel a heavy presence on top of my chest, squeezing the air from my lungs and throat. Then a shadowy, cloaked figure starts looming just within the corners of vision.
I'm not dreaming. And no matter how many times it happens, the panic sets in. As a kid, I thought the devil had paid a visit to my bedroom.
Now I know these symptom stem from a strange sleep phenomenon called sleep paralysis. While various social and psychological factors can influence the prevalence of sleep paralysis, a 2011 paper combined 35 studies with more than 36,000 participants total. The authors found that 7.6% of the general population experiences sleep paralysis, rising to 28.3% in high-risk groups, like students who have a disrupted sleep pattern. And in people with mental disorders, like anxiety and depression, 31.9% experienced episodes.
"When you're experiencing sleep paralysis, you become conscious," Daniel Denis, a PhD candidate in cognitive neuroscience and researcher at the Sleep Paralysis Project, tells Business Insider. "The idea is that your mind wakes up but your body doesn't."
Sleep has three or four stages of non-REM (rapid eye movement) sleep and one REM state. While people can dream in any stage, REM is the most closely associated with vivid dreams, the type that seem real.
The brain also stays active during REM - "almost comparable to during the day," Denis explains. People naturally become paralyzed during REM, probably to prevent themselves from acting out their dreams, a process known as REM atonia.
Many who wake up during this state simply open their eyes and quickly begin to move around. But those suffering from sleep paralysis experience "a sort of failure of the molecular clock," as Denis puts it. For whatever reason, REM atonia continues after you've waken up. Most episodes last a few seconds to a minute, but in much rarer cases, people can require 10 to 15 minutes before they fully regain motion.
About that shadowy friend of mine - researchers don't have the best explanations for it. To start, I could be experiencing my brain's interpretation of myself. The parietal lobes may be monitoring the neurons in my brain telling my limbs to move, according to a study from UC San Diego, published in the journal Medical Hypotheses. Since they can't, the brain hallucinates the intended movement.
Denis explains that the "intruder" might also be due to an over-active amygdala, a part of the brain responsible for fear (among other things). "You wake up with your amygdala screaming, 'There's a threat!'" he explains. "So your brain has to invent something to fix the paradox of the amygdala being active for no reason." While the amygdala remains active during REM sleep, total paralysis right after awakening can send it into overdrive.
One of the first in-depth studies on sleep paralysis in 1999 defines the three main categories of sleep paralysis hallucinations as the "incubus," the "intruder" and "unusual bodily experiences."
In the first case, people feel an intense pressure on their chests, inducing the feeling that they can't breathe.
As the authors note, sleep paralysis affects only the "perception of respiration." Breathing is reflex-based, so nothing truly separates these poor few from the oxygen they desperately need. It just feels that way because they're afraid.
"When you're in REM, your breathing is very shallow and your airways become quite constricted, so it would be difficult to breath anyway," Denis explains. "But when you become conscious of that, it can be terrifying."
People experiencing the second category, the "intruder," can feel a "sensed presence, fear, and auditory and visual hallucinations," the researchers note. Essentially, your mind invents a vision to solve some sort of paradox in the brain that occurs during sleep paralysis. The authors describe it as a "hypervigilant state of the midbrain," which can make people highly aware of even the smallest stimuli and "biased toward cues for threat or danger." That's why a small sound can seem horrifying to someone experiencing sleep paralysis.
The intruder and the incubus go hand-in-hand. Both symptoms typically involve the threat-activated systems in the amygdala, as mentioned earlier. Some people even relate the "intruder" and the incubus, reporting that they feel someone strangling or suffocating them, Denis says. But the third type of sleep paralysis hallucination, the "unusual bodily experiences" are the least common.
When people experience "unusual bodily experiences," they often feel like they're having an out-of-body experience, levitating or flying around the room, as the 1999 study explains. This third type appears to be associated with REM stages where the brainstem, cerebellar, and cortical vestibular centers are activated, according to a 2013 study of 133 patients with panic disorder.
The pons, which inhibits movement during sleep, falls into that area, Denis notes. "You feel like you're moving when you're not because the area of the brain that coordinates that is overactive," he says.
Cultural beliefs also strongly influence these hallucinations and experiences, leading to the creation of folklore and myth, which can blur fact with fiction. The "Old Hag," for example, is the primary interpretation of sleep paralysis in Newfoundland. And similar fantastical stories exist about the Boto, a pink river dolphin in the Amazon Basin that transforms at night into a lustful prowler, explains "The Devil in the Room," a documentary that explores the paranormal and mythical aspects of sleep paralysis.
Take a look at Henry Fuseli's 1781 oil painting, "The Nightmare," shown below, thought to be one of the clearest artistic interpretations of sleep paralysis.
Henry Fuseli's "The Nightmare," 1781.
Personally, my over-active amygdala conjures images of the devil - unsurprising considering I live in a majorly Christian nation and grew up mildly Catholic. From his research, Denis says that "modern Western culture" tends to see burglars, rapists, and aliens.
While sleep paralysis can be hereditary, it can happen to anyone. Factors like lack of sleep, sleep disturbances, jet lag, and shift work can increase someone's likelihood of experiencing it, and certain groups, like African-Americans, can also experience it more commonly. Sleep-paralysis episodes have been linked to hypertension, seizures, and narcolepsy, a sleep disorder where people lose their ability to regulate sleep cycles and can fall asleep at random and unexpected moments.
While stress, anxiety, and depression often trigger the episodes, we can't exactly control these factors. So beyond trying to reduce stress and getting plenty of sleep, how can you prevent the terrifying onset of sleep paralysis?
Avoiding sleeping on your back could help. Research has shown that people that experience sleep-paralysis episodes are three to four times more likely to occur in people who sleep in the supine position. Some people even use nightwear that makes lying on their back uncomfortable, according to Denis.
But if you do wake and find yourself unable to move, focus all your energy on wiggling a toe or finger. "So long as you can move one muscle, that breaks the paralysis," Denis advises.
Former Hibernian and Dundee manager Jim Duffy has been confirmed as the man to replace Michael O'Neill in charge of Second Division outfit Brechin City.
Brechin chairman Ken Ferguson said: "Jim brings a wealth of experience from both his playing days and, of course, an illustrious managerial career.
"We were quite amazed at the high quality of the applicants."
Duffy was director of football with Hearts in 2006 and had coaching spells with Chelsea, Portsmouth and Norwich.
He also turned down offers to manager Bohemians and Cambridge United in recent years.
O'Neill left his post at Glebe Park in December to take on the managerial job at Shamrock Rovers.
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Connected consumer devices have captured the attention of the media, but the market for the Internet of Things (IoT) in enterprise and industrial sectors is poised be much larger—around $300 billion annually by 2020 compared to half that for consumer technology, according to research by Bain & Company.
Industrial applications for the Internet of Things may not be as visible in most people’s daily lives, but they are typically more complex than those in the consumer realm. Many industrial applications operate large physical devices, and failure carries greater risk. Consider robotic arms in an automotive factory or valves in an oil refinery. The technology operates in real-time and it cannot simply stop operating without serious safety consequences. “Blue screens” are just not acceptable in industrial environments.
This difference may help give an edge to the IoT programs of industrial giants like GE, Siemens and Bosch, which are investing billions in technology and acquisitions. These industrial leaders are capitalizing on their deep industrial knowledge, moving from the equipment layer up the stack into software and analytics, as they aim to build platforms that become the standard operating systems for heavy industry. Bosch’s IoT platform, for example, gathers and analyzes metrics that help measure quality and optimize production in real time. These platforms have real-time capabilities and a fail-safe mode built in from the start, and their roots lie in mission-critical industrial systems that can pose significant risks and physical danger if they fail.
Enterprise solution vendors like SAP and Oracle are also developing platforms that make it easier to integrate IoT data into their existing enterprise resource planning (ERP), supply chain and other traditional software solutions. These analytics leaders are trying to stay ahead of the demand of their customers, who see digitalization expanding from the office to the factory floor or retail outlet.
Some telecommunications companies are developing platforms that capitalize on their life-cycle management capabilities. Telcos have the deep experience necessary to connect and manage millions of devices, including maintenance, upgrades and decommissioning. With life-cycle management as a baseline, telcos want to extend their platforms to offer sector-specific solutions to industrial and commercial businesses. Network equipment vendors such as Cisco are adding functions like authentication, security and analytics to their appliances to improve their value proposition.
Based on the opportunities available and the direction set by market leaders, industrial companies have at least three clear options for choosing platforms, depending on their starting point, ambition and capabilities.
• Build your own platform. Large industrial vendors have invested billions developing prominent IoT platforms, including GE’s Predix, Siemens’ Mindsphere and Schneider Electric’s EcoStrucure. Success will depend not only on committing to years of investment before seeing any returns, but also on starting from a position of competitive advantage or unique customer base. But smaller companies can succeed here, too, if they have significant market share in a narrow domain. The German machine tool manufacturer Trumpf, for example, is developing its Axoom platform to help its small and medium-size customers control their equipment linked to the IoT.
• Partner with an existing platform. This path requires much less investment and allows companies to capitalize on the effort of the platform provider. Partners that join early can help shape the platform for their industry. For example, Schindler has partnered with GE as the premier elevator and escalator provider on the Predix platform. Schindler gets access to an established IoT platform and a broad developer base, along with the ability to shape the front end for the elevator industry. GE benefits by bringing an industry leader on board to extend Predix, tapping Schindler’s domain knowledge. Of course, not all partners need to be at the scale of GE: Start-ups with platforms aimed at very specific use cases may prove to be the most effective partners, and industrial companies should not rule out candidates based on company size.
• Develop a point application with common tools from cloud service providers. This is the most cost effective way to get access to a platform, such as Amazon Web Service’s Greengrass, and its developer base. Companies that take this route use the tools and infrastructure provided by AWS to build their own IoT solution, but they have less ability to shape the platform or its tools. They hit the ground running, but may find themselves locked in to the terms and development path of a market-leading cloud provider.
For technology providers who want to supply the tools to these industrial customers, the equation is just as complex, but several imperatives are emerging.
• Partnerships are essential, and industrial device and equipment makers are forging relationships with analytics leaders and cloud service providers that will be critical to success.