Monday, November 29, 2010

Business Making Money


Affordability: Resources, Not Money



Probably the biggest thing that trips people up when thinking about countercyclical public policy is a misleading over-emphasis on accounting ledger books as the right measure of what can and can’t be afforded. Making sums add up is important, of course, but it’s more helpful to start by thinking about real resources. People’s time, capital goods, raw materials, etc.


Think about the mayor of a mid-sized city presiding over good economic times. Tax revenues are going up, and demands on social services are relatively low. Suddenly the budgetary picture looks very bright and it seems easy to “afford” longer library hours, more frequent bus service, and tax cuts. This, however, is close to backwards. You can’t manufacture librarians or bus drivers. It’s when times are good that it’s most costly to pull human beings out of whatever else they’re doing and have them drive buses. Similarly, it’s when people are flush that extra money in their pockets is going to go to enterprises with low marginal utility.


Then along comes the crash and suddenly the budget looks bleak. Now we “can’t afford” those extra social services and we need higher taxes. But with household budgets tight, the taxes are much more burdensome than they would have been in good times. And the real social cost of having someone work in a library rather than sit at home unemployed is probably below zero.


What you actually ought to be doing is setting the quantity of social services at some level that makes sense across the business cycle. Then during periods of economic growth, taxes should raise more money than you spend. That way thanks to your stockpile you never need to cut services in the face of a recession and in fact can shower your city with tax cuts during a downturn to families can get by. But of course almost no jurisdiction in America actually does engage in this sort of responsible budgeting, and the Reagan and W Bush administrations took the federal government on a wildly different course. This has bad economic consequences on its own terms, and I also think tends to distort the political dialogue. Since budget deficits are “bad,” it’s unintuitive to say that bigger deficits will help in a recession. By contrast I think it’d be easy for people to see why a surplus-accumulating government shouldn’t try to horde even more money at a time when people are struggling. The reality is that nothing magical happens at zero, and what we “can afford” is ultimately determined by how many resources are available not by accountants.







The history of labor as told in a Jewish joke:

In the 50’s parents would brag about their sons or daughters being engineers, lawyers

In the 60’s parents would brag about their sons or daughters having a full-time job with benefits (union job)

In the 70’s parents would brag about their sons or daughters and their spouses having full-time jobs no benefits

In the 80’s parents would brag about their sons or daughters and their spouses having two part-time jobs

In the 90’s parents would brag about their sons or daughters and their spouses having a part-time job

In the 2000 parents would brag about their sons or daughters and their spouse collecting unemployment and delivering pizzas on the side

Today they brag about how handy they are around the house and how they keep the basement clean where they live with their kids.


Wages have become stagnant since the 60’s. Gasoline cost .31 cents a gallon, minimum wage $1.25 1966. Today gas $2.90 minimum wage $7.25

A gallon of (leaded) gas in the United States in 1960 cost only 31 cents! That sounds like an incredible bargain until you factor in inflation.

31 cents in 1960 is equivalent to $2.07 in the year 2007. The national average cost of a gallon of unleaded regular gasoline in 2007 was $2.78, or about a 34% increase over the average price in 1960.

The national average for a gallon of regular gasoline on April 28, 2008 was $3.60. This means that gas prices have increased 82 cents/gallon in the past year alone. This is a 30% real price increase in a single year.

Or looking at it another way, the real increase in gas prices in a single year (from 2007 to 2008) is approximately the same percentage increase as the total increase for the preceding 47 years (1960 to 2007). http://historical.whatitcosts.com/facts-gas.htm

So Americans have less disposable income to spend and it is getting worse every year.




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Actor Leslie Nielsen dies of complications from pneumonia – This <b>...</b>

Actor Leslie Nielsen, best known for his film roles in "Airplane!" and "The Naked Gun" series, died Sunday of complications from pneumonia, his family said. Nielsen died in a hospital near his home in Fort Lauderdale, Florida, ...

<b>News</b> And Notes: 11.29.2010 - Blueshirt Banter

News And Notes: 11.29.2010. ... News And Notes: 11.29.2010. Joe_2_tiny by Joe Fortunato on Nov 29, 2010 10:03 AM EST in Rangers Analysis � Tweet � 0 comments; Story-email Email; Printer Print ...

Apple offers &#39;Cyber Monday&#39; discounts | iLounge <b>News</b>

iLounge news discussing the Apple offers 'Cyber Monday' discounts. Find more Apple news from leading independent iPod, iPhone, and iPad site.


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Saturday, November 27, 2010

web site promotion internet marketing






Random House launched a website Tuesday celebrating the films and television shows that came from its books. Called Words and Film, the site has a lot of Hollywood-produced video (movie trailers), a few interviews with moviemakers and some lists (because the Internet likes lists).


The site brings together the film and TV properties derived from all of its imprints. Random House is the biggest of the Big 6 publishers, a parent to a wide array of publishing arms. Words and Film brings together books published by Knopf (Steig Larsson's "The Girl with the Dragon Tattoo," "Never Let Me Go" by Kasuo Ishiguro), Scholastic ("Harry Potter and the Deathly Hallows" by J.K. Rowling), Ballantine ("Morning Glory" by Diana Peterfreund), Vintage ("Cool It: The Skeptical Environmentalist's Guide to Global Warming" by Bjorn Lomborg) and more.


Or rather, it brings together the movies and TV shows based on those books.


There are two interesting aspects to the site: first, the collapsing of boundaries between imprints, which would generally act independently of one another, doing marketing and promotion book by book. Secondly, it's a new take on the publishing life cycle: In most cases, by the time a movie is released, the initial marketing push around a book is long over. Generally, by the time a book gets to the screen, it's history -- and the screen version brings it new life, and broader reach. So Random House is interrupting the traditional workflow of book promotion to better fit how people consume culture; that seems smart.


But can the editors and contributors to the site, all Random House staffers, bring a critical eye to the film adaptations they're writing about? How many times have you seen a movie version of a beloved novel only to be disappointed? Will the publishers' website ever say something like, "Skip the film, read the book"?


-- Carolyn Kellogg


Video: A video promoting the "Wallander" mystery series on PBS is featured on the Random House website. Author Henning Mankel's "Wallander" series is published by Vintage. Credit: PBS








Random House launched a website Tuesday celebrating the films and television shows that came from its books. Called Words and Film, the site has a lot of Hollywood-produced video (movie trailers), a few interviews with moviemakers and some lists (because the Internet likes lists).


The site brings together the film and TV properties derived from all of its imprints. Random House is the biggest of the Big 6 publishers, a parent to a wide array of publishing arms. Words and Film brings together books published by Knopf (Steig Larsson's "The Girl with the Dragon Tattoo," "Never Let Me Go" by Kasuo Ishiguro), Scholastic ("Harry Potter and the Deathly Hallows" by J.K. Rowling), Ballantine ("Morning Glory" by Diana Peterfreund), Vintage ("Cool It: The Skeptical Environmentalist's Guide to Global Warming" by Bjorn Lomborg) and more.


Or rather, it brings together the movies and TV shows based on those books.


There are two interesting aspects to the site: first, the collapsing of boundaries between imprints, which would generally act independently of one another, doing marketing and promotion book by book. Secondly, it's a new take on the publishing life cycle: In most cases, by the time a movie is released, the initial marketing push around a book is long over. Generally, by the time a book gets to the screen, it's history -- and the screen version brings it new life, and broader reach. So Random House is interrupting the traditional workflow of book promotion to better fit how people consume culture; that seems smart.


But can the editors and contributors to the site, all Random House staffers, bring a critical eye to the film adaptations they're writing about? How many times have you seen a movie version of a beloved novel only to be disappointed? Will the publishers' website ever say something like, "Skip the film, read the book"?


-- Carolyn Kellogg


Video: A video promoting the "Wallander" mystery series on PBS is featured on the Random House website. Author Henning Mankel's "Wallander" series is published by Vintage. Credit: PBS




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Game of the Week PlayStation 3 <b>News</b> - Page 1 | Eurogamer.net

Read our PlayStation 3 news of Game of the Week. ... Gran Turismo 4 vs. Gran Turismo 5 Today 10:56. Gran Turismo 5: Special Stage 720p/1080/3D analysis Today 10:56. Latest News. GT5 update confirmed for Saturday ...

Can Mobile Phones Think?: Tech <b>News</b> «

Nokia's Beta Labs today released a new experimental application called Situations, and it portends a future where context awareness drives the mobile experience, and points to a time when our handsets will do the thinking on our behalf, ...

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 26 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: “MEAGER” IMPACT: Military tension between North and South Korea may have only a “meager” impact on trade between ...


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Game of the Week PlayStation 3 <b>News</b> - Page 1 | Eurogamer.net

Read our PlayStation 3 news of Game of the Week. ... Gran Turismo 4 vs. Gran Turismo 5 Today 10:56. Gran Turismo 5: Special Stage 720p/1080/3D analysis Today 10:56. Latest News. GT5 update confirmed for Saturday ...

Can Mobile Phones Think?: Tech <b>News</b> «

Nokia's Beta Labs today released a new experimental application called Situations, and it portends a future where context awareness drives the mobile experience, and points to a time when our handsets will do the thinking on our behalf, ...

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 26 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: “MEAGER” IMPACT: Military tension between North and South Korea may have only a “meager” impact on trade between ...


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Random House launched a website Tuesday celebrating the films and television shows that came from its books. Called Words and Film, the site has a lot of Hollywood-produced video (movie trailers), a few interviews with moviemakers and some lists (because the Internet likes lists).


The site brings together the film and TV properties derived from all of its imprints. Random House is the biggest of the Big 6 publishers, a parent to a wide array of publishing arms. Words and Film brings together books published by Knopf (Steig Larsson's "The Girl with the Dragon Tattoo," "Never Let Me Go" by Kasuo Ishiguro), Scholastic ("Harry Potter and the Deathly Hallows" by J.K. Rowling), Ballantine ("Morning Glory" by Diana Peterfreund), Vintage ("Cool It: The Skeptical Environmentalist's Guide to Global Warming" by Bjorn Lomborg) and more.


Or rather, it brings together the movies and TV shows based on those books.


There are two interesting aspects to the site: first, the collapsing of boundaries between imprints, which would generally act independently of one another, doing marketing and promotion book by book. Secondly, it's a new take on the publishing life cycle: In most cases, by the time a movie is released, the initial marketing push around a book is long over. Generally, by the time a book gets to the screen, it's history -- and the screen version brings it new life, and broader reach. So Random House is interrupting the traditional workflow of book promotion to better fit how people consume culture; that seems smart.


But can the editors and contributors to the site, all Random House staffers, bring a critical eye to the film adaptations they're writing about? How many times have you seen a movie version of a beloved novel only to be disappointed? Will the publishers' website ever say something like, "Skip the film, read the book"?


-- Carolyn Kellogg


Video: A video promoting the "Wallander" mystery series on PBS is featured on the Random House website. Author Henning Mankel's "Wallander" series is published by Vintage. Credit: PBS








Random House launched a website Tuesday celebrating the films and television shows that came from its books. Called Words and Film, the site has a lot of Hollywood-produced video (movie trailers), a few interviews with moviemakers and some lists (because the Internet likes lists).


The site brings together the film and TV properties derived from all of its imprints. Random House is the biggest of the Big 6 publishers, a parent to a wide array of publishing arms. Words and Film brings together books published by Knopf (Steig Larsson's "The Girl with the Dragon Tattoo," "Never Let Me Go" by Kasuo Ishiguro), Scholastic ("Harry Potter and the Deathly Hallows" by J.K. Rowling), Ballantine ("Morning Glory" by Diana Peterfreund), Vintage ("Cool It: The Skeptical Environmentalist's Guide to Global Warming" by Bjorn Lomborg) and more.


Or rather, it brings together the movies and TV shows based on those books.


There are two interesting aspects to the site: first, the collapsing of boundaries between imprints, which would generally act independently of one another, doing marketing and promotion book by book. Secondly, it's a new take on the publishing life cycle: In most cases, by the time a movie is released, the initial marketing push around a book is long over. Generally, by the time a book gets to the screen, it's history -- and the screen version brings it new life, and broader reach. So Random House is interrupting the traditional workflow of book promotion to better fit how people consume culture; that seems smart.


But can the editors and contributors to the site, all Random House staffers, bring a critical eye to the film adaptations they're writing about? How many times have you seen a movie version of a beloved novel only to be disappointed? Will the publishers' website ever say something like, "Skip the film, read the book"?


-- Carolyn Kellogg


Video: A video promoting the "Wallander" mystery series on PBS is featured on the Random House website. Author Henning Mankel's "Wallander" series is published by Vintage. Credit: PBS




bench craft company scam

Game of the Week PlayStation 3 <b>News</b> - Page 1 | Eurogamer.net

Read our PlayStation 3 news of Game of the Week. ... Gran Turismo 4 vs. Gran Turismo 5 Today 10:56. Gran Turismo 5: Special Stage 720p/1080/3D analysis Today 10:56. Latest News. GT5 update confirmed for Saturday ...

Can Mobile Phones Think?: Tech <b>News</b> «

Nokia's Beta Labs today released a new experimental application called Situations, and it portends a future where context awareness drives the mobile experience, and points to a time when our handsets will do the thinking on our behalf, ...

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 26 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: “MEAGER” IMPACT: Military tension between North and South Korea may have only a “meager” impact on trade between ...


bench craft company scam

Game of the Week PlayStation 3 <b>News</b> - Page 1 | Eurogamer.net

Read our PlayStation 3 news of Game of the Week. ... Gran Turismo 4 vs. Gran Turismo 5 Today 10:56. Gran Turismo 5: Special Stage 720p/1080/3D analysis Today 10:56. Latest News. GT5 update confirmed for Saturday ...

Can Mobile Phones Think?: Tech <b>News</b> «

Nokia's Beta Labs today released a new experimental application called Situations, and it portends a future where context awareness drives the mobile experience, and points to a time when our handsets will do the thinking on our behalf, ...

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 26 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: “MEAGER” IMPACT: Military tension between North and South Korea may have only a “meager” impact on trade between ...


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Friday, November 19, 2010

Making Money Jobs

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cashgift1 by j91romero


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autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inqueries you'd like to get answered, read our small.

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...


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autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inqueries you'd like to get answered, read our small.

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...


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autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inqueries you'd like to get answered, read our small.

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...


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autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inqueries you'd like to get answered, read our small.

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...


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autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inqueries you'd like to get answered, read our small.

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...


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autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inqueries you'd like to get answered, read our small.

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...


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autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inqueries you'd like to get answered, read our small.

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...


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autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inqueries you'd like to get answered, read our small.

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...


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Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inqueries you'd like to get answered, read our small.

Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...


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autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.

<b>News</b> Corp developing a tablet-exclusive publication

News Corp Logo Reuters is reporting that News Corp, the world's third-largest media conglomerate, has confirmed they will be releasing a news publication developed specifically for tablet computers like the iPad. "It's a tablet-only ...

Small Business <b>News</b>: SMB Blogging and Social Media Basics

Far from a fad, a new blogging and social media infrastructure has emerged and is still being built and becoming a part of the new hierarchy can be important to.


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WGN <b>News</b> Anchors Flip Out

WGN News Anchors Flip Out: Chicago news anchors comically go nuts when a bridge implodes the second they cut away from it...

Middle East violence increases « Liveshots

Another cycle of violence in the Middle East as Israel strikes targets in Gaza in retaliation.

Small Business <b>News</b>: SMB Blogging and Social Media Basics

Far from a fad, a new blogging and social media infrastructure has emerged and is still being built and becoming a part of the new hierarchy can be important to.


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Thursday, November 18, 2010

Making Money on Line

eric seiger

PRO FOREX ROBOT by Sleaford Standard Your Photos


eric seiger

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Fox <b>News</b>&#39; Roger Ailes Apologizes for Calling NPR Execs Nazis <b>...</b>

Roger Ailes, the chairman of Fox News, publicly apologized on Thursday for comparing NPR executives to Nazis.

<b>News</b> Corp&#39;s Two Newspaper Tablet Projects are Back on Track

After stories that Rupert Murdoch had binned his adventurous newspaper app project, his son James has said Project Alesia is going ahead, whether other newspapers want their content aggregated or not.


eric seiger

PRO FOREX ROBOT by Sleaford Standard Your Photos


eric seiger

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Fox <b>News</b>&#39; Roger Ailes Apologizes for Calling NPR Execs Nazis <b>...</b>

Roger Ailes, the chairman of Fox News, publicly apologized on Thursday for comparing NPR executives to Nazis.

<b>News</b> Corp&#39;s Two Newspaper Tablet Projects are Back on Track

After stories that Rupert Murdoch had binned his adventurous newspaper app project, his son James has said Project Alesia is going ahead, whether other newspapers want their content aggregated or not.


eric seiger

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Fox <b>News</b>&#39; Roger Ailes Apologizes for Calling NPR Execs Nazis <b>...</b>

Roger Ailes, the chairman of Fox News, publicly apologized on Thursday for comparing NPR executives to Nazis.

<b>News</b> Corp&#39;s Two Newspaper Tablet Projects are Back on Track

After stories that Rupert Murdoch had binned his adventurous newspaper app project, his son James has said Project Alesia is going ahead, whether other newspapers want their content aggregated or not.


eric seiger

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Fox <b>News</b>&#39; Roger Ailes Apologizes for Calling NPR Execs Nazis <b>...</b>

Roger Ailes, the chairman of Fox News, publicly apologized on Thursday for comparing NPR executives to Nazis.

<b>News</b> Corp&#39;s Two Newspaper Tablet Projects are Back on Track

After stories that Rupert Murdoch had binned his adventurous newspaper app project, his son James has said Project Alesia is going ahead, whether other newspapers want their content aggregated or not.


eric seiger
eric seiger

PRO FOREX ROBOT by Sleaford Standard Your Photos


eric seiger
eric seiger

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Fox <b>News</b>&#39; Roger Ailes Apologizes for Calling NPR Execs Nazis <b>...</b>

Roger Ailes, the chairman of Fox News, publicly apologized on Thursday for comparing NPR executives to Nazis.

<b>News</b> Corp&#39;s Two Newspaper Tablet Projects are Back on Track

After stories that Rupert Murdoch had binned his adventurous newspaper app project, his son James has said Project Alesia is going ahead, whether other newspapers want their content aggregated or not.


Wednesday, November 17, 2010

managing your personal finances


A survey released today by Javelin Strategy & Research, which serves financial institutions, found in August that nearly one in five Americans doesn't monitor or manage their personal finances. That rate is double what it was just a year ago. Despite the fact the recession has made it more important than ever to carefully track our money, when it comes to personal finances, 19% of Americans stuck their head in the sand. A year before, another survey had the figure at just 8%.



More anxiety-induced news: The percentage of Americans who say they sometimes log onto their checking account balances with their banks' websites dropped to 46%, down 13 points from 59% a year ago. Even those who track their money by pen and paper dropped, from 50% to 46%.




"It's a natural human reaction to stress: 'Maybe if I don't look at it, it will go away.'" explains the study's co-author, senior analyst Mark Schwanhausser. "I think you have fewer people checking their finances online because they don't like what they're seeing. 'I'm going to be a financial sleepwalker. I'm not going to look.'"



Schwanhausser's prescription for the problem involves convincing America's major financial institutions that they're doing a lousy job helping make it easier and less stressful for their customers to track their money. "It's not enough to tell you how to fix the toilet," he says. "You've got to have the wrench."



Yet despite the fact that most Americans' money resides at a bank, few banks are interested in furnishing financial planning tools. Right now, Schwanhausser argues, most people are required to log into a wide variety of websites to track their money. For example, 75% of Americans who have a credit card get it from somewhere other than their primary bank, meaning their finances are scattered across many websites, unreconciled.



When people do turn to their bank's websites, he argues, the financial planning tools are nearly non-existent despite the fact our society increasingly demands greater personal control through technology. "Today's online banking is like having avocado green appliances from the 1970s. It just doesn't cut it," says Schwanhausser.



Schwanhausser is using the survey to convince banks that it will actually endear customers to them if they put personal finance tools front and center on their sites, helping customers paint a clear picture of their own financial habits. He's pressing them to develop systems, both on the Web and through mobile apps, that can draw in customers' information from other sites, such as credit cards and mortgage lenders, so financial care-taking can be a one-stop process.



So far, banks and lenders have been slow to use existing technology to make money management a less daunting chore. Part of the issue is that many banks don't want to acknowledge competitors by drawing in account balances from elsewhere. Banks also stand to make money off poor financial planning through penalties and fees. Like a doctor who makes money off treating disease, promoting financial good health does not on the surface appear to be in a bank's best interest.



"You can't manage what you don't measure," says Schwanhausser. "And if the bank's not going to provide it for you, you have to go get it in other places."



He recommends existing aggregators such as Mint.com, which pulls your data from multiple sources and lays it out in spreadsheets and in spending plans, as a model for what all the banks should be doing for their customers.



He also notes that Bank of America's "My Portfolio" and Wells Fargo's "My Savings Plan" are two fledgling, if little-known, bank-created features that are slowly reaching toward the sort of comprehensive personal finance planning features he advocates.



As long as it remains difficult or scary, though, when it comes to their finances, Americans will remain more likely to use the Ostrich Method.

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

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How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

style="text-align: center;">

Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

style="text-align: center;">

Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

style="text-align: center;">

A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

style="text-align: center;">

To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

style="text-align: center;">

Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema


alpine payment systems scam

<b>News</b> Corp. iPad Venture Fishing In Wrong Pond | paidContent

Another day, another hire at News Corp.'s super-duper secret iPad venture dubbed The Daily—and another reason to question whether this is going to be yet another wobbly Rupert Murdoch digital-news enterprise. ...

Movie <b>News</b> Quick Hits: &#39;Paranormal Activity 3&#39; Gets a Release Date <b>...</b>

This 'Toy Story' Engagement Ring Box is just too adorable. - It shouldn't be much of a surprise, but Oren Peli has confirmed that 'Paranormal.

Video: Is Cable <b>News</b> Actually <b>News</b>? - NYTimes.com

Video: Pondering the value and integrity of cable news.



Quicken Home &amp; Business 2008: Manage both your personal and business finances together in one place by Quicken Online


<b>News</b> Corp. iPad Venture Fishing In Wrong Pond | paidContent

Another day, another hire at News Corp.'s super-duper secret iPad venture dubbed The Daily—and another reason to question whether this is going to be yet another wobbly Rupert Murdoch digital-news enterprise. ...

Movie <b>News</b> Quick Hits: &#39;Paranormal Activity 3&#39; Gets a Release Date <b>...</b>

This 'Toy Story' Engagement Ring Box is just too adorable. - It shouldn't be much of a surprise, but Oren Peli has confirmed that 'Paranormal.

Video: Is Cable <b>News</b> Actually <b>News</b>? - NYTimes.com

Video: Pondering the value and integrity of cable news.


alpine payment systems scam

<b>News</b> Corp. iPad Venture Fishing In Wrong Pond | paidContent

Another day, another hire at News Corp.'s super-duper secret iPad venture dubbed The Daily—and another reason to question whether this is going to be yet another wobbly Rupert Murdoch digital-news enterprise. ...

Movie <b>News</b> Quick Hits: &#39;Paranormal Activity 3&#39; Gets a Release Date <b>...</b>

This 'Toy Story' Engagement Ring Box is just too adorable. - It shouldn't be much of a surprise, but Oren Peli has confirmed that 'Paranormal.

Video: Is Cable <b>News</b> Actually <b>News</b>? - NYTimes.com

Video: Pondering the value and integrity of cable news.


Making Money Scam

style="text-align: center;">

/> [style="text-decoration: underline;">Ed. note: This post is authored by Evan Jowers and Robert Kinney of Kinney Recruiting, sponsor of the Asia Chronicles. Kinney has made more placements of U.S. associates and partners in Asia than any other firm in the past four years. You can reach them by email: asia at kinneyrecruiting dot com.]

Evan here. Please note that Robert Kinney and I will be back in Hong Kong all next week for meetings. Although our schedule is tight, we can fit in some meetings with prospective biglaw or in-house candidates. Feel free to reach out to us at asia@kinneyrecruiting.com.

In just the past few weeks, we have seen a noticeable rise in the expat / cola allowances for US associates at some of the most competitive group of US and UK firms in HK / China. In fact , it appears that for the first time $80,000 may be taking hold as the eventual standard in HK / China. For the past several years, while there were anywhere from zero to four firms paying as much as $80,000 expat / cola for associates with no children, most of the top US and UK firms remained in the $60,000 to $65,000 allowance range. The competitive range continues to be $60,000 to $80,000, but more firms are at the top of that range than ever before in HK / China. Further, two top US firms pay $90,000 expat / cola (although one of those has tax equalization on the base).

While there has been already a trend in ‘10 for a number of the US and UK firms with less competitive expat / cola allowances to step it up (see http://www.theasiachronicles.com/archives/2264), there has until very recently not been much movement in the competitive group, most of which have allowances in the mid $60,000’s (keep in mind that many major US and UK firms are still not in that competitive expat allowance range of $60,000 plus, but the size of that group is becoming smaller). id="more-43156">

Further, we are seeing a trend this year of the top US and UK firms paying their US associates in mainland China the same expat allowance as their US associates in HK receive (some firms still give a smaller allowance in the mainland than in HK, but we are seeing this much less often than in previous years).

Two of our four placements in HK / China last week received expat / allowance at $80,000 and we are aware of a few firms recently raising their allowance from the mid $60,000’s to $80,000. Further, at firms where expat / cola is determined on a case-by-case basis (up until this year, that has almost always meant a very low allowance or no allowance), we are seeing a surprising trend for top market expat / cola being offered. For example, two of our recent placements in HK received $80,000 and $70,000 expat / cola, respectively, in HK at firms which have only recently started to pay competitive expat / cola consistently and which determine allowances on a case-by-case basis. Sure, there was negotiation involved and those two new hires had leverage due to being extremely marketable, but the allowances offered were well above market.

In only the past couple of weeks two of our firm clients have raised their expat allowances from $65,000 to $80,000 USD in HK / China, near top market, and other firms are considering doing the same. This is not a surprise, considering the competition now for the best US associate candidates on the market is fierce. A number of firms have reached out to us for help keeping up with the changing expat / cola numbers in the market, due to rumors going around that some top firms are raising their allowances.

As recently as mid ’09, the highest US associate expat allowance in HK / China biglaw lowered to $70,000 (for associates with no children), after the two firms that were paying $80,000 allowances dropped to $65,000. Before the global economic downturn hit China in late ’08, the expat allowances in HK / China had been on a steady rise, with many firms doubling their allowance over a period of just a few years. But in ’09, even as the China IPO market rebounded dramatically in midyear, expat allowances were taking a small step back. It appears now that expat allowances are on the rise again, due to the competition heating up among top US and UK firms for the best US corporate / cap markets associates on the market, both those coming from the US and those already in HK / China.


An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.



The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.
benchcraft company scam

The American Spectator : AmSpecBlog : Fox <b>News</b> Contributors Mock <b>...</b>

On the video, Miller, Trotter, Scott, Newsday columnist Ellis Henican and Fox News contributor James Pinkerton are seen preparing to go on the air when Miller says, "Oh, I do have something to say about Palin. I even prepared it. ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML

The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...


benchcraft company scam
style="text-align: center;">

/> [style="text-decoration: underline;">Ed. note: This post is authored by Evan Jowers and Robert Kinney of Kinney Recruiting, sponsor of the Asia Chronicles. Kinney has made more placements of U.S. associates and partners in Asia than any other firm in the past four years. You can reach them by email: asia at kinneyrecruiting dot com.]

Evan here. Please note that Robert Kinney and I will be back in Hong Kong all next week for meetings. Although our schedule is tight, we can fit in some meetings with prospective biglaw or in-house candidates. Feel free to reach out to us at asia@kinneyrecruiting.com.

In just the past few weeks, we have seen a noticeable rise in the expat / cola allowances for US associates at some of the most competitive group of US and UK firms in HK / China. In fact , it appears that for the first time $80,000 may be taking hold as the eventual standard in HK / China. For the past several years, while there were anywhere from zero to four firms paying as much as $80,000 expat / cola for associates with no children, most of the top US and UK firms remained in the $60,000 to $65,000 allowance range. The competitive range continues to be $60,000 to $80,000, but more firms are at the top of that range than ever before in HK / China. Further, two top US firms pay $90,000 expat / cola (although one of those has tax equalization on the base).

While there has been already a trend in ‘10 for a number of the US and UK firms with less competitive expat / cola allowances to step it up (see http://www.theasiachronicles.com/archives/2264), there has until very recently not been much movement in the competitive group, most of which have allowances in the mid $60,000’s (keep in mind that many major US and UK firms are still not in that competitive expat allowance range of $60,000 plus, but the size of that group is becoming smaller). id="more-43156">

Further, we are seeing a trend this year of the top US and UK firms paying their US associates in mainland China the same expat allowance as their US associates in HK receive (some firms still give a smaller allowance in the mainland than in HK, but we are seeing this much less often than in previous years).

Two of our four placements in HK / China last week received expat / allowance at $80,000 and we are aware of a few firms recently raising their allowance from the mid $60,000’s to $80,000. Further, at firms where expat / cola is determined on a case-by-case basis (up until this year, that has almost always meant a very low allowance or no allowance), we are seeing a surprising trend for top market expat / cola being offered. For example, two of our recent placements in HK received $80,000 and $70,000 expat / cola, respectively, in HK at firms which have only recently started to pay competitive expat / cola consistently and which determine allowances on a case-by-case basis. Sure, there was negotiation involved and those two new hires had leverage due to being extremely marketable, but the allowances offered were well above market.

In only the past couple of weeks two of our firm clients have raised their expat allowances from $65,000 to $80,000 USD in HK / China, near top market, and other firms are considering doing the same. This is not a surprise, considering the competition now for the best US associate candidates on the market is fierce. A number of firms have reached out to us for help keeping up with the changing expat / cola numbers in the market, due to rumors going around that some top firms are raising their allowances.

As recently as mid ’09, the highest US associate expat allowance in HK / China biglaw lowered to $70,000 (for associates with no children), after the two firms that were paying $80,000 allowances dropped to $65,000. Before the global economic downturn hit China in late ’08, the expat allowances in HK / China had been on a steady rise, with many firms doubling their allowance over a period of just a few years. But in ’09, even as the China IPO market rebounded dramatically in midyear, expat allowances were taking a small step back. It appears now that expat allowances are on the rise again, due to the competition heating up among top US and UK firms for the best US corporate / cap markets associates on the market, both those coming from the US and those already in HK / China.


An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.



The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.
benchcraft company scam

The American Spectator : AmSpecBlog : Fox <b>News</b> Contributors Mock <b>...</b>

On the video, Miller, Trotter, Scott, Newsday columnist Ellis Henican and Fox News contributor James Pinkerton are seen preparing to go on the air when Miller says, "Oh, I do have something to say about Palin. I even prepared it. ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML

The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...


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bench craft company scam

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benchcraft company scam

The American Spectator : AmSpecBlog : Fox <b>News</b> Contributors Mock <b>...</b>

On the video, Miller, Trotter, Scott, Newsday columnist Ellis Henican and Fox News contributor James Pinkerton are seen preparing to go on the air when Miller says, "Oh, I do have something to say about Palin. I even prepared it. ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML

The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...


bench craft company scam
style="text-align: center;">

/> [style="text-decoration: underline;">Ed. note: This post is authored by Evan Jowers and Robert Kinney of Kinney Recruiting, sponsor of the Asia Chronicles. Kinney has made more placements of U.S. associates and partners in Asia than any other firm in the past four years. You can reach them by email: asia at kinneyrecruiting dot com.]

Evan here. Please note that Robert Kinney and I will be back in Hong Kong all next week for meetings. Although our schedule is tight, we can fit in some meetings with prospective biglaw or in-house candidates. Feel free to reach out to us at asia@kinneyrecruiting.com.

In just the past few weeks, we have seen a noticeable rise in the expat / cola allowances for US associates at some of the most competitive group of US and UK firms in HK / China. In fact , it appears that for the first time $80,000 may be taking hold as the eventual standard in HK / China. For the past several years, while there were anywhere from zero to four firms paying as much as $80,000 expat / cola for associates with no children, most of the top US and UK firms remained in the $60,000 to $65,000 allowance range. The competitive range continues to be $60,000 to $80,000, but more firms are at the top of that range than ever before in HK / China. Further, two top US firms pay $90,000 expat / cola (although one of those has tax equalization on the base).

While there has been already a trend in ‘10 for a number of the US and UK firms with less competitive expat / cola allowances to step it up (see http://www.theasiachronicles.com/archives/2264), there has until very recently not been much movement in the competitive group, most of which have allowances in the mid $60,000’s (keep in mind that many major US and UK firms are still not in that competitive expat allowance range of $60,000 plus, but the size of that group is becoming smaller). id="more-43156">

Further, we are seeing a trend this year of the top US and UK firms paying their US associates in mainland China the same expat allowance as their US associates in HK receive (some firms still give a smaller allowance in the mainland than in HK, but we are seeing this much less often than in previous years).

Two of our four placements in HK / China last week received expat / allowance at $80,000 and we are aware of a few firms recently raising their allowance from the mid $60,000’s to $80,000. Further, at firms where expat / cola is determined on a case-by-case basis (up until this year, that has almost always meant a very low allowance or no allowance), we are seeing a surprising trend for top market expat / cola being offered. For example, two of our recent placements in HK received $80,000 and $70,000 expat / cola, respectively, in HK at firms which have only recently started to pay competitive expat / cola consistently and which determine allowances on a case-by-case basis. Sure, there was negotiation involved and those two new hires had leverage due to being extremely marketable, but the allowances offered were well above market.

In only the past couple of weeks two of our firm clients have raised their expat allowances from $65,000 to $80,000 USD in HK / China, near top market, and other firms are considering doing the same. This is not a surprise, considering the competition now for the best US associate candidates on the market is fierce. A number of firms have reached out to us for help keeping up with the changing expat / cola numbers in the market, due to rumors going around that some top firms are raising their allowances.

As recently as mid ’09, the highest US associate expat allowance in HK / China biglaw lowered to $70,000 (for associates with no children), after the two firms that were paying $80,000 allowances dropped to $65,000. Before the global economic downturn hit China in late ’08, the expat allowances in HK / China had been on a steady rise, with many firms doubling their allowance over a period of just a few years. But in ’09, even as the China IPO market rebounded dramatically in midyear, expat allowances were taking a small step back. It appears now that expat allowances are on the rise again, due to the competition heating up among top US and UK firms for the best US corporate / cap markets associates on the market, both those coming from the US and those already in HK / China.


An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.



The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.
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The American Spectator : AmSpecBlog : Fox <b>News</b> Contributors Mock <b>...</b>

On the video, Miller, Trotter, Scott, Newsday columnist Ellis Henican and Fox News contributor James Pinkerton are seen preparing to go on the air when Miller says, "Oh, I do have something to say about Palin. I even prepared it. ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML

The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...


bench craft company scam

imelite IM ELITE Reviews Reviewed SCAM membership alex shelton george brown facebook bonus review launch internet marketing make money online business strategy my by IM Elite Review


benchcraft company scam

The American Spectator : AmSpecBlog : Fox <b>News</b> Contributors Mock <b>...</b>

On the video, Miller, Trotter, Scott, Newsday columnist Ellis Henican and Fox News contributor James Pinkerton are seen preparing to go on the air when Miller says, "Oh, I do have something to say about Palin. I even prepared it. ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML

The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...


bench craft company scam

The American Spectator : AmSpecBlog : Fox <b>News</b> Contributors Mock <b>...</b>

On the video, Miller, Trotter, Scott, Newsday columnist Ellis Henican and Fox News contributor James Pinkerton are seen preparing to go on the air when Miller says, "Oh, I do have something to say about Palin. I even prepared it. ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML

The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...


bench craft company scam

The American Spectator : AmSpecBlog : Fox <b>News</b> Contributors Mock <b>...</b>

On the video, Miller, Trotter, Scott, Newsday columnist Ellis Henican and Fox News contributor James Pinkerton are seen preparing to go on the air when Miller says, "Oh, I do have something to say about Palin. I even prepared it. ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML

The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...


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bench craft company scam

imelite IM ELITE Reviews Reviewed SCAM membership alex shelton george brown facebook bonus review launch internet marketing make money online business strategy my by IM Elite Review


bench craft company scam

Tuesday, November 16, 2010

Making Internet Money



TV is coming to the Web and there is nothing that can stop it. Just ask Avner Ronen, the CEO of Web TV startup Boxee. Later tonight, he will announce the general availability of his Boxee Box, a small device you hook up to your TV and the Internet so you can watch video from the Web on your TV. The videos come not only from YouTube, but also from ABC.com, NBC.com, CBS.com, Comedy Central, and many other video sites on the Web. I visited Ronen today at his New York City offices where he gave me a demo of the Boxee Box (more on that in a later post), but we also got into a very interesting discussion about how the major TV networks and media companies are reacting to seeing their Web videos increasingly turning up on large-screen TVs.


As he describes in the video below, Ronen argues that the media companies should be more consistent: either charge for videos on the Web or make it free, or go for the freemium model and offer premium video watching experiences on devices like Boxee and the iPad or an additional fee. He reveals that Boxee is working on a payments platform to support such subscription business models on the Boxee service. Furthermore, Hulu Plus will become available on Boxee as a paid option. Yup, the same Hulu that previously blocked Boxee


It is not a foregone conclusion that the media companies who control the most popular TV shows and movies will play along. Just last month, when Google launched its competing Google TV, it was almost immediately blocked by the major TV networks even though it was simply grabbing video freely available on the Web. Hulu also blocked Google TV. Effectively, the media industry is now discriminating based on device and what kind of browser you are using.


Why wouldn’t they do exactly the same thing to the Boxee Box? “I think that is a reasonable assumption to make,” admits Ronen. But he believes that eventually they will come around. “Our view is that ultimately it does not make sense for content owners to discriminate based on browsers and screen size. It is an endless battle. ”


I pointed out that what seems to be happening instead is that the TV networks and movie studios are trying to replicate the business model of cable TV on the Web, by granting access only to services which pay them hefty fees like Netflix does (to the tune of an estimated $2 billion next year).


Ronen is actually fine with making people pay for content, and in fact says that he will make one-click payments part of the Boxee service itself. Next year,” he reveals, “we will launch a payments platform on Boxee. With one click you will be able to subscribe. We think that will be part of the solution.” You can watch videos behind Web paywalls today on Boxee, but you have to enter a different username and password for each site. Boxee’s payment service would be single sign-on and manage all the subscriptions in one place.


What he suggests is a classic freemium model. If you want new shows and videos as soon as they come out in HD, you pay a few bucks a month to NBC or HBO and you can watch those shows on Boxee, your iPad, your computer or anywhere you want. Then a week or so later, it comes out free on the Web in standard definition with ads. The we-support-subscriptions argument is also one the Google TV folks are making.


The media companies are fine with Netflix streaming their movies and shows because Netflix pays them a bunch of money. But where their model breaks down is that often they offer the same TV shows on their own Websites for free. “While they are comfortable with the Netflix model, they are not comfortable with their own services online. I think it is better if they have an online business model that they believe in.”


Watch the shaky-cam video below for more of his thoughts on the matter.



Due diligence should always be a two-way street. A while back, I published an article on “Understanding the Dreaded Investor Due Diligence,” describing what investors do to validate your startup before they invest. Here is the inverse, sometimes called reverse due diligence, describing what you should do to validate your investor before signing up for an equity partnership.


I’ve had startup founders tell me that it’s only about the color of the money, but I disagree. Particularly if you are desperate, keep in mind the person who finds a good-looking partner to take home from the bar at closing time, but then wakes up in the morning wondering “What did I just do?” Taking on an investor is like getting married – the relationship has to work at all levels.


Due diligence on an investor is where you validate the track record, operating style, and motivation of your new potential partner. Maybe more importantly, you need to confirm that the investor “chemistry” matches yours. Here are some techniques for making the assessment:



  1. Talk to other investors. The investment community in any geographic area is not that large, and most investors have relationships or knowledge of most of the others. Of course, you need to listen for biases, but local angel group leaders can quickly tell you who the bad angels and good angels are, and what kind of terms they typically demand.

  2. Network with other entrepreneurs. Contact peers you have met through networking, both ones who have used this investor, and ones who haven’t. Ask the investor for “references,” meaning contacts at companies where previous investments were made. Don’t just call, but personally visit these contacts.

  3. Check track record on the Internet and social network. Do a simple Google search like you would on any company or individual before signing a contract. Look for positive or negative news articles, any controversial relationships, and involvement in community organizations. Check the profile of principals on LinkedIn and Facebook.

  4. Spend time with investors in a non-work environment. As with any relationship, don’t just close the deal in a heated rush. Invite the investment principal to a sports event, or join them in helping at a non-profit cause. Here is where you will really learn if there is a chemistry match that will likely lead to a good mentoring and business relationship.

  5. Validate business and financial status. Visit the firm’s website and read it carefully. Look for a background and experience in your industry, as well as quality and style. Conduct a routine credit and criminal check, using commercial services like HireRight. Be wary of individuals or funds sourced from offshore.


If you think all this sounds a bit sinister and unnecessary, go back and read again some of the articles about Bernie Madoff and recent investment scams. Remember, if it sounds too good to be true, it probably isn’t true. Entrepreneurs are optimists by nature, so I definitely recommend the involvement of your favorite attorney (usually the pessimist).


I recognize that it has been tough to raise capital these last couple of years, but don’t be tempted to take money from any source. This can be a big mistake, with common complaints running the gamut from unreasonable terms, constant pressure, to company takeovers. Be vigilant and ask questions.


A successful entrepreneur-investor agreement better be the beginning of a long-term relationship. If you don’t feel excited and energized by your first discussions with an investor, give it some time and do your homework. If the feeling doesn’t grow, it may be time to move on. It’s better to be alone than to wish you were alone.


Martin Zwilling is CEO & Founder of Startup Professionals, Inc.; he also serves as Board Member and Executive in Residence at Callaman Ventures and is an advisory board member for multiple startups.This post was originally published on his blog, and it is republished here with permission.


eric seiger

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

First Solar <b>News</b>, Rumors: CIGS, Mercury, Tellurium : Greentech Media

First the news... Apollo Solar Energy (OTC: ASOE), a vertically integrated miner, refiner and producer of high purity tellurium (Te), announced a five-year purchase contract between Apollo Solar Energy and a major worldwide solar panel ...


eric seiger


TV is coming to the Web and there is nothing that can stop it. Just ask Avner Ronen, the CEO of Web TV startup Boxee. Later tonight, he will announce the general availability of his Boxee Box, a small device you hook up to your TV and the Internet so you can watch video from the Web on your TV. The videos come not only from YouTube, but also from ABC.com, NBC.com, CBS.com, Comedy Central, and many other video sites on the Web. I visited Ronen today at his New York City offices where he gave me a demo of the Boxee Box (more on that in a later post), but we also got into a very interesting discussion about how the major TV networks and media companies are reacting to seeing their Web videos increasingly turning up on large-screen TVs.


As he describes in the video below, Ronen argues that the media companies should be more consistent: either charge for videos on the Web or make it free, or go for the freemium model and offer premium video watching experiences on devices like Boxee and the iPad or an additional fee. He reveals that Boxee is working on a payments platform to support such subscription business models on the Boxee service. Furthermore, Hulu Plus will become available on Boxee as a paid option. Yup, the same Hulu that previously blocked Boxee


It is not a foregone conclusion that the media companies who control the most popular TV shows and movies will play along. Just last month, when Google launched its competing Google TV, it was almost immediately blocked by the major TV networks even though it was simply grabbing video freely available on the Web. Hulu also blocked Google TV. Effectively, the media industry is now discriminating based on device and what kind of browser you are using.


Why wouldn’t they do exactly the same thing to the Boxee Box? “I think that is a reasonable assumption to make,” admits Ronen. But he believes that eventually they will come around. “Our view is that ultimately it does not make sense for content owners to discriminate based on browsers and screen size. It is an endless battle. ”


I pointed out that what seems to be happening instead is that the TV networks and movie studios are trying to replicate the business model of cable TV on the Web, by granting access only to services which pay them hefty fees like Netflix does (to the tune of an estimated $2 billion next year).


Ronen is actually fine with making people pay for content, and in fact says that he will make one-click payments part of the Boxee service itself. Next year,” he reveals, “we will launch a payments platform on Boxee. With one click you will be able to subscribe. We think that will be part of the solution.” You can watch videos behind Web paywalls today on Boxee, but you have to enter a different username and password for each site. Boxee’s payment service would be single sign-on and manage all the subscriptions in one place.


What he suggests is a classic freemium model. If you want new shows and videos as soon as they come out in HD, you pay a few bucks a month to NBC or HBO and you can watch those shows on Boxee, your iPad, your computer or anywhere you want. Then a week or so later, it comes out free on the Web in standard definition with ads. The we-support-subscriptions argument is also one the Google TV folks are making.


The media companies are fine with Netflix streaming their movies and shows because Netflix pays them a bunch of money. But where their model breaks down is that often they offer the same TV shows on their own Websites for free. “While they are comfortable with the Netflix model, they are not comfortable with their own services online. I think it is better if they have an online business model that they believe in.”


Watch the shaky-cam video below for more of his thoughts on the matter.



Due diligence should always be a two-way street. A while back, I published an article on “Understanding the Dreaded Investor Due Diligence,” describing what investors do to validate your startup before they invest. Here is the inverse, sometimes called reverse due diligence, describing what you should do to validate your investor before signing up for an equity partnership.


I’ve had startup founders tell me that it’s only about the color of the money, but I disagree. Particularly if you are desperate, keep in mind the person who finds a good-looking partner to take home from the bar at closing time, but then wakes up in the morning wondering “What did I just do?” Taking on an investor is like getting married – the relationship has to work at all levels.


Due diligence on an investor is where you validate the track record, operating style, and motivation of your new potential partner. Maybe more importantly, you need to confirm that the investor “chemistry” matches yours. Here are some techniques for making the assessment:



  1. Talk to other investors. The investment community in any geographic area is not that large, and most investors have relationships or knowledge of most of the others. Of course, you need to listen for biases, but local angel group leaders can quickly tell you who the bad angels and good angels are, and what kind of terms they typically demand.

  2. Network with other entrepreneurs. Contact peers you have met through networking, both ones who have used this investor, and ones who haven’t. Ask the investor for “references,” meaning contacts at companies where previous investments were made. Don’t just call, but personally visit these contacts.

  3. Check track record on the Internet and social network. Do a simple Google search like you would on any company or individual before signing a contract. Look for positive or negative news articles, any controversial relationships, and involvement in community organizations. Check the profile of principals on LinkedIn and Facebook.

  4. Spend time with investors in a non-work environment. As with any relationship, don’t just close the deal in a heated rush. Invite the investment principal to a sports event, or join them in helping at a non-profit cause. Here is where you will really learn if there is a chemistry match that will likely lead to a good mentoring and business relationship.

  5. Validate business and financial status. Visit the firm’s website and read it carefully. Look for a background and experience in your industry, as well as quality and style. Conduct a routine credit and criminal check, using commercial services like HireRight. Be wary of individuals or funds sourced from offshore.


If you think all this sounds a bit sinister and unnecessary, go back and read again some of the articles about Bernie Madoff and recent investment scams. Remember, if it sounds too good to be true, it probably isn’t true. Entrepreneurs are optimists by nature, so I definitely recommend the involvement of your favorite attorney (usually the pessimist).


I recognize that it has been tough to raise capital these last couple of years, but don’t be tempted to take money from any source. This can be a big mistake, with common complaints running the gamut from unreasonable terms, constant pressure, to company takeovers. Be vigilant and ask questions.


A successful entrepreneur-investor agreement better be the beginning of a long-term relationship. If you don’t feel excited and energized by your first discussions with an investor, give it some time and do your homework. If the feeling doesn’t grow, it may be time to move on. It’s better to be alone than to wish you were alone.


Martin Zwilling is CEO & Founder of Startup Professionals, Inc.; he also serves as Board Member and Executive in Residence at Callaman Ventures and is an advisory board member for multiple startups.This post was originally published on his blog, and it is republished here with permission.


eric seiger

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

First Solar <b>News</b>, Rumors: CIGS, Mercury, Tellurium : Greentech Media

First the news... Apollo Solar Energy (OTC: ASOE), a vertically integrated miner, refiner and producer of high purity tellurium (Te), announced a five-year purchase contract between Apollo Solar Energy and a major worldwide solar panel ...


eric seiger

eric seiger

internet marketing services by zonecrest


eric seiger

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

First Solar <b>News</b>, Rumors: CIGS, Mercury, Tellurium : Greentech Media

First the news... Apollo Solar Energy (OTC: ASOE), a vertically integrated miner, refiner and producer of high purity tellurium (Te), announced a five-year purchase contract between Apollo Solar Energy and a major worldwide solar panel ...


eric seiger


TV is coming to the Web and there is nothing that can stop it. Just ask Avner Ronen, the CEO of Web TV startup Boxee. Later tonight, he will announce the general availability of his Boxee Box, a small device you hook up to your TV and the Internet so you can watch video from the Web on your TV. The videos come not only from YouTube, but also from ABC.com, NBC.com, CBS.com, Comedy Central, and many other video sites on the Web. I visited Ronen today at his New York City offices where he gave me a demo of the Boxee Box (more on that in a later post), but we also got into a very interesting discussion about how the major TV networks and media companies are reacting to seeing their Web videos increasingly turning up on large-screen TVs.


As he describes in the video below, Ronen argues that the media companies should be more consistent: either charge for videos on the Web or make it free, or go for the freemium model and offer premium video watching experiences on devices like Boxee and the iPad or an additional fee. He reveals that Boxee is working on a payments platform to support such subscription business models on the Boxee service. Furthermore, Hulu Plus will become available on Boxee as a paid option. Yup, the same Hulu that previously blocked Boxee


It is not a foregone conclusion that the media companies who control the most popular TV shows and movies will play along. Just last month, when Google launched its competing Google TV, it was almost immediately blocked by the major TV networks even though it was simply grabbing video freely available on the Web. Hulu also blocked Google TV. Effectively, the media industry is now discriminating based on device and what kind of browser you are using.


Why wouldn’t they do exactly the same thing to the Boxee Box? “I think that is a reasonable assumption to make,” admits Ronen. But he believes that eventually they will come around. “Our view is that ultimately it does not make sense for content owners to discriminate based on browsers and screen size. It is an endless battle. ”


I pointed out that what seems to be happening instead is that the TV networks and movie studios are trying to replicate the business model of cable TV on the Web, by granting access only to services which pay them hefty fees like Netflix does (to the tune of an estimated $2 billion next year).


Ronen is actually fine with making people pay for content, and in fact says that he will make one-click payments part of the Boxee service itself. Next year,” he reveals, “we will launch a payments platform on Boxee. With one click you will be able to subscribe. We think that will be part of the solution.” You can watch videos behind Web paywalls today on Boxee, but you have to enter a different username and password for each site. Boxee’s payment service would be single sign-on and manage all the subscriptions in one place.


What he suggests is a classic freemium model. If you want new shows and videos as soon as they come out in HD, you pay a few bucks a month to NBC or HBO and you can watch those shows on Boxee, your iPad, your computer or anywhere you want. Then a week or so later, it comes out free on the Web in standard definition with ads. The we-support-subscriptions argument is also one the Google TV folks are making.


The media companies are fine with Netflix streaming their movies and shows because Netflix pays them a bunch of money. But where their model breaks down is that often they offer the same TV shows on their own Websites for free. “While they are comfortable with the Netflix model, they are not comfortable with their own services online. I think it is better if they have an online business model that they believe in.”


Watch the shaky-cam video below for more of his thoughts on the matter.



Due diligence should always be a two-way street. A while back, I published an article on “Understanding the Dreaded Investor Due Diligence,” describing what investors do to validate your startup before they invest. Here is the inverse, sometimes called reverse due diligence, describing what you should do to validate your investor before signing up for an equity partnership.


I’ve had startup founders tell me that it’s only about the color of the money, but I disagree. Particularly if you are desperate, keep in mind the person who finds a good-looking partner to take home from the bar at closing time, but then wakes up in the morning wondering “What did I just do?” Taking on an investor is like getting married – the relationship has to work at all levels.


Due diligence on an investor is where you validate the track record, operating style, and motivation of your new potential partner. Maybe more importantly, you need to confirm that the investor “chemistry” matches yours. Here are some techniques for making the assessment:



  1. Talk to other investors. The investment community in any geographic area is not that large, and most investors have relationships or knowledge of most of the others. Of course, you need to listen for biases, but local angel group leaders can quickly tell you who the bad angels and good angels are, and what kind of terms they typically demand.

  2. Network with other entrepreneurs. Contact peers you have met through networking, both ones who have used this investor, and ones who haven’t. Ask the investor for “references,” meaning contacts at companies where previous investments were made. Don’t just call, but personally visit these contacts.

  3. Check track record on the Internet and social network. Do a simple Google search like you would on any company or individual before signing a contract. Look for positive or negative news articles, any controversial relationships, and involvement in community organizations. Check the profile of principals on LinkedIn and Facebook.

  4. Spend time with investors in a non-work environment. As with any relationship, don’t just close the deal in a heated rush. Invite the investment principal to a sports event, or join them in helping at a non-profit cause. Here is where you will really learn if there is a chemistry match that will likely lead to a good mentoring and business relationship.

  5. Validate business and financial status. Visit the firm’s website and read it carefully. Look for a background and experience in your industry, as well as quality and style. Conduct a routine credit and criminal check, using commercial services like HireRight. Be wary of individuals or funds sourced from offshore.


If you think all this sounds a bit sinister and unnecessary, go back and read again some of the articles about Bernie Madoff and recent investment scams. Remember, if it sounds too good to be true, it probably isn’t true. Entrepreneurs are optimists by nature, so I definitely recommend the involvement of your favorite attorney (usually the pessimist).


I recognize that it has been tough to raise capital these last couple of years, but don’t be tempted to take money from any source. This can be a big mistake, with common complaints running the gamut from unreasonable terms, constant pressure, to company takeovers. Be vigilant and ask questions.


A successful entrepreneur-investor agreement better be the beginning of a long-term relationship. If you don’t feel excited and energized by your first discussions with an investor, give it some time and do your homework. If the feeling doesn’t grow, it may be time to move on. It’s better to be alone than to wish you were alone.


Martin Zwilling is CEO & Founder of Startup Professionals, Inc.; he also serves as Board Member and Executive in Residence at Callaman Ventures and is an advisory board member for multiple startups.This post was originally published on his blog, and it is republished here with permission.


eric seiger

internet marketing services by zonecrest


eric seiger

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

First Solar <b>News</b>, Rumors: CIGS, Mercury, Tellurium : Greentech Media

First the news... Apollo Solar Energy (OTC: ASOE), a vertically integrated miner, refiner and producer of high purity tellurium (Te), announced a five-year purchase contract between Apollo Solar Energy and a major worldwide solar panel ...


eric seiger

internet marketing services by zonecrest


eric seiger

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

First Solar <b>News</b>, Rumors: CIGS, Mercury, Tellurium : Greentech Media

First the news... Apollo Solar Energy (OTC: ASOE), a vertically integrated miner, refiner and producer of high purity tellurium (Te), announced a five-year purchase contract between Apollo Solar Energy and a major worldwide solar panel ...


eric seiger

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

First Solar <b>News</b>, Rumors: CIGS, Mercury, Tellurium : Greentech Media

First the news... Apollo Solar Energy (OTC: ASOE), a vertically integrated miner, refiner and producer of high purity tellurium (Te), announced a five-year purchase contract between Apollo Solar Energy and a major worldwide solar panel ...


eric seiger

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

First Solar <b>News</b>, Rumors: CIGS, Mercury, Tellurium : Greentech Media

First the news... Apollo Solar Energy (OTC: ASOE), a vertically integrated miner, refiner and producer of high purity tellurium (Te), announced a five-year purchase contract between Apollo Solar Energy and a major worldwide solar panel ...


eric seiger eric seiger
eric seiger

internet marketing services by zonecrest


eric seiger
eric seiger

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

First Solar <b>News</b>, Rumors: CIGS, Mercury, Tellurium : Greentech Media

First the news... Apollo Solar Energy (OTC: ASOE), a vertically integrated miner, refiner and producer of high purity tellurium (Te), announced a five-year purchase contract between Apollo Solar Energy and a major worldwide solar panel ...



eric seiger

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

First Solar <b>News</b>, Rumors: CIGS, Mercury, Tellurium : Greentech Media

First the news... Apollo Solar Energy (OTC: ASOE), a vertically integrated miner, refiner and producer of high purity tellurium (Te), announced a five-year purchase contract between Apollo Solar Energy and a major worldwide solar panel ...


eric seiger

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Breaking <b>News</b>: Humanities in Decline! Film at 11. — Crooked Timber

But I just don't know of any realm of human endeavor in which a precipitous decline from 1967 to 1987, followed by a couple of decades of stability, counts as breaking news. It's the equivalent of saying “sales of Sgt. Pepper posters ...

First Solar <b>News</b>, Rumors: CIGS, Mercury, Tellurium : Greentech Media

First the news... Apollo Solar Energy (OTC: ASOE), a vertically integrated miner, refiner and producer of high purity tellurium (Te), announced a five-year purchase contract between Apollo Solar Energy and a major worldwide solar panel ...


eric seiger