According the statement released by NFM, the fund will aid developers throughout the process of building an iPad application from “sketches to finished product.” More importantly, the company is looking to fund development efforts that are not just mere ports of iPhone applications, but rather take advantage of the new features the iPad has to offer. Notes the company, the apps should “do stuff better than it would be done on an iPhone, and differently from the way it would be done on a laptop or desktop machine.” What “stuff” is that exactly? That's for developers to decide.

In order to qualify, apps also must have the potential to generate revenue, be ready to launch by summer 2010, be developed by teams where at least 70% of the talent is within the North East region where NFM is located, and not replicate the functionality of apps already designed for the iPad. That last stipulation was likely made because it could lead to the app's rejection from the iTunes App Store, as has been the case in the past with iPhone apps such as Google Voice, a VoIP application for making calls and receiving voicemail.

NFM also says that the development team requesting funding should have an investment of money from a private investor, either an equity firm or the company's own resources. Applications NFM selects for funding will receive anywhere from £1,000 to £10,000, depending on the app's potential as NFM sees it.

The iPad is set to launch worldwide in March, at least in the Wi-Fi version. 3G versions outside the US will take a bit longer with no solid dates available at this time.

So far, reactions to the iPad have been decidedly mixed among the tech press. Some have claimed the device is the future of computing while others state the iPad is a failure. Nevertheless, analysts are predicting Apple will sell 1 to 5 million iPads in its first year.

Developers, too, will be itching to create new applications for the device - at least according to Joe Hewitt, the man behind the iPhone version of Facebook. His application, which many say is an even better way to use the social network than the website itself, is a testament to how new platforms can enhance and transform applications from the boring Web 1.0 world of desktop computing to the Web 3.0 world of mobile devices. The iPad will only push this trend even further. Says Hewitt, “if you're a developer and you're not thinking about how your app could work better on the iPad and its descendants, you deserve to get left behind.”

UK firms looking to be the forerunners in iPad development can fill out the application for funding here.

Now Available: Printed Edition of The Real-Time Web Report

At the request of the librarian community and people that just like paper, we have made The Real-Time Web and its Future report available in print.

For those of you that prefer it digitally, you can still download it.

Don't forget about our Community Management Report. It too is coming in print soon, so watch out for it!

Web Trends

The Facebook Privacy Debate: What You Need to Know

Facebook changed the world by helping 350 million people publish their thoughts, feelings, comments, photos, videos and shared links much more easily than ever before. It's the King of social networking.

The network grew with a big promise of privacy at the center of what it offered: your information was by default visible only to people you approved as friends. In December that changed, in a fundamental way. We offer in this post a summary of the changes that were made and key highlights from the debate that's raging around the world about privacy, public information and Facebook.

2010 Trend: Sensors & Mobile Phones

Last week in our Mobile Web Meets Internet of Things series, we looked at barcode scanning and RFID in the next generation iPhone. We expect to see Apple and Android battling it out for both barcode and RFID supremacy this year.

Another key technology in the Internet of Things - where everyday objects are endowed with Internet connectivity - is sensors. In fact we've seen the most activity so far in the Internet of Things from sensor data. So in this post we explore how mobile phones and sensors are mixing; and what to expect in 2010.

UK Launches Open Data Site; Puts Data.gov to Shame

A new website dedicated to making non-personal data held by the U.K. government available for software developers has launched with the help of Sir Tim Berners-Lee, the inventor of the World Wide Web. Data.gov.uk is being slammed with traffic but six months after the U.S. government opened its Data.gov site the U.K. site already has more than three times as much data than the U.S. site offers today.

At launch, Data.gov.uk has nearly 3,000 data sets available for developers to build mashups with. The U.S. site, Data.gov, has less than 1,000 data sets today.

Open Thread: There's No Such Thing As Free Content

So why do users keep expecting to consume it, reuse it, share it and store it without paying for it?

Someone, somewhere ends up putting out money for everything you do online, every piece of news you read, every Web app you use. It takes professionals and hardware across a gigantic industry to make these things work. In terms of overhead alone, content costs a lot. So why do some users always kick and scream at the first suggestion of paid content? Do you think content is worth paying for, and if so, what are you personally willing to pay?

SEE MORE WEB TRENDS COVERAGE IN OUR TRENDS CATEGORY

ReadWriteStart

Our channel ReadWriteStart, sponsored by Microsoft BizSpark, is dedicated to profiling startups and entrepreneurs.

Startup Finance: Xero Powers Accounting in the Cloud

When New Zealand-based entrepreneur Rod Drury began researching his market he could hardly believe what he was seeing. As seen in Drury's comments last week on the state of the online finance ecosystem, only a handful of players like Saasu and MYOB were targeting small business clients. While Drury saw that a number of cloud-based personal finance companies like Mint were gaining traction with users, small businesses had been stuck with the same tired desktop accounting software they'd been using for the last ten years. Drury built Xero with the intent to help small businesses manage their accounts in the cloud.

Never Mind the Valley: Here's Austin

Settled in the 1830s along the banks of the Colorado River and named for the Father of Texas Stephen F. Austin, the city of Austin is known for its thriving music scene and as the home of the University of Texas (UT) Longhorns. But in the past few decades, the Texas capital has built up a reputation of a different sort.

With companies headquartered in Austin like Dell and Freescale Semiconductor, a spin-off of Motorola, the city has become a hotbed of information technology hardware and software. In the mid 1990s, Austin was put on the map by software companies like Motive, Vignette and Tivoli, the latter of which was quickly scooped up by IBM in 1996.

SEE MORE STARTUPS COVERAGE IN OUR READWRITESTART CHANNEL

ReadWriteEnterprise

Our channel ReadWriteEnterprise, devoted to 'enterprise 2.0' and using social software inside organizations.

IBM's Project Vulcan: The Next Generation of Lotus Notes and a Rival To Google Wave

William Shatner opened the IBM Lotusphere event this week, after which IBM launched Project Vulcan. This is a geek dream come true: a full-on collaboration environment with an open API and a name right out of Star Trek fame.

Project Vulcan isn't set for developer release until the second half of this year, but its potential as an all-encompassing cloud-based collaboration service is causing many to compare it to Google Wave.

Web Products

Top Tools For Tracking Topics on the Web

Tracking topics on the Web can be a painful process, due to the amount of noise and difficulty of filtering it. So to help you out, we've selected and categorized the leading topic tracking tools. This is based on the discussion that arose from our earlier post about topic feeds, which are RSS feeds for keywords or phrases.

During the process of analyzing these topic tracking tools, we discovered - to our surprise - that not many of these services output results as RSS. Some of the leading apps in this field require users to visit their service. With that in mind, here is our full list and analysis.

The 3 Facebook Settings Every User Should Check Now

In December, Facebook made a series of bold and controversial changes regarding the nature of its users' privacy on the social networking site. The company once known for protecting privacy to the point of exclusivity (it began its days as a network for college kids only - no one else even had access), now seemingly wants to compete with more open social networks like the microblogging media darling Twitter.

Those of you who edited your privacy settings prior to December's change have nothing to worry about - that is, assuming you elected to keep your personalized settings when prompted by Facebook's “transition tool.” The tool, a dialog box explaining the changes, appeared at the top of Facebook homepages this past month with its own selection of recommended settings. Unfortunately, most Facebook users likely opted for the recommended settings without really understanding what they were agreeing to. If you did so, you may now be surprised to find that you inadvertently gave Facebook the right to publicize your private information including status updates, photos, and shared links.

Want to change things back? Read on to find out how.

Twitter's Growth Slows Dramatically

After news about the landing of US Airways 1549 in the Hudson first broke on Twitter in January 2009, the microblogging service quickly captured the imagination of a new group of potential users. Throughout the first months of 2009, Twitter grew at a rapid pace, peaking at a growth rate of 13% in March 2009.

Now, however, according to the latest data from HubSpot, Twitter's growth is slowing dramatically. In October 2009, Twitter's growth rate had fallen to 3.5%. On a positive note, though, the average active user on Twitter today is more engaged than six months ago.

Why France and Germany Got it Right: IE Must Go

It looks like Microsoft has moved to the “sticks and stones” method for handling public relations gaffes. As we reported earlier this week, France joined Germany in suggesting that its citizens switch from Internet Explorer to, well, anything else. Now, Microsoft's UK security chief, Cliff Evans, has responded by saying that switching to other browsers will only open you up to more security vulnerabilities than staying with Internet Explorer.

That's saying a lot for the browser implicated in the Great Google Caper of 2010; and we have multiple security experts who have said a lot on why it just isn't true.

SEE MORE WEB PRODUCTS COVERAGE IN OUR PRODUCTS CATEGORY

That's a wrap for another week! Enjoy your weekend everyone.

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According the statement released by NFM, the fund will aid developers throughout the process of building an iPad application from “sketches to finished product.” More importantly, the company is looking to fund development efforts that are not just mere ports of iPhone applications, but rather take advantage of the new features the iPad has to offer. Notes the company, the apps should “do stuff better than it would be done on an iPhone, and differently from the way it would be done on a laptop or desktop machine.” What “stuff” is that exactly? That's for developers to decide.

In order to qualify, apps also must have the potential to generate revenue, be ready to launch by summer 2010, be developed by teams where at least 70% of the talent is within the North East region where NFM is located, and not replicate the functionality of apps already designed for the iPad. That last stipulation was likely made because it could lead to the app's rejection from the iTunes App Store, as has been the case in the past with iPhone apps such as Google Voice, a VoIP application for making calls and receiving voicemail.

NFM also says that the development team requesting funding should have an investment of money from a private investor, either an equity firm or the company's own resources. Applications NFM selects for funding will receive anywhere from £1,000 to £10,000, depending on the app's potential as NFM sees it.

The iPad is set to launch worldwide in March, at least in the Wi-Fi version. 3G versions outside the US will take a bit longer with no solid dates available at this time.

So far, reactions to the iPad have been decidedly mixed among the tech press. Some have claimed the device is the future of computing while others state the iPad is a failure. Nevertheless, analysts are predicting Apple will sell 1 to 5 million iPads in its first year.

Developers, too, will be itching to create new applications for the device - at least according to Joe Hewitt, the man behind the iPhone version of Facebook. His application, which many say is an even better way to use the social network than the website itself, is a testament to how new platforms can enhance and transform applications from the boring Web 1.0 world of desktop computing to the Web 3.0 world of mobile devices. The iPad will only push this trend even further. Says Hewitt, “if you're a developer and you're not thinking about how your app could work better on the iPad and its descendants, you deserve to get left behind.”

UK firms looking to be the forerunners in iPad development can fill out the application for funding here.

Now Available: Printed Edition of The Real-Time Web Report

At the request of the librarian community and people that just like paper, we have made The Real-Time Web and its Future report available in print.

For those of you that prefer it digitally, you can still download it.

Don't forget about our Community Management Report. It too is coming in print soon, so watch out for it!

Web Trends

The Facebook Privacy Debate: What You Need to Know

Facebook changed the world by helping 350 million people publish their thoughts, feelings, comments, photos, videos and shared links much more easily than ever before. It's the King of social networking.

The network grew with a big promise of privacy at the center of what it offered: your information was by default visible only to people you approved as friends. In December that changed, in a fundamental way. We offer in this post a summary of the changes that were made and key highlights from the debate that's raging around the world about privacy, public information and Facebook.

2010 Trend: Sensors & Mobile Phones

Last week in our Mobile Web Meets Internet of Things series, we looked at barcode scanning and RFID in the next generation iPhone. We expect to see Apple and Android battling it out for both barcode and RFID supremacy this year.

Another key technology in the Internet of Things - where everyday objects are endowed with Internet connectivity - is sensors. In fact we've seen the most activity so far in the Internet of Things from sensor data. So in this post we explore how mobile phones and sensors are mixing; and what to expect in 2010.

UK Launches Open Data Site; Puts Data.gov to Shame

A new website dedicated to making non-personal data held by the U.K. government available for software developers has launched with the help of Sir Tim Berners-Lee, the inventor of the World Wide Web. Data.gov.uk is being slammed with traffic but six months after the U.S. government opened its Data.gov site the U.K. site already has more than three times as much data than the U.S. site offers today.

At launch, Data.gov.uk has nearly 3,000 data sets available for developers to build mashups with. The U.S. site, Data.gov, has less than 1,000 data sets today.

Open Thread: There's No Such Thing As Free Content

So why do users keep expecting to consume it, reuse it, share it and store it without paying for it?

Someone, somewhere ends up putting out money for everything you do online, every piece of news you read, every Web app you use. It takes professionals and hardware across a gigantic industry to make these things work. In terms of overhead alone, content costs a lot. So why do some users always kick and scream at the first suggestion of paid content? Do you think content is worth paying for, and if so, what are you personally willing to pay?

SEE MORE WEB TRENDS COVERAGE IN OUR TRENDS CATEGORY

ReadWriteStart

Our channel ReadWriteStart, sponsored by Microsoft BizSpark, is dedicated to profiling startups and entrepreneurs.

Startup Finance: Xero Powers Accounting in the Cloud

When New Zealand-based entrepreneur Rod Drury began researching his market he could hardly believe what he was seeing. As seen in Drury's comments last week on the state of the online finance ecosystem, only a handful of players like Saasu and MYOB were targeting small business clients. While Drury saw that a number of cloud-based personal finance companies like Mint were gaining traction with users, small businesses had been stuck with the same tired desktop accounting software they'd been using for the last ten years. Drury built Xero with the intent to help small businesses manage their accounts in the cloud.

Never Mind the Valley: Here's Austin

Settled in the 1830s along the banks of the Colorado River and named for the Father of Texas Stephen F. Austin, the city of Austin is known for its thriving music scene and as the home of the University of Texas (UT) Longhorns. But in the past few decades, the Texas capital has built up a reputation of a different sort.

With companies headquartered in Austin like Dell and Freescale Semiconductor, a spin-off of Motorola, the city has become a hotbed of information technology hardware and software. In the mid 1990s, Austin was put on the map by software companies like Motive, Vignette and Tivoli, the latter of which was quickly scooped up by IBM in 1996.

SEE MORE STARTUPS COVERAGE IN OUR READWRITESTART CHANNEL

ReadWriteEnterprise

Our channel ReadWriteEnterprise, devoted to 'enterprise 2.0' and using social software inside organizations.

IBM's Project Vulcan: The Next Generation of Lotus Notes and a Rival To Google Wave

William Shatner opened the IBM Lotusphere event this week, after which IBM launched Project Vulcan. This is a geek dream come true: a full-on collaboration environment with an open API and a name right out of Star Trek fame.

Project Vulcan isn't set for developer release until the second half of this year, but its potential as an all-encompassing cloud-based collaboration service is causing many to compare it to Google Wave.

Web Products

Top Tools For Tracking Topics on the Web

Tracking topics on the Web can be a painful process, due to the amount of noise and difficulty of filtering it. So to help you out, we've selected and categorized the leading topic tracking tools. This is based on the discussion that arose from our earlier post about topic feeds, which are RSS feeds for keywords or phrases.

During the process of analyzing these topic tracking tools, we discovered - to our surprise - that not many of these services output results as RSS. Some of the leading apps in this field require users to visit their service. With that in mind, here is our full list and analysis.

The 3 Facebook Settings Every User Should Check Now

In December, Facebook made a series of bold and controversial changes regarding the nature of its users' privacy on the social networking site. The company once known for protecting privacy to the point of exclusivity (it began its days as a network for college kids only - no one else even had access), now seemingly wants to compete with more open social networks like the microblogging media darling Twitter.

Those of you who edited your privacy settings prior to December's change have nothing to worry about - that is, assuming you elected to keep your personalized settings when prompted by Facebook's “transition tool.” The tool, a dialog box explaining the changes, appeared at the top of Facebook homepages this past month with its own selection of recommended settings. Unfortunately, most Facebook users likely opted for the recommended settings without really understanding what they were agreeing to. If you did so, you may now be surprised to find that you inadvertently gave Facebook the right to publicize your private information including status updates, photos, and shared links.

Want to change things back? Read on to find out how.

Twitter's Growth Slows Dramatically

After news about the landing of US Airways 1549 in the Hudson first broke on Twitter in January 2009, the microblogging service quickly captured the imagination of a new group of potential users. Throughout the first months of 2009, Twitter grew at a rapid pace, peaking at a growth rate of 13% in March 2009.

Now, however, according to the latest data from HubSpot, Twitter's growth is slowing dramatically. In October 2009, Twitter's growth rate had fallen to 3.5%. On a positive note, though, the average active user on Twitter today is more engaged than six months ago.

Why France and Germany Got it Right: IE Must Go

It looks like Microsoft has moved to the “sticks and stones” method for handling public relations gaffes. As we reported earlier this week, France joined Germany in suggesting that its citizens switch from Internet Explorer to, well, anything else. Now, Microsoft's UK security chief, Cliff Evans, has responded by saying that switching to other browsers will only open you up to more security vulnerabilities than staying with Internet Explorer.

That's saying a lot for the browser implicated in the Great Google Caper of 2010; and we have multiple security experts who have said a lot on why it just isn't true.

SEE MORE WEB PRODUCTS COVERAGE IN OUR PRODUCTS CATEGORY

That's a wrap for another week! Enjoy your weekend everyone.

Latest Legal <b>News</b>: Did Goldman Help Greece Fool Bond Investors <b>…</b>

A daily look at the legal <b>news</b> and business of law: Goldman Helped Greece Sell Bonds Without Disclosing Swap It Arranged In 2002, Goldman Sachs (GS) arranged a currency swap that raised $1 billion for Greece off its balance sheet.

The Real <b>News</b>: Yemen: The Real Conflict

Poverty, dictatorship & suppression of socialist movement till soil for extremist forces.

Organizing for America | Erica Sagrans's Blog: Morning <b>News</b>

Post from Erica Sagrans's Blog: Morning <b>News</b>. By Erica Sagrans - Feb 17th, 2010 at 10:41 am EST. Comments | Mail to a Friend | Report Objectionable Content. Today marks the one-year anniversary of President Obama signing the American …

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Theresa had a contract with Helio/Virgin Mobile that ended this month, putting her in a position to negotiate. She writes that by comparison shopping and politely asking for the customer retention department, she and her girlfriend were able to knock $35 per month off the bill for their family plan. Here's how she did it.

Just thought I'd share a success story about the power of being a smart, polite, well-informed consumer!

My girlfriend and I have a family cell phone plan with Helio (now owned by Virgin Mobile) and our two-year contract ended this January. We like our service, but we wanted to pay less. Our company was already offering a new phone or $20 off our bill per month, but I thought I could do better.

So we started shopping around. We found a comparable plan at metroPCS that would cost us about $30 less per month. I didn't want to end my service, but I know it's important to be well-educated about other offers.

I called Helio to see if they could give me a better deal. They offered me $25 off my bill each month instead of $20–not enough for me. They also offered free extra minutes, but I explained that we don't use up the few minutes we do buy each month, so that wouldn't help us. The customer service rep said they couldn't offer me anything more and I ended the call.

I called back a little while later and asked to speak to customer retention. Apparently that's the magic word! I was soon connected to a friendly, helpful customer service rep. I explained that we like our service, but found a better deal elsewhere, and we were thinking of cancelling. She quickly escalated their offer to $35 off our phone bill each month! We got to keep the service we like while paying much less, and we didn't even have to commit to a new one-year contract. My only regret is that I didn't try to hold out for even more.

Keys to my success, which I've learned from Consumerist
1. I was unfailingly polite but firm in what I wanted.
2. I had researched my options and was able to back up my threat to cancel with proof of a better offer.
3. I didn't give up before reaching someone with the power to give me what I wanted.
4. I didn't jump at the first offer I received.
5. I was nice to the service reps–after I got the final offer, I even asked to speak to the manager to praise the woman who had helped me.

New York Times Now Making Money

The New York Times Co. made money last year! A $20 million profit for 2009. Revenue fell more than 11% in the fourth quarter—but it's declining less than last year. Silver linings! Celebratory year-in-review internal memo below.

From: NYTIMES MAIL
Date: Wed, Feb 10, 2010 at 10:31 AM
Subject: On the Record from Arthur and Janet
To: NY TIMES INTERNET

Vol. 2 2010: Ending the Year Profitably

We are delighted to report that as a result of your dedication, courage and innovation, our Company ended the year profitably. As you can see in our earnings press release, 2009 ended far better than it began, with advertisers increasing their rate of spending across our newspapers, Web sites and other platforms during the fourth quarter. As we reported, operating profit increased both for the quarter and year.

Our fourth quarter and year-end numbers were a result of countless difficult decisions and sacrifices that were made at The New York Times, New England and Regional Media Groups and the About Group to restructure our cost base. We had to say goodbye to many colleagues and found ways to do our work more efficiently and productively.

As a result of all these actions, we have continued to reposition the Company to grow as a business while enhancing our ability to achieve our core mission: providing our audiences with high-quality news and information.

You have our gratitude for all we were able to achieve last year.

The fourth-quarter improvement in advertising trends was, of course, only part of the story. We also continued to aggressively pursue a long-term strategy that enhanced our Company financially and journalistically while providing new ways to compete in a media industry with proliferating news and information options. Specifically:

* We secured strong performance on costs by focusing relentlessly on increasing productivity and efficiency, achieving approximately $475 million in operating cost savings in 2009.

* We reduced the Company's debt by over $290 million to $769 million from its balance at the end of 2008. This means that our debt load is now far more manageable.

* We continued to diversify our revenue streams by introducing an array of new products and extending our reach to new audiences. Constant innovation and reinvention are core competencies for the Company, and we see examples of this wonderful digital creativity at all of our Web sites.

* We leveraged our brand strength to grow profitable circulation revenue, as we believe – and have been proven right – that continued strong user demand for our high-quality news and information is a testament to the value they provide.

* We also sold WQXR, our New York City classical radio station, for $45 million, and used the proceeds to reduce our outstanding debt.

With of all this said, revenues were still down for the quarter and year, and we are still in the midst of a challenging business environment. In almost every On the Record, we have talked about making the transition from a company that operated primarily in print to one that is increasingly digital and multiplatform in delivery. With that in mind, we wish to point out that online revenues are becoming a more important part of our mix, with Internet businesses contributing almost 14% of our total revenues and 22% of our ad revenues in 2009.

Last month, we announced that NYTimes.com has decided to introduce a new metered model in 2011 to create a second online revenue stream. We are already hard at work at executing this plan, and it is our expectation that this new effort will improve our ability to grow our Company.

Of course, the metered model will be one of our major 2010 initiatives, but there is more to do. While it would be helpful to have a greater sense of where the economy is heading, we are confident that we can build on our increasingly solid foundation. We will continue to streamline costs, strengthen our balance sheet and enhance our digital businesses. We recognize that the quality of our journalism is at the heart of our Company's success, but we also acknowledge that quality journalism can only survive as part of a profitable business organization.

For more information about our fourth-quarter earnings, please see the Company's release, available at http://www.nytco.com/investors.

Arthur and Janet

Send an email to Hamilton Nolan, the author of this post, at Hamilton@gawker.com.

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We all goof up. It's a fact of life. However, as has been said many times before, the key is to learn from our mistakes so we don't repeat them over and over again. Here are four personal financial mistakes to avoid and save yourself significant grief and loss of hard-earned dollars.

Not living within your means — Learn to live on less than you take in from your monthly income. You begin to dig yourself into a financial hole when you engage in “deficit spending” and buying on credit. Keep track of where your money goes, and how much you spend . Live on a cash basis for awhile if necessary. One simple, yet effective budgeting technique to help move you from “red” to “black” is to write down everything you spend your money on for a period of at least 30 days. You will be amazed at where your money goes, and just how much of it gets “frittered away” on needless spending. Use your recorded expenses to set up a simple monthly budget. It need not be overly complex, but make it sufficiently detailed so as to show your main expenses — housing, food, utilities, etc — and categories that you can cut back on without too much trouble — meals out, entertainment, luxury items not essential to day-to-day living. If you find you have money left to spend, congratulations! Now put that extra cash into savings!

Not saving, not putting anything back — Develop a savings habit. One of the best and easiest ways to do so is to arrange to have a given amount deducted from your paycheck each month (maybe buy a savings bond through payroll), or have your bank automatically transfer a given amount from your checking account to a simple savings passbook acccount. Consider opening a mutual fund account that will also automatically transfer money from your bank checking account to your mutual fund account. Start small, but by all means, do what you can to build your savings.

Letting your credit cards sabotage your financial well-being — Don't fall into the ever-so-easy debt trap. Eliminate all but one credit card, and make sure to pay off that balance in full every month. If this proves to be too difficult a goal to be met, then learn to get by without any credit cards for a given period of time until you can prove to yourself that you can handle debt responsibly.

Investing or speculating irresponsibly — Don't try to make a “big killing” in the stock, options, or futures markets over the short-term by speculating in high-risk financial products or commodities. Don't try to make quick profits by buying-and-selling over the short-term. Don't try to engage in day-trading if you decide to invest in the stock market. One simple, yet very effective investing strategy, is to invest a given amount on a regular basis each month. Consider investing in an index fund, exchange-traded fund, or diversified growth mutual fund over the long-term.

Good personal finance practices need not be complicated to be successful. Use your common sense, get help when you need it, and you will be well on your way to a positive cash flow and healthy balance sheet!

Source:

Glink, Ilyce R. 2001. Simple Things You Can Do to Improve Your Personal Finances. New York: Three Rivers Press.

<b>News</b> to know: Google Buzz, smartphones; Rhapsody; Win7; Adobe <b>…</b>

<b>News</b> to know: Here are today's notable headlines. You can get <b>News</b> To Know via email alert and RSS daily. For continuous updates are BNET'

FDA To Take Closer Look At Medical Radiation, Devices - Kaiser <b>…</b>

The Food and Drug Administration will step up oversight of three medical techniques in an effort to reduce patients' exposure to unnecessary radiation, including CT scans.

Stabroek <b>News</b> - Workers protest planned Air Jamaica sale to T&amp;T

Daily <b>News</b>, Sports, Business, Entertainment and more from Guyana.

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<b>News</b> to know: Google Buzz, smartphones; Rhapsody; Win7; Adobe <b>…</b>

<b>News</b> to know: Here are today's notable headlines. You can get <b>News</b> To Know via email alert and RSS daily. For continuous updates are BNET'

FDA To Take Closer Look At Medical Radiation, Devices - Kaiser <b>…</b>

The Food and Drug Administration will step up oversight of three medical techniques in an effort to reduce patients' exposure to unnecessary radiation, including CT scans.

Stabroek <b>News</b> - Workers protest planned Air Jamaica sale to T&amp;T

Daily <b>News</b>, Sports, Business, Entertainment and more from Guyana.

<b>News</b> to know: Google Buzz, smartphones; Rhapsody; Win7; Adobe <b>…</b>

<b>News</b> to know: Here are today's notable headlines. You can get <b>News</b> To Know via email alert and RSS daily. For continuous updates are BNET'

FDA To Take Closer Look At Medical Radiation, Devices - Kaiser <b>…</b>

The Food and Drug Administration will step up oversight of three medical techniques in an effort to reduce patients' exposure to unnecessary radiation, including CT scans.

Stabroek <b>News</b> - Workers protest planned Air Jamaica sale to T&amp;T

Daily <b>News</b>, Sports, Business, Entertainment and more from Guyana.

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Are You Tracking Your Budget, Cash Flow, and Net Worth? [Dumb Little Man] “Tracking your net worth on some sort of regular schedule is a must for anyone serious about decreasing debt and increasing wealth.”

11 moves to supercharge your finances [Smart Spending] “11 steps you can take to easily improve your finances in the coming year.”

The Damage of Card Rewards [NY Times] “It’s possible that the poor pay subsidies to finance the rewards of the affluent.”

How Poker Can Make You a Better Investor “Learn to avoid emotional traps by playing a little Texas hold ’em.”

The Future of Plastic: 5 Credit Trends for 2010 [Smart Money] “If 2009 was the year of hammering out credit-card reform, 2010 will be the year consumers feel the effects of those changes.”

— FREE MONEY FINANCE

Are You Tracking Your Budget, Cash Flow, and Net Worth? [Dumb Little Man] “Tracking your net worth on some sort of regular schedule is a must for anyone serious about decreasing debt and increasing wealth.”

11 moves to supercharge your finances [Smart Spending] “11 steps you can take to easily improve your finances in the coming year.”

The Damage of Card Rewards [NY Times] “It’s possible that the poor pay subsidies to finance the rewards of the affluent.”

How Poker Can Make You a Better Investor “Learn to avoid emotional traps by playing a little Texas hold ’em.”

The Future of Plastic: 5 Credit Trends for 2010 [Smart Money] “If 2009 was the year of hammering out credit-card reform, 2010 will be the year consumers feel the effects of those changes.”

— FREE MONEY FINANCE

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Steve Marmel: The Good <b>News</b> About Sarah Palin's Hypocritically Bad <b>…</b>

Never before has there been somebody so clearly hypocritical, so obviously agenda-based, and so unabashedly opportunistic in her demagoguery and indignation as Sarah Palin.

Daily <b>news</b> roundup: HTC Incredible photos, Nexus One and more <b>…</b>

Daily <b>news</b> roundup: HTC Incredible photos, Nexus One and more - Links to the biggest stories of the day in one place.

Gmail to Get Social <b>News</b> Feed: Report – GigaOM

Gmail to Get Social <b><b>News</b></b> Feed: Report – GigaOM internetreporter » Blog Archive » personal finance budgets February 8, 2010Tracked on. Gmail to Get Social <b><b>News</b></b> Feed: Report – GigaOM …

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A Google only your nightmares could love

Google has always been consider the one company that geeks could count on to be on the side of good in contrast to all those other tech companies that were considered evil. One has to wonder though if that well of goodwill is starting to seep away as Google gets into more and more businesses.

The Royal Pingdom blog had a post last week that detailed some of the ways that Google is indexing all of the information in the world with our help and at our expense – all in the name of getting something free. Here’s the abridged list of what they posted:

• Searches (web, images, news, blogs, etc.)
• Clicks on search results
• Web crawling
• Website analytics
• Ad serving
• Email
• Twitter
• Google Apps (Docs, Spreadsheets, Calendar etc)
• Google Public Profiles
• Orkut
• Google Public DNS
• Google’s Chrome browser
• Google Finance
• YouTube
• Google Translate
• Google Books
• Google Reader
• Feedburner
• Google Maps and Google Earth
• Your contact network
• Up and coming: Wave, ChromeOS, Nexus One

In other words Google has an incredible goldmine of data to be mined however they wish. We might be willing to appease ourself with the consolation prize for giving up all this information is that we are getting to use all this supposedly great software for free.

It’s amazing to consider what kind of value we place on our own data.

As scary as the facts might be Philipp Lenssen had what for the most part could be considered a science fiction short story. The only problem is that as with a lot of science fiction there is a very good chance of it coming true – especially when it comes to computers and society.

Pete logs onto his desktop computer. It’s a “dumb” netbook built by Google and called Google Chrome Superbook 5, with a fast startup time of 0.3 seconds, the point at which the Google engineers figured further optimizations were not useful, in terms of limitations of human perception. The mouse next to the computer is also made by Google. It includes some technical wizardry that Pete was happy to wait for when he ordered it online in the Google web store: the mouse automatically logs him into his Google account based on his fingerprint, skin color and more, falling back to a password prompt if anything’s off.

The netbook doesn’t contain a browser, at least, that’s not how people talk about it – the netbook is the browser, and every computer is a netbook, so people just call that thing they surf with “the computer” or “Google,” and nobody but web historians ever use the word browser anymore. The Google phone Nexus Nine is ringing, and Pete – without picking the phone up with his hand, but simply looking at the holographic 3D projection of his girlfriend shimmering above the phone – says “I’ll call you back later, got some things to do on my Google.”

That’s only the first two paragraphs – it gets a lot more nightmarish.

The reality is that Google has perfected the perfect Trojan Horse and we all seem to be more than willing to let it inside our personal walled gardens. The once science fiction of Google infiltrating our lives so completely really isn’t that far off and that is a nightmare in itself.

Shara Says:

January 12th, 2010 at 9:04 am

For those of you who want to know what extra payments on your loan will do go to bankrate.com. Go to their calculator section (at the top above the tabs) and look for ‘amortization calculator’. It is great to see what theoretical loans would cost, but if you know how to use it you can apply it to any existing loan as well. If you want to know how to input an existing loan just ask and I’ll walk you through it. You need the balance, interest rate, and payment or remaining time on the loan.

@Max

We DO have a program to help poor people buy homes. It’s called the FHA (Federal Housing Administration). It is administered by Fannie Mae and Freddie Mac, which are two quasi-government agencies. And recent events have shown us why they don’t work.

First let me explain, FHA loans are typically set at a price a little bit above the going rate for “great credit” people. But they are, sometimes significantly, lower than those for which most people qualify. They have significantly lower down payment and up front cost requirements and can bend some rules (such as allowing sellers to pay for closing costs, or using a third party’s money for down payment). This is a problem for two reasons: Without requiring a down payment the risk of a house being worth less than is owed is a significant risk, and people who can’t manage enough financial discipline to scrape together a down payment often don’t have the financial discipline to faithfully make their house payments.

In an ideal world people who are upside down on their mortgages would suck it up and keep paying as long as they could afford it. The reality is that many people would rather walk away, hand over the keys, and take the hit to their credit that bankruptcy will cause. The problem with a poor person as a credit risk is the same reason you want to help them: they have nothing to take away. Therefore you have no leverage to sue them and make them pay you what they owe you. I am a landlord and one thing I have learned is that people really want to do the right thing, but they have an infinite number of ways of justifying to themselves that something dishonest is okay. I had one lady argue that I shouldn’t have evicted her because her HUSBAND was the one who wasn’t paying the rent. I used to think that kind of convoluted logic was crazy, but I have found most people are more than capable of twisting ‘right’ to magically be whatever they want at the time.

Second, I know more than a handful of poor people. Most of the people I know who are perpetually poor are so because they make really bad choices. Sad to say, many of them do drugs that precludes them from being successful. The middle class (both upper and lower) people I know who are scraping by and have no money to buy a house are doing so because they can’t manage money. These are the people who break a leg and have to take a week off without pay and suddenly can’t make their bills. Not because they don’t make enough, but because there is nothing there left at the end of the month in case of emergency. If it’s there it’s spent.

I don’t want any of these people as homeowners. You can’t know until you own a house what a big responsibility it is. Everyone I know who has bought a house has had a learning curve much like a new parent, of “This is MY responsibility?!” and “I had no idea how much this would cost!” Even if you plan for it, you don’t understand until the bill’s in front of you.

As far as poor people having housing, there are a number of housing assistance programs available, the most prominent being section 8. Section 8 is a program that pays a percentage of the rent for a poor person, depending on the size of the family and how poor they are. I have talked to tenants that were 50% covered, a neighbor of mine was 100% covered, and I know people on the waiting list. The waiting list in typically quite long because there are a lot of people who want help paying their bills.

And this brings us to the crux of the matter, which is how much assistance to offer. The reason many of us are anti-socialist is because while it is great to want everyone to be happy, healthy, well fed, educated, and have a nice house, these things cost money. It costs me nothing to allow you free speech, but if you want food someone has to produce it and that person must be compensated. And if the compensation is coming from me instead of you what is your motivation to produce anything for yourself? You know the saying about giving a man a fish versus teaching a man to fish?

I am with Kevin that there are things that our government is designed to do: national defense, freeways, international treaties. And things that our federal government is NOT designed to do. Housing assistance is one of them. But that doesn’t mean I think no one should get an assistance, I just don’t think it is the job of the federal government, because a bureaucracy of that size has a really hard time administering such benefits, programs of that size are just asking to be cesspools of waste, fraud, and abuse, and as the concerns lately about INFLATION (remember that word? ;)) show, the federal government can print their own money if they get in trouble.

I think there are people who deserve housing assistance: The severely mentally retarded, people with mental illness, people with severe physical limitations, etc. But if you can’t BUY a house on your own then you shouldn’t be doing it. You either don’t make enough to survive the ups and downs of the market, or you aren’t mature enough to own a house. In this case there is a GREAT alternative: renting.

Earlier this week I had lunch with Josh Stein, an intellectually curious and gifted sophomore attending Fresno State University. Stein's myriad interests include the intersection between religion and science.

A little known ritual observed by liberals, we must bash conservatives for 10 minutes before eating — it helps the digestive system process and absorb nutrients.

It was during this period of the lunch, when the tragedy of the recent earthquake that struck Haiti came up, I sarcastically quipped: “It's a matter of time before someone suggests that God caused the earthquake in Haiti as punishment for something.”

Stein, quickly responded, “It has already happened, Pat Robertson said something to that effect this morning.” 
After lunch, clips of televangelist Robertson's theological utterances (and I use that term very loosely) on his 700 Club broadcast had already bombarded my email inbox.

As the number appeared below the screen for those who wanted to send money for earthquake relief, Robertson offered this dispassionate observation:

Something happened a long time ago in Haiti, and the people might not want to talk about it. They were under the heel of the French. And they (Haitians) got together and swore a pact to the Devil. They said, 'we will serve you if you get us free from the French,' true story. And so the Devil said, 'Okay it's a deal!'

What is it with televangelist and tragedy? I remember when Jerry Falwell, on the heels of 9/11 with Robertson playing the role of Ed McMahon stated:

I really believe that the pagans, and the abortionists, and the feminists, and the gays and the lesbians who are actively trying to make that an alternative lifestyle, the ACLU, People For the American Way — all of them who have tried to secularize America — I point the finger in their face and say “you helped this happen.”

It is always problematic when any type of religious discourse offers definitive answers to the complexities of the human condition.

The so-called deal with the Devil that Robertson refers is the Haitian Revolution (1791-1804). If we momentarily suspend reality by granting Robertson's' words a scintilla of legitimacy, is he suggesting the only way Haitians could act on the most basic instinct humans possess, which is the freedom guaranteed by self-determination, was to enter into agreement with Satan?

This leaves us to conclude that God was siding with the French and their desires to occupy and enslave a foreign land.

The U.S. has its own dubious relationship with Haiti. It overlooked the brutality administered by Haitian President Jean-Claude Duvalier (Papa Doc) against his own people as a Cold War price that had to be paid, given he was a staunch anti-communist.

Papa Doc and his son, Baby Doc, are on the short list of the most brutal dictators the U.S. tolerated in the Western Hemisphere during the Cold War era. Using Robertson's thinking, for the U.S. to be given a pass by God in its dealing with Haiti, would also suggest the almighty is a proponent of realpolitik.

It is this type of Neanderthal thinking as it relates to theology that justified Manifest Destiny, The Trail of Tears, African American chattel slavery, as well as other atrocities under the pseudonym progress.

But Robertson's comments raise another question: Why is it God's wrath is seemingly reserved for the poorest nations in the world?

How is it that Wall Street has been spared from floods as well as infestations of locust, frogs, livestock death, boils, darkness, and the death of its firstborn?

What does Robertson's remarks say about those who, long before this tragic earthquake occurred, consistently gave of themselves to provide aid to Haiti?

At the time of this writing, I personally know people who were in Haiti when the earthquake occurred and they have yet to be in contact with their families in America. If the worst has indeed happened, why would God smite those whose only intent was to bring comfort to the least of these?

Haiti needs financial and physical resources not uninformed heretics offering irrational theological explanations to events requiring a scientific response. I'm quite certain it was a sudden release of energy from the Earth's crust creating seismic waves in 2010 that had more to do with the earthquake in Haiti than some alleged satanic pact in 1791.

Don't you just love it when a good story sneaks in just quietly enough to not re-ruffle any feathers on a never-ending debate?

Quick, someone alert Congress and the radio talk shows that thrive on good photo ops and plenty of irate callers.

The NCAA is handing out huge chunks of cash to teams and conferences NOT part of an oft-demanded Division 1 playoff.

Go ahead. Bellow all you want. They'll just hunker down behind ivy-covered doors amid peals of their own laughter. After all, every time you scream for it, every time lawmakers waste taxpayer money ranting about it, and every time we as reporters talk about it, they can just see the TV ratings heading even farther north.

Please bring me another blank bank deposit clip, Ms. Admin. The one with room for LOTS of zeroes.

The five conferences that don't get automatic bids to the current party are of late the driving forces in this passion play, but the NCAA knows how to stifle them for the time being at least.

Here's a collective check for $24 million, guys. Now go away and play nice until next season.

That number is a record payout for teams from the Mountain West, Western Athletic Conference, and others who for the most part neither receive nor deserve much attention for a National Championship. Almost $10M to the Mountain West and around $8M for the WAC, if you're counting.

I already hear the howls from those who point out that these payoffs…er, payouts….are well behind the amount of cash doled out to the major conferences. For instance, just a tad over $22M to both the Big Ten and the SEC, just shy of $18M going to the remaining leagues.

And that is as it should be, frankly. The major conferences consistently play much tougher schedules than their minor cousins and produce the whopping share of profits. That is just a by-product of being in Conferences where the level of competition is higher, the players are more talented, and the TV contracts are a whole lot larger thanks to more populated broadcast markets.

That's not a slam against those other Conferences. It's just a simple fact that one day may change, but for now is the rule rather than the exception.

Hold that verbal brickbat for a moment because I know where you're going. Boise State and TCU did provide one of the more exciting post-season games at the Fiesta Bowl. Yes, the Broncos did go 14-0 and deserve to be lauded for the achievement. Face it, going unbeaten in almost any league is something to note and be proud of.

But it's because of the overall competition level in those minor Conferences that, and again this is for the present, dooms them to being a secondary consideration in the push to create that playoff system. The NCAA overlords are least interested in a Conference's competitive nature than they are about the TV markets reached, the broadcast revenue that can be realized, and the National reach of a team into the wallets of advertisers.

Which dovetails nicely into the main issue. The never-ending cry for a college football playoff system in Division 1 and why begging, pleading, cajoling, and threatening legal action by lawmakers who should be more concerned with larger issues, will do zero to budge the NCAA.

As long as the current system keeps paying off in record bank account deposits, there is no push to mess with what works and keeps everyone concerned swimming in deep gravy.

And this news about record payouts to everyone involved makes the point in what counts to the NCAA.

Common cents instead of common sense. And dollars. Lots of them.

The sponsors are thrilled and making money, even in time of recession. The schools are wading in cash and even allowing their smaller brethren to jump in for a dip. Coaches are hitting the register for lot of zeroes at then end of their contract. The TV networks devour the controversy that drives people to watch the games while charging for every set of eyeballs. And the players get an education, meals at the training table, all the permissible (and sometimes not so permissible) freebies they can handle.

All is right where the NCAA wants it to be.

So why should they listen to you or anyone else when this haggard debate is dredged up yet again by those who want what they can't have?

You'll keep watching what they and their member schools deliver because you're a dedicated fan. You'll order more memorabilia and NCAA approved clothing to show your loyalty. And you will carry that banner despite lousy records, overpaid coaches, recruiting scandals and players tossed into jail on everything from felony charges to reams of parking citations.

Which means there will be no playoff system until the NCAA decides the time is right.

Or until they can make more money. A LOT more money.

Which in reality is exactly the same thing.

Ed Berliner is represented by Entourage Management. All of his National sports columns can be read by clicking here.

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Earlier this week I had lunch with Josh Stein, an intellectually curious and gifted sophomore attending Fresno State University. Stein's myriad interests include the intersection between religion and science.

A little known ritual observed by liberals, we must bash conservatives for 10 minutes before eating — it helps the digestive system process and absorb nutrients.

It was during this period of the lunch, when the tragedy of the recent earthquake that struck Haiti came up, I sarcastically quipped: “It's a matter of time before someone suggests that God caused the earthquake in Haiti as punishment for something.”

Stein, quickly responded, “It has already happened, Pat Robertson said something to that effect this morning.” 
After lunch, clips of televangelist Robertson's theological utterances (and I use that term very loosely) on his 700 Club broadcast had already bombarded my email inbox.

As the number appeared below the screen for those who wanted to send money for earthquake relief, Robertson offered this dispassionate observation:

Something happened a long time ago in Haiti, and the people might not want to talk about it. They were under the heel of the French. And they (Haitians) got together and swore a pact to the Devil. They said, 'we will serve you if you get us free from the French,' true story. And so the Devil said, 'Okay it's a deal!'

What is it with televangelist and tragedy? I remember when Jerry Falwell, on the heels of 9/11 with Robertson playing the role of Ed McMahon stated:

I really believe that the pagans, and the abortionists, and the feminists, and the gays and the lesbians who are actively trying to make that an alternative lifestyle, the ACLU, People For the American Way — all of them who have tried to secularize America — I point the finger in their face and say “you helped this happen.”

It is always problematic when any type of religious discourse offers definitive answers to the complexities of the human condition.

The so-called deal with the Devil that Robertson refers is the Haitian Revolution (1791-1804). If we momentarily suspend reality by granting Robertson's' words a scintilla of legitimacy, is he suggesting the only way Haitians could act on the most basic instinct humans possess, which is the freedom guaranteed by self-determination, was to enter into agreement with Satan?

This leaves us to conclude that God was siding with the French and their desires to occupy and enslave a foreign land.

The U.S. has its own dubious relationship with Haiti. It overlooked the brutality administered by Haitian President Jean-Claude Duvalier (Papa Doc) against his own people as a Cold War price that had to be paid, given he was a staunch anti-communist.

Papa Doc and his son, Baby Doc, are on the short list of the most brutal dictators the U.S. tolerated in the Western Hemisphere during the Cold War era. Using Robertson's thinking, for the U.S. to be given a pass by God in its dealing with Haiti, would also suggest the almighty is a proponent of realpolitik.

It is this type of Neanderthal thinking as it relates to theology that justified Manifest Destiny, The Trail of Tears, African American chattel slavery, as well as other atrocities under the pseudonym progress.

But Robertson's comments raise another question: Why is it God's wrath is seemingly reserved for the poorest nations in the world?

How is it that Wall Street has been spared from floods as well as infestations of locust, frogs, livestock death, boils, darkness, and the death of its firstborn?

What does Robertson's remarks say about those who, long before this tragic earthquake occurred, consistently gave of themselves to provide aid to Haiti?

At the time of this writing, I personally know people who were in Haiti when the earthquake occurred and they have yet to be in contact with their families in America. If the worst has indeed happened, why would God smite those whose only intent was to bring comfort to the least of these?

Haiti needs financial and physical resources not uninformed heretics offering irrational theological explanations to events requiring a scientific response. I'm quite certain it was a sudden release of energy from the Earth's crust creating seismic waves in 2010 that had more to do with the earthquake in Haiti than some alleged satanic pact in 1791.

Don't you just love it when a good story sneaks in just quietly enough to not re-ruffle any feathers on a never-ending debate?

Quick, someone alert Congress and the radio talk shows that thrive on good photo ops and plenty of irate callers.

The NCAA is handing out huge chunks of cash to teams and conferences NOT part of an oft-demanded Division 1 playoff.

Go ahead. Bellow all you want. They'll just hunker down behind ivy-covered doors amid peals of their own laughter. After all, every time you scream for it, every time lawmakers waste taxpayer money ranting about it, and every time we as reporters talk about it, they can just see the TV ratings heading even farther north.

Please bring me another blank bank deposit clip, Ms. Admin. The one with room for LOTS of zeroes.

The five conferences that don't get automatic bids to the current party are of late the driving forces in this passion play, but the NCAA knows how to stifle them for the time being at least.

Here's a collective check for $24 million, guys. Now go away and play nice until next season.

That number is a record payout for teams from the Mountain West, Western Athletic Conference, and others who for the most part neither receive nor deserve much attention for a National Championship. Almost $10M to the Mountain West and around $8M for the WAC, if you're counting.

I already hear the howls from those who point out that these payoffs…er, payouts….are well behind the amount of cash doled out to the major conferences. For instance, just a tad over $22M to both the Big Ten and the SEC, just shy of $18M going to the remaining leagues.

And that is as it should be, frankly. The major conferences consistently play much tougher schedules than their minor cousins and produce the whopping share of profits. That is just a by-product of being in Conferences where the level of competition is higher, the players are more talented, and the TV contracts are a whole lot larger thanks to more populated broadcast markets.

That's not a slam against those other Conferences. It's just a simple fact that one day may change, but for now is the rule rather than the exception.

Hold that verbal brickbat for a moment because I know where you're going. Boise State and TCU did provide one of the more exciting post-season games at the Fiesta Bowl. Yes, the Broncos did go 14-0 and deserve to be lauded for the achievement. Face it, going unbeaten in almost any league is something to note and be proud of.

But it's because of the overall competition level in those minor Conferences that, and again this is for the present, dooms them to being a secondary consideration in the push to create that playoff system. The NCAA overlords are least interested in a Conference's competitive nature than they are about the TV markets reached, the broadcast revenue that can be realized, and the National reach of a team into the wallets of advertisers.

Which dovetails nicely into the main issue. The never-ending cry for a college football playoff system in Division 1 and why begging, pleading, cajoling, and threatening legal action by lawmakers who should be more concerned with larger issues, will do zero to budge the NCAA.

As long as the current system keeps paying off in record bank account deposits, there is no push to mess with what works and keeps everyone concerned swimming in deep gravy.

And this news about record payouts to everyone involved makes the point in what counts to the NCAA.

Common cents instead of common sense. And dollars. Lots of them.

The sponsors are thrilled and making money, even in time of recession. The schools are wading in cash and even allowing their smaller brethren to jump in for a dip. Coaches are hitting the register for lot of zeroes at then end of their contract. The TV networks devour the controversy that drives people to watch the games while charging for every set of eyeballs. And the players get an education, meals at the training table, all the permissible (and sometimes not so permissible) freebies they can handle.

All is right where the NCAA wants it to be.

So why should they listen to you or anyone else when this haggard debate is dredged up yet again by those who want what they can't have?

You'll keep watching what they and their member schools deliver because you're a dedicated fan. You'll order more memorabilia and NCAA approved clothing to show your loyalty. And you will carry that banner despite lousy records, overpaid coaches, recruiting scandals and players tossed into jail on everything from felony charges to reams of parking citations.

Which means there will be no playoff system until the NCAA decides the time is right.

Or until they can make more money. A LOT more money.

Which in reality is exactly the same thing.

Ed Berliner is represented by Entourage Management. All of his National sports columns can be read by clicking here.

Hot Air » Blog Archive » Great <b>news</b>: Fiorina's campaign promising <b>…</b>

Great <b>news</b>: Fiorina's campaign promising ads even freaky deakier than “demon sheep”

Facebook Is Already The World's Largest <b>News</b> Reader

When Marshall Kirkpatrick posted the other day that Facebook could become the largest <b>news</b> reader I had an inkling that it already was. Today, new data released from Hitwise confirms my suspicions: Facebook is indeed the largest <b>news</b> …

<b>News</b> Ticker: Weezer, The Strokes, Pavement, Men at Work : Rolling <b>…</b>

<b>News</b> Ticker: Weezer, The Strokes, Pavement, Men at Work. 2/4/10, 8:33 am EST. Photo: Moore/WireImage. Unreleased Weezer, Ween, the Donnas and more tracks are up for pay-what-you-want download to raise money for cancer research via …

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The Top 4 Things Congressional Republicans Must Do in 2010 – Part II

by

Thomas Del Beccaro

The 2010 elections represent an enormous opportunity for Congressional Republicans.  As I pointed out in Part I of this series,  The Lessons of ’66 and ’94 Loom Over the Democrats, the average loss for the President’s Party, when the President’s approval rating is below 50%, is 40+ House seats. The past, however, is no guarantee of the future – just a possible guide.  If Republicans are to realize the full potential of this election, they will need to overhaul their recent election strategies.

The Top 4 changes they should employ are:

4.  Oppose.  It has long been said that the first duty of the opposition is to oppose.  Given that the outset of 2010 will be dominated by the health care bill which will then give way to a pork barrel “jobs” (read government jobs) bill and then on to cap and trade, immigration/amnesty and then taxes – Congressional Republicans will have ample opportunity to oppose the Democrats’ bad policies.  More than merely oppose them, however, the magnitude of the “Change” being pushed by the Democrats requires the Congressional Republicans to demonstrate valor and determination in defeating those measures as if the Constitution depended upon it – because it does.

3.  Propose.  As important as it will be to oppose the bad policies, merely being the Party of No is never a good strategy.  Republicans must propose specific and credible alternatives to the Democrat polices on health care, the jobs bill, cap and trade, immigration and tax bills.  To date, Republicans have authored a myriad of counter proposals – but no clear alternatives have emerged which demonstrate a clear governing philosophy let alone a united party.  To be successful in 2010, egos must be set aside in favor of unity – the stakes are too high to proceed otherwise.

2. An Agenda.   Republicans must propose a clear and concise Agenda for the 2010 Congressional candidates.  Successful leaders, at all levels, tell people why they want to lead and where they want to go – political leaders included.  In other words, a succinct vehicle like a Contract With America must be employed in 2010 which tackles the salient issues of the day: our weak economy, high taxes and out of control spending.  Given that over 60% of Americans correctly believe that lower taxes will revive the economy more than government spending, Republicans should start with tax relief in addition to (a) a ban on earmarks, (b) making Congress subject to the same laws as Americans, and (c) cost/benefit analyses for new and existing laws.

1.  Marketing.  Marketing is everything.  You can have the best idea in the world, if your consumers don’t know it, or don’t know it’s yours, then that idea will go nowhere.  Poor ideas have overcome better ideas though marketing – witness VHS over Beta.  Even silly ideas have made millions based on marketing, i.e. the Pet Rock.  Sadly, it is not hyperbole to say that Republicans market their ideas poorly.

The key to marketing is consistency and regularity of messaging.  So the first step for Republicans is developing that 2010 Agenda.  Second, they must consistently communicate that Agenda – much like they did the Contract with America – by having each candidate for Congress run on that Agenda.

Third, they must market that consistent message on a regular basis.  One important reason Coke is among the best brands in the world is because its image is nearly identical to its image of 100 years ago.  Consistency and regularity.

Fourth – and this is critical – Republicans must completely change the method by which they communicate with Americans.  Long ago the White House controlled the bully pulpit because there were but a few media outlets.  That is not true today.

No longer can Republicans work through the old media or by talking to Washington reporters.  They must talk directly to American voters through cable town halls, tele-town halls, talk radio, the Internet,  Facebook, Twitter and more – but not from Washington. In 2010, Republicans should hold at least 25 regional televised town halls and tele-townhalls in Des Moines, Raleigh, Denver and Columbus, using local TV stations not national, and combine those events with coordinated talk radio/Internet messaging along with “watch parties” and voter registration drives.

All in all, the potential of this election lies not in the power of Washington but in the hands of the American people.  They want answers not speeches, leadership not politics.  If Republicans understand that, then 2010 will bring lasting change not to mention a new Congress.

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Tags: Congressional Republicans, Contract with America, Facebook, midterm elections, new media, outside the beltway, tele-town halls, Twitter
Posted Jan 19th 2010 at 5:38 am in Congress, Featured Story, Politics, State Politics |

61334138 Commentshttp://biggovernment.com/2010/01/19/the-top-4-things-congressional-republicans-must-do-in-2010-part-ii/The+Top+4+Things+Congressional+Republicans+Must+Do+in+2010+-+Part+II2010-01-19+13%3A38%3A56Thomas+Del+Beccaro

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"There was a lot more interest in connecting products to the Internet this CES over 2009," according to Arrayent Vice President of Sales and Marketing Bob Dahlberg. He told ReadWriteWeb that there were two segments in particular that were interested in Arrayent's system.

The first was "greener home / home automation suppliers in the z-wave / zigbee camp," who are looking for ways to connect their customers' home LANs to remote diagnosis and repair suppliers.

The second use case Arrayent saw at CES was companies in the home health monitoring space, who were looking for a way to "connect their products to web based applications such as Google Health, Microsoft HealthVault or health provider's system."

A big part of Arrayent's marketing pitch is that it is a lower cost alternative to connecting products to the Internet. According to the company, it is "1/3 to 1/10 the cost of alternative (piece part) solutions."

Arrayent hangs its marketing hat on the emerging trend of Internet-connected consumer appliances. As other examples of this trend, Arrayent notes Amazon's Kindle, Apple's iTouch, Nordic Track's iFit and Schlage's home automation product LiNK (mentioned in this August 2009 post).

The company has identified the following applications as potential markets for it to pursue:

• Energy and water monitoring and control from a smartphone or web browser.
• Home control (door locks, home security, window shades, smoke alarms, pipe freeze alarm, flood alarms, power strips, thermostats, appliances.)
• Toys and entertainment devices such as e-book readers, personalized radio, and connected physical toys.
• Home health and presence monitoring that connect patients to doctors and family members.
• Automobile location services, remote control access, and engine monitoring.

Arrayent is an interesting company, because it has correctly identified a gap in the massive consumer products market. According to the company, most consumer product companies "lack Internet-connect expertise." I agree with that assessment and think that Arrayent is positioning itself well to provide that expertise.

Given the potential of Internet of Things to revolutionize consumer products - because a great many more products will become Internet-connected in the coming years - we're picking Arrayent as one to watch.

Today, we found out what the latest mysterious and life-changing product from Apple — the heralded multi-purpose new “Tablet” e-reader — would be called.

It’s called the iPad.

Is it just us, or does that remind you of stocking up on Kotex?

Trick question: It’s not just us. It’s the ENTIRE INTERNET.

“iTampon” has been trending on Twitter since the announcement, even at one point hitting #1. Since I started writing this post, it’s been mentioned over 9,000 times. Yes, yes the iPad might save the print industry, but did you hear how absorbent it is?

No, seriously. I don’t know a woman who hasn’t giggled over this, but also been gobsmacked that Apple could possibly have picked this name. As NPR’s Alicia Shepard — and countless other women — wondered on Twitter: “ipad? where were the women when this name was discussed?”

Obviously not in the room, because if they had been, it probably would have gone a little differently than Steve Jobs saying, “Hey! iPad! Sounds great!” and then calling a press conference.

Instead, Jobs launched a product that may be awesome, but immediately became an even more awesome punch line (“You can go everywhere with it, but NOT IN THE POOL!“). Still, it’s forced the geekosphere to not only consider, but embrace the monthly realities of all women, and that can only be a good thing. Seriously, dudes, get over it. I’m pretty sure your mom had her period, too.

But back to the iPad! Here’s a list of some handy, super-cool features:

• It has a super-cute pink scented carry case that fits discreetly in your purse.

• When your iPad spends a lot of time with other iPads, they sync up.
• If your iPad gets cranky, it’s not your iPad’s fault. But you should probably shut the f**k up and stop being so annoying.
• If you take your iPad with you in the ocean, you’re more likely to get eaten by a shark.
• Your iPad is a beautiful, natural part of life and is one of God’s great gifts. Do not be ashamed.
• If your iPad is making you feel sick, perhaps they have a remedy at Research in Motrin.

Haaa. Research In Motrin! Get it? That may be the geekiest joke I’ve ever made.

Anyhow — no clue which marketing genius came up with this, but it’s certainly made me proud to be a woman. I will probably buy an iPad…when they make ‘em in red. Now please enjoy this larger version of Steve Jobs presenting a giant Kotex.

Related:
8 Reasons Women Should Be Excited for the iPad
Some Thoughts on the Coming iPad Backlash [Daily Intel]
The iPad: Pros and Cons

Related in Typical Balkian Thoughtfulness:
Barack Obama Is Your New iPad [The Awl]

Related in Freshness, from MADtv:

***Winged illustration by Philip Bump, who really understands women.

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Article marketing is definitely the best way for any business to get massive amounts of exposure in the internet. By doing so you will start to understand why article marketing is the sure fire method of building a profitable business online.   Article marketing is one of the most powerful and targeted internet marketing strategies for driving traffic and gaining sales in your online home based business. Article marketing is a very effective tool in internet marketing.  Article marketing is your best method to get known as a specialist in your field.   The great thing about article marketing is that it will continue to bring traffic weather you continue to write articles or not.  Article marketing is a fantastic way to build an internet business and satisfy customers at the same time.  Article marketing is a great and easy way to break into internet marketing and to get you some very cheap exposure.     Article marketing is a long term approach to getting traffic and making money on the internet.  Article marketing is a website promotion and online marketing bargain!  Conversion to sales is through article marketing is still does this more effectively than other marketing methods.       Article marketing is much more suited to building that medium sized but loyal audience of repeat visitors and customers because of the ability to make a positive impression before readers visit your blog.  Article marketing is certainly the best ways to build back links and increase your site traffic, but if on one hand you can increase drastically your site traffic, on the other hand, submitting the same article to hundreds of directories you come across google as duplicate content.Article marketing is making the right use of the keywords in your content so that when one uses those keywords, he or she lands up directly at your article in the article directory.       Article submitter – top article marketing software for automated submission  by k singharticle marketing is a proven method to drive massive traffic to your website and make money online. Article marketing is a method of advertising which a lot of companies are writing short articles related to a specific niche.  Compared to ppc or pay per click advertising which can burn a hole in the pocket, article marketing is an equally effective means of advertising and a free one at that too.   In conclusion, you really can not do any better for promoting your business or website than you can by writing tantalizing article.

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   Make article marketing easier with these tips: article marketing is an exceptionally powerful marketing strategy. Whether you are brand new to article marketing or you’ve been doing it for a while, one thing is for sure, article marketing is one of the most dynamic and ever-changing methods of website promotion on the internet today.  Article marketing is technique that allows you to drive  highly qualified visitors to  your affiliate links without having to shell out any money for advertising.

   Article marketing is much more suited to building that medium sized but loyal audience of repeat visitors and customers because of the ability to make a positive impression before readers visit your blog.  Article marketing is a cheap way to compete with big authority website.The principal function of article marketing is to build one way links back to your web site, grow traffic and conversions. 

  If you have no website but you want to promote your affiliate product, then seo for article marketing is important to you for your affiliate marketing. Article marketing is one of the best methods to create some true organic search engine listings. To understand why, you need to understand why article marketing is worth our time in the first place.

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After creating an internet business, it is now time to share my knowledge and recommendations. I have been through a lot in the past year and you will benefit through my experience.

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The Marketing Puzzle:

How fast your business will grow depends on a number of factors. The time you devote to the project, the money you spend and the marketing strategies you impliment are all part of the big puzzle called marketing. If you already have a business, the same factors would apply for your business to continue to grow. As an example, you can\’t build a house with just a hammer. You can add a hand saw and the job becomes simpler. Add to your tool box a square and the job begins to make some sense. The same tools used to build a simple house is not adequate to build a skyscraper that towers hundreds of feet above the city skyline. What is the point here? Very simple….it takes the effort and proper tools to build a successful, profitable online business.

Internet Marketing:

We\’ve shared with you before the meaning of the term Internet Marketing, however, I think it\’s worth repeating. The internet marketing means different things to different people, so take the part that applies to you and use it to your advantage.

Wikipedia, the free encyclopedia says:

\”Internet marketing, also referred to as online marketing or Emarketing, is the marketing of products or services over the Internet. The Internet has brought many unique benefits to marketing including low costs in distributing information and media to a global audience. The interactive nature of Internet marketing, both in terms of instant response, and in eliciting response, are unique qualities of the medium. Internet marketing ties together creative and technical aspects of the internet, including design, development, advertising and sales. Internet marketing methods include search engine marketing, display advertising, e-mail marketing, affiliate marketing, interactive advertising, blog marketing, and viral marketing.

Internet marketing is the process of growing and promoting an organization using online media. Internet marketing does not simply mean \’building a website\’ or \’promoting a website\’. Somewhere behind that website is a real organization with real goals.

Internet marketing strategy includes all aspects of online advertising products, services, and websites, including market research, email marketing, and direct sales.\”

Learning Process:

Just having a computer and knowing how to write emails, play games, text message and all the other normal things one might do on the computer is not adequate knowledge to build an effective business on line. You must commit your time and efforts to become efficient in marketing. Where do you learn such information? Let me share with you a few strategies that will help you in your marketing efforts and make this learning process much easier to grasp.

Training Available:

There are online tutorials and recorded classes available that you can use to self study and learn how to do a multitude of different chores on the internet. Without the knowledge of what you need to learn with regard to internet marketing you will waste a huge amount of valuable time on learning various programs that will have absolutely no bearing on your goals of promoting on the internet. Knowledge is important, however, you must channel those efforts in areas where it will be profitable in your long range goals of successful marketing. These goals must be your personal goals and nobody elses.

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Internet marketing is the business in the full swing! Start your internet marketing now or never! You have to be with internet marketing dealing now because it is your chance to get money now! You have to be art person, you are able to be a journalist, a designer, you are able to be everybody – all you need is a wish to deal with internet marketing. You need to be with internet marketing because this kind of business is the most popular, is the most well-do and the weirdest! Why do you have to deal with internet marketing? Ok, you are able to deal with your own business just now. Are not you sure you are able to be with internet marketing just now? There is no problems at all! You are able to deal with online business some time later. Just read the tips and look through the hints you need to know about internet marketing. Why you have to be with internet marketing? You need to be with this kind of business because it is the straight way to have got lots of clients. All the users of the world wide web are your clients and customers because there are many people who need advertizing and advertizing messages to be with popularity and well-known options. They are not only owners of different companies and corps, they are simple people who may be want to set up their blogs and to up views. You will be so happy dealing with online internet marketing because you will have got money and tips, you will meet partners and friends you want to deal with, you are able to deal with online and internet marketing because there is no exception for you. If you need something to be with internet marketing – click the link in the footer of the article to get more about. Internet marketing is the most popular thing among lots of things in the word wide web because you are able to be delighted with it, you are able to get money and you can deal with self-business or to deal with partners.

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