Bryan C. Fleming

Google is Granted Voice Search Patent

Today Google was granted Patent #7,027,987 by the US Patent and Trademark Office covering a ‘Voice interface for a search engine.’

The implications for this are enormous. Consider what Google’s ability would be to search out audio clips in Podcasts, Internet Audio, and Video.

Google’s current video search is based on keyword tags that are inserted by the author. If they were to search the audio tracks inside these videos their search results could be much more accurate.

Furthermore the Patent would stop other search engine companies and Microsoft from being able to compete with them.

We’ve got to consider that the new Web will become more and more comprised of audio/video technologies.

This is certainly something to keep an eye on.

Become Affluent in 30 Seconds

“Of all the qualities a man should hold most dear, accountability is his most precious asset”- Henry Ford, Ford Motor Company.

Think about this one simple fact: People who succeed in life are more accountable than those who fail. Accountability is character. Without it, a man cannot achieve greatness. He will undermine his own success.

Some of the great business leaders of our time seem to think so too. Consider what Jack Welch says, “When I see a guy who can’t keep a simple appointment, I know I’ve got a guy who won’t be able to handle the big tasks”

It’s true. Have you known people like this? The old saying “A man is only as good as his word” is timeless.

If you want to become more affluent. If you want to rise to great heights in life. Become accountable. Practice with small things.

If you tell someone you will call him or her Monday morning. Call Them.

If you say you will be at your community roadside clean up project. Then Go! Even if it’s a nice day outside.

By keeping your word with the little things, you’ll find keeping your word with big things becomes easier. Not only will you take note, but others around you will too.

There’s a new game in town with interest rates on the rise. It’s called the “Planned Foreclosure” and here’s how it works.

Jim and Mary Jones work for a big automaker in Detroit Michigan. They both work in one of the big Manufacturing plants and on a good year can earn $100,000 each because of the vast overtime hours they can put in.

Two years ago they bought a $500,000 home with a low interest only ARM loan that will change as interest rates change. The payments are unbelievable low and they make more than enough money to pay the monthly bills.

Oh how times change….

Suddenly, Jim and Mary can’t get overtime pay because nobody wants American cars. Their incomes shrinks to nearly ½ of what it was. Interest rates and their house payments are on the rise as the Federal Reserve pushes up the prime interest rate. What will they ever do?

Forget selling the house. They haven’t been there long enough to break even. Staying there won’t work anymore because they simply can’t afford it.

Welcome to the planned foreclosure…

Jim and Mary find an aggressive lender to loan them 125% value of the their home’s value while their credit is still great. They take the $50,000 from the new loan and put it down on a much smaller home, perhaps costing only $250,000. This isn’t hard to do because they’ve got 20% to put down on the house. So they get the new house.

Jim and Mary move into the $250,000 home with a $200,000 mortgage. Now they can live a sane life again. Life goes back to normal.

But what about the $500,000 home? What happens to that? They simply tell the bank they can’t afford it and it falls into foreclosure.

Yes, their credit is in the house of pain for a while, but they’ve got a new house now. After-all, it’s only 7 years until the black mark comes off the credit report. Maybe times will change and they buy back the bigger house down the road.

It’s expected that this new trend is going to start picking up as more and more people get squeezed out of their homes. You’ll start hearing more about this. The mortgage lenders are about to get killed.
My question is who’s picking up the tab?