Monday, February 21, 2011

budgeting personal finances





photo: sea turtle


One aspect of homeownership that new and soon-to-be homeowners often ignore is the recurring and possibly steep cost of keeping that home in good shape.


According to a report by the University of Illinois Extension, homeowners need to budget 1% to 2% of the purchase price of their home, each year, to cover the costs of home maintenance and repairs. That’s $3,000 to $6,000 a year on a $300,000 home, and if it’s older or has appliances that will soon need to be replaced, you may need to set aside as much as twice that amount.


When it comes to the fine line between routine home maintenance costs and those that send you into a personal financial nightmare, the tipping point is your level of vigilance.


Here are some of the most common home maintenance issues and how you can keep a small problem from evolving into a hefty burden.


Water Drainage/Damage


While water damage is unavoidable if the foundation of your house is cracked, much of it is preventable. All you need to do is respond appropriately in weather conditions that are known to cause damage.


If you live in a cold climate, stay on top of the snowfall.  David West, who owns Meadowview Construction, a remodeling and home renovations company in Georgetown, Mass., advises that homeowners clear the bottom few feet of snow from the roof, using a snow rake, as soon as possible after snowfall to prevent ice dams. These dams result in water creeping under the shingles, and eventually, leaking into your house. You’ll know them by that mysterious little drip on the ceiling or down around the window frames. On the surface, it may seem like a little burden that can be solved with the occasional bucket, but don’t be fooled. “It will cause some pretty serious water damage to the insulation and drywall,” says West.


Rain can also cause major issues that are avoidable. Kevin Leahy, the founder of a removable downspout system called “The Spout Off,” warns that non-working gutters aren’t just pointless, they’re harmful.


When rain is in the forecast, make certain that the gutter’s outlet (the hole in the gutter where the water flows out to the downspout) is clear of blockage. Failure to keep gutters working creates big costs like rotted boards, windowsills and water leaking into the foundation and basement.


Heating/Cooling Issues


The National Association of Homebuilders (NAHB) reports that the most you can hope for out of a heating, ventilation and air conditioning (HVAC) system is 25 years. Furnaces and air conditioning units generally sputter at the 15-year mark. But they’ll hardly last even that long without proper maintenance.


West advises that gas/oil boilers and furnaces be cleaned and maintained each year. This service will cost you about $200, but is the “single most important thing you can do to ensure long life and efficiency” of these systems. At the time of service, you can also ask the technician to leave a copy of your system’s efficiency rating. Armed with this knowledge, you can anticipate how much “life” is left in your furnace and plan your future home finances accordingly.


Sometimes, the most minor of tasks can help to save a bundle. Ian Patrick, of Los Angeles-based design firm Ian Patrick Interiors, says that many of his clients fail to do the most basic (and cheapest) maintenance of all: changing the filters in their HVAC units. These can be bought at any hardware store for a few dollars, and pay for themselves almost instantly in utility bill savings. “A dirty filter makes the unit work harder, so changing it is a very affordable way to make it run better and longer and saves you a service call,” advises Patrick. 


If you have and use a fireplace, maintenance is also essential. You may be tempted to cut back on expenses by skipping yearly chimney maintenance. Preventative flue cleaning will generally cost $100 to $200.  Ignoring this necessary maintenance could result in the need to reline the flue completely, costing you $3,500. Get the point?


Roof Damage


Conditions like heavy snow, heavy rain and high winds, can severely impact roof quality. The material of the roof is also a determinant. An asphalt shingle roof will last about 20 years. Slate, copper and concrete roofs can last about 50 years.


You could also unknowingly be causing roof damage. Gordon Smith, owner of home inspection, remodeling and contracting company HomeSmith LLC, warns that walking on the roof to install holiday decorations or to clean gutters could crack roof materials, creating leaks. Replacing damaged shingles can cost as much as $4 per square foot.


Smith also cautions against using attics for storage, which can cause the roof to sag, or collapse the ceiling. It could “potentially cost hundreds to thousands of dollars in structural repairs, not to mention repairing or replacing anything that was under the ceiling when it came down,” he says.


Windows


While wooden windows last about ten years longer than their less costly aluminum counterparts, they require monitoring, and can be very costly to replace. (Expect to pay anywhere from $500 to $1,000 or more, depending the age and size of the window frame). 


Windows that are not shaded by a porch, tree or a bush really take a beating, especially in desert regions. This can result in water damage, rot, and even heat loss.  “Combined with moisture, the wood expands and contracts with such frequency that it can compromise the stability of the entire unit,” says Patrick. Check regularly for peeling paint, cracks and chips in glazing, and have them repaired immediately to avoid a heftier bill down the road.








photo: sea turtle


One aspect of homeownership that new and soon-to-be homeowners often ignore is the recurring and possibly steep cost of keeping that home in good shape.


According to a report by the University of Illinois Extension, homeowners need to budget 1% to 2% of the purchase price of their home, each year, to cover the costs of home maintenance and repairs. That’s $3,000 to $6,000 a year on a $300,000 home, and if it’s older or has appliances that will soon need to be replaced, you may need to set aside as much as twice that amount.


When it comes to the fine line between routine home maintenance costs and those that send you into a personal financial nightmare, the tipping point is your level of vigilance.


Here are some of the most common home maintenance issues and how you can keep a small problem from evolving into a hefty burden.


Water Drainage/Damage


While water damage is unavoidable if the foundation of your house is cracked, much of it is preventable. All you need to do is respond appropriately in weather conditions that are known to cause damage.


If you live in a cold climate, stay on top of the snowfall.  David West, who owns Meadowview Construction, a remodeling and home renovations company in Georgetown, Mass., advises that homeowners clear the bottom few feet of snow from the roof, using a snow rake, as soon as possible after snowfall to prevent ice dams. These dams result in water creeping under the shingles, and eventually, leaking into your house. You’ll know them by that mysterious little drip on the ceiling or down around the window frames. On the surface, it may seem like a little burden that can be solved with the occasional bucket, but don’t be fooled. “It will cause some pretty serious water damage to the insulation and drywall,” says West.


Rain can also cause major issues that are avoidable. Kevin Leahy, the founder of a removable downspout system called “The Spout Off,” warns that non-working gutters aren’t just pointless, they’re harmful.


When rain is in the forecast, make certain that the gutter’s outlet (the hole in the gutter where the water flows out to the downspout) is clear of blockage. Failure to keep gutters working creates big costs like rotted boards, windowsills and water leaking into the foundation and basement.


Heating/Cooling Issues


The National Association of Homebuilders (NAHB) reports that the most you can hope for out of a heating, ventilation and air conditioning (HVAC) system is 25 years. Furnaces and air conditioning units generally sputter at the 15-year mark. But they’ll hardly last even that long without proper maintenance.


West advises that gas/oil boilers and furnaces be cleaned and maintained each year. This service will cost you about $200, but is the “single most important thing you can do to ensure long life and efficiency” of these systems. At the time of service, you can also ask the technician to leave a copy of your system’s efficiency rating. Armed with this knowledge, you can anticipate how much “life” is left in your furnace and plan your future home finances accordingly.


Sometimes, the most minor of tasks can help to save a bundle. Ian Patrick, of Los Angeles-based design firm Ian Patrick Interiors, says that many of his clients fail to do the most basic (and cheapest) maintenance of all: changing the filters in their HVAC units. These can be bought at any hardware store for a few dollars, and pay for themselves almost instantly in utility bill savings. “A dirty filter makes the unit work harder, so changing it is a very affordable way to make it run better and longer and saves you a service call,” advises Patrick. 


If you have and use a fireplace, maintenance is also essential. You may be tempted to cut back on expenses by skipping yearly chimney maintenance. Preventative flue cleaning will generally cost $100 to $200.  Ignoring this necessary maintenance could result in the need to reline the flue completely, costing you $3,500. Get the point?


Roof Damage


Conditions like heavy snow, heavy rain and high winds, can severely impact roof quality. The material of the roof is also a determinant. An asphalt shingle roof will last about 20 years. Slate, copper and concrete roofs can last about 50 years.


You could also unknowingly be causing roof damage. Gordon Smith, owner of home inspection, remodeling and contracting company HomeSmith LLC, warns that walking on the roof to install holiday decorations or to clean gutters could crack roof materials, creating leaks. Replacing damaged shingles can cost as much as $4 per square foot.


Smith also cautions against using attics for storage, which can cause the roof to sag, or collapse the ceiling. It could “potentially cost hundreds to thousands of dollars in structural repairs, not to mention repairing or replacing anything that was under the ceiling when it came down,” he says.


Windows


While wooden windows last about ten years longer than their less costly aluminum counterparts, they require monitoring, and can be very costly to replace. (Expect to pay anywhere from $500 to $1,000 or more, depending the age and size of the window frame). 


Windows that are not shaded by a porch, tree or a bush really take a beating, especially in desert regions. This can result in water damage, rot, and even heat loss.  “Combined with moisture, the wood expands and contracts with such frequency that it can compromise the stability of the entire unit,” says Patrick. Check regularly for peeling paint, cracks and chips in glazing, and have them repaired immediately to avoid a heftier bill down the road.





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Thursday, February 17, 2011

Who's Making Money


After Texas Senator Kay Bailey Hutchison announced her retirement after she was declared a top target of Tea Party activists, the race for the Republican nomination became even more crowded and contentious. Texas Railroad Commissioner Michael Williams immediately became a Tea Party sensation and last week resigned from the Railroad Commission in order to be a full-time candidate.


The American Spectator today features a glowing profile of Williams, saying that “something about him says ‘Don’t mess with Texas.’”


Williams even won the endorsement of Tea Party leader Sen. Jim DeMint, who’s Senate Conservatives Fund lifted a number of far-right candidates like Sharron Angle and Christine O’Donnell to victory in GOP primary contests.


But Williams first garnered the support of the Party’s far-right when he unsuccessfully tried to block scholarships for minority students when he worked at the Department of Education under President George H. W. Bush. The New York Times reported in 1990 that Williams caused uproar when he tried to prohibit “colleges and universities that receive Federal funds from offering scholarships designated for minority students.”


Michael L. Williams, the Education Department's Assistant Secretary for Civil Rights, said yesterday that "race-exclusive" scholarships, or those based on ethnic origin, were discriminatory and therefore illegal.


College administrators and scholarship fund directors reacted with alarm, saying the decision could reverse decades of efforts to increase the enrollment of members of racial and ethnic minorities who have been historically underrepresented in colleges.


"We were shocked by this decision," said Richard F. Rosser, president of the National Association of Independent Colleges and Universities, which represents 815 institutions. "We have been making enormous efforts to increase the numbers of minority students in our colleges and universities, and this has necessarily required a great deal of financial aid."


Neither Rosser nor anyone else contacted yesterday could say how many institutions, or what percentage of total financial aid to minority students, might be affected by the new enforcement policy. But the practice of setting aside money to attract qualified minority students and make college more affordable for them has been widespread for at least 20 years.


Ultimately, then-Secretary Lamar Alexander (now a Republican Senator from Tennessee) stopped Williams from implementing his policy, including his attempt to block the Fiesta Bowl from setting “aside $100,000 for a fund for minority scholarships.” As Williams happily notes in his campaign’s biography, he succeeded Clarence Thomas in his position at the Education Department.


In a Republican primary in Texas where each candidate has to demonstrate their right-wing credentials, Williams may try to use this case to his advantage.



The other day I reported on a Hollywood Reporter story about how Uwe Boll is filing a lawsuit against the Berlin Film Festival over the matter of the fest's differing requirements when it comes to the 125 euro ($170) entrance fee. The man himself then shot me off an email to clarify that his lawsuit is about more than him and a petty sum of money.


Here's what Boll had to say (I cleaned up his English a little):


"If you read the guidlines to the festival it is clearly stated that everybody must pay the 125 euro or you cannot run in the festival. So what the festival says is in fact untrue. Because the (fest) director (Dieter) Kosslick waived the entry fee for a lot of movies he breached the rules and I and thousands of other filmmakers have the right to get their 125 euros back. We are talking millions of dollars."


Basically, he's fighting not just for himself. He's fighting for every filmmaker that has ever had to pay the entrance fee and believes every last one of them should be issued a refund because the Berlin Film Festival's entire financial set-up is corrupt.


Boll then forwarded me a German article that details the lawsuit from his perspective better clarifying what exactly this is all about. Here's the link to the full length article. I think these selected paragraphs pretty much get to the heart of the matter.


"Now he raises new, serious allegations against the head of the Berlinale. “I raise this criminal complaint representatively for all the umpteen thousand candidates who pay the 125€ film admission fee from their pockets and think they’d have a fair chance - but in reality do not”, says Boll to “Welt Online”. “The whole pay system is just there to rob the small directors so that the Berlinale can cover its expenses.”


"He’s also meaning the trips abroad of the festival chief and his employees on which they watch films, which they consider interesting for the Berlinale. By his own statement Kosslick won the US western “True Grit” of director brothers Joel and Ethan Coen, which got nominated for 10 Oscars, for the Berlinale on one of these travels abroad. Boll: “A film, which I could have gotten for the Berlinale with an email, because it is showed in US cinemas for two months now and badly needs publicity in Germany! You don’t have to travel for something like that!”


But Boll is also talking about other trips. Kosslick is said to have told “Focus” about a visit of actress Cate Blanchett: “We know each other quite well now and became friends, I’ve even visited her and her family last year in Australia!” Boll to that: “So, guess who’s paid for that? Hopefully not the tax payer.”


Boll is sure that this way Dieter Kosslick is on up to 20 trips per year. “Of course always with the justification of having to screen films and meet people. If he was seeing the films which got handed in for the fee of 125€, he would not have to be out making sure the world is round indeed”, says Boll."


Expect to hear more about this lawsuit in the weeks to come.


- The Foywonder


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Tuesday, February 15, 2011

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Friday, February 11, 2011

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Attendees at PFP Conference by Julia Delligatti


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autosport.com - F1 <b>News</b>: Kubica vows to return this season

Robert Kubica is convinced he will return to the Formula 1 track a better driver once he has recovered for the injuries he picked up in last weekend's rally crash, as he insisted he 'must' get back this year.

Brad Friedman and Desi Doyen: Green <b>News</b> Report: February 10, 2011 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): Palm oil giant to halt Indonesia deforestation; Georgia forests worth more than $37 billion annually; Search for wind-related grid problems finds a bigger concern; IBM hunting for lithium-air car ...

An octet of science <b>news</b>

Perfect Perfume - a video for Valentine's Day - A bit of fun for Valentine's Day as the team combinesto ...


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autosport.com - F1 <b>News</b>: Kubica vows to return this season

Robert Kubica is convinced he will return to the Formula 1 track a better driver once he has recovered for the injuries he picked up in last weekend's rally crash, as he insisted he 'must' get back this year.

Brad Friedman and Desi Doyen: Green <b>News</b> Report: February 10, 2011 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): Palm oil giant to halt Indonesia deforestation; Georgia forests worth more than $37 billion annually; Search for wind-related grid problems finds a bigger concern; IBM hunting for lithium-air car ...

An octet of science <b>news</b>

Perfect Perfume - a video for Valentine's Day - A bit of fun for Valentine's Day as the team combinesto ...


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autosport.com - F1 <b>News</b>: Kubica vows to return this season

Robert Kubica is convinced he will return to the Formula 1 track a better driver once he has recovered for the injuries he picked up in last weekend's rally crash, as he insisted he 'must' get back this year.

Brad Friedman and Desi Doyen: Green <b>News</b> Report: February 10, 2011 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): Palm oil giant to halt Indonesia deforestation; Georgia forests worth more than $37 billion annually; Search for wind-related grid problems finds a bigger concern; IBM hunting for lithium-air car ...

An octet of science <b>news</b>

Perfect Perfume - a video for Valentine's Day - A bit of fun for Valentine's Day as the team combinesto ...


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Attendees at PFP Conference by Julia Delligatti


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autosport.com - F1 <b>News</b>: Kubica vows to return this season

Robert Kubica is convinced he will return to the Formula 1 track a better driver once he has recovered for the injuries he picked up in last weekend's rally crash, as he insisted he 'must' get back this year.

Brad Friedman and Desi Doyen: Green <b>News</b> Report: February 10, 2011 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): Palm oil giant to halt Indonesia deforestation; Georgia forests worth more than $37 billion annually; Search for wind-related grid problems finds a bigger concern; IBM hunting for lithium-air car ...

An octet of science <b>news</b>

Perfect Perfume - a video for Valentine's Day - A bit of fun for Valentine's Day as the team combinesto ...


bench craft company

If you're reading this article, you have more of an interest in taking control of your financial situation than most. In reality, many people don't actively seek out information about how to effectively manage their money or even maintain the family budget. Instead, you'll see a lot of people rely on tips from a broker, friend, or brother who may not have put any research into their own decisions themselves. When it comes to something as important as their own financial well-being, people for some reason seem remarkably disinterested in becoming educated in things like how to properly save for college, what to do to secure a comfortable retirement, or even how to manage the monthly bills.

But you are reading this article which means you are interested. In that case, let's take a look at some of the best resources out there for financial education and money management.

If you're saving for college, go to www.savingforcollege.com - There are many options out there for saving for Junior's college bills. This is a great site for learning not only about 529s and Coverdell Education Savings Accounts (a lesser known option in addition to the 529) but also for help in figuring out how much you should save, applying for financial aid, tax consequences, and getting in contact with a financial professional.

If you're saving for retirement, go to www.401k.com - This site, run by Fidelity (who happens to be one of the retirement plan powerhouses), is the best place to get all the basics. The planning calculators available are particularly enticing as they cover everything from saving to budgeting to the growth of your money. Plus, if you're ready to invest, Fidelity is more than happy to help.

If you're learning about investments, go to www.morningstar.com - If you're a beginner, mutual funds are probably your best bet for dipping your toe in the water and Morningstar is the recognized industry leader in fund analysis. This site has the potential to be a bit overwhelming with the abundance of information available so you may want to stick with the basics before diving in. The Personal Finance section may be the ideal starting point.

If you're learning about the stock market, go to finance.yahoo.com - This site is my personal favorite and I keep it open during the day while at work. It's a great place for learning about and following the stock market and provides regular contributions from a number of financial experts.

If you're managing credit card debt, go to www.annualcreditreport.com - If you can get past the infomercials and catchy jingles, there's only one website that is authorized to provide you a free annual copy of your credit report and that's this one (the others usually require a subscription to a credit monitoring service which costs money). Everybody should have a copy of their credit report in hand to protect against unauthorized activity in your name and potential identity theft. There's probably no better free money saving idea out there than this.

There are a lot of great resources today to guide you in the journey towards financial independence. The biggest challenge is taking that first step. Financial literacy is an ongoing effort that few people ever really master but taking the time to learn will keep you several steps ahead of the pack.


Wednesday, February 9, 2011

Making Money on Internet


According to a BusinessInsider interview, Gogo in-flight wireless is doing well and just raised another $35 million in capital to keep the lights on and the in-flight Wi-Fi flowing. Aircell, Gogo’s parent company, says that the service served 3 million sessions between Thanksgiving and New Year’s. Google offered free Gogo on all flights during this period.


In-flight Internet is, in a word, great. However, I worry that it is severely hampering my movie watching time these days as I’m encouraged to write and work during flights as opposed to read magazines and watch movie’s I wouldn’t normally watch with the lady wife like The Box and Pootie Tang. Gogo is available on American, United, Delta, Virgin America, and Air Canada and airlines love it, as Dan Frommer points out, “because it’s a way to distract passengers and generate revenue at the same time — unlike installing TV sets and on-demand movies, which costs money.”


Home typing jobs – a real way to make money from home by dina anderson get paid daily, typing at home no experience “ad companies all over the world currently have over plant propagation techniques that work great at home ” learn how to make money. Make great money working at home with my data team truth parlor get rich scheme this is a legitimate company page 1 my data team come join the team learn how to make money online typing of going to work that’s what i do to make great money. Learn how to make great money typing ads for companies an online ad saying, make $1,000 per day typing at home typing online there are plenty of companies of and ad read more how to start a typing service and make money. Xpress jobs around bangalore – oodle.com he s worked with companies like aol and clicks on one of those ads, you make money keep and i figured if i could make money from something i was already doing, how great would.







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GAME selling XBLA games and DLC Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of GAME selling XBLA games and DLC.

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma to make lenses for NEX and Micro Four Thirds: Digital <b>...</b>

Sigma to make lenses for NEX and Micro Four Thirds: CP+ 2011: Sigma has announced that it intends to make lenses for Micro Four Thirds and Sony E-mount (NEX) system cameras. In a brief statement on its website the company says that ...


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According to a BusinessInsider interview, Gogo in-flight wireless is doing well and just raised another $35 million in capital to keep the lights on and the in-flight Wi-Fi flowing. Aircell, Gogo’s parent company, says that the service served 3 million sessions between Thanksgiving and New Year’s. Google offered free Gogo on all flights during this period.


In-flight Internet is, in a word, great. However, I worry that it is severely hampering my movie watching time these days as I’m encouraged to write and work during flights as opposed to read magazines and watch movie’s I wouldn’t normally watch with the lady wife like The Box and Pootie Tang. Gogo is available on American, United, Delta, Virgin America, and Air Canada and airlines love it, as Dan Frommer points out, “because it’s a way to distract passengers and generate revenue at the same time — unlike installing TV sets and on-demand movies, which costs money.”


Home typing jobs – a real way to make money from home by dina anderson get paid daily, typing at home no experience “ad companies all over the world currently have over plant propagation techniques that work great at home ” learn how to make money. Make great money working at home with my data team truth parlor get rich scheme this is a legitimate company page 1 my data team come join the team learn how to make money online typing of going to work that’s what i do to make great money. Learn how to make great money typing ads for companies an online ad saying, make $1,000 per day typing at home typing online there are plenty of companies of and ad read more how to start a typing service and make money. Xpress jobs around bangalore – oodle.com he s worked with companies like aol and clicks on one of those ads, you make money keep and i figured if i could make money from something i was already doing, how great would.







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GAME selling XBLA games and DLC Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of GAME selling XBLA games and DLC.

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma to make lenses for NEX and Micro Four Thirds: Digital <b>...</b>

Sigma to make lenses for NEX and Micro Four Thirds: CP+ 2011: Sigma has announced that it intends to make lenses for Micro Four Thirds and Sony E-mount (NEX) system cameras. In a brief statement on its website the company says that ...


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[reefeed]
bench craft company

slides6 by nbbta


bench craft company

GAME selling XBLA games and DLC Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of GAME selling XBLA games and DLC.

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma to make lenses for NEX and Micro Four Thirds: Digital <b>...</b>

Sigma to make lenses for NEX and Micro Four Thirds: CP+ 2011: Sigma has announced that it intends to make lenses for Micro Four Thirds and Sony E-mount (NEX) system cameras. In a brief statement on its website the company says that ...


bench craft company

According to a BusinessInsider interview, Gogo in-flight wireless is doing well and just raised another $35 million in capital to keep the lights on and the in-flight Wi-Fi flowing. Aircell, Gogo’s parent company, says that the service served 3 million sessions between Thanksgiving and New Year’s. Google offered free Gogo on all flights during this period.


In-flight Internet is, in a word, great. However, I worry that it is severely hampering my movie watching time these days as I’m encouraged to write and work during flights as opposed to read magazines and watch movie’s I wouldn’t normally watch with the lady wife like The Box and Pootie Tang. Gogo is available on American, United, Delta, Virgin America, and Air Canada and airlines love it, as Dan Frommer points out, “because it’s a way to distract passengers and generate revenue at the same time — unlike installing TV sets and on-demand movies, which costs money.”


Home typing jobs – a real way to make money from home by dina anderson get paid daily, typing at home no experience “ad companies all over the world currently have over plant propagation techniques that work great at home ” learn how to make money. Make great money working at home with my data team truth parlor get rich scheme this is a legitimate company page 1 my data team come join the team learn how to make money online typing of going to work that’s what i do to make great money. Learn how to make great money typing ads for companies an online ad saying, make $1,000 per day typing at home typing online there are plenty of companies of and ad read more how to start a typing service and make money. Xpress jobs around bangalore – oodle.com he s worked with companies like aol and clicks on one of those ads, you make money keep and i figured if i could make money from something i was already doing, how great would.







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slides6 by nbbta


bench craft company

GAME selling XBLA games and DLC Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of GAME selling XBLA games and DLC.

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma to make lenses for NEX and Micro Four Thirds: Digital <b>...</b>

Sigma to make lenses for NEX and Micro Four Thirds: CP+ 2011: Sigma has announced that it intends to make lenses for Micro Four Thirds and Sony E-mount (NEX) system cameras. In a brief statement on its website the company says that ...


bench craft company

slides6 by nbbta


bench craft company

GAME selling XBLA games and DLC Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of GAME selling XBLA games and DLC.

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma to make lenses for NEX and Micro Four Thirds: Digital <b>...</b>

Sigma to make lenses for NEX and Micro Four Thirds: CP+ 2011: Sigma has announced that it intends to make lenses for Micro Four Thirds and Sony E-mount (NEX) system cameras. In a brief statement on its website the company says that ...


bench craft company

GAME selling XBLA games and DLC Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of GAME selling XBLA games and DLC.

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma to make lenses for NEX and Micro Four Thirds: Digital <b>...</b>

Sigma to make lenses for NEX and Micro Four Thirds: CP+ 2011: Sigma has announced that it intends to make lenses for Micro Four Thirds and Sony E-mount (NEX) system cameras. In a brief statement on its website the company says that ...


bench craft company

GAME selling XBLA games and DLC Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of GAME selling XBLA games and DLC.

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma to make lenses for NEX and Micro Four Thirds: Digital <b>...</b>

Sigma to make lenses for NEX and Micro Four Thirds: CP+ 2011: Sigma has announced that it intends to make lenses for Micro Four Thirds and Sony E-mount (NEX) system cameras. In a brief statement on its website the company says that ...


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slides6 by nbbta


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GAME selling XBLA games and DLC Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of GAME selling XBLA games and DLC.

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma to make lenses for NEX and Micro Four Thirds: Digital <b>...</b>

Sigma to make lenses for NEX and Micro Four Thirds: CP+ 2011: Sigma has announced that it intends to make lenses for Micro Four Thirds and Sony E-mount (NEX) system cameras. In a brief statement on its website the company says that ...


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Why am I dumping everything in one big pile? There are so many ingredients here:

Stop Procrastination

How to become a prolific writer

What you need to know and what skills you need to have to make money on internet

Every one of these subjects requires a wealth of knowledge. But most of all it requires rolling up your sleeves and actually doing it.

Let's Talk About Procrastination

Am I the only person who got fed up losing point after point, running in circles and getting nowhere? No. But I am the person who beat procrastination and wanted to share experience in a very concise way.

Every time I am just about to sabotage myself I think of the smallest baby step I can make to keep doing what I have to. If I have to do some boring chores, I try to find the one that is less boring. If I have to go somewhere, I try to combine going to library, which I love with going shopping - I hate shopping. Once I am out of the house, I will go shopping.

Doing something you like leads you into action. Procrastination is so afraid of action! Start making baby steps, little things - you will be on the road to becoming a writer, if that is your goal.

How To Become a Prolific Writer

If you told me that I would start writing and become proficient at it, I would laugh, seriously. That was two years ago. I had no intentions of becoming a writer. But I decided to start making money on internet. How I made money on internet first time? By writing a report about on oil company located in Russia - Gazprom. I was hired because I could find information not too many people could find: I know Russian language.

Writing about things you know and using skills you have today will get attention of people that need your skills. All you need to do is find where those people are. But that's a story to be told next time.

Two more things you need to get right to become a prolific high quality writer:
Do lots of brainstorming.
Ask yourself a lot of questions about what you want to write. Find the answers and write them down. It will help you to become a good writer.
Teach yourself to write fast.
When you write a sentence or two and then start analyzing what you write - it distracts your thoughts. Write everything you have in mind without stopping - your train of thought will stay intact and you will forget what a writer's block is.

Write for 5 minutes non-stop after a brainstorming session. Increase to 15-20 minutes of writing at a time.

What Being A Writer Has To Do With Making Money on Internet?

In my humble opinion, becoming a good writer is one of the requirements of making money on internet. You need to explain to people what you are selling and why it is beneficial to them to buy. As a matter of fact, you need to become a copywriter. Not too many people experience success on internet until they become a writer and learn copywriting. That's a fact.






















































Tuesday, February 8, 2011

Free rental agreement forms buy


surface encounters

EXCLUSIVE: Two women on &#39;Top Shot&#39; say pressure competing with 14 <b>...</b>

For those who prefer guns and ammo to pin cushions and measuring tape, tonight is.

Pentax introduces limited edition silver K-5 &amp; lenses: Digital <b>...</b>

Pentax introduces limited edition silver K-5 & lenses: CP+: Pentax has announced a limited edition version of its K-5 DSLR and three prime lenses in silver. This version comes with a redesigned grip and shock-resistant, ...

Knight-Mozilla <b>News</b> Technology Partnership Announced | The Mozilla <b>...</b>

We are excited to announce the Knight-Mozilla News Technology Partnership, a Mozilla Drumbeat project supported by the John S. and James L. Knight Foundation Journalism Program. For the next three years, we will have the opportunity to ...


surface encounters

EXCLUSIVE: Two women on &#39;Top Shot&#39; say pressure competing with 14 <b>...</b>

For those who prefer guns and ammo to pin cushions and measuring tape, tonight is.

Pentax introduces limited edition silver K-5 &amp; lenses: Digital <b>...</b>

Pentax introduces limited edition silver K-5 & lenses: CP+: Pentax has announced a limited edition version of its K-5 DSLR and three prime lenses in silver. This version comes with a redesigned grip and shock-resistant, ...

Knight-Mozilla <b>News</b> Technology Partnership Announced | The Mozilla <b>...</b>

We are excited to announce the Knight-Mozilla News Technology Partnership, a Mozilla Drumbeat project supported by the John S. and James L. Knight Foundation Journalism Program. For the next three years, we will have the opportunity to ...


surface encounters

EXCLUSIVE: Two women on &#39;Top Shot&#39; say pressure competing with 14 <b>...</b>

For those who prefer guns and ammo to pin cushions and measuring tape, tonight is.

Pentax introduces limited edition silver K-5 &amp; lenses: Digital <b>...</b>

Pentax introduces limited edition silver K-5 & lenses: CP+: Pentax has announced a limited edition version of its K-5 DSLR and three prime lenses in silver. This version comes with a redesigned grip and shock-resistant, ...

Knight-Mozilla <b>News</b> Technology Partnership Announced | The Mozilla <b>...</b>

We are excited to announce the Knight-Mozilla News Technology Partnership, a Mozilla Drumbeat project supported by the John S. and James L. Knight Foundation Journalism Program. For the next three years, we will have the opportunity to ...


surface encounters

EXCLUSIVE: Two women on &#39;Top Shot&#39; say pressure competing with 14 <b>...</b>

For those who prefer guns and ammo to pin cushions and measuring tape, tonight is.

Pentax introduces limited edition silver K-5 &amp; lenses: Digital <b>...</b>

Pentax introduces limited edition silver K-5 & lenses: CP+: Pentax has announced a limited edition version of its K-5 DSLR and three prime lenses in silver. This version comes with a redesigned grip and shock-resistant, ...

Knight-Mozilla <b>News</b> Technology Partnership Announced | The Mozilla <b>...</b>

We are excited to announce the Knight-Mozilla News Technology Partnership, a Mozilla Drumbeat project supported by the John S. and James L. Knight Foundation Journalism Program. For the next three years, we will have the opportunity to ...


surface encounters

EXCLUSIVE: Two women on &#39;Top Shot&#39; say pressure competing with 14 <b>...</b>

For those who prefer guns and ammo to pin cushions and measuring tape, tonight is.

Pentax introduces limited edition silver K-5 &amp; lenses: Digital <b>...</b>

Pentax introduces limited edition silver K-5 & lenses: CP+: Pentax has announced a limited edition version of its K-5 DSLR and three prime lenses in silver. This version comes with a redesigned grip and shock-resistant, ...

Knight-Mozilla <b>News</b> Technology Partnership Announced | The Mozilla <b>...</b>

We are excited to announce the Knight-Mozilla News Technology Partnership, a Mozilla Drumbeat project supported by the John S. and James L. Knight Foundation Journalism Program. For the next three years, we will have the opportunity to ...


surface encounters

EXCLUSIVE: Two women on &#39;Top Shot&#39; say pressure competing with 14 <b>...</b>

For those who prefer guns and ammo to pin cushions and measuring tape, tonight is.

Pentax introduces limited edition silver K-5 &amp; lenses: Digital <b>...</b>

Pentax introduces limited edition silver K-5 & lenses: CP+: Pentax has announced a limited edition version of its K-5 DSLR and three prime lenses in silver. This version comes with a redesigned grip and shock-resistant, ...

Knight-Mozilla <b>News</b> Technology Partnership Announced | The Mozilla <b>...</b>

We are excited to announce the Knight-Mozilla News Technology Partnership, a Mozilla Drumbeat project supported by the John S. and James L. Knight Foundation Journalism Program. For the next three years, we will have the opportunity to ...


surface encounters

EXCLUSIVE: Two women on &#39;Top Shot&#39; say pressure competing with 14 <b>...</b>

For those who prefer guns and ammo to pin cushions and measuring tape, tonight is.

Pentax introduces limited edition silver K-5 &amp; lenses: Digital <b>...</b>

Pentax introduces limited edition silver K-5 & lenses: CP+: Pentax has announced a limited edition version of its K-5 DSLR and three prime lenses in silver. This version comes with a redesigned grip and shock-resistant, ...

Knight-Mozilla <b>News</b> Technology Partnership Announced | The Mozilla <b>...</b>

We are excited to announce the Knight-Mozilla News Technology Partnership, a Mozilla Drumbeat project supported by the John S. and James L. Knight Foundation Journalism Program. For the next three years, we will have the opportunity to ...


surface encounters

EXCLUSIVE: Two women on &#39;Top Shot&#39; say pressure competing with 14 <b>...</b>

For those who prefer guns and ammo to pin cushions and measuring tape, tonight is.

Pentax introduces limited edition silver K-5 &amp; lenses: Digital <b>...</b>

Pentax introduces limited edition silver K-5 & lenses: CP+: Pentax has announced a limited edition version of its K-5 DSLR and three prime lenses in silver. This version comes with a redesigned grip and shock-resistant, ...

Knight-Mozilla <b>News</b> Technology Partnership Announced | The Mozilla <b>...</b>

We are excited to announce the Knight-Mozilla News Technology Partnership, a Mozilla Drumbeat project supported by the John S. and James L. Knight Foundation Journalism Program. For the next three years, we will have the opportunity to ...


surface encounters

EXCLUSIVE: Two women on &#39;Top Shot&#39; say pressure competing with 14 <b>...</b>

For those who prefer guns and ammo to pin cushions and measuring tape, tonight is.

Pentax introduces limited edition silver K-5 &amp; lenses: Digital <b>...</b>

Pentax introduces limited edition silver K-5 & lenses: CP+: Pentax has announced a limited edition version of its K-5 DSLR and three prime lenses in silver. This version comes with a redesigned grip and shock-resistant, ...

Knight-Mozilla <b>News</b> Technology Partnership Announced | The Mozilla <b>...</b>

We are excited to announce the Knight-Mozilla News Technology Partnership, a Mozilla Drumbeat project supported by the John S. and James L. Knight Foundation Journalism Program. For the next three years, we will have the opportunity to ...


surface encounters

EXCLUSIVE: Two women on &#39;Top Shot&#39; say pressure competing with 14 <b>...</b>

For those who prefer guns and ammo to pin cushions and measuring tape, tonight is.

Pentax introduces limited edition silver K-5 &amp; lenses: Digital <b>...</b>

Pentax introduces limited edition silver K-5 & lenses: CP+: Pentax has announced a limited edition version of its K-5 DSLR and three prime lenses in silver. This version comes with a redesigned grip and shock-resistant, ...

Knight-Mozilla <b>News</b> Technology Partnership Announced | The Mozilla <b>...</b>

We are excited to announce the Knight-Mozilla News Technology Partnership, a Mozilla Drumbeat project supported by the John S. and James L. Knight Foundation Journalism Program. For the next three years, we will have the opportunity to ...


Sunday, February 6, 2011

Help Making Money


When Rand Paul made his highly controversial proposal to flatly end foreign aid spending across the board he raised a lot of eyebrows. But his plan might not have caused nearly as much of a ruckus had the media not immediately changed the conversation from one of fiscal probity to a hot button topic by asking, “Even to Israel?” For the record, Senator Paul obviously didn’t start out to launch an attack on all the Jews of world, but that’s the cliff which the conversation leaped off when he admitted that Israel would be included in that list.


On Friday, Rabbi Steve Gutow took to the pages of Politico seeking to lead Paul to the woodshed.


U.S. foreign aid is not a line to be cut — as though it were excessive spending on paper clips. This money is as much a part of our national security toolbox as our Foreign Service corps or military relationships — both of which would be sacrificed at the altar of cuts-for-cuts-sake as well, should Paul (R-Ky.) have his way.


So far, so good, at least in terms of general theory. Nearly every dime spent by the government will find supporters somewhere, and few honest analysts would argue that there is zero value gained from investing in foreign relationships, assuming we can afford it. But the Rabbi goes on from there to essentially ignore every other country on the lengthy list of those feeding at the US trough and focuses exclusively on the importance of funding Israel.


Israel receives just $3 billion in military aid — a paltry 5 percent of the foreign aid budget, which is, itself, only 1 percent of our overall spending. To think such a cut will move our economy forward is like suggesting that ordering a diet soda with your double bacon cheeseburger will help you lose weight.


That makes for a great sound bite, but it’s the paragraph which really deserves a closer look on two fronts. First, if you’re going to talk about any cuts to foreign aid at all it’s pretty difficult not to cast your eyes on Israel and Egypt. Looking at the rather eclectic list of countries cashing our checks, these are the only two which traditionally receive amounts in the billions rather than the hundreds of millions. Making cuts in foreign aid without touching those two would be akin to trying to meaningfully reduce the federal government’s budget without touching entitlement programs. (And who on Earth would ever consider that?)


And what of the other countries on the list? Would Rabbi Gutow be willing to lop off support for Jordan? (Roughly 1/2 billion, presumably for, well… not attacking Israel.) Shall we clip payments to Columbia? (Another 1/2 billion – I assume for not producing cocaine, which has clearly been a huge success.) Ethiopia? Kenya? Pakistan? Who should face the ax?


But it’s the second part of Gutow’s quote which requires the most attention, specifically the “diet soda and double bacon cheeseburger” line. He is correct. Just ordering the diet soda won’t make any difference. But if you make it a single burger instead of two, use only one slice of cheese, remove half of the bacon strips and put it on a smaller bun, suddenly you’re ingesting a lot less calories.


The point is, completely eliminating all foreign aid is probably a non-starter in Washington. But rushing to defend your own ricebowl while ignoring the rest isn’t going to solve anything. If we are going to make cuts to foreign aid (along with the myriad other areas where we must reduce spending) then everyone is going to have to share the burden and feel some of the pinch or there is no sense starting the process. And that would have to include Israel and Egypt.


The Rabbi seems to be presenting us with a false choice. Aid to Israel – and many of these other countries – doesn’t have to be entirely eliminated if we trim a proportional bit from each. It’s the same as the rest of the federal bureaucracy. Taking a nice bite out of each one may not seem like much, but if you take that chunk out of all of them, pretty soon you’re talking about real money.


For a different perspective, though, Doug Mataconis tells us that the gravy train is over and it’s time to cut off welfare for the rest of the world.







The crowdsourced funding craze is picking up steam. Tonight we see the launch of 33needs, a site where socially-minded startups can raise initial seed funding from individual contributors on the Web. It is Kiva meets Kickstarter.


Social startups post their “needs” in terms of how much money they are looking to raise, what problems they are going to solve and how they are going to do it, along with a video to help spread the word virally. People can invest $10, $100, $1,000 or more, and in return instead of getting shares in the company, they get a promised percentage of revenues for a specified period of time like 5 percent of revenues for three years.


The startups seeking funds are for-profit ventures, as is 33needs. Some of the launch startups include Emergent Energy Group, which wants to bring renewable energy projects to different communities in the U.S., and HalfUnited, a new clothing company which feeds hungry children with part of its profits (see video below).


33needs itself takes a 5 percent cut of any money raised, and nothing if the goal is not met. Generally, thee social startups are trying to raise anywhere from $50,000 or more get their businesses off the ground. They all try to mix profits with creating social good, which increasingly also resonates as a marketing strategy to consumers who want to feel like they are making a difference in the world. Whether or not they actually are is a different matter, but the most enduring social startups will end up being those who create a measurable impact.


The company was founded by Josh Tetrick, a social entrepreneur and former Fulbright Scholar who worked in Africa and for President Clinton. He doesn’t see 33needs as a replacement for angel or seed capital, but rather as a launching pad for ideas that may otherwise never have made it beyond a dinner conversation. “It’s a launching pad that builds fans, breeds a loyal base of people who’ll buy your stuff and use your product,” he argues. “There is so much pent up demand to invest in this stuff—not donate, but invest.”


But using crowdfunding to help start companies, as opposed to microloans for projects (Kickstarter) or people (Kiva), sets a higher bar. These require more money than a simple project. One of the key learnings from Kickstarter, for instance, is that small projects can grow into full-blown startups, but they don’t have to (watch this interview with Kickstarter founder Perry Chen). With 33needs it will be all or nothing. So the startups better make their pitches really good.





benchcraft company scam

<b>News</b> Corp. 2Q Earnings Double: Will Company Sell MySpace <b>...</b>

News Corp. more than doubled its earnings for the fiscal second quarter, the company announced Wednesday.

Jeddah: City with a survival instinct - Arab <b>News</b>

At no time will Arab News attempt to alter the core meaning of a comment. 3. Reject the message, edit the message when the moderators judge it to be a personal attack, defamatory (or potentially defamatory), abusive, incite hatred or ...

<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat

Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...


benchcraft company portland or

When Rand Paul made his highly controversial proposal to flatly end foreign aid spending across the board he raised a lot of eyebrows. But his plan might not have caused nearly as much of a ruckus had the media not immediately changed the conversation from one of fiscal probity to a hot button topic by asking, “Even to Israel?” For the record, Senator Paul obviously didn’t start out to launch an attack on all the Jews of world, but that’s the cliff which the conversation leaped off when he admitted that Israel would be included in that list.


On Friday, Rabbi Steve Gutow took to the pages of Politico seeking to lead Paul to the woodshed.


U.S. foreign aid is not a line to be cut — as though it were excessive spending on paper clips. This money is as much a part of our national security toolbox as our Foreign Service corps or military relationships — both of which would be sacrificed at the altar of cuts-for-cuts-sake as well, should Paul (R-Ky.) have his way.


So far, so good, at least in terms of general theory. Nearly every dime spent by the government will find supporters somewhere, and few honest analysts would argue that there is zero value gained from investing in foreign relationships, assuming we can afford it. But the Rabbi goes on from there to essentially ignore every other country on the lengthy list of those feeding at the US trough and focuses exclusively on the importance of funding Israel.


Israel receives just $3 billion in military aid — a paltry 5 percent of the foreign aid budget, which is, itself, only 1 percent of our overall spending. To think such a cut will move our economy forward is like suggesting that ordering a diet soda with your double bacon cheeseburger will help you lose weight.


That makes for a great sound bite, but it’s the paragraph which really deserves a closer look on two fronts. First, if you’re going to talk about any cuts to foreign aid at all it’s pretty difficult not to cast your eyes on Israel and Egypt. Looking at the rather eclectic list of countries cashing our checks, these are the only two which traditionally receive amounts in the billions rather than the hundreds of millions. Making cuts in foreign aid without touching those two would be akin to trying to meaningfully reduce the federal government’s budget without touching entitlement programs. (And who on Earth would ever consider that?)


And what of the other countries on the list? Would Rabbi Gutow be willing to lop off support for Jordan? (Roughly 1/2 billion, presumably for, well… not attacking Israel.) Shall we clip payments to Columbia? (Another 1/2 billion – I assume for not producing cocaine, which has clearly been a huge success.) Ethiopia? Kenya? Pakistan? Who should face the ax?


But it’s the second part of Gutow’s quote which requires the most attention, specifically the “diet soda and double bacon cheeseburger” line. He is correct. Just ordering the diet soda won’t make any difference. But if you make it a single burger instead of two, use only one slice of cheese, remove half of the bacon strips and put it on a smaller bun, suddenly you’re ingesting a lot less calories.


The point is, completely eliminating all foreign aid is probably a non-starter in Washington. But rushing to defend your own ricebowl while ignoring the rest isn’t going to solve anything. If we are going to make cuts to foreign aid (along with the myriad other areas where we must reduce spending) then everyone is going to have to share the burden and feel some of the pinch or there is no sense starting the process. And that would have to include Israel and Egypt.


The Rabbi seems to be presenting us with a false choice. Aid to Israel – and many of these other countries – doesn’t have to be entirely eliminated if we trim a proportional bit from each. It’s the same as the rest of the federal bureaucracy. Taking a nice bite out of each one may not seem like much, but if you take that chunk out of all of them, pretty soon you’re talking about real money.


For a different perspective, though, Doug Mataconis tells us that the gravy train is over and it’s time to cut off welfare for the rest of the world.







The crowdsourced funding craze is picking up steam. Tonight we see the launch of 33needs, a site where socially-minded startups can raise initial seed funding from individual contributors on the Web. It is Kiva meets Kickstarter.


Social startups post their “needs” in terms of how much money they are looking to raise, what problems they are going to solve and how they are going to do it, along with a video to help spread the word virally. People can invest $10, $100, $1,000 or more, and in return instead of getting shares in the company, they get a promised percentage of revenues for a specified period of time like 5 percent of revenues for three years.


The startups seeking funds are for-profit ventures, as is 33needs. Some of the launch startups include Emergent Energy Group, which wants to bring renewable energy projects to different communities in the U.S., and HalfUnited, a new clothing company which feeds hungry children with part of its profits (see video below).


33needs itself takes a 5 percent cut of any money raised, and nothing if the goal is not met. Generally, thee social startups are trying to raise anywhere from $50,000 or more get their businesses off the ground. They all try to mix profits with creating social good, which increasingly also resonates as a marketing strategy to consumers who want to feel like they are making a difference in the world. Whether or not they actually are is a different matter, but the most enduring social startups will end up being those who create a measurable impact.


The company was founded by Josh Tetrick, a social entrepreneur and former Fulbright Scholar who worked in Africa and for President Clinton. He doesn’t see 33needs as a replacement for angel or seed capital, but rather as a launching pad for ideas that may otherwise never have made it beyond a dinner conversation. “It’s a launching pad that builds fans, breeds a loyal base of people who’ll buy your stuff and use your product,” he argues. “There is so much pent up demand to invest in this stuff—not donate, but invest.”


But using crowdfunding to help start companies, as opposed to microloans for projects (Kickstarter) or people (Kiva), sets a higher bar. These require more money than a simple project. One of the key learnings from Kickstarter, for instance, is that small projects can grow into full-blown startups, but they don’t have to (watch this interview with Kickstarter founder Perry Chen). With 33needs it will be all or nothing. So the startups better make their pitches really good.





benchcraft company scam

<b>News</b> Corp. 2Q Earnings Double: Will Company Sell MySpace <b>...</b>

News Corp. more than doubled its earnings for the fiscal second quarter, the company announced Wednesday.

Jeddah: City with a survival instinct - Arab <b>News</b>

At no time will Arab News attempt to alter the core meaning of a comment. 3. Reject the message, edit the message when the moderators judge it to be a personal attack, defamatory (or potentially defamatory), abusive, incite hatred or ...

<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat

Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...


benchcraft company portland or
[reefeed]
benchcraft company scam

Guitar Notes Master - Software For Learning Notes and Scales on the  Guitar Fretboard by thenyouwin


benchcraft company scam

<b>News</b> Corp. 2Q Earnings Double: Will Company Sell MySpace <b>...</b>

News Corp. more than doubled its earnings for the fiscal second quarter, the company announced Wednesday.

Jeddah: City with a survival instinct - Arab <b>News</b>

At no time will Arab News attempt to alter the core meaning of a comment. 3. Reject the message, edit the message when the moderators judge it to be a personal attack, defamatory (or potentially defamatory), abusive, incite hatred or ...

<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat

Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...


bench craft company reviews

When Rand Paul made his highly controversial proposal to flatly end foreign aid spending across the board he raised a lot of eyebrows. But his plan might not have caused nearly as much of a ruckus had the media not immediately changed the conversation from one of fiscal probity to a hot button topic by asking, “Even to Israel?” For the record, Senator Paul obviously didn’t start out to launch an attack on all the Jews of world, but that’s the cliff which the conversation leaped off when he admitted that Israel would be included in that list.


On Friday, Rabbi Steve Gutow took to the pages of Politico seeking to lead Paul to the woodshed.


U.S. foreign aid is not a line to be cut — as though it were excessive spending on paper clips. This money is as much a part of our national security toolbox as our Foreign Service corps or military relationships — both of which would be sacrificed at the altar of cuts-for-cuts-sake as well, should Paul (R-Ky.) have his way.


So far, so good, at least in terms of general theory. Nearly every dime spent by the government will find supporters somewhere, and few honest analysts would argue that there is zero value gained from investing in foreign relationships, assuming we can afford it. But the Rabbi goes on from there to essentially ignore every other country on the lengthy list of those feeding at the US trough and focuses exclusively on the importance of funding Israel.


Israel receives just $3 billion in military aid — a paltry 5 percent of the foreign aid budget, which is, itself, only 1 percent of our overall spending. To think such a cut will move our economy forward is like suggesting that ordering a diet soda with your double bacon cheeseburger will help you lose weight.


That makes for a great sound bite, but it’s the paragraph which really deserves a closer look on two fronts. First, if you’re going to talk about any cuts to foreign aid at all it’s pretty difficult not to cast your eyes on Israel and Egypt. Looking at the rather eclectic list of countries cashing our checks, these are the only two which traditionally receive amounts in the billions rather than the hundreds of millions. Making cuts in foreign aid without touching those two would be akin to trying to meaningfully reduce the federal government’s budget without touching entitlement programs. (And who on Earth would ever consider that?)


And what of the other countries on the list? Would Rabbi Gutow be willing to lop off support for Jordan? (Roughly 1/2 billion, presumably for, well… not attacking Israel.) Shall we clip payments to Columbia? (Another 1/2 billion – I assume for not producing cocaine, which has clearly been a huge success.) Ethiopia? Kenya? Pakistan? Who should face the ax?


But it’s the second part of Gutow’s quote which requires the most attention, specifically the “diet soda and double bacon cheeseburger” line. He is correct. Just ordering the diet soda won’t make any difference. But if you make it a single burger instead of two, use only one slice of cheese, remove half of the bacon strips and put it on a smaller bun, suddenly you’re ingesting a lot less calories.


The point is, completely eliminating all foreign aid is probably a non-starter in Washington. But rushing to defend your own ricebowl while ignoring the rest isn’t going to solve anything. If we are going to make cuts to foreign aid (along with the myriad other areas where we must reduce spending) then everyone is going to have to share the burden and feel some of the pinch or there is no sense starting the process. And that would have to include Israel and Egypt.


The Rabbi seems to be presenting us with a false choice. Aid to Israel – and many of these other countries – doesn’t have to be entirely eliminated if we trim a proportional bit from each. It’s the same as the rest of the federal bureaucracy. Taking a nice bite out of each one may not seem like much, but if you take that chunk out of all of them, pretty soon you’re talking about real money.


For a different perspective, though, Doug Mataconis tells us that the gravy train is over and it’s time to cut off welfare for the rest of the world.







The crowdsourced funding craze is picking up steam. Tonight we see the launch of 33needs, a site where socially-minded startups can raise initial seed funding from individual contributors on the Web. It is Kiva meets Kickstarter.


Social startups post their “needs” in terms of how much money they are looking to raise, what problems they are going to solve and how they are going to do it, along with a video to help spread the word virally. People can invest $10, $100, $1,000 or more, and in return instead of getting shares in the company, they get a promised percentage of revenues for a specified period of time like 5 percent of revenues for three years.


The startups seeking funds are for-profit ventures, as is 33needs. Some of the launch startups include Emergent Energy Group, which wants to bring renewable energy projects to different communities in the U.S., and HalfUnited, a new clothing company which feeds hungry children with part of its profits (see video below).


33needs itself takes a 5 percent cut of any money raised, and nothing if the goal is not met. Generally, thee social startups are trying to raise anywhere from $50,000 or more get their businesses off the ground. They all try to mix profits with creating social good, which increasingly also resonates as a marketing strategy to consumers who want to feel like they are making a difference in the world. Whether or not they actually are is a different matter, but the most enduring social startups will end up being those who create a measurable impact.


The company was founded by Josh Tetrick, a social entrepreneur and former Fulbright Scholar who worked in Africa and for President Clinton. He doesn’t see 33needs as a replacement for angel or seed capital, but rather as a launching pad for ideas that may otherwise never have made it beyond a dinner conversation. “It’s a launching pad that builds fans, breeds a loyal base of people who’ll buy your stuff and use your product,” he argues. “There is so much pent up demand to invest in this stuff—not donate, but invest.”


But using crowdfunding to help start companies, as opposed to microloans for projects (Kickstarter) or people (Kiva), sets a higher bar. These require more money than a simple project. One of the key learnings from Kickstarter, for instance, is that small projects can grow into full-blown startups, but they don’t have to (watch this interview with Kickstarter founder Perry Chen). With 33needs it will be all or nothing. So the startups better make their pitches really good.





benchcraft company portland or

Guitar Notes Master - Software For Learning Notes and Scales on the  Guitar Fretboard by thenyouwin


bench craft company reviews

<b>News</b> Corp. 2Q Earnings Double: Will Company Sell MySpace <b>...</b>

News Corp. more than doubled its earnings for the fiscal second quarter, the company announced Wednesday.

Jeddah: City with a survival instinct - Arab <b>News</b>

At no time will Arab News attempt to alter the core meaning of a comment. 3. Reject the message, edit the message when the moderators judge it to be a personal attack, defamatory (or potentially defamatory), abusive, incite hatred or ...

<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat

Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...


benchcraft company scam

Guitar Notes Master - Software For Learning Notes and Scales on the  Guitar Fretboard by thenyouwin


benchcraft company scam

<b>News</b> Corp. 2Q Earnings Double: Will Company Sell MySpace <b>...</b>

News Corp. more than doubled its earnings for the fiscal second quarter, the company announced Wednesday.

Jeddah: City with a survival instinct - Arab <b>News</b>

At no time will Arab News attempt to alter the core meaning of a comment. 3. Reject the message, edit the message when the moderators judge it to be a personal attack, defamatory (or potentially defamatory), abusive, incite hatred or ...

<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat

Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...


bench craft company reviews

<b>News</b> Corp. 2Q Earnings Double: Will Company Sell MySpace <b>...</b>

News Corp. more than doubled its earnings for the fiscal second quarter, the company announced Wednesday.

Jeddah: City with a survival instinct - Arab <b>News</b>

At no time will Arab News attempt to alter the core meaning of a comment. 3. Reject the message, edit the message when the moderators judge it to be a personal attack, defamatory (or potentially defamatory), abusive, incite hatred or ...

<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat

Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...


benchcraft company portland or

<b>News</b> Corp. 2Q Earnings Double: Will Company Sell MySpace <b>...</b>

News Corp. more than doubled its earnings for the fiscal second quarter, the company announced Wednesday.

Jeddah: City with a survival instinct - Arab <b>News</b>

At no time will Arab News attempt to alter the core meaning of a comment. 3. Reject the message, edit the message when the moderators judge it to be a personal attack, defamatory (or potentially defamatory), abusive, incite hatred or ...

<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat

Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...


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bench craft company reviews

Guitar Notes Master - Software For Learning Notes and Scales on the  Guitar Fretboard by thenyouwin


bench craft company reviews
bench craft company reviews

<b>News</b> Corp. 2Q Earnings Double: Will Company Sell MySpace <b>...</b>

News Corp. more than doubled its earnings for the fiscal second quarter, the company announced Wednesday.

Jeddah: City with a survival instinct - Arab <b>News</b>

At no time will Arab News attempt to alter the core meaning of a comment. 3. Reject the message, edit the message when the moderators judge it to be a personal attack, defamatory (or potentially defamatory), abusive, incite hatred or ...

<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat

Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...


bench craft company reviews

Introduction Making money online is practically everyone's dream. However, just like starting a brick and mortar business, it isn't going to be easy. There are a lot of people out there trying to capitalize on your dreams and make money from you in your desperate attempts to figure out how to earn money online. We've written this mini guide to help you avoid scams, know what to look for, and what it takes to earn money online. There are many legit and many not-so-legit ways of making money online. Some are expensive, some are low cost. We're going to explore each one. However, be warned that there may be laws in your local area that require you to have a special license for selling via online. Because this is beyond our expertise, you will have to check out your local business center for more information about required licenses and registration. Legit Ways of Making Money Online The best and most legit ways of making money online are to explore reseller programs, turnkey and affiliate programs. Both ways require time and energy to get off the ground. Have no fear, we are here! Reseller Programs Reseller programs are basically companies who provide a product or service and allow you to resell their inventory in smaller parts enabling you to earn a profit from them. You can have physical inventory or you can have services to promote. The good thing about reseller programs is that most will provide the customer service for you. Some will even allow you to co-brand your logo or name seamlessly into their product or service. Some popular reseller programs are: • Hosting: ResellersPanel.com, Host Gator, APlus.net • Domain Names: Wild West Domains, Enom, Tucows • Software: Cisco Systems Affiliate Programs These types of programs normally pay you per sale or per click. For each lead you send the company, you will get paid a commission. These types of programs are good if you have a lot of traffic going to your website or if you network with a lot of people. Here are some websites that list available affiliate programs: • Commission Junction • Affiliate Guide Some popular affiliate programs: • Ebay • Google Adsense Turnkey Websites Turnkey websites are websites that are ready to go, all you have to do is "turn the key". The majority of turnkey companies will allow you to co-brand your logo, set your own prices, provide your customers with support, include web hosting and a domain name. The downside is you may not have much control over the site content, display, colors and layout. Turnkey companies: • Wild West Domains Not-So-Legit Ways There are some misleading ways to make money online. Some ways are scams, others make it impossible for you to earn a decent return. The most common scams are: • working from home • multi-level marketing (also called MLM) • investing Of course, just being labeled these things does not mean they are not legit. But you should be wary. If it sounds too good to be true, then it probably is. What To Look For Avoiding online scams means educating yourself about what to look for. Here are some things you can do to protect yourself. Simple Searching Search engines are powerful resource providers. Enter the URL or name of the business into the search engine and see what comes up. Better Business Bureau Research BBB.org to see if any complaints were filed against the company. If they do have complaints, see if the company attempted to resolve them and in what amount of time. Remember, just because a company doesn't have a record with BBB, it doesn't mean they have a satisfactory customer base. The Fine Print This has to be the most common mistake people tend to make: overlooking the fine print. If it sounds too good to be true, it probably is. Read the fine print in user/buyer agreements. Look for any discrepancies and compare them to what they say versus what they actually provide. Ask questions. Conclusion Judge each opportunity you come across with skepticism and a closed wallet. Ask questions and tons of them. Good luck and may you have many profitable years ahead!


big seminar 14

<b>News</b> Corp. 2Q Earnings Double: Will Company Sell MySpace <b>...</b>

News Corp. more than doubled its earnings for the fiscal second quarter, the company announced Wednesday.

Jeddah: City with a survival instinct - Arab <b>News</b>

At no time will Arab News attempt to alter the core meaning of a comment. 3. Reject the message, edit the message when the moderators judge it to be a personal attack, defamatory (or potentially defamatory), abusive, incite hatred or ...

<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat

Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...


big seminar 14

<b>News</b> Corp. 2Q Earnings Double: Will Company Sell MySpace <b>...</b>

News Corp. more than doubled its earnings for the fiscal second quarter, the company announced Wednesday.

Jeddah: City with a survival instinct - Arab <b>News</b>

At no time will Arab News attempt to alter the core meaning of a comment. 3. Reject the message, edit the message when the moderators judge it to be a personal attack, defamatory (or potentially defamatory), abusive, incite hatred or ...

<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat

Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...


big seminar 14