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18 ON THE WEB WEBSITES TO GET TO KNOW. GOTOMYPC provides all the features and functionality of a standard desktop PC. e difference is that GoToMyPC runs from an internet browser, allowing users to access all applications, files, games and accessories from their desktop on any computer. When users connect to a Mac or PC, what they see is a real- time image of their computer's screen allowing instant ability to work with files, programs and network—from anywhere—just as if they were at their desk. To use, simply download GoToMyPC and it will launch, install and configure without a restart. HOOVER'S gives you access to up-to-date information about industries, companies and key decision makers. Great for professionals working in sales, marketing, business development, and others who need intelligence on U.S. and global companies, industries, and the people who lead them. Hoover's offers proprietary business information through their online platform and integrated workflow solutions. Hoover's also has data on more than 85 million corporations, 100 million people, and 1,000 industries which fuels powerful data cleansing, analysis, list building, and corporate linkage capabilities that accelerate sales and marketing cycles. BASECAMP is a web-based service that makes organizing company's information easy. Basecamp lets users make pages that can contain any combination of notes, to-dos, images, files and so on. Features for users include: To-dos to outline and divvy up work to be done; Docs & Files to organize key docs, files, and assets; Schedules to set deadlines and milestones; Automatic Check-ins to regularly schedule questions and answers; and Reports to help users get caught up on what their team is doing as well as see what's overdue and what's coming up or due soon. HOOVERS.COM 2 GOTOMYPC.COM 1 BASECAMP.COM 3 MORTGAGE DELINQUENCY MENDS WHILE STUDENT AND AUTO LOANS WORSEN Seriously delinquent mortgage loans, those 90 days or more overdue, have declined to the point where they are less than one quarter of what they were at their peak six years ago, according to a new State of the Consumer report from Stephanie K. Mah, Director of Research, Structured Finance, Morningstar Credit Ratings. e substantial decline in serious mortgage delinquencies contrasts with that of other types of loan delinquencies that are on the rise, such as student loan debt and auto loan delinquencies, Mah reported. Citing data from the New York Fed, Mah reported that both mortgage and credit card delinquencies have improved, with the share of seriously delinquent mortgages falling from their peak of 8.9 percent in the first quarter of 2010 down to 2.1 percent at the end of the first quarter in 2016. Credit card delinquencies fell from 13.7 percent in Q1 2010 down to 7.6 percent by the end of Q1 2016. "Low interest rates made it easier for consumers to either refinance or stay current on their debt obligations," Mah said. Meanwhile, competition among underwriters led to an increase in subprime auto loans, which in turn led to a rise in the number of 90-day auto loan delinquencies (3.4 percent in Q 4 2015 up to 3.5 percent in Q1 2016). Student loan debt, one of the most frequently cited barriers to millennials achieving homeownership, has seen its share of delinquencies rise from 8.5 percent in 2011 up to 11.0 percent in the first quarter of 2016—and this number may be understated, since the New York Fed data from which the number was derived does not consider loan balances that are in deferment or forbearance. "With the run-up in student loans made to borrowers attending for-profit colleges (typically marketed to a lower, income demographic), student loan delinquencies increased as many of those graduating students were unable to find employment," Mah said. "For autos, the recent marginal increase in delinquencies can be attributed to the rise in subprime origination volume (loans targeted at less creditworthy borrowers). e low interest rate environment, combined with a generally healthy jobs market has resulted in fewer delinquencies across mortgages." According to Mah, "Unfavorable warmer weather conditions and some slowing in employment caused consumer spending to slow modestly in the first quarter, as it often does," dragging Q1 GDP growth down to 1.1 percent in the final estimate from the Bureau of Economic Analysis. Bob Johnson, Morningstar's Director of Economic Analysis, estimates GDP growth between 2.0 percent and 2.5 percent in the second quarter but notes it will probably be more toward 2.0 percent, given the weak GDP growth in Q1. Last year in Q2, GDP growth shot up to 3.9 percent after a weak first quarter.

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