Infos for : Mortgages |
Knowing Your Computer: Types of MemoryAll computers require memory to operate. The main computer memory is Random Access Memory, or RAM for short. It is called this because the data contained in it can be accessed in any, or random, order. It is produced on small circuit boards in the form of sticks, which are often referred to as sticks of memory. Information is stored in the memory as it awaits being processed by the central processing unit, or CPU. It is essential to have the right type and speed of memory to ensure your system is operating optimally. The main type of memory used today in desktop computer systems is Synchronous Dynamic RAM (SDRAM). With in the past several years, Double Data Rate SDRAM (DDR SDRAM, or simply DDR) has become the standard for most systems, with older memory now being referred to as Single Data Rate (SDR SDRAM). Occasionally, systems use Rambus Dynamic RAM (RDRAM) or DDR2 RAM, which are slightly different and are outside of the scope of this article. SDRAM is different from other forms of asynchronous memory because it waits for each clock, or computing cycle, before it responds to inputs. These clocks happen very fast in computers (millions of times a second) but still the speed of the memory is ultimately limited by the computer bus. This is the wiring on the main- or motherboard in the system that connects all the components. The processor and memory can both handle high clock speeds, but if the speed of the system bus is low, they will be limited by the lowest speed. It is important that they all operate at similar speeds to operate most efficiently. For example, SDR SDRAM comes in PC66, PC100 and PC133; these numbers refer to the clock speed of the RAM in megahertz (a million cycles a second): 66 MHz, 100 MHz and so forth. If the system bus speed is rated at 100 MHz and the memory at 66 MHz, then the memory isn't operating as quickly as it could and PC100 memory should be purchased. Of course, if PC133 were purchased for this same system, the extra 33 MHz would simply be wasted because the system bus can only handle 100 MHz. Double Data Rate (DDR) memory is very similar to traditional SDRAM except it transfers data twice during each clock cycle. This doubles the transfer rate of the memory while the system bus stays the same. So a 100 MHz system bus that handles DDR memory can effectively use 200 MHz RAM. DDR comes in many speeds, each with two designations. On the box or somewhere in the specifications, the memory will be referred to as DDR-xxx, where the xxx is replaced by the effective clock speed of the memory, such as 200 as in the previous example. It will also list a PC-xxxx number, where xxxx represents the bandwidth of the entire stick of memory. This is not particularly important to understand for novices. The most common are: DDR-200/PC-1600, which operates at a clock speed of 100 MHz (effectively 200 MHz), DDR-266/PC-2100, which operates at 133 MHz (effectively 266 MHz), DDR-333/PC-2700, operating at 166 MHz (333 MHz) and DDR-400/PC-3200, which operates at 200 MHz (400 MHz). It is very important to know which type (SDR or DDR SDRAM) and speed of memory your system uses and to always purchase this type when upgrading or replacing your memory. You can usually find this information in the manual or contact the manufacturer.
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Sydney Morning Herald
UPI.com
8 (UPI) -- The Mortgage Bankers Association said Wednesday US mortgage activity decreased in the latest weekly survey, while interest rates increased. ...
Mortgage applications drop despite rates
Mortgage Applications, Refis Hurt by Job Market Stagnation
MBA: Mortgage applications rise

AFP
AFP
Inc -- to put together a package of subprime mortgages that were sold to clients, but which Paulson was also betting against. ...
Goldman Sachs fined £20m by Financial Services Authority – reports
Goldman Said to Be Fined Less Than $30.9 Million by UK Over Abacus Probe
Goldman Sachs fined £17.5m by FSA over fraud investigation

The Business Insider
Reverse Mortgage Daily
The Wall Street Journal is reporting the Obama administration may propose that any federal backing of mortgages be paid for through fees on the lending ...
30-Year Fixed-Rate Mortgage: An Endangered Species? (Part 1)
Ginnie Mae mortgage-backed securities have a solid record
No Down Payment Mortgages With Fannie Mae Affordable Advantage Program
Wall Street Journal
MEXICO CITY (Dow Jones)--Mexico's biggest home lender, federal housing fund Infonavit, plans to sell 1.5 billion pesos ($115 million) of its mortgage bonds, ...
MarketWatch (press release)
CHARLOTTE, NC, Sept 08, 2010 /PRNewswire via COMTEX/ -- Average mortgage rates rose slightly this week, according to the LendingTree Weekly Mortgage Rate ...
LendingTree.com Weekly Mortgage Rate Pulse Reports Average Rates Rise Slightly
The Associated Press
NEW YORK — Tax preparation company H&R Block has struggled for the last two tax seasons and faces uncertainty over the mortgages it still holds from its ...

Boston Globe
The Associated Press
The lenders will be required to forgive at least 10 percent of the original mortgage amount. Investors who have control over the mortgages as part of their ...
More Help For Homeowners
Volatile Housing Market Baffles Homeowners
A New Program To Attack Underwater Mortgages

Gamut News (blog)
LoanSafe
(LoanSafe.org) – Ahoy underwater homeowners with an FHA mortgage! The captains of the US government have thrown you a ...
FHA ups mortgage insurance premiums
CalHFA Provides Low-Interest Loans To First-Time Buyers
CalHFA offers new 30-year mortgage
Glens Falls Post-Star
Mortgage rates are hovering near historic lows, but that doesn't seem to be enough to get new buyers into homes. Since the spring, mortgage interest rates ...
SONYMA Mortgage Rates Reduced to Lowest Level in 40 Years
Bloomberg
Borrowers caught up on overdue mortgages faster than new delinquencies were reported on insured home loans in February for the first time in almost four ...