Wednesday, September 29, 2010

Making Internet Money

Fundraising is a key component for most social good campaigns and projects. Thanks to the the Internet and the social web, raising money for a non-profit, community project or charitable organization or relief effort is easier than ever before.

The web makes it possible to get your message across and collect money from people all over the world and to include your social graph in the process.

If you have an idea or a cause that you want to bring awareness to and raise funds around, there are lots of great online tools to help get you started. Whether you want to raise money for a local community center or help fundraise as part of a broader social good campaign, these tools make it easy to get the word out and collect the funds you need./> id="more-380180">

1. FirstGiving

The U.S. subsidiary of JustGiving.com, FirstGiving lets users raise money for any non-profit in the GuideStar database.

It’s free to create a basic account, but if you pay $300 you can fully customize your donations page and link them back to your own website. FirstGiving lets you create fundraising around upcoming events, marathons and walk-a-thons too, which is a nice touch. The processing fee for donation is 5% plus another 2% for credit card transactions.

2. Crowdrise

We mentioned Crowdrise in a recent post about alternatives to Facebook Causes and it is a great tool for both charities and general purpose fundraisers.

Once you start a project, you can share your project’s link via Facebookclass="blippr-nobr">Facebook, Twitterclass="blippr-nobr">Twitter and e-mail. You can also earn points from the community based on your project and your overall campaign. Crowdrise also has an ongoing series of promotions and sweepstakes that you can add to your project to sweeten the incentive to give.

3. Kickstarter

Kickstarter is most often used by aspiring creatives to fund projects but it can also be used for great effect for local social good community efforts.

Kickstarter is unique in that if your goal amount isn’t reached, none of the money is collected. This “all-or-nothing” approach often leads to Kickstarter campaigns being more active and more involved than a traditional “donate widget.”

A great part of Kickstarter for the social fund creator is the ability to reward donors at certain levels. Much like PBS and NPR offer trinkets if you give a certain amount, Kickstarter lets its project creators do the same thing. You can get really creative with your different donor levels to drive people to give more.

4. WhatGives

WhatGives offers a great widget you can use on Facebook or on your personal webpage to collect donations for your non-profit. WhatGives is nice because aside from integrating well with Facebook, all donations are handled through PayPal.

You need to be a registered non-profit with an approved PayPal account, and all donations are channeled directly into that account. You can customize the platform and embed it as a Facebook app or on your blog or website.

5. Change.org

Change.org lets users create programs to generate actions from others. This can be as simple as signing a petition or writing a letter, or as generous as donating money. For non-profits in the GuideStar database, you can create your own donation pages to collect funds and also draw attention to other action items.

Change.org is very focused on making it easy to virally spread a message, and the site itself also acts as a portal to different organizations and awareness campaigns.

6. Chipin

Chipin is one of the most popular donation widget tools on the web and it’s a great way to collect money for a good cause. We love the Chipin widget because you can see instant progress on donations, and it accepts many forms of payment.

Unlike many of the services on this list, Chipin isn’t just for non-profits or community organizations. You can use it for any project you want.

7. Razoo

Razoo has options for individuals, non-profits, foundations and corporations to raise money for their causes. Individuals can choose to create a fundraising page for any registered non-profit that Razoo recognizes (they have a database of about a million) and non-profits can create custom pages for their organizations and connect with supporters and encourage them to create their own fundraising pages.

What we love about Razoo, in addition to its simple interface and great UI, is that it also offers donation matching for corporations or foundations looking for an easy way to raise money.

8. Convio

Convio offers software for online fundraising and membership, and while its target audience is probably bigger groups or organizations, it’s still worth a look.

For example, Convio’s TeamRaiser lets organizations make it easy for volunteers to create their own websites for tracking and attracting donations.

If you’re organizing a social good fund for a big charity walk or event where volunteers go door-to-door to get donations, check out Convio because it makes managing that process much easier.

9. Facebook Causes

Causes is an increasingly common way for individuals to raise money and start their own funds that are tied to a non-profit. Because Causes is so well-integrated into Facebook, it makes getting the word out and raising awareness and funds for your cause that much simpler.

10. StayClassy

A newer player in the arena of online giving, San Diego’s StayClassy is focused not just on helping non-profits collect donations online, but also manage events and campaigns, track their fundraising results and plug-in.

The world of online fundraising is vast and diverse. What tools have you used when starting your own social good funds? Let us know in the comments.

Brought to you by the class='blippr-nobr'>Mashableclass="blippr-nobr">Mashable & 92Y Social Good Summit

This post was brought to you by the groundbreaking Social Good Summit. On September 20, as global leaders head to New York for United Nations Week — including a historic summit on global issues known as the “Millennium Development Goals” (MDGs) and the annual General Assembly — Mashable, 92nd Street Y and the UN Foundation will bring together leaders from the digital industry, policy and media worlds to focus on how technology and social networks can play a leading role in addressing the world’s most intractable problems.

Date: Monday, September 20, 2010/> Time: 1:00 to 6:00 p.m. ET/> Location: 92nd Street Y, New York City/> Tickets: On sale through Eventbrite

/>

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, PinkTag

For more Social Good coverage:

    class="f-el">class="cov-twit">Follow Mashable Social Goodclass="s-el">class="cov-rss">Subscribe to the Social Good channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

What Internet activism looks like






Anil Dash hits one so far out of the park it attains orbit in this response to a silly Malcolm Gladwell column that decried Internet activism as incapable of achieving meaningful change. It's all must-read stuff, but here's the bit that made me want to stand up and salute:


Today, Dale Dougherty and the dozens of others who have led Maker Faire, and the culture of "making", are in front of a
movement of millions who are proactive about challenging the constrictions that law and corporations are trying to place on how they communicate, create and live. The lesson that simply making things is a radical political act has enormous precedence in political history; I learned it well as a child when my own family's conversation after a screening of Gandhi turned to the salt protests in India, which were first catalyzed in my family's home state of Orissa, and led to my great-grandfather walking alongside Gandhi and others in the salt marches to come. Today's American Tea Partiers see even the original "tea party" largely as a metaphor, but the salt marches were a declaration of self-determination as expressed through manufacturing that took the symbolism of the Boston Tea Party and made it part of everyday life.


To his last day, my great-grandfather wore khadi, the handspun clothing that didn't just represent independence from the British Raj in an abstract way, but made defiance of onerous British regulation as plain as the clothes on one's back. At Maker Faire this weekend, there were numerous examples of clothing that were made to defy laws about everything from spectrum to encryption law. It would have been only an afternoon's work to construct a t-shirt that broadcast CSS-descrambling code over unauthorized spectrum in defiance of the DMCA.


And if we put the making movement in the context of other social and political movements, it's had amazing success. In city after city, year after year, tens of thousands of people pay money to show up and learn about taking control of their media, learning, consumption and communications. In contrast to groups like the Tea Party, the crowd at Maker Faire is diverse, includes children and adults of all ages, and never finds itself in conflict with other groups based on identity or politics. More importantly, the jobs that many of us have in 2030 will be determined by young people who attended a Maker Faire, in industries that they've created. There is no other political movement in America today with a credible claim at creating the jobs of the future.




Make The Revolution


From Poll, a Snapshot of Fox <b>News</b> Viewers - NYTimes.com

Voters who watch Fox News are more enthusiastic about the election and angrier with Washington, according to a New York Times/CBS News poll.

New York Times Backs <b>News</b>-Aggregation Software Company | Russell <b>...</b>

The New York Times Co. is joining a group of news organizations in backing the maker of software that helps publishers aggregate news, according to a person familiar with the matter. The company, called Ongo, filed a trademark ...

EXCLUSIVE: Rachel Zoe and Brad Goreski Calling It Quits — Amicably <b>...</b>

Thomas Evans/PatrickMcMullan.com/Sipa "Bananas!" Celeb stylist Rachel Zoe and her bow-tie clad assistant Brad Goreski have sadly decided to go their separate ways, effective Oct. 1.


bench craft company rip off
benchcraft company scam

Make Money Online: Roadmap of a Dot Com Mogul by Michael Kwan (Freelancer)


From Poll, a Snapshot of Fox <b>News</b> Viewers - NYTimes.com

Voters who watch Fox News are more enthusiastic about the election and angrier with Washington, according to a New York Times/CBS News poll.

New York Times Backs <b>News</b>-Aggregation Software Company | Russell <b>...</b>

The New York Times Co. is joining a group of news organizations in backing the maker of software that helps publishers aggregate news, according to a person familiar with the matter. The company, called Ongo, filed a trademark ...

EXCLUSIVE: Rachel Zoe and Brad Goreski Calling It Quits — Amicably <b>...</b>

Thomas Evans/PatrickMcMullan.com/Sipa "Bananas!" Celeb stylist Rachel Zoe and her bow-tie clad assistant Brad Goreski have sadly decided to go their separate ways, effective Oct. 1.


benchcraft company scam bench craft company rip off

Fundraising is a key component for most social good campaigns and projects. Thanks to the the Internet and the social web, raising money for a non-profit, community project or charitable organization or relief effort is easier than ever before.

The web makes it possible to get your message across and collect money from people all over the world and to include your social graph in the process.

If you have an idea or a cause that you want to bring awareness to and raise funds around, there are lots of great online tools to help get you started. Whether you want to raise money for a local community center or help fundraise as part of a broader social good campaign, these tools make it easy to get the word out and collect the funds you need./> id="more-380180">

1. FirstGiving

The U.S. subsidiary of JustGiving.com, FirstGiving lets users raise money for any non-profit in the GuideStar database.

It’s free to create a basic account, but if you pay $300 you can fully customize your donations page and link them back to your own website. FirstGiving lets you create fundraising around upcoming events, marathons and walk-a-thons too, which is a nice touch. The processing fee for donation is 5% plus another 2% for credit card transactions.

2. Crowdrise

We mentioned Crowdrise in a recent post about alternatives to Facebook Causes and it is a great tool for both charities and general purpose fundraisers.

Once you start a project, you can share your project’s link via Facebookclass="blippr-nobr">Facebook, Twitterclass="blippr-nobr">Twitter and e-mail. You can also earn points from the community based on your project and your overall campaign. Crowdrise also has an ongoing series of promotions and sweepstakes that you can add to your project to sweeten the incentive to give.

3. Kickstarter

Kickstarter is most often used by aspiring creatives to fund projects but it can also be used for great effect for local social good community efforts.

Kickstarter is unique in that if your goal amount isn’t reached, none of the money is collected. This “all-or-nothing” approach often leads to Kickstarter campaigns being more active and more involved than a traditional “donate widget.”

A great part of Kickstarter for the social fund creator is the ability to reward donors at certain levels. Much like PBS and NPR offer trinkets if you give a certain amount, Kickstarter lets its project creators do the same thing. You can get really creative with your different donor levels to drive people to give more.

4. WhatGives

WhatGives offers a great widget you can use on Facebook or on your personal webpage to collect donations for your non-profit. WhatGives is nice because aside from integrating well with Facebook, all donations are handled through PayPal.

You need to be a registered non-profit with an approved PayPal account, and all donations are channeled directly into that account. You can customize the platform and embed it as a Facebook app or on your blog or website.

5. Change.org

Change.org lets users create programs to generate actions from others. This can be as simple as signing a petition or writing a letter, or as generous as donating money. For non-profits in the GuideStar database, you can create your own donation pages to collect funds and also draw attention to other action items.

Change.org is very focused on making it easy to virally spread a message, and the site itself also acts as a portal to different organizations and awareness campaigns.

6. Chipin

Chipin is one of the most popular donation widget tools on the web and it’s a great way to collect money for a good cause. We love the Chipin widget because you can see instant progress on donations, and it accepts many forms of payment.

Unlike many of the services on this list, Chipin isn’t just for non-profits or community organizations. You can use it for any project you want.

7. Razoo

Razoo has options for individuals, non-profits, foundations and corporations to raise money for their causes. Individuals can choose to create a fundraising page for any registered non-profit that Razoo recognizes (they have a database of about a million) and non-profits can create custom pages for their organizations and connect with supporters and encourage them to create their own fundraising pages.

What we love about Razoo, in addition to its simple interface and great UI, is that it also offers donation matching for corporations or foundations looking for an easy way to raise money.

8. Convio

Convio offers software for online fundraising and membership, and while its target audience is probably bigger groups or organizations, it’s still worth a look.

For example, Convio’s TeamRaiser lets organizations make it easy for volunteers to create their own websites for tracking and attracting donations.

If you’re organizing a social good fund for a big charity walk or event where volunteers go door-to-door to get donations, check out Convio because it makes managing that process much easier.

9. Facebook Causes

Causes is an increasingly common way for individuals to raise money and start their own funds that are tied to a non-profit. Because Causes is so well-integrated into Facebook, it makes getting the word out and raising awareness and funds for your cause that much simpler.

10. StayClassy

A newer player in the arena of online giving, San Diego’s StayClassy is focused not just on helping non-profits collect donations online, but also manage events and campaigns, track their fundraising results and plug-in.

The world of online fundraising is vast and diverse. What tools have you used when starting your own social good funds? Let us know in the comments.

Brought to you by the class='blippr-nobr'>Mashableclass="blippr-nobr">Mashable & 92Y Social Good Summit

This post was brought to you by the groundbreaking Social Good Summit. On September 20, as global leaders head to New York for United Nations Week — including a historic summit on global issues known as the “Millennium Development Goals” (MDGs) and the annual General Assembly — Mashable, 92nd Street Y and the UN Foundation will bring together leaders from the digital industry, policy and media worlds to focus on how technology and social networks can play a leading role in addressing the world’s most intractable problems.

Date: Monday, September 20, 2010/> Time: 1:00 to 6:00 p.m. ET/> Location: 92nd Street Y, New York City/> Tickets: On sale through Eventbrite

/>

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, PinkTag

For more Social Good coverage:

    class="f-el">class="cov-twit">Follow Mashable Social Goodclass="s-el">class="cov-rss">Subscribe to the Social Good channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

What Internet activism looks like






Anil Dash hits one so far out of the park it attains orbit in this response to a silly Malcolm Gladwell column that decried Internet activism as incapable of achieving meaningful change. It's all must-read stuff, but here's the bit that made me want to stand up and salute:


Today, Dale Dougherty and the dozens of others who have led Maker Faire, and the culture of "making", are in front of a
movement of millions who are proactive about challenging the constrictions that law and corporations are trying to place on how they communicate, create and live. The lesson that simply making things is a radical political act has enormous precedence in political history; I learned it well as a child when my own family's conversation after a screening of Gandhi turned to the salt protests in India, which were first catalyzed in my family's home state of Orissa, and led to my great-grandfather walking alongside Gandhi and others in the salt marches to come. Today's American Tea Partiers see even the original "tea party" largely as a metaphor, but the salt marches were a declaration of self-determination as expressed through manufacturing that took the symbolism of the Boston Tea Party and made it part of everyday life.


To his last day, my great-grandfather wore khadi, the handspun clothing that didn't just represent independence from the British Raj in an abstract way, but made defiance of onerous British regulation as plain as the clothes on one's back. At Maker Faire this weekend, there were numerous examples of clothing that were made to defy laws about everything from spectrum to encryption law. It would have been only an afternoon's work to construct a t-shirt that broadcast CSS-descrambling code over unauthorized spectrum in defiance of the DMCA.


And if we put the making movement in the context of other social and political movements, it's had amazing success. In city after city, year after year, tens of thousands of people pay money to show up and learn about taking control of their media, learning, consumption and communications. In contrast to groups like the Tea Party, the crowd at Maker Faire is diverse, includes children and adults of all ages, and never finds itself in conflict with other groups based on identity or politics. More importantly, the jobs that many of us have in 2030 will be determined by young people who attended a Maker Faire, in industries that they've created. There is no other political movement in America today with a credible claim at creating the jobs of the future.




Make The Revolution


bench craft company rip off

From Poll, a Snapshot of Fox <b>News</b> Viewers - NYTimes.com

Voters who watch Fox News are more enthusiastic about the election and angrier with Washington, according to a New York Times/CBS News poll.

New York Times Backs <b>News</b>-Aggregation Software Company | Russell <b>...</b>

The New York Times Co. is joining a group of news organizations in backing the maker of software that helps publishers aggregate news, according to a person familiar with the matter. The company, called Ongo, filed a trademark ...

EXCLUSIVE: Rachel Zoe and Brad Goreski Calling It Quits — Amicably <b>...</b>

Thomas Evans/PatrickMcMullan.com/Sipa "Bananas!" Celeb stylist Rachel Zoe and her bow-tie clad assistant Brad Goreski have sadly decided to go their separate ways, effective Oct. 1.


bench craft company rip off benchcraft company scam

From Poll, a Snapshot of Fox <b>News</b> Viewers - NYTimes.com

Voters who watch Fox News are more enthusiastic about the election and angrier with Washington, according to a New York Times/CBS News poll.

New York Times Backs <b>News</b>-Aggregation Software Company | Russell <b>...</b>

The New York Times Co. is joining a group of news organizations in backing the maker of software that helps publishers aggregate news, according to a person familiar with the matter. The company, called Ongo, filed a trademark ...

EXCLUSIVE: Rachel Zoe and Brad Goreski Calling It Quits — Amicably <b>...</b>

Thomas Evans/PatrickMcMullan.com/Sipa "Bananas!" Celeb stylist Rachel Zoe and her bow-tie clad assistant Brad Goreski have sadly decided to go their separate ways, effective Oct. 1.


benchcraft company scam benchcraft company scam

From Poll, a Snapshot of Fox <b>News</b> Viewers - NYTimes.com

Voters who watch Fox News are more enthusiastic about the election and angrier with Washington, according to a New York Times/CBS News poll.

New York Times Backs <b>News</b>-Aggregation Software Company | Russell <b>...</b>

The New York Times Co. is joining a group of news organizations in backing the maker of software that helps publishers aggregate news, according to a person familiar with the matter. The company, called Ongo, filed a trademark ...

EXCLUSIVE: Rachel Zoe and Brad Goreski Calling It Quits — Amicably <b>...</b>

Thomas Evans/PatrickMcMullan.com/Sipa "Bananas!" Celeb stylist Rachel Zoe and her bow-tie clad assistant Brad Goreski have sadly decided to go their separate ways, effective Oct. 1.


bench craft company rip off












































Saturday, September 25, 2010

managing your personal finance


A lot of people are unemployed in this country, 14.9 million as of the latest BLS release a couple of days ago, and for some of those people, this has become what is coyly referred to as ‘the entrepreneurial moment’, the ‘ah-ha’ light-bulb realization that if they don’t create a job for themselves, there will be no job, no income, no mortgage payment, no groceries, no light, no heat, no gas for the car, nuthin’. Since 2008, over 5 million jobs have been lost, many of which will never, ever come back.


Welcome to Labor Day, 2010.


Some of these ‘lost’ jobs have been outsourced overseas. Some have just been cut. Some companies are using their cash to invest in technologies which will insure that they will never have to hire these folks back, at least not with the skills that they had when they were given a cardboard box and five minutes to empty their desks and get out the front door.


If there are people out there who have or are considering building their own ‘life raft’ it would surprise absolutely no one; though for some folks, entrepreneurship is so scary, they can’t imagine anything other than hiring on to someone else’s deal, no matter how horrible it is.


Sometimes, though, you don’t have any choice. One thing to remember, is that many of the most successful entrepreneurs in this country have not invented fuel cells, high tech photovoltaic films, high speed transit, a cure for cancer (or the common cold), or the answer for peace in our time. They are cleaning houses, making pizza, fixing computers/ipods/iphones/cars/furnaces/plumbing/household electric, managing other people’s systems, giving advice, making clothing for people who are outside the common size ranges in the stores.


Not exactly operating a basement boiler room financial situation, doing crazy financial stuff, or stirring up the pot on international finance.


At its most basic, it’s local; at its most interesting, it might even be regional. But it is still person to person; it’s still me doing business with you. Face to face. My hands and brain doing stuff to help you. Some of this is amazingly low tech – some of it is almost medieval.


This week’s fascinating story comes from the New York Times about a family of knife sharpeners who have thrown a new curve on this ancient of trades by providing two sets of knives to butchers, restaurants, food services (in Yankee Stadium, for heaven’s sake), and calling on a weekly basis to pick up the used set and providing the newly sharpened set.


Anyone who does any real work in a kitchen at all knows that your most important tools are a good set of knives and a good frying and sauce pan. With those three things, you can do almost anything (and yes, I have made cookies in the bottom of a frying pan; thank you for asking), but if your knives are dull, cutting anything becomes horrible work and you can injure yourself badly. “Every week, the company visits more than 800 clients and collects more than 8,000 knives to be replaced with freshly sharpened blades. The service costs $2.50 to $3.50 per knife.


The business started servicing mainly butchers and meatpackers, in territories handed down from father to son. To preserve the business for his children, Mr. Ambrosi expanded it to restaurants and even Yankee Stadium, in some cases deviating from long-held tradition. Many cooks and chefs take personal pride in their knives and their ability to maintain them, and would hesitate to release them to anyone else’s care. But sharpening a knife takes time and skill — and not every chef has both.”


Having a skill and honing (sorry) that so that you can provide something that someone else can not (or will not) do, whether it is being an electrician, a plumber, a welder, a knife sharpener, a shoe repair shop, a hair dresser, whatever it is – can make the difference in today’s international economy between being able to make a living for your family and holding your head in your hands. One of America’s biggest mistakes as far as education is concerned (and others might just argue with me) is that we “jumped the shark” in terms of absorbing people coming out of colleges.


Since the 1980s, kids coming out of college have had fewer and lower level opportunities. Jobs which absorbed high schoolers, now require a 2 or 4 year degree; job that required a college degree started to require a masters degree; some jobs which required a college degree and some internal training, now require advanced degrees – I even know of jobs that now require a legal degree to be hired which 30 years ago required a college degree and passing a test. So much emphasis was placed on going to college – and vocational training and the trades were so downgraded and derided that any family with a kid with two brain cells to rub together would not even THINK of encouraging that kid to go into the trades, unless the family was already in the business.


We’re now at a situation where companies, which shot themselves in the foot by sending skilled jobs overseas and now want to bring them back because costs overseas have risen and/or they are tired of their intellectual property being stolen and sold to others, can’t find the skills they want. Not to put too fine a point on this – those same companies have not done any training themselves; nor are they willing to do so. They got into the habit a long time ago of pushing the investment in training off on others. The government for one.


The other, which has willingly and consistently provided training in the trades for years are the unions. Organized labor. The Great Satan of the industrial world. The guys everyone loves to hate. The organizations which, according to many employers, stand in their way of succeeding in business.


But still, the organization which has kept skills alive in this country despite outsourcing, overseas sourcing, attacks from business and government, and general antipathy from great swaths of the American population in certain parts of the country.


So. On this frankly very sad Labor Day, 2010, I’d like to thank the American Labor Movement for remembering what America and Americans do best and what we need to do on an increasing basis if we are to put people back to work – or if we are to have businesses to call our own: Do stuff with our hands.


Thanks folks. You’re not perfection, but you’re willing to invest in Americans.


Happy Labor Day






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]








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After Months of Speculation, Anisette Brasserie Bids Au Revoir <b>...</b>

Unfortunately, we called it. In an additional bout of shutter news, months and months after rumors swirled that Alain Giraud's Anisette Brasserie was about to call it quits, his...

Expats talks <b>news</b> over booze - RT

This week, Moscow's expats share their impressions of the stories that made the news, including the Arctic Forum, Pakistan's floods and the Art Moscow Fair.

Fox <b>News</b> Live Feed | AZ Articles

Unfortunately, Fox News decided to stop this very useful feed to the detriment of millions of Internet users who had no access to cable or satellite TV. As a poor alternative, by clicking the VIDEOS button of the website, ...


After Months of Speculation, Anisette Brasserie Bids Au Revoir <b>...</b>

Unfortunately, we called it. In an additional bout of shutter news, months and months after rumors swirled that Alain Giraud's Anisette Brasserie was about to call it quits, his...

Expats talks <b>news</b> over booze - RT

This week, Moscow's expats share their impressions of the stories that made the news, including the Arctic Forum, Pakistan's floods and the Art Moscow Fair.

Fox <b>News</b> Live Feed | AZ Articles

Unfortunately, Fox News decided to stop this very useful feed to the detriment of millions of Internet users who had no access to cable or satellite TV. As a poor alternative, by clicking the VIDEOS button of the website, ...


big white booty

After Months of Speculation, Anisette Brasserie Bids Au Revoir <b>...</b>

Unfortunately, we called it. In an additional bout of shutter news, months and months after rumors swirled that Alain Giraud's Anisette Brasserie was about to call it quits, his...

Expats talks <b>news</b> over booze - RT

This week, Moscow's expats share their impressions of the stories that made the news, including the Arctic Forum, Pakistan's floods and the Art Moscow Fair.

Fox <b>News</b> Live Feed | AZ Articles

Unfortunately, Fox News decided to stop this very useful feed to the detriment of millions of Internet users who had no access to cable or satellite TV. As a poor alternative, by clicking the VIDEOS button of the website, ...



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







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






























Friday, September 24, 2010

personal finance budgets


Behold: the most profoundly pessimistic attack ad of 2010. Meg Whitman has delivered unto us a masterpiece of dirty politics.



What is most striking about this already-infamous ad isn't the boldness of its mendacity--though it certainly has that--but the cynicism of its timing. It's the sort of unabashedly nasty hit that one would expect just days before an election, and even then only from an outside interest group. Yet here it is, delivered to us in early September with Meg Whitman's name right there on the card. By not only producing so brazen a piece of misinformation but also airing it with more than enough time to effectively rebut, Whitman is betting the house on the politics of personal animosity.



If you live in California or happen to be a political junkie, you've no doubt seen it already and can skip the next paragraph. But for those of you who have avoided it (probably due to a weak stomach or some lingering, endangered shred of personal or political optimism) here's a recap:



Bill Clinton, in a 1992 debate, sits face-to-face with Jerry Brown. Brown looks at Clinton like a kid called to the principal's office. Clinton blasts Brown as a tax-raising liar: "CNN, not me, CNN says his assertion about his tax record was, quote, 'just plain wrong.' He raised taxes as Governor of California. He doesn't tell the people the truth." That's two levels of surrogate Whitman is hiding behind, for those of you keeping track. On its own, the ad is devastating.



There's just one little problem: That CNN report turned out to be "just plain wrong," and Whitman's campaign--like all interested parties--has been fully aware of that for some time. From what the San Jose Mercury-News has been able to piece together, the CNN report used the wrong years both in determining the base of comparison and in identifying the budgets Brown had control over. This made it seem Brown was responsible for a sizable tax increase during Reagan's last year in office and failed to give him credit for tax cuts later in his tenure. The LA Times and California Department of Finance also revisited the numbers and found them to be outright wrong, for the same reasons, in the same ways. Brown was telling the truth. He had cut taxes as Governor of California.



Whitman knew full well that the story was a lie, but she wanted to repeat it all the same. The excuse her communications director offered the Mercury-News: "Bill Clinton, not me, said Jerry Brown 'doesn't tell people the truth.'" Sound familiar?



But this ad is so much more perverse than any simple repetition of untruths. It practically baits a popular former president into entering the fray on the side of Whitman's opponent, yet rests comfortably on the belief that personal grievances and misgivings will trump ethics and ideology to prevent any serious intervention by Clinton or one of the nation's most popular fact checkers.



Yes, in case you missed it, there is yet another personality being ironically misused by this ad. Brooks Jackson, the reporter responsible for this particular "oopsie," now heads FactCheck.org. If you didn't already know that, give yourself a moment to let it sink in: The man whose erroneous report is still fueling factually-incorrect campaign advertisements nearly two decades later is also the guy we all run to when we question the veracity of claims in a political advertisement.



For his part, Jackson acknowledged the error on FactCheck.org in a manner only slightly more embarrassing than admirable. Unlike other political ads targeted by FactCheck, the correction has yet to warrant an actual article on the site. Jackson did, however, post a blog entry on the topic on one of the site's secondary pages. It fails to even mention the Clinton ad and generally reads more like a lengthy rationalization than a correction. He even works in the astonishing insinuation that Prop 13 was a reaction to Brown's high taxes. (Prop 13, patently a reaction to soaring property values and their impact on property tax rates, was not included in the figures used to correct Jackson's report.) After muddying the waters for seven paragraphs, he concludes that state taxes "increased during four of Brown's eight years, and during six of those years they were higher than before he took office. But they were lower during his final two years."



The Mercury-News, State Department of Finance and Associated Press see things a little differently. By about $16 billion in tax cuts during Brown's first seven years in office, and $4 billion in savings per year between 1978 and 1982. Not counting the savings from Prop 13. So much for a gentleman admitting he was wrong.



Not that Jackson matters much to Brown's campaign. Both Brown and Whitman know that only one man can make this ad backfire on Whitman: former president Clinton. Whitman is betting (perhaps unwisely, given Clinton's general election campaigning for Barack Obama,) that 18 years after their bitter battle for the Democratic nomination, Clinton still hates Brown so much that he will refuse defend him with any real conviction.



Exactly how acrimonious was the Clinton-Brown contest? The clip in Whitman's ad might be called one of its more friendly exchanges.



In what was widely taken as an allusion to Brown's onslaught of attacks on Clinton's character, Jesse Jackson opened one debate by chastising the candidates for getting too caught up in "attacks and counterattacks." It didn't slow Brown down. Later that evening, he accused Clinton of racial insensitivity for playing golf at a whites-only country club and using black prisoners as campaign props.



At the final debate, when Brown (not without his own, similar conflicts of interest,) accused Clinton of "funneling money to his wife's law firm," Clinton shot back, "You're not worth being on the same platform as my wife."



The highlight (or low point) of that debate was when Clinton said, "I feel sorry for Jerry Brown... He asked me to support him for President once." When a moderator asked if he did, Clinton didn't miss a beat before shooting back, "Of course not." Footage circulated from the night appears to show gathered reporters roaring with laughter. Whitman probably has that ad already in the can.



In an email blast from Brown's campaign the morning the ad came out, Brown was quick to let Clinton off the hook. The former president had "later learned" that the numbers were incorrect, according to the letter to supporters. But it's a lot easier for Jerry Brown to play nice for the sake of his own campaign than it will be for Bill Clinton, who doesn't need any favors, to come riding to Brown's rescue.



Is Clinton still unable to put the past behind him?



Pundits have pointed to his early support for Gavin Newsom over Brown as proof that he still holds a grudge. But was Clinton's support of Newsom the result of his decades-old feud with Brown, or of a more recently developed loyalty? Newsom was a very vocal, enthusiastic supporter of Hillary Clinton during the 2008 primaries.



Ironically, that support might have been born out of the former San Francisco Mayor's own feud with another Democratic president. In 2007, Newsom implied to Reuters that Obama, "As God is my witness, will not be photographed with me, will not be in the same room with me." At issue was Newsom's having granted marriage licenses to same-sex couples.



The Obama-Newsom feud was verified in early 2008, when Willie Brown (backed by several Newsom staffers) gave a much more detailed account of the disputed incident to the San Francisco Chronicle. Obama's campaign denied the accusation, telling Politico that the incoming president was so "pissed" over the stories that the new administration "may give San Francisco to Canada."



Newsom might well have supported Hillary Clinton just as enthusiastically regardless of his personal feelings about Obama. Still, it's tempting to imagine that his feud with the current president might have, just as much as Bill Clinton's animosity toward Jerry Brown, circuitously earned him the former president's support. In politics, there is seldom a single reason for anything, and with so many personal feuds and vendettas driving the nation's politics, it's more than a little difficult to keep straight which one is motivating whom and when.



Will Clinton step in? If he wants to keep that "team player" image he so carefully rebuilt during the 2008 general election, he'll have to. But will he do so looking like an angry, misused Brown supporter or a fellow Democrat forced by party allegiance to go through the motions? I don't know.



What I can say with certainty is that Meg Whitman doesn't even take seriously the possibility that Bill Clinton would rather campaign for Jerry Brown than be seen as the man responsible for costing Democrats the California governor's mansion.



Update: Around the time that this posted, stories about Brown's remarks about Clinton at a campaign event Sunday were beginning to spread. So it seems that Whitman was probably right. "No matter how cynical you become, it's never enough to keep up." - Lily Tomlin.



And another update: Clinton issued a statement to several news outlets today. In it, he endorsed Brown, said that the CNN report had been inaccurate and specifically cited Gavin Newsom's support of Hillary Clinton as a reason for his having received Clinton's early primary endorsement.










It's hard to beat an excel spreadsheet for quickly shifting between a granular and top-level view of your personal finance situation. Here's reader Lauren's account balance spreadsheet she made to keep track of her expenditures, past, present, and future, and itemize her budget.



Download Lauren's Budgeter (XLS)



1. Scroll to the current month.

2. Enter your current balance in the "Starting Balance" box at the top left.

3. Enter your credits and debits on the appropriate dates they will hit your account. Use positive numbers for money getting added credits, and negative numbers for when it's getting taken away.

4. The green "Total" will change to reflect your total overall balance.



Use it as is, compare it to your own, or mod to fit your own needs.



Lauren says it's "quite nifty," and also uses it as a calendar.



Here's the excel code for the totaler for those who like to look under the hood:



TODAY();_8_10)

+SUMIF(_9_10d;"

big white booty programs

The American Spectator : Good <b>News</b>

Hard to avoid the good news these days. A few days back we learned that the war in Iraq was over. Well, sort of, anyway. The President explained that U.S. troops were done with combat but would remain in a support and advisory capacity. ...

Arab move to censure Israel stymied at UN meeting | Updated <b>News</b>

LATEST NEWS � Plane off runway in Sicily, 20 slightly injured � Arab move to censure Israel stymied at UN meeting � Small-town mayors targeted by Mexican drug gangs � Fla. bank robbers strap bomb to abducted teller � Belgian skydiver on ...

Can &#39;Fox <b>News</b> North&#39; win its next battle? - Canada - Macleans.ca

Sun TV's Canadian-content promise might be its best selling feature.


The American Spectator : Good <b>News</b>

Hard to avoid the good news these days. A few days back we learned that the war in Iraq was over. Well, sort of, anyway. The President explained that U.S. troops were done with combat but would remain in a support and advisory capacity. ...

Arab move to censure Israel stymied at UN meeting | Updated <b>News</b>

LATEST NEWS � Plane off runway in Sicily, 20 slightly injured � Arab move to censure Israel stymied at UN meeting � Small-town mayors targeted by Mexican drug gangs � Fla. bank robbers strap bomb to abducted teller � Belgian skydiver on ...

Can &#39;Fox <b>News</b> North&#39; win its next battle? - Canada - Macleans.ca

Sun TV's Canadian-content promise might be its best selling feature.


big white booty

The American Spectator : Good <b>News</b>

Hard to avoid the good news these days. A few days back we learned that the war in Iraq was over. Well, sort of, anyway. The President explained that U.S. troops were done with combat but would remain in a support and advisory capacity. ...

Arab move to censure Israel stymied at UN meeting | Updated <b>News</b>

LATEST NEWS � Plane off runway in Sicily, 20 slightly injured � Arab move to censure Israel stymied at UN meeting � Small-town mayors targeted by Mexican drug gangs � Fla. bank robbers strap bomb to abducted teller � Belgian skydiver on ...

Can &#39;Fox <b>News</b> North&#39; win its next battle? - Canada - Macleans.ca

Sun TV's Canadian-content promise might be its best selling feature.



Finance by alancleaver_2000







Finance by alancleaver_2000






























personal finance books





photo: vixyao


Cooking at home is the best way to save cash, but it’s nice to go out sometimes, too. Check out Frugal Foodie every Friday for a selection of the latest coupons for casual and fancy fare.


This week: free ice cream, Champagne, coffee and dessert, buy-one-get-one-free smoothies, discounts for donations and $10 bottles of wine, among other deals.


1. Cold Stone Creamery


Visit on Sept. 30 to get a free 3oz. “Kate’s Creation” for the World’s Largest Ice Cream Social. The deal is valid from 5 p.m. to 8 p.m., while supplies last. Participating locations only.


2. Jamba Juice


Use a print out coupon and buy a smoothie to get a second one of equal or lesser value free. Participating locations only. Deal good through Sept. 22.


3. New Jersey Restaurant Week


From Sept. 19-25, participating restaurants are offering one of three specials: 20% of your check, a free dessert and coffee with the purchase of an entrée, or a special $35 prixe fix three-course meal featuring “Jersey Fresh” ingredients.


4. Boston Market


Facebook fans who donate $1 to Share Our Strength will receive a print out coupon good for a free side dish of their next visit. Offer good through Sept. 25.


5. The Broiler Restaurant


The Sacramento, Calif., restaurant is celebrating 60 years in business with restaurant specials, including a $19.50 three-course menu that comes with a complimentary glass of Champagne. Other specials will be posted on the company’s Facebook and Twitter pages.


6. Center City District Restaurant Week


Philadelphia’s restaurant week runs through Sept. 17, and again Sept. 19-24. Participating restaurants will offer special three-course menus for $35, and three-course lunches for $20.


7. Lone Star Steakhouse


Save $7.50 off two entrees (except the two-for-$20 special) with a print out coupon. Participating locations only. Offer expires Sept. 26.


8. Restaurant.com


This week, coupon code “SPORK” at checkout gets you an extra 70% off already discounted gift certificates to local venues. The code expires Sept. 19. Restaurant.com usually prices $25 certificates at $10. (Spend $20 to get $50; $30 for $75, etc.) With the discount, you’ll pay just $3, $6, or $9. Each restaurant sets conditions regarding the number of diners, days and menu items a certificate can be used for, so check the fine print before you buy.


9. Taco Bueno


As part of Share Our Strength’s Dine Out fundraiser, Taco Bueno will offer coupon books for $2. Each book contains $5 in coupons for the chain. Offer good through Sept. 26.


10. Il Gatto


Every Monday, this Minneapolis restaurant offers 10 different wines for $10 per bottle, which the Star Tribune notes is less than the cost of many of the venue’s pizzas.


Frugal Foodie is a journalist based in New York City who spends her days writing about personal finance and obsessing about what she’ll have for dinner. Chat with her on Twitter through @MintFoodie.






People often ask me about the secret to this blog’s success. “How did you get so many readers?” they ask. “How can I do the same?”


My answer is similar to Anderson’s. There aren’t any secrets. Write and post great content on a regular basis for a long, long time. In short, you can’t just talk about building a great blog; you also have to put in the work. Simple, right? But it’s not easy.


(I appreciate the folks who come up to me and say, “You know, J.D., I don’t know how you do it. I tried to keep a blog for a few months. It was hard.” Yes, it is. It’s work, just like anything else.)


If there’s something you want to be or do, the best way to become that thing is to actually take steps toward it, to move in that direction. Don’t just talk about it, but do something. It doesn’t have to be a big thing. Just take a small step in the right direction every single day.


If you want to get out of debt, take small steps toward becoming debt-free. If you want to save for a trip to Africa, save a little bit at a time. If you want to get a new job, make moves in that direction. But take action. That’s the most important step.


Action Not Words

Of course, there’s more to getting stuff than just taking action. It’s one thing to say you want to become a commercial airline pilot and another to actually do it. Here are some of the things I learned as I made the move from Talker do Doer:



  • Make time for the things you want to do. One of the keys to getting things done is setting aside time for the things you want to accomplish. You have to make time to get stuff done. As the Kevin J. Anderson article I mentioned above demonstrates, you don’t just become a best-selling author or an Olympic athlete. Talking doesn’t make it so. You have to carve out time to do this stuff. You have to put your Big Rocks first and fit the small stuff in around them.


  • Have a goal in mind. I truly believe that the biggest reason I used to struggle with getting stuff done is that I didn’t have any sort of plan. I had no goals. Goals give you purpose. It wasn’t until I became committed to digging out of debt that I was able to actually start moving in the right direction. Part of my current problem is that I’ve recently achieved a bunch of big goals, but now have nothing planned for the future.


  • Don’t take on too much. While it’s important to set goals, don’t take on too many tasks at once. I try to set just one or two major goals at a time. Any more and I find I can’t pursue any of them effectively. This year, my one goal is to lose 50 pounds. I’m on pace to do that. Why? Because I don’t have anything else on my schedule competing for time. This is my Big Rock.


  • Don’t let failures deter you. This is huge. One of the reasons I used to talk so much without acting is that I was afraid of failure. I’m not sure where I learned to be afraid of defeat, but that’s the way I was. And when I did try something but failed, I’d give up. This is no way to get stuff done. Talkers let fear of failure keep them on the sideline; Doers overcome fear and move on, and when they fail, they simply try again.


  • Don’t find reasons that something can’t be done; instead, find ways that something can be done. This is a pet peeve of mine. I hate when people come to me for advice, but when I give it, they tell me all of the reasons it won’t work for their circumstances. (This often happens when I suggest people take a second job to boost their income, for example.) One of the biggest difference between successful people and those who aren’t is that the successful don’t make excuses. If something looks difficult or impossible, they find ways to make it happen anyhow.


In the past five years, I’ve learned that I can do anything I set my mind to. Get out of debt? After I stopped talking and started doing, I got out of debt quicker than I thought possible. Losing 50 pounds? Well, I’m not there yet, but I’ve lost over 30 pounds since January 1st — but it didn’t happen until I stopped talking about it and started working hard to make it happen. Learning French? Well, there’s one where my talk outpaces my action right now, and it’s a perfect example of what I mean when I say actions speak louder than words. I don’t study my French as much as I should, so basically all I can do is count and tell you what color my clothes are. (”J’ai deux chemise noir.”)


For five years, my doing slowly increased until this past winter it reached a frenzied pace. I was burning myself out. I was writing and speaking and working and exercising and…well, it seemed like I never had a spare moment. This was the dark side of doing, and it’s what triggered my desire to downshift. It’s what led the pendulum swinging too far in the direction of Starcraft II.


Finding a Solution

So what’s the solution to my current problem? How can I stop playing computer games so much? How can I stop just being a Talker and become a Doer again? Well, making this public confession is a first step. But the thing that I think will really help is the “decision tree” I came up with the other day. Whenever the urge to game strikes, I’m going to ask myself the following questions:



  • Have I exercised today?

  • Are the house and yard tidy?

  • Have I run all of my errands?

  • Have I written and/or edited at least two articles for Get Rich Slowly?

  • Does my inbox have fewer than 20 messages?


If I can answer “yes” to these five questions, then it’s okay to play Starcraft II or Carcassonne. But if I answer “no” to even one of these questions, I need to have the discipline to let the gaming go. I believe this will help me strike a balance. It’ll help me return to the world of Doing again. Because you know what? Life is a lot more fun as a Doer than a Talker.




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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 ...

Olbermann On Sharron Angle Video | Fox <b>News</b> | Media Matters | Mediaite

You'll never believe this one, but it appears Keith Olbermann isn't the biggest fan of Fox News. But in case there was any doubt, on last night's Countdown he made it clear again, going after what he sees as the network blatantly ...

Understanding the Forbes redesign « Talking Biz <b>News</b>

Dvorkin had founded True/Slant, an online news network. Previously, he had been executive editor at Forbes magazine, where he spearheaded an earlier redesign, managed the annual Forbes 400 Richest Americans list and created the ...


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 ...

Olbermann On Sharron Angle Video | Fox <b>News</b> | Media Matters | Mediaite

You'll never believe this one, but it appears Keith Olbermann isn't the biggest fan of Fox News. But in case there was any doubt, on last night's Countdown he made it clear again, going after what he sees as the network blatantly ...

Understanding the Forbes redesign « Talking Biz <b>News</b>

Dvorkin had founded True/Slant, an online news network. Previously, he had been executive editor at Forbes magazine, where he spearheaded an earlier redesign, managed the annual Forbes 400 Richest Americans list and created the ...


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 ...

Olbermann On Sharron Angle Video | Fox <b>News</b> | Media Matters | Mediaite

You'll never believe this one, but it appears Keith Olbermann isn't the biggest fan of Fox News. But in case there was any doubt, on last night's Countdown he made it clear again, going after what he sees as the network blatantly ...

Understanding the Forbes redesign « Talking Biz <b>News</b>

Dvorkin had founded True/Slant, an online news network. Previously, he had been executive editor at Forbes magazine, where he spearheaded an earlier redesign, managed the annual Forbes 400 Richest Americans list and created the ...



The Secret by kateraidt







The Secret by kateraidt






























Thursday, September 23, 2010

foreclosure agents


BR: Funny you say that — I referred to the NAR chief economist as Baghdad Bob in one of the “previously” links mentioned: Former NAR Economist David Lereah is a Jackass (January 6th, 2009)








  • Soylent Green Is People Says:



    September 1st, 2010 at 11:11 am

    If your stocked up on Insulin, try the ever sugary http://www.positiveonrealestate.com/ for your daily firehosing of rich, delicious Kool-Aid. You thought the NAR was hyper sunny. They’re simpletons compared to whomever runs this site.


    You’ve been warned….


    My .02c


    Soylent Green Is People.








  • Soylent Green Is People Says:



    September 1st, 2010 at 11:13 am

    If you’re fully stocked with Insulin, try http://www.positiveonrealestate.com/ for a daily firehosing of rich, delicious Real Estate Kool-Aid. You think the NAR is hyper sunny? They’re simpletons compared to the people who run this site.


    You’ve been fairly warned.


    Soylent Green Is People.








  • ACS Says:



    September 1st, 2010 at 11:32 am

    How long before we reach Sanford’s step 12?








  • gavingunhold Says:



    September 1st, 2010 at 11:45 am

    I used to work at NAR. And I once time forwarded a blog post by Barry Ritholtz to Lawrence Yun, kind of just as a heads up. Lawrence was none too pleased. Heh.








  • JustinTheSkeptic Says:



    September 1st, 2010 at 11:49 am

    BR, you can continue with the “Bank Spin, Auto Company Spin, etc.” Take your pick….








  • rktbrkr Says:



    September 1st, 2010 at 11:53 am

    Take your pick…

    “The manufacturing sector has maintained its momentum at least through August,” said Zach Pandl, an economist at Nomura Securities International Inc. in New York. The report “makes clear the economy is not slipping into recession any time but it’s still reasonable to be concerned about where we’re heading over the next three to six months.”


    General Motors Co.’s sales fell 25 percent last month and trailed analysts’ estimates, as the U.S. auto industry headed for its worst August in 28 years.


    GM said deliveries fell to 185,176 from 246,479 last August, when the U.S. government’s “cash for clunkers” incentive program boosted sales.








  • Soylent Green Is People Says:



    September 1st, 2010 at 11:56 am

    Regrets for the double post. The first one did not show so I rewrote it again. I confess to my foolishness.








  • machinehead Says:



    September 1st, 2010 at 12:02 pm

    Since the time I bought my first house, the cry of the Realtor(TM) has been, ‘Buy now, before prices go up!’


    They are Permabulls, like many Wall Street brokers — not to be taken seriously. Pay them for transacting, not for their stuck-clock market predictions.


    And — until proven otherwise — don’t regard them as professionals. That’s what the idiot NAR has accomplished — to deprofessionalize the image of a group which includes some very dedicated people. It took the NAR decades of hard work to break into the circus-clown limelight. Take a bow, bozos!








  • lalaland Says:



    September 1st, 2010 at 12:07 pm

    I doubt it’s the NAR’s fault that people expect their homes to appreciate 10% a year. Nobody really pays attention to them outside the statistics junkies I would wager. I blame exactly the kind of stupidity that has proven to be rampant across all sectors of the economy. Oh, and, you know – unrelated – it’s time to go watch Dick Fuld.








  • Mark Wolfinger Says:



    September 1st, 2010 at 12:16 pm

    The news media eat up those NAR reports.


    Surely you have contacts at the big media to whom you can pass along this report with the hope that someone does the right thing.


    http://blog.mdwoptions.com/options_for_rookies/








  • Expat Says:



    September 1st, 2010 at 12:21 pm

    There is no one thing to blame for all this. The NAR is not the cause of the bubble. Wall Street is the proximate facilitator but not really the cause. Washington was a complicit beneficiary but not the cause. Assholes who bought homes that cost more than three times their income are victims and perpetrators but not truly guilty of anything but stupidity and gullibility. Lereah, Yun, and the NAR are in the unfortunate position of being mouthpieces for this mass hysteria so they are singled out.


    But in reality, Lereah is no worse than any US president or member of congress when it comes to huge, important lies. What about the pope or any priest with a pulpit? The hellfire and brimstone, homophobic racists on the Bible Belt circuit? Imams calling for jihad. Etc.


    Personally, I think the NAR is guilty of high crimes and treason against the US, having done more damage to our country than any blind or diabetic islamic terrorist. And what do we try to do to islamic terrorists? And what should we do to all members of the NAR? Anyone? Anyone? Bueller?








  • How the Common Man Sees It Says:



    September 1st, 2010 at 1:03 pm

    What do they expect when they are always selling houses as investments and not places to live? In the investing world RE is the equivalent of the summer resort if we are talking timing. What I’m saying is that the owners of a summer resort know their product is only marketable a few months out of the year and that is what they target for.


    Do you think the folks in the RE industry and/or the NAR want to be telling folks their ‘investment dream’ is only a great deal a few years out of many in the investment cycle? NO! That would put them out of business for years until the crowds came back every cyclical summer


    That’s not gonna happen








  • d4winds Says:



    September 1st, 2010 at 1:31 pm

    Red pill HGTV sounds like a fabulous idea–to replace that NAR of the “financial” TV, CNBC.








  • Julia Chestnut Says:



    September 1st, 2010 at 3:04 pm

    The NAR are liars, and they aren’t even very good at it. Lawrence Yun is a laughing stock. The people who need to be strung up are the corporate media outlets that just take the press releases full of whoppers along the lines of “cotton candy cures cancer!!!!!!!!” and reprinting it along side what passes for “news.”


    Industry shills are industry shills and always have been. What has changed is any semblance of concern for truthful and accurate reporting of statistics, facts, and trends. Statistics, facts, and trends are considered so malleable these days, no one worries about what conflicts of interests the spinners may have – they just care how little they have to rewrite it from the NAR’s website before press/broadcast time.


    Despicable.








  • TomL Says:



    September 1st, 2010 at 4:35 pm

    Why is that *every* article written by or quoting a real estate professional includes the refrain “It’s never been a better time to buy.” ?


    Reminds me of the warning how do you know a politician is lying…








  • loganagent Says:



    September 1st, 2010 at 6:55 pm

    It’s so true I recently had an experience where the local newspaper quoted me, after I said that our local market was going to decline, in my blog: http://loganrealestate.blogspot.com/2010/02/number-of-logan-homes-for-sale.html The local Board President came to me and told me not to speak with the media anymore. He said those in leadership had special “training” in how to handle media.


    The ironic thing is that my market falling predictions came true. But we don’t want the public to know the truth do we.








  • philipat Says:



    September 1st, 2010 at 8:37 pm

    The “Blue Pill” being Viagra. Or, in other words the NAR is saying “Up yours”?!!


    Very appropriate!








  • IrvineRenter Says:



    September 1st, 2010 at 9:30 pm

    I have beaten up on RE agents a couple times over the last year:


    http://www.irvinehousingblog.com/blog/comments/realtors-treated-as-lackeys-and-maids-grovel-for-6/


    and


    http://www.irvinehousingblog.com/blog/comments/urgency-versus-reality-realtors-win-buyers-lose-14-jackson-irvine/


    I totally agree with your assessment of the foolish way they operate. In fact, the growth of my side business as a broker is largely due to the fact that I refuse to spin BS the way they do.


    BTW, thank you for the link yesterday. I greatly appreciate it, and I am flattered that you stop by and read my blog.








  • canoles Says:



    September 2nd, 2010 at 8:36 am

    “In other words, mislead the public with spin. Create false hope. Lie.” – Sir, that is NAR’s job as a trade association. Please name one trade association that does not do this.


    What's not to like about the Summer of Recovery? Like, dude, the recession ended eons ago.

    By an 8 point margin, independents who voted for Obama oppose his tax hikes


    The [Center for Data Analysis] found that the Obama tax hikes would:

    • Destroy an average of 693,000 jobs every year through 2020.

    • Drain $726 billion from disposable income, $38 billion from personal savings, and $33 billion from business investments.

    • Raise taxes on the 55% of all joint filers earning more than $250,000 who run small businesses that employ others.

    • Cost the average non-farm small-business owner $3,500 more in taxes.

    • Cost the 49% of all seniors with income below $250,000 $525 in additional dividend taxes.

    • Cost the 25% all seniors with income below $250,000 $742 in higher taxes.

    Now that's the kind of change you can feel in your nether regions!

    Certainly, America's business leaders are feeling more comfortable with the Obama administration as...

    Insider Selling Outpaces Buying By Over 290-To-1 In Past Week


    ...for the week ended September 17, corporate insiders bought $1.4MM in shares in a whopping 7 different companies. This was just marginally offset by sales of $441MM in 98 different companies, a ratio of 290 to 1 of stock notional sold to bought. But wait: this is GREAT NEWS: last week the ratio was 650 to 1! So this is a huge improvement and certainly yet another reason for today's rally... for those wondering just who is orchestrating today's move higher, please let us know if you find out.

    And last but not least:

    It would appear that certain foreclosures by major, major institutions may have been fraudulent... and, thus, invalid, which could really, really screw things up


    Ally Financial Inc.’s GMAC Mortgage unit told brokers and agents to halt evictions tied to foreclosures on homeowners in 23 states including Florida, Connecticut and New York...

    ...At least one (and perhaps more) "inside officers" in various law firms filed thousands (and maybe tens of thousands) of affidavits they did not read and thus could not have attested to.

    ...This practice appears to not be limited to one law firm. In fact, it may be basically the entire "foreclosure industry" that was involved in this.

    ...This is likely to derail many foreclosures - at least from a standpoint of time. It may also void some of them and force them to be re-litigated. This will have a SEVERE impact on loss severities - at minimum....

    ...If the time has passed to be able to make reasonable corrections to these so-called "ministerial errors" (and it probably has) then the impact on MBS holders who happen to have the "hot potato" in non-agency securitizations could be catastrophic...

    In plain English, some reports indicate that thousands of foreclosures could have been performed without the appropriate documentation. Which could make them, ehm, invalid.

    Which would make some of the investment vehicles derived thereof (like mortgage-backed securities or MBS), ehm, difficult to value.

    SELL!!!!!!!!!



    Official Google Blog: Google <b>News</b> turns eight

    Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

    Rumour: Project Milo cancelled Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

    Read our Xbox 360 news of Rumour: Project Milo cancelled.

    Pentax announces price and availibilty for 645D camera: Digital <b>...</b>

    Pentax announces price and availibilty for 645D camera: Photokina 2010: Pentax has announced its 645D medium format digital camera will start shipping globally from December 2010. The camera will sell at a retail price of $9999.99 for ...


    robert shumake

    Official Google Blog: Google <b>News</b> turns eight

    Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

    Rumour: Project Milo cancelled Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

    Read our Xbox 360 news of Rumour: Project Milo cancelled.

    Pentax announces price and availibilty for 645D camera: Digital <b>...</b>

    Pentax announces price and availibilty for 645D camera: Photokina 2010: Pentax has announced its 645D medium format digital camera will start shipping globally from December 2010. The camera will sell at a retail price of $9999.99 for ...



    BR: Funny you say that — I referred to the NAR chief economist as Baghdad Bob in one of the “previously” links mentioned: Former NAR Economist David Lereah is a Jackass (January 6th, 2009)








  • Soylent Green Is People Says:



    September 1st, 2010 at 11:11 am

    If your stocked up on Insulin, try the ever sugary http://www.positiveonrealestate.com/ for your daily firehosing of rich, delicious Kool-Aid. You thought the NAR was hyper sunny. They’re simpletons compared to whomever runs this site.


    You’ve been warned….


    My .02c


    Soylent Green Is People.








  • Soylent Green Is People Says:



    September 1st, 2010 at 11:13 am

    If you’re fully stocked with Insulin, try http://www.positiveonrealestate.com/ for a daily firehosing of rich, delicious Real Estate Kool-Aid. You think the NAR is hyper sunny? They’re simpletons compared to the people who run this site.


    You’ve been fairly warned.


    Soylent Green Is People.








  • ACS Says:



    September 1st, 2010 at 11:32 am

    How long before we reach Sanford’s step 12?








  • gavingunhold Says:



    September 1st, 2010 at 11:45 am

    I used to work at NAR. And I once time forwarded a blog post by Barry Ritholtz to Lawrence Yun, kind of just as a heads up. Lawrence was none too pleased. Heh.








  • JustinTheSkeptic Says:



    September 1st, 2010 at 11:49 am

    BR, you can continue with the “Bank Spin, Auto Company Spin, etc.” Take your pick….








  • rktbrkr Says:



    September 1st, 2010 at 11:53 am

    Take your pick…

    “The manufacturing sector has maintained its momentum at least through August,” said Zach Pandl, an economist at Nomura Securities International Inc. in New York. The report “makes clear the economy is not slipping into recession any time but it’s still reasonable to be concerned about where we’re heading over the next three to six months.”


    General Motors Co.’s sales fell 25 percent last month and trailed analysts’ estimates, as the U.S. auto industry headed for its worst August in 28 years.


    GM said deliveries fell to 185,176 from 246,479 last August, when the U.S. government’s “cash for clunkers” incentive program boosted sales.








  • Soylent Green Is People Says:



    September 1st, 2010 at 11:56 am

    Regrets for the double post. The first one did not show so I rewrote it again. I confess to my foolishness.








  • machinehead Says:



    September 1st, 2010 at 12:02 pm

    Since the time I bought my first house, the cry of the Realtor(TM) has been, ‘Buy now, before prices go up!’


    They are Permabulls, like many Wall Street brokers — not to be taken seriously. Pay them for transacting, not for their stuck-clock market predictions.


    And — until proven otherwise — don’t regard them as professionals. That’s what the idiot NAR has accomplished — to deprofessionalize the image of a group which includes some very dedicated people. It took the NAR decades of hard work to break into the circus-clown limelight. Take a bow, bozos!








  • lalaland Says:



    September 1st, 2010 at 12:07 pm

    I doubt it’s the NAR’s fault that people expect their homes to appreciate 10% a year. Nobody really pays attention to them outside the statistics junkies I would wager. I blame exactly the kind of stupidity that has proven to be rampant across all sectors of the economy. Oh, and, you know – unrelated – it’s time to go watch Dick Fuld.








  • Mark Wolfinger Says:



    September 1st, 2010 at 12:16 pm

    The news media eat up those NAR reports.


    Surely you have contacts at the big media to whom you can pass along this report with the hope that someone does the right thing.


    http://blog.mdwoptions.com/options_for_rookies/








  • Expat Says:



    September 1st, 2010 at 12:21 pm

    There is no one thing to blame for all this. The NAR is not the cause of the bubble. Wall Street is the proximate facilitator but not really the cause. Washington was a complicit beneficiary but not the cause. Assholes who bought homes that cost more than three times their income are victims and perpetrators but not truly guilty of anything but stupidity and gullibility. Lereah, Yun, and the NAR are in the unfortunate position of being mouthpieces for this mass hysteria so they are singled out.


    But in reality, Lereah is no worse than any US president or member of congress when it comes to huge, important lies. What about the pope or any priest with a pulpit? The hellfire and brimstone, homophobic racists on the Bible Belt circuit? Imams calling for jihad. Etc.


    Personally, I think the NAR is guilty of high crimes and treason against the US, having done more damage to our country than any blind or diabetic islamic terrorist. And what do we try to do to islamic terrorists? And what should we do to all members of the NAR? Anyone? Anyone? Bueller?








  • How the Common Man Sees It Says:



    September 1st, 2010 at 1:03 pm

    What do they expect when they are always selling houses as investments and not places to live? In the investing world RE is the equivalent of the summer resort if we are talking timing. What I’m saying is that the owners of a summer resort know their product is only marketable a few months out of the year and that is what they target for.


    Do you think the folks in the RE industry and/or the NAR want to be telling folks their ‘investment dream’ is only a great deal a few years out of many in the investment cycle? NO! That would put them out of business for years until the crowds came back every cyclical summer


    That’s not gonna happen








  • d4winds Says:



    September 1st, 2010 at 1:31 pm

    Red pill HGTV sounds like a fabulous idea–to replace that NAR of the “financial” TV, CNBC.








  • Julia Chestnut Says:



    September 1st, 2010 at 3:04 pm

    The NAR are liars, and they aren’t even very good at it. Lawrence Yun is a laughing stock. The people who need to be strung up are the corporate media outlets that just take the press releases full of whoppers along the lines of “cotton candy cures cancer!!!!!!!!” and reprinting it along side what passes for “news.”


    Industry shills are industry shills and always have been. What has changed is any semblance of concern for truthful and accurate reporting of statistics, facts, and trends. Statistics, facts, and trends are considered so malleable these days, no one worries about what conflicts of interests the spinners may have – they just care how little they have to rewrite it from the NAR’s website before press/broadcast time.


    Despicable.








  • TomL Says:



    September 1st, 2010 at 4:35 pm

    Why is that *every* article written by or quoting a real estate professional includes the refrain “It’s never been a better time to buy.” ?


    Reminds me of the warning how do you know a politician is lying…








  • loganagent Says:



    September 1st, 2010 at 6:55 pm

    It’s so true I recently had an experience where the local newspaper quoted me, after I said that our local market was going to decline, in my blog: http://loganrealestate.blogspot.com/2010/02/number-of-logan-homes-for-sale.html The local Board President came to me and told me not to speak with the media anymore. He said those in leadership had special “training” in how to handle media.


    The ironic thing is that my market falling predictions came true. But we don’t want the public to know the truth do we.








  • philipat Says:



    September 1st, 2010 at 8:37 pm

    The “Blue Pill” being Viagra. Or, in other words the NAR is saying “Up yours”?!!


    Very appropriate!








  • IrvineRenter Says:



    September 1st, 2010 at 9:30 pm

    I have beaten up on RE agents a couple times over the last year:


    http://www.irvinehousingblog.com/blog/comments/realtors-treated-as-lackeys-and-maids-grovel-for-6/


    and


    http://www.irvinehousingblog.com/blog/comments/urgency-versus-reality-realtors-win-buyers-lose-14-jackson-irvine/


    I totally agree with your assessment of the foolish way they operate. In fact, the growth of my side business as a broker is largely due to the fact that I refuse to spin BS the way they do.


    BTW, thank you for the link yesterday. I greatly appreciate it, and I am flattered that you stop by and read my blog.








  • canoles Says:



    September 2nd, 2010 at 8:36 am

    “In other words, mislead the public with spin. Create false hope. Lie.” – Sir, that is NAR’s job as a trade association. Please name one trade association that does not do this.


    What's not to like about the Summer of Recovery? Like, dude, the recession ended eons ago.

    By an 8 point margin, independents who voted for Obama oppose his tax hikes


    The [Center for Data Analysis] found that the Obama tax hikes would:

    • Destroy an average of 693,000 jobs every year through 2020.

    • Drain $726 billion from disposable income, $38 billion from personal savings, and $33 billion from business investments.

    • Raise taxes on the 55% of all joint filers earning more than $250,000 who run small businesses that employ others.

    • Cost the average non-farm small-business owner $3,500 more in taxes.

    • Cost the 49% of all seniors with income below $250,000 $525 in additional dividend taxes.

    • Cost the 25% all seniors with income below $250,000 $742 in higher taxes.

    Now that's the kind of change you can feel in your nether regions!

    Certainly, America's business leaders are feeling more comfortable with the Obama administration as...

    Insider Selling Outpaces Buying By Over 290-To-1 In Past Week


    ...for the week ended September 17, corporate insiders bought $1.4MM in shares in a whopping 7 different companies. This was just marginally offset by sales of $441MM in 98 different companies, a ratio of 290 to 1 of stock notional sold to bought. But wait: this is GREAT NEWS: last week the ratio was 650 to 1! So this is a huge improvement and certainly yet another reason for today's rally... for those wondering just who is orchestrating today's move higher, please let us know if you find out.

    And last but not least:

    It would appear that certain foreclosures by major, major institutions may have been fraudulent... and, thus, invalid, which could really, really screw things up


    Ally Financial Inc.’s GMAC Mortgage unit told brokers and agents to halt evictions tied to foreclosures on homeowners in 23 states including Florida, Connecticut and New York...

    ...At least one (and perhaps more) "inside officers" in various law firms filed thousands (and maybe tens of thousands) of affidavits they did not read and thus could not have attested to.

    ...This practice appears to not be limited to one law firm. In fact, it may be basically the entire "foreclosure industry" that was involved in this.

    ...This is likely to derail many foreclosures - at least from a standpoint of time. It may also void some of them and force them to be re-litigated. This will have a SEVERE impact on loss severities - at minimum....

    ...If the time has passed to be able to make reasonable corrections to these so-called "ministerial errors" (and it probably has) then the impact on MBS holders who happen to have the "hot potato" in non-agency securitizations could be catastrophic...

    In plain English, some reports indicate that thousands of foreclosures could have been performed without the appropriate documentation. Which could make them, ehm, invalid.

    Which would make some of the investment vehicles derived thereof (like mortgage-backed securities or MBS), ehm, difficult to value.

    SELL!!!!!!!!!




    Irvine Realty Condos Foreclosures For Sale by MerrillLawrence783


    robert shumake

    Official Google Blog: Google <b>News</b> turns eight

    Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

    Rumour: Project Milo cancelled Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

    Read our Xbox 360 news of Rumour: Project Milo cancelled.

    Pentax announces price and availibilty for 645D camera: Digital <b>...</b>

    Pentax announces price and availibilty for 645D camera: Photokina 2010: Pentax has announced its 645D medium format digital camera will start shipping globally from December 2010. The camera will sell at a retail price of $9999.99 for ...


    robert shumake

    Official Google Blog: Google <b>News</b> turns eight

    Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

    Rumour: Project Milo cancelled Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

    Read our Xbox 360 news of Rumour: Project Milo cancelled.

    Pentax announces price and availibilty for 645D camera: Digital <b>...</b>

    Pentax announces price and availibilty for 645D camera: Photokina 2010: Pentax has announced its 645D medium format digital camera will start shipping globally from December 2010. The camera will sell at a retail price of $9999.99 for ...

















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