Friday, January 7, 2011

tracking personal finances




Best Mobile Personal Finance Tool: Mint





Earlier last week we asked you to share your favorite mobile personal finance tool. We rounded up the nominations and put the top five before you for a vote. Now we're back with your favorite.

Leading the pack by a brutal landslide; Mint's mobile finance application took home 76% of the vote. Following behind Mint, Pageonce pulled in 14%. Rounding out the bottom of the Hive were Pocket Money (3%), EasyMoney (2%), and ProOnGo (1%).


Click on the chart below to see the results in graph form.



Have an idea for the next Hive Five? Shoot 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 Mobile Personal Finance Tools





It's easy to convince yourself to spend and save responsibly when the numbers are right in front of you, but it's a different story when you're on-the-go. These five great mobile personal finance tools keep your money goals nearby at all times.

Photo a composite of images by neernijus and mellowr.


Smartphones have brought nearly every aspect of desktop computers to your pocket; it only makes sense they'd bring money management, too. Earlier this week we asked you to share your favorite mobile personal finance tool. Now we're back to highlight the five most popular options.


Mint (Android/iOS, Free)




Popular web-based personal finance tool Mint has an equally as popular mobile application for Android and iOS devices. It sports the same simple design as Mint's main site and makes it easy to track your spending, receive alerts about bills and budget issues, and monitor your savings goals. It's polished, the graphs are easy to read, and the total-overview that Mint provides helps keep you on top of your personal finances in ways other tools don't.



Pageonce (Cross-Platform, Free)




Pageonce isn't only about personal finance, but it does personal finance well, and it's available for nearly every mobile platform around. On top of a web-based interface, they have highly polished apps for Android, iOS, BlackBerry, and Windows Mobile (including the newly released Windows Phone 7). It's easy to get real-time updates via email or push notifications on your phone, set alerts to warn you about impending bills or overspending, and view all of your financial stats in eye-catching charts and graphs.



EasyMoney (Android, $9.95)




EasyMoney is an Android-only personal finance manager that includes a home screen widget for speedy transaction inputs, bill notifications, graphs to help you analyze and chart your past and future spending, and a host of small but very useful features like the ability to split transactions between multiple categories. Easy Money also includes a tool for photographing receipts and importing data as well as a checkbook register and easy import/export to .CVS files. EasyMoney offers a 30 day-trial if you're on the fence about spending $10 on the app (consider also, many of the features in EasyMoney are paid upgrades on similar applications).



Pocket Money (iOS, $4.99)




Pocket Money puts a sweeping view of all your accounts and transactions right on your iPhone or iPad. You can manually enter transactions, create repeating transactions based on cycles or dates, create custom filters to view your money the way that is most useful to you, and more. On top of the plethora of features in the stock app you can expand the feature set with in-app purchases like the $0.99 Photo Receipts plugin that allows you to photograph your receipts and import the transaction data off them. Pocket Money has a companion desktop application available for Windows, Mac and Linux—a nice break from the common pattern of iOS apps having Mac-only desktop companions.



ProOnGo (Cross-Platform, Starting at $0.99/Month)




ProOnGo is the most distinctly business-oriented tool in this week's Hive Five. You could use it as a personal finance manager if you desired but the feature set is weighted heavily towards business users who need to track things like automotive mileage, business-related expenses, and generate reports for tax purposes and submission to their company. The basic package runs $0.99/month and is limited to manual entires and expense report generation, the premium package runs $4.99/month and includes web-based access, backups, custom spreadsheets, and synchronization to your American Express business card.



Now that you've had a chance to look over the five most popular mobile finance tools, it's time to vote for your favorite:





Have an idea for the next Hive Five? Shoot us an email at tips@lifehacker.com with "Hive Five" in the subject line and we'll do our best to give you idea the attention it deserves.





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




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BMI.com | <b>News</b> | Nielsen Signs Off on Radio Ratings

Though Nielsen declined to elaborate on its decision to exit the U.S. radio-ratings business, the news came just days after the Arbitron-Clear Channel deal was announced — hardly a coincidence, suggested some media observers. ...

Dallas Morning <b>News</b> publisher on paywall plans: “This is a big <b>...</b>

In talking about the Dallas Morning News' plans to begin charging for digital content next month, Jim Moroney is surprisingly candid about the decision and the economics of the industry. When the publisher of the News told his staff ...

&#39;Breaking Dawn&#39; <b>News</b>: Producer Explains How They Plan to Tackle <b>...</b>

'Vampires doing kicks.' 'Soft porn.' 'A crime against our audience.' 'Newlywed tension.' Fear not, Twi-hards, your beloved movie franchise will not.


Thursday, January 6, 2011

Affiliate Making Money


10 Exciting European Startups from 2010


Europe’s had a bumper year for interesting startup ideas. The Next Web’s Hermione Way and I put our heads together to come up with this list of ten small tech companies from across the continent that have excited us in 2010.


Brainient


London-based Brainient makes it easy to add interactive elements to existing web video. A ‘Magic Script’ lets publishers add a few lines of code into a website’s Body HTML, enabling pre-roll ads, overlays or any other type of Brainient layers on any embedded video in the page.


The company launched its developer tools at The Next Web Conference in April this year and announced the first of a fresh wave of commercial partnerships, allowing video site SeeSaw to transplant Hulu’s “Choose your own ads” format to the UK for the first time.


Tastebuds


If music be the food of love, the Tastebuds is on to a good thing. This Last.fm-powered dating site that we profiled earlier this year matches you with others who share your taste in music.


It’s a simple idea that the site carries off incredibly well and as a niche dating idea we love it. Music taste can often say a lot about a person’s outlook on life and if nothing else, it’s an excellent conversation starter. The service may be a little too reliant on Last.fm from a business point of view, but as a concept it’s beautifully realised.


Skimlinks


Affiliate links are a major revenue stream for some online publishers. Taking all the effort out of this type of marketing, Skimlinks gets rid of the long URLs that often put users off clicking links. The fact that the publisher is getting a cut from sales of the product they’re linking to is completely invisible, as a Skimlinks URL looks just like a normal non-affiliate link.


It’s a model that has won Skimlinks major worldwide publishing clients. This year the London-based startup launched Skimkit, a product that makes it easy for writers to add affiliate links to their articles, even suggesting items that might be suitable to link to.


Shutl


As satisfying as it is to conveniently order shopping online from home, the wait to get it delivered can sometimes make a trip to a bricks-and-mortar store seem like a better option. Shutl aims to improve on next-day delivery by offering products to your door as soon as 90 minutes after you place your order.


The service works by aggregating capacity across local courier companies into a single web-service that retailers can use to speed up deliveries. A GPS tracking facility in partnership with Bing Maps allows shoppers to track their deliveries in real-time via the Shutl website. The UK startup is currently trialling its service with certain Argos stores in the London area.


Paper.li


It was hard to ignore Swiss startup Paper.li this year. The “Twitter newspaper” startup saw rapid viral growth thanks to the automated tweets it sent out each time a user’s daily newspaper was published.


This annoyed some Twitter users, who found their reply stream filled with announcements that they featured in their followers’ Paper.li publications each day. Still, the service is still growing at a reported 1000 papers per day, with plans to expand beyond Twitter and Facebook and offer users the chance to make money from their newspapers in 2011.


Nuji


When we covered Nuji‘s launch earlier this month, we described it as “Instagram meets Instapaper” for shopping. This social network sees you sharing things you like, be they items in shops or objects you spot online, as a way of demonstrating your taste. A mobile app lets you scan barcodes while you’re out shopping, making adding items to your profile easy.


As it builds a network of tastemakers, Nuji plans to monetize by offering relevant shopping deals to users based on their interests.


Flattr


This Swedish startup from Pirate Bay founder Peter Sunde offers publishers an “online tipjar” that can easily monetize any Web page.


After adding money to their Flattr account, users click the ‘Flattr’ button on pages that they like around the Web. At the end of the month, the money in their account is divvied up to the publishers of the content the user ‘Flattr-ed’. Thus far the service’s most high profile signup has been Wikileaks, which added the button to its Afghanistan war logs page as a way of accepting donations. The service remains one of the few income sources that hasn’t been closed off to the controversial whistleblowing website in recent weeks.


Moshi Monsters


Moshi Monsters from London’s Mind Candy became an online phenomenon for children this year. Youngsters can adopt a pet monster, and solve puzzles to earn virtual currency that can be spent on items to help kit out their monsters’ world with food, furniture treats and the like.


The virtual world has seen real-world spinoffs galore. A deal with Penguin Books was followed by toys, mobile apps and video games in what is set to be a highly profitable year.


Stupeflix


France’s Stupeflix offers a browser-based online video suite and this year launched a service to automate the creation of videos, for example, in the online retail sector where a video of a pair of trainers created from a bunch of photos might be more appealing to potential customers than static photos.


Stupeflix also offers an API to automate the processing and generation of video content for third parties.


Screach


Screach aims to make all sorts of screens interactive by way of a mobile app and a highly customisable development platform. TV shows could use it to allow real-time interaction from viewers, bars could use it to run quiz events with instant on-phone rewards for winners and it’s already being used to enhance a museum exhibit in the UK.


At present there’s little to try out Screach’s mobile app on, but that should change next year when the UK start-up is set to announce commercial partnerships.










A milestone reached by mobile music discovery service Shazam: the company says it has come good on its promise and reached 100,000 users, picking up 25 million in the last six months alone.



The figures do not break out how many of those are active users, as opposed to those who have dipped into the service once and never again.

See more of our latest Apps coverage
or add an alert for future coverage of Apps.



But there is evidence that it is making a good return on those who do manage to stay for longer: the original, core service of Shazam lets users enter a snippet of music into an app, or via a mobile website - the service is available via Android, BlackBerry, BREW, iPhone, iPad, J2ME, Symbian and Windows - which Shazam then uses to find the full track. In January Shazam said it was referring 260,000 users to affiliate sites like iTunes on a daily basis as a result of those searches.



Although Shazam has been around for a decade already, it is only in the last few years, with the takeoff in mobile data and smartphone usage, that the service has really come into its own.



This year, Shazam has been moving well beyond its music roots, using the “audio fingerprint” as a way of unlocking other kinds of content. Shazam has partnered with brands in marketing campaigns, and with television shows from the likes of NBC (NYSE: GE) and HBO, to let users “Shazam” clips from ad campaigns and programs to be led to further content: along the lines of an aural version of QR codes.



It has also been trying to further exploit its market footprint by also selling advertising real estate around its own apps: earlier this month it launched expanding ad services, selling the entirety of its inventory to Universal Music until the middle of January, 2011.



While Shazam announced it was profitable back in October 2009, it is still mulling what might be the next step. The company previously told paidContent that it would consider an IPO, more recently Will Mills, head of music and content for Shazam said the company wasn’t focussing on who would buy the company.






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Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


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Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


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Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


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Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters
surface encounters michigan

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters macomb
surface encounters michigan

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters macomb
surface encounters macomb

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters
surface encounters

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters macomb
surface encounters michigan

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters noblesville
surface encounters macomb
surface encounters

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters noblesville
surface encounters michigan

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters macomb mi
surface encounters michigan

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters michigan
surface encounters noblesville

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters rock tops
surface encounters macomb

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters macomb

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters rock tops
surface encounters rock tops

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters macomb mi
surface encounters rock tops

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters macomb
surface encounters rock tops

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters macomb mi
surface encounters macomb mi

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters noblesville
surface encounters macomb

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters michigan
surface encounters noblesville

Small Business <b>News</b>: Recommitting To Social Media in 2011

How important will social media be to small business in 2011? Likely even more important than it was in 2010. Let's face it. Social media gives small business.

Helen Thomas Joins Falls Church <b>News</b>-Press | ARLnow.com

Former White House correspondent Helen Thomas has come out of a seven-month retirement to write a column for the Falls Church News-Press. Thomas was a.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?


surface encounters

Wednesday, January 5, 2011

Making Money From the Internet


The Music Industry and the Web – Time to kiss and make up?


I was reading about the making of Brian Eno’s “Another Green World” earlier I found myself wondering whether it would be possible to record and release such an ambitious album in these times, where record labels are acting like frightened animals, cautiously guarding their IP and making easy moves – no doubt fearful of any further financial hemorrhaging.


Another Green World was made in 1975 in a top London studio that Eno, following a stint in Roxy Music and two well received solo albums, had booked – along with a group of the top musicians of time – without actually having planned much out first. This kind of thing went on a lot in the seventies, where after two decades of lucrative rock ‘n’ roll the money was there to make anything possible and confidence in artists (and not just their managers) was at a peak.


It’s a widely held view that we’re living in a kind of polar opposite to this these days and that the web, with its core principles of openness providing an easy sea for music pirates to sail on, is somehow to blame for this. It doesn’t stop there either – social media advocates that have tried to introduce the need for interaction with audiences to musicians, managers and labels have recently been met with waves of negativity and a sad yearning for “the good old days” when all that was needed to sell thousands of records was a few interviews and some decent radio coverage.


As you’d expect from massive corporate entities, major labels themselves have always been slow to embrace technology and therefore often highly suspicious of it – for instance the delays that have beset the launch of Spotify in the US have apparently been caused by a lack of confidence in potential revenues for the service. This is despite its success in Europe and the fact that these labels own forays into selling music via the web have been massive failures – not to mention the current alternative of continuing to release music only for it to be sold once and then endlessly pirated.


This might be a good time then, if they want to actually be around in ten years time, for labels to begin investing in emerging music technology themselves – rather than be at the mercy of smarter, web-savvy companies that will control their future interaction with audiences, and perhaps even one day seek to usurp them. A wise place to start would be to look into future formats, since MP3 is unlikely to be around forever and has proven to be a medium which suits audiences far, far more than it does the labels. Also, with licensing and IP issues no doubt being a major headache for them in terms of time and resources, perhaps harnessing technology as a means of dealing with these would be wise – although I can see a few people in the legal system resisting this one.


A forward thinking view with regards to the data around their music and artists would benefit them too. You only have to look at LastFm, whose API provides artist and song data to range of popular sites or The Echo Nest, which has recently struck deals around their music data services with two broadcasting giants in the form of BBC and MTV to see that this has a real value in terms of the kind of mobile apps and web services they can provide their audiences in the future.This is certainly something worth thinking about if these begin to replace traditional formats like singles and albums as a means of experiencing music, something that some are starting to believe is very likely. Bearing in mind that this new type of media might allow labels the chance to once again exert some control over the way audiences purchase and interact with music it would be unwise to ignore this trend in the way they ignored the rise of the mp3 fifteen years ago.


As much as I can see that record labels have been overly defensive and almost comically foolish when it comes to the Internet, few things would bring me greater pleasure than to see them recover the confidence to allow them to start investing in artists again and I honestly believe that it’s technology that holds the key to this. Let’s hope we start to see this in the coming years – who knows, maybe one day soon we might get to hear a musical endeavor as glorious as “Another Green World”.



Fishing for compliments is something of a misdemeanor in most social circles — unless your circle is the Internet and you’re fishing with a shiny, new vanity app.

ThreeWords.me is making the rounds this week. It’s a simple app that lets you solicit three-word responses from your friends around the web. Each respondent simply goes to your unique ThreeWords.me URL and enters three words about you.

Your friends can also add comments along with their three words, and you can reply to any entries. In your dashboard, you can see which words people entered the most.

You might get a lot of complimentary words, but be warned, o ye of little self-confidence: The app allows for anonymous commenting, so steel yourself for trolls, profanity and put-downs. You can delete any of the entries at your discretion. You can also choose to make all your responses private.

The premise is ever so grade school, which adds to the app’s charm. While ThreeWords.me is without question a slightly narcissistic game aimed squarely at the perpetually insecure social media scene, it’s nevertheless cute and catching on like wildfire through Twitter and Facebook.

Its UI is simple, as well. You get to upload a background image and profile photo; other than that, the pages are decidedly bare-bones and lacking in the design department. Then again, the design isn’t what matters about this app; getting people to talk about — and hopefully compliment — you is what drives traffic to the pages in this case.

*Words blurred to preserve the author’s lingering sense of humility.

You can connect the app to Facebook, but sadly, you can’t use Facebook or Twitter to find your friends who are also using the app. You’ll have to do that part manually, a major shortcoming that’s likely holding the app back quite a bit in terms of adoption and growth.

ThreeWords.me puts us in mind of Formspring, Facto and a slew of other vanity apps we’ve been watching lately.

The app was created by college freshman Mark Bao, a teenager who’s been trying his hand at web-based entrepreneurialism for quite some time already. While we don’t see ThreeWords.me as a money-making endeavor right now, we’re sure the exposure can’t hurt.

Have you tried ThreeWords.me yet or seen others in your circle using it? Let us know what you think in the comments.

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New Edition of Huckleberry Finn to Drop N-Word: Instant Reactions

Auburn University professor Alan Gribben, along with NewSouth Books, plans to release a newly edited edition of the Mark Twain classic, with every instance of the N-word replaced with the word.

Arrowheadlines: Chiefs <b>News</b> 1/5 - Arrowhead Pride

Happy Wednesday! I think I'm going to have to set the alarm clock a little earlier. There is a lot of Kansas City Chiefs news out there this morning. A couple of the stories overlap a bit, but there are some new thoughts/perspectives ...

NY Christmas Day Parishioners Exposed to Hepatitis A - AOL <b>News</b>

Hundreds of people may have been exposed to hepatitis A when they received Christmas Day communion at a Catholic church on New York's Long Island. Nassau County Health Department officials say anyone who attended the 10:30 a.m. or noon ...

Tuesday, January 4, 2011

Making Money Scam



1. Thank You Tom Coburn



Senator Tom Coburn has had an early Christmas gift handed to him in the form of the Ominous Omnibus. Coburn, perhaps best known for making fools of the big spenders in Washington, is doing it yet again.


He has set up a database where you can dig through and find all the corruption, greed, and lunacy in the Omnibus.


If this doesn’t pass by Saturday, according to the good senator, the government shuts down.


Perhaps we should let it. Go here now to call your Senator. Tell him to vote no.


Please click here for the rest of the post.


2. Omnibus Spending Bill Loaded with Earmarks and New Spending



What do you call the Senate’s Omnibus Spending Bill? An Earmark Bonanza — An Earmark-A-Thon — The Earmark-bus. Clearly, this bill is an outrage to the taxpayer and conservative Senators.


The Senate is about to vote on an Omnibus Spending Bill funding the federal government for the year. House and Senate appropriators crafted a bill in secret and, just yesterday, provided text to Senators and the American people. The bill is 1,924 pages long and it will cost you $1.25 trillion, including $8 billion in earmarks. This appropriations measure is loaded with pork barrel projects, ObamaCare spending and other items on the liberal wish list.


Conservatives are outraged. Senators Tom Coburn (R-OK) and Jim DeMint (R-SC) are expected to make the Clerk of the Senate read this 1,924 appropriations bill. Senator John McCain (R-AZ) has identified 6,488 earmarks. Here is a review of what people are saying about this end of year appropriations measure.


Please click here for the rest of the post.


3. Senator Ethanol, the Young Guns, and the Politically Expedient



Senator John Thune took to the Senate floor yesterday to criticize his fellow 2012 presidential contenders for playing politics with the Obama-Kyl tax deal.


“It is easy to stand on the sidelines and criticize this deal,” Thune said. “And it would perhaps be politically expedient to stand on the sideline and criticize this tax deal. But to advocate against this tax deal is to advocate for a tax increase.”


It certainly is not.


None of the conservatives opposed to Obama-Kyl, including myself, want tax rates to go up on January 1. However, we are simply unwilling to accept the party line that the best deal we could get includes a mammoth 13 month extension of unpaid unemployment benefits (thus caving after a year-long fight on the principle of paying for such extensions), an extension of current tax rates that conveniently ignores the resurrection of the death tax, and a package of tax extenders that includes all sorts of giveaways for big business.


Please click here for the rest of the post.


4. A Tea Party Earmark for Paul Revere



Paul Revere received a $400,000 earmark in the Omnibus Spending bill – well at least his house did. The Paul Revere House received an earmark, thanks to Congressman Mike Capuano (D-MA). It is ironic that the Tea Party movement has risen up to fight against out of control government spending, yet the elites in Washington, DC think it appropriate to soil the name of an American Patriot by funnelling federal money to the Paul Revere House.


Here are three Massachusetts Earmarks that will make your head spin . . .


Please click here for the rest of the post.


5. The Secret Ballot Protection Act & What the Right is Missing with the Card-Check Scam



Sometimes people can’t see the forest through the trees and, while pointing this out among allies during a war being waged by union bosses on the American workplace gives no great pleasure, a gentle prodding is necessary. Here it is: We need to move past the hyperbole of card check.


Once the new Congress is sworn in, card check will not happen legislatively for at least another two years, period. And, more importantly, there is a way to end the entire card-check argument once and for all by garnering support for and passage of the Secret Ballot Protection Act [let the union-bought Democrats oppose secret ballots openly and publicly]. In the meantime, there are more imperative issues to deal with that are undermining workers’ rights and jobs, while fattening union bosses’ wallets.


Please click here for the rest of the post.





Sometimes the obvious isn't clear. We've covered the theft of homes via "hanging judges" in mortgage courts before. At the heart of this confusion (or scam, depending on whether you're a victim or a beneficiary), lies MERS, the virtual mortgage registry that's replaced the handling of mortgage ownership in this brave new slice-and-dice derivative world.

Matt Taibbi, who will have a new big piece about this in a coming issue of Rolling Stone, provides this handy metaphor for understanding what MERS actually is. Here's one slice:

Imagine, say, a family of twelve, two elderly parents in Iowa and ten adult children scattered in different states all over the country. Mom and Dad on the farm own one Ford F-150 that they owe $300 a month on. Every month, the truck gets passed to a different family member, who in turn becomes responsible for the monthly payment. But no matter who has the car and whose turn it is to come up with the $300, the truck stays in Dad's name and the money, in the end, comes to Ford Finance via Dad's checking account.

Looking at this as an individual and unique case, you wouldn't think there was much that was inherently wrong with this setup. Obviously the family arrangement violates the spirit of many laws and procedures [interesting list of spiritual violations here]. But again, looking at this as an individual case, not many people would say any of these "violations" were major moral transgressions, if they were really moral transgressions at all. After all, this is family!

But once you take this setup and institutionalize it, and employ it everywhere on a vast scale, it becomes seriously problematic. This is particularly true if, say, Pop begins allowing his kids to "rent" the car out to non-family members, so long as they kick a small fee upstairs. Say it's March and Pop gives the truck to son Jimmy in Toledo; in April Jimmy gives the truck to his buddy Rick in Akron, charging the $300 payment plus a $20 convenience fee. May: Jimmy gives the car to his girlfriend Trudy in Phoenix, telling her to wire $300 plus another $20 back to Pops in Iowa; she in turn lends the car to her occasional lesbian love interest Madison, who begins renting the car on a day-to-day basis in Tuba City as part of her family's Painted Desert Resort and Tourism business, etc. etc. And she's now kicking the fees back to Iowa.

Within a year Pop is buying fifty vehicles an hour and shuttling cars to new customers all over the country, collecting millions in fees every day; he becomes a billion-dollar corporate fixture, hiring the entire local Elks club to come with him to work as support staff.

So now, to take this already absurdly overwrought metaphor one final painful step further ...
I knew the Elks were involved. Tempted to click through? I am, and I've already read it.

And for fans of straight talk, he provides this handy summary in easy-to-memorize form. The problem in a nutshell:
In short, the mortgage industry considers MERS owner enough to foreclose on you, but not owner enough to be sued, or reasoned with, or even to provide basic customer service.
That's MERS. Thanks, Matt, for making the painfully obvious painfully clear.

Bankers.

GP



robert shumake detroit

Social <b>News</b> Site Reddit Reports 200%+ Growth in 2010

Social news site Reddit posted year-end numbers this afternoon including January and December page view stats that climbed from 250 million pageviews to more than 3X that number, ...

Movie <b>News</b> Quick Hits: Bigfoot to get the &#39;Avatar&#39; Treatment <b>...</b>

A leaked costume test from MGM's completed-but-shelved remake of 1984's 'Red Dawn' has found its way online. It's not much, but thanks to MGM's.

Foot-and-Mouth Outbreak Spreads Through South Korea - AOL <b>News</b>

South Korea is suffering its worst-ever outbreak of foot-and-mouth disease, with the highly contagious virus spreading to farms across the country despite a nationwide quarantine effort.


robert shumake

Social <b>News</b> Site Reddit Reports 200%+ Growth in 2010

Social news site Reddit posted year-end numbers this afternoon including January and December page view stats that climbed from 250 million pageviews to more than 3X that number, ...

Movie <b>News</b> Quick Hits: Bigfoot to get the &#39;Avatar&#39; Treatment <b>...</b>

A leaked costume test from MGM's completed-but-shelved remake of 1984's 'Red Dawn' has found its way online. It's not much, but thanks to MGM's.

Foot-and-Mouth Outbreak Spreads Through South Korea - AOL <b>News</b>

South Korea is suffering its worst-ever outbreak of foot-and-mouth disease, with the highly contagious virus spreading to farms across the country despite a nationwide quarantine effort.


robert shumake


1. Thank You Tom Coburn



Senator Tom Coburn has had an early Christmas gift handed to him in the form of the Ominous Omnibus. Coburn, perhaps best known for making fools of the big spenders in Washington, is doing it yet again.


He has set up a database where you can dig through and find all the corruption, greed, and lunacy in the Omnibus.


If this doesn’t pass by Saturday, according to the good senator, the government shuts down.


Perhaps we should let it. Go here now to call your Senator. Tell him to vote no.


Please click here for the rest of the post.


2. Omnibus Spending Bill Loaded with Earmarks and New Spending



What do you call the Senate’s Omnibus Spending Bill? An Earmark Bonanza — An Earmark-A-Thon — The Earmark-bus. Clearly, this bill is an outrage to the taxpayer and conservative Senators.


The Senate is about to vote on an Omnibus Spending Bill funding the federal government for the year. House and Senate appropriators crafted a bill in secret and, just yesterday, provided text to Senators and the American people. The bill is 1,924 pages long and it will cost you $1.25 trillion, including $8 billion in earmarks. This appropriations measure is loaded with pork barrel projects, ObamaCare spending and other items on the liberal wish list.


Conservatives are outraged. Senators Tom Coburn (R-OK) and Jim DeMint (R-SC) are expected to make the Clerk of the Senate read this 1,924 appropriations bill. Senator John McCain (R-AZ) has identified 6,488 earmarks. Here is a review of what people are saying about this end of year appropriations measure.


Please click here for the rest of the post.


3. Senator Ethanol, the Young Guns, and the Politically Expedient



Senator John Thune took to the Senate floor yesterday to criticize his fellow 2012 presidential contenders for playing politics with the Obama-Kyl tax deal.


“It is easy to stand on the sidelines and criticize this deal,” Thune said. “And it would perhaps be politically expedient to stand on the sideline and criticize this tax deal. But to advocate against this tax deal is to advocate for a tax increase.”


It certainly is not.


None of the conservatives opposed to Obama-Kyl, including myself, want tax rates to go up on January 1. However, we are simply unwilling to accept the party line that the best deal we could get includes a mammoth 13 month extension of unpaid unemployment benefits (thus caving after a year-long fight on the principle of paying for such extensions), an extension of current tax rates that conveniently ignores the resurrection of the death tax, and a package of tax extenders that includes all sorts of giveaways for big business.


Please click here for the rest of the post.


4. A Tea Party Earmark for Paul Revere



Paul Revere received a $400,000 earmark in the Omnibus Spending bill – well at least his house did. The Paul Revere House received an earmark, thanks to Congressman Mike Capuano (D-MA). It is ironic that the Tea Party movement has risen up to fight against out of control government spending, yet the elites in Washington, DC think it appropriate to soil the name of an American Patriot by funnelling federal money to the Paul Revere House.


Here are three Massachusetts Earmarks that will make your head spin . . .


Please click here for the rest of the post.


5. The Secret Ballot Protection Act & What the Right is Missing with the Card-Check Scam



Sometimes people can’t see the forest through the trees and, while pointing this out among allies during a war being waged by union bosses on the American workplace gives no great pleasure, a gentle prodding is necessary. Here it is: We need to move past the hyperbole of card check.


Once the new Congress is sworn in, card check will not happen legislatively for at least another two years, period. And, more importantly, there is a way to end the entire card-check argument once and for all by garnering support for and passage of the Secret Ballot Protection Act [let the union-bought Democrats oppose secret ballots openly and publicly]. In the meantime, there are more imperative issues to deal with that are undermining workers’ rights and jobs, while fattening union bosses’ wallets.


Please click here for the rest of the post.





Sometimes the obvious isn't clear. We've covered the theft of homes via "hanging judges" in mortgage courts before. At the heart of this confusion (or scam, depending on whether you're a victim or a beneficiary), lies MERS, the virtual mortgage registry that's replaced the handling of mortgage ownership in this brave new slice-and-dice derivative world.

Matt Taibbi, who will have a new big piece about this in a coming issue of Rolling Stone, provides this handy metaphor for understanding what MERS actually is. Here's one slice:

Imagine, say, a family of twelve, two elderly parents in Iowa and ten adult children scattered in different states all over the country. Mom and Dad on the farm own one Ford F-150 that they owe $300 a month on. Every month, the truck gets passed to a different family member, who in turn becomes responsible for the monthly payment. But no matter who has the car and whose turn it is to come up with the $300, the truck stays in Dad's name and the money, in the end, comes to Ford Finance via Dad's checking account.

Looking at this as an individual and unique case, you wouldn't think there was much that was inherently wrong with this setup. Obviously the family arrangement violates the spirit of many laws and procedures [interesting list of spiritual violations here]. But again, looking at this as an individual case, not many people would say any of these "violations" were major moral transgressions, if they were really moral transgressions at all. After all, this is family!

But once you take this setup and institutionalize it, and employ it everywhere on a vast scale, it becomes seriously problematic. This is particularly true if, say, Pop begins allowing his kids to "rent" the car out to non-family members, so long as they kick a small fee upstairs. Say it's March and Pop gives the truck to son Jimmy in Toledo; in April Jimmy gives the truck to his buddy Rick in Akron, charging the $300 payment plus a $20 convenience fee. May: Jimmy gives the car to his girlfriend Trudy in Phoenix, telling her to wire $300 plus another $20 back to Pops in Iowa; she in turn lends the car to her occasional lesbian love interest Madison, who begins renting the car on a day-to-day basis in Tuba City as part of her family's Painted Desert Resort and Tourism business, etc. etc. And she's now kicking the fees back to Iowa.

Within a year Pop is buying fifty vehicles an hour and shuttling cars to new customers all over the country, collecting millions in fees every day; he becomes a billion-dollar corporate fixture, hiring the entire local Elks club to come with him to work as support staff.

So now, to take this already absurdly overwrought metaphor one final painful step further ...
I knew the Elks were involved. Tempted to click through? I am, and I've already read it.

And for fans of straight talk, he provides this handy summary in easy-to-memorize form. The problem in a nutshell:
In short, the mortgage industry considers MERS owner enough to foreclose on you, but not owner enough to be sued, or reasoned with, or even to provide basic customer service.
That's MERS. Thanks, Matt, for making the painfully obvious painfully clear.

Bankers.

GP



robert shumake detroit

10-02-2008 12-09-14 PM_00109.JPG by thepretenda


robert shumake

Social <b>News</b> Site Reddit Reports 200%+ Growth in 2010

Social news site Reddit posted year-end numbers this afternoon including January and December page view stats that climbed from 250 million pageviews to more than 3X that number, ...

Movie <b>News</b> Quick Hits: Bigfoot to get the &#39;Avatar&#39; Treatment <b>...</b>

A leaked costume test from MGM's completed-but-shelved remake of 1984's 'Red Dawn' has found its way online. It's not much, but thanks to MGM's.

Foot-and-Mouth Outbreak Spreads Through South Korea - AOL <b>News</b>

South Korea is suffering its worst-ever outbreak of foot-and-mouth disease, with the highly contagious virus spreading to farms across the country despite a nationwide quarantine effort.


robert shumake

Social <b>News</b> Site Reddit Reports 200%+ Growth in 2010

Social news site Reddit posted year-end numbers this afternoon including January and December page view stats that climbed from 250 million pageviews to more than 3X that number, ...

Movie <b>News</b> Quick Hits: Bigfoot to get the &#39;Avatar&#39; Treatment <b>...</b>

A leaked costume test from MGM's completed-but-shelved remake of 1984's 'Red Dawn' has found its way online. It's not much, but thanks to MGM's.

Foot-and-Mouth Outbreak Spreads Through South Korea - AOL <b>News</b>

South Korea is suffering its worst-ever outbreak of foot-and-mouth disease, with the highly contagious virus spreading to farms across the country despite a nationwide quarantine effort.


robert shumake

This is a full proof way of making money online with google adsense. It is totally free and you don't even need to have a website to go through with this. I will list the steps needed for this technique to work. Note that this is not a scam and that you don't need to pay anyone to start making money.

Step 1: Go to blogspot.com and create a blog. This is probably the hardest step of making money online this way since the steps that follow are easier than cake.

Step 2: Write about something that is very popular these days or about something that you have a passion about.

Step 3: Activate google adsense on Blogspot.com by clicking the button monetize that can be located in the settings of your blog.

Step 4: step 3 will lead you to setting up an adsense account. Note that it may take up to 2 weeks for google to validate your account.

Step 5: In order to make 100$ a month this way, you will need on average between 30 to 40 clicks on one of the ads on your website per day. Be careful not to click on the ads hosted on your blog from your home because google can trace your ip adress since it will be used to access your adsense account. What you can do is ask 30 to 40 of your freinds to click on one of the ads on your website everyday. To make this easier for them, you can tell them to put your blog as their homepage. What you could also do is click on the ads yourself from your university, however be sure to make one click and not more than one click from the same computer in your university.

If you liked this article, please go to my blog www.ih8t.blogspot.com and click on one of the ads hosted on my blog :)


robert shumake

Social <b>News</b> Site Reddit Reports 200%+ Growth in 2010

Social news site Reddit posted year-end numbers this afternoon including January and December page view stats that climbed from 250 million pageviews to more than 3X that number, ...

Movie <b>News</b> Quick Hits: Bigfoot to get the &#39;Avatar&#39; Treatment <b>...</b>

A leaked costume test from MGM's completed-but-shelved remake of 1984's 'Red Dawn' has found its way online. It's not much, but thanks to MGM's.

Foot-and-Mouth Outbreak Spreads Through South Korea - AOL <b>News</b>

South Korea is suffering its worst-ever outbreak of foot-and-mouth disease, with the highly contagious virus spreading to farms across the country despite a nationwide quarantine effort.


robert shumake

10-02-2008 12-09-14 PM_00109.JPG by thepretenda


robert shumake detroit


1. Thank You Tom Coburn



Senator Tom Coburn has had an early Christmas gift handed to him in the form of the Ominous Omnibus. Coburn, perhaps best known for making fools of the big spenders in Washington, is doing it yet again.


He has set up a database where you can dig through and find all the corruption, greed, and lunacy in the Omnibus.


If this doesn’t pass by Saturday, according to the good senator, the government shuts down.


Perhaps we should let it. Go here now to call your Senator. Tell him to vote no.


Please click here for the rest of the post.


2. Omnibus Spending Bill Loaded with Earmarks and New Spending



What do you call the Senate’s Omnibus Spending Bill? An Earmark Bonanza — An Earmark-A-Thon — The Earmark-bus. Clearly, this bill is an outrage to the taxpayer and conservative Senators.


The Senate is about to vote on an Omnibus Spending Bill funding the federal government for the year. House and Senate appropriators crafted a bill in secret and, just yesterday, provided text to Senators and the American people. The bill is 1,924 pages long and it will cost you $1.25 trillion, including $8 billion in earmarks. This appropriations measure is loaded with pork barrel projects, ObamaCare spending and other items on the liberal wish list.


Conservatives are outraged. Senators Tom Coburn (R-OK) and Jim DeMint (R-SC) are expected to make the Clerk of the Senate read this 1,924 appropriations bill. Senator John McCain (R-AZ) has identified 6,488 earmarks. Here is a review of what people are saying about this end of year appropriations measure.


Please click here for the rest of the post.


3. Senator Ethanol, the Young Guns, and the Politically Expedient



Senator John Thune took to the Senate floor yesterday to criticize his fellow 2012 presidential contenders for playing politics with the Obama-Kyl tax deal.


“It is easy to stand on the sidelines and criticize this deal,” Thune said. “And it would perhaps be politically expedient to stand on the sideline and criticize this tax deal. But to advocate against this tax deal is to advocate for a tax increase.”


It certainly is not.


None of the conservatives opposed to Obama-Kyl, including myself, want tax rates to go up on January 1. However, we are simply unwilling to accept the party line that the best deal we could get includes a mammoth 13 month extension of unpaid unemployment benefits (thus caving after a year-long fight on the principle of paying for such extensions), an extension of current tax rates that conveniently ignores the resurrection of the death tax, and a package of tax extenders that includes all sorts of giveaways for big business.


Please click here for the rest of the post.


4. A Tea Party Earmark for Paul Revere



Paul Revere received a $400,000 earmark in the Omnibus Spending bill – well at least his house did. The Paul Revere House received an earmark, thanks to Congressman Mike Capuano (D-MA). It is ironic that the Tea Party movement has risen up to fight against out of control government spending, yet the elites in Washington, DC think it appropriate to soil the name of an American Patriot by funnelling federal money to the Paul Revere House.


Here are three Massachusetts Earmarks that will make your head spin . . .


Please click here for the rest of the post.


5. The Secret Ballot Protection Act & What the Right is Missing with the Card-Check Scam



Sometimes people can’t see the forest through the trees and, while pointing this out among allies during a war being waged by union bosses on the American workplace gives no great pleasure, a gentle prodding is necessary. Here it is: We need to move past the hyperbole of card check.


Once the new Congress is sworn in, card check will not happen legislatively for at least another two years, period. And, more importantly, there is a way to end the entire card-check argument once and for all by garnering support for and passage of the Secret Ballot Protection Act [let the union-bought Democrats oppose secret ballots openly and publicly]. In the meantime, there are more imperative issues to deal with that are undermining workers’ rights and jobs, while fattening union bosses’ wallets.


Please click here for the rest of the post.





Sometimes the obvious isn't clear. We've covered the theft of homes via "hanging judges" in mortgage courts before. At the heart of this confusion (or scam, depending on whether you're a victim or a beneficiary), lies MERS, the virtual mortgage registry that's replaced the handling of mortgage ownership in this brave new slice-and-dice derivative world.

Matt Taibbi, who will have a new big piece about this in a coming issue of Rolling Stone, provides this handy metaphor for understanding what MERS actually is. Here's one slice:

Imagine, say, a family of twelve, two elderly parents in Iowa and ten adult children scattered in different states all over the country. Mom and Dad on the farm own one Ford F-150 that they owe $300 a month on. Every month, the truck gets passed to a different family member, who in turn becomes responsible for the monthly payment. But no matter who has the car and whose turn it is to come up with the $300, the truck stays in Dad's name and the money, in the end, comes to Ford Finance via Dad's checking account.

Looking at this as an individual and unique case, you wouldn't think there was much that was inherently wrong with this setup. Obviously the family arrangement violates the spirit of many laws and procedures [interesting list of spiritual violations here]. But again, looking at this as an individual case, not many people would say any of these "violations" were major moral transgressions, if they were really moral transgressions at all. After all, this is family!

But once you take this setup and institutionalize it, and employ it everywhere on a vast scale, it becomes seriously problematic. This is particularly true if, say, Pop begins allowing his kids to "rent" the car out to non-family members, so long as they kick a small fee upstairs. Say it's March and Pop gives the truck to son Jimmy in Toledo; in April Jimmy gives the truck to his buddy Rick in Akron, charging the $300 payment plus a $20 convenience fee. May: Jimmy gives the car to his girlfriend Trudy in Phoenix, telling her to wire $300 plus another $20 back to Pops in Iowa; she in turn lends the car to her occasional lesbian love interest Madison, who begins renting the car on a day-to-day basis in Tuba City as part of her family's Painted Desert Resort and Tourism business, etc. etc. And she's now kicking the fees back to Iowa.

Within a year Pop is buying fifty vehicles an hour and shuttling cars to new customers all over the country, collecting millions in fees every day; he becomes a billion-dollar corporate fixture, hiring the entire local Elks club to come with him to work as support staff.

So now, to take this already absurdly overwrought metaphor one final painful step further ...
I knew the Elks were involved. Tempted to click through? I am, and I've already read it.

And for fans of straight talk, he provides this handy summary in easy-to-memorize form. The problem in a nutshell:
In short, the mortgage industry considers MERS owner enough to foreclose on you, but not owner enough to be sued, or reasoned with, or even to provide basic customer service.
That's MERS. Thanks, Matt, for making the painfully obvious painfully clear.

Bankers.

GP



robert shumake

Social <b>News</b> Site Reddit Reports 200%+ Growth in 2010

Social news site Reddit posted year-end numbers this afternoon including January and December page view stats that climbed from 250 million pageviews to more than 3X that number, ...

Movie <b>News</b> Quick Hits: Bigfoot to get the &#39;Avatar&#39; Treatment <b>...</b>

A leaked costume test from MGM's completed-but-shelved remake of 1984's 'Red Dawn' has found its way online. It's not much, but thanks to MGM's.

Foot-and-Mouth Outbreak Spreads Through South Korea - AOL <b>News</b>

South Korea is suffering its worst-ever outbreak of foot-and-mouth disease, with the highly contagious virus spreading to farms across the country despite a nationwide quarantine effort.


robert shumake detroit

10-02-2008 12-09-14 PM_00109.JPG by thepretenda


robert shumake detroit










Thursday, December 30, 2010

foreclosure list


A press release from LPS' Mortgage Monitor Report shows Foreclosure Inventory Rising for 5th Straight Month

The November Mortgage Monitor report released by Lender Processing Services, Inc. (LPS) shows that the volume of loans moving to REO continued to drop as moratoria further delayed foreclosure sales. While the 90+ delinquency category has steadily declined, the number of loans moving to seriously delinquent status beyond 90 days far outpaced the number of foreclosure starts. Nearly 2.2 million loans are 90 days or more delinquent but not yet in foreclosure.

Foreclosure inventories also continued to rise for the fifth straight month as delinquent accounts are referred for foreclosure, but the sale of foreclosure properties continued to decline. When compared to January 2008 levels, the foreclosure inventory of Jumbo Prime loans is nearly seven times higher; the inventory of Agency Prime loans is nearly six times higher; and the foreclosure inventory of Option ARM loans is approaching five times the inventory in January 2008.

The report also shows that one-third of loans that are 90 days or more delinquent have not made a payment in a year; however, the number of new problem loans declined nearly 5.4 percent from October, which is opposite of the seasonality trend that typically impacts new delinquencies this time of year. Self-cures for loans one to two months delinquent increased in November to a six-month high.

In the month of November, 261,153 loans were referred to foreclosure, which represents a 0.7% month-over-month decline. The total number of delinquent loans is nearly 2.1 times historical averages - and foreclosure inventory is currently at 7.7 times historical averages.

As reported in LPS' First Look release, other key results from LPS' latest Mortgage Monitor report include:

  • Total U.S. loan delinquency rate: 9.02 percent
  • Total U.S. foreclosure inventory rate: 4.08 percent
  • Total U.S. non-current* loan rate: 13.10 percent
  • States with most non-current* loans: Florida, Nevada, Mississippi, Georgia, New Jersey
  • States with fewest non-current* loans: North Dakota, South Dakota, Alaska, Wyoming, Montana
Charts From The Report

The report is 34 pages long. Inquiring minds may wish to give it a closer look. Here are a few select charts.

click on any chart for sharper image

Delinquent and Foreclosure Rates by Month



Total Delinquency Percent Excluding Foreclosures



Total Foreclosure Percent By Product



Foreclosure Increase Compared to January 2008



Loan Cures



Serious Delinquencies



Foreclosure Starts vs. Serious Delinquencies




While there are some welcome trends in direction, actual foreclosures are lagging. The pent-up need to foreclose is huge.

Moreover, mortgage rates have rising nearly a full percentage point in the last 45 days. This will put a damper on already depressed home sales, making it harder to unload inventory.

Look for months of inventory to soar in the upcoming months with continued declines in home prices. Contrary to what most think, falling prices are a good thing. Home prices need to fall to a point low enough where genuine demand kicks in.

Foreclosure moratoriums are counterproductive and exacerbate existing problems.

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







Jennifer Love Hewitt appears topless in the promotional material for her new television show, The Client List.


If this is the way of getting the attention of male viewers, I’d say that it might just work. What do you think?


The show is about a former beauty queen named Samantha Horton who takes a job at a massage parlor when her family faces foreclosure on their home. She has to help with the bills when her husband suffers an injury that keeps him from working.


She soon learns that her clients might just be looking for a happy ending….



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Kidney Donation Set as Condition of Miss. Sisters - AOL <b>News</b>

Gov. Haley Barbour has pardoned Gladys and Jamie Scott, who were each serving life sentences for an $11 armed robbery. But to be released, Gladys, 36, must donate a kidney to her 38-year-old sister, Jamie, who requires dialysis and ...

Fox <b>News</b> Channel&#39;s Kimberly Guilfoyle: Ignore CPAC boycotters <b>...</b>

Former first lady of San Francisco tells groups boycotting February convention to participate if they want to be heard.

HP wins $2.5 billion contract with NASA | Business Tech - CNET <b>News</b>

Beating out Lockheed Martin, HP will sell $2.5 billion worth of products and service to the space agency. Read this blog post by Lance Whitney on Business Tech.


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Tuesday, December 28, 2010

Making Money Uk

If you’re going to make an omelet, some egg-breaking is a sure bet, especially if that omelet is a contender for the crown of best online console multiplayer and content delivery service. Which would make the eggs your money, in a nutshell. Or egshell, ba-dum pish. You, in this scenario, being Sony laying the groundwork for their PSN, which incidentally, isn’t making all that much money right now. But it will, or at least Kaz Hirai thinks so.

“We’re shooting to get the PSN in the black in 2011,” he said to Reuters. How, might any one of the 60 million PSN registered users with a vested interest might ask? Well, apparently PSN sales have doubled over the past year and Sony are hoping that’s going to continue to be the case. Also, some awesome demos and an Android app to stoke the fires of interest can’t hurt. And as long as multiplayer stays free on PSN, we don;t see any reason for Sony to worry about potential growth.


The Office of Fair Trading (OFT) in the UK is making good on its threat to punish companies that purchase coverage online without public disclosure. The OFT says it has "received undertakings" from at least one company for violating the UK's fair trading laws—a warning to others that might pay for blog or Twitter posts without admitting to doing so.



Handpicked Media, a UK-based startup that provides "sponsored" posts to hundreds of blogs, got a public slap on the wrist from the OFT on Monday following the discovery that the company was not properly disclosing its paid online promotions. OFT noted that Handpicked Media cooperated with the investigation, but said that the company has now agreed not to engage in such activity without making it obvious that the posts had been paid for "in a manner unavoidable to the average consumer."



"The integrity of information published online is crucial so that people can make informed decisions on how to spend their money," OFT Consumer Group senior director Heather Clayton said in a statement. "We expect online advertising and marketing campaigns to be transparent so consumers can clearly tell when blogs, posts, and microblogs have been published in return for payment or payment in kind. We expect this to include promotions for products and services as well as editorial content."



Here in the US, the Federal Trade Commission has similar rules in place for sponsored blog posts, but it is not always easy to enforce since it's hard to confirm whether a writer has received payment or not. Still, there have been some results—Reverb Communications recently settled with the FTC over accusations that company employees posted positive reviews for the games the company was hired to promote.



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Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...


bench craft company scam

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...


bench craft company scam

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...


bench craft company scam

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...


bench craft company scam

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...


bench craft company scam

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...


bench craft company scam

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...


bench craft company scam

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...


bench craft company scam

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...


bench craft company scam

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...


bench craft company scam

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...


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