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Tuesday, January 25, 2011
Monday, January 24, 2011
Making Money Online Scams
In an interview, a former credit card thief talks about some of the scams he used to run on unwary consumers. It's got some good takeaways for protecting yourself, like the one where you make up fake answers to security questions. With all the info that can be found online now some of these security questions aren't that hard to figure out. So instead of putting down the real answer to "What's your mother's maiden name?" put down "unicorn princess."
Secrets of a Former Credit Card Thief [Yahoo] (Thanks to Newdreams!)
In an interview, a former credit card thief talks about some of the scams he used to run on unwary consumers. It's got some good takeaways for protecting yourself, like the one where you make up fake answers to security questions. With all the info that can be found online now some of these security questions aren't that hard to figure out. So instead of putting down the real answer to "What's your mother's maiden name?" put down "unicorn princess."
Secrets of a Former Credit Card Thief [Yahoo] (Thanks to Newdreams!)
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
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Mideast Peace As Seen on TV « Liveshots
The Palestinian/ Israeli conflict and the fragile Peace Process is now back on the priority list of.
Last Night's Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>
Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...
Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>
epic fail photos - Probably Bad News: Headline FAIL.
Tuesday, January 18, 2011
Making Internet Money
Yes, the GOP’s new chairman needs to raise money. But his biggest challenge will be rebuilding the ground game, which cost Republicans precious seats last fall.
All but a handful of the 168 members of the Republican National Committee (RNC) wanted Michael Steele out, but the race for GOP chairman still took six ballots. While Wisconsin Chairman Reince Priebus led every round, he won the final one with 97 votes, just 12 more than he needed.
Reince Priebus conducts committee business after being elected chairman of the National Republican Committiee during the RNC Winter Meeting on Jan. 14, 2011. (Photo: Alex Wong / Getty Images)
The candidates largely agreed on the problems of the Steele era and many of the answers, but doubts lingered about every contender. Priebus’ advantage came from early endorsements by some of the committee’s respected figures, including Henry Barbour and Alec Poitevint, the national committeemen from Mississippi and Georgia, respectively. Enough committee members concluded if Reince was good enough for Henry and Alec, he was good enough for them.
Now comes the much harder part. The RNC is not just broke: it’s deeply in debt and reportedly without enough money to make payroll when the balloting began last Friday. The RNC has seen a nearly $50 million swing from almost $25 million in the bank when Steele became chairman to more than $21 million in the red when he left. The GOP HQ is likely to see checks roll in this week from donors grateful Steele is out, but it’s hard to raise money to pay off debt.
Priebus has told GOP insiders he understands the RNC’s grave financial position and will work the problem from both ends. He’s already fired Steele’s picks to run the 2012 Tampa Republican Convention. They were hired and dispatched to Florida last summer, more than a year before is customary, and immediately began running up big housing bills and other expenses. Priebus has also begun an extensive outreach to the GOP’s fundraising pooh-bahs to explain there’s a new fiscal regime in place. No more bloated entourages, sweetheart deals, and lack of financial oversight.
Priebus has begun an extensive outreach to the GOP’s fundraising poobahs to explain there’s a new fiscal regime in place. No more bloated entourages, sweetheart deals, and lack of financial oversight.
Despite Chairman Steele’s gaffes and financial shenanigans (like the big bar tab at a lesbian bar in L.A.), the RNC has seen healthy increases in direct mail and Internet giving. But this wasn’t matched by a growing total of larger gifts of up to $30,400, the limit for what the Republican and Democratic National Committees can accept. Steele didn’t do what a national chairman is supposed to do: spend lots of time on the phone begging.
Successful party chairmen spend half of their life on the phone or visiting major donors, making the case for checks from them and others in their rolodexes. This wasn’t Steele’s style. It will have to be Priebus’ style—and the major proven fundraiser he recruits as RNC finance chairman. There’s nowhere to go but up. Steele once tried to recruit a candidate for the finance job by promising to give a speech wherever the prospect wanted him to go. The guy turned Steele down, believing that if the chairman thought his making speeches was what made the cash register ring, Steele didn’t understand fundraising.
Then there’s the RNC’s political role. The good news for the quiet, almost shy but personable new chairman is he doesn’t have to do a lot of television. There is a phalanx of presidential candidates and congressional leaders to take on that task. He must focus on rebuilding the party’s once-vaunted ground-game operations handling voter identification, registration, and get-out-the-vote (GOTV).
The “72-Hour” or “Victory” program depends on volunteers drawn from local and state party committees and candidate campaigns. But only the RNC can provide the direction, training, technology, and metrics to guide these massive efforts. And the RNC’s cash flow is necessary to top off state party budgets in battleground states. Coming from Wisconsin, a place with a strong tradition of grassroots GOTV activity, Priebus knows all this is essential.
The GOP lost dozens of close contests in 2010 because the RNC provided only a fraction of the funding for “Victory” efforts that it has in years past. From more than half a dozen congressional races to gubernatorial contests in Vermont and Connecticut to Senate races in Nevada and Colorado, the RNC was virtually AWOL on get-out-the-vote efforts.
Restoring the RNC’s effectiveness requires time, discipline, leadership, and money. The new Republican national chairman has time and appears to have the needed discipline. Whether he gets the job done will depend on his leadership and fundraising.
Those on the RNC who know the new chairman think Reince is up for the big job. Lots of 2012 Republican hopefuls up and down the ballot hope that’s true. Count me as one. I made my contribution today online. Talk about change bringing hope.
Karl Rove served as senior advisor and deputy chief of staff to former President George W. Bush until 2007.
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For inquiries, please contact The Daily Beast at editorial@thedailybeast.com.
Back in December, we spotted an SEC filing indicating that Union Square Ventures was raising between $135 million and $200 million for a new “Opportunity Fund.” The offering wasn’t complete and the firm could not discuss it, but today partner Fred Wilson explains in a post what the new fund (which ended up being a $165 million fund) is all about.
The fund is not about going after different opportunities than Union Square has been focussed on since the outset. It is that the size of the opportunity Union Square is focussed on—which Wilson describes “Internet services that create large networks”—is larger than ever. And the new fund will provide more dry powder to invest in network startups, whether they need $25,000 or $25 million. Wilson explains:
Since 2004, the opportunity to invest in networks has evolved. In 2004 the entire market capitalization of the social media sector was probably less than $100M. Today a single company in that sector is valued at over $50B. The amount of venture capital focused on the sector has exploded. Networks that did not exist in 2004 now consume a huge chunk of users’ time and attention, making the launch of new networks more challenging. The opportunity to invest in networks has changed, and once again we are changing with it.
Union Square is an investor in Twitter, Zynga, Tumblr, Foursquare, and Disqus—all of which fit under the network thesis. As these companies grow and command higher valuations in private rounds (Union Square sat out Twitter’s latest $200 million round), the Opportunity Fund will allow Union Square to keep participating. It will also be tapped to invest in companies in later rounds (something Union Square has shied away from so far, they like to be first) and other special situations such as spin-offs. Interestingly, Union Square is not committing to invest all the money raised. Maybe they should have called it the Dry Powder Fund instead.
Source:http://removeripoffreports.net/
<b>News</b> of the World feigns shock at new twist in the phone-hacking <b>...</b>
Who is the paper trying to fool with its 'internal investigation' - the public or Rupert Murdoch?
Gov.-elect Robert Bentley intends to be governor over all, but <b>...</b>
elect Robert Bentley intends to be governor over all, but says only Christians are his 'brothers and sisters'. Published: Monday, January 17, 2011, 4:23 PM Updated: Monday, January 17, 2011, 6:14 PM. David White -- The Birmingham News ...
Major earthquake strikes southwestern Pakistan – This Just In <b>...</b>
[Updated at 4:47 p.m. ET] An earthquake with a preliminary magnitude of 7.2 struck Wednesday morning in a remote area of southwestern Pakistan, the U.S. Geological Survey reported. The earthquake occurred at 1:23 a.m. (3:23 p.m. ...
Friday, January 14, 2011
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<b>News</b> Corp's The Daily iPad Newspaper Delayed By “Weeks, Not Months”
While we may all have our own opinions on whether News Corp's iPad-bound newspaper, The Daily, is a boondoggle or simply before its time, I think we were all at least looking forward to seeing what it was like. People were curious about ...
Giffords' Eye Opening <b>News</b> - Political Punch
President Obama's dramatic news at last night's memorial service in Tucson that Rep. Gabrielle Giffords' has just minutes before opened her left eye for the first time since the shooting has created some confusion in light of news from ...
Science <b>news</b>
Science news snippets Herpes target - UK scientists have used solution-state NMR spectroscopy for the first time to develop ...
Thursday, January 13, 2011
Making Money Easy
Eric Francis/Getty Images
"Should I stay or should I go? - If you say that you are mine - I'll be here till the end of time - But you gotta let me know - Should I stay or should I go?"
—The Clash, "Should I Stay Or Should I Go?"
Nebraska fans are set for another round of uncertainty, as current LSU coach Les Miles has announced he will meet with administrators at Michigan to discuss becoming the next head Wolverine. Miles, a former Michigan player, has strong ties to his alma mater and many sites are reporting that he is seriously considering making the move.
Should Miles leave Baton Rouge for Ann Arbor, Nebraska coach Bo Pelini will likely be on the short list of candidates to replace him. And a move to LSU certainly has more substance than the rumors of Pelini taking the job in Miami, as was rumored last month. So would Pelini pack up and head back to the bayou?
There would certainly be some incentives to do so. Between Nick Saban and Les Miles, LSU has become a national force in recruiting. Louisiana itself is a hotbed of football talent, and LSU gets first pick of that talent in the way rivaled only by Texas. If Pelini wanted a situation where he could load up quickly, LSU would be attractive.
Pelini would be a familiar face in Baton Rouge, having been the defensive coordinator there from 2005-07 and being part of a national championship team. Pelini would have a familiarity both with the area and the competition in the SEC.
Grab your popcorn and Twizzlers, because 2011 is already shaping up to be an exciting year to watch startups and giants do battle for market share and big ideas. If you’re not sure which companies to look out for in the coming year, our writers and editors have submitted their expert picks below.
What do you think? Did we miss any promising tech companies (new or established) that you see making a big splash in 2011? We want — nay, demand — your forecasts in the comments below.
1. Minimal, Inc.
This Chicago-based design firm finished off 2010 by completing the most successful funding campaign in Kickstarter history. Its TikTok+LunaTik iPod Nano watch conversion kits raised more than $940,000 from more than 13,500 backers and garnered the kind of attention that should help launch this company to new heights in 2011. The gadget accessories market has a new player.
~ Josh Catone, Features Editor
2. StumbleUpon
OK, so StumbleUpon has been around since 2001, so it’s not new to the scene. But with Digg’s fall this year and StumbleUpon’s planned release of premium features and publisher pages early this year, it has the potential to scale and be exposed to more users. And considering it’s a big source of traffic for many news sites, it may start investing its time into figuring out how to leverage the site further and connect with its community on the site.
~ Vadim Lavrusik, Community Manager
3. Amimon, Inc.
This Israeli company has perfected its wireless HDTV system over the past years. Imagine plugging a tiny USB device into a laptop, and then displaying its output in full 1080p HD resolution on a monitor 100 feet away, with no lag. Amimon has already introduced one of its own products, but the big deal is the presence of its superior wireless HD standard (known as WHDI, or Wireless Home Digital Interface) chips built inside numerous other products, such as laptops, projectors, TVs and set-top boxes.
~ Charlie White, Senior Editor
4. Bloom Energy
If there is any company poised to revolutionize the energy market, it’s Bloom Energy. The Bloom Energy Server (a.k.a. the “Bloom Box”) changes inputs like natural gas or oil into clean, reusable energy. It’s actually a dynamic fuel cell that creates energy through a chemical reaction. The company has raised more than $400 million to date and is testing its technology with Google, eBay, Wal-Mart and others.
~ Ben Parr, Co-Editor
5. Skype
Its recent outage notwithstanding, Skype has been on an impressive run since its breakup with eBay. Usage is at record levels, and features like group video chat and deep Facebook integration have reminded us that Skype is a top tier consumer and business web company. In 2011, the company is likely to go public, and with it, face a whole new level of scrutiny and expectations. Google will also continue to gun at Skype with enhancements to Google Voice (free U.S. calling for Gmail users through 2011 is an obvious sign of that), making the company all the more intriguing to watch.
~ Adam Ostrow, Editor-in-Chief
6. Tumblr
With $30 million in funding in its coffer and increasing content curation (not to mention 14 book deals born from its blogs), Tumblr could be shaping up into a much more organized — and ad-worthy — hub for entertainment. We’re interested to see if the company spends that money wisely — and how.
~ Brenna Ehrlich, News Editor
7. Clicker
The connected device ecosystem is still evolving, in large part because of the battle over control between content publishers, device makers and consumers. Clicker is managing to avoid the battle itself and is instead focusing on making it easy for users to find content, irrespective of what service that content might use. The company recently branched into recommendations and has mobile apps, supports Google TV and the Boxee Box and has a killer web app.
~ Christina Warren, Mobile & Apple Reporter
8. inDinero
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Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
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Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
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Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
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Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
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Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
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Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
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Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
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Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
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Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
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Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Dallas Cowboys Tidbits: Snacking On Cowboys <b>News</b> - Blogging The Boys
Get the latest roundup of Cowboys in the news. Dallas Cowboys Tidbits are for those that like to eat and run!
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
Monday, January 10, 2011
personal finance
By the end of 2010, Harlequin Enterprises will have sold a grand total of more than 6 billion books in the company's 60-year history. But on Dec. 28, Harlequin will try to sell its first personal finance book.
The Frugalista Files, written by former Miami Herald personal finance blogger Natalie McNeal, is a diary of the year that one 34-year old spent trying to pay off her credit card debt -- "without giving up the fabulous life."
McNeal's book is written in a diary format, with all the personal details and emoticons entailed in that approach: "I admit it. My name is Natalie. I am a spending slut." It's certainly not a book that targets my college-age demographic, but many readers will find her story inspiring. If Natalie can do it, so can you.
"My book is for anyone who is a promiscuous spender and is looking for real-life tips on how to be financially chaste," McNeal tells DailyFinance. "It's highly personal personal finance."
Katherine Orr, Harlequin's vice president of public relations, sees the move into financial advice as a logical step for the world's largest publisher of romance novels.
"For 60 years, we've provided escape from problems, and now we can help solve the problems," she says. She calls McNeal's book "very prescriptive. It's clear and simple, and it's helping young singles navigate in a tough world."
Harlequin first began publishing nonfiction in October 2008 with a book from syndicated radio host Delilah. Subsequent titles have included fitness guru Tosca Reno's best seller Your Best Body Now: Look and Feel Fabulous at Any Age the Eat-Clean Way, along with titles like The Happy Baker: A Girl's Guide to Emotional Baking; Life Beyond Your Eating Disorder; The Dog Who Healed a Family; and Queen of Your Own Life.
The market for pink-covered personal finance books for women hasn't been especially strong. None of financial adviser Suze Orman's mega-bestselling money books have boasted a pink cover, and none of the slew of recently released girl-talk guides for women have sold well. Titles like Shoo, Jimmy Choo!; Bitches on a Budget: Sage Advice for Surviving Tough Times in Style; andA Purse of Your Own: An Easy Guide to Financial Security have all failed to register much of an impact in terms of sales.
Kimberly Palmer, the personal finance editor with US News & World Report and the author of Generation Earn, says many financial guides for women are marketed as "simplified [and] dumbed-down."
"Women don't like to be talked to as if we're bad with money, because we're not," she says. "Too many books for women assume that we overspend on shoes and cosmos when we're really just looking for the same kind of smart, solid financial advice that men want."
But if there's one publisher in America that knows what women are looking for when they buy a book, it's Harlequin. Perhaps it'll be able to reach a segment of the population badly in need of financial advice -- one that other publishers have so far been largely unable to connect with.
J.D. Roth, over at Get Rich Slowly, suggests that many of us have spending habits that aren't really in line with our goals. To find out if that's the case for you, Roth suggests the following steps:
- Quickly—without thinking too much—write down all the things that are important to you and that you want in life.
- Analyze your spending records over the past year by category. (You can do this easily in Mint, QuickBooks, or pretty much any financial software you may be using. You can also just take a look at what you own if you're not tracking your finances.)
- Compare the two lists.
If the two lists line up, you're probably spending the way you ought to. If they don't, you may want to consider ways to spend your money in other categories that will help you meet your goals. Every time you consider buying something, just ask yourself if it's in line with what really matters to you. That can make the decision much easier.
Does Your Spending Match Your Values? | Get Rich Slowly
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
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ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
bench craft company reviews bench craft company reviews
ABC <b>News</b> Chief Open to Bloomberg Partnership - NYTimes.com
The new president of ABC News says the door remains open to some form of future partnership with Bloomberg News.
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Just posted: Olympus XZ-1 samples gallery: Digital Photography Review
Just posted: Olympus XZ-1 samples gallery: Just posted: Olympus XZ-1 sample photos. While we were attending CES in Las Vegas, we were offered a full, production-standard version of the latest enthusiast compact from Olympus.
Friday, January 7, 2011
Making Money Scams
You've heard of "flipping" houses, well now there's "flopping." While the first was speculative, this one is outright fraud.
"Flipping" refers to when home values were rising so fast and the market was so hot that you could buy a house, slap on some new paint and fix up the yard and throw down some marble countertops and turn it around and sell it for a tidy profit.
Now that the bubble has burst and people are trying to offload all these houses, one of the ways they are doing it is in a "short sale" where the bank agrees to allow the house to be sold for less than the value of the mortgage. Doing so lets them avoid the costly foreclosure process and gets the bad loan off their books.
But what "floppers" are doing is pay a crooked appraiser to say that the house is worth even less than its real current market value. They then have a "straw purchaser" buy it, and then they turn around and sell it for what it's really worth.
The Federal Financial Crimes Enforcement Network (FinCEN) recently released a report indicating that mortgage fraud suspicious activity reports rose 7% in the first half of 2010, the terms "short sale" and "broker price opinion" showing up 827 times and 41 times, respectively.
THE TAKEAWAY: What this means for homeowners is that banks are making it harder to do short sales, preferring to instead go for foreclosure, even when it costs them more money. Several cases have come out where the bank has insisted that the short sale price was too low to allow the sale to go through, only to turn around and try sell the house at auction for less than what the short sale price was.
What you can do if your short sale is initially declined is try to convince the bank that the "auctionable cash-price," the price they can sell the house for at auction, is lower than what they think. Submit in one big packet at once any interior deficiencies, renovation costs, or engineering reports that you think will make the case. Include several different contractor estimates and bids and broker price opinions to help make your case.
For more information on preventing foreclosure, check out this Consumer Reports article.
Mortgage Fraud Suspicious Activity Reports Rise 7 Percent Increase in the First Half of 2010 [FINCEN.gov]Wary lenders denying short sales [Boston] (Thanks to chiieddy!)
SIGTARP Quarterly Report to Congress April 20, 2010 (PDF) [SIGTARP.gov]
Short Sale Denied; Advice to make Bank Reconsider? [ths.gardenweb]
It feels good to give to needy organizations, whether it's a homeless shelter or a firefighter's charity. But how would it feel to know that most of the money you donated went to the telemarketing company making the call?
Oregon Attorney General John Kroger released a list of what he calls the 20 Worst Charities, hoping that consumers would make sure to avoid scams and give money to those groups who actually put it to good use."In the middle of a recession, it is more important than ever that generous Oregonians make charitable contributions to organizations that help veterans and others who are in need," said Kroger.
"It is critical, however, that people donate wisely. Although many charities do great work, some are little more than scams with good-sounding names but that do little to actually help the people they claim to support."
Charity guidelines usually dictate that they spent at least 65% of the money they collect on their programs. But every charity on the list devotes less than 25% of what they get to the people or activity they're supposed to be collecting the money for.
Kroger pointed out that California-based organization Shiloh International Ministries -- which is supposed to use its money providing help to children, veterans and the homeless -- actually spends 96% of its donations on management and fundraising.
The California-based nonprofit spent an average of $1,023,215 per year.
Other charities Kroger highlighted include:
Association for Firefighters and Paramedics, based in California
Korean War Veterans National Museum & Library, based in Illinois
Foundation for American Veterans, based in Michigan
Big Hope, in South Carolina
Law Enforcement Education Program, in Michigan
National Vietnam Veterans Foundation, in Virginia
Dogs Against Drugs/Dogs Against Crime, in Indiana
Firefighters Charitable Foundation, in New York
Committee for Missing Children, in Georgia
The Wishing Well Foundation, in Louisiana
Keep these tips in mind when donating and check out the state's database for its take on specific charities. Check out the IRS's website to make sure it's tax deductible.
Don't give to unregistered charities
Do your research.
Resist impulse decisions to donate.
Do not donate cash.
If you don't remember a pledge, you probably didn't make one.
Be leery of sweepstakes for charity.
Contact the charity directly.
Don't give personal or financial information over the phone.
Reduce the number of unwanted solicitations by registering your number on the Do-Not-Call List.
Make sure your gift is tax-deductible.
free rental agreement forms
Will an ad network work for your <b>news</b> website? Or are you just <b>...</b>
The journalism industry's traditional ethical "wall" dividing advertising and editorial has left some journalists so frightened by the idea of selling to potential advertisers that they choose not even to try launching their own news ...
This week's travel <b>news</b> - Travel - Macleans.ca
166188One Responsehttp%3A%2F%2Fwww2.macleans.ca%2F2011%2F01%2F07%2Fthis-weeks-travel-news-33%2FThis+week%27s+travel+news2011-01-07+20%3A17%3A34macleans.cahttp%3A%2F%2Fwww2.macleans.ca%2F%3Fp%3D166188 to “This week's travel news” ...
BMI.com | <b>News</b> | Nielsen Signs Off on Radio Ratings
Though Nielsen declined to elaborate on its decision to exit the U.S. radio-ratings business, the news came just days after the Arbitron-Clear Channel deal was announced — hardly a coincidence, suggested some media observers. ...
Thursday, January 6, 2011
Making Money Work
Making maple syrup in a hotter world
It's hard to take big-picture global temperature increases and bring them down to a personal level—partly because of that confusion between weather and climate, and partly because scientists simply have a better understanding what is very likely to happen in an averaged-out global system, than they have of how changes in that global system are likely to affect your backyard.
I like the way Climate Wisconsin is trying to bridge that gap. First, they use interactive visuals to show the local symptoms of climate change, like rising average temperatures and fewer days of ice cover of Wisconsin lakes. Then, they connect those symptoms to Wisconsin life. If these trends continue, what impact will they have on things like fishing, forestry, farming and, yes, the making of maple syrup.
It's a hard line to walk. The family featured in this video has recently experienced some of the worst years for making maple syrup in four generations. But, because weather isn't climate, next year could be better for them, even as the climate, overall, continues to warm. At the same time, though, climate change is likely to have long-term impacts on where and how well sugar maples can grow—and when, and for how long, their sap runs in spring.
I think this video and the related essay do a better-than-average job of making that distinction. This family won't be out of business next year. But, over time, climate change is very likely to make this work harder for them. The harder it gets, Wisconsin traditions associated with maple syrup making will become less common—and the 5-million-dollar syrup industry will bring less money to the state.
Also, I just finished re-reading Little House in the Big Woods, and it's fun to see how the process of maple syrup production has, and hasn't, changed since Grandpa Ingalls threw a sugaring-off party at his Wisconsin cabin in the late 1860s. Check out the taps they hammer into the maples. They look just like the Little House illustrations, but instead of draining into wooden buckets, the sap now flows into plastic bags.
Thanks to agroman for Submitterating!
In 1968, 1,300 sanitation workers in Memphis went on strike. The Rev. Martin Luther King, Jr. came to support them. That was where he lost his life. Eventually Memphis heard the grievances of its sanitation workers. And in subsequent years millions of public employees across the nation have benefited from the job protections they've earned.
But now the right is going after public employees.
Public servants are convenient scapegoats. Republicans would rather deflect attention from corporate executive pay that continues to rise as corporate profits soar, even as corporations refuse to hire more workers. They don't want stories about Wall Street bonuses, now higher than before taxpayers bailed out the Street. And they'd like to avoid a spotlight on the billions raked in by hedge-fund and private-equity managers whose income is treated as capital gains and subject to only a 15 percent tax, due to a loophole in the tax laws designed specifically for them.
It's far more convenient to go after people who are doing the public's work -- sanitation workers, police officers, fire fighters, teachers, social workers, federal employees -- to call them "faceless bureaucrats" and portray them as hooligans who are making off with your money and crippling federal and state budgets. The story fits better with the Republican's Big Lie that our problems are due to a government that's too big.
Above all, Republicans don't want to have to justify continued tax cuts for the rich. As quietly as possible, they want to make them permanent.
But the right's argument is shot-through with bad data, twisted evidence, and unsupported assertions.
They say public employees earn far more than private-sector workers. That's untrue when you take account of level of education. Matched by education, public sector workers actually earn less than their private-sector counterparts.
The Republican trick is to compare apples with oranges -- the average wage of public employees with the average wage of all private-sector employees. But only 23 percent of private-sector employees have college degrees; 48 percent of government workers do. Teachers, social workers, public lawyers who bring companies to justice, government accountants who try to make sure money is spent as it should be -- all need at least four years of college.
Compare apples to apples and and you'd see that over the last fifteen years the pay of public sector workers has dropped relative to private-sector employees with the same level of education. Public sector workers now earn 11 percent less than comparable workers in the private sector, and local workers 12 percent less. (Even if you include health and retirement benefits, government employees still earn less than their private-sector counterparts with similar educations.)
Here's another whopper. Republicans say public-sector pensions are crippling the nation. They say politicians have given in to the demands of public unions who want only to fatten their members' retirement benefits without the public noticing. They charge that public-employee pensions obligations are out of control.
Some reforms do need to be made. Loopholes that allow public sector workers to "spike" their final salaries in order to get higher annuities must be closed. And no retired public employee should be allowed to "double dip," collecting more than one public pension.
But these are the exceptions. Most public employees don't have generous pensions. After a career with annual pay averaging less than $45,000, the typical newly-retired public employee receives a pension of $19,000 a year. Few would call that overly generous.
And most of that $19,000 isn't even on taxpayers' shoulders. While they're working, most public employees contribute a portion of their salaries into their pension plans. Taxpayers are directly responsible for only about 14 percent of public retirement benefits. Remember also that many public workers aren't covered by Social Security, so the government isn't contributing 6.25 of their pay into the Social Security fund as private employers would.
Yes, there's cause for concern about unfunded pension liabilities in future years. They're way too big. But it's much the same in the private sector. The main reason for underfunded pensions in both public and private sectors is investment losses that occurred during the Great Recession. Before then, public pension funds had an average of 86 percent of all the assets they needed to pay future benefits -- better than many private pension plans.
The solution is no less to slash public pensions than it is to slash private ones. It's for all employers to fully fund their pension plans.
The final Republican canard is that bargaining rights for public employees have caused state deficits to explode. In fact there's no relationship between states whose employees have bargaining rights and states with big deficits. Some states that deny their employees bargaining rights -- Nevada, North Carolina, and Arizona, for example, are running giant deficits of over 30 percent of spending. Many that give employees bargaining rights -- Massachusetts, New Mexico, and Montana -- have small deficits of less than 10 percent.
Public employees should have the right to bargain for better wages and working conditions, just like all employees do. They shouldn't have the right to strike if striking would imperil the public, but they should at least have a voice. They often know more about whether public programs are working, or how to make them work better, than political appointees who hold their offices for only a few years.
Don't get me wrong. When times are tough, public employees should have to make the same sacrifices as everyone else. And they are right now. Pay has been frozen for federal workers, and for many state workers across the country as well.
But isn't it curious that when it comes to sacrifice, Republicans don't include the richest people in America? To the contrary, they insist the rich should sacrifice even less, enjoying even larger tax cuts that expand public-sector deficits. That means fewer public services, and even more pressure on the wages and benefits of public employees.
It's only average workers -- both in the public and the private sectors -- who are being called upon to sacrifice.
This is what the current Republican attack on public-sector workers is really all about. Their version of class warfare is to pit private-sector workers against public servants. They'd rather set average working people against one another -- comparing one group's modest incomes and benefits with another group's modest incomes and benefits -- than have Americans see that the top 1 percent is now raking in a bigger share of national income than at any time since 1928, and paying at a lower tax rate. And Republicans would rather you didn't know they want to cut taxes on the rich even more.
Robert Reich is the author of Aftershock: The Next Economy and America's Future, now in bookstores. This post originally appeared at RobertReich.org.
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