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"content": "\u003cp>\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/facebook-logo3.jpg\">\u003cimg class=\"alignright size-medium wp-image-65780\" title=\"facebook-logo\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/facebook-logo3-300x112.jpg\" alt=\"\" width=\"228\" height=\"85\">\u003c/a>On their first day of trading, Facebook shares finished at $38.23, just about a half-percent above their opening price.\u003c/p>\n\u003cp>From AP:\u003c/p>\n\u003cblockquote>\u003cp>That means Facebook is worth about $104 billion, more than Amazon.com, McDonalds and storied Silicon Valley icons Hewlett-Packard and Cisco. But as many people looked for a big first-day pop in Facebook's share price, the single-digit increase was somewhat of a letdown.\u003c/p>\n\u003cp>``It wasn't quite as exciting as it could have been,'' said Nick Einhorn, an analyst with IPO advisory firm Renaissance Capital. ``But I don't think we should view it as a failure.''\u003c/p>\u003c/blockquote>\n\u003cp>Sam Hamadeh of PrivCo, an IPO research firm based in New York, doesn't quite see it that way. The other day he gave us \u003ca href=\"http://ww2.kqed.org/news/2012/05/16/analysis-facebook-ipo-worth-25-per-share/\">seven reasons not to buy Facebook\u003c/a>, and he thinks today's debut is a big fizzle. Here's one thing he had to say:\u003c/p>\n\u003cblockquote>\u003cp>The market was stunned that the underwriters actually had to step in with \"supporting bids\" to keep Facebook stock from falling below $38/share.\u003c/p>\u003c/blockquote>\n\u003cp>Will put up my interview with Hamadeh, after the market closed, shortly.\u003c/p>\n\u003cp>So...has the bubble popped? Tumbling badly today, these local companies:\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"http://finance.yahoo.com/q?s=LNKD&ql=0\">LinkedIn\u003c/a> - down 6 percent\u003c/li>\n\u003cli>\u003ca href=\"http://finance.yahoo.com/q?s=yelp&ql=1\">Yelp\u003c/a> - down 12 percent\u003c/li>\n\u003cli>\u003ca href=\"http://finance.yahoo.com/q?s=P\">Pandora\u003c/a> down 7 percent\u003c/li>\n\u003cli>\u003ca href=\"http://finance.yahoo.com/q?s=ZNGA\">Zynga\u003c/a>- down 13 percent, trading halted twice\u003c/li>\n\u003cli>\n\u003c/ul>\n\u003cp>Hamadeh says many traders used short positions on these securities as a hedge against their Facebook shares, since Facebook stock is not shortable yet.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cp>\u003ca href=\"http://www.bloomberg.com/tv/\">\u003cstrong>Live coverage from Bloomberg TV here\u003c/strong>\u003c/a>.\u003c/p>\n\u003cp> \u003c/p>\n\u003cp>More \u003ca href=\"http://www.cnbc.com/id/24494689/\">live coverage, from CNBC\u003c/a>.\u003c/p>\n\u003cp>\u003ca href=\"http://www.coveritlive.com/mobile.php/option=com_mobile/task=viewaltcast/altcast_code=c2d4dd14e7\">Tweets\u003c/a> from journalists and others following today's Big Bang... Click on the play button to activate the stream...\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003ciframe src=\"http://www.coveritlive.com/index2.php/option=com_altcaster/task=viewaltcast/altcast_code=c2d4dd14e7/height=550/width=470\" frameborder=\"0\" scrolling=\"no\" width=\"470px\" height=\"550px\">\u003c/iframe>\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/facebook-logo3.jpg\">\u003cimg class=\"alignright size-medium wp-image-65780\" title=\"facebook-logo\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/facebook-logo3-300x112.jpg\" alt=\"\" width=\"228\" height=\"85\">\u003c/a>On their first day of trading, Facebook shares finished at $38.23, just about a half-percent above their opening price.\u003c/p>\n\u003cp>From AP:\u003c/p>\n\u003cblockquote>\u003cp>That means Facebook is worth about $104 billion, more than Amazon.com, McDonalds and storied Silicon Valley icons Hewlett-Packard and Cisco. But as many people looked for a big first-day pop in Facebook's share price, the single-digit increase was somewhat of a letdown.\u003c/p>\n\u003cp>``It wasn't quite as exciting as it could have been,'' said Nick Einhorn, an analyst with IPO advisory firm Renaissance Capital. ``But I don't think we should view it as a failure.''\u003c/p>\u003c/blockquote>\n\u003cp>Sam Hamadeh of PrivCo, an IPO research firm based in New York, doesn't quite see it that way. The other day he gave us \u003ca href=\"http://ww2.kqed.org/news/2012/05/16/analysis-facebook-ipo-worth-25-per-share/\">seven reasons not to buy Facebook\u003c/a>, and he thinks today's debut is a big fizzle. Here's one thing he had to say:\u003c/p>\n\u003cblockquote>\u003cp>The market was stunned that the underwriters actually had to step in with \"supporting bids\" to keep Facebook stock from falling below $38/share.\u003c/p>\u003c/blockquote>\n\u003cp>Will put up my interview with Hamadeh, after the market closed, shortly.\u003c/p>\n\u003cp>So...has the bubble popped? Tumbling badly today, these local companies:\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"http://finance.yahoo.com/q?s=LNKD&ql=0\">LinkedIn\u003c/a> - down 6 percent\u003c/li>\n\u003cli>\u003ca href=\"http://finance.yahoo.com/q?s=yelp&ql=1\">Yelp\u003c/a> - down 12 percent\u003c/li>\n\u003cli>\u003ca href=\"http://finance.yahoo.com/q?s=P\">Pandora\u003c/a> down 7 percent\u003c/li>\n\u003cli>\u003ca href=\"http://finance.yahoo.com/q?s=ZNGA\">Zynga\u003c/a>- down 13 percent, trading halted twice\u003c/li>\n\u003cli>\n\u003c/ul>\n\u003cp>Hamadeh says many traders used short positions on these securities as a hedge against their Facebook shares, since Facebook stock is not shortable yet.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/hplogo.jpg\">\u003cimg class=\"alignleft size-full wp-image-65736\" title=\"hplogo\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/hplogo.jpg\" alt=\"\" width=\"224\" height=\"168\">\u003c/a>\u003ca href=\"http://www.apple.com/\">Apple\u003c/a> takes a lot of flack for the business concept \"\u003ca href=\"http://www.forbes.com/sites/kenrapoza/2012/01/31/how-much-of-the-iphone-is-made-in-china/\">Designed in California, made in China\u003c/a>.\" But even the most casual hi-tech observer will acknowledge it's an industry standard, not the exception.\u003c/p>\n\u003cp>So you may be forgiven if you heaved a heavy sigh but didn't raise an eyebrow at the news that Hewlett-Packard’s chief executive, Meg Whitman, plans to announce \u003ca href=\"http://www.businessinsider.com/source-hp-layoffs-are-going-to-be-huge-2012-5\">jobs cuts 30,000 or more jobs\u003c/a>, most of them outside China, when H.P. announces earnings for its second fiscal quarter on Wednesday.\u003c/p>\n\u003cp>The New York Times adds today that unnamed executives say HP will \u003ca href=\"http://www.nytimes.com/2012/05/18/technology/hewlett-packard-plans-job-cutbacks.html?emc=tnt&tntemail0=y&pagewanted=print\">seek layoffs and voluntary retirements\u003c/a> from across the company. The total downsizing could come out to as much as 10 percent of HP’s 324,000-person work force.\u003c/p>\n\u003cp>HP is a storied Silicon Valley pioneer, but these days many say it seems like a dinosaur compared to newbie companies making their billions on cloud computing, smartphones and tablets. PCs? Printers? \"Pshaw!\" say the critics, although it's hard to separate HP's wander in the wilderness from the \u003ca href=\"http://www.kqed.org/a/forum/R201008100900\">executive boardroom drama\u003c/a> that has clouded the company's image in recent years. There's also plenty of \u003ca href=\"http://tech.fortune.cnn.com/2012/05/08/500-hp-apotheker/\">grist\u003c/a> for students of management to study.\u003c/p>\n\u003cp>CEO Meg Whitman, \u003ca href=\"http://www.californiareport.org/archive/R201005021700/a\">erstwhile candidate for California Governor\u003c/a>, took the HP big seat promising to set the company on a growth course, and HP recently announced a series of lightweight laptops, called \u003ca href=\"http://www.pcworld.com/article/255706/why_ultrabook_laptops_arent_just_macbook_air_clones.html\">ultrabooks\u003c/a>, intended to compete against similar machines from Apple. The company also hopes to win profits with a cloud-computing data center using its newest, more energy-efficient servers.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The thing is, much of that business has already moved to Taiwan.\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/hplogo.jpg\">\u003cimg class=\"alignleft size-full wp-image-65736\" title=\"hplogo\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/hplogo.jpg\" alt=\"\" width=\"224\" height=\"168\">\u003c/a>\u003ca href=\"http://www.apple.com/\">Apple\u003c/a> takes a lot of flack for the business concept \"\u003ca href=\"http://www.forbes.com/sites/kenrapoza/2012/01/31/how-much-of-the-iphone-is-made-in-china/\">Designed in California, made in China\u003c/a>.\" But even the most casual hi-tech observer will acknowledge it's an industry standard, not the exception.\u003c/p>\n\u003cp>So you may be forgiven if you heaved a heavy sigh but didn't raise an eyebrow at the news that Hewlett-Packard’s chief executive, Meg Whitman, plans to announce \u003ca href=\"http://www.businessinsider.com/source-hp-layoffs-are-going-to-be-huge-2012-5\">jobs cuts 30,000 or more jobs\u003c/a>, most of them outside China, when H.P. announces earnings for its second fiscal quarter on Wednesday.\u003c/p>\n\u003cp>The New York Times adds today that unnamed executives say HP will \u003ca href=\"http://www.nytimes.com/2012/05/18/technology/hewlett-packard-plans-job-cutbacks.html?emc=tnt&tntemail0=y&pagewanted=print\">seek layoffs and voluntary retirements\u003c/a> from across the company. The total downsizing could come out to as much as 10 percent of HP’s 324,000-person work force.\u003c/p>\n\u003cp>HP is a storied Silicon Valley pioneer, but these days many say it seems like a dinosaur compared to newbie companies making their billions on cloud computing, smartphones and tablets. PCs? Printers? \"Pshaw!\" say the critics, although it's hard to separate HP's wander in the wilderness from the \u003ca href=\"http://www.kqed.org/a/forum/R201008100900\">executive boardroom drama\u003c/a> that has clouded the company's image in recent years. There's also plenty of \u003ca href=\"http://tech.fortune.cnn.com/2012/05/08/500-hp-apotheker/\">grist\u003c/a> for students of management to study.\u003c/p>\n\u003cp>CEO Meg Whitman, \u003ca href=\"http://www.californiareport.org/archive/R201005021700/a\">erstwhile candidate for California Governor\u003c/a>, took the HP big seat promising to set the company on a growth course, and HP recently announced a series of lightweight laptops, called \u003ca href=\"http://www.pcworld.com/article/255706/why_ultrabook_laptops_arent_just_macbook_air_clones.html\">ultrabooks\u003c/a>, intended to compete against similar machines from Apple. The company also hopes to win profits with a cloud-computing data center using its newest, more energy-efficient servers.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>The Bay Area News Group is holding a \u003ca href=\"http://www.coveritlive.com/mobile.php/option=com_mobile/task=viewa%0Altcast/altcast_code=061abc905e\">live chat\u003c/a> with tech columnist Chris O'Brien about today's Facebook IPO.\u003c/p>\n\u003cp>Click on the play button to activate the chat. \u003c/p>\n\u003cp>\u003ciframe src=\"http://www.coveritlive.com/index2.php/option=com_altcaster/task=viewaltcast/altcast_code=061abc905e/height=550/width=400\" scrolling=\"no\" height=\"550px\" width=\"400px\" frameborder=\"0\">\u003ca href=\"http://www.coveritlive.com/mobile.php/option=com_mobile/task=viewa%0Altcast/altcast_code=061abc905e\">Live chat about Facebook IPO, May 18 at\u003cbr>\n11 a.m.\u003c/a>\u003c/iframe>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n",
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"disqusTitle": "In San Francisco, Billboards Proliferate, Despite Voter-Approved Ban",
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"content": "\u003cp>\u003cstrong>by Matt Smith, \u003ca href=\"http://www.baycitizen.org/business/story/billboards-ban-san-francisco-lawsuit/\">The Bay Citizen\u003c/a>\u003c/strong>\u003c/p>\n\u003cp>When Milo Hanke moved from Boston to San Francisco in 1982, he found a city in need of improvement.\u003c/p>\n\u003cfigure id=\"attachment_65558\" class=\"wp-caption alignleft\" style=\"max-width: 235px\">\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/billboardsmattsmith.jpg\">\u003cimg class=\"size-full wp-image-65558\" title=\"billboardsmattsmith\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/billboardsmattsmith.jpg\" alt=\"\" width=\"235\" height=\"230\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Matt Smith/ The Bay Citizen\u003c/figcaption>\u003c/figure>\n\u003cp>“This was the most charmed and enchanted city,” Hanke recalled, “but there were certain urbanscapes I really enjoyed at night that were blocked by signs. I dreamed one day there would be no billboards.”\u003c/p>\n\u003cp>The financial adviser joined San Francisco Beautiful, one of the 400 separate community improvement associations listed with the city’s Planning Department. After a new billboard at the corner of California and Hyde streets pushed him “over the edge,” Hanke helped lead San Francisco Beautiful’s 2002 campaign for Proposition G, a ballot initiative banning new billboards on private property. Voters overwhelmingly approved the measure.\u003c/p>\n\u003cp>But Hanke and his fellow beautifiers quickly discovered that getting San Franciscans to support Prop. G was easier than getting the city to enforce the new law. Soon after the billboard ban went into effect, advertising companies defiantly put up hundreds of signs and went to court to challenge the ordinance.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>On Tuesday, San Francisco Beautiful filed a lawsuit of its own, claiming the city’s recent settlement with the billboard company Fuel Outdoor violates Prop. G and a state environmental law. \u003c!--more-->\u003c/p>\n\u003cp>Fuel Outdoor had sued San Francisco in federal court after the city issued 84 notices of violation to the firm for violating the billboard ban. The company claimed Prop. G violated its constitutional right to free speech. When a federal appeals court threw out a similar challenge to Los Angeles' billboard ban, Fuel Outdoor began pursuing a settlement agreement with San Francisco\u003cstrong>. \u003c/strong>\u003c/p>\n\u003cp>In February, the city agreed to allow the firm to pay $1.75 million in fines for violating the billboard ban. But Fuel Outdoor has to pay only if the city lets it remove some of its larger billboards and put up 125 smaller signs instead.\u003c/p>\n\u003cp>“This is a lousy way to enforce laws enacted by our citizens,” said Hanke, who leads San Francisco’s billboard committee. “If you do it for Fuel Outdoor, you have to do it for every scrappy billboard company that can afford to hire a lawyer.”\u003c/p>\n\u003cp>The San Francisco city attorney’s office refused to comment. But Jim Reuben, Fuel Outdoor’s attorney, said the settlement allows city officials to avoid the difficult task of levying fines against hundreds of small property owners who are responsible for the signs that go up on their buildings. He also said the firm has removed the signs that violated the city ordinance.\u003c/p>\n\u003cp>In negotiating the settlement, Reuben sought to “get the landlords off the hook, get Fuel into compliance and do something that benefited everybody,” he said. “Sometimes, these things are hard to enforce. They’re easy to pass at the ballot, but hard to comply with.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>A quick tour of the city indicates that compliance remains a problem. For example, at the corner of Ashbury and Hayes streets, two billboards, each the size of cars, covered one wall of Deli Plus market on Monday. The signs advertised Zeva soda, Designer Shoe Warehouse and the I Love This City music festival. The top and bottom of each billboard featured 3-inch-high messages inviting viewers to enter a raffle to “win free stuff.” Deli Plus’ owner told a reporter he was not aware of any raffle associated with his store.\u003c/p>\n\u003cdiv id=\"rpuCopySelection\">\n\u003cp>According to Dan Sider, the San Francisco Planning Department advertising specialist, the signs on Deli Plus are illegal. But the owner of those signs and similar billboards throughout the city, Contest Promotions LLC, has claimed that the words “win free stuff” and the raffle that is supposed to be offered inside the deli actually promotes the store’s wares. San Francisco’s billboard ordinance bans only so-called general advertising.\u003c/p>\n\u003cp>Randal Morrison, a San Diego attorney who advises governments on outdoor sign policies, agreed with Sider. The sign \"is a separate business available for rent to anyone who comes to the advertising firm with a check,” Morrison said. “That is in contrast to on-site advertising, which is part of the same business.”\u003c/p>\n\u003cp>Contest Promotions officials did not return two phone messages requesting comment. Like Fuel Outdoor, Contest Promotions has sued San Francisco, claiming the billboard ban violates its First Amendment rights, while continuing to manage billboards the city deems illegal. The litigation is on hold pending settlement talks with the city.\u003c/p>\n\u003cp>Morrison noted that the U.S. Supreme Court has upheld San Diego’s billboard ban, the only time the justices considered a First Amendment challenge to such a law. And he pointed out that San Francisco’s ban already has withstood some key legal challenges.\u003c/p>\n\u003cp>Evan Lee, a constitutional law professor at the UC Hastings College of the Law, added that companies have tried repeatedly – and failed – to limit various types of advertising bans on free-speech grounds.\u003c/p>\n\u003cp>“If San Francisco wants to ban billboards, it can ban billboards,” Lee said.\u003c/p>\n\u003cp>While billboard companies continue their legal battles with the city, another public agency, the Transbay Joint Powers Authority, approved a contract with Fuel Outdoor in April to manage billboards at the temporary bus station downtown. According to agency documents, the company was qualified to bid on the contract because it had more than five years' experience managing signs in an urban setting.\u003c/p>\n\u003cp>“We recognize they weren’t the only company to have challenges under voter-approved Proposition G,” said Adam Alberti, spokesman for the authority, which is overseeing the construction of the new Transbay Transit Center. “We have no opinion about that policy but recognize that the policy had an upsetting effect for the industry.”\u003c/p>\n\u003cp>\u003cem>This story was produced by The Bay Citizen, a project of the Center for Investigative Reporting. Learn more at www.baycitizen.org.\u003c/em>\u003c/p>\n\u003c/div>\n\n\n",
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"description": "by Matt Smith, The Bay Citizen When Milo Hanke moved from Boston to San Francisco in 1982, he found a city in need of improvement. “This was the most charmed and enchanted city,” Hanke recalled, “but there were certain urbanscapes I really enjoyed at night that were blocked by signs. I dreamed one day there",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cstrong>by Matt Smith, \u003ca href=\"http://www.baycitizen.org/business/story/billboards-ban-san-francisco-lawsuit/\">The Bay Citizen\u003c/a>\u003c/strong>\u003c/p>\n\u003cp>When Milo Hanke moved from Boston to San Francisco in 1982, he found a city in need of improvement.\u003c/p>\n\u003cfigure id=\"attachment_65558\" class=\"wp-caption alignleft\" style=\"max-width: 235px\">\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/billboardsmattsmith.jpg\">\u003cimg class=\"size-full wp-image-65558\" title=\"billboardsmattsmith\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/billboardsmattsmith.jpg\" alt=\"\" width=\"235\" height=\"230\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Matt Smith/ The Bay Citizen\u003c/figcaption>\u003c/figure>\n\u003cp>“This was the most charmed and enchanted city,” Hanke recalled, “but there were certain urbanscapes I really enjoyed at night that were blocked by signs. I dreamed one day there would be no billboards.”\u003c/p>\n\u003cp>The financial adviser joined San Francisco Beautiful, one of the 400 separate community improvement associations listed with the city’s Planning Department. After a new billboard at the corner of California and Hyde streets pushed him “over the edge,” Hanke helped lead San Francisco Beautiful’s 2002 campaign for Proposition G, a ballot initiative banning new billboards on private property. Voters overwhelmingly approved the measure.\u003c/p>\n\u003cp>But Hanke and his fellow beautifiers quickly discovered that getting San Franciscans to support Prop. G was easier than getting the city to enforce the new law. Soon after the billboard ban went into effect, advertising companies defiantly put up hundreds of signs and went to court to challenge the ordinance.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>On Tuesday, San Francisco Beautiful filed a lawsuit of its own, claiming the city’s recent settlement with the billboard company Fuel Outdoor violates Prop. G and a state environmental law. \u003c!--more-->\u003c/p>\n\u003cp>Fuel Outdoor had sued San Francisco in federal court after the city issued 84 notices of violation to the firm for violating the billboard ban. The company claimed Prop. G violated its constitutional right to free speech. When a federal appeals court threw out a similar challenge to Los Angeles' billboard ban, Fuel Outdoor began pursuing a settlement agreement with San Francisco\u003cstrong>. \u003c/strong>\u003c/p>\n\u003cp>In February, the city agreed to allow the firm to pay $1.75 million in fines for violating the billboard ban. But Fuel Outdoor has to pay only if the city lets it remove some of its larger billboards and put up 125 smaller signs instead.\u003c/p>\n\u003cp>“This is a lousy way to enforce laws enacted by our citizens,” said Hanke, who leads San Francisco’s billboard committee. “If you do it for Fuel Outdoor, you have to do it for every scrappy billboard company that can afford to hire a lawyer.”\u003c/p>\n\u003cp>The San Francisco city attorney’s office refused to comment. But Jim Reuben, Fuel Outdoor’s attorney, said the settlement allows city officials to avoid the difficult task of levying fines against hundreds of small property owners who are responsible for the signs that go up on their buildings. He also said the firm has removed the signs that violated the city ordinance.\u003c/p>\n\u003cp>In negotiating the settlement, Reuben sought to “get the landlords off the hook, get Fuel into compliance and do something that benefited everybody,” he said. “Sometimes, these things are hard to enforce. They’re easy to pass at the ballot, but hard to comply with.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>A quick tour of the city indicates that compliance remains a problem. For example, at the corner of Ashbury and Hayes streets, two billboards, each the size of cars, covered one wall of Deli Plus market on Monday. The signs advertised Zeva soda, Designer Shoe Warehouse and the I Love This City music festival. The top and bottom of each billboard featured 3-inch-high messages inviting viewers to enter a raffle to “win free stuff.” Deli Plus’ owner told a reporter he was not aware of any raffle associated with his store.\u003c/p>\n\u003cdiv id=\"rpuCopySelection\">\n\u003cp>According to Dan Sider, the San Francisco Planning Department advertising specialist, the signs on Deli Plus are illegal. But the owner of those signs and similar billboards throughout the city, Contest Promotions LLC, has claimed that the words “win free stuff” and the raffle that is supposed to be offered inside the deli actually promotes the store’s wares. San Francisco’s billboard ordinance bans only so-called general advertising.\u003c/p>\n\u003cp>Randal Morrison, a San Diego attorney who advises governments on outdoor sign policies, agreed with Sider. The sign \"is a separate business available for rent to anyone who comes to the advertising firm with a check,” Morrison said. “That is in contrast to on-site advertising, which is part of the same business.”\u003c/p>\n\u003cp>Contest Promotions officials did not return two phone messages requesting comment. Like Fuel Outdoor, Contest Promotions has sued San Francisco, claiming the billboard ban violates its First Amendment rights, while continuing to manage billboards the city deems illegal. The litigation is on hold pending settlement talks with the city.\u003c/p>\n\u003cp>Morrison noted that the U.S. Supreme Court has upheld San Diego’s billboard ban, the only time the justices considered a First Amendment challenge to such a law. And he pointed out that San Francisco’s ban already has withstood some key legal challenges.\u003c/p>\n\u003cp>Evan Lee, a constitutional law professor at the UC Hastings College of the Law, added that companies have tried repeatedly – and failed – to limit various types of advertising bans on free-speech grounds.\u003c/p>\n\u003cp>“If San Francisco wants to ban billboards, it can ban billboards,” Lee said.\u003c/p>\n\u003cp>While billboard companies continue their legal battles with the city, another public agency, the Transbay Joint Powers Authority, approved a contract with Fuel Outdoor in April to manage billboards at the temporary bus station downtown. According to agency documents, the company was qualified to bid on the contract because it had more than five years' experience managing signs in an urban setting.\u003c/p>\n\u003cp>“We recognize they weren’t the only company to have challenges under voter-approved Proposition G,” said Adam Alberti, spokesman for the authority, which is overseeing the construction of the new Transbay Transit Center. “We have no opinion about that policy but recognize that the policy had an upsetting effect for the industry.”\u003c/p>\n\u003cp>\u003cem>This story was produced by The Bay Citizen, a project of the Center for Investigative Reporting. Learn more at www.baycitizen.org.\u003c/em>\u003c/p>\n\u003c/div>\n\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Analysis: 7 Reasons to Sit Out Facebook IPO, Including What Shares Are Currently Worth",
"title": "Analysis: 7 Reasons to Sit Out Facebook IPO, Including What Shares Are Currently Worth",
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"content": "\u003cp>\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/facebook-logo2.jpg\">\u003cimg class=\"alignright size-medium wp-image-65491\" title=\"facebook-logo\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/facebook-logo2-300x112.jpg\" alt=\"\" width=\"300\" height=\"112\">\u003c/a>Wow I almost got out of here without doing a post on Facebook. That company's shares, you may have heard, will start trading on Friday in the most anticipated IPO since someone first trotted out the wheel in 8,000 B.C.\u003c/p>\n\u003cp>There may be good reasons to buy Facebook stock besides the fact that a desperate California is counting on taxes generated from the IPO to help cobble together a budget. Facebook set the per-share range at $34 to $38, but yesterday the \u003ca href=\"http://ww2.kqed.org/news/2012/05/15/laos-target-price-for-facebook-45-per-share/\">Legislative Analyst's Office calculated state revenue for the next year assuming a share price of $45\u003c/a> six months out. At least \u003ca href=\"http://www.thestreet.com/quote/FB/details/analyst-ratings.html\">two stock analysts\u003c/a> -- not from the government -- are already \u003ca href=\"http://blogs.wsj.com/deals/2012/05/07/analysts-offer-bullish-views-on-facebook-ahead-of-ipo/\">bullish\u003c/a> on the 'Book, having weighed in with Buy ratings.\u003c/p>\n\u003cp>Sam Hamadeh is not one of them. He's the CEO of PrivCo, an IPO research firm based in New York. His advice: If on Friday you've got your finger on the buy button, take a cold shower or play some \u003ca href=\"http://apps.facebook.com/wordswithfriends/tracks.php?src=community&aff=wwfdotcom&crt=playnow\">Words With Friends\u003c/a> instead. His reasons why in this \u003ca href=\"http://www.kqed.org/news/story/2012/05/16/94242/listen_up_facebook_bulls_a_bear_speaks?category=bay+area\">interview\u003c/a> with KQED's Cy Musiker today...\u003c/p>\n\u003cblockquote>\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: One reason you're bearish: You did an analysis based on the company's 1st quarter results. You noted Facebook is having trouble making money off of advertising on mobile devices. Why is that an issue?\u003c/p>\n\u003caside class=\"pullquote alignleft\">Reasons to sit out the IPO\n\u003col>\n\u003cli>FB doesn't have good way to monetize mobile users yet, and more than half of users access the site that way.\u003c/li>\n\u003cli>FB costs are growing much faster than revenues.\u003c/li>\n\u003cli>Much of FB's growth in users coming from developing nations, which advertisers don't pay to target.\u003c/li>\n\u003cli>FB has been unable to show advertisers a direct translation from ads-viewed to purchases.\u003c/li>\n\u003cli>Increase in insider selling may be worrisome.\u003c/li>\n\u003cli>Most recent tech IPOs have tanked.\u003c/li>\n\u003cli>Current FB valuation should be $25 per share.\u003c/li>\n\u003c/ol>\n\u003c/aside>\n\u003cp>\u003cstrong>PRIVCO'S SAM HAMADEH\u003c/strong>: It's an issue because what we saw in the 1st quarter is that Facebook had its slowest revenue growth rate in its history, and in fact it showed one of the only quarter-to-quarter revenue declines in advertising in Facebook history. Facebook's ad revenue fell from the 4th quarter of 2011 to the 1st quarter of this year.\u003c/p>\n\u003cp>And one of the key reasons is that more and more users are accessing Facebook on mobile devices. Just based on space limitations, mobile devices can't show those seven ads per page that Facebook has been used to. It's a real issue.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: And more than one-half of users logon via smartphones and tablets.\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: That's correct, and as Facebook said in a recent filing late last week the move to mobile is happening much more rapidly and has caught Facebook off-guard. At this time Facebook doesn't have any strong ability to monetize mobile users the same way they do on the website. And so this rapid shift has continued in the 2nd quarter and they don’t see it abating anytime soon, if ever.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: You also raised a red flag in that much of the growth in Facebook users is coming from developing nations…\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong> That's a two-sided coin. On the one hand it represents an opportunity, of course. They're moving into developing markets early, countries like Cambodia, Nigeria, Vietnam. The downside is that those are cost centers for Facebook. Those users still upload photos and videos costing Facebook money to host them -- in fact we saw in the first quarter that Facebook's data server and hosting costs almost doubled from the prior quarter despite revenue growing just under 50%. \u003c!--more-->\u003c/p>\n\u003cp>So costs for Facebook are growing much faster than revenues, and one of the main reasons is that so many of the new users are coming from developing countries, and advertisers just don't pay to target those people at this point, or will any time soon really.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: A poll this week found Facebook users are reluctant to make purchases by clicking on Facebook ads, and GM announced yesterday that it plans to stop spending 10 million dollars on Facebook ads. Is that significant?\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: I can't think of a worse time for GM to make that announcement. To have right before the IPO one of the three biggest advertisers in America come out and say it's cancelling it's entire $10 million advertising spend is embarrassing to Facebook and of course it's concerning. A lot of advertisers look to those big advertisers like GM as sort of leadership to guide them where to spend their money.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: But \u003ca href=\"http://www.clickz.com/clickz/news/2174988/unlike-gm-ford-bullish-facebook-ads\">Ford mocked GM's decision\u003c/a>, and a lot of advertisers are entranced with the way Facebook lets them target their ads so effectively, because users voluntarily reveal so much about themselves.\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: I would say it's a mixed bag. There's no question a lot of advertisers feel like they have to be doing something on Facebook at a minimum, a little bit of spend just for learning. But the problem is that for the most part Facebook has been unable to show a direct translation from ads viewed to actual purchases. At some point they have to come up with more data and metrics the same way Google does and Nielsen does for TV advertising. They have to be able to show direct return on investment to advertisers.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: The \u003ca href=\"http://online.wsj.com/article/SB10001424052702303448404577407774136362662.html\">Wall Street Journal reports\u003c/a> a number of insiders are selling a significant share of their holdings. That includes some Facebook directors. Are they bailing on the company or just taking advantage of a chance for profits?\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: I think it's a combination of things. A good chunk of insider selling is tax-related. Zuckerberg is selling roughly $1 billion of stock into the IPO, but he's using some $900 million of it to pay taxes to California and the federal government. He is pocketing $142 million by PrivCo calculations.\u003c/p>\n\u003cp>But there is a lot of selling going on. It's starting to get to the point where it should be a little bit of a warning sign. At the same time, with demand being there, you can't really blame people for taking money off the table, especially at such a high valuation.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: In regard to recent tech IPOs, like Groupon, Yelp, etc., how well have investors done who have gotten in the first few days or weeks?\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: Except for LinkedIn, which has performed exceedingly well, every other company has performed quite poorly. Every investor who bought Groupon, Zynga, Pandora, etc on the first day of trading has lost money.\u003c/p>\n\u003cp>It's something to keep in mind: Just because a company is a good company doesn't make it a good investment. And I think people really should be cautious at such an expensive valuation for Facebook. You can still like Facebook and the trend it represents without buying it as an investment.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: What would you pay for Facebook shares?\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: PrivCo values it at $25 per share using pretty standard investment-banking-type methodologies. That's the fair value of Facebook stock today. Anything above that now would indicate overvaluation and a reason to sell not buy.\u003c/p>\n\u003cp>It will go to market around $38 and will probably open for trading well above that. Even if you're tempted to buy shares on the first day, use a limit order. At least set an upper limit, whether that's $45 or $50 so that you suddenly don't find yourself buying shares at $100 without realizing it.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: Are there signs of shorting yet?\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: Not a lot of signs of that. It would be a very risky short. If someone were to short, you might want to go long in what's called a pair trade. If you went short on Facebook, you'd go long on another company like a Google or a LinkedIn, without recommending a specific stock, so that if social media goes up, you have a hedge against it.\u003c/p>\u003c/blockquote>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/facebook-logo2.jpg\">\u003cimg class=\"alignright size-medium wp-image-65491\" title=\"facebook-logo\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/facebook-logo2-300x112.jpg\" alt=\"\" width=\"300\" height=\"112\">\u003c/a>Wow I almost got out of here without doing a post on Facebook. That company's shares, you may have heard, will start trading on Friday in the most anticipated IPO since someone first trotted out the wheel in 8,000 B.C.\u003c/p>\n\u003cp>There may be good reasons to buy Facebook stock besides the fact that a desperate California is counting on taxes generated from the IPO to help cobble together a budget. Facebook set the per-share range at $34 to $38, but yesterday the \u003ca href=\"http://ww2.kqed.org/news/2012/05/15/laos-target-price-for-facebook-45-per-share/\">Legislative Analyst's Office calculated state revenue for the next year assuming a share price of $45\u003c/a> six months out. At least \u003ca href=\"http://www.thestreet.com/quote/FB/details/analyst-ratings.html\">two stock analysts\u003c/a> -- not from the government -- are already \u003ca href=\"http://blogs.wsj.com/deals/2012/05/07/analysts-offer-bullish-views-on-facebook-ahead-of-ipo/\">bullish\u003c/a> on the 'Book, having weighed in with Buy ratings.\u003c/p>\n\u003cp>Sam Hamadeh is not one of them. He's the CEO of PrivCo, an IPO research firm based in New York. His advice: If on Friday you've got your finger on the buy button, take a cold shower or play some \u003ca href=\"http://apps.facebook.com/wordswithfriends/tracks.php?src=community&aff=wwfdotcom&crt=playnow\">Words With Friends\u003c/a> instead. His reasons why in this \u003ca href=\"http://www.kqed.org/news/story/2012/05/16/94242/listen_up_facebook_bulls_a_bear_speaks?category=bay+area\">interview\u003c/a> with KQED's Cy Musiker today...\u003c/p>\n\u003cblockquote>\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: One reason you're bearish: You did an analysis based on the company's 1st quarter results. You noted Facebook is having trouble making money off of advertising on mobile devices. Why is that an issue?\u003c/p>\n\u003caside class=\"pullquote alignleft\">Reasons to sit out the IPO\n\u003col>\n\u003cli>FB doesn't have good way to monetize mobile users yet, and more than half of users access the site that way.\u003c/li>\n\u003cli>FB costs are growing much faster than revenues.\u003c/li>\n\u003cli>Much of FB's growth in users coming from developing nations, which advertisers don't pay to target.\u003c/li>\n\u003cli>FB has been unable to show advertisers a direct translation from ads-viewed to purchases.\u003c/li>\n\u003cli>Increase in insider selling may be worrisome.\u003c/li>\n\u003cli>Most recent tech IPOs have tanked.\u003c/li>\n\u003cli>Current FB valuation should be $25 per share.\u003c/li>\n\u003c/ol>\n\u003c/aside>\n\u003cp>\u003cstrong>PRIVCO'S SAM HAMADEH\u003c/strong>: It's an issue because what we saw in the 1st quarter is that Facebook had its slowest revenue growth rate in its history, and in fact it showed one of the only quarter-to-quarter revenue declines in advertising in Facebook history. Facebook's ad revenue fell from the 4th quarter of 2011 to the 1st quarter of this year.\u003c/p>\n\u003cp>And one of the key reasons is that more and more users are accessing Facebook on mobile devices. Just based on space limitations, mobile devices can't show those seven ads per page that Facebook has been used to. It's a real issue.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: And more than one-half of users logon via smartphones and tablets.\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: That's correct, and as Facebook said in a recent filing late last week the move to mobile is happening much more rapidly and has caught Facebook off-guard. At this time Facebook doesn't have any strong ability to monetize mobile users the same way they do on the website. And so this rapid shift has continued in the 2nd quarter and they don’t see it abating anytime soon, if ever.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: You also raised a red flag in that much of the growth in Facebook users is coming from developing nations…\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong> That's a two-sided coin. On the one hand it represents an opportunity, of course. They're moving into developing markets early, countries like Cambodia, Nigeria, Vietnam. The downside is that those are cost centers for Facebook. Those users still upload photos and videos costing Facebook money to host them -- in fact we saw in the first quarter that Facebook's data server and hosting costs almost doubled from the prior quarter despite revenue growing just under 50%. \u003c!--more-->\u003c/p>\n\u003cp>So costs for Facebook are growing much faster than revenues, and one of the main reasons is that so many of the new users are coming from developing countries, and advertisers just don't pay to target those people at this point, or will any time soon really.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: A poll this week found Facebook users are reluctant to make purchases by clicking on Facebook ads, and GM announced yesterday that it plans to stop spending 10 million dollars on Facebook ads. Is that significant?\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: I can't think of a worse time for GM to make that announcement. To have right before the IPO one of the three biggest advertisers in America come out and say it's cancelling it's entire $10 million advertising spend is embarrassing to Facebook and of course it's concerning. A lot of advertisers look to those big advertisers like GM as sort of leadership to guide them where to spend their money.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: But \u003ca href=\"http://www.clickz.com/clickz/news/2174988/unlike-gm-ford-bullish-facebook-ads\">Ford mocked GM's decision\u003c/a>, and a lot of advertisers are entranced with the way Facebook lets them target their ads so effectively, because users voluntarily reveal so much about themselves.\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: I would say it's a mixed bag. There's no question a lot of advertisers feel like they have to be doing something on Facebook at a minimum, a little bit of spend just for learning. But the problem is that for the most part Facebook has been unable to show a direct translation from ads viewed to actual purchases. At some point they have to come up with more data and metrics the same way Google does and Nielsen does for TV advertising. They have to be able to show direct return on investment to advertisers.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: The \u003ca href=\"http://online.wsj.com/article/SB10001424052702303448404577407774136362662.html\">Wall Street Journal reports\u003c/a> a number of insiders are selling a significant share of their holdings. That includes some Facebook directors. Are they bailing on the company or just taking advantage of a chance for profits?\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: I think it's a combination of things. A good chunk of insider selling is tax-related. Zuckerberg is selling roughly $1 billion of stock into the IPO, but he's using some $900 million of it to pay taxes to California and the federal government. He is pocketing $142 million by PrivCo calculations.\u003c/p>\n\u003cp>But there is a lot of selling going on. It's starting to get to the point where it should be a little bit of a warning sign. At the same time, with demand being there, you can't really blame people for taking money off the table, especially at such a high valuation.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: In regard to recent tech IPOs, like Groupon, Yelp, etc., how well have investors done who have gotten in the first few days or weeks?\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: Except for LinkedIn, which has performed exceedingly well, every other company has performed quite poorly. Every investor who bought Groupon, Zynga, Pandora, etc on the first day of trading has lost money.\u003c/p>\n\u003cp>It's something to keep in mind: Just because a company is a good company doesn't make it a good investment. And I think people really should be cautious at such an expensive valuation for Facebook. You can still like Facebook and the trend it represents without buying it as an investment.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: What would you pay for Facebook shares?\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: PrivCo values it at $25 per share using pretty standard investment-banking-type methodologies. That's the fair value of Facebook stock today. Anything above that now would indicate overvaluation and a reason to sell not buy.\u003c/p>\n\u003cp>It will go to market around $38 and will probably open for trading well above that. Even if you're tempted to buy shares on the first day, use a limit order. At least set an upper limit, whether that's $45 or $50 so that you suddenly don't find yourself buying shares at $100 without realizing it.\u003c/p>\n\u003cp>\u003cstrong>CY MUSIKER\u003c/strong>: Are there signs of shorting yet?\u003c/p>\n\u003cp>\u003cstrong>SAM HAMADEH\u003c/strong>: Not a lot of signs of that. It would be a very risky short. If someone were to short, you might want to go long in what's called a pair trade. If you went short on Facebook, you'd go long on another company like a Google or a LinkedIn, without recommending a specific stock, so that if social media goes up, you have a hedge against it.\u003c/p>\u003c/blockquote>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/facebook-logo1.jpg\">\u003cimg src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/facebook-logo1-300x112.jpg\" alt=\"\" title=\"facebook-logo\" width=\"300\" height=\"112\" class=\"alignright size-medium wp-image-65381\">\u003c/a>\u003ca href=\"https://www.google.com/search?q=facebook+ipo\">Speaking of the Big Facebook Bang\u003c/a>, the California Legislative Analyst's Office \u003ca href=\"http://www.lao.ca.gov/laoapp/budgetlist/PublicSearch.aspx?Yr=2012&KeyCol=596\">upped the estimate of the amount California will reap from the company going public\u003c/a>. The LAO puts the figure at $2.1 billion over the next 13 months if Governor Brown's tax plan passes in November. Without the higher tax rates, the amount falls to $1.6 billion. The governor's May budget revise assumed just $1.9 billion in Facebook revenue with the higher tax rates, and $1.4 billion under the current system. \u003c/p>\n\u003cp>The LAO calculated its totals by assuming a $38 IPO share price, rising to $45 in six months.\u003c/p>\n\u003cp>Facebook today \u003ca href=\"http://news.yahoo.com/facebook-ipo-bring-cash-change-025946510.html\">raised its IPO price\u003c/a> to between $34 to $38 per share, up from $28 to $35. Shares start trading on the Nasdaq on Friday, under the ticker symbol \u003cdel datetime=\"2012-05-15T22:54:58+00:00\">ZUCK\u003c/del> (Ha ha; the symbol is FB.)\u003c/p>\n\u003cp>\"The Facebook IPO is a really large set of financial transactions, and a large portion of the beneficiaries of those transactions live and work in California where Facebook is headquartered,\" Jason Sisney of the LAO's office told KQED's Peter Jon Shuler today. \"And so for the state of California that means these transactions will generate significant personal income tax revenues in the next few months. They will be a lot more if the share price climbs rapidly and stays there...and if more of those Facebook insiders are California taxpayers. We don't know for sure how many of them are, and we don't know for sure how many of them will undertake stock transactions related to the IPO. But we know enough from the filings to know the state revenue impact is going to be substantial. The key question is how big.\" \u003c!--more-->\u003c/p>\n\u003cp>Sisney said the most important factor determining the amount flowing into state coffers is what the share price is about six months from now, when a large volume of \u003ca href=\"https://scs.fidelity.com/webxpress/help/topics/learn_rsus.shtml\">restricted stock units\u003c/a> become exercisable. \"Those are likely to generate the bulk of the taxable income that would produce state revenues in the next year,\" Sisney said. \u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Sisney also said that under certain scenarios, the state's take could be $1-2 billion dollars greater. \"If the share price were higher or if there were a lot more transactions by Californians than we guessed in this estimate,\" he said.\u003c/p>\n\u003cp>Hmmm, sounds a little like a CNBC analyst, \u003ca href=\"http://en.wikipedia.org/wiki/Dot-com_bubble\">circa 1999\u003c/a>. \u003c/p>\n\u003cp>Meanwhile, the general public is not quite so Facebook bullish. \u003ca href=\"http://www.marketplace.org/topics/business/many-americans-view-facebook-fad\">Marketplace reports\u003c/a>...\u003c/p>\n\u003cp>\u003ciframe src=\"http://www.marketplace.org/node/54342/player/storyplayer\" width=\"650\" height=\"200\" scrolling=\"no\">\u003c/iframe>\u003c/p>\n\u003cp>\u003cstrong>Update 4:15 p.m\u003c/strong>: \u003ca href=\"http://www.marketplace.org/topics/business/facebook-gets-pricier-some-pros-skip-ipo\">And some stock pros as well\u003c/a>...\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003ciframe src=\"http://www.marketplace.org/node/54355/player/storyplayer\" width=\"650\" height=\"200\" scrolling=\"no\">\u003c/iframe>\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/facebook-logo1.jpg\">\u003cimg src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/facebook-logo1-300x112.jpg\" alt=\"\" title=\"facebook-logo\" width=\"300\" height=\"112\" class=\"alignright size-medium wp-image-65381\">\u003c/a>\u003ca href=\"https://www.google.com/search?q=facebook+ipo\">Speaking of the Big Facebook Bang\u003c/a>, the California Legislative Analyst's Office \u003ca href=\"http://www.lao.ca.gov/laoapp/budgetlist/PublicSearch.aspx?Yr=2012&KeyCol=596\">upped the estimate of the amount California will reap from the company going public\u003c/a>. The LAO puts the figure at $2.1 billion over the next 13 months if Governor Brown's tax plan passes in November. Without the higher tax rates, the amount falls to $1.6 billion. The governor's May budget revise assumed just $1.9 billion in Facebook revenue with the higher tax rates, and $1.4 billion under the current system. \u003c/p>\n\u003cp>The LAO calculated its totals by assuming a $38 IPO share price, rising to $45 in six months.\u003c/p>\n\u003cp>Facebook today \u003ca href=\"http://news.yahoo.com/facebook-ipo-bring-cash-change-025946510.html\">raised its IPO price\u003c/a> to between $34 to $38 per share, up from $28 to $35. Shares start trading on the Nasdaq on Friday, under the ticker symbol \u003cdel datetime=\"2012-05-15T22:54:58+00:00\">ZUCK\u003c/del> (Ha ha; the symbol is FB.)\u003c/p>\n\u003cp>\"The Facebook IPO is a really large set of financial transactions, and a large portion of the beneficiaries of those transactions live and work in California where Facebook is headquartered,\" Jason Sisney of the LAO's office told KQED's Peter Jon Shuler today. \"And so for the state of California that means these transactions will generate significant personal income tax revenues in the next few months. They will be a lot more if the share price climbs rapidly and stays there...and if more of those Facebook insiders are California taxpayers. We don't know for sure how many of them are, and we don't know for sure how many of them will undertake stock transactions related to the IPO. But we know enough from the filings to know the state revenue impact is going to be substantial. The key question is how big.\" \u003c!--more-->\u003c/p>\n\u003cp>Sisney said the most important factor determining the amount flowing into state coffers is what the share price is about six months from now, when a large volume of \u003ca href=\"https://scs.fidelity.com/webxpress/help/topics/learn_rsus.shtml\">restricted stock units\u003c/a> become exercisable. \"Those are likely to generate the bulk of the taxable income that would produce state revenues in the next year,\" Sisney said. \u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Sisney also said that under certain scenarios, the state's take could be $1-2 billion dollars greater. \"If the share price were higher or if there were a lot more transactions by Californians than we guessed in this estimate,\" he said.\u003c/p>\n\u003cp>Hmmm, sounds a little like a CNBC analyst, \u003ca href=\"http://en.wikipedia.org/wiki/Dot-com_bubble\">circa 1999\u003c/a>. \u003c/p>\n\u003cp>Meanwhile, the general public is not quite so Facebook bullish. \u003ca href=\"http://www.marketplace.org/topics/business/many-americans-view-facebook-fad\">Marketplace reports\u003c/a>...\u003c/p>\n\u003cp>\u003ciframe src=\"http://www.marketplace.org/node/54342/player/storyplayer\" width=\"650\" height=\"200\" scrolling=\"no\">\u003c/iframe>\u003c/p>\n\u003cp>\u003cstrong>Update 4:15 p.m\u003c/strong>: \u003ca href=\"http://www.marketplace.org/topics/business/facebook-gets-pricier-some-pros-skip-ipo\">And some stock pros as well\u003c/a>...\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003ciframe src=\"http://www.marketplace.org/node/54355/player/storyplayer\" width=\"650\" height=\"200\" scrolling=\"no\">\u003c/iframe>\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>Believe it or not, there's going to come a time when you would rather read \"The Wit and Wisdom of the Octomom\" than hear another word about Facebook. However, that moment (\u003ca href=\"https://www.google.com/search?q=facebook+ipo&ie=utf-8&oe=utf-8&aq=t&rls=org.mozilla:en-US:official&client=firefox-a#q=facebook+ipo&hl=en&client=firefox-a&hs=Yy4&rls=org.mozilla:en-US:official&prmd=imvnsu&source=lnms&tbm=nws&ei=Ib6yT-KwLcSQiALR4eSJBA&sa=X&oi=mode_link&ct=mode&cd=5&ved=0CBYQ_AUoBA&bav=on.2,or.r_gc.r_pw.r_cp.r_qf.,cf.osb&fp=a88c44b09619a7a0&biw=1231&bih=496\">this Friday about 9:31 a.m. EDT\u003c/a>) has not yet come. \u003c/p>\n\u003cp>So here...\u003c/p>\n\u003cdiv style=\"text-align: center\">\u003ciframe width=\"480\" height=\"274\" src=\"http://www.youtube.com/embed/2_hkk6lFTb4\" frameborder=\"0\">\u003c/iframe>\u003c/div>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n",
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"content": "\u003caside class=\"pullquote alignleft\">\u003ca href=\"http://calchannel.granicus.com/MediaPlayer.php?view_id=7&clip_id=348\">\u003cstrong>Watch yesterday’s hearing on the bills, Pt 1\u003c/strong>\u003c/a> and \u003ca href=\"http://calchannel.granicus.com/MediaPlayer.php?view_id=7&clip_id=350\">\u003cstrong>Pt 2\u003c/strong>\u003c/a>\u003cbr>\n\u003c/aside>\n\u003cp>On Feb 29, with much fanfare, California Attorney General Kamala Harris, along with Senate President pro Tem Darrell Steinberg and Assembly Speaker John A. Pérez, \u003ca href=\"http://oag.ca.gov/news/press_release?id=2641\">unveiled a “California Homeowner Bill of Rights,”\u003c/a> a package of six bills designed to ease the pain of homeowners caught in the state’s foreclosure crisis. \u003c/p>\n\u003cp>The six bills would require more rigorous documentation on the part of banks when foreclosing on properties; prohibit foreclosure when the homeowner has filed for a loan modification; impose a fee on lenders every time they file a notice of default; and in general do a lot of other stuff that no self-respecting financial leviathan would ever swallow without an army of lobbyists going to code red. \u003c/p>\n\u003caside class=\"pullquote alignleft\">The bills, so far, have run into the most familiar of legislative hurdles: powerful lobbyists.\u003cbr>\n–John Myers, Political Editor, News10 Sacramento\u003c/aside>\n\u003cp>Still, a casual observer may have thought that with the backing of a rising Democratic star like Kamala Harris, plus the leadership of a Democratic caucus enjoying a large majority, taking on the banks — nobody’s favorite industry, these days — would be a slam dunk. \u003c/p>\n\u003cp>As it turned out, more of an airball. Last month, as Harris was scheduled to testify before the California Assembly’s Senate Banking and Finance Committee, two of the bills were pulled by committee chairman Mike Eng of Monterey Park — a Democrat. Since then, in hopes of rescuing the plan, the leadership shuffled the package to a joint conference committee, which held hearings this afternoon. \u003c/p>\n\u003cp>Yesterday, to find out just what the hell happened, I turned to John Myers, \u003ca href=\"http://www.news10.net/capitol/\">Political Editor at News10 in Sacramento\u003c/a> and our former colleague here at KQED. Here’s his take: \u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cblockquote>\n\u003cp>\u003cstrong>JON BROOKS\u003c/strong>: So here you had a Democratic Attorney General, a big Democratic majority in both houses, and an issue that would seem to be can’t-miss with the public — holding the banks more accountable during the foreclosure process. So what happened?\u003c/p>\n\u003cp>\u003cstrong>JOHN MYERS, NEWS 10 POLITICAL EDITOR\u003c/strong>: The bills, so far, have run into the most familiar of legislative hurdles: powerful lobbyists. The banking industry is a brawny fighter in Sacramento’s inside political game, and it’s pushed back in a big way on these bills — bills pushed not only by Harris, but also by Assembly Speaker John Perez and Senate President pro Tem Darrell Steinberg.\u003c/p>\n\u003cp>\u003cstrong>JON BROOKS\u003c/strong>: What was the big impediment to passing the bills? \u003c/p>\n\u003cp>\u003cstrong>JOHN MYERS\u003c/strong>: The major sticking point seems to be the banking industry’s assertion that the mortgage crisis was a one-time thing and thus permanent new rules (some which would codify the national settlement Harris helped negotiate) are an overreaction. A number of moderate, business-friendly Democrats in both houses seemed sympathetic to the banking industry’s position.\u003c/p>\n\u003cp>\u003cstrong>JON BROOKS\u003c/strong>: Any indications by Harris on a willingness to compromise? And how bad does it look for her that she announced the thing with such fanfare and then couldn’t get it done? \u003c/p>\n\u003cp>\u003cstrong>JOHN MYERS\u003c/strong>: Today’s hearing will be the first test since last month’s abrupt switch by Democratic leaders to a plan B strategy. I think the last few weeks have been eye-opening for Harris, whose experience is the courtroom and the settlement table…not the Capitol. I saw her before last month’s hearing, camped out in the hallway with staff trying to count votes. The roadblock seemed to surprise her.\u003c/p>\n\u003cp>\u003cstrong>JON BROOKS\u003c/strong> What’s the outlook now? \u003c/p>\n\u003cp>\u003cstrong>JOHN MYERS\u003c/strong>:The bills were rescued by Perez and Steinberg by placing them in a joint conference committee. That way, there’s only one step (one committee) before floor votes, versus multiple committee votes where they could be picked off, one by one.\u003c/p>\n\u003cp>\u003cstrong>JON BROOKS\u003c/strong>: And how bad would this look for Democrats that they can’t get this passed? \u003c/p>\n\u003cp>\u003cstrong>JOHN MYERS\u003c/strong> There’s still a lot of time left before the Legislature adjourns in August, so never say never. The real question is whether the package of bills — bans on robosigning, forcing more transparency during foreclosure, etc — will be amended as a concession to the financial industry, and whether amended bills are better than no bills.\u003c/p>\u003c/blockquote>\n\u003cp>Below is an \u003ca href=\"http://www.couragecampaign.org/page/s/what-legalized-bribery-looks-like\">ad by the Courage Campaign\u003c/a> that attempts to put pressure on Assemblyman Felipe Fuentes, a Sylmar Democrat, to vote for the bills. Fuentes told the Sacramento Bee, for an \u003ca href=\"http://www.sacbee.com/2012/05/07/4470589/mortgage-legislation-splits-california.html\">article about how the issue has split Democrats\u003c/a>, that he was “disappointed that they misconstrued and outright lied” in the video. The Bee writes…\u003c/p>\n\u003cblockquote>\u003cp>Rick Jacobs, founder and chairman of the Courage Campaign, said his organization took down the video, but posted it again after Fuentes didn’t say whether he’ll vote for the regulatory changes.\u003c/p>\u003c/blockquote>\n\u003cdiv style=\"text-align: center\">\n\u003ciframe loading=\"lazy\" src=\"http://player.vimeo.com/video/41474387\" width=\"400\" height=\"300\" frameborder=\"0\">\u003c/iframe>\u003c/div>\n\u003cp>\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>And here’s what the California Bankers Association has to say about the whole thing: \u003c/p>\n\u003cblockquote>\u003cp>The CBA wishes to reconfirm its willingness to participate in the debate regarding four legislative measures promoted by California Attorney General Kamala Harris, dealing with dual-tracking (AB 1602/SB 1470), single point of contact and “robo-signing” (AB 2425/SB 1471). We are, however, concerned with the avoidance of the typical legislative process that would involve policy and fiscal committee hearings, as well as floor debates throughout the legislative year, which ends in August.\u003c/p>\n\u003cp>“Despite public declaration of the desire to produce a legislative product within a ‘few weeks’, we encourage the committee to give full and complete consideration to the importance of these issues and deliberate methodically. These issues and the people of California deserve thoughtful discourse given the consequences if done incorrectly.\u003c/p>\n\u003cp>“We strongly believe that in promoting these measures in advance of national servicing standards the Consumer Financial Protection Bureau (CFPB) intends to release this summer with an effective date of Jan. 1, 2013, California risks setting itself apart from the rest of the nation to the detriment of future borrowers. We intend to be an active participant in the conference committee process, but we strongly feel that the most problematic areas of the legislation, outlined below, must be addressed and resolved before the committee refers any bill to a full vote of the Legislature. We believe the elements of a reasonable solution include:\u003c/p>\n\u003cp>-Non-approval notice provided to borrower detailing reason for non-approval of loan modification or foreclosure avoidance post-notice of default, but prior to the notice of sale (NOS). Consideration of a loan modification is contingent upon the receipt of a complete loan modification application from the borrower prior to the NOS.\u003c/p>\n\u003cp>-Language that there is no right to a loan modification and no corresponding California legal requirement to offer a modification or have a modification program.\u003c/p>\n\u003cp>-Eligibility qualifiers. The current measures fail to narrowly target at-risk borrowers. Legislation should apply only to residential 1-4 properties that are owner occupied and serve as the primary residence of the borrower. No investors, speculators or strategic defaulters.\u003c/p>\n\u003cp>-Consistent point of contact, who serves as the primary contact, provided at the request of a borrower who is potentially eligible for loss mitigation.\u003c/p>\n\u003cp>-Language that acknowledges and allows for CFPB federal servicing standards (to be promulgated this summer), enforcement orders or settlements to override state law.\u003c/p>\n\u003cp>-No private right of action. Legal devices should not be used to unduly delay the inevitable when other foreclosure avoidance options have been exhausted.\u003c/p>\n\u003cp>-Provide a right to cure upon notice without court intervention.\u003c/p>\n\u003cp>-Exemption for mortgage servicers who signed, or subsequently sign, the national mortgage settlement.\u003c/p>\n\u003cp>-Sunset date to coincide with the end of the national mortgage settlement (3½ years from the date entered into.)\u003c/p>\n\u003cp>“California’s banking industry will continue to seek and advocate for reasonable solutions that provide meaningful consumer protections that avoid long-term damage to the marketplace, cause industry to exit residential lending and increase the cost of credit. We look forward to the upcoming debate and discussion.”\u003c/p>\u003c/blockquote>\n\n\n",
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"title": "How Did the Democrats Manage Not to Pass Foreclosure Reform?; Watch Thursday's Legislative Hearing | KQED",
"description": "Watch yesterday's hearing on the bills, Pt 1 and Pt 2 On Feb 29, with much fanfare, California Attorney General Kamala Harris, along with Senate President pro Tem Darrell Steinberg and Assembly Speaker John A. Pérez, unveiled a "California Homeowner Bill of Rights," a package of six bills designed to ease the pain of homeowners caught in the state's foreclosure crisis. The six bills would require more rigorous documentation on the part of banks when foreclosing on properties; prohibit foreclosure when the homeowner has filed for a loan modification; impose a fee on lenders every time they file a notice",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003caside class=\"pullquote alignleft\">\u003ca href=\"http://calchannel.granicus.com/MediaPlayer.php?view_id=7&clip_id=348\">\u003cstrong>Watch yesterday’s hearing on the bills, Pt 1\u003c/strong>\u003c/a> and \u003ca href=\"http://calchannel.granicus.com/MediaPlayer.php?view_id=7&clip_id=350\">\u003cstrong>Pt 2\u003c/strong>\u003c/a>\u003cbr>\n\u003c/aside>\n\u003cp>On Feb 29, with much fanfare, California Attorney General Kamala Harris, along with Senate President pro Tem Darrell Steinberg and Assembly Speaker John A. Pérez, \u003ca href=\"http://oag.ca.gov/news/press_release?id=2641\">unveiled a “California Homeowner Bill of Rights,”\u003c/a> a package of six bills designed to ease the pain of homeowners caught in the state’s foreclosure crisis. \u003c/p>\n\u003cp>The six bills would require more rigorous documentation on the part of banks when foreclosing on properties; prohibit foreclosure when the homeowner has filed for a loan modification; impose a fee on lenders every time they file a notice of default; and in general do a lot of other stuff that no self-respecting financial leviathan would ever swallow without an army of lobbyists going to code red. \u003c/p>\n\u003caside class=\"pullquote alignleft\">The bills, so far, have run into the most familiar of legislative hurdles: powerful lobbyists.\u003cbr>\n–John Myers, Political Editor, News10 Sacramento\u003c/aside>\n\u003cp>Still, a casual observer may have thought that with the backing of a rising Democratic star like Kamala Harris, plus the leadership of a Democratic caucus enjoying a large majority, taking on the banks — nobody’s favorite industry, these days — would be a slam dunk. \u003c/p>\n\u003cp>As it turned out, more of an airball. Last month, as Harris was scheduled to testify before the California Assembly’s Senate Banking and Finance Committee, two of the bills were pulled by committee chairman Mike Eng of Monterey Park — a Democrat. Since then, in hopes of rescuing the plan, the leadership shuffled the package to a joint conference committee, which held hearings this afternoon. \u003c/p>\n\u003cp>Yesterday, to find out just what the hell happened, I turned to John Myers, \u003ca href=\"http://www.news10.net/capitol/\">Political Editor at News10 in Sacramento\u003c/a> and our former colleague here at KQED. Here’s his take: \u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cblockquote>\n\u003cp>\u003cstrong>JON BROOKS\u003c/strong>: So here you had a Democratic Attorney General, a big Democratic majority in both houses, and an issue that would seem to be can’t-miss with the public — holding the banks more accountable during the foreclosure process. So what happened?\u003c/p>\n\u003cp>\u003cstrong>JOHN MYERS, NEWS 10 POLITICAL EDITOR\u003c/strong>: The bills, so far, have run into the most familiar of legislative hurdles: powerful lobbyists. The banking industry is a brawny fighter in Sacramento’s inside political game, and it’s pushed back in a big way on these bills — bills pushed not only by Harris, but also by Assembly Speaker John Perez and Senate President pro Tem Darrell Steinberg.\u003c/p>\n\u003cp>\u003cstrong>JON BROOKS\u003c/strong>: What was the big impediment to passing the bills? \u003c/p>\n\u003cp>\u003cstrong>JOHN MYERS\u003c/strong>: The major sticking point seems to be the banking industry’s assertion that the mortgage crisis was a one-time thing and thus permanent new rules (some which would codify the national settlement Harris helped negotiate) are an overreaction. A number of moderate, business-friendly Democrats in both houses seemed sympathetic to the banking industry’s position.\u003c/p>\n\u003cp>\u003cstrong>JON BROOKS\u003c/strong>: Any indications by Harris on a willingness to compromise? And how bad does it look for her that she announced the thing with such fanfare and then couldn’t get it done? \u003c/p>\n\u003cp>\u003cstrong>JOHN MYERS\u003c/strong>: Today’s hearing will be the first test since last month’s abrupt switch by Democratic leaders to a plan B strategy. I think the last few weeks have been eye-opening for Harris, whose experience is the courtroom and the settlement table…not the Capitol. I saw her before last month’s hearing, camped out in the hallway with staff trying to count votes. The roadblock seemed to surprise her.\u003c/p>\n\u003cp>\u003cstrong>JON BROOKS\u003c/strong> What’s the outlook now? \u003c/p>\n\u003cp>\u003cstrong>JOHN MYERS\u003c/strong>:The bills were rescued by Perez and Steinberg by placing them in a joint conference committee. That way, there’s only one step (one committee) before floor votes, versus multiple committee votes where they could be picked off, one by one.\u003c/p>\n\u003cp>\u003cstrong>JON BROOKS\u003c/strong>: And how bad would this look for Democrats that they can’t get this passed? \u003c/p>\n\u003cp>\u003cstrong>JOHN MYERS\u003c/strong> There’s still a lot of time left before the Legislature adjourns in August, so never say never. The real question is whether the package of bills — bans on robosigning, forcing more transparency during foreclosure, etc — will be amended as a concession to the financial industry, and whether amended bills are better than no bills.\u003c/p>\u003c/blockquote>\n\u003cp>Below is an \u003ca href=\"http://www.couragecampaign.org/page/s/what-legalized-bribery-looks-like\">ad by the Courage Campaign\u003c/a> that attempts to put pressure on Assemblyman Felipe Fuentes, a Sylmar Democrat, to vote for the bills. Fuentes told the Sacramento Bee, for an \u003ca href=\"http://www.sacbee.com/2012/05/07/4470589/mortgage-legislation-splits-california.html\">article about how the issue has split Democrats\u003c/a>, that he was “disappointed that they misconstrued and outright lied” in the video. The Bee writes…\u003c/p>\n\u003cblockquote>\u003cp>Rick Jacobs, founder and chairman of the Courage Campaign, said his organization took down the video, but posted it again after Fuentes didn’t say whether he’ll vote for the regulatory changes.\u003c/p>\u003c/blockquote>\n\u003cdiv style=\"text-align: center\">\n\u003ciframe loading=\"lazy\" src=\"http://player.vimeo.com/video/41474387\" width=\"400\" height=\"300\" frameborder=\"0\">\u003c/iframe>\u003c/div>\n\u003cp>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>And here’s what the California Bankers Association has to say about the whole thing: \u003c/p>\n\u003cblockquote>\u003cp>The CBA wishes to reconfirm its willingness to participate in the debate regarding four legislative measures promoted by California Attorney General Kamala Harris, dealing with dual-tracking (AB 1602/SB 1470), single point of contact and “robo-signing” (AB 2425/SB 1471). We are, however, concerned with the avoidance of the typical legislative process that would involve policy and fiscal committee hearings, as well as floor debates throughout the legislative year, which ends in August.\u003c/p>\n\u003cp>“Despite public declaration of the desire to produce a legislative product within a ‘few weeks’, we encourage the committee to give full and complete consideration to the importance of these issues and deliberate methodically. These issues and the people of California deserve thoughtful discourse given the consequences if done incorrectly.\u003c/p>\n\u003cp>“We strongly believe that in promoting these measures in advance of national servicing standards the Consumer Financial Protection Bureau (CFPB) intends to release this summer with an effective date of Jan. 1, 2013, California risks setting itself apart from the rest of the nation to the detriment of future borrowers. We intend to be an active participant in the conference committee process, but we strongly feel that the most problematic areas of the legislation, outlined below, must be addressed and resolved before the committee refers any bill to a full vote of the Legislature. We believe the elements of a reasonable solution include:\u003c/p>\n\u003cp>-Non-approval notice provided to borrower detailing reason for non-approval of loan modification or foreclosure avoidance post-notice of default, but prior to the notice of sale (NOS). Consideration of a loan modification is contingent upon the receipt of a complete loan modification application from the borrower prior to the NOS.\u003c/p>\n\u003cp>-Language that there is no right to a loan modification and no corresponding California legal requirement to offer a modification or have a modification program.\u003c/p>\n\u003cp>-Eligibility qualifiers. The current measures fail to narrowly target at-risk borrowers. Legislation should apply only to residential 1-4 properties that are owner occupied and serve as the primary residence of the borrower. No investors, speculators or strategic defaulters.\u003c/p>\n\u003cp>-Consistent point of contact, who serves as the primary contact, provided at the request of a borrower who is potentially eligible for loss mitigation.\u003c/p>\n\u003cp>-Language that acknowledges and allows for CFPB federal servicing standards (to be promulgated this summer), enforcement orders or settlements to override state law.\u003c/p>\n\u003cp>-No private right of action. Legal devices should not be used to unduly delay the inevitable when other foreclosure avoidance options have been exhausted.\u003c/p>\n\u003cp>-Provide a right to cure upon notice without court intervention.\u003c/p>\n\u003cp>-Exemption for mortgage servicers who signed, or subsequently sign, the national mortgage settlement.\u003c/p>\n\u003cp>-Sunset date to coincide with the end of the national mortgage settlement (3½ years from the date entered into.)\u003c/p>\n\u003cp>“California’s banking industry will continue to seek and advocate for reasonable solutions that provide meaningful consumer protections that avoid long-term damage to the marketplace, cause industry to exit residential lending and increase the cost of credit. We look forward to the upcoming debate and discussion.”\u003c/p>\u003c/blockquote>\n\n\n\u003c/div>\u003c/p>",
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"title": "FDA Panel EndorsesTruvada to Prevent HIV Infection in Healthy People",
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"headTitle": "FDA Panel EndorsesTruvada to Prevent HIV Infection in Healthy People | KQED",
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"content": "\u003cp>From AP: \u003c/p>\n\u003cblockquote>\n\u003cfigure id=\"attachment_65041\" class=\"wp-caption alignright\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/truvada.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/truvada.jpg\" alt=\"\" title=\"truvada\" width=\"300\" height=\"202\" class=\"size-full wp-image-65041\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Bottles of antiretroviral drug Truvada are shown at Jack's Pharmacy on November 23, 2010 in San Anselmo, California. (Justin Sullivan/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>A panel of federal health advisers has endorsed the first drug shown to prevent HIV infection in healthy people, clearing the way for a potentially landmark approval in the 30-year-old effort against the virus that causes AIDS.\u003c/p>\n\u003cp>In a series of votes, the Food and Drug Administration advisory panel recommended approval of the daily pill Truvada for healthy people who are at high risk of contracting HIV, including gay and bisexual men and heterosexual couples with one HIV-infected person. The FDA is not required to follow the panel’s advice, though it usually does. A final decision is expected by June 15.\u003c/p>\n\u003cp>Drugmaker Gilead Sciences Inc., of Foster City, already markets Truvada as a treatment for people who are infected with HIV.\u003c/p>\u003c/blockquote>\n\u003cp>Last July, I interviewed Dr. Paul Volberding, co-director of the Center for AIDS Research at the University of California, San Francisco, about the research into Truvada up to that time. He said results showed “the kind of effect we might expect from a very good vaccine.” We also discussed what populations might consider using Truvada as a prophylactic and whether giving healthy people a preventative drug might induce them to engage in riskier sexual activity. \u003c/p>\n\u003cp>\u003ca href=\"http://ww2.kqed.org/news/2011/07/15/interview-new-studies-show-anti-hiv-drug-prevents-transmission/\">\u003cstrong>Read or listen to the interview here\u003c/strong>\u003c/a>. \u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n",
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"description": "From AP: A panel of federal health advisers has endorsed the first drug shown to prevent HIV infection in healthy people, clearing the way for a potentially landmark approval in the 30-year-old effort against the virus that causes AIDS. In a series of votes, the Food and Drug Administration advisory panel recommended approval of the daily pill Truvada for healthy people who are at high risk of contracting HIV, including gay and bisexual men and heterosexual couples with one HIV-infected person. The FDA is not required to follow the panel's advice, though it usually does. A final decision is expected",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>From AP: \u003c/p>\n\u003cblockquote>\n\u003cfigure id=\"attachment_65041\" class=\"wp-caption alignright\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/truvada.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2012/05/truvada.jpg\" alt=\"\" title=\"truvada\" width=\"300\" height=\"202\" class=\"size-full wp-image-65041\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Bottles of antiretroviral drug Truvada are shown at Jack's Pharmacy on November 23, 2010 in San Anselmo, California. (Justin Sullivan/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>A panel of federal health advisers has endorsed the first drug shown to prevent HIV infection in healthy people, clearing the way for a potentially landmark approval in the 30-year-old effort against the virus that causes AIDS.\u003c/p>\n\u003cp>In a series of votes, the Food and Drug Administration advisory panel recommended approval of the daily pill Truvada for healthy people who are at high risk of contracting HIV, including gay and bisexual men and heterosexual couples with one HIV-infected person. The FDA is not required to follow the panel’s advice, though it usually does. A final decision is expected by June 15.\u003c/p>\n\u003cp>Drugmaker Gilead Sciences Inc., of Foster City, already markets Truvada as a treatment for people who are infected with HIV.\u003c/p>\u003c/blockquote>\n\u003cp>Last July, I interviewed Dr. Paul Volberding, co-director of the Center for AIDS Research at the University of California, San Francisco, about the research into Truvada up to that time. He said results showed “the kind of effect we might expect from a very good vaccine.” We also discussed what populations might consider using Truvada as a prophylactic and whether giving healthy people a preventative drug might induce them to engage in riskier sexual activity. \u003c/p>\n\u003cp>\u003ca href=\"http://ww2.kqed.org/news/2011/07/15/interview-new-studies-show-anti-hiv-drug-prevents-transmission/\">\u003cstrong>Read or listen to the interview here\u003c/strong>\u003c/a>. \u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"info": "Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.",
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"tagline": "Art is where you find it",
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"soldout": {
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