Miercoles 19/09/12 Bernanke, casas existentes, inicios casas

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7:38 a.m. EDT 09/19/12Treasurys
    Price Chg Yield %
2-Year Note   1/32 0.255
10-Year Note   6/32 1.792
* at close
7:29 a.m. EDT 09/19/12Futures
  Last Change Settle
Crude Oil 94.60 -0.69 95.29
Gold 1776.4 5.2 1771.2
E-mini Dow 13523 24 13499
E-mini S&P 500 1454.75 1.75 1453.00
7:39 a.m. EDT 09/19/12Currencies
  Last (mid) Prior Day †
Japanese Yen (USD/JPY) 78.92 78.82
Euro (EUR/USD) 1.3015 1.3048
† Late New York trading.

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Copper September 19,07:39
Bid/Ask 3.7606 - 3.7617
Change +0.0024 +0.06%
Low/High 3.7474 - 3.8057
Charts

Nickel September 19,07:39
Bid/Ask 8.0209 - 8.0272
Change +0.0440 +0.55%
Low/High 7.9769 - 8.1932
Charts

Aluminum September 19,07:39
Bid/Ask 0.9476 - 0.9481
Change -0.0045 -0.48%
Low/High 0.9468 - 0.9680
Charts

Zinc September 19,07:39
Bid/Ask 0.9520 - 0.9522
Change +0.0154 +1.65%
Low/High 0.9338 - 0.9615
Charts

Lead September 19,07:39
Bid/Ask 1.0339 - 1.0341
Change +0.0079 +0.77%
Low/High 1.0213 - 1.0441
Charts

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Europe, Africa, Middle East
EURO STOXX 50 PRICE EUR 2,552.56 -0.84
(-0.03%) 07:25
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CAC 40 INDEX 3,510.32 -2.37
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All Europe, Africa, Middle East Indexes
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[Comodoro]

Los graficos del dia,
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[admin]

9:06 a.m. EDT 09/19/12Treasurys
    Price Chg Yield %
2-Year Note   1/32 0.259
10-Year Note   8/32 1.784
* at close
8:57 a.m. EDT 09/19/12Futures
  Last Change Settle
Crude Oil 94.84 -0.45 95.29
Gold 1772.8 1.6 1771.2
E-mini Dow 13520 21 13499
E-mini S&P 500 1455.25 2.25 1453.00
9:07 a.m. EDT 09/19/12Currencies
  Last (mid) Prior Day †
Japanese Yen (USD/JPY) 78.60 78.82
Euro (EUR/USD) 1.3025 1.3048
† Late New York trading.

[admin]

Alemania +0.22%

Libo igual 0.38%

Espana +0.22%

Au up 1,774

Futures cu up 3.80

Euro down 1.3024

Yields down 1.772%

Oil down 93.77

Europa al alza

[admin]

Yen up 78.61

Los datos de las casas hoy dia.

[admin]

Los inicios de casas aumentaron 2.3% en Agosto.

Se acelero la salida de capital de los bancos Europeos.

[admin]

El iPhone 5 recibe recomendacioness maravillosas por parte de tecnicos, expertos. Es el mejor en el mercado.

Apple IPhone 5 Gets Glowing Reviews
By Adam Satariano - Sep 19, 2012 7:52 AM ET

Apple Inc. (AAPL)’s iPhone 5 drew accolades from technology-gadget critics, who praised the smartphone’s lightweight body design, bigger screen and swifter data-download speeds even as some faulted its mapping tools.

The iPhone 5, which is scheduled to reach stores Sept. 21, is the best smartphone on the market, map-software flaws aside, according to Walt Mossberg of the Wall Street Journal. Ed Baig of USA Today said the device keeps Apple ahead of rivals such as Samsung Electronics Co. (005930), and Rich Jaroslovsky of Bloomberg called it the “handsomest phone you can buy.”

The mostly positive reviews stand to fuel what’s already turning out to be robust demand for Apple’s best-selling product. The company said on Sept. 17 that it received more than 2 million orders in 24 hours, more than double the record set when the company introduced the iPhone 4S last year.

“Nearly every feature has been upgraded, with a focus on what counts: screen, sound, camera, speed,” David Pogue wrote in the New York Times.

According to Mossberg and Jaroslovsky, one of the iPhone’s biggest drawbacks is the mapping software created by Apple to replace the Google Inc. (GOOG) maps application that had come pre- installed on the iPhone since 2007.

For instance, Apple’s version doesn’t have public-transit routing, Mossberg said. Jaroslovsky said the software was easily confused giving directions, especially in urban areas.

Both praised the device more generally.

“Apple has taken an already great product and made it better,” Mossberg wrote.

Eye Jab
The iPhone will be available Sept. 21 in the U.S., Australia, Canada, France, Germany, Hong Kong, Japan, Singapore and the U.K. With a new wireless contract, the device costs $199, $299 and $399, depending on the amount of memory.

Pogue criticized Apple’s change to a new dock connector, saying the move hampered the device’s compatibility with cars, clocks and speakers. The adapters being sold by Apple, which cost $30 or $40, don’t work for all accessories, he said. With the change, Apple gave away a competitive advantage of having a network of accessories available to use, Pogue said.

“That’s not just a slap in the face to loyal customers -- it’s a jab in the eye,” Pogue said.

One of the biggest improvements for the iPhone is its speed, said Baig of USA Today. The iPhone 5 connects to new high-speed wireless networks known as LTE, or long-term evolution, that are being introduced by companies such as AT&T Inc. (T) and Verizon Wireless, letting users more seamlessly watch video or toggle between Web pages or applications.

‘A Gem’
“People have always had lofty expectations for the iPhone 5, especially as the competition stiffens,” Baig wrote. “In delivering a fast, attractive, LTE-capable and larger-screen handset, Apple has met those expectations with a gem.”

Bloomberg’s Jaroslovsky praised the device’s battery life, which for other smartphones drains more quickly when working on an LTE network.

Apple, based in Cupertino, California, may sell 6 million to 10 million iPhones during the opening weekend, according to Gene Munster, an analyst at Piper Jaffray Cos. (PJC) With the iPhone 5 going on sale in 22 more countries on Sept. 28, Apple may sell another 49 million from October to December, according to Munster.

The iPhone accounts for about two-thirds of Apple’s profit, helping make it the world’s most valuable company. Shares rose less than 1 percent to a record $701.91 yesterday.

Because Apple only releases one new model a year, a successful debut is critical for the company’s continued growth. That compares with the several smartphones released each year by Samsung, Apple’s main competitor in a global smartphone market that surged 62 percent to $219.1 billion last year, according data compiled by Bloomberg Industries.

Samsung, which makes smartphones with bigger screens than the new iPhone 5, has sold more than 20 million units of its Galaxy S III smartphone.

“The iPhone 5 is by no means perfect, and we’re lucky there are a lot of really good smartphones on the market,” Jaroslovsky said. “But only one great one.”

To contact the reporter on this story: Adam Satariano in San Francisco at asatariano1@bloomberg.net

[admin]

Termina la hulega de profesores en Chicago.

[admin]

El iPhone tiene una pantalla mas grande (4 pulgadas), es mas delgado, mas rapido que nunca y ahora con LTE network.

The iPhone Takes to the Big Screen On Its Thinnest and Fastest Phone Ever, Apple Offers 4-Inch Display, LTE Network

By WALTER S. MOSSBERGLike this columnist

Although Apple's new iPhone 5 is lacking some key features in its new Maps app and its new charging cable size may be annoying, Walt Mossberg tells us it is still the best smartphone on the market.
.The world's most popular smartphone becomes significantly faster, thinner and lighter this week, while gaining a larger, 4-inch screen—all without giving up battery life, comfort in the hand and high-quality construction.

That's my quick take on Apple's AAPL +0.30%new iPhone 5, the sixth generation of the iconic device, which goes on sale on Friday. I've been testing the new iPhone for nearly a week and I like it a lot and can recommend it, despite a few negatives, such as a new maps app that has one big plus, but other big minuses. On balance, I still consider the iPhone the best smartphone on the market, especially with its staggering 700,000 third-party apps and a wealth of available content.

The price is the same—$199 for a 16-gigabyte base model, with higher-memory models at $299 and $399, all requiring a two-year contract.

Bigger Screen
In increasing the iPhone's screen size, Apple took a different approach than competitors. It kept the same side-to-side width, yet added height to grow the screen from its previous 3.5-inch size. For those who prefer the gargantuan screens on some other phones, like the 4.8-inch display on Samsung's 005930.SE -0.08%Galaxy S III, the iPhone 5's screen likely won't suffice. These competing big screens are typically both taller and wider.

Apple shares climbed above $700 for the first time ever, hitting the psychologically significant mark one day after reporting iPhone 5 pre-orders topped two million on the first day of availability. Steven Russolillo reports on digits.

However, I found the new iPhone screen much easier to hold and manipulate than its larger rivals and preferred it. In my view, Apple's approach makes the phone far more comfortable to use, especially one-handed. It's easier to carry in a pocket or purse and more natural-looking when held up to your face for a call.

And the moment you turn it on, you notice that the new, larger, screen can display more content—six rows of icons instead of five; and more contacts, emails and calendar entries without scrolling.

Despite the larger size, Apple managed to retain the same number of pixels per inch on the iPhone 5 as on earlier models, so the new model keeps the "Retina display" effect, which allows for sharp details. The screen continues to look great.

There's a temporary downside: Many apps will fail to fill the whole of the larger screen until they are revised. But they still work as intended.

Design
While this new model isn't a radical redesign, it offers a much bigger change than the current iPhone 4S did when it was launched last year. The minute you pick the iPhone 5 up you notice it's much lighter—20% lighter, in fact. It's so much lighter that you wonder if it's a demonstration mock-up, not the real thing.

Yet unlike many competitors, this isn't a plastic, insubstantial-feeling device. Although Apple claims it's the world's thinnest smartphone—18% thinner than the prior model—the iPhone 5 retains Apple's trademark, solid-feeling, metal construction, with an aluminum back this time, instead of a glass back. Like many Apple products, it's gorgeous.

There's one design change that's already rankling people, however: To accommodate the thinner design, Apple has adopted a new, thinner connector on the phone for plugging in the charger cable and connecting to accessories, like speaker docks. A new cable is included, but owners of the new phone will have to buy $29 adapters to keep using existing accessories.

The iPhone 5 also boasts a large array of new software features—though nearly all are available for older iPhones as well, via a free upgrade to the operating system, called iOS 6.

Speed, Battery and Camera
Perhaps the single biggest functional improvement in this iPhone—something you can't get by upgrading the software on an older model—is speed. Apple has finally connected the iPhone to the fastest cellular data network, called LTE, and data downloads and uploads just fly, even when you aren't on Wi-Fi. Also, the processor now has twice the previous speed.

Apple is hardly the first smartphone maker to include LTE. In fact, it's one of the last. But including it in the popular iPhone is a big deal, especially since, unlike on some early LTE models, the blazing cellular technology doesn't decimate the battery life on this phone.

Using an iPhone 5 on the Verizon VZ +0.73%LTE network in Silicon Valley and Washington, D.C., I averaged almost 26 megabits per second for downloads and almost 13 megabits per second for uploads. Download speeds peaked at 42 megabits per second. These speeds are more than 10 times the typical speeds I got on an iPhone 4S running Verizon's slower 3G network and are faster than most Americans' home Internet services. While LTE affects only data, voice calls I made on the iPhone 5 were clear, better than in the past. I had no dropped calls.

The iPhone 5's battery lasted between 9 and 12 hours every day, in mixed use. For most people, the phone would last the day without recharging.

Apple shrunk the size of the rear camera, but kept the 8-megapixel resolution and added a cool, easy panorama feature and the ability to take still photos while making a video. Photos and videos I took looked great and were improved when in low light.

Maps and Software
The biggest drawback I found is the new Maps app. Apple has replaced Google Maps with a new maps app of its own. This app has one huge advantage over the iPhone version of Google Maps—it now offers free, voice-prompted, turn-by-turn navigation. Google had made this available on its Android phones, but not the iPhone. Apple's navigation worked very well, with clear directions displayed as large green highway signs.

CloseSiri on the iPhone 5 can look up movies and sports information, above, as well as make restaurant reservations via the separate OpenTable app.
But the app is in other ways a step backward from the familiar Google app. For instance, while Apple's maps feature a 3-D "Flyover" view of some central cities, they lack Google's very useful ground-level photographic street views. And they also lack public-transit routing. Apple will instead link you to third-party transit apps. Also, while I found Apple's maps accurate, they tend to default to a more zoomed-in view than Google's, making them look emptier until you zoom out.

Siri, Apple's voice-controlled intelligent assistant, can still be unreliable (it's still a beta) but I had success with some of its new features, such as looking up movies and sports scores. It now allows you to dictate and post Facebook FB +1.60%status messages and book restaurant reservations via the separate OpenTable app.

Speaking of Facebook, Apple has added sharing to that service as a built-in feature that works with many apps on the phone.

There's also a nice new feature that lets you respond to a call you can't take with either a canned text message (such as "I'll call you later") or a reminder to call back.

Apple's FaceTime video-calling service now works over cellular connections as well as Wi-Fi. I was able to make several crystal-clear video calls over LTE, one from a parked car.

And Apple is introducing a new photo-sharing service, which lets you set up a stream of selected pictures and invite specific friends to subscribe to it. Any new pictures you add to these shared Photo Streams pop up on subscribers' phones and they can comment on them.

Some rival phones boast some features Apple chose to omit. These include a wireless function called NFC, for paying for goods wirelessly, and face recognition for logging into your phone. But I regard such features as either little-used or unperfected. For instance, NFC isn't available in most stores and, in my tests, facial recognition on phones has failed to work time and again. For some, these features matter a lot, but I'd bet most users won't care about them, at least in their current state.

Carrier Plans
Carrier plans for the new iPhone are too complex to detail here. In general, if you're a current iPhone user, you won't be able to upgrade at the $199 price unless you've had your current phone for a minimum period. And unlimited-data plans generally aren't available to new users, though Verizon will sell you one if you are an existing customer with unlimited data and pay an unsubsidized price of $649 for the phone. AT&T T +0.16%will allow existing users with unlimited plans to keep them, even at the subsidized phone price, if they've had their current iPhones for a certain length of time, generally around 20 months. Sprint S -1.54%is the exception: It offers unlimited data to all iPhone buyers, existing and new.

Upgrading
If you own an iPhone 4S and especially if your carrier won't let you upgrade yet at the $199 price, you may be content with just upgrading to the new software, which gives you a lot. But you'll be stuck with the smaller screen, bulkier size and pokier cellular speed. If you own an older model iPhone, or are switching from another phone, however, the iPhone 5 is an excellent choice.

Bottom Line
Apple has taken an already great product and made it better, overall. Consumers who prefer huge screens or certain marginal features have plenty of other choices, but the iPhone 5 is an excellent choice.

—Find all of Walt Mossberg's columns and videos at the All Things Digital website, walt.allthingsd.com. Email him at mossberg@wsj.com.

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Au up 1,773.60

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