Showing posts with label online stock trading and investments. Show all posts
Showing posts with label online stock trading and investments. Show all posts

Wednesday, November 17, 2010

personal finance programs




The Electrical Engineering PhD and former CEO of Northrop Grumman will join Apple’s board of directors and serve as the Chair of the Audit and Finance Committee.  The spot was vacated when Jerome York passed away in March.


“Ron is an engineer at heart, who then became a very successful business leader. We are very excited to welcome him to Apple’s Board,” said Steve Jobs, Apple’s CEO. “In addition to having been the CEO of a high-tech Fortune 100 company, Ron has a Ph.D. in engineering and has been involved in the development of some very sophisticated technology.”


A little background from Wikipedia:.


Ronald D. Sugar (born 1949) has been chairman of the board and chief executive officer of Northrop Grumman Corporation, a global defense company, since 2003. On September 16, 2009, he announced that he would retire as CEO from Northrop Grumman at the end of the year, to be succeeded by now Chief Operating Officer Wesley G. Bush. He has also been a director of Chevron Corporation since 2005. In 1968, he graduated summa cum laude in engineering from the University of California, Los Angeles. He obtained a Ph.D. in electrical engineering from UCLA in 1971. He is a member of the USC Board of Trustees.


Press release follows.


The college preparatory schools would be restructured to teach by modules (the vocational schools could be similarly designed). For each grade level, a curriculum would be established identifying the subjects to be mastered to complete that grade. These might include fifteen to twenty topics each for math, science, history, language arts, fine arts, etc. Students would choose a topic module (e.g., beginning algebra: how to solve an equation), attend the classes, take a test (which might be written or oral), and have that module signed off by the teacher. Modules may be taken in any order, and students need not attend class to have a skill signed off; that is, they may study on their own or test on prior experience. Once all requirements for a grade were completed, the student would be awarded a diploma for that grade. Students would no longer achieve "high school graduation," but would be a graduate of the grade completed with a diploma for each level of achievement. Dropouts would no longer exist because every student would be a diploma-holding graduate of the last grade he/she completed successfully.
alpine payment systems scam

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

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

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

360-exclusive Fallout: NV DLC revealed Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of 360-exclusive Fallout: NV DLC revealed.



10di1227-52 by USDAgov


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

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

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

360-exclusive Fallout: NV DLC revealed Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of 360-exclusive Fallout: NV DLC revealed.


alpine payment systems scam

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

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

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

360-exclusive Fallout: NV DLC revealed Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of 360-exclusive Fallout: NV DLC revealed.


Friday, September 24, 2010

personal finance





10 Things Money Managers Won't Say [Smart Money] "#1: 'You may have more investing experience than I do.'"

3 Proven Ways to Save Real Money at Garage Sales [Wise Bread] "Here is how I managed to get some awesome deals!"

6 Tips to Stretch Your Back-to-School Cash [Money Talks News] "Here are five tips for stretching your back-to-school dollars."

Tips on tipping for 63 services [NY Times] "You know how much to tip the pizza delivery guy, right? But how about the fishing guide, tour guide or tattoo artist?"

Getting a Will: Six Common Questions [Bucks Blog] "Some common queries that tend to arise when writing a will."

— FREE MONEY FINANCE







Comments


Subscribe to comments for this post OR Subscribe to comments for all ReadWriteWeb posts










  1. Wow, I just made money. My home value shot up $70k. Mint single-handedly lifts the US out of the recession with this move. Seriously, most real-estate people I've talked with don't agree with Zillows home value calculations. Personally, I'm a fan of Zillow but they value my home much much higher than the previous site Mint used to calculate these values. Moral of the story? Don't worry about your home's value until you sell. Then and only then will you know the true value of your home, at least on that day.



    Posted by: Joel Price |
    September 22, 2010 8:22 AM




















  2. Words of wisdom Joel, words of wisdom!



    Posted by: sasha |
    September 22, 2010 10:30 AM
























  3. retiree big white booty

    Bad <b>news</b> for green technology | Watts Up With That?

    Super magnet production has also been shipped over to China http://www.chinamagnet.in/i-News-229212/The-development-and-applications-of-Rare-Earth-Permanent-Magnetic-Materials-244616.html. Over the last 10 to 20 years companies have ...

    Middle East Countries Race for Nuclear Power

    (Sept. 24) -- Nations in the Middle East, rich in oil, natural gas and volatile politics, are pursuing nuclear power with a headlong vigor that gives some analysts pause.

    Early Critics Weigh in on Benu : Good <b>News</b>/Bad <b>News</b> : Eater SF

    After slaving away in the internationally acclaimed French Laundry kitchen with one Thomas Kellar for years, Corey Lee is on his own now at Benu. If you've never heard of...


    Bad <b>news</b> for green technology | Watts Up With That?

    Super magnet production has also been shipped over to China http://www.chinamagnet.in/i-News-229212/The-development-and-applications-of-Rare-Earth-Permanent-Magnetic-Materials-244616.html. Over the last 10 to 20 years companies have ...

    Middle East Countries Race for Nuclear Power

    (Sept. 24) -- Nations in the Middle East, rich in oil, natural gas and volatile politics, are pursuing nuclear power with a headlong vigor that gives some analysts pause.

    Early Critics Weigh in on Benu : Good <b>News</b>/Bad <b>News</b> : Eater SF

    After slaving away in the internationally acclaimed French Laundry kitchen with one Thomas Kellar for years, Corey Lee is on his own now at Benu. If you've never heard of...


    big white booty

    Bad <b>news</b> for green technology | Watts Up With That?

    Super magnet production has also been shipped over to China http://www.chinamagnet.in/i-News-229212/The-development-and-applications-of-Rare-Earth-Permanent-Magnetic-Materials-244616.html. Over the last 10 to 20 years companies have ...

    Middle East Countries Race for Nuclear Power

    (Sept. 24) -- Nations in the Middle East, rich in oil, natural gas and volatile politics, are pursuing nuclear power with a headlong vigor that gives some analysts pause.

    Early Critics Weigh in on Benu : Good <b>News</b>/Bad <b>News</b> : Eater SF

    After slaving away in the internationally acclaimed French Laundry kitchen with one Thomas Kellar for years, Corey Lee is on his own now at Benu. If you've never heard of...



    Child guardian ILLUS.jpg by Contra Costa Times







    Child guardian ILLUS.jpg by Contra Costa Times






























personal finance programs


The State University of New York, which has 64 campuses, has agreed to a code of conduct developed by New York Attorney General Andrew Cuomo designed to safeguard students from unscrupulous marketing.



The code outlines steps schools should take to monitor and limit credit card marketing to students, according to Bloomberg News. Under the code, colleges would be required to offer financial literacy programs and not share personal information with credit card companies without permission.



Perhaps most importantly, the code bans agreements in which the school earns a percentage of finance charges imposed on students. Schools are being asked to select cards based on students' best interests if an exclusive marketing agreement is made with a credit card company, and must also monitor all credit card offers being marketed on campus.



Cuomo is investigating credit-card marketing practices that target college students through their institutions.



A 2009 survey by Sallie Mae found the average college student graduates with nearly $4,100 in credit card debt.

At a time when bailouts for America’s rich proceed unimpeded and Americans are left to fend for themselves, support for further subsidies for the rich is limited among the public. Gallup polling finds that a majority of Americans (56 percent) oppose extending the Bush-era tax cuts, which went overwhelmingly to the wealthiest of Americans. Just one in three support extending the cuts, despite the current rhetoric of the Republican Party.


Opposition to the Bush-era tax cuts is entirely rational among the public in light of the cuts’ failure to promote economic growth. The Bush tax cuts concentrated the greatest benefits toward the rich, and benefits for the affluent became even greater in their later years (during the 2008 to 2010 period specifically). They are set to expire this year, unless Democrats and Republicans in Congress renew them. Although massive amounts of cash from the cuts fell into the hands of America’s wealthiest one percent, these elites have looked at the increased volatility of today’s market and decided to hoard the cash instead of investing it. To make matters worse, extending the cuts will result in an additional transfer of $31 billion into the hands of America’s billionaires.


Labor economist Robert Reich argues that tax cuts directed at the rich do little to restore a vibrant economy. Providing an inconvenient historical analysis to the narrative forwarded by Republicans, Reich explains that from the 1951 to 1980 period, when marginal taxes were between 72 and 90 percent, average economic growth per year was at 3.7 percent. From 1983 through the recent recession – when tax cuts under Reagan and Bush were a mainstay of macro-economic policy, national yearly economic growth averaged 3 percent. Reich is not alone in his conclusion. My previous piece on the Bush tax cuts, drawing on data from the Economic Policy Institute points out that, during the period when Bush’s tax cuts were passed and when the economy began a recovery (following the dot.com crash of 2000), economic growth was generally significantly weaker than during previous economic cycles that weren’t characterized by mass tax cuts for the rich (http://www.media-ocracy.com/?p=1436). In short, there appears to be little evidence that massive subsidies to the rich are the magic formula for restoring an ailing economy. They do a lot to redistribute wealth, but little to promote short-term rapid growth, since they keep money out of the hands of those most likely to spend it right away – the working and middle class.


Tax cuts for the rich (and the cuts for business Obama is proposing) – as with cuts to the wealthy in the past – will do little-to-nothing to restore growth. The reason why is obvious enough: at a time when the masses are tapped out due to continued high levels of unemployment, massive layoffs, and high levels of personal debt, Americans have little incentive to spend without caution. Putting more money into the hands of the public (through a mass public employment program, for example, or other social welfare programs), would help in terms of stimulating spending and economic growth. What will not help are tax cuts aimed at businesses that have no incentive to increase production of goods and services because of the decreased ability of the mass public to afford such goods at a time when everyone is tightening their belts. All that tax cuts for the rich will do is further increase the already appalling depression-level inequality that exists in this country. Besides, business elites have been sitting on a mountain of cash for some time now. If they haven’t invested that money by hiring new workers, there’s little reason to expect that they will do so following another infusion of tax cuts. Corporations like the pharmaceutical giant Pfizer are sitting on more than $26 billion in cash, refusing to reinvest it in job growth. Pfizer isn’t alone either. Fortune reports that non-finance companies in the S&P 500 are holding $837 billion in cash, a growth of 26% since 2009, at a time when the economy limps along and the state mass layoffs for public workers are becoming more common. This level of cash reserves is far outside normal levels from years past, and is unconscionable at a time when these companies should be hiring new workers and focusing on expansion.


As political scientists Jacob Hacker and Paul Pierson show in their book Off Center: the Republican Revolution and the Erosion of American Democracy, the public has opposed tax cuts for the rich for at least the last ten years. Most would rather see government expand its responsibilities to assist the masses and less fortunate through the expansion of broad based social welfare programs. This lesson may stand at odds with Republican-conservative propaganda framing the public as moving to the right in the midst of a Tea Party revolution, but there is little reason to take these pronouncements seriously in light of decades of public opinion data showing longstanding public support for many individual social welfare programs (for more on this data, see the recent books by Martin Gilens, Benjamin Page, and Robert Shapiro, titled Why Americans Hate Welfare and Class War? What Americans Really Think about Economic Inequality).


Corporate America’s gravy train of bailouts and business tax cuts have enabled a culture of entitlement among America’s rich and a callousness that justifies massive layoffs, pursued alongside record executive and CEO bonuses. The pillaging of public funds for private gain is unlikely to stop in the near future in light of what appear to be imminent mass gains in Republican Congressional seats this fall.


Anthony DiMaggio is the editor of media-ocracy (www.media-ocracy.com), a daily online magazine devoted to the study of media, public opinion, and current events. He has taught U.S. and Global Politics at Illinois State University and North Central College, and is the author of When Media Goes to War (2010) and Mass Media, Mass Propaganda (2008). He can be reached at: mediaocracy@gmail.com




statefarm big white booty

&#39;Fox <b>News</b> Sunday&#39; to Host Kentucky Senate Debate - NYTimes.com

Jack Conway, Kentucky's attorney general and the Democratic candidate for Senate, and Rand Paul, the Republican nominee, have agreed to a live debate on "Fox News Sunday" on Oct. 3.

Small Business <b>News</b>: An Owner&#39;s Manual

If only there were an owner's manual that came with your small business telling you what works, what doesn't and what are the best ways to move ahead in your.

ICM And WME And CAA <b>News</b>… – Deadline.com

ICM's talent department signed Emmy nominee and TV standout (Malcolm In The Middle) Jane Kaczmarek, who had been represented by WME. She's managed by Adena Chawke and Lisa Wright at Greenlight Management. Also joining ICM from WME is ...


&#39;Fox <b>News</b> Sunday&#39; to Host Kentucky Senate Debate - NYTimes.com

Jack Conway, Kentucky's attorney general and the Democratic candidate for Senate, and Rand Paul, the Republican nominee, have agreed to a live debate on "Fox News Sunday" on Oct. 3.

Small Business <b>News</b>: An Owner&#39;s Manual

If only there were an owner's manual that came with your small business telling you what works, what doesn't and what are the best ways to move ahead in your.

ICM And WME And CAA <b>News</b>… – Deadline.com

ICM's talent department signed Emmy nominee and TV standout (Malcolm In The Middle) Jane Kaczmarek, who had been represented by WME. She's managed by Adena Chawke and Lisa Wright at Greenlight Management. Also joining ICM from WME is ...


big white booty

&#39;Fox <b>News</b> Sunday&#39; to Host Kentucky Senate Debate - NYTimes.com

Jack Conway, Kentucky's attorney general and the Democratic candidate for Senate, and Rand Paul, the Republican nominee, have agreed to a live debate on "Fox News Sunday" on Oct. 3.

Small Business <b>News</b>: An Owner&#39;s Manual

If only there were an owner's manual that came with your small business telling you what works, what doesn't and what are the best ways to move ahead in your.

ICM And WME And CAA <b>News</b>… – Deadline.com

ICM's talent department signed Emmy nominee and TV standout (Malcolm In The Middle) Jane Kaczmarek, who had been represented by WME. She's managed by Adena Chawke and Lisa Wright at Greenlight Management. Also joining ICM from WME is ...



12th Annual Charity Golf Tournament benefitting the Eureka Camp Society-Apex Secondary School-presented by SNC LAVALIN Pacific Liaicon and Associates Benefitting the Eureka Camp Society-Apex Secondary School photos by Ron Sombilon Gallery (373) by Ron Sombilon Gallery







12th Annual Charity Golf Tournament benefitting the Eureka Camp Society-Apex Secondary School-presented by SNC LAVALIN Pacific Liaicon and Associates Benefitting the Eureka Camp Society-Apex Secondary School photos by Ron Sombilon Gallery (373) by Ron Sombilon Gallery






























Saturday, September 18, 2010

managing your personal finances





Are you a fan of the GTD personal productivity system? Well if you like "Getting Things Done," here's GFD, Getting Finances Done, which shows you how to map David Allen's same principals to managing your personal finance and achieving your financial goals.



Applying GTD principles to your personal finances - Part 1 [Getting Finances Done]










Are you a fan of the GTD personal productivity system? Well if you like "Getting Things Done," here's GFD, Getting Finances Done, which shows you how to map David Allen's same principals to managing your personal finance and achieving your financial goals.



Applying GTD principles to your personal finances - Part 1 [Getting Finances Done]







eric seiger how to lose weight fast penis extender

Would You Pay for Online <b>News</b> Content? « Internet Nut

It cannot be denied that newspaper circulation and the rate of real media advertising is on the decline. As more and more people turn to modern technology and.

<b>News</b> - Lindsay Lohan: Failed Drug Test Report Is &quot;Nuts <b>...</b>

After it's reported that she flunked a drug test and could go back to jail, she tells Us, "I'm fine"

Hot Air » Great <b>news</b>: Incumbent sore loser to launch desperate bid <b>...</b>

Great news: Incumbent sore loser to launch desperate bid to keep power.



http://personal-finance-management.blogspot.com/ by zeny888




































Tuesday, September 14, 2010

managing your personal finance

With so many options, risks and complicated strategies, smart investments are not an easy thing to do. FutureAdvisor is a personal investment advisor that helps you with managing and optimizing your investment portfolio by providing in-depth analysis, forecasts and saving tips.

Once you synchronize your brokerage and retirement accounts to FutureAdvisor it tells you if you are on track to retire at your desired age and how your portfolio would fluctuate if market performance changes. You also get tips on how to diversify your portfolio, save money by investing in similar lower-fees mutual funds and build a portfolio customized to your exact needs. FutureAdvisor also lets you work out different scenarios for an early or late retirement.

Features:

  • Get personal investment advice.
  • Helps to optimize your investment portfolio.
  • Get tips on asset allocation, cost savings and good investments.
  • See an in-depth analysis and forecast based on your needs.
  • Completely secure synchronization to your investment accounts.
  • Get tips to retire early with smart investment strategies.

Visit FutureAdvisor at www.futureadvisor.com [Via class="vt-p">LifeHacker]




  • Average gas prices--September 13, 2010



  • You voted: letter grades edge ahead in fuel economy poll



  • For rent: 4.5 billion-year-old ball of fire



  • What Obama's transportation proposals mean for travelers



  • TomTom provides update for XL 350, XXL 550, and XL 335 GPS devices



  • Cash for appliances: Rebates aplenty in states big and small



  • Apple curtails its free case program for the iPhone 4



  • Daily Dispatch: Death of the RSS reader?; Toronto produces entertaining video to promote e-waste recycling



  • September could be Home Star’s month—or not



  • LG's 60PX950, the first THX 3D plasma, headed to the CR Test labs!





penis extender

New Children&#39;s Book Coming from President Obama - Political Punch

As part of the book deal then-Sen. Barack Obama, D-Ill., inked in 2004, Random House today announced the publication of a children's book by the president, “Of Thee I Sing: A Letter to My Daughters.” Political Punch Blog.

Pew: Online <b>News</b> Use Growing But Traditional Methods Hanging In <b>...</b>

Print newspapers and radio are still slipping as sources but U.S. adults are spending more time with news these days when the internet and traditional platforms are combined. The amount of time spent on traditional platforms hasn't ...

Good <b>News</b>: People Are Consuming More <b>News</b> «

The woes of the traditional media industry have fuelled concerns that traditional offline news sources are being replaced by online sources. But a new study by the Pew Center has found that online news consumption has actually increased ...



Greetings FROM OUR HOME TO YOURS by Magda'70


internet marketing course

New Children&#39;s Book Coming from President Obama - Political Punch

As part of the book deal then-Sen. Barack Obama, D-Ill., inked in 2004, Random House today announced the publication of a children's book by the president, “Of Thee I Sing: A Letter to My Daughters.” Political Punch Blog.

Pew: Online <b>News</b> Use Growing But Traditional Methods Hanging In <b>...</b>

Print newspapers and radio are still slipping as sources but U.S. adults are spending more time with news these days when the internet and traditional platforms are combined. The amount of time spent on traditional platforms hasn't ...

Good <b>News</b>: People Are Consuming More <b>News</b> «

The woes of the traditional media industry have fuelled concerns that traditional offline news sources are being replaced by online sources. But a new study by the Pew Center has found that online news consumption has actually increased ...


big white booty

Greetings FROM OUR HOME TO YOURS by Magda'70































Thursday, September 2, 2010

personal finance books


In this, Chapter 29, Devlin uses advanced technology to track down and confront the Iranian terrorist who’s directing the Bombay-style assault on Manhattan.


New York City


Arash Kohanloo had spent a great deal of time in New York, especially for an Iranian national.  Under some circumstances, his passport might have proven a bit of a bother, but the Tyler Administration had been determined to turn its back on the old ways.  The fact that he was attached, however tangentially, to his country’s U.N. mission facilitated matters greatly and, even if all else failed, he had multiple passports from multiple countries, including a Swiss passport that was tantamount to an international laissez-passer.  It was amazing what the combination of money and power and fear could win you.



The hotel, of course, was in lockdown.  The New York authorities were smart; they had gone to school on the Bombay massacre, and knew that the fancy hotels were natural targets for gunmen with grudges.  The elevators were all switched off, except for a couple of service elevators being guarded by private security.  You could order room service to eat, but you had to stay in the hotel, and preferably in your room, until the “incident” was over.


All of which was fine with Kohanloo.  In fact, that was just the way he wanted it.  Fewer people milling about suited him just fine, and as long as the cell phone service worked he could stay in touch with everyone with whom he needed to stay in touch, and then events would unfold as they unfolded.


At the first news of the attack he had informed his people back home.  He had also made certain that a specific sum of money had been wired to several bank accounts in Switzerland, the Cayman Islands, and one of the Channel Islands between Britain and France.  One could no longer rely on the discretion of the Swiss.  In the crackdown on international money transfers that followed in the wake of September 11, including the so-called Swift program that enabled the government to trace “terrorist” financing and thus disrupt the usual remittance channels and other mechanisms of Shari’a-compliant finance, the damned Americans had disrupted everything.  This had necessitated a change in the networks, which funneled money between the Muslim lands and their bankers in London and Brussels, and for a time the stream was partly damned.  But money is like water and soon enough it finds its way to its inevitable destination.


He didn’t have to come here, and it was not part of his arrangement with Skorzeny that he do so.  But the opportunity to strike a blow at the heart of a politically correct America, and to supervise the operation right under their noses and in the heart of their greatest city as an honored guest was too good to resist.  Skorzeny had warned him off taking personal charge, but Skorzeny was a bitter old man, not only weak but with too many weaknesses, and whatever game he was playing was known only to him.


Kohanloo looked at the array of cell phones on the table in front of him.  They were all local, off-the-shelf, no-contract communication devices — “plain vanilla,” as the Americans said.  To anyone tracking cell phone use — and even the Americans were not so stupid as to not be doing that — they would appear to be completely innocuous.  What a pleasure it was to use the enemy’s technology against him, to take the things his infidel culture had created and to turn even the simplest things into weapons.  Whether the Brothers had used box-cutters or knives on Sept. 11 was immaterial; the real weapons they wielded on that glorious day was the institutional cowardice of the Americans, especially the men, and turned that weakness into the powerful flying bombs that, Allah be praised, had taken down the Twin Towers and nearly the Pentagon itself.


For what sort of men were these, who would not fight back?  Who would not defend their women and children?  Who would go so willingly to their deaths, Christian lambs to the slaughter?  For all its sexuality, its braggadocio, its exaggerated cartoons of men and women, it was at root exhausted, played out, expired.  This was one thing that he and Skorzeny had agreed upon from the start: that what they were doing was not murder but a mercy killing, the merciful thing to do when a living organism was in its terminal stages.


The idea behind the operation was simplicity itself.  Either America would fight back or she wouldn’t.  The Holy Martyrs who had struck the Great Satan on Sept. 11 had succeeded beyond the Sheikh’s wildest dreams, but in a larger sense they had failed.  They had not precipitated the final war between the dar al-Islam and the dar al-Harb, nor had they set the Americans to each other’s throats in a civil war over their precious national freedoms.


But this was different.  This was a direct attack, man to man, on the streets of the Great Satan’s financial capital and its greatest city.  This was a challenge so direct that not even The New York Times could rationalize it away.  This was the event that would finally force the cowardly Americans to choose sides and then, once they had, it would be but the work of a lifetime or two to hunt the infidel dogs down — with the assistance of the collaborators, of course — and destroy them.  In the end, all would be well, and all would accept the Call.


But there was another, larger, and vastly more important reason behind the martyrdom operation.  The arrival of the Twelfth Imam, pbuh, could only be hastened by blood; he would not come, with Jesus at his side, until the Great Conflict was well and truly underway.  All was in readiness in the Holy City of Qom, where the path had been made straight and the centuries of the false Mahdi would soon come to an end.  What better way to encourage Mohammed ibn Hasan al-Mahdi al-Muntazar to finally reappear than to set the dar al-Harb aflame?



Arash Kohanloo glanced over at the television set, another typical product of western decadence.  Who had need of such a monstrosity, when a simple black and white set would do?  This was the problem with America: need had nothing to do with its desires, and the word “want” had transferred its meaning from the former to the latter.  He was from a far older culture, an infinitely greater culture whose art and poetry before the Conquest had been unsurpassed, and while some sacrifices had had to be made in order to accommodate Revelation, the memory of the Persian Empire was imprinted on every Iranian’s soul.  Even the name of the country — its new name, not the old one — signified its glorious antiquity and pride of place in the human community: Aryan.


He had lost a few of the warriors yesterday, but the rest had gone to ground as per instructions, while they waited.  This, too, was part of the plan.  Warriors were only martyrs who had not entered heaven yet, and his job was to supply the afterlife with fresh souls.


Still, losing warriors was one thing; having one of the enemy speak to you in Farsi was another.  He sounded like a Brother, from his accent, but his words had been puzzling and mysterious, beginning with his question in French about the number of the names of God and continuing on with various obscure theological questions about the suras and the life of the Prophet, concluding with a discussion of the Twelfth Imam.  And then he had lost contact with Brother Alex, whom he now must assume was dead.


But why would a Brother kill Alex?  It was possible that it had been a mercy killing, that Brother Alex had somehow been wounded and had been put out of his misery in order to enter paradise.  It was also possible that Brother Alex’s security had been compromised, and another of the Brothers had terminated him.  It was even remotely possible that Brother Alex had been taken out by one of the New York City Police Department operatives, although the chances that the man would be a native Persian, or speak Farsi like one, were nil.


There was a fourth, and more worrisome possibility, however: that Skorzeny had double-crossed him.


Kohanloo thought for a moment.  His eyes fell upon the mini-bar.  It was so tempting…  In the interests of taqiyya, it was permitted a devout Muslim to deceive the enemy  A beer, or perhaps two, would aid in the deception.


That Skorzeny would attempt to euchre him would not surprise him in the least.  The man’s reputation preceded him and if, in fact, that turned out to be the truth, it would be the last time he ever did that.  For while it was permissible for him, Arash Kohanloo, to deceived a westerner with false promises, such behavior in an infidel — worse, an atheist — would not acceptable, and would have to be punished with the utmost Koranic severity.


In fact, as he looked back on it, he realized that Skorzeny had been planning an elaborate deception all along, especially the bit about his not having to come to New York.  Clearly, that had been his intention all along: to force Kohanloo to accept the challenge to his manhood and specifically ignore the advice he was being given.  Skorzeny had wanted him to supervise the operation from ground zero, and not from the operational safety of, say, Canada, where the Brothers were numerous and the government almost as naive, trusting and unsuspecting as those of Scandinavia.  Islam had never laid historic claim to any of the lands of the North, not to mention the new world, but now, with so many Brothers acting religiously as an army of infiltration, taking advantage of the enemy’s trusting nature, his generous social-welfare programs (which were really just an inverted form of racism, since the Brothers were discouraged from gainful employment), there would soon be enough Believers to assert Islam’s historically necessary pride of place and conquer all the lands of the West, once and for all time.


He looked at the cell phone that linked him directly to Brother Alex.  Should he pick it up and dial again?  For one of the few times in his life, Arash Kohanloo hesitated.  This was a new experience for him.  having survived multiple changes of regime in Iran, from Mossadegh to the Shah to the Ayatollahs to whatever undoubtedly was coming next, he was used to acting boldly and decisively. In the Middle East, nothing was ever to be gained by caution, except the perpetuation of the same way of life that had obtained for hundreds of years.  For all his piety, Kohanloo was a man of the future, not of the past: he looked forward to the inevitable victory of the dar al-Islam and was doing his best to hasten it.


He picked up the phone, a basic Nokia.  then another thought occurred to him:


What if it was the NCRI?  The National Council of Resistance of Iran?



That put a whole different spin on things.  The NCRI, up to this moment, had been a joke.  But the open rebellion against the fixed Iranian elections of 2010 had only served to encourage the diaspora Iranians, at least half of whom, it seemed, lived in Beverly Hills or elsewhere in the Greater Los Angeles area.  In the old days, poor countries used to export their most miserable people to the United States, so that the those left behind might have a fighting chance at survival.  Iran had gone history one better: it had exported its best and its brightest and its richest, its doctors and its bankers and its lawyers.  The Revolution had driven away precisely those people a functioning modern country needed, and sent them screaming into the arms of the Great Satan himself, to luxuriate in the southern California climate and plot revenge; they were like the post-Castro Cubans, but with more money.


Up to this point, truth to tell, neither he nor any of the mullahs with whom he did such a profitable, if irreligious business, had given much of a thought to the NCRI.  To put the organization in historical context, it was like one of those movements of national liberations that popped up everywhere in the 19th and 20th centuries, groups of raggedy-assed anarchists who threw bombs and occasionally got lucky in their choice of targets, but aside from Princip had very little effect upon the course of human history.


Of course, Gavrilo Princip had had a very great effect upon the course of human history.  Incredibly lucky — imagine the Archduke Franz Ferdinand returning by the very same route on which he had dodged Princip’s first attempt on his life earlier that same day — but also incredibly determined, Princip had rearranged the map of Europe and, all unwittingly, doomed the West, although it had taken just about a century on the nose for that fact to become so abundantly clear.  The cream of the crop of the infidel had died in the trenches and at the Somme and at Verdun, and those who were not killed were removed from the gene pool three decades later when the same war broke out all over again.  As an example of national and cultural suicide, it was unequalled; no wonder their enfeebled descendents wanted nothing so passionately as to terminate themselves, their offspring, and their civilization.


Well, he was here to help that with that.  If the west had become a giant suicide cult, Islam was just the death cult it was longing to meet.  At last, a battle that had been waged since the seventh century was about to enter its final stages.


He still held the cell phone in his hand.  In every operation, once the shooting started, there was something that would go wrong, and almost immediately.  War plans were blueprints for buildings that would never get built; what emerged instead was some bastard combination of thought, luck and happenstance, and you lived with the result until you were strong enough to overturn it, or weak enough to be unable to defend it.


He pushed the redial button.


The phone rang.  Once, twice…


The security signal was four rings.  Anything after four rings mean the connection was compromised, and that the Brother was considered compromised, whether he was in fact dead or not.  A wounded Brother was of no use to him.  At four rings, the order would automatically go out to the others, identifying the fallen Brother’s last known location, with the orders that he or she should be terminated immediately.  Mercy was an unknown commodity, for only Allah could dispense mercy.


Three times…


Nothing.


Arash Kohanloo’s finger hovered over the Stop button.  As soon as the fourth ring ended, he would end the call and send the signal.


Four –


“Hello?”


A voice, in American English.  What he expected, but not at all what he expected.


“Who is this?” he found himself saying.


There was a long pause at the other end of the line — of course, there was no line, only the infidel’s technology, which Kohanloo and his countrymen, although unable to duplicate, were only too happy to employ against the enemy — and what sounded like a clicking noise.


“Go ahead please,” came a female voice.


Now it was a male voice that spoke:  “Target located.  Sherry-Netherland Hotel.”


“Stand by,” said the infidel woman.


Then silence.


Arash Kohanloo tried to control his breathing.  His heart rate was up, that he knew.  The doctors had told him to keep it down, keep it calm, keep it within the target range lest he find himself in trouble.  Damn that Skorzeny and his wily ways.  Here he was, in a situation he should never have been in, and his heart rate was rising along with his blood pressure.  He tried to stay calm and listen for whatever came next.  There was nothing to worry about.


The fools!  They had no idea he was not in the Sherry-Netherland.


“Shall I send a UAV?”


A few more crackles, then –


“Put the bird in the air and stand by.”


“The bird is in the air.”


Kohanloo couldn’t believe his ears.  Surely they would not deploy a UAV — Unmanned Aerial Vehicle, more commonly known as a drone — to blast away an entire floor of an expensive hotel in midtown Manhattan.  The Americans didn’t do things like that.  They were always more concerned about collateral damage than they were about the success of a mission; why, a single snail darter could not only bring down a dam in Alaska, it could probably stop a convoy of Abrams tanks as well.


“Stand by to fire on my orders.”


It was a bluff.  It had to be.  His eyes stole toward the window of his luxury suite; the curtains were drawn.  With the cell phone still pressed up hard against his ear, he moved slowly and quietly toward the window.


Now another voice came on the line.  He couldn’t swear to it — and a good Muslim never took an oath except in a religious context — but it sounded awfully like that of the man he had spoke to earlier.  In fluent Farsi, he said: “Go to the window.”


He hesitated a moment.


“Go to the window now.”


He went to the window.


“Now, open the curtains.”


How did they know he even had a window where he was?  Or that there were curtains?  Hotel.  They must have guessed hotel.


‘Open them.”  He didn’t like the man’s tone of voice, his peremptory way.  An unbeliever should never talk to one of the Faithful like that.  “Go ahead…”


He took a deep breath and opened the curtains, trying not to flinch –


“What do you see?”





—–


The panorama of New York City.  No hint of the sun yet, but on this summer morning, it would be up soon.  Just the gleam of the lights and, to the southwest, smoke reflected in the wasteful glare.


He slowly exhaled.  “I see exactly what I expect to see, and nothing more.”


“Do you see me?”


He was feeling a little braver now, more like his old self.  Of course not.  ”Now who are you?  What do you want?”


“Do you see me now?”


Was that the sun?  The sky had brightened a bit, or perhaps his eyes were simply getting used to the darkness.  He switched off the nearest floor lamp in order to see better.


“Do you know who I am?”


Still nothing.  It was all a bluff.  Somehow they had managed to trace the Brother’s cell signal.  A cheap trick, and one that any Palestinian kid with a Bulgarian computer could manage.  Nothing to –


“Smile, asshole.”  That was in English.


A blinding flash.  For a moment, Arash Kohanloo was sure he was dead, and that he would soon be entering paradise.  He cursed himself for a fool, that he had not had time to perform his ritual ablutions in preparation for martyrdom, and then remember he was not expecting to be martyred this time out.


He was still alive.  He could see.


The drone was right outside his window.  It had him on video, and was transmitting his picture somewhere.  Operational security was blown.  It was time to regroup.  He started to turn away –


“Stop.  Don’t move or you’re a dead man.”


Kohanloo froze.


“Look on the wall across from you.”


Kohanloo looked.


A video image danced across the plaster and the reproduction of a Monet cathedral.  It was the outline of a man, his facial features indistinct.  “Look upon me,” said the voice at the other end of the cell phone.  Funny; he had forgotten he was still holding it.


“Do you know who I am now?”


“No.  I do not.”


“I am Azra’il.  Malak al-Maut.  He Whom God Helps.”


The name sent shivers down Kohanloo’s spine.  Azra’il, the Arabic version of the Biblical Azrael was not to be found in the Holy Koran, but Malak al-Maut was.  Another of his names.  It meant the Angel of Death.



“And you,” the voice in his ear said, “are a fool.  You have been used, Arash Kohanloo — used by your own country and your own government, but worse — you have been used by Satan himself.”


Seething and scared, he knew that what Malak al-Maut was saying was correct.  He had never trusted Skorzeny, considered him little better than an infidel pig, no matter what religion he did or did not profess.  He must escape, flee this place, use his safe exit out of here, get back to Iran and kill the man who had done this to him.


Or the men.  He would not be surprised to learn that one of his enemies among the clerics had done this to them, suggested the operation just so that it would fail, in order to eliminate him, Arash Kohanloo, from any further position of influence within the regime.


“Perhaps you speak the truth,” he said in Farsi.


“You know I do,” came the voice.  “And now you are mine.”



An Introduction to Insurance

Insurance is a way to manage risk. As you go through your life, there’s always a chance that you’ll be in a car accident, twist your knee, or that your home will burn down. The risk of these accidents is small, but if one of them were to happen, the effects could be catastrophic. Without insurance, you’d have to come up with the money on your own to repair your car, have knee surgery, or rebuild your home.


Although these things happen to some people, they don’t happen to everyone. With enough data, it’s possible to know roughly how many people are likely to experience these setbacks — and how much it will cost to recover from them. Using this info, an insurance company can spread the risk among all its customers.


An Elementary Example

Imagine Eastside Elementary, a school with 100 students. Every year for the past 25 years, one Eastside Elementary student has broken an arm in the schoolyard, resulting in about $5,000 in medical expenses. Without insurance, every family would have to save $5,000 to cope with the odds that their little tyke would be the one with the broken arm. At the end of the year, 99 families would have paid nothing (and have $5,000 left in savings), but one family would have paid $5,000 (and have nothing left).


With insurance, the Eastside Elementary families can join together to spread out the risk. If they created an insurance fund, all 100 families would pay $50 at the start of the school year. This $5,000 total would then go to the family of the child with the broken arm.


By spreading the risk, each family only has to save $50 instead of $5,000. Sure, that $5,000 is gone if it’s not your child who breaks her arm, but for most people, that’s an acceptable trade. Instead of having to scrape together the full $5,000, they’d rather risk losing $50 for a chance to avoid $5,000 in medical bills.


But is it really fair to have every family pay $50 into the insurance fund? Some kids go to the library at lunch to read Harry Potter and Mysterious Benedict Society books; others climb around on the jungle gym and throw stones at each other. The bookworms are much less likely to break an arm, aren’t they? And maybe the 25 years of data show that girls break their arms less often than boys. With enough info, the Eastside Elementary Insurance Fund could charge each family a different rate depending on how likely their child is to break an arm.




http://how to lose weight fast .com/

Stabroek <b>News</b> - Retirement plans caught up in Clico (Guyana) upheaval

Perhaps Stabroek News can shed some light on this issue for me. Was CLICO owned and controlled by the Government of Guyana? Was CLICO insured by the government of Guyana? Did the government of Guyana cause CLICO to fail? ...

TV <b>News</b>, Talk Shows Using Skype

NEW YORK — When he wanted to interview a source in Connecticut for a recent "World News" story on technology, ABC reporter Pierre Thomas didn't even leave the office. ABC's cameras showed him sitting in front of a computer screen, ...

Democrats Accuse Fox <b>News</b> Of Illegal Support To Ohio Republican <b>...</b>

Democrats allege in a legal filing that, by plugging an Ohio gubernatorial candidate's website in a chyron, Fox News illegally contributed to the Republican's campaign.



The Secret by kateraidt



























Wednesday, September 1, 2010

personal finance programs


And almost universally, there are problems. While not every state is legally bound to meet budget shortfalls—and avoid carrying deficits year-over-year—virtually every state legislature is contemplating cuts, from arts to social-welfare programs. Most are falling short.


As in personal finance, debt is the pitfall that can come back to haunt states trying to meet their financial obligations. With that in mind, The Daily Beast ranked each state in order of its debt-to-GDP ratio—the higher the ratio, the more likely a state will remain mired in debt.


The debt numbers here are from the U.S. Census and usgovernmentspending.com, which extrapolates Census data based on past state debt increases or decreases to estimate current debt levels. Future deficit levels are based on an independent analysis from the Center on Budget and Policy Priorities, which uses estimates of next year’s baseline budget spending compared to expected revenue. State GDP numbers are not yet available for 2009 from the Bureau of Economic Analysis, but were adjusted from 2008 levels by the same minuscule percentage decrease in the estimated GDP for the entire country from 2008 to 2009.


Once tabulated, it’s clear that debt is far from a Washington problem, and it belongs to both parties, with “red” and “blue” states, in terms of presidential choice and current governor and legislature, counted among the worst offenders. Where does your state rank? Click here.


How does your state fare in our ranking of the indebtedness of all 50 states? Click here for our rankings, from worst to first.





Amidst the nation's worst economic recession since the Great Depression, and continuing problems in California with health care, education funding, home foreclosures, and lack of jobs, how do you explain the disgraceful spending by candidate Meg Whitman in her campaign to buy the governor's office.



According to campaign finance reports filed yesterday, Whitman has spent $99.7 million the past two years, a figure that the Associated Press notes climbs to $100.3 million when including donated services.



Those numbers, which shatter campaign spending records in California and presumably exceed the amount any candidate running for any office in the U.S. other than President has spent, signal a campaign that is out of control and that shows little regard for the real life of most Californians.



With more than 2.2 million Californians are out of work (Employment Development Department, July 16, 2010), at least 6.4 million are uninsured (U.S. Census Bureau as of 2007), and California ranks 41st in the U.S. in per capita spending per pupil (National Education Association rankings), such massive resources could surely be put to better use.



Those are just three of the many signs of crisis in California that show the appalling contrast with the outrageous spending spree by one billionaire candidate who seems to be driven by personal ambition and little else.



If Whitman, whose main qualification for office appears to be her unlimited wealth, really wants to help the state, there are many other ways she could use those resources to add real social value to our state, and help Californians who are hurting, who are sick, or to bolster our education system.



At the California Nurses Association/National Nurses United, we have calculated, with the help of our research arm, the Institute for Health and Socio-Economic Policy, other, more fruitful ways that $100 million could have been spent.



• Pay monthly unemployment benefits for 82,237 unemployed Californians. (Average unemployment benefit in California is $1,216) Source: Orange County Register, July 19, 2010



• Pay the unemployment benefits for two months for the 40,000 workers she would lay off. (The U.S. Department of Labor calculates that by its broadest measure, the U-6 rate which is defined as total unemployed, plus all persons marginally attached to the labor force, plus total employed part time for economic reasons, as a percent of the civilian labor force plus all persons marginally attached to the labor force, California has the highest unemployment rate in the nation, 21.9%.)



• Pay yearly health insurance premiums for 7,477 families. (Average yearly health insurance for family coverage $13,375) Source: Employer Health Benefits, Annual Survey 2009, Kaiser Family Foundation



• Fund 18,018 students at the Pell Grant maximum. (Pell Grant maximum for school year 2010-2011 is $5,550.) Source: United States Department of Education



• Pay for 11,447 pupils in California K-12. (Average expenditure per pupil in 2008-2009 school year was $8,736) Source: California Department of Education



• Pay the "fees" for 10,770 students to attend one of the University of California campuses for academic year 2009-2010. (Fees to attend UC are $9,285.) Source: University of California, Fees and Financial Aid



• By our calculations, help as many as 5,714 households avoid foreclosure The California Housing Finance Agency, the state's affordable housing bank, estimates it will help 40,000 or more households avoid foreclosure with principal write downs and other plans unveiled Wednesday. In all, the agency received $700 million for the relief programs. Source: James Wasserman, "California to help pay down homeowners' mortgage debt."



[Four out of the Top ten cities for housing foreclosures are in the Central Valley. Source: Realty Trac].

o Modesto is ranked second in the nation with 5,138 homes or 2.93 percent of all housing units in foreclosure in the first quarter

o Stockton is ranked fifth, with 6,327 homes in foreclosure, or 2.77 percent of the city's homes.

o Merced is sixth. It had 2,307 homes in foreclosure in Q1 or 2.76 of all homes.

o And Bakersfield is ninth in the nation, with 6,343 homes in foreclosure or 2.33 percent of all housing units]



• Hire as many as 1,755 new grad RNs in California for a year. Source: United States Department of Labor, Bureau of Labor Statistics, May 2008 Occupational Employment and Wage Estimates








adfjcub

Rupert Murdoch and <b>News</b> Corp. to Be Swing Vote for 99-Cent iTunes <b>...</b>

The Los Angeles Times reports that Apple is still working to convince media companies to adopt its plan for 99-cent TV show rentals through its iTunes Store. According to those close to the negotiati.

Glenn Beck Launches The Blaze, <b>News</b> And Opinion Website

Glenn Beck is adding budding web mogul to his list of media titles. The radio and TV show host launched Monday a news and opinion website called The Blaze that he says will be "a place where you can find breaking news, ...

<b>News</b> Corp reportedly holding back iTunes rentals

News Corp is reportedly the latest holdout, but we've heard for a while now that Apple is running around trying to quickly hammer out deals for 99-cent TV rentals in iTunes (a system that will supposedly compete with the ever popular ...






























Wednesday, August 25, 2010

personal finance budgeting




BillFloat Pays Your Bills When You Can't





If money's tight and you need a little extra time to cover a bill, service Billfloat can take care of it for you and you can pay them back later.

After entering the company you need to pay, you give BillFloat the amount of the bill and your account number. It'll let you know how many days it'll float the bill (a minimum of 30) and how much you'll owe BillFloat—which is generally $5, but decreases with the number of bills you pay. BillPay will collect a little more information about you, like how you're going to pay them back, and then you'll be all set. Just make sure you'll have the money in a month, since BillFloat won't float its own bills.


Life on the fast track can be taxing. With the ever-growing list of responsibilities, we have more and more bills to pay and an even longer set of reminders and tasks there is to keep track of. Life on the fast track can be taxing.

In order to help reduce the burden of remembering the things you need to do and actually focus on the task at hand; we have 2 great iPhone apps to recommend. Both of these apps have been featured on MakeUseOf before: NotifyMe and Bills.

This week, we will be giving away 5 promo codes for each application. Find out how you can get one, after the jump.

id="more-49733">/> But first let’s take a look at the apps individually.

NotifyMe 2

NotifyMe 2 is the updated version of NotifyMe and only supports iOS4. At the very core, it is still a reminder application. You create tasks/reminders which are synced over the air to NotifyMe’s servers. When your tasks are due, you receive a push notification sent to your iPhone.

style="text-align: center;">

All tasks/reminders can also be accessed online via the cloud server, notifymecloud.com and can be used to track your list of reminders easily.

style="text-align: center;">

In this updated version, you can also create local reminders which are stored on your device. This is a huge help you are only looking to create short-term reminders without internet access.

style="text-align: center;">

NotifyMe 2 also supports task sharing — any reminder can be shared with any authorised NotifyMe 2 user and will appear on their upcoming screen.

style="text-align: center;">

For a more in-depth review of the previous version (which will also provide you with a rough concept of how the app works), please read Never Forget Anything Again With NotifyMe for iPhone

Bills

Bills (also known as Bills ~ on your table) is a simple payment tracking application. This app helps you track pending bills and their corresponding due dates efficiently and elegantly as well.

style="text-align: center;">

Bills can be set to automatically repeat daily, weekly, monthly or annually. When a payment is due, you’ll receive a push notification with a gentle reminder (or pre-reminder, which you can set to occur days prior).

style="text-align: center;">

For a more in-depth review, check out Never Forget To Pay Another Bill Again With Bills ~ On Your Table

How do I win a copy?

It’s simple, just follow the instructions.


buy a penis extender

Jon Stewart Takes Fox <b>News</b> to Task for Not Disclosing Muslim <b>...</b>

Fox News' money trail on who is funding the controversial Ground Zero Mosque leaves out one of its own.

<b>News</b> Corp. Executives Actually Recently Met With Saudi Billionaire <b>...</b>

By now, you may have heard about how on last night's edition of The Daily Show, Jon Stewart made fantastic comedic hay out of a Fox And Friends segment, in which the gathered panel indulged in some outsized fearmongery over Cordoba ...

Wednesday&#39;s <b>news</b>: A night on the town with the Preds - do it for <b>...</b>

we've got a great way for Preds fans to save some money while helping local schools, reports from the World Hockey Summit, and what is surely the worst selection in Puck Daddy's "Mt. Puckmore" series so far.
































Friday, August 6, 2010

personal finances help

If you're buying a place for income, you need to understand the numbers in a deal. If you don't understand income and how income affects investment property value, then you shouldn't be investing in real estate. Savvy investors hire a team of professionals (realtor, lawyer, accountant, 1031 company, mortgage lender, inspector, and so on) to assist them in creating a proper valuation for a property. If you want to invest, you should build your team and get them to interact with each other. That's how they'll help you make smarter decisions.


For example, if you're buying a warehouse or a retail strip center, you probably aren't an expert in commercial building construction. You won't know if an interior wall is failing or if it's likely the roof will leak. You're far better off hiring a commercial property inspector to walk you through the property and help you figure out what it will take to keep it maintained and in good working order. If you buy the property and later decided to sell it and buy a different investment property, you'll need a top accountant and 1031 exchange specialist to help you complete the transaction and meet Internal Revenue Service rules.


It's really hard to do it on your own and be profitable. It's one of the biggest mistakes early investors make. At the very least, find an experienced agent who represents other investors to help you identify property and get yourself a great real estate attorney who can help draw up documents that will protect you and your other assets.


The trend in residential real estate is to build smaller, more energy-efficient houses that are cheaper to own and maintain. All of the McMansions built in the 1980s and 1990s could become white elephants that see their value erode, even as the larger market recovers.


Do you have any advice for those looking to remodel? What types of upgrades are prudent?
The remodeling industry was hit extremely hard last year, and while more people are planning to fix up their homes this year, the problem is one of financing. You either have to save up enough money to fix your house or you have to charge it on your credit card. You can no longer take out a home equity loan, use the proceeds to fix up your house, and then refinance the balance into a new mortgage. Home equity lines of credit are hard to come by these days because the federal government wants lenders to keep a percentage of every HELOC on their own books. As a result, they're few and far between.


This isn't the time to make big, flashy improvements to your home. The economy is still extremely fragile, and we may be heading for a double-dip recession. If you can live with your grungy carpet for another year, you should do it.


When it comes to fixing up your house, you want to spend as carefully as possible. Figure out what amenities are standard in your neighborhood, and then build to that level--not a penny more. If you have to sell for some reason, you don't want to take a bath financially.


What's your advice to people who are thinking it may be time to consider buying a second/vacation home? Key pointers?
I do think that now is a great time to buy. I've just blogged on the three reasons why people buy vacation homes: as a place to create family memories, as an eventual place to retire and rent out until retirement hits, and for pure investment reasons. Decide which kind of vacation home buyer you are and then reverse-engineer the process to figure out what kind of vacation home you should be buying. If you can't afford the cash down payment or have a lot of excess cash to keep the place running and in great shape, don't buy a vacation home. It's easy to think you're getting a great deal because of the purchase price, only to find yourself snowed under by management costs, cleaning expenses, and resort fees. If you're going to rent your vacation home, here are nine things you should know.


How about sellers--any advice for them? Is it a good time to trade up to a larger or better home if you can swing it?
Can you sell your home right now? Can you get enough cash out of your primary residence to be able to trade up to a larger home? What most buyers forget is that a larger home means larger utility bills, maintenance costs, and upgrading costs, as well as higher taxes and insurance premiums. There's more to maintain, cool, and decorate. Can you afford all that?


Right now, those homeowners who can sell their property, whatever size and wherever they live, control the market. The problem is that many of those sellers are so freaked out that they don't really want to buy anything right now. So, they're thinking about renting or are moving in with family or friends. We're seeing the housing market continue to shrink at the moment, but it won't always be that way.


Property values might not rebound until 2020--or later, depending on where you live. You can't make a decision about selling based on when you think the housing market will rebound. That's like saying, "Should I sell my stock today or wait for the company to rebound?" We don't know when that will happen, if ever.


If you want to sell, and have a compelling reason to move, you should figure out an exit strategy. If homes are selling in your area, then you should try to sell your house. If homes aren't selling, and you're 40% underwater with your mortgage, you'll have to either do a short sale, a deed-in-lieu of foreclosure, or a strategic default.





In 2006, recent Harvard grad Alexa von Tobel was headed for a job at Morgan Stanley. But though she would soon be managing the bank’s investments, she realized she didn’t know the first thing about her own finances. Most financial guides seemed to be written for middle-aged readers with millions in assets, rather than recent college grads. "I was reading every book I could find, but none of them spoke to me," she says. So she came up with the idea for LearnVest, an online personal-finance resource for young women like her, and ended up writing an 80-page business plan.


After two years at Morgan Stanley, von Tobel entered Harvard Business School in 2008. But upon winning a business plan competition held by Astia, a non-profit that supports women entrepreneurs, she took a five-year leave of absence and invested $75,000 of her Wall Street earnings to start LearnVest in November. She quickly enlisted advisors, including Betsy Morgan, the former CEO of the Huffington Post, and Catherine Levene, the former COO of DailyCandy, to help develop the site’s content and technology. In January 2009, she secured $1.1 million in seed funding from executives at Goldman Sachs.


LearnVest’s site launched a year later and has since signed up more than 100,000 members. It offers online budgeting calculators, video chats with certified financial planners on the company’s staff, and free e-mail tutorials on topics such as opening an IRA. The company earns revenue from advertising and by referring its users to companies such as TD Ameritrade. In April, after just four weeks of fundraising, von Tobel closed a $4.5 million investment round led by Accel Partners, which has also invested in Facebook and Etsy. (Incidentally, Facebook CEO Mark Zuckerberg lived in the same dorm as von Tobel at Harvard.)


Von Tobel likens LearnVest to an online version of The Suze Orman Show, but with the goal of reinforcing positive finance habits early on. “Suze Orman helps 45-year-old women get out of debt,” she says. “Why not reach 20-year-olds to keep them from getting into debt?”





penis extender

Single Parenting that Works by kateraidt


If you're buying a place for income, you need to understand the numbers in a deal. If you don't understand income and how income affects investment property value, then you shouldn't be investing in real estate. Savvy investors hire a team of professionals (realtor, lawyer, accountant, 1031 company, mortgage lender, inspector, and so on) to assist them in creating a proper valuation for a property. If you want to invest, you should build your team and get them to interact with each other. That's how they'll help you make smarter decisions.


For example, if you're buying a warehouse or a retail strip center, you probably aren't an expert in commercial building construction. You won't know if an interior wall is failing or if it's likely the roof will leak. You're far better off hiring a commercial property inspector to walk you through the property and help you figure out what it will take to keep it maintained and in good working order. If you buy the property and later decided to sell it and buy a different investment property, you'll need a top accountant and 1031 exchange specialist to help you complete the transaction and meet Internal Revenue Service rules.


It's really hard to do it on your own and be profitable. It's one of the biggest mistakes early investors make. At the very least, find an experienced agent who represents other investors to help you identify property and get yourself a great real estate attorney who can help draw up documents that will protect you and your other assets.


The trend in residential real estate is to build smaller, more energy-efficient houses that are cheaper to own and maintain. All of the McMansions built in the 1980s and 1990s could become white elephants that see their value erode, even as the larger market recovers.


Do you have any advice for those looking to remodel? What types of upgrades are prudent?
The remodeling industry was hit extremely hard last year, and while more people are planning to fix up their homes this year, the problem is one of financing. You either have to save up enough money to fix your house or you have to charge it on your credit card. You can no longer take out a home equity loan, use the proceeds to fix up your house, and then refinance the balance into a new mortgage. Home equity lines of credit are hard to come by these days because the federal government wants lenders to keep a percentage of every HELOC on their own books. As a result, they're few and far between.


This isn't the time to make big, flashy improvements to your home. The economy is still extremely fragile, and we may be heading for a double-dip recession. If you can live with your grungy carpet for another year, you should do it.


When it comes to fixing up your house, you want to spend as carefully as possible. Figure out what amenities are standard in your neighborhood, and then build to that level--not a penny more. If you have to sell for some reason, you don't want to take a bath financially.


What's your advice to people who are thinking it may be time to consider buying a second/vacation home? Key pointers?
I do think that now is a great time to buy. I've just blogged on the three reasons why people buy vacation homes: as a place to create family memories, as an eventual place to retire and rent out until retirement hits, and for pure investment reasons. Decide which kind of vacation home buyer you are and then reverse-engineer the process to figure out what kind of vacation home you should be buying. If you can't afford the cash down payment or have a lot of excess cash to keep the place running and in great shape, don't buy a vacation home. It's easy to think you're getting a great deal because of the purchase price, only to find yourself snowed under by management costs, cleaning expenses, and resort fees. If you're going to rent your vacation home, here are nine things you should know.


How about sellers--any advice for them? Is it a good time to trade up to a larger or better home if you can swing it?
Can you sell your home right now? Can you get enough cash out of your primary residence to be able to trade up to a larger home? What most buyers forget is that a larger home means larger utility bills, maintenance costs, and upgrading costs, as well as higher taxes and insurance premiums. There's more to maintain, cool, and decorate. Can you afford all that?


Right now, those homeowners who can sell their property, whatever size and wherever they live, control the market. The problem is that many of those sellers are so freaked out that they don't really want to buy anything right now. So, they're thinking about renting or are moving in with family or friends. We're seeing the housing market continue to shrink at the moment, but it won't always be that way.


Property values might not rebound until 2020--or later, depending on where you live. You can't make a decision about selling based on when you think the housing market will rebound. That's like saying, "Should I sell my stock today or wait for the company to rebound?" We don't know when that will happen, if ever.


If you want to sell, and have a compelling reason to move, you should figure out an exit strategy. If homes are selling in your area, then you should try to sell your house. If homes aren't selling, and you're 40% underwater with your mortgage, you'll have to either do a short sale, a deed-in-lieu of foreclosure, or a strategic default.





In 2006, recent Harvard grad Alexa von Tobel was headed for a job at Morgan Stanley. But though she would soon be managing the bank’s investments, she realized she didn’t know the first thing about her own finances. Most financial guides seemed to be written for middle-aged readers with millions in assets, rather than recent college grads. "I was reading every book I could find, but none of them spoke to me," she says. So she came up with the idea for LearnVest, an online personal-finance resource for young women like her, and ended up writing an 80-page business plan.


After two years at Morgan Stanley, von Tobel entered Harvard Business School in 2008. But upon winning a business plan competition held by Astia, a non-profit that supports women entrepreneurs, she took a five-year leave of absence and invested $75,000 of her Wall Street earnings to start LearnVest in November. She quickly enlisted advisors, including Betsy Morgan, the former CEO of the Huffington Post, and Catherine Levene, the former COO of DailyCandy, to help develop the site’s content and technology. In January 2009, she secured $1.1 million in seed funding from executives at Goldman Sachs.


LearnVest’s site launched a year later and has since signed up more than 100,000 members. It offers online budgeting calculators, video chats with certified financial planners on the company’s staff, and free e-mail tutorials on topics such as opening an IRA. The company earns revenue from advertising and by referring its users to companies such as TD Ameritrade. In April, after just four weeks of fundraising, von Tobel closed a $4.5 million investment round led by Accel Partners, which has also invested in Facebook and Etsy. (Incidentally, Facebook CEO Mark Zuckerberg lived in the same dorm as von Tobel at Harvard.)


Von Tobel likens LearnVest to an online version of The Suze Orman Show, but with the goal of reinforcing positive finance habits early on. “Suze Orman helps 45-year-old women get out of debt,” she says. “Why not reach 20-year-olds to keep them from getting into debt?”





online stock trading online stock trading how to lose weight fast

Small Business <b>News</b>: The Online Entrepreneur | Small Business <b>News</b> <b>...</b>

Planning a new small business? You may want to consider doing it online. In this small business news roundup, we look at a variety of tools and tips for.

F. B. Purity Hides Annoying Facebook Applications and <b>News</b> Feed <b>...</b>

Most Browsers (Greasemonkey): If your Facebook News Feed is still clogged with annoying applications and unimportant updates, simple user script FB Purity can seriously narrow it down to just the important stuff.

RoboForm Version <b>News</b>

Version News. News and details from current and past versions of RoboForm. Version 6.10.0 * Add import of logins and bookmarks from LastPass and KeePass. * Add welcome help balloon on new install. * RoboForm2Go installer can be started ...



Single Parenting that Works by kateraidt


big white booty



























Thursday, August 5, 2010

managing your personal finance



deals, Software, VC


Jive Software Nabs $30M in Round From Kleiner Perkins, Sequoia Capital




Thea Chard 7/21/10

Jive Software, the Palo Alto, CA-based software company started in Portland, OR, has received $30 million in Series C financing led by Kleiner Perkins Caufield & Byers.


This latest shot of cash, part of which comes from Sequoia Capital, means the company has raised more than $57 million in the last three years. Sequoia had been Jive’s sole investor up until this point, providing $12 million back in October, and $15 million in 2007.


“This is the biggest joint investment that Kleiner and Sequoia have done since they partnered up with Google,” says Bryan LeBlanc, Jive’s chief financial officer.


The investors are betting big that Jive has figured out how to harness some key elements of social media for business. Jive provides social-networking, communication, collaboration, and social media monitoring tools to more than 5,000 businesses, a group that ranges from small and mid-size companies to huge global brands. Jive’s customer roster includes Nike, Starbucks, SAP, Cisco Systems, Charles Schwab, and Intel. The company also provides social networking and collaboration software for a number of U.S. government agencies, as well as congressional members and their staffs.


“We’re the largest and fastest-growing company in this new category,” says Christopher Lochhead, Jive’s chief strategy advisor. “It’s about a $5 billion dollar market growing at about 40 percent, and we’re the clear leaders.”


The company’s biggest competitors include Microsoft and IBM. But according to Lochhead, Jive has an advantage—the support of some significant VC dollars, which he says will give Jive the ability to expand its product offerings and hire the best talent Silicon Valley has to offer in “multiple gene pools.”


As part of the deal, Kleiner Perkins managing partner Ted Schlein will be joining the Jive board of directors. The $30 million capital will be used to “accelerate Jive’s rapid growth and further drive the company’s leadership in the social business market,” according to a company statement.


What does that mean for potential clients? That the company will be expanding on its current social business software—the “doppler weather radar” of what’s going on in specific markets as Lochhead puts it. It will also allow Jive to focus on developing four strategic pillars moving forward. First is what Lochhead calls  ”Jive What Matters,” a one-stop command center that encompasses “everything that you need to get your job done,” in terms of monitoring deadlines, status updates, sales numbers, all in one place. Then there’s Jive mobile apps; social widgets, such as YouTube and SalesForce, integrated into the software; and seeking out more strategic partnerships with companies like Google and Twitter.


“What social business software entails is a new way to engage with your employees, customers and the web,” Lochhead says. “Why is it so fun, effective and easy to do all of this stuff in my personal life, and yet work sucks? All of those innovations in the consumer social web, Jive is bringing to the enterprise.” He adds: “It’s a new way to do business that allows people to work together, interact, in a way that just wasn’t possible before.”


LeBlanc, the finance chief, added: “$30 million allows us to have the currency to execute that strategy.”


Though Jive, founded in Portland, OR in 2001, relocated its headquarters to Palo Alto, CA last May, it continues to maintain a growing presence in the Pacific Northwest. The company laid off one-third of its employees—around 40 people, including the vice president of engineering and vice president of sales—after the economic down turn in 2008. But Lochhead says it’s maintained profitability and is growing again, with 270 employees spread throughout the offices in Palo Alto, Portland, OR, and Boulder, CO, as well as two outposts in Europe. In January, the company posted record profits—an 85 percent increase in full-year revenue in 2009 when compared to the previous year.


And although LeBlanc could not give us exact figures on how Jive is doing this year, he did say that the financial support from Kleiner Perkins and Sequoia is a strong indication of the company’s potential.


“We do intend to build a large, relevant software company, and often when you look at large, relevant software companies, they’re $1 billion companies,” LeBlanc said. “Having that capital now—I think it’s a testament that Sequoia has been very bullish about this space…it’s unusual and we feel, frankly, very honored to have two of the titans of Sand Hill Road both behind us.”



Thea Chard is the Assistant Editor for Xconomy Seattle. You can e-mail her at tchard@xconomy.com or follow her on Twitter at http://twitter.com/theachard.



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 extender

G20 Summit, London, G20 London, G20 Protests, G20 Demonstrations by G20London2009