Wednesday, February 9, 2011

How to Making Money






A report to be released from Goldman Sachs today will not only disclose some details about how the secretive firm operates and plans to change their operations in the future — as required by the Business Standards Committee established by CEO Lloyd Blankfein in response to the SEC lawsuit against the them — it "will disclose more about how it makes money," according to Bloomberg News. Of course, it will likely contain only a little bit of information to this effect, seeing as it is only 63 pages, most of which will likely be self-justifying defenses of their existing business model, and because Goldman doesn't give anything away that easily, especially not to "mollify their critics," per the Journal. If you really want to find out how Goldman makes money, you're going to have to look closely.



First, you're going to have to identify and decipher the secret code hidden within the paper, which will lead you to a map located underneath the floorboards of an out-of-the-way cabin, which will lead you to a musty castle in the basement of which sits a nervous owl with a capsule on its foot. The capsule, if you are lucky enough to soothe the owl long enough to remove it, will contain a password to a trap door, which, will lead you to an old but powerful woman who will ask you a series of questions, such as: "If you were shrunk to the size of a pencil and put in a blender, how would you get out?" After that, you must pass through an area of extreme heat, an area of extreme cold, and swim 40 lengths through a pool full of Mischievously Tickling Goldfish. Only then you will find the secret, which will be some variation of the fact that the company buys stuff cheap and sells it for more money.




We’ve been promised for a while now that our phones will become our personal assistants. Executives from Cambridge, Mass.-based Vlingo sat down with me this week to talk about how they’ve delivered on that promise — and started turning it into real revenue.


It seems like all the big guys are trying to get into this business. The incentive, as a Googler put it when the company launched a similar service last year, is that voice is much more natural than typing as a way to interact with your phone. Apple, meanwhile, showed its interest by acquiring a startup called Siri. And Microsoft included voice commands on Windows Phone 7.


The difference, according to Vlingo’s vice president of business Hadley Harris, is that the startup has built all its basic technology, including speech recognition (something that Siri outsourced) and the “intent engine” that allows the app to translate your words into actions that it understands. Vlingo is working with other companies to integrate a wide range of apps into the system, so that you can use your voice to buy a plane ticket off travel site Kayak or check your updates on Facebook.


Vlingo has been downloaded 7 million times, Harris said. BlackBerry users represent most of those downloads, since that’s the phone that Vlingo focused on first, but iPhone and especially Android are catching up. The company’s strategy is to release new features on Android first, then port them to other phones as resources and technology allow.


The app is free, so Vlingo makes money through advertising and revenue sharing with its partners. Specifically, Harris told me it currently earns $7.74 for every 1,000 Web searches, $49 for every 1,000 local searches, and $24 for every 1,000 “other” monetizable actions, such as a ticket purchase on Kayak. With users performing an average of 30 actions every month, Harris said Vlingo is making about 14 cents per user per month.


That might seem a little low, Harris acknowledged, but the plan is to dramatically increase both the number of users and the number of actions over the next year. Most promisingly, he said Vlingo has made deals with a number of Android handset manufacturers who don’t want to direct all of their usage to Google services. (He said it’s too early to reveal who the manufacturers are.) Not only will that put Vlingo on more phones, it will also make the application more prominent on those phones by turning it into the default app whenever you want to use voice commands.



Next Story: Why display ads are cool again Previous Story: Gamification gets popular, but it’s still finding its feet




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Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Olbermann to become “chief <b>news</b> officer” of Al Gore&#39;s cable <b>...</b>

First, Arianna Huffington gets $315 million from AOL for the HuffPo and winds up with editorial control of their entire content. Keith Olbermann gets … a nightly news show on an all-but-invisible cable channel and editorial control of ...

Obama to Push for Less Restrictive Trade with Russia; Expedited <b>...</b>

Fox News has learned that President Obama will call on Congress to support a permanent normal trade relations status with Russia and that his U.S. trade ambassador will tell Congress Wednesday the White House will intensify efforts this ...


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A report to be released from Goldman Sachs today will not only disclose some details about how the secretive firm operates and plans to change their operations in the future — as required by the Business Standards Committee established by CEO Lloyd Blankfein in response to the SEC lawsuit against the them — it "will disclose more about how it makes money," according to Bloomberg News. Of course, it will likely contain only a little bit of information to this effect, seeing as it is only 63 pages, most of which will likely be self-justifying defenses of their existing business model, and because Goldman doesn't give anything away that easily, especially not to "mollify their critics," per the Journal. If you really want to find out how Goldman makes money, you're going to have to look closely.



First, you're going to have to identify and decipher the secret code hidden within the paper, which will lead you to a map located underneath the floorboards of an out-of-the-way cabin, which will lead you to a musty castle in the basement of which sits a nervous owl with a capsule on its foot. The capsule, if you are lucky enough to soothe the owl long enough to remove it, will contain a password to a trap door, which, will lead you to an old but powerful woman who will ask you a series of questions, such as: "If you were shrunk to the size of a pencil and put in a blender, how would you get out?" After that, you must pass through an area of extreme heat, an area of extreme cold, and swim 40 lengths through a pool full of Mischievously Tickling Goldfish. Only then you will find the secret, which will be some variation of the fact that the company buys stuff cheap and sells it for more money.




We’ve been promised for a while now that our phones will become our personal assistants. Executives from Cambridge, Mass.-based Vlingo sat down with me this week to talk about how they’ve delivered on that promise — and started turning it into real revenue.


It seems like all the big guys are trying to get into this business. The incentive, as a Googler put it when the company launched a similar service last year, is that voice is much more natural than typing as a way to interact with your phone. Apple, meanwhile, showed its interest by acquiring a startup called Siri. And Microsoft included voice commands on Windows Phone 7.


The difference, according to Vlingo’s vice president of business Hadley Harris, is that the startup has built all its basic technology, including speech recognition (something that Siri outsourced) and the “intent engine” that allows the app to translate your words into actions that it understands. Vlingo is working with other companies to integrate a wide range of apps into the system, so that you can use your voice to buy a plane ticket off travel site Kayak or check your updates on Facebook.


Vlingo has been downloaded 7 million times, Harris said. BlackBerry users represent most of those downloads, since that’s the phone that Vlingo focused on first, but iPhone and especially Android are catching up. The company’s strategy is to release new features on Android first, then port them to other phones as resources and technology allow.


The app is free, so Vlingo makes money through advertising and revenue sharing with its partners. Specifically, Harris told me it currently earns $7.74 for every 1,000 Web searches, $49 for every 1,000 local searches, and $24 for every 1,000 “other” monetizable actions, such as a ticket purchase on Kayak. With users performing an average of 30 actions every month, Harris said Vlingo is making about 14 cents per user per month.


That might seem a little low, Harris acknowledged, but the plan is to dramatically increase both the number of users and the number of actions over the next year. Most promisingly, he said Vlingo has made deals with a number of Android handset manufacturers who don’t want to direct all of their usage to Google services. (He said it’s too early to reveal who the manufacturers are.) Not only will that put Vlingo on more phones, it will also make the application more prominent on those phones by turning it into the default app whenever you want to use voice commands.



Next Story: Why display ads are cool again Previous Story: Gamification gets popular, but it’s still finding its feet




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Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Olbermann to become “chief <b>news</b> officer” of Al Gore&#39;s cable <b>...</b>

First, Arianna Huffington gets $315 million from AOL for the HuffPo and winds up with editorial control of their entire content. Keith Olbermann gets … a nightly news show on an all-but-invisible cable channel and editorial control of ...

Obama to Push for Less Restrictive Trade with Russia; Expedited <b>...</b>

Fox News has learned that President Obama will call on Congress to support a permanent normal trade relations status with Russia and that his U.S. trade ambassador will tell Congress Wednesday the White House will intensify efforts this ...


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How to make money: Buy a property, get a mortgage, reconstruct the property... by Vimrod1


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Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Olbermann to become “chief <b>news</b> officer” of Al Gore&#39;s cable <b>...</b>

First, Arianna Huffington gets $315 million from AOL for the HuffPo and winds up with editorial control of their entire content. Keith Olbermann gets … a nightly news show on an all-but-invisible cable channel and editorial control of ...

Obama to Push for Less Restrictive Trade with Russia; Expedited <b>...</b>

Fox News has learned that President Obama will call on Congress to support a permanent normal trade relations status with Russia and that his U.S. trade ambassador will tell Congress Wednesday the White House will intensify efforts this ...


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A report to be released from Goldman Sachs today will not only disclose some details about how the secretive firm operates and plans to change their operations in the future — as required by the Business Standards Committee established by CEO Lloyd Blankfein in response to the SEC lawsuit against the them — it "will disclose more about how it makes money," according to Bloomberg News. Of course, it will likely contain only a little bit of information to this effect, seeing as it is only 63 pages, most of which will likely be self-justifying defenses of their existing business model, and because Goldman doesn't give anything away that easily, especially not to "mollify their critics," per the Journal. If you really want to find out how Goldman makes money, you're going to have to look closely.



First, you're going to have to identify and decipher the secret code hidden within the paper, which will lead you to a map located underneath the floorboards of an out-of-the-way cabin, which will lead you to a musty castle in the basement of which sits a nervous owl with a capsule on its foot. The capsule, if you are lucky enough to soothe the owl long enough to remove it, will contain a password to a trap door, which, will lead you to an old but powerful woman who will ask you a series of questions, such as: "If you were shrunk to the size of a pencil and put in a blender, how would you get out?" After that, you must pass through an area of extreme heat, an area of extreme cold, and swim 40 lengths through a pool full of Mischievously Tickling Goldfish. Only then you will find the secret, which will be some variation of the fact that the company buys stuff cheap and sells it for more money.




We’ve been promised for a while now that our phones will become our personal assistants. Executives from Cambridge, Mass.-based Vlingo sat down with me this week to talk about how they’ve delivered on that promise — and started turning it into real revenue.


It seems like all the big guys are trying to get into this business. The incentive, as a Googler put it when the company launched a similar service last year, is that voice is much more natural than typing as a way to interact with your phone. Apple, meanwhile, showed its interest by acquiring a startup called Siri. And Microsoft included voice commands on Windows Phone 7.


The difference, according to Vlingo’s vice president of business Hadley Harris, is that the startup has built all its basic technology, including speech recognition (something that Siri outsourced) and the “intent engine” that allows the app to translate your words into actions that it understands. Vlingo is working with other companies to integrate a wide range of apps into the system, so that you can use your voice to buy a plane ticket off travel site Kayak or check your updates on Facebook.


Vlingo has been downloaded 7 million times, Harris said. BlackBerry users represent most of those downloads, since that’s the phone that Vlingo focused on first, but iPhone and especially Android are catching up. The company’s strategy is to release new features on Android first, then port them to other phones as resources and technology allow.


The app is free, so Vlingo makes money through advertising and revenue sharing with its partners. Specifically, Harris told me it currently earns $7.74 for every 1,000 Web searches, $49 for every 1,000 local searches, and $24 for every 1,000 “other” monetizable actions, such as a ticket purchase on Kayak. With users performing an average of 30 actions every month, Harris said Vlingo is making about 14 cents per user per month.


That might seem a little low, Harris acknowledged, but the plan is to dramatically increase both the number of users and the number of actions over the next year. Most promisingly, he said Vlingo has made deals with a number of Android handset manufacturers who don’t want to direct all of their usage to Google services. (He said it’s too early to reveal who the manufacturers are.) Not only will that put Vlingo on more phones, it will also make the application more prominent on those phones by turning it into the default app whenever you want to use voice commands.



Next Story: Why display ads are cool again Previous Story: Gamification gets popular, but it’s still finding its feet




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How to make money: Buy a property, get a mortgage, reconstruct the property... by Vimrod1


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Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Olbermann to become “chief <b>news</b> officer” of Al Gore&#39;s cable <b>...</b>

First, Arianna Huffington gets $315 million from AOL for the HuffPo and winds up with editorial control of their entire content. Keith Olbermann gets … a nightly news show on an all-but-invisible cable channel and editorial control of ...

Obama to Push for Less Restrictive Trade with Russia; Expedited <b>...</b>

Fox News has learned that President Obama will call on Congress to support a permanent normal trade relations status with Russia and that his U.S. trade ambassador will tell Congress Wednesday the White House will intensify efforts this ...


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How to make money: Buy a property, get a mortgage, reconstruct the property... by Vimrod1


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Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Olbermann to become “chief <b>news</b> officer” of Al Gore&#39;s cable <b>...</b>

First, Arianna Huffington gets $315 million from AOL for the HuffPo and winds up with editorial control of their entire content. Keith Olbermann gets … a nightly news show on an all-but-invisible cable channel and editorial control of ...

Obama to Push for Less Restrictive Trade with Russia; Expedited <b>...</b>

Fox News has learned that President Obama will call on Congress to support a permanent normal trade relations status with Russia and that his U.S. trade ambassador will tell Congress Wednesday the White House will intensify efforts this ...


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Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Olbermann to become “chief <b>news</b> officer” of Al Gore&#39;s cable <b>...</b>

First, Arianna Huffington gets $315 million from AOL for the HuffPo and winds up with editorial control of their entire content. Keith Olbermann gets … a nightly news show on an all-but-invisible cable channel and editorial control of ...

Obama to Push for Less Restrictive Trade with Russia; Expedited <b>...</b>

Fox News has learned that President Obama will call on Congress to support a permanent normal trade relations status with Russia and that his U.S. trade ambassador will tell Congress Wednesday the White House will intensify efforts this ...


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Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Olbermann to become “chief <b>news</b> officer” of Al Gore&#39;s cable <b>...</b>

First, Arianna Huffington gets $315 million from AOL for the HuffPo and winds up with editorial control of their entire content. Keith Olbermann gets … a nightly news show on an all-but-invisible cable channel and editorial control of ...

Obama to Push for Less Restrictive Trade with Russia; Expedited <b>...</b>

Fox News has learned that President Obama will call on Congress to support a permanent normal trade relations status with Russia and that his U.S. trade ambassador will tell Congress Wednesday the White House will intensify efforts this ...


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How to make money: Buy a property, get a mortgage, reconstruct the property... by Vimrod1


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Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Olbermann to become “chief <b>news</b> officer” of Al Gore&#39;s cable <b>...</b>

First, Arianna Huffington gets $315 million from AOL for the HuffPo and winds up with editorial control of their entire content. Keith Olbermann gets … a nightly news show on an all-but-invisible cable channel and editorial control of ...

Obama to Push for Less Restrictive Trade with Russia; Expedited <b>...</b>

Fox News has learned that President Obama will call on Congress to support a permanent normal trade relations status with Russia and that his U.S. trade ambassador will tell Congress Wednesday the White House will intensify efforts this ...


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This article will show you how to save money with regular household items around your house. With the rising prices of gas and food costs, many people are having problems even paying basic bills. Perhaps you can't afford your regular budget for groceries because the cost of gas has cut into it. Or maybe the increased prices for food means you have to save $50 per month somewhere else. Here are ten tips for saving money around the house, when your budget has finally reached emergency status.

1. Water down your beauty products. Buy a bottle of shampoo. Take an empty plastic water bottle and put half of the shampoo in it. Then, add water to both bottles. Now, you have two bottles of shampoo for the price of one. You're going to be using water with your shampoo anyway, so diluting it isn't going to make it less effective. I wouldn't recommend this with hot oil treatments or hair coloring, but shampoo and conditioner will do just fine. Experience for me has also shown that you can do this with hairspray and spray hair gel. If your kids won't accept using shampoo out of a plastic water bottle, let them use the original bottle with the shampoo and water, and you use the plastic bottle.

2. Refrigerate and/or freeze unused bread, so it stays fresher longer and you waste less. Chances are, in the past month you've seen some mold growing on a loaf of bread and had to throw it away. To save money and waste less, when you buy the bread, freeze half the loaf. Then, you can use the second half the next week.

3. Use the back side of sheets of paper. Instead of throwing away all of your paper, try using the other side. You probably have lots of pieces of paper that have only been used on one side. Maybe it's a grocery list, or even school work from your children. You can use the other side of the paper and save a lot of money buying paper every month! If things are really tight, try using envelopes for scratch paper instead of actually buying pads of paper to write on. Or you could use the back side of junk mail.

4. Portion dinners smaller. When making dinner, if you always have leftovers that don't get eaten, this could be a real solution for you for saving some money during extreme times. If you usually use a whole pound of spaghetti and a whole jar of sauce, try using only 75% of the pasta and spaghetti. The noodles will keep unused, and the sauce will keep in your refrigerator for at least a week. So, you could use the rest the next time you make spaghetti. The alternative to this would be to immediately freeze part of the spaghetti after you make it. For those kids who won't eat the same thing two nights in a row, this offers a way to put the spaghetti away for a week and not let it go to waste!

5. Use candles. You may not feel like going back to prehistoric (or so you call it) times when there were no lights. However, if you use candles to light your home you could save up to 30 or 40 percent on your electricity bill each month. You can also make a romantic setting for you and your mate that creates a relaxing mood. Even if you have to spend a few dollars buying candles, you'll still save money in the end.

6. Stop using throw away dinner ware and plastic ware. If you use plastic knives and forks and paper plates to avoid washing dishes, don't do this anymore. You will spend more money buying plastic and paperware than you would paying for the dish detergent and water to wash dishes. And, you'll be harming the environment with more waste. This will save you from having to buy plastic ware and paper plates each month.

7. Try not to throw anything away that can be reused. Popsicle sticks can make an interesting photo frame. Plastic water bottles can be used as a flower vase. You can get creative and reuse all kinds of items that once would have gone directly into the trash.

8. Use Walmart plastic bags and other plastic grocery bags as trash can liners in your kitchen and bathroom. Instead of spending money on trash can liners, use something you already have at your house for free. You should know, however, that some businesses may start charging for plastic bags. When this happens, you might have to come up with another alternative.

9. Make your own potpourri and air fresheners instead of buying them. For example, you can dry flowers from your backyard and keep orange rinds to dry out to use as potpourri. Dried orange rinds have a good smell, as long as you make sure they don't start to mold.

10. Sew the holes in your socks instead of buying new ones. You probably have ten pair of socks with a hole in the toe that you're just about to throw out. It takes five minutes with a needle and thread to sew the hole closed, and then you won't even know it was ever there. Try actually replacing or fixing the zipper on old jeans before you buy new ones as well.





















































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