- Skipping Final Fantasy 14’s “globally acclaimed” 10-year story could diminish the MMO’s value, so Yoshi-P says the ever-divisive catch-up idea is back on the shelf Gamesradar
- Final Fantasy 14 Director Says the Game’s Become Too Relaxed, Will Increase the Challenge Going Forward IGN
- Need to catch up with FF14 before Dawntrail? Best start now: there won’t be a free way to skip its story soon Rock Paper Shotgun
- Final Fantasy 14 Director Wants To Make The Game More Stressful Kotaku
- Final Fantasy 14’s Yoshi-P regrets making the MMO as stress-free as it is Gamesradar
Tag Archives: 10Year
Dow Jones Futures Fall As 10-Year Treasury Yield Tops 5%; Microsoft, Meta Lead Earnings Wave – Investor’s Business Daily
- Dow Jones Futures Fall As 10-Year Treasury Yield Tops 5%; Microsoft, Meta Lead Earnings Wave Investor’s Business Daily
- Meta, Alphabet, Amazon, Microsoft highlight earnings barrage: What to know this week Yahoo Finance
- Big-tech results will decide ‘where we go from here’ amid investor caution. They would fall if it weren’t for this one company MarketWatch
- Stocks Set to Open Lower as Investors Await Key U.S. Inflation Data and Big Tech Earnings Barchart
- Strong ad sales, stable enterprise spending wind beneath Big Tech earnings Reuters
- View Full Coverage on Google News
Tory Lanez Speaks Out After 10-Year Prison Sentence for Megan Thee Stallion Shooting: ‘I Refuse to Apologize’ – Billboard
- Tory Lanez Speaks Out After 10-Year Prison Sentence for Megan Thee Stallion Shooting: ‘I Refuse to Apologize’ Billboard
- Tory Lanez Says He Has Nothing To Apologize For in Megan Thee Stallion Shooting TMZ
- Iggy Azalea told a judge she’d hire Tory Lanez — the rapper convicted of shooting Megan Thee Stallion — ‘without hesitation’ for her next album Yahoo Entertainment
- Iggy Azalea’s Full Letter To Judge On Behalf Of Tory Lanez Revealed Vibe
- ‘I Refuse to Apologize’: Tory Lanez After 10-Year Sentence for Megan Thee Stallion Shooting Rolling Stone
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‘I Refuse to Apologize’: Tory Lanez After 10-Year Sentence for Megan Thee Stallion Shooting – Rolling Stone
- ‘I Refuse to Apologize’: Tory Lanez After 10-Year Sentence for Megan Thee Stallion Shooting Rolling Stone
- Tory Lanez Says He Has Nothing To Apologize For in Megan Thee Stallion Shooting TMZ
- Iggy Azalea told a judge she’d hire Tory Lanez — the rapper convicted of shooting Megan Thee Stallion — ‘without hesitation’ for her next album Yahoo Entertainment
- Tory Lanez To Spend 9 Years In Prison After Being Credited With Time Served Vibe
- Tory Lanez Breaks Silence After Being Sentenced In Megan Thee Stallion Shooting HipHopDX
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Microsoft signs next 10-year cloud gaming deal; Sony provided charts to spruce up the so-called gamers’ lawsuit over Microsoft-ActivisionBlizzard, and its lawyers may have ghostwritten the new complaint – FOSS Patents
- Microsoft signs next 10-year cloud gaming deal; Sony provided charts to spruce up the so-called gamers’ lawsuit over Microsoft-ActivisionBlizzard, and its lawyers may have ghostwritten the new complaint FOSS Patents
- Microsoft pens ten-year deal with EE for Call of Duty and Xbox TrueAchievements
- Is Microsoft getting ready to add PC games to Xbox Cloud Gaming? The Verge
- Phil Spencer makes yet another 10-year pledge for Xbox Cloud Gaming Windows Central
- Microsoft announces another 10-year partnership, this time with EE | VGC Video Games Chronicle
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Six lifestyle choices to slow memory decline named in 10-year study | Memory
A combination of healthy lifestyle choices such as eating well, regularly exercising, playing cards and socialising at least twice a week may help slow the rate of memory decline and reduce the risk of dementia, a decade-long study suggests.
Memory is a fundamental function of daily life that continuously declines as people age, impairing quality of life and productivity, and increasing the risk of dementia.
Evidence from previous research has been insufficient to evaluate the effect of healthy lifestyle on memory trajectory, but now a study suggests that combining multiple healthy lifestyle choices – the more the better – is linked with softening the speed of memory decline.
“A combination of positive healthy behaviours is associated with a slower rate of memory decline in cognitively normal older adults,” researchers from the National Center for Neurological Disorders in Beijing, China, wrote in the BMJ.
Practising multiple healthy lifestyle choices together “was associated with a lower probability of progression to mild cognitive impairment and dementia”, they added.
Researchers analysed 29,000 adults aged over 60 with normal cognitive function who were part of the China Cognition and Aging Study.
At the start of the study in 2009, memory function was measured using tests and people were checked for the APOE gene, which is the strongest risk-factor gene for Alzheimer’s disease. The subjects were then monitored for 10 years with periodic assessments.
A healthy lifestyle score combining six factors was calculated: a healthy diet; regular exercise; active social contact; cognitive activity; non-smoking; and not drinking alcohol.
Based on their score, ranging from zero to six, participants were put into lifestyle groups – favourable (four to six healthy factors), average (two to three healthy factors), or unfavourable (0 to 1 healthy factors) – and into APOE-carrier and non-carrier groups.
A healthy diet was deemed as eating at least seven out of 12 food groups: fruits, vegetables, fish, meat, dairy, salt, oil, eggs, cereals, legumes, nuts and tea.
Writing, reading, playing cards or other games at least twice a week was the second area of healthy behaviour.
Other areas included drinking no alcohol, exercising for more than 150 minutes a week at moderate intensity or more than 75 at vigorous intensity, and never having smoked or being an ex-smoker.
Social contact at least twice a week was the sixth healthy behaviour, including activities such as visiting family and friends, attending meetings or going to parties.
After accounting for factors likely to affect the results, the researchers found that each individual healthy behaviour was associated with a slower-than-average decline in memory over 10 years.
A healthy diet had the strongest effect on slowing memory decline, followed by cognitive activity and then physical exercise.
People with the APOE gene who had healthy lives on the whole also experienced a slower rate of memory decline than those with APOE who were the least healthy.
Overall, people with four to six healthy behaviours or two to three were almost 90% and almost 30% respectively less likely to develop dementia or mild cognitive impairment relative to those who were the least healthy, the BMJ reported.
Dr Susan Mitchell, head of policy at Alzheimer’s Research UK, said: “This is a well-conducted study, which followed people over a long period of time, and adds to the substantial evidence that a healthy lifestyle can help to support memory and thinking skills as we age.
“Too few of us know that there are steps we can all take to reduce our chances of dementia in later life.”
Microsoft’s 10-Year Call of Duty Promise to Sony Would Reportedly Include PlayStation Plus
Microsoft has been making some big promises lately as it works to encourage regulators to permit its $69 billion acquistion of Activision Blizzard. Among those promises was a deal offered to Sony pledging that Call of Duty would remain available on PlayStation consoles for ten years – a deal that reportedly also includes PlayStation Plus rights.
As reported by Bloomberg, the rights to sell the title via Sony’s PlayStation game subscription service were promised alongside Microsoft’s previously-stated offer to Sony for ten years of Call of Duty on Sony hardware if the Activision Blizzard cquisition went through. Sony has yet to accept the offer, and has continued to raise concerns with the UK’s Competition and Markets Authority (CMA) and the Federal Trade Commission about the acquistion.
The offer for inclusion on PlayStation Plus is especially notable due to Microsoft’s growing promotion of its own subscription service, Xbox Game Pass. Microsoft has previously stated its intentions to put Call of Duty on Game Pass if the deal closes, and Sony has claimed that Game Pass “significantly” leads PlayStation Plus in subscription numbers.
Meanwhile, Nintendo recently accepted the ten-year deal offered by Microsoft to put Call of Duty on Nintendo consoles, and Valve head Gabe Newell indicated he had no need for such a contract, but was happy to continue working with Microsoft “after” (Newell’s words) the deal closed.
Despite Newell’s confidence, the deal is far from done. Most recently, the FTC announced it would sue to block Microsoft’s acquisition of Activision Blizzard, saying the deal would “harm competition in high-performance gaming consoles and subscriptions services by denying or degrading rivals’ access to its popular content.”
Rebekah Valentine is a news reporter for IGN. You can find her on Twitter @duckvalentine.
Drop in 10-Year Treasury Yield & Mortgage Rates Is Just Another Bear-Market Rally. Longer Uptrend in Yields Is Intact, with Higher Highs and Higher Lows
“Nothing goes to heck in a straight line.” That’s how functional markets adjust to a new reality: Higher inflation, higher rates.
By Wolf Richter for WOLF STREET.
There has been a lot of discussion and handwringing and Fed-pivot fantasizing about the drop of the 10-year Treasury yield from 4.25% at the end of October to 3.51% at the close on Friday. That’s a 74-basis-point drop. In percentage terms, the yield dropped by 17%. A drop in yield means a rise in prices of these securities. So this drop in yields represents a rally in prices.
But here is the thing: During the summer bear-market rally, the 10-year yield dropped by 25%, from 3.49% to 2.60%. Before then, there were a few smaller bear-market rallies. But the biggest bear-market rally during this bond bear market was from April 2021 to August 2021, when the yield dropped by 30%, from 1.70% to 1.19%.
The 10-year yield closed at 0.52% on August 4, 2020, which marked the end of the 39-year bond bull market. Since then, the 10-year yield has risen sharply, with big surges followed by smaller retracements, followed by big surges, followed by smaller retracements, etc., adhering to the Wolf Street dictum that “Nothing Goes to Heck in a Straight Line.” The 10-year yield, as it went up, marked higher highs and higher lows each time. And the current bear-market rally fits in nicely, and they yield could drop further, and it would still fit in nicely:
Back in August 2020, the 10-year yield hit the low of 0.52% – after months of widespread propaganda by bond- and hedge-fund kings, queens, and gurus in the social media, on CNBC, and Bloomberg that the Fed would push interest rates into the negative, just like central banks had done in Europe and Japan.
This was an effort to manipulate people into buying a 10-year security with nearly no yield, thereby driving yields down further, and prices up further, to make said kings, queens, and gurus a lot of money.
Whoever ended up buying 10-year maturities at the time got a really bad deal because that marked the bottom of the 39-year bond bull market, during which the 10-year yield had descended from 15.8% in September 1981 to 0.52% in August 2020 – and not in a straight line – on declining inflation and declining interest rates, with some big wobbles in between, and since 2008, fueled by money-printing and interest rate repression.
But now we have the fastest Fed rate hikes in 40 years, and the Fed’s fastest QT ever, having unwound $381 billion in six months.
Mortgage rates followed a similar pattern. The 30-year fixed mortgage rate began the rise in early 2021, from a low of 2.65%. But also not in a straight line. By April 2021, it had reached 3.18%, and then it retraced to 2.78% by June 2021. By the end of December 2021, it was back at 3.11%.
And then as the Fed ended QE, and then raised rates, and then embarked on QT, mortgage rates surged – interrupted by big bear-market rallies, most notably the summer bear-market rally when the average 30-year fixed mortgage rate dropped by 14%, from 5.8% to 4.99%, only to surge again to 7.08% at the end of October. As of Freddie Mac’s index released on December 1, the rate has retraced some of that surge, dropping to 6.49%. This represents an 8.3% drop in the average mortgage rates.
Since early 2021, we still have an unbroken uptrend of the 30-year fixed mortgage rate, marked by higher highs and higher lows, and a further drop would still fit in nicely into the overall uptrend:
The trend is your friend. There has been a huge amount of Fed-pivot mongering and rate-cut mongering and the-Fed-will-restart-QE-soon mongering, etc. All this is part of the normal game of how markets are adjusting to new realities, with each side pushing in its own direction, thereby pushing markets up and down in a volatile manner. But this is how functional markets adjust to new realities. Adjustments don’t happen all at once. And if they do, it’s a truly spooky affair. And they don’t adjust in predictable straight lines either. They go about it over time in their rough and tumble way, but ultimately, they get there.
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Jefferies says buy these quality ‘fallen angels’ trading near 10-year valuation lows
Mortgage bankers expect rates to drop to 5.4% in 2023. What will home prices do?
NASHVILLE, Tenn. — High mortgage rates and recession fears are hurting home prices, so expect growth to be flat this year, one expert says.
“Our forecast is for home-price growth moderation to continue,” Joel Kan, vice president and deputy chief economist at the Mortgage Bankers Association, said Sunday during the organization’s annual conference in Nashville, Tenn.
Home prices have already begun moderating. According to Case-Shiller, home prices fell month-over-month from June to July for the first time in 20 years. The latest numbers, which will be for August, will be reported on Tuesday morning.
With a recession likely in the cards, on top of mortgage rates near or above 7%, “we’ve already seen a pretty dramatic pullback in housing demand,” Kan said.
Also see: Mortgage industry group predicts recession next year, expects mortgage rates to come back down from 7%
The 30-year fixed rate averaged 6.94% last week as compared to 3.85% a year ago. The MBA is also expecting rates to come down to 5.4% by the end of next year.
So expect national home-price growth to “flatten out” in 2023 and 2024, he said. This might be a “silver lining” for some, Kan added, as it brings home prices back to more “reasonable levels.”
A flattening of home-price growth should allow households to catch up, in terms of wages and savings, to afford homes that are presently too expensive.
But he also warned that some markets may actually see home prices drop. We’re already seeing home values fall in some markets, from pandemic boomtowns like Austin and Phoenix to well-known expensive ones the San Francisco Bay Area.
Still, even with price drops, don’t expect a surge of inventory as people sit on their ultra-low mortgage rates that they will likely not enjoy again in the near future.
According to June data from the Federal Housing Finance Agency, nearly a quarter of homeowners have mortgage rates of less than or equal to 3%. And the vast majority of owners — 93% — have rates less than 6%.
On top of that, supply is likely to be tight too.
Sellers are said to be “striking” and not selling their homes as they see others forced to cut list prices to woo buyers. Builders are also getting spooked, signaling intent to slow new construction.
Nonetheless, demand for housing should recover eventually, given that there are a lot of people who will soon be in need of a home that they own.
MBA’s Kan estimated that there are 50 million people in the 28-to-38 age demographic, of which some — or many — are likely to become potential homeowners in the future.
For those under 35, the homeownership rate is only 39%, Kan said, while that share increases for people aged 35 to 44, to 61%.
So as people age, “we’re fairly confident if we stick to these trends, you will see a very supportive demographic driver of housing demand for a good number of years,” Kan said.
Got thoughts on the housing market? Write to MarketWatch reporter Aarthi Swaminathan at aarthi@marketwatch.com