Option ARMs Come Back into Center Stage: 350,000 Active Option ARMs with over 200,000 in California. 78 Percent of Option ARMs have yet to hit Recast Dates.

Option ARMs are the gift that keeps on giving this holiday season.  As it turns out, these pesky toxic mortgages are still sitting waiting to hit recast periods.  Like a street vendor taco these things went down nicely and appeared cheap but came with a hefty aftermath.  The last option ARMs were made in 2007 yet they are still causing much pain in the housing market.  Attorney General Jerry Brown has requested data from the top 10 issuers of option ARMs with a deadline date of November 23.  It’ll be interesting to see what is released from the AG’s office.  However, Standard & Poors issued a report on option ARMs last week and found that much of the problems with these loans are still to come.

One of the stunning points found was that 93 percent of option ARM borrowers decided to go with the negative amortization option otherwise known as the “minimum payment” option.  This is something we have established from many fronts and data sets.  The bottom line is the vast majority went with negative amortization and this grew the actual balance owed.  Yet one of the new findings in the report was that 78 percent of all outstanding option ARMs have yet to hit major recast points.  Given that 58 percent of option ARMs are here in California, this is a one state wrecking ball:

In total, some 350,000 option ARMs are still active nationwide.  Over 200,000 of these loans are here in California.  The most risky option as we have established with option ARMs is the negative amortization payment:

Now why was this payment such a poor choice?  Well as the California housing market fell by 50 percent from its peak, the actual balance on many option ARMs was going up.  So not only is the home underwater from the initial starting point, the loan taken out on the home has increased on 90+ percent of these borrowers.  This is like negative equity squared.  So deep are these loans in negative equity territory that not even HAMP can save them.  Oh, and speaking of HAMP, it is turning out to be a colossal failure as expected:

“(NY Times) Capitol Hill aides in regular contact with senior Treasury officials say a consensus has emerged inside the department that the program has proved inadequate, necessitating a new approach. But discussions have yet to reach the point of mapping out new options, the aides say.

“People who work on this on a day-to-day basis are vested enough in it that they think there’s a need to do a course correction rather than a wholesale rethink,” said a Senate Democratic aide, who spoke on the condition he not be named for fear of angering the administration. “But at senior levels, where people are looking at this and thinking ‘Good God,’ there’s a sense that we need to think about doing something more.”

I know many delusional folks in California were thinking that somehow the quiet on the option ARM front had to do with the masterful success of HAMP.  Of course, these loans never qualified for HAMP but that is beside the point.  HAMP is failing because of a simple reason.  Negative equity.  Here in California, we have millions underwater.  Those with option ARMs are not only underwater, they are going to have massive spikes in their monthly payments at a time when the California unemployment rate is the highest in record keeping history.  The problem is Wall Street has sucked up all the taxpayer bailouts and for what?  To keep the crony welfare investment banks ticking?  Trillions of dollars out the door and the real economy is still troubled.  HAMP had the naïve premise that the only problem was high interest rates and the problem with the housing market was toxic mortgages.  Well, the actual problem is thousands of homes are still valued at bubble prices and with stagnant wages for a decade, people can’t afford homes without going massively into debt.  Prime, near prime, and subprime means little when you have no income and that is why even prime defaults are spiking.  The option ARM had such an allure for the gold rush California home speculator because it sidestepped that tiny little caveat of income.  It allowed maximum leverage without the valid income support.  80 percent of option ARMs went stated income.  In other words, people made crap up like saying they made $200,000 when they were pulling $75,000 to qualify for that $600,000 home:

“(CNN) There is another little problem that many option-ARM borrowers seeking refinancing would face: “Upwards of 80% of were stated-income loans,” said Westerback.

These are the so-called “liar loans” in which lenders did not verify that borrowers earned as much money as they said they did. Lenders may not be able to modify mortgages because many of the borrowers’ income could not stand up to the scrutiny. Borrowers may also not want to go through underwriting again because they could be held legally liable for deliberate inaccuracies on their original applications.

Add to those conditions the still fragile economy and high unemployment rates, and you have a recipe for disaster.”

As people chime in about stabilization, California is still hovering near the bottom in terms of prices.  The only reason we have seen prices move slightly up is because the massive jump into foreclosed homes, the home buyer tax credit, Fed buying securities to lower mortgage rates, and all these phony moratoriums that we are now seeing are basically delaying reality for many.  Inventory is artificially low because of the shadow inventory.

People ask for a solution.  Here it is:  We should have (and still should) break up the banks into pieces that are small enough to fail.  Bring back Glass-Steagall with some teeth.  Commercial and investment banking should be put into silos that don’t even come close to one another.  Banks that need to fail should.  After all, the government now backs 90+ percent of all mortgages so why do we even need them?  A quick assessment should have been made from day one on housing.  Those that couldn’t afford their homes should have gotten assistance into rentals.  Here’s a thought.  Why didn’t we create a program where those who had no way of paying on an overpriced home were given a tax break to rent a place in an empty commercial real estate development?  Right there you kill two birds with one stone.  Of course, those on Wall Street and those in our government are two sides of the same coin.  For the past three decades they have systematically neutered our government to the point of it being a bread and circus spectacle.

You think the 200,000 option ARM borrowers in California are sitting in a good spot?  Let us look at negative equity rates for a few metro areas since this is the largest predictor of future foreclosures:

If you look at the Inland Empire and the Phoenix metro area, they virtually reflect one another.  In fact, both areas have negative equity rates of 54% of all mortgage holders.  This is incredible.  Half of all borrowers are underwater in these big regions.  But look at the largest block of mortgages in California clustered in the Los Angeles-Long Beach area.  1.5 million mortgages and 400,000+ are underwater.  You think this is going to bode well for home prices as option ARMs hit their recast dates in stride from 2010 to 2012?  I put in a more normal area of Dallas above and you can see what a normal market looks like.  Even there, you can see that negative equity is still an issue.  But compare that to California and it is another story completely.  What does this mean?  The middle market is certainly going to take major hits once these loans hit their recast dates.  If they don’t qualify for HAMP, then what?  S&P in their report gives an example of a hypothetical $400,000 mortgage:

The payment flat out doubles at the recast date.  Do you think people are going to be able to come up with an extra $1,200 per month with no problems?  You know what the typical mortgage payment for a home bought last month in California totaled?  $1,097.  That is the price of the hypothetical increase in the priciest state in the U.S.  So yes sales are happening but at a much lower end.  How is this going to help those in negative equity on more expensive homes?  Take a look at the raw numbers for the state:

34 percent of all California mortgages are underwater.  You can rest assured that 80+ percent of those option ARMs are underwater.  As the above highlights, those mortgages are still here and they are still toxic.

Option ARMs fall under a bigger umbrella of Alt-A loans.  California has over 700,000 active Alt-A loans.  The bulk of the 200,000+ California option ARMs fall under this category.  But the bulk of these loans are also toxic mortgage waste.  These will go off as well.  These are actually part of the shadow inventory including those who simply stop paying but banks sit back and do absolutely nothing.  Is that really a solution?  Take a look at where the Alt-A loans are in California:

Los Angeles and Orange counties hold the biggest number of Alt-A and option ARM loans.  Do you really think this is a bottom?  It might be for a home in the Inland Empire selling for $100,000 or $150,000 depending on local area dynamics.  But many cities in Los Angeles and Orange County are vastly overpriced.  The above dynamics look similar to how subprime was building up in 2006 and 2007 before the market imploded.  Yet somehow things are now different.

(CFD.net.au – Contract for Difference, Share, Forex, ETFs, Commodities Traders) –

Oct. 21 (Bloomberg) — The

Securities and Exchange Commission

took a step that may halt expansion of the fastest- growing stock networks in the U.S. with rules to improve transparency in so-called dark pools.

SEC commissioners today voted to propose lowering to 0.25 percent from 5 percent the daily

volume

in a company’s shares that can be executed on the systems before quotes must be made public. dark pools are off-exchange platforms that Investors use to avoid revealing who they are and what they are trading.

U.S. Senators

Charles Schumer

of New York and

Ted Kaufman

of Delaware, both Democrats, are urging regulators to crack down on practices they say create an unfair advantage for the biggest Investors. Regulators proposed banning so-called flash trades, in which some Investors get a half-second glimpse at share orders before the public, last month.

“Although dark liquidity always has existed in one form or another in the equity markets, the commission must assure that the public markets and non-public trading venues operate within a balanced regulatory framework,” SEC Chairman

Mary Schapiro

said at a commission meeting in Washington. “This means that as markets evolve, the commission must continually seek to preserve the essential role of the public markets in promoting efficient price discovery and investor confidence.”

The proposal is the latest sign the SEC is toughening oversight of strategies spurred by the growth of alternative Exchanges and advances in technology. dark pools are sometimes used by so-called high-frequency traders, brokerages that execute thousands of orders in a SECond to profit from tiny price gaps.

‘Take Money Out’

“It will initially take money out of many dark pools’ pockets,” said

Matthew Samelson

, the Stamford, Connecticut- based founder of market research firm

Woodbine Associates Inc.

“They’re either going to have to adjust their pricing to be more competitive with the current displayed markets or that flow’s going” elsewhere, he said.

Trading on dark pools such as Zurich-based Credit Suisse Group AG’s Crossfinder and New York-based

Goldman Sachs Group Inc.

’s Sigma X, the two largest, has more than quadrupled to 9.4 percent of all U.S. equity volume in three years, according to

Tabb Group LLC

, a New York-based financial-services consultant.

Under the SEC plan, dark pools will have to publicly report quotes once they handle 0.25 percent of a Stock’s daily average volume. The electronic networks usually shut down trading in a security when they approach the existing 5 percent limit.

The agency decided against a 1 percent or 2 percent limit because that would still allow “game playing” in which dark pools would shut down trading once they got close to the threshold, said Michael Gaw, an assistant director in the SEC’s division of trading and markets. Dark pools wouldn’t be able to get around a 0.25 percent requirement, Gaw said.

Market Share

NYSE Euronext

and Nasdaq OMX Group Inc., operators of the biggest U.S. Stock Exchanges, may benefit from the rule change, according to Woodbine’s Samelson. Both have lost Market Share as investors shifted to newer venues.

The

New York Stock Exchange

handled 28 percent of all U.S. equity trading in September, while Nasdaq processed 22.7 percent. Their combined share has fallen to 50.7 percent from 74.1 percent in March 2006.

The SEC will exempt block trades, or orders exceeding $200,000, from the new rule. Firms specializing in blocks account for 8 percent of all dark-pool trading in the U.S., according to data compiled by Aite Group LLC, a financial- services consultant in Boston.

Transactions are biggest at New York-based Liquidnet Holdings Inc. and Pipeline Trading Systems LLC, where orders average 50,000 shares. That compares with 300 to 450 shares at venues such as Getco Execution Services, run by Chicago-based Getco LLC.

Small Investors

Dark pools reduce costs and benefit small investors by letting mutual funds buy and sell securities in private, Goldman Sachs said in a

statement

posted on its Web site yesterday.

“Institutional investors can improve their trading performance by executing in an anonymous manner that diminishes their footprint,” according to Goldman Sachs, the most- profitable securities firm in history. “In doing so, the clients of these institutional investors, for example mutual funds and pension funds where the bulk of small investors have their money invested, are direct beneficiaries.”

Growth of the networks is hurting traditional markets, which face more regulation, the

World Federation of Exchanges

said in a letter last month to

Mario Draghi

, chairman of the financial-stability board of the Basel-based Bank for International Settlements.

“The more the dark pools exist without any comprehensive regulation, the more you’re going to see liquidity siphon off from exchange markets,”

William Brodsky

, the chief executive officer of the Chicago Board Options Exchange and chairman of the WFE, said at a conference in Vancouver on Oct. 7.

The new SEC threshold may push smaller orders off of dark pools and onto exchanges, analysts said.

“If you were to limit the dark pools to that small amount of trading, it will be much harder to find a counterparty,” said

Dirk Hoffmann-Becking

, a London-based analyst for Sanford C. Bernstein & Co. For stock exchanges, “if they would see less competition from the dark pool world, that would certainly be a positive for them.”

To contact the reporters on this story:

Jesse Westbrook

in Washington at

jwestbrook1@bloomberg.net

;

Whitney Kisling

in New York at

wkisling@bloomberg.net

.

Last Updated: October 21, 2009 11:13 EDT

Source: Dark Pools Face SEC Restraints Curbing Fastest-Growing Markets

In today’s world, Credit Card Debts have become a huge problem for people. It causes a very stressful life because the creditors calls and letters gets so annoying by makings continues phone calls and letters. Sometimes Credit Card Debts even leads people to borrowing more from others then they can afford to pay back.

This has also become a problem for the creditors as they are worried about the collection of their unsecured debts. The burrowers’ accounts are increasing at fast rates, therefore making the creditors to agree on considerate debt settlements so that they are able to collect at least some amount of their money.

So if the borrower’s Credit Card Debts have reached more than $10,000, they become eligible to a 60% abdication with the help of a debt settlement company. This happens because the creditors fear that they will lose the entire amount which they have given to burrowers.

This may seem too good to be true, but it is a reality which is favorable for the borrowers, The Debt Settlement Companies should take maximum advantage of this point to help the consumers recover as soon as possible from their debts. And consumers should hire a Debt Settlement Company, so that they can easily discuss Credit Card Debt matters with the creditors more vividly. And thus you achieve a lower credit score or half percent of your credit get reduced.

Now if you contact a really good debt settlement company, they can even negotiate with your creditor so aggressively based on the some true facts that the creditors sometimes even agree to free you from all the debts. But it takes a lot of audacity. So mostly, they reduce their amount which makes a little easier for you to pay.

These facts include, the government guaranteeing the creditors for their survival, secondly the recession has come at a very wrong time as everyone in the world is facing crisis, increasing oil prices, doubled prices of everything, unemployment and low wages etc making it difficult for people to survive.

So the best option to get relief from your credit card debts is to hire The Debt Settlement Company. They will deal with the creditors more appropriately on your behalf.

It is advised that the consumers should not directly approach to these companies as most of them are scams instead go to the debt relief network where they have a good record of successful negotiating settlements and that they are legitimate and respectful companies.

Getting out of debt through a debt settlement process is currently very popular but you need to know where to locate the best performing programs in order to get the best deals. To compare debt settlement companies it would be wise to visit a free debt relief network which will locate the best performing companies in your area for free.

FreeDebtSettlementAdvice.com is one of the largest and most respected debt relief networks on the marketplace today. To find a debt settlement company through FreeDebtSettlementAdvice.com check out the following link:

Bet that sounds like an online dating tagline. But that’s not what it means. Nerdy, but true, every night I go though my watchlist. Actually, I only go through my growing list of 75 tickers once a week–usually Sunday, highlighting anything interesting. Then each night for the rest of the week, I only keep an eye on the interesting ones (in addition to what I already own). Tonight I had a peek through and I must say, there isn’t anything too hot on my list. However, I did like ACL–it’s just too pricey for me. So I’ll refrain. (For me at least, that’s easier than holding back on a cute dress I can’t afford.) In any case, I also set a trigger to let me know when MFE gets to 40, as it’s rolling between 40 & 44. How ’bout you? Anything on your hotlist?

Happy Thanksgiving!

Trading Girl

Going green is a new record that you hear more and more about those days. Basically, going green refers to life in a way that you do not negatively impact the earth. If also refers to the products we buy for our homes.

Going green is here to stay, it is not just a trend or fad that people buy in. Our planet heats up – fact. Look for our earth should be part of any daily routine. Because Let's face it, without our earth we would have nowhere to live.When we begin the care of our planet will not be long until it heats up the creation of habitable conditions for our great-great-grandchildren. And we can not exactly on the moon or other planets not move. So look for our planet is very important and we must set an example for our children so that they look after the earth when we are gone.

If you are "interested Going Green" there are many things you can do. Recycle your food packaging would be a good start. All cardboard,Paper, plastic and aluminum cans can be recycled. Glass is recyclable, such as our clothes. Most cities have recycling centers where you can recycle all your household goods, which means your doing your bit for the environment.

Air pollution is another issue green, but most of us think of the outside air does not pollute the air in our homes. But the air in our houses could also be because of the PVC products, such as soiled shower curtains.

A study has shown that PVC shower curtains canto be hazardous to health because they can release up to 108 toxic chemicals in the air. These chemicals can have a negative effect on the lungs, central nervous system, kidneys, liver, and the U.S. Center for Health Environment and Justice. It is quite possible in the future, PVC curtains could be banned from producing and rightly so. PVC is also very bad for the environment because it never fails.

To improve the quality of air, at home, you mustReplace your vinyl shower curtains with organic cotton or glass. The problem with cotton is that it's hard to keep looking new and clean, while a glass door, a shower is very easy to clean and it looks fabulous for years to come.

Glass shower doors are very popular and can in most hotels and apartments to be found.
Apart from looking a lot better than the old environmentally bad plastic blinds they are much more hygienic and can also look fantastic. Furthermoreactually work better to keep the water in the shower or bath than the old plastic shower curtains.

You'll be spoiled for choice when shopping for a glass shower door. They come in many different options. Perhaps like the idea of a swing door or sliding door. It could be produced even a specially designed shower door with your exact specifications. What type of door you choose, the choice of glass is important and worth thinking about. You can get almost any kind ofGlass even though it be strong if you want it, without a frame.

What glass shower door, you can choose to be your opinion that you are not polluting your air or unnecessary damage to the environment

http://diyhome.idatablog.com/

This week has been kind of flat for my account, but last week, oh last week! On 11/4, I ‘d purchased 2 orders of Sunpower (SPWRA) options (jan calls) for 3.20. I bought them considering the stock had been rolling and was at the bottom of a roll, which has worked for me in the past. But on 11/19, the company reported improper accounting practices, which had inflated their profits. I had a trigger to let me know if the options dropped below $2, but I didn’t have a sell order attached to it. By the time I got the message, the options had dropped to $1.10 apiece (we’re talking just a couple of hours). So I lost $400 on that one. It’s down to about .45 cents now. But it was really my bad. I should have set a trigger to automatically sell the position if it hit that low. I learn a good lesson every time something like this happens. I’m thankful though that I’ve got a good money management plan: I keep 30 percent in cash at all times, 50 percent in stocks on which I sell covered calls, and 20 percent in options. So this plan keeps me from losing my shirt.

Yesterday, I bought some options in TUP. It was severely oversold, has good fundamentals, and a steady climb on the 30 day ma and 7 day ma.

Looking toward tomorrow, my house is filled with the wonderful smells of good food cooking. I’m thankful for so much–great kids, a calm, a cozy home, the ability to run, and the chance for a better life.

God bless you and Happy Thanksgiving,
Trading Girl

This is a great opinion piece.  Sums up a lot of what I think as well.   Very interesting read.

Alec Baldwin: The Republican Way: Keeping Everything The Way It Is

You can check it out ehre:

http://www.youtube.com/user/jeremyshumelectronic

Quoting that page:

In this video, students encounter an engineering design formula for developing the ProLight Countdown.

… (more info)  

Never make someone a priority, when they are only willing to make you an option

- Onbekend

Attended Dilip Madan’s Blackrock NYQFS talk. Again a good, thought-provoking talk. The audience was smaller than what I saw for Heston’s talk, but this talk was much more interesting to me. I think it was the words ‘capital requirements’ which perhaps scared off any self-styled cowboys.

There were several ideas which were new to me in this talk. First he said there is a hidden put option in the limited-liability structure. This is a new way of looking at corporation/management agency-type problems which had been studied since Adam Smith, Berle and Means, and others, but I’ve never seen the further links to Black’s equity-as-call-option and public bailout before. This has always been a grey area, the ability of a limited liability company to fail and put all its debt and risk onto the government. Presumably it’s a pillar of capitalism, even Adam Smith mentions this when he discusses projects which only the government could profitably take on like bridges, but it’s still quite poorly understood, very much a blind spot. What is noteworthy here is that Madan was able to infer several interesting dollar figures on real financial firms from his new framework using VG processes.

The basic idea is that a limited liability firm owns a hidden put option. If things go bad, the management can declare bankruptcy. The bondholders and stockholders can wrangle over whatever’s left of the company, but after they’ve taken whatever is left, then the rest, all negative, goes on to the taxpayer. The management don’t suffer loss — they carefully manage their put option. In particular they’ve been doing this ever since the shell companies and holding companies of the Great Crash and before, each company a limited-liability firebreak to the next — a free put option lying on the sidewalk as Madan might say.

Exactly what goes to the taxpayer though? This raised several questions from the audience. What happens, for instance, is that a company could receive a limited liability. It could then, for instance, short a stock. For a while the CEO could receive a healthy bonus if the stock does poorly. The stock could then quickly skyrocket, and the CEO could then declare the company bankrupt. The bank which loaned the stock to the CEO would then not get the stock back and suffer a loss, which may cause it to collapse if there are correlated defaults, which could then require a bailout and hence a put.

It’s basically a bailout put. But Madan was able to tease some very interesting figures out the option volatility surface with his VG processes; but I’m not sure the volatility surface has so much special information as to be able to determine the value of the bailout put of a bank.

Madan was able to find capital requirements based on the volatility surface, but again if a bank met the revised capital requirements then the volatility surface would change; in particular, might a bank be able to manipulate its volatility surface in the option market and circumvent the capital requirements? (If we accept the possibility of bear runs and manipulation in stocks, then why would we rule out manipulation of options?) Someone else pointed out that the volatility surface during a crash is very unstable; Madan replied that one could use the surface in stable periods.

This is, in itself, an interesting position — that the stable market contains within it a preconception of the crash — but doesn’t it, in the surface?

Truly one of the most interesting talks I’ve attended in a long while.

Dear Supporters,

Moments ago, the Senate voted to begin its full debate on historic health care reform legislation instead of obstructing it with a filibuster.

Tonight’s vote marks the biggest victory to date for our grassroots effort to pass health care reform with a public option. We cannot give enough thanks to the over 100,000 signers of our petition at CitizensForAPublicOption.com for helping to fundamentally shift the momentum towards meaningful reform.

Not long ago, a few loud opponents of reform armed and organized by the insurance industry dominated this debate. Now the American people, the majority of whom support a public option, have spoken out and gained the upper hand.

Not long ago, the public option seemed like little more than a pipe dream. Now it’s part of health care bills in both the Senate and the House.

Not long ago, members of our own Democratic caucus weren’t sure they could even support an up-or-down vote on health care reform legislation. Tonight they voted to end the Republican filibuster.

But despite this good news, the fight for meaningful health care reform is not over. As we debate amendments to this legislation in the coming weeks, we will work with our colleagues to ensure it continues to address the “Three C’s” of meaningful reform: competition, choice, and cost reduction. And we will firmly oppose any effort to eliminate the public option.

Tonight we celebrate a milestone no one thought we could reach just months ago. Tomorrow the fight continues. We will not let up until the President signs a bill we can all be proud of.

Thank you for your support.

Sincerely,

Senator Dick Durban, Senator Patrick Leahy, Senator Chuck Schumer

‘‘Sec. 2711. No lifetime or annual limits.
‘‘Sec. 2712. Prohibition on rescissions.

There is one fact that all insurance companies face, not only one, but two.

Limits and exclusions.

But how could you expect a group of people that know no limits to spending, that are spending us into ruin, know the value of limits.

Without limits there is no ceiling for which the rates can be set or controlled. If you cannot control the limits, then you cannot control the cost. If you can’t control the cost, the cost is not affordable.

This is a fact that has been lost on Congress.

This bill is designed to:

1. Bankrupt ALL commercial insurance companies.
2. By means of elimination of free enterprise, force everyone onto the government option.

I also find it odd that they believe one should be able to buy auto insurance after an accident and the insurance company is liable for the accident.

Sec. 1101. Immediate access to insurance for uninsured individuals with a preexisting
condition

That is exactly what immediate access to insurance is. You break a leg and file for insurance, and the insurance foots the bill. Something for nothing. You cannot control the cost.

THIS IS NOT AFFORDABLE HEALTH CARE FOR ALL AMERICANS, JUST FOR THE FREE LOADER OF AMERICA. THE REST OF US PAY OUT THE ASS AND OUR PROVIDERS GO BELLY UP.

Socialism is just a fancy word for slavery.

That is not just the view from here,

Duane

Hi GUys !  Pa kabar ? ^_^

Beberapa waktu yang lalu, ada permintaan dari client-client adit mengenai lagu-lagu yang pas untuk prosesi masuk, tapi ga itu ituuuu ajaaa .. Agak bingung juga sihh, soalnya .. lagu untuk prosesi masuk itu ga bisa sembarangan.. ada kriteria-kriteria tertentu seperti misalnya :

1. harus LOVE song !  Wajib banget ! Ga boleh yang tema nya grey .. harus LOVE SONG , atau mungkin lebih tepatnya couples love song ..
2. Harus love song yang ‘KLIMAKS‘ ! alasannya, karena prosesi masuk itu salah satu moment terpenting dalam seluruh rangkaian weddingnya kamu. Kalau kamu menggunakan adat, mungkin agak sedikit berbeda. Di sini , adit sedang membahas untuk kamu kamu yang menggunakan international style. Hmm.. kalu lagu yang kamu gunakan hanya lagu cinta tapi tidak klimaks, pasti nanti berasa basi .. Gak nge-GONG gitu .. ^_^
3. MEsti lagu yang tidak terlalu panjang, tidak terlalu pendek .. atau at least bisa disesuaikan dengan panjang red-carpet kamu nantinya..Kalau lagu nya tipikal yang nanggung, nanti susah.. gilirannya kamu masuk ternyata lagunya belum klimaks, atau kamu belum memasuki ruang resepsi , uda klimaks duluan .. hmmm .. bisa gondok urusannya nanti… tul ?
4. Bukan lagu yang RnB, atau Jazzy banget, karena lagu jazzy rata-rata jarang ada yang berupa lagu yang memiliki klimaks..
5. Tidak terlalu pasaran, tapi juga ga terlalu banyak yang pake untuk wedding , tul ? karena uda ga berasa momentnya aja gitu, kalo keseringan dipake di wedding..

so .. apa dunk lagu-lagu yang cocok ama kriteria di atas ?? Bingung kan ? sama .. adit juga bingung .. hmmm.. tapi akhirnya adit dapet sih beberapa lagu, ada yang oldie, tapi ga terlalu oldie juga .. ada yang lumayan banyak orang tau .. tapi yang pasti bukan “from this moment” atau ” I  finally Found Someone ” yang uda laris manis dari jaman adit sma ampe skarang . ^_^

Berikut adalah lagu-lagu yang menurut adit lumayan asik, kata-katanya indah, puitis tapi ga lebai, ga terlalu pasaran , dan mungkin kamu suka. ^_^ Kamu bisa download di 4shared.com kalau kamu mau .. Please check it out :

1. Now That I Found You  – Michael Bolton
2. First Time Ever I Saw Your Face
3. For Everything I Am – Christian Bautista
4. For The First Time
5. Katakan Kau Milikku – Duets. Glenn Freddly n Rio Febrian
6. Tak Ada Yang Bisa
7. The Color of My Love – Celine Dion
8. Whenever You Call – Mariah Carey ft. Brian McKnight
9. Menikahimu – Kahitna

hmm.. lagu Whenever You Call bener-bener jadi lagu PeEr yang susah banget .. hehe bisa nangis-nangis latihannya .. secara, penyanyi aslinya Mariah Carey n Brian McKnight .. tapi .. ini bisa jadi lagu pengganti I Finally Found Someone yang uda mulai terlalu sering dinyanyikan di wedding.

Lagu kahitna memang bukan tipikal lagu yang nendang banget .. tapi Yovie memang punya sentuhan khas yang ga bisa digantiin ama siapapunn ! Yang jadi pemanis dari lagu ini adalah memang judulnya yang Wedding banget ghetoohh ^_^ .. so, happy hunting guys !

joshua aditya

I found out that i can’t resize my iTunes windows after i migrated from mac mini to macbook. The mac mini is hooked up with a 22 inch LCD, so, the screen size is bigger than the macbook. If you hit on the green buttons, you’ll get iTunes turn into mini player. What about my itunes windows size, as my macbook screen is 13 inch and i just can’t drag it to resize.

Here’s the solution.

Hold down the OPTION key and click on the green buttons, it will resize iTunes properly.

This is handy.

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