Friday, July 30, 2010

personal finances help


penis enlargement

Jennifer Lopez signs deal to become new &#39;American Idol&#39; judge <b>...</b>

Jennifer Lopez has inked a deal to join American Idol's judging panel for its upcoming 10th season, an industry source tells People. The news dropped j...

<b>News</b> comment: &#39;The government isn&#39;t exactly doing the oil industry <b>...</b>

In response to Bruce Alpert's report on NOLA.com "Sen Mary Landrieu proposes oil spill liability compromise," reader ourtime has this to say: "Please explain how this is a 'bailout.' The companies will still be liable for damages if ...

2010 Midterms: Latest <b>News</b> on the Hot Races

2010 Midterms: Latest News on the Hot Races. 11 hours ago. 0 Comments Say Something ». Print Text Size. Bruce Drake. Contributing Editor. Author Bio » � Contact Author » � Subscribe : California Power of Environmental Issues a Wild Card ...



The Secret by kateraidt


internet marketing course

Jennifer Lopez signs deal to become new &#39;American Idol&#39; judge <b>...</b>

Jennifer Lopez has inked a deal to join American Idol's judging panel for its upcoming 10th season, an industry source tells People. The news dropped j...

<b>News</b> comment: &#39;The government isn&#39;t exactly doing the oil industry <b>...</b>

In response to Bruce Alpert's report on NOLA.com "Sen Mary Landrieu proposes oil spill liability compromise," reader ourtime has this to say: "Please explain how this is a 'bailout.' The companies will still be liable for damages if ...

2010 Midterms: Latest <b>News</b> on the Hot Races

2010 Midterms: Latest News on the Hot Races. 11 hours ago. 0 Comments Say Something ». Print Text Size. Bruce Drake. Contributing Editor. Author Bio » � Contact Author » � Subscribe : California Power of Environmental Issues a Wild Card ...


big white booty

The Secret by kateraidt































Tuesday, July 27, 2010

foreclosure list



A reader writes:



As a budding scientist who has been involved in the HIV field, it is rather frustrating to see media reports of the latest breakthrough in research without a full understanding of the findings and their significance (not that the medical establishment is not complicit … we put out these press releases in order to justify continued research money).  As you are well aware, the field had been fraught with repeated false hopes and, after more than two decades of trying, we are no closer to a preventative vaccine than when we first started.

These findings today do not really change this fact.  The same group has previously described another such neutralizing antibody but have been unsuccessful in their attempts to elicit this response in other individuals (this is the premise of a vaccine).  The very fact that the vast majority of people fail to mount a significant immune response against the virus (unlike we do to most other pathogens) suggests that a vaccine may not even be possible in the first place.  Pharmaceutical therapy, for better or worse, will remain our best response to this disease for the foreseeable future. 

That being said, without any signs of the disease abating, research like this cannot be discounted.  Just don’t expect results any time soon.





I don't. The Dish has long been dismissive of the search for a vaccine against HIV, but this did seem like a positive development. Another writes:



Thanks for that piece of news, Andrew. It actually brought tears to my eyes. I keep forgetting how much we suppress those hopes for a cure, then I read something like that and there's this flame, this glimmer of promise and I'm suddenly in tears. We forget how much that hope for a cure means to us, and how much we've pushed it aside and filed it away.

Right now I'm in this perfect storm of unemployment, heathcare crisis and AIDS.








Since I am, according to some, too lazy or drug-addled to find work, I've had to choose between my COBRA payments and my med copays and Dr. visits. I chose my COBRA payments for fear of that dreaded insurance lapse that would kick in pre-existing exclusions and not getting that all important certificate of coverage for my next (hopefully) job. Since I actually have a home (not sure for how long) and not totally homeless and destitute (yet) I don't qualify for a lot of help. Even if I did now, the state of GA, like many states, now have a Ryan White waiting list to get meds. Even my discount med cards from the drug companies didn't help enough to make them affordable.

So I'm waiting, waiting, waiting - so much has to fall into place, IF I can get a job in the next month or so, and IF they have good benefits, and IF the timing is just right, I might just be able to keep my insurance and go back on my life-saving meds. IF in the next month or so, I don't, I"m hitting several walls, my unemployment running out, my COBRA ending, foreclosure, bankruptcy. That's hoping too that after almost a year off my meds now, that I'm not blindsided by some totally preventable HIV related disease that would put me in the hospital and suddenly make any hope of this turning out well fly right out the window.

I have an older brother who is a wealthy retired executive from Philips, and very much a ditto head. They can't see giving me money since they would just be "enabling" me and keeping me from really looking a job (yes he really said that, almost a verbatim FOX talking talking point). Being a Christian though he did help me rewrite my resume. He keeps saying "just get private insurance" and even "just start my own company" but he hasn't a clue. With my meds running at $10,000 a month and having HIV/AIDS, I'm uninsurable through private health insurance, he doesn't understand that and almost refuses to believe it.

To address a lot of the current bashing of the unemployed: I'm a sharp hard working guy. I had the highest SAT scores in my class, I was pre-med at Wake Forest, two years ago I was making almost $60,000 a year, running an entire print production facility and doing it well. I've worked in consulting firms, F500 marketing departments, I have a killer resume. Yet...

So thanks again for that article. I do still hope. I've been in this crisis from the beginning, HIV+ back before there was even a test or a known cause. I had a partner who was only months ahead of me in progression, yet for every new drug that he just missed being able to take advantage of, I was able to. So our paths that at one time seemed to be almost lockstep veered apart and he died some 20 years ago and I'm still kicking around (I hope). I would just be crushed though that after living the miracle that being a 20+ year long-term survivor entails, that because of seemingly mundane things like a job and health insurance it might all be for nothing.




Here is an interesting story with an Oregon slant that reflects problems all states now face. Please consider Oregon budget stands at precarious crossroad.

Oregon government stands at the edge of a financial chasm as precarious as any in its 151-year history, hemmed in by the global recession, questionable spending decisions and a budget-draining combo of skyrocketing expenses and sluggish growth.

Consider this sobering fact: State expenses, including payroll, health and retirement benefits, and debt payments, are slated to rise by nearly $4 billion over the next two years -- a 26 percent jump. During the same period, however, revenues to pay those expenses are expected to increase by a little less than $2 billion, or about 14 percent -- and that assumes a return to a robust economy.

Oregon simply can't keep up.

Lacking a substantial tax increase, which appears unlikely, the state won't have the money to offer the same level of services, pay and benefits to the same number of people.

The state has faced tough times before, but this crisis is a game changer, economists and political leaders agree. Past budgetary tricks, such as borrowing or sweeping money from other state funds, won't cut it.

The only way out, they say, is to make dramatic, permanent changes. The choices that lie ahead affect not only the state budget, but the kind of place Oregon will become: What kind of schools will we have? Which criminals will go to prison? Who gets help when they need it? What kind of business climate do we want? And how much do we all pay in taxes?

"The public is going to have to understand that we will have a very different Oregon in 2020 than we did in 2010," says John Tapogna, president of ECONorthwest, one of the state's top economic consulting firms.
There is much more in the article including a lengthy discussion of four problems Oregon faces.

  • Problem 1: Our income is shrinking
  • Problem 2: We have more people in need
  • Problem 3: We've locked up a lot of money
  • Problem 4: We can't grow our way out

Email Anecdotes

Here are some anecdotes from reader Denise in response to Oregon's Public Employee Retirement System (PERS) in Deep Trouble, Taxpayers on the Hook
Hello Mish

I Read your post on Oregon's Public Employee Retirement System's troubles with interest. We just returned from visiting a friend on the Oregon coast - and have spent many vacations in the state over the years.

The coast is struggling badly. There are homes for sale everywhere. Available commercial properties abound.

We saw housing developments with only a few completed homes, most empty, and often surrounded by empty lots with weeds many feet high. One condo complex located in the Florence marina has 30+ units available. Only two have sold despite a list of enticements. I wouldn't want to be one of the two owners - it was practically screaming bank foreclosure coming.

And despite that this is their high season - do or die for many coastal businesses - the roads were practically deserted, hotels available everywhere - and miles of empty beaches. We spoke with many restaurant and lodging owners and they all agreed that it's never been worse.

Hard to be optimistic for the economy of the beautiful Oregon Coast.

Denise
Universal Problems

Those are problems all states face, not just Oregon.

It is one hell of a list of problems and states will face those even if the economy starts to grow at a fair pace.

Problem 3 is the crucial one. The "locked up" category includes pension promises that cannot be met and public union salaries way out of line with private sector salaries.

End of the Line for Meaningful Can-Kicking Delays

When it comes to state budgets, the low lying fruit has been picked. Indeed all the fruit has been picked and next year's harvest has been spoken for as well. Thus it's the end of the line for state's ability to kick the can down the road in a meaningful way, if employment does not dramatically pick up soon.

Here's a hint: it won't.

The only question is how long the administration and the Fed can keep this mess from flying apart like a pile of straw in a tornado. Obama's goal of course, is to delay that tornado until after the election. However, people are so fed up with Obama now, that election-wise it probably does not matter.

Obama is likely to lose the House in the upcoming election and enough seats in the Senate that he will not be able to pass his agenda. Hopefully, republicans will start doing a better job than they did under president Bush. Arguably that is a long shot. However, people have had enough of Obama's offering the worst possible combination of corporatism, socialism, and war-mongering that either side has to offer.

Mike "Mish" Shedlock
http://globaleconomicanalysis.blogspot.com
Click Here To Scroll Thru My Recent Post List



penis enlargement

iPhone 4 hitting 17 more countries on Friday | Apple - CNET <b>News</b>

The newest flavor of Apple's smartphone will arrive in additional markets July 30, including Canada, Denmark, Ireland, Italy, and Singapore--but not South Korea. Read this blog post by Lance Whitney on Apple.

EU launches antitrust probes of IBM | Business Tech - CNET <b>News</b>

The two investigations by the European Commission surround alleged abuse of the company's dominant market position in the mainframe market. Read this blog post by Sam Diaz on Business Tech.

New Leak Found on Gulf Coast « Liveshots

The Coast Guard is responding to a new oil leak on the Gulf Coast. This spill involves a well in.



New Long Grove Listing: Front 3 by ahausexpert


internet marketing course

iPhone 4 hitting 17 more countries on Friday | Apple - CNET <b>News</b>

The newest flavor of Apple's smartphone will arrive in additional markets July 30, including Canada, Denmark, Ireland, Italy, and Singapore--but not South Korea. Read this blog post by Lance Whitney on Apple.

EU launches antitrust probes of IBM | Business Tech - CNET <b>News</b>

The two investigations by the European Commission surround alleged abuse of the company's dominant market position in the mainframe market. Read this blog post by Sam Diaz on Business Tech.

New Leak Found on Gulf Coast « Liveshots

The Coast Guard is responding to a new oil leak on the Gulf Coast. This spill involves a well in.


big white booty

New Long Grove Listing: Front 3 by ahausexpert


Monday, July 26, 2010

web internet marketing


Today I was able to catch up with Gary Key who is a Technical Marketing Manager for ASUS to ask him a few questions about Internet Explorer 9 Platform Preview 3.

James : Thanks for your time Gary. As a Technical Marketing Manager, how have you been involved with the release of Internet Explorer Platform Preview 3?

Gary : It’s really exciting to be involved! ASUS has been providing both mainstream and cutting edge hardware to Microsoft to ensure the best possible user experience with Internet Explorer 9. Not only have we been supplying exciting hardware for testing but we’ve also been providing input and feedback on how to make IE9 perform its absolute best on ASUS products.

James : You said that it’s been exciting being involved with Platform Preview 3. What’s been most exciting for you?

Gary : Here at ASUS we’ve been at the forefront of netbook and notebook innovation by providing the type of CPU and graphical processing power that Internet Explorer 9 thrives on. For example, we shipped the first Intel Atom dual-core with NVIDIA ION powered netbooks, NVIDIA 3D Vision enabled notebooks and one of the first DX11 gaming notebooks powered by ATI’s Mobility Radeon HD 5870 GPU. It’s this type of power that enables IE9 to provide an extremely responsive and interactive user experience on the Web. ASUS’ continued commitment to provide excellent CPU and GPU performance in its mobile products along with Microsoft’s innovative use of hardware acceleration in IE9 will help to create an unlimited possibilities for new Web applications that are both graphically and functionally rich.

James : You mentioned some of your innovative hardware. I’ve had my eye on your U30Jc or UL80Vt notebooks. How will they perform with the latest Platform Preview?

Gary : Thanks to the Intel dual-core processor and discreet graphics performance of the NVIDIA mobile GPU chipset in either notebook the user experience with Internet Explorer 9 will be incredible. In fact, even our AMD based Eee PC 1201T netbook will provide enough graphical and CPU processing power to ensure the user has a terrific web experience with IE9.

James : How about elsewhere in your range? Is there a price point or a particular type of machine I should be looking for?

Gary : We have a vast number of new mobile products launching this summer that are built with Internet Explorer 9 in mind. Everything from our upcoming Eee PC 1215N netbook and slim and light U35Jc notebook to the new 3D capable Republic of Gamers G53 gaming notebook will offer users a rich and interactive internet experience with IE9.

James : So do I need to buy a new notebook or workstation to take advantage of the hardware acceleration in Internet Explorer 9?

Gary : Not at all. We’ve been using discrete graphics and multi-core processors in most of our machines since we started shipping Windows Vista and Windows 7 machines so Internet Explorer 9 will be able to take advantage of that horsepower too. Of course, buying a new shiny notebook with an aluminum body never hurts does it?

James : You’re really trying to talk me into that U30Jc aren’t you? One last thing, what’s your favorite Platform Preview 3 demo on the www.ietestdrive.com site and why?

Gary : That’s a very difficult question to answer. I really do not have a single favorite Internet Explorer Platform Preview 3 demo as they all show how the combination of IE9 and the processing power available in ASUS mobile products will provide a uniquely rich, responsive and interactive Web experience for the user. However, I would have to say during testing that we probably ran the Flickr Explorer demo the most as it truly displayed the power of our current and upcoming mobile products when using IE9.

James : Gary thank you so much for your time.

Gary : It’s been a pleasure.














Old Spice’s marketing gimmick—a macho guy played with a wink by Isaiah Mustafa—has reached a crescendo on TV and the Web. Tricia Romano on the evolution of black male sex symbols.


From the moment the Old Spice commercial featuring Isaiah Mustafa aired in February America swooned. Who, we wanted to know, was this dashing, tall, dark and handsome figure with impossible abs, a gleaming smile, and a twinkle in his eyes? (Oh, yes, and riding on a horse. One mustn't forget the horse).


Mustafa quickly became a household face—if not name—as the original commercial eventually racked up 13 million views on YouTube.


He's hot enough to make celebrity lesbian Ellen DeGeneres giggle like a school girl when he visited her set, causing her to beg him to recite his Old Spice lines.





Old Spice Guy Hangs Up His Towel


And this week, on the heels of its second installment in the series (featuring Mustafa swan diving into a jacuzzi and landing on a motorcycle), the company invited people to ask questions of "Old Spice Man" on Twitter which Mustafa answered in 30-second clips on YouTube. The result was an instant viral success—the Old Spice YouTube channel was ranked No. 1 on the website. (At least one person wasn’t impressed: Sockington the cat—who has resisted using his popularity for commercial purposes—threw up his paw: “HELLO @OLDSPICE much interest at your viral marketing campaign at sockington hq/litterbox I AM A CAT WITH 68 TIMES MORE FOLLOWERS discuss.”


Sockington’s dissent aside, the success of the Old Spice commercials hinges not only on the clever, almost absurdist imagery and writing, but on Mustafa and his inherent sex appeal.


The Root argued this week in an essay called, "Why The Old Spice Guy Is Good For Black America" that "the success of the Old Spice Guy ... might actually be a sign that being a black man in America is getting slightly easier." Cord Jefferson points out that not so long ago, the black man's role in advertising was as a scary figure to contrast against the white so-called gentlemen; or more recently, as a subservient figure.


I'll go one further than Jefferson: The Old Spice Guy isn't just good for Black America, Mustafa's place in the pop culture pantheon is good for all of America.


As Farai Chideya, former NPR journalist and host of forthcoming radio show, Pop and Politics Radio, explained to me, "You have certain black actors who could sell things, but they usually did them in these nonsexual ways, like Bill Cosby and Jello. Then you had people who were sexual like Billy Dee Williams, who pitched a brand for a black audience," she said. "This is something new where it's for a mainstream, general mixed-race audience."





Caption: Mustafa filmed video responses to some of his lucky Twitter followers, including actress Alyssa Milano.


The choice of a black man as the desired sex object for a national advertising spot aimed at mainstream America, which is to say white America, is particularly perfect right now. It's hard to say whether Mustafa and Old Spice would have paired up 10 or 20 years ago, unless he was a famous star athlete like O.J. Simpson. One could argue that having a handsome black president has softened a lot of people’s ideas of what’s attractive and sexy—Obama’s shaky polls notwithstanding.


Interestingly, Old Spice had another black spokesman before Mustafa: Terry Crews. The hyperactive ad series featured the ex-NFL linebacker topless and yelling in an intense (and funny) way. Chideya says of Crews: "He's not as handsome as Isaiah, but he's also really funny in a way that's more within the black vernacular." Of Mustafa, she says, "This guy is no doubt black, but he's someone who is the modern, urbane, living-in-a-post-racial-Fort Greene kind of a guy."


While Obama braves the fast-moving political tide (we love him, we are irritated and disappointed with him, we loathe him, we love him again), here is this other stunningly handsome, funny black man on our TV, transcending color lines, with—it should be noted—a Muslim name.









how to lose weight fast

The best comic book <b>news</b> to come out of Comic-Con 2010

This year's Comic-Con was light on earth-shattering comic book news but chock full o' interesting tidbits about characters and upcoming projects. Here are some of the juiciest factoids that dropped this weekend.

Pro-Gun Dems May Get a Boost « Liveshots

With the mid-terms looming large in a year where incumbents are expected to take a beating at the.

Small Business <b>News</b>: Getting Things Right | Small Business <b>News</b> <b>...</b>

Marketer Mark Brimm hates when gurus tell entrepreneurs and other marketers they're doing it wrong. Though there are certainly right ways and wrong ways to.



Intesys Web Marketing by Web Agency Intesys


























Sunday, July 25, 2010

1 internet marketing

Condé promoted Bob Sauerberg, former head of consumer marketing (read: circulation) to its presidency. Bob is one of the good guys of Condé Nast (I don’t mean to damn him with faint praise there … sorry, couldn’t resist); he’s smart, mature, experienced. (I worked with him a good deal when I was at Advance’s parent company and he was at Fairchild; I should add that none of what I’m saying here comes from the slightest contemporary knowledge of the company; haven’t been in the cafeteria for many months.) Bob knows management and consumer marketing. The age of the ad sales guy is over because the age of the ad is over.


The problem is going to be that there is only more competition in content and so trying to suddenly charge more flies in the face of basic economics. The absurdity of the strategy struck me yesterday as Amazon tried to sell me a subscription to Time for 28.8 cents an issue while Time is trying to sell its iPad issues for $4.99 and I see no reason to buy either. In what world do these economics make sense? In their dreams.


“I want to collect income from the consumer,” Townsend told The Times earlier. “An annual magazine subscription may be something like anywhere bet $12 and $24. So I’m currently locked into a model that says I get a buck or two a month. How about I get a buck for a click?”


Dream on.


They’re not wrong that they need to get money from consumers but they’re not going to get it for content. Sorry guys. But as Google schooled the newspaper industry (I’ll substitute appropriate words):


The large profit margins enjoyed in the past were built on an artificial scarcity: Limited choice for advertisers as well as readers. With the Internet, that scarcity has been taken away and replaced by abundance. No will be able to restore revenues to what they were before the emergence of online . It is not a question of analog dollars versus digital dimes, but rather a realistic assessment of how to make money in a world of abundant competitors and consumer choice.

Instead, I suggest they have to get new revenue through commerce — through selling the things they once advertised now that advertisers are deserting them to sell direct. Problem is, that’s hard, as Condé knows best from its experience with Style.com, which started as an attempt to create a high-end store (I worked there then). They created it in partnership with a retailer and the retailer bagged the effort when times got tough in the first bubble; it then became another ad-supported site. But the strategy wasn’t wrong. Problem is, there is no retail expertise in the company.


More recently, Condé should have bought Net-a-Porter but instead luxury conglomerate Richemont snarfed it up. (Disclosure: I spoke at Richemont’s corporate retreat recently.) Condé should buy Gilt to establish new skills, a new relationship with customers, and new revenue. Its content then becomes just added value: the Cinnabon’s in the mall.


A media company going into retail and selling in areas held by former advertisers has precedent: Media News’ Salt Lake City paper became a real estate broker and undersold the entire business in town. The Telegraph, as I like to point out, sells everything from hangers to wine to betting to its readers.


But if Condé and other media companies are going into retail, they need entirely new skills of merchandising and sales, an entirely new financial structure to cope with inventory costs and tight margins, the ability to cope with entirely new competitors and suppliers (that is, former advertisers — but, worse, Amazon), and an entirely new efficiency (forget the cafeteria; they’d be lucky to have a Wal-Mart lunch room with vending machines as a profit center).


They also have to defeat a calcified, entitled culture. For that, I’d suggest they buy Gawker Media to get the incredibly popular competitor Jezebel and to infuse the company with a new culture. Make Nick Denton editorial director and COO and then watch the fun.


I doubt they heard any of this from KcKinsey because in the few encounters I’ve had with them they remix known models rather than invent new ones, which is what is called for here. I’ll bet they proposed cutting some costs (done) and remixing revenue (started) when what’s really needed is a complete restrategizing.


Or maybe I”m wrong. Maybe 4 Times Square will become the world’s lushest mall, with one helluva food court.


Nevermind my advice. The moral of this story remains that advertising is next to fall into the black hole (as a Time Inc. president once dubbed this damned internet thing). Welcome to Bob Garfield’s Chaos Scenario.














Old Spice’s marketing gimmick—a macho guy played with a wink by Isaiah Mustafa—has reached a crescendo on TV and the Web. Tricia Romano on the evolution of black male sex symbols.


From the moment the Old Spice commercial featuring Isaiah Mustafa aired in February America swooned. Who, we wanted to know, was this dashing, tall, dark and handsome figure with impossible abs, a gleaming smile, and a twinkle in his eyes? (Oh, yes, and riding on a horse. One mustn't forget the horse).


Mustafa quickly became a household face—if not name—as the original commercial eventually racked up 13 million views on YouTube.


He's hot enough to make celebrity lesbian Ellen DeGeneres giggle like a school girl when he visited her set, causing her to beg him to recite his Old Spice lines.





Old Spice Guy Hangs Up His Towel


And this week, on the heels of its second installment in the series (featuring Mustafa swan diving into a jacuzzi and landing on a motorcycle), the company invited people to ask questions of "Old Spice Man" on Twitter which Mustafa answered in 30-second clips on YouTube. The result was an instant viral success—the Old Spice YouTube channel was ranked No. 1 on the website. (At least one person wasn’t impressed: Sockington the cat—who has resisted using his popularity for commercial purposes—threw up his paw: “HELLO @OLDSPICE much interest at your viral marketing campaign at sockington hq/litterbox I AM A CAT WITH 68 TIMES MORE FOLLOWERS discuss.”


Sockington’s dissent aside, the success of the Old Spice commercials hinges not only on the clever, almost absurdist imagery and writing, but on Mustafa and his inherent sex appeal.


The Root argued this week in an essay called, "Why The Old Spice Guy Is Good For Black America" that "the success of the Old Spice Guy ... might actually be a sign that being a black man in America is getting slightly easier." Cord Jefferson points out that not so long ago, the black man's role in advertising was as a scary figure to contrast against the white so-called gentlemen; or more recently, as a subservient figure.


I'll go one further than Jefferson: The Old Spice Guy isn't just good for Black America, Mustafa's place in the pop culture pantheon is good for all of America.


As Farai Chideya, former NPR journalist and host of forthcoming radio show, Pop and Politics Radio, explained to me, "You have certain black actors who could sell things, but they usually did them in these nonsexual ways, like Bill Cosby and Jello. Then you had people who were sexual like Billy Dee Williams, who pitched a brand for a black audience," she said. "This is something new where it's for a mainstream, general mixed-race audience."





Caption: Mustafa filmed video responses to some of his lucky Twitter followers, including actress Alyssa Milano.


The choice of a black man as the desired sex object for a national advertising spot aimed at mainstream America, which is to say white America, is particularly perfect right now. It's hard to say whether Mustafa and Old Spice would have paired up 10 or 20 years ago, unless he was a famous star athlete like O.J. Simpson. One could argue that having a handsome black president has softened a lot of people’s ideas of what’s attractive and sexy—Obama’s shaky polls notwithstanding.


Interestingly, Old Spice had another black spokesman before Mustafa: Terry Crews. The hyperactive ad series featured the ex-NFL linebacker topless and yelling in an intense (and funny) way. Chideya says of Crews: "He's not as handsome as Isaiah, but he's also really funny in a way that's more within the black vernacular." Of Mustafa, she says, "This guy is no doubt black, but he's someone who is the modern, urbane, living-in-a-post-racial-Fort Greene kind of a guy."


While Obama braves the fast-moving political tide (we love him, we are irritated and disappointed with him, we loathe him, we love him again), here is this other stunningly handsome, funny black man on our TV, transcending color lines, with—it should be noted—a Muslim name.









MCFC close to signing Serbian Aleksandar Kolarov from Lazio <b>...</b>

Roberto Mancini last night revealed that the Blues are '99% certain' to sign Aleksandar Kolarov from Lazio.

<b>News</b> Roundup: Andrea Roth Joins &#39;Blue Bloods,&#39; Katheryn Winnick <b>...</b>

'Rescue Me' star Andrea Roth has joined the cast of CBS's cop drama 'Blue Bloods.' According to Ausiello Files, Roth will replace Wendy Moniz who had.

Arcane Brilliance: <b>News</b> and notes from Cataclysm beta build 12604

Totem Talk: Back to basics � Know Your Lore: The Eternals part three -- the Titans � Arcane Brilliance: News and notes from Cataclysm beta build 12604 � Shifting Perspectives: Recreating balance druids in Cataclysm ...


how to lose weight fast

Singapore Internet Marketing Seminar by internetmarketingsingapore

























Thursday, July 22, 2010

personal finance blog



To hear Sarah Palin tell it, she and her mama grizzlies are people-powered, grassroots examples of how Americans can get involved in politics. But a close look at SarahPAC's campaign finance report shows she spends her donations on the same old, standard consultants as every other politician. And like many others, she still finds ways to keep her inner circle in the money.



She pulled in just shy of $866,000 in donations from people hailing from Kissimmee, Florida to Rancho Palos Verdes, California. But Marylander Laurie Beitman's $35 and the bulk of Palin's small-dollar donations is going to more than Republican candidates the former Alaska governor wants to see win this fall. By our count, Palin spent nearly $400,000 on consultants, lobbying firms and the standard direct mail and fundraising firms politicians frequently use. (The AP had a stricter consulting tally, $210,000.) Just about the only maverick-style item she purchased was $4,000 worth of sausage.


Palin spent $30,000 on "consulting, national and international issues" with Randy Scheunemann's Orion Strategies, a lobbying firm representing foreign governments.



Then there's Rebecca Mansour's Aries Petra Consulting, which Palin paid $22,000 for "internet messaging" to write those infamous Palin Facebook messages. Politico describes Mansour as a "Los Angeles screenwriter and political neophyte whose creation of the popular cheerleading blog Conservatives4Palin endeared her to Palin's inner circle."



She paid NorthStar Strategies, the firm owned by her campaign body man and former Bush administration alum Jason Recher $36,000 for "logistics political consulting."



Former press aide Meg Stapleton's IzzyLene Consulting received $2,500 for media consulting.



Palin paid $35,000 to Grey Strategies, a Columbus firm that helped her with media, logistics and political consulting. It appears to now be a newly merged firm called Grey Shockley, run by lobbyists Doug McMarlin and Leslie Beyer. According to Hotline on Call, McMarlin also travels with Palin.



True North L'Attitudes, a consulting firm created in February by an Anchorage woman named Robyn Engibous, got more than $10,000 for scheduling. Engibous, a former staffer for Sen. Ted Stevens (R-AK), also got almost $1,400 in reimbursements for office supplies and mileage.



Palin has made much of her personal wealth in speaking fees, which reportedly run up to $100,000 per speech. For speechwriting services this past quarter, her PAC paid $3,700 to Lindsay Hayes. Hayes wrote speeches for Palin during the presidential campaign; she also was a speechwriter for Sen. Stevens for several years.



SarahPAC gave another $5,000 for "clerical" work to Ivy Frye, a close confidant of Palin's who has been with her since her campaign for governor and who Palin hired as an aide in the governor's office. In addition to the $5,000, SarahPAC gave Frye almost $1,500 to reimburse her for postage and copies. In the first quarter of 2010, she paid Frye $15,000 for clerical work and more than $3,000 in reimbursement for printing and shipping costs.



The PAC also pays a $10,000 monthly legal retainer, totaling $30,000 for the quarter, to the Palin family lawyer, Thomas Van Flein. Van Flein was Palin's personal lawyer while she was governor, defending her against ethics complaints. He also represented Palin's daughter, Bristol Palin, when she tried to get child support from Levi Johnston earlier this year.



Check out our past coverage of Palin's "brain trust" of advisers here.






As you’ll read tomorrow (or Monday), I’ve entered a new phase in my life. After years of hard work and long hours building this blog (time that I’ve enjoyed), I’ve been shifting things around so that I have more free time. As a result, I’m going to have more time to devote to creating quality blog posts, instead of rushing around at the last minute looking for something to write about.


Because of this, it’s time yet again to take requests. I do this about once a year, and it’s a great way to get a feel for what GRS readers are interested in. I’d be grateful if you’d take the time to leave a comment below with topic suggestions or article requests. It doesn’t matter if we’ve covered the subject in the past. If you’d like me (or one of the other GRS staff) to write about it, let me know.


Have there been too many articles about credit cards? Too few articles about credit cards? Would you like to know more about individual savings accounts? Do you like the articles about the psychology of spending? Would it be helpful to have somebody come in to explain insurance concepts in plain English? Should I try to persuade my wife to share more of her recipes now and then? Let me know what you’d like to read about!


While you’re all providing feedback about the site, here are a few recent articles of note:


Over at The Simple Dollar, Trent and his readers had a thoughtful discussion about the obligations of wealth. “I think there is some inherent distrust of the rich in the mainstream of American society,” Trent writes as he describes how a wealthy person can keep from alienating his friends. There’s so much to say about this topic; I’m tempted to write an entire article about it.


GRS reader Steven writes a blog called Hundred Goals, which is about achieving your goals while managing your finances. After Sierra’s post this morning about travel, he dropped me a line to let me know that he has a recent article about how to have a great vacation.


Speaking of vacation, my pal Jason over at No Credit Needed spent time compiling day-use fees and free days for state parks across the United States. Handy page to bookmark!


And here’s more travel! At The Art of Non-Conformity, my good friend Chris Guillebeau has posted a beginner’s guide to travel hacking. I’ve been asking him to share this info for a long time; now I’ve got to take responsibility to use the knowledge he’s shared.


Finally, I’ve been giving a lot of interviews lately. I’m much more comfortable with these than I used to be. (They used to scare me to death!) Some examples:



  • Colleen from The Frisky interviewed me about how to save money even when you’re living paycheck to paycheck. This is a tough quandary, something I’m asked about a lot.


  • In an interview with BeFrugal, I discuss frugality, happiness, and conscious spending. (Note: “the ballot” should be “the balance” — I must have mumbled.)


  • Jeff Rose at Good Financial Cents also interviewed me. This interview is very much about the process of writing a book, which may or may not interest you.


  • I also spoke with Beverly Harzog from Card Ratings. We chatted about credit cards, of course, but also about other aspects of personal finance.


  • Finally, USA Weekend has a short piece on how to give your 401(k) a midyear check, for which author Richard Eisenberg interviewed me back in May. This is a perfect example of how much work goes into even a small newspaper article. Eisenberg spent 20-30 minutes on the phone with me, and I’m sure he did the same with the other folks he quotes. Plus, I’ll bet he spent a lot of time writing. I wouldn’t be surprised if there were 4-6 hours in this small piece.


Okay, one last thing before I go. Tim pointed me to a two-year-old New York Times series about the debt trap, which includes an interactive infographic showing average household debt loads over the past century.


That’s enough links for today. Please do leave a comment with topic requests or other feedback. Meanwhile, it’s time for me to go do some yardwork…










penis enlargement

Reid Abandons Cap &amp; Trade in Face of Bipartisan Opposition « The <b>...</b>

Hitting a wall of bipartisan opposition to placing a price on carbon, even if just in the utility.

Brad Friedman and Desi Doyen: Green <b>News</b> Report: July 22, 2010 (Audio)

IN 'GREEN NEWS EXTRA' (see links below): Kansas heat wave kills 2000 cattle; Hundreds of dead penguins wash up on Brazilian coast; Does Egypt own the Nile? water battle brewing; Poo Power: generating electricity from sewage?; ...

Navigate The 3D Globe of <b>News</b>

TV network ABC has released a custom ABC News iPad app that's interesting for two reasons—its clever use of HTML5 and the amazing rotating Globe of News.



Look What This Canadian Black Squirrel Is Doing - Part 1 by adawnjournal


internet marketing course

Reid Abandons Cap &amp; Trade in Face of Bipartisan Opposition « The <b>...</b>

Hitting a wall of bipartisan opposition to placing a price on carbon, even if just in the utility.

Brad Friedman and Desi Doyen: Green <b>News</b> Report: July 22, 2010 (Audio)

IN 'GREEN NEWS EXTRA' (see links below): Kansas heat wave kills 2000 cattle; Hundreds of dead penguins wash up on Brazilian coast; Does Egypt own the Nile? water battle brewing; Poo Power: generating electricity from sewage?; ...

Navigate The 3D Globe of <b>News</b>

TV network ABC has released a custom ABC News iPad app that's interesting for two reasons—its clever use of HTML5 and the amazing rotating Globe of News.


big white booty

Look What This Canadian Black Squirrel Is Doing - Part 1 by adawnjournal































Wednesday, July 21, 2010

personal finance budgets


Mint.com is arguably one of the most popular personal finance management tools out there. For all that it has done well, up until this week, it hasn't been the best place to track financial goals. Now, with the introduction of Mint Goals you can link all of your financial goals with the accounts that you have connected to Mint to better track your progress.



Mint Goals improves on the Planning section, which Mint users had until now used for goal-setting. The new Mint Goals section provides users with eight goal areas which can be tailored to the individual so that the goal is realistic and achievable. These eight goals include getting out of debt, saving for an emergency, saving for retirement, buying a home, buying a car, saving for college, taking a trip and improving your home; you can also set a custom goal.



Mint Goals Video from the Wall Street Journal:









When you create a goal Mint will ask you a few questions to find out when you want to achieve it and suggest a monthly contribution to this account. If you have Mint connected to all of your accounts the service can use the data it already has to automate some of the planning process. For example, if you are setting up an emergency fund, Mint knows about how much you spend a month so it is easy to figure out how much you need to cover three months' worth of living expenses. If you are working to pay down debt, and have your credit cards linked, you'll get a look at what you owe and a pay-down plan based on that amount.



After you choose the amount you want to save, Mint allows you to link the goal to a specific account, add a new account or suggests an account to open that fits the goal's purpose. When I was setting up an emergency fund goal, Mint shared several high yield savings accounts.



If your goal is getting out of debt, Mint may suggest that you get a loan through a partner like Lending Club, a peer to peer lender that offers personal loans at rates more than 50% lower than the average credit card APR. The suggested accounts are not all encompassing and you should still take a few steps to find the best bank or account for you.



In addition to budgeting for your day-to-day expenses, setting a goal for purchases and events such as buying a new HDTV, a house or taking a vacation is an important step to getting out of debt and staying out. If you need help after setting up your goals, Mint provides a checklist of to-do items and advice. You can also come back to WalletPop to learn more about all topics personal finance.



What do you think about the new Mint Goals?

What a fantastic basic concept.

Hitler lost the second world war because he attacked Russia too soon. udervise ve vood all be speeking Deutsch now.


We employed the alternative massively effective budgetting tool.


Be a self employed Engineer for 15 years with take home pay of £50K a year and spend it all (and more besides, because ‘I want one of those NOW’) because ‘my jobs safe’.


Watch as the banks destroy the worlds finances.


Suddenly realise that over 90% of British industry is ultimately owned by Japanese investment banks, who suddenly have no money to fulfill their legal obligations to complete legislation driven improvment projects.


Watch as my £50K a year take home falls to ZERO.


Start a brand new business with Kleeneze (sorry not available in the USA) Which although it’s building really well is , after all, a business and needs time.


Suddenly HAVE to live on £18K a year GROSS.


Best Motivation for re-inventing your budget that anyone can have LOL.


We used to spend about £1,000 a month on groceries, now we spend around £300 a month, AND we eat more healthily.


Fortunately the finance on my car ended a month after our income disappeared saving us £375 a month.


We’ve sold my wifes’ car (THAT hurt) it was a really nice car, but it was costing us £489 a month in finance.


We’ve moved to a cheaper house saving us £400 a month in rent.


We’ve cancelled everything that wasn’t absolutely essential - including SKY and the TV license (It’s true, you don’t die if you turn the telly off!)


We still have creditors who we’re negotiating reduced payments and frozen interest with, but basically we are starting again from scratch.

We won’t fall into the credit trap again

Certainly not in the next six years or more ‘cos no-one in their right mind will give us credit now anyway!!


The one thing that keeps coming back to me though is


WHY aren’t our schools teaching kids how to budget? It’s a thousand times more important than even the basics.


Who cares if you can’t spell budgit if you can make one and stick to it.


It CAN’T be one of the things that are left to parents because nobody ever taught us!


Back to subject,

Your article is brilliant and if it helps one person (which I’m sure it already has) to get out or stay out of debt then you’ve done a service to humanity.


Keep it up &

we’ll see you

OVER the top




online stock trading

Panasonic launches Lumix DMC-FZ45 digital superzoom: Digital <b>...</b>

Panasonic launches Lumix DMC-FZ45 digital superzoom: Along with the DMC-FZ100, Panasonic has also announced the Lumix DMC-FZ40 superzoom (FZ45 in Europe). Slotting in where the FZ38/35 left off, it features the same 25-600mm equiv. lens ...

<b>News</b> Fail - FAIL Blog: Epic Fail Funny Pictures and Funny Videos <b>...</b>

epic fail photo - news fail. ... News Fail. epic fail photo News Fail. Submitted by: cecklein � Incorrect source or offensive? G-rated, television, news anchors. You May Like: This fail picture or video was posted on Wednesday, ...

Journolister who bashed Fox <b>News</b> is on board that determines who <b>...</b>

Journolister Michael Scherer, who compared Fox News to a tribal organization, is on the board that will determine who gets the front row seat in the White House briefing room.



Free Personal Finance Software, Budget Software, Online Money Management and Budget Planner | Mint.com (20091102) by sonesu






























Tuesday, July 20, 2010

personal finance planning

Earlier today Phandroid seemed to have off-contract pricing information on the upcoming T-Mobile Samsung Vibrant – the T-Mobile variant of the Samsung Galaxy S – as $329 without contract. Sounds great right? Well, that was taken down from the T-Mobile site promptly – turns out the actual off-contract pricing is set at $450.

T-Mobile contacted Phandroid and informed them that the actual off-contract price of the device was $450. The pricing makes sense. It would not be so smart for Magenta to have priced the device  at such a low price, as that would encourage people to just buy the device outright and not get on a contract (the more lucrative option for any carrier). T-Mobile, the 4th largest carrier in the US needs all of the customers it can get, whether its on or off contract, but contracts are what make you stay with the carrier. As such, T-Mobile would like to wrangle you into paying them for two years of your life, as does every other carrier.

The $49 pricing applies to the Even More Plus plan T-Mobile offers, which is a contract free plan that offers the option to pay for your no-contract phone in installments – think of it as smartphone financing. I’ve been on this plan since it was debuted late last year, and the option to finance a phone is really convenient. Paying $20 extra dollars per month for a MyTouch 3G (that I never use, but still a decent back up) is no problem in my book. It gives the customer the option to leave T-Mobile, but would still have to pay the remainder of the financed device. I’d expect this option to be available for the Vibrant as well when it comes to this specific plan, but the monthly payment price is not yet known. In the picture below, it states that you can pay for the device over time for as little as $16.50 a month, but since it was taken down, the price could be higher.

After being in contracts for so long, and wanting a different phone almost every other month, I started buying smartphones unlocked or at full no-contract prices. I can leave any carrier of my own accord, and I can take my phone with me (to AT&T…..). $450 for a phone is not bad, especially for a Samsung Galaxy S. And, there’s no doubt that the T-Mobile Samsung Vibrant will be the best Android phone T-Mobile has ever put in their line up.

I was planning on getting this device, but now I think I’m going to wait another six months until we start seeing some Gingerbread devices hitting market. Anyone else out there thinking the same thing?

[Via: Phandroid]

Last August there was much criticism over the fact that President Obama agreed to give Brazilian Owned Oil Company Petrobras up to $10 Billion Dollars to look for Oil off the Brazil Coast.  At the time it was especially disturbing because the Administration objected to the US Drilling off its own coast, which would have worked toward keeping the price of oil low and help wean us off foreign oil.



Today it is even more disconcerting, Obama's drilling moratorium may have been blocked by a judge today, but Secretary of Interior Salazar intends to announce a new one tomorrow.   And the longer this "moratorium" lasts, the more likely we are to see the Oil Rigs in the gulf move down to Brazil where they are planning to drill for oil in seas twice as deep as the Deepwater Horizon site.



Why would the POTUS pay for a foreign country to drill for oil but object to his own country taking advantage of his own country's resources? And worse why would he fund the oil drilling of another country for it to "steal away" drilling resources from the Gulf sites? Payback.



Last August Ed Morrissey at Hot Air discovered that "coincidentally" just a few days before the announcement of the US Oil Exploration Aid, George Soros the presidential puppet-master, set himself up to make a lot more money from Brazilian Oil Exploration:

His New York-based hedge-fund firm, Soros Fund Management LLC, sold 22 million U.S.-listed common shares of Petrobras, as the Brazilian oil company is known, according to a filing today with the U.S. Securities and Exchange Commission. Soros bought 5.8 million of the company’s U.S.-traded preferred shares.



Soros is taking advantage of the spread between the two types of U.S.-listed Petrobras shares, said Luis Maizel, president of LM Capital Group LLC, which manages about $4 billion. The common shares were 21 percent more expensive than preferred today, according to data compiled by Bloomberg. …



Petrobras preferred shares have also a 10 percent additional dividend, said William Landers, a senior portfolio manager for Latin America at Blackrock Inc.



“Given that there will most likely never be a change in control in the company, I see no reason to pay a higher price for the common shares.” Brazil’s government controls Petrobras and has a majority stake of voting shares.
NICE!  Making money on the spread, and putting himself in a position to make more money from higher dividends just before all the big bucks "donation" from President Obama. Soros must be master of the deal or Obama is the master of the quid quo pro.



According to Front Page Magazine, this Petrobras deal was put in place by the President as a nice way to say thank you to Mr Soros.



Now it’s time for Soros to collect on his investment. The Wall Street Journal recently reported that the Obama administration has committed up to $10 billion to Brazil’s state-owned oil company Petrobras to finance oil exploration off of Brazil’s coast.



Yet Obama historically has opposed expanded oil drilling. This was not only a strategic decision, aimed at pleasing the environmental Left, but also a personal choice, since Obama sincerely believes that drilling is deeply destructive to the natural environment. Thus, as a Senator, Obama voted against permitting the U.S. to drill for oil and natural gas in the Arctic National Wildlife Refuge on the grounds that it would be a crime to despoil such “beautiful real estate.” Similarly, during last year’s presidential campaign, he warned of the “environmental consequences” of oil drilling, and insisted that “we cannot drill our way out of the problem.”



But apparently George Soros can. The president has elected to help another nation with the same type of drilling that he opposes so vehemently for this country, and the reason seems to be Soros’s $811-millon investment in Petrobras. The company just happens to be the largest holding in Soros’s investment fund. Soros’s connection to the company is no secret; he has been investing in Petrobras since 2007. A profitable venture, Petrobras has estimated recoverable reserves for the so-called Tupi oil field of between 5 and 8 billion barrels. With his billion-dollar loan, Obama has taken patronage politics to striking new level.
The Petrobras loan may be a windfall for Soros and Brazil, but it is a bad deal for the US. The administration is prepared to lend up to $10 billion to a foreign company to drill off its coast, when it could bring in $1.7 trillion in government revenue, as well as create thousands of new jobs, by allowing drilling off the coast of the United States.



....The oil deal stinks for other reasons, as well. For instance, there is the rank hypocrisy of Soros – an enthusiastic proponent of global warming theory and environmental liberalism – investing in the fossil fuels whose use he otherwise condemns – and doing so in part with the aid of taxpayer funds. For years, Soros has urged the adoption of a global carbon tax that would punish companies that contribute to global warming. But that didn’t prevent him from plowing money into Petrobras.



The cozy Soros-Obama alliance goes beyond favorable oil deals. It’s also playing a role in the health care debate. Huge demonstrations dedicated to enacting Obama’s universal health care are largely a Soros-financed operation. When tens of thousands of people rallied in the nation’s capital in support of Obama’s health care plan, the demonstrations were organized by Health Care for America Now! (HCAN), a new national grassroots movement of more than 1,000 organizations in 46 states encompassing 30 million people dedicated to winning health reform now.



The “grassroots” organization appears to be more like a gang of interconnected ultra-liberal pressure groups. Among the 21 members of its steering committee are such Soros-funded groups as ACORN, MoveOn.org, and the Center for American Progress (CAP), headed by Clinton former chief of staff John Podesta, who also has been a key adviser to Obama. Soros’s charity, the Open Society Institute, in 2007 gave CAP $1.75 million and approved added grants of $1.25 million.



Obama’s collusion with Soros and his agenda-driven squadrons is an unfortunate turn from an administration that entered office promising unprecedented transparency in the White House. Soros certainly did his share for Obama. Now, with his backing for a billion-dollar oil loan to a Brazilian company, the president has proven more generous to Soros than to the American voters who put him in office.
 There is that Old Saying, Payback's a bitch. Obama's ten billion dollar gift to Petrobras along with the drilling moratorium designed to give the Brazil-based company partially owned by his good friend George Soros, proves that sometimes payback is not a bitch, its a wallet fatten-er.



internet marketing course





What Are Values, and Why Are They Important?

Values are principles, standards or qualities you consider worthwhile or desirable. Values will vary greatly from person to person because they depend on your personal judgment. What principles, standards, or qualities do you consider worthwhile or desirable? In other words, what are your personal values?

If you cannot answer this question confidently, you may want to continue reading. Knowing your personal values is extremely important because those values shape everything about you. Your relationships, behavior, choices, and personal identity are all affected by your values. Even if you cannot name all your values, they are still influencing every aspect of your life.

However, we are easily distracted - especially with all of the busyness and media in our lives today. It's far too easy to get sidetracked and led away from your values. This is why it's vitally important to know your personal values. Those values are your compass for the day to day decisions you must continually make, and they help draw the map of your entire life.

The Role of Values in Personal Finance

Now why would I be discussing values in a personal finance article? Isn't that more of a personal development topic? Well, yes - it is. But the truth is that your values will have an impact on your financial decisions. There is no use in looking at numbers, giving you advice, or talking about investments until you can list your personal values. As I mentioned above, your values shape everything about you. Your values affect your behavior and choices. Your behavior and choices affect your personal finances. Therefore, you must recognize and understand your values before you can really start to work on your personal finances.

For example, let's say you want to start using a budget to track your spending and find ways to save money. If your values include frugality, thrift, and organization, then this will probably be an easy goal. But if your top values include extravagance and liberation, you're probably going to run into some problems trying to stick to a budget.

So before you spend any more time reading about personal finance, take a few minutes to identify your personal values. There are different ways to do this, but I'll explain the method I've used. If this doesn't work for you, then a quick Google search will provide you with other ways to accomplish the task. If you are married, have a partner, or your finances somehow involve other people, then you may want to do this exercise with the other people involved. This will elicit an important discussion and make sure you are in agreement about your guiding principles.

Identifying Your Values

To start this process, you will want to make sure you have time to focus. Sit down with some paper, and ask yourself this question: What is most important to me in life? Write down your values to answer this question. Try to make these one or two word phrases, and don't worry about the order yet.

If you are having trouble listing specific values, you can try using Steve Pavlina's list of values (http://www.stevepavlina.com/articles/list-of-values.htm) as a starting point. Go through this list and write down the values that you feel are most important. Try not to choose the values you think you should have, but choose the ones you find truly important in your life. If you'd rather not write these down on paper, I have included a link to Steve Pavlina's List of Values in a Microsoft Word Document (www.crackerjackgreenback.com/wp-content/uploads/2008/05/list-of-values.doc) so you can edit it in an electronic format.

Prioritizing Your Values

Now try to narrow down this list by combining similar values into a single value (or two if you need to). You want to get this list down to no more than 10-15 values. Then you need to prioritize your list of values. You can do this by listing your top value first, then your second highest value, and so on until you've prioritized your entire list. If you are having difficulty prioritizing this list, then you might want to try CNN Money's "The Prioritizer" calculator at cgi.money.cnn.com/tools/prioritize/prioritize_101.jsp. The Prioritizer allows you to list up to 15 items and then asks you a series of questions that forces you to choose between each possible pair of goals. Once you're finished, the calculator will give you a list of your values in priority order according to your choices.

Examine Your Values

Now that you have your prioritized list of personal values, it's time to examine these values closely. Are there any that you feel do not fit? Are there any you'd like to change? This can mean dropping a value, adding a value, or tweaking your priorities. Some of your financial goals may require changing your values or priorities, so feel free to reexamine this list at any time.

Evaluate How Your Values Should Affect Your Life

Finally, it's time to consider how your specific list of values will affect your life. If these are the things that are most important to you in your life, how should they steer your decisions? You might feel like you're not following your values very well at this point in your life, but you have the ability to change that right now. With your list of values in hand, you can evaluate any decision with intelligence and confidence. You just have to ask yourself: What should I do in this situation if these are my guiding principles in life? Apply this method to every area of your life, and you're sure to see your life becoming more aligned with your values. As your situation changes, you might need to revise your values. Adapting to changes in your life will be crucial to your success in accomplishing your goals.

Now that you have your list of personal values, you can proceed with evaluating and planning your personal finances. These values should help lead you in making the necessary decisions about your goals, priorities, necessities, and the things you're willing to sacrifice. All of these are important in reaching a financial future that will ultimately make you happy and fulfilled. For more information, you can read Steve Pavlina's take on Living Your Values at http://www.stevepavlina.com/articles/living-your-values-1.htm.


penis enlargement

Brad Friedman and Desi Doyen: Green <b>News</b> Report: July 20, 2010 (Audio)

IN 'GREEN NEWS EXTRA' (see links below): CA's pioneering e-waste program a model gone wrong; 'Climategate' debate a polite, well-mannered affair; Geoengineering can't please everyone!; CBO: Corn based ethanol a waste of taxpayer money; ...

Intel delivers cheaper six-core game chip | Nanotech - The <b>...</b>

Chip giant is shipping a less expensive six-core processor for the highest of high-end PCs. Read this blog post by Brooke Crothers on Nanotech - The Circuits Blog.

Haredim riot over &#39;obscene&#39; plasma screen <b>news</b> updates - Israel <b>...</b>

Jewish Scene: Some 25 Eda Haredit members protest outside postal branch in Bukharim neighborhood in Jerusalem, demanding Ynet news updates shown inside site's screens be removed. Two rioters who broke inside, hit security guards ...


how to lose weight fast




























Monday, July 19, 2010

managing your personal finance

As you’ll read tomorrow (or Monday), I’ve entered a new phase in my life. After years of hard work and long hours building this blog (time that I’ve enjoyed), I’ve been shifting things around so that I have more free time. As a result, I’m going to have more time to devote to creating quality blog posts, instead of rushing around at the last minute looking for something to write about.


Because of this, it’s time yet again to take requests. I do this about once a year, and it’s a great way to get a feel for what GRS readers are interested in. I’d be grateful if you’d take the time to leave a comment below with topic suggestions or article requests. It doesn’t matter if we’ve covered the subject in the past. If you’d like me (or one of the other GRS staff) to write about it, let me know.


Have there been too many articles about credit cards? Too few articles about credit cards? Would you like to know more about individual savings accounts? Do you like the articles about the psychology of spending? Would it be helpful to have somebody come in to explain insurance concepts in plain English? Should I try to persuade my wife to share more of her recipes now and then? Let me know what you’d like to read about!


While you’re all providing feedback about the site, here are a few recent articles of note:


Over at The Simple Dollar, Trent and his readers had a thoughtful discussion about the obligations of wealth. “I think there is some inherent distrust of the rich in the mainstream of American society,” Trent writes as he describes how a wealthy person can keep from alienating his friends. There’s so much to say about this topic; I’m tempted to write an entire article about it.


GRS reader Steven writes a blog called Hundred Goals, which is about achieving your goals while managing your finances. After Sierra’s post this morning about travel, he dropped me a line to let me know that he has a recent article about how to have a great vacation.


Speaking of vacation, my pal Jason over at No Credit Needed spent time compiling day-use fees and free days for state parks across the United States. Handy page to bookmark!


And here’s more travel! At The Art of Non-Conformity, my good friend Chris Guillebeau has posted a beginner’s guide to travel hacking. I’ve been asking him to share this info for a long time; now I’ve got to take responsibility to use the knowledge he’s shared.


Finally, I’ve been giving a lot of interviews lately. I’m much more comfortable with these than I used to be. (They used to scare me to death!) Some examples:



  • Colleen from The Frisky interviewed me about how to save money even when you’re living paycheck to paycheck. This is a tough quandary, something I’m asked about a lot.


  • In an interview with BeFrugal, I discuss frugality, happiness, and conscious spending. (Note: “the ballot” should be “the balance” — I must have mumbled.)


  • Jeff Rose at Good Financial Cents also interviewed me. This interview is very much about the process of writing a book, which may or may not interest you.


  • I also spoke with Beverly Harzog from Card Ratings. We chatted about credit cards, of course, but also about other aspects of personal finance.


  • Finally, USA Weekend has a short piece on how to give your 401(k) a midyear check, for which author Richard Eisenberg interviewed me back in May. This is a perfect example of how much work goes into even a small newspaper article. Eisenberg spent 20-30 minutes on the phone with me, and I’m sure he did the same with the other folks he quotes. Plus, I’ll bet he spent a lot of time writing. I wouldn’t be surprised if there were 4-6 hours in this small piece.


Okay, one last thing before I go. Tim pointed me to a two-year-old New York Times series about the debt trap, which includes an interactive infographic showing average household debt loads over the past century.


That’s enough links for today. Please do leave a comment with topic requests or other feedback. Meanwhile, it’s time for me to go do some yardwork…









As you’ll read tomorrow (or Monday), I’ve entered a new phase in my life. After years of hard work and long hours building this blog (time that I’ve enjoyed), I’ve been shifting things around so that I have more free time. As a result, I’m going to have more time to devote to creating quality blog posts, instead of rushing around at the last minute looking for something to write about.


Because of this, it’s time yet again to take requests. I do this about once a year, and it’s a great way to get a feel for what GRS readers are interested in. I’d be grateful if you’d take the time to leave a comment below with topic suggestions or article requests. It doesn’t matter if we’ve covered the subject in the past. If you’d like me (or one of the other GRS staff) to write about it, let me know.


Have there been too many articles about credit cards? Too few articles about credit cards? Would you like to know more about individual savings accounts? Do you like the articles about the psychology of spending? Would it be helpful to have somebody come in to explain insurance concepts in plain English? Should I try to persuade my wife to share more of her recipes now and then? Let me know what you’d like to read about!


While you’re all providing feedback about the site, here are a few recent articles of note:


Over at The Simple Dollar, Trent and his readers had a thoughtful discussion about the obligations of wealth. “I think there is some inherent distrust of the rich in the mainstream of American society,” Trent writes as he describes how a wealthy person can keep from alienating his friends. There’s so much to say about this topic; I’m tempted to write an entire article about it.


GRS reader Steven writes a blog called Hundred Goals, which is about achieving your goals while managing your finances. After Sierra’s post this morning about travel, he dropped me a line to let me know that he has a recent article about how to have a great vacation.


Speaking of vacation, my pal Jason over at No Credit Needed spent time compiling day-use fees and free days for state parks across the United States. Handy page to bookmark!


And here’s more travel! At The Art of Non-Conformity, my good friend Chris Guillebeau has posted a beginner’s guide to travel hacking. I’ve been asking him to share this info for a long time; now I’ve got to take responsibility to use the knowledge he’s shared.


Finally, I’ve been giving a lot of interviews lately. I’m much more comfortable with these than I used to be. (They used to scare me to death!) Some examples:



  • Colleen from The Frisky interviewed me about how to save money even when you’re living paycheck to paycheck. This is a tough quandary, something I’m asked about a lot.


  • In an interview with BeFrugal, I discuss frugality, happiness, and conscious spending. (Note: “the ballot” should be “the balance” — I must have mumbled.)


  • Jeff Rose at Good Financial Cents also interviewed me. This interview is very much about the process of writing a book, which may or may not interest you.


  • I also spoke with Beverly Harzog from Card Ratings. We chatted about credit cards, of course, but also about other aspects of personal finance.


  • Finally, USA Weekend has a short piece on how to give your 401(k) a midyear check, for which author Richard Eisenberg interviewed me back in May. This is a perfect example of how much work goes into even a small newspaper article. Eisenberg spent 20-30 minutes on the phone with me, and I’m sure he did the same with the other folks he quotes. Plus, I’ll bet he spent a lot of time writing. I wouldn’t be surprised if there were 4-6 hours in this small piece.


Okay, one last thing before I go. Tim pointed me to a two-year-old New York Times series about the debt trap, which includes an interactive infographic showing average household debt loads over the past century.


That’s enough links for today. Please do leave a comment with topic requests or other feedback. Meanwhile, it’s time for me to go do some yardwork…










internet marketing course

If you have a lot of trouble managing your personal finances, then you most certainly need help. Finding this help can often be difficult because everyone has got their own opinion on such things. Luckily there are great deals of websites out there that provide free financial advice. These websites can help you with everything from the stock market, to finding good deals on normally expensive products.

www.econothrift.com is the first website I'll be reviewing today. This website has sections to encompass almost everything that you need in order to get your lifestyle headed in the right direction. It has a section about health, and is one of the only websites that I have reviewed to mention the famous phrase, "being healthy" is the first stage of being wealthy.

www.fivecentnickel.com is the second website that I will be reviewing. It has been around for quite some time and provides a lot of information on credit card offers that could end up saving you money. Unlike Econothrift.com, this website only provides articles about articles that are directly related to the financial world. This means bank failures, credit card tricks, and even mortgage information.

www.getrichslowly.org is a great resource for learning about how to become financial responsible as well. This website is unique because it details one person's journey down the road to financial independence. This website consistently has anecdotes about how the story at hand relates to the author's lifestyle.

Although not a personal finance website per se, freakonomics.blogs.nytimes.com offers a great deal of sound financial advice. This is the blog that the author of renowned book, Freakonomics maintains regularly. I think it makes a great deal of sense how almost everything can be thought of economically, and thinking of things economically has led me to a more financially sound lifestyle.

www.lifehacker.com, like the first website mentioned, goes into a great amount of detail in describing a lot of different aspects about living a healthy lifestyle. Lifehacker tells its readers about how they can become more efficient, and save money as an end result of the efficiency.

All of these websites are great tools as sources of personal finance information, but no single website is a definitive outlet of financial information. I have found the best strategy to be to read each of these websites on a weekly basis in order to be able to form better opinions myself about a variety of financial matters.





penis enlargement

Animated Taiwanese <b>News</b> On “Evil” Steve Jobs, Now With Subtitles <b>...</b>

That hilarious animated Taiwanese news segment on Steve Jobs and the iPhone 4 we posted earlier now has English subtitles, thanks to reader Michael Chang. It shows Jobs defeating Bill Gates in a lightsaber battle and donning a Darth ...

US Economy Recovering Faster Than Europe and Japan, IMF Says

(April 21) -- Thanks in part to an injection of government stimulus money, the ailing US economy is rebounding from the financial crisis more strongly than Europe and Japan, according to the International Monetary Fund, ...

Apple iPhone 4 <b>News</b>: Apple Sets Up Cots For Engineers Solving Flaw

At Apple Inc., "working our butts off" means cots in the engineering department and cars in the parking lot at all hours of the night. Seeking a solution to the antenna flaw that is dropping calls for some iPhone 4 users, ...


how to lose weight fast




























Friday, July 16, 2010

tracking personal finances




Five Best Personal Money Management Sites





Web-based financial management tools have grown in sophistication to the point where many people manage their entire financial lives with online tools. Here's a look at five of the most popular personal money management sites.

Photo a mashup of images by Leonardini and Wilton.


Earlier this week we asked you to share your favorite personal money management site; now we're back to highlight the five most popular contenders.


Click on the screenshots below to take a closer look.


Buxfer (Basic: Free, Premium: From $2.79/month)


Many people are hesitant to use online banking services because of security concerns. Buxfer's compromise to provide ease of use while also assuring users and keeping things as controlled as they would like is to offer multiple methods for storing your credentials. You can manually synchronize your financial accounts with the site, you can store your passwords and login credentials locally using Google Gears, Firefox, or Safari, or you can use the Firebux Firefox extension—Firebux helps you automate the process of downloading financial data from your banking institutions and reviewing Buxfer data. If you'd like to skip the hassle of handling your own syncing, Buxfer offers automatic nightly syncing of your financial data, automatically logging into and pulling data from your various online money portals. Buxfer comes in three flavors: Basic (free), Plus ($2.79 per month), and Pro ($3.79 per month). All accounts include features like split bills, automatic tagging, and mobile access, but you'll pay a premium for unlimited budgets, bill reminders, and balance projections. You can try a live demo of Buxfer here.


Yodlee MoneyCenter (Free)


As many readers were quick to point out, Yodlee provides the guts to the user sites for hundreds of banking and financial services. Organizations like Mint, Thrive, and large banks like Chase use rebranded but Yodlee-powered interfaces. Yodlee users will often characterize Yodlee as similar to Mint, but without such a strong emphasis on flashy graphics. Instead it focuses more on analyzing your raw data—transaction descriptions, for example, are easier to search and more detailed. Yodlee can import data from thousands of institutions, help you generate a budget, automate your bill paying, and send out user-defined alerts. If you like the idea of a site like Mint but want more fine-grained control and the ability to manually tweak things when necessary, Yodlee is a solid alternative.


Mint (Free)


Mint has risen to prominence as a major player among web-based financial management tools by putting an extreme emphasis on user-friendliness and automation. The focus on automation is so strong, in fact, they only recently added the ability to add in any sort of manual transactions. By providing Mint with your various logins, you can track all your financial accounts in one place—checking, savings, credit cards, investments—and easily generate budgets and projections based off your data. Mint has won many people over, especially in the younger demographic, by being the first tool they've used to really get a good look at their money and where it's going.


ClearCheckbook (Basic: Free, Premium: $4/month)




ClearCheckbook is a web-based checking account ledger on steroids. You can track your spending, input your daily expenses from the web-interface or from your iPhone, Android, or Palm, and generate a budget with spending limits. Upgrading to a premium account gets you a custom report tool, custom transaction fields, future balance projection, and editing of the auto-suggest feature. Visit ClearCheckbook at the link above to check out the video tours of both the free and premium accounts—available at the bottom of the main page.


Mvelopes ($39.60/quarter)


Mvelopes is a robust web-based financial tool built on the old principle of budgeting with envelopes—each budget category gets an envelope with a set amount of money. Its focus on an old budgeting technique, however, doesn't mean you're stuck with dated tools. Mvelopes automatically pulls transaction data from hundreds of financial institutions, supports automatic bill payment, and helps you generate snapshots of your net worth as you adjust your budget and goals. Mvelopes is notable for being the only contender in the Hive without a free account option, a testament perhaps to how happy people are with the service that it made an appearance in the top five despite the lack of free-as-in-beer option.



Now that you've had a chance to look over the top five contenders for best personal money management sites, it's time to cast a vote for your favorite:





Have a favorite web-based tool that didn't get a nod or want to talk up your favorite a bit more? Let's hear it in the comments. Have an idea for the next Hive Five? Send us an email at tips@lifehacker.com with "Hive Five" in the subject line and we'll do our best to get your idea the attention it deserves.





Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.






Five Best Personal Money Management Sites





Web-based financial management tools have grown in sophistication to the point where many people manage their entire financial lives with online tools. Here's a look at five of the most popular personal money management sites.

Photo a mashup of images by Leonardini and Wilton.


Earlier this week we asked you to share your favorite personal money management site; now we're back to highlight the five most popular contenders.


Click on the screenshots below to take a closer look.


Buxfer (Basic: Free, Premium: From $2.79/month)


Many people are hesitant to use online banking services because of security concerns. Buxfer's compromise to provide ease of use while also assuring users and keeping things as controlled as they would like is to offer multiple methods for storing your credentials. You can manually synchronize your financial accounts with the site, you can store your passwords and login credentials locally using Google Gears, Firefox, or Safari, or you can use the Firebux Firefox extension—Firebux helps you automate the process of downloading financial data from your banking institutions and reviewing Buxfer data. If you'd like to skip the hassle of handling your own syncing, Buxfer offers automatic nightly syncing of your financial data, automatically logging into and pulling data from your various online money portals. Buxfer comes in three flavors: Basic (free), Plus ($2.79 per month), and Pro ($3.79 per month). All accounts include features like split bills, automatic tagging, and mobile access, but you'll pay a premium for unlimited budgets, bill reminders, and balance projections. You can try a live demo of Buxfer here.


Yodlee MoneyCenter (Free)


As many readers were quick to point out, Yodlee provides the guts to the user sites for hundreds of banking and financial services. Organizations like Mint, Thrive, and large banks like Chase use rebranded but Yodlee-powered interfaces. Yodlee users will often characterize Yodlee as similar to Mint, but without such a strong emphasis on flashy graphics. Instead it focuses more on analyzing your raw data—transaction descriptions, for example, are easier to search and more detailed. Yodlee can import data from thousands of institutions, help you generate a budget, automate your bill paying, and send out user-defined alerts. If you like the idea of a site like Mint but want more fine-grained control and the ability to manually tweak things when necessary, Yodlee is a solid alternative.


Mint (Free)


Mint has risen to prominence as a major player among web-based financial management tools by putting an extreme emphasis on user-friendliness and automation. The focus on automation is so strong, in fact, they only recently added the ability to add in any sort of manual transactions. By providing Mint with your various logins, you can track all your financial accounts in one place—checking, savings, credit cards, investments—and easily generate budgets and projections based off your data. Mint has won many people over, especially in the younger demographic, by being the first tool they've used to really get a good look at their money and where it's going.


ClearCheckbook (Basic: Free, Premium: $4/month)




ClearCheckbook is a web-based checking account ledger on steroids. You can track your spending, input your daily expenses from the web-interface or from your iPhone, Android, or Palm, and generate a budget with spending limits. Upgrading to a premium account gets you a custom report tool, custom transaction fields, future balance projection, and editing of the auto-suggest feature. Visit ClearCheckbook at the link above to check out the video tours of both the free and premium accounts—available at the bottom of the main page.


Mvelopes ($39.60/quarter)


Mvelopes is a robust web-based financial tool built on the old principle of budgeting with envelopes—each budget category gets an envelope with a set amount of money. Its focus on an old budgeting technique, however, doesn't mean you're stuck with dated tools. Mvelopes automatically pulls transaction data from hundreds of financial institutions, supports automatic bill payment, and helps you generate snapshots of your net worth as you adjust your budget and goals. Mvelopes is notable for being the only contender in the Hive without a free account option, a testament perhaps to how happy people are with the service that it made an appearance in the top five despite the lack of free-as-in-beer option.



Now that you've had a chance to look over the top five contenders for best personal money management sites, it's time to cast a vote for your favorite:





Have a favorite web-based tool that didn't get a nod or want to talk up your favorite a bit more? Let's hear it in the comments. Have an idea for the next Hive Five? Send us an email at tips@lifehacker.com with "Hive Five" in the subject line and we'll do our best to get your idea the attention it deserves.





Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.




mike fuljenz mike fuljenz mike fuljenz mike fuljenz mike fuljenz mike fuljenz

Stabroek <b>News</b> - Deal signed in Shanghai for Amaila

Good News but: 1) strange that the Minister went to Parliament to give info.! I mean, as he said, the Pres. is in China. So one figure this was a staged reporting exercise OR, Norway demanded this report to PArliament ...

Lost Remote | MedCity <b>News</b> growing fast, ready to expand

MedCity News Service and MedCity News Custom give the company a diversified revenue source, in addition to the high CPM advertising the dot-com site has been able to generate. Chris Seper co-founded the site with Mary Vanac. ...

Eric Boehlert: When Does Fox <b>News</b>&#39; Ugly Race Baiting Become The Story?

The conservative movement is now wallowing in the kind of unapologetic race-baiting that mainstream American politics hasn't seen in decades, if not generations.



2010_01_02_to_06_0023 by Vikram Chadaga







2010_01_02_to_06_0023 by Vikram Chadaga