Tuesday, February 8, 2011

Free rental agreement forms line


surface encounters

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

<b>News</b> Desk: Tim Armstrong&#39;s Hail Mary Pass : The New Yorker

He boldly threw about a hundred and twenty million dollars per year at Patch, an attempt to create hyper-local online news sites, which I describe in my piece on Armstrong that ran in the magazine last month. He hired more journalists ...


surface encounters

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

<b>News</b> Desk: Tim Armstrong&#39;s Hail Mary Pass : The New Yorker

He boldly threw about a hundred and twenty million dollars per year at Patch, an attempt to create hyper-local online news sites, which I describe in my piece on Armstrong that ran in the magazine last month. He hired more journalists ...


surface encounters

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

<b>News</b> Desk: Tim Armstrong&#39;s Hail Mary Pass : The New Yorker

He boldly threw about a hundred and twenty million dollars per year at Patch, an attempt to create hyper-local online news sites, which I describe in my piece on Armstrong that ran in the magazine last month. He hired more journalists ...


surface encounters

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

<b>News</b> Desk: Tim Armstrong&#39;s Hail Mary Pass : The New Yorker

He boldly threw about a hundred and twenty million dollars per year at Patch, an attempt to create hyper-local online news sites, which I describe in my piece on Armstrong that ran in the magazine last month. He hired more journalists ...


surface encounters

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

<b>News</b> Desk: Tim Armstrong&#39;s Hail Mary Pass : The New Yorker

He boldly threw about a hundred and twenty million dollars per year at Patch, an attempt to create hyper-local online news sites, which I describe in my piece on Armstrong that ran in the magazine last month. He hired more journalists ...


surface encounters

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

<b>News</b> Desk: Tim Armstrong&#39;s Hail Mary Pass : The New Yorker

He boldly threw about a hundred and twenty million dollars per year at Patch, an attempt to create hyper-local online news sites, which I describe in my piece on Armstrong that ran in the magazine last month. He hired more journalists ...


surface encounters

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

<b>News</b> Desk: Tim Armstrong&#39;s Hail Mary Pass : The New Yorker

He boldly threw about a hundred and twenty million dollars per year at Patch, an attempt to create hyper-local online news sites, which I describe in my piece on Armstrong that ran in the magazine last month. He hired more journalists ...


surface encounters

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

<b>News</b> Desk: Tim Armstrong&#39;s Hail Mary Pass : The New Yorker

He boldly threw about a hundred and twenty million dollars per year at Patch, an attempt to create hyper-local online news sites, which I describe in my piece on Armstrong that ran in the magazine last month. He hired more journalists ...


surface encounters

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

<b>News</b> Desk: Tim Armstrong&#39;s Hail Mary Pass : The New Yorker

He boldly threw about a hundred and twenty million dollars per year at Patch, an attempt to create hyper-local online news sites, which I describe in my piece on Armstrong that ran in the magazine last month. He hired more journalists ...


surface encounters

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

<b>News</b> Desk: Tim Armstrong&#39;s Hail Mary Pass : The New Yorker

He boldly threw about a hundred and twenty million dollars per year at Patch, an attempt to create hyper-local online news sites, which I describe in my piece on Armstrong that ran in the magazine last month. He hired more journalists ...


Sunday, February 6, 2011

Making Money






The onslaught of disgusting naked men that seemingly destroyed interest in Chatroulette is now earning the site $100,000 a month. After being flagged by other users a certain number of times, the masturbators — there are about 50,000 on the site every day — are automatically redirected to adult pay sites with which Chatroulette has made agreements. The site's founder, Andrey Ternovskiy, claims that you'll run into a penis only once an hour now — still more surprise penises than you typically experience in an hour outside of Chatroulette, but a vast improvement nonetheless. [Fast Company via Newser]







While D.J. Caruso's career started off slow, movies like Two For The Money and Taking Lives never blowing up at the box office, the director has been experiencing a surge in recent years, with both Disturbia and Eagle Eye making bank in theaters, coming up with $80 million and $101 million domestic scores respectively. As a result, Caruso has had a bunch of titles attached to his name in recent years and he was more than happy to talk about them with me this afternoon.



Sitting down with the director one-on-one at the junket for his newest film, I Am Number Four , I took the opportunity to ask about the progress of four potential future projects. These titles include The Defenders, The Art of Making Money, Y: The Last Man and a possible sequel to his latest.



Rumored since June of 2009, The Defenders is the based on an idea from actor Masi Oka about players of an MMORPG game who are all drawn together for a real-life adventure. According to Caruso, he won't be directing the film, but will be producing. Marti Noxon, who used to write for Buffy The Vampire Slayer and was one of the co-writers of I Am Number Four, is currently writing the script.



Next up, The Art of Making Money, a story that surfaced in October 2009, would star Chris Pine in a true story drama about Art Williams, a Chicago counterfeiter. Sadly, it may be a while until we still this one come to fruition due to Pine's huge number of other commitments. "The problem, and Chris is not a problem," Caruso said, "Chris has to do the Jack Ryan before he does Star Trek, so all of a sudden Chris Pine is going to be off the market." The director says that they are also still working on the script, so it will still be a while.



Sadly, the news about Caruso's adaptation of the much beloved Y: The Last Man isn't positive either. The oldest of Caruso's proposed projects, having been on his radar since July 2007, the director is sad to say that the project, for him, "is pretty much dead." Said Caruso, "I got where I did as far as I did with New Line and Warners. It�s just, unfortunately, not going to work out."



Lastly is the potential for a sequel to his newest film. Based on a series of books by James Frey and Jobie Hughes, the second novel of the six book series, The Power of Six, is currently being written, but whether or not there's a film adaptation depends entirely on the audience. When asked if he could see himself returning for a sequel, Caruso said,


"Yeah, definitely. I think if the audience enjoys the movie and they respond the way we hope they respond, have as much fun seeing it as we did making it, then I would definitely come back. For sure."



I Am Number Four will be released on February 18. For more about the film head on over to our Blend Film Database.






















benchcraft company portland or

Rachel Maddow - Fox <b>News</b> - Egypt Revolution | Mediaite

Rachel Maddow's patience with Fox News appears to have finally fully waned. Having spent a good amount of time on her program calmly arguing her side of the story in an attempt to debunk the loudest voices of her rival network, ...

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Reducing salt in teen diet could have big impact on future health <b>...</b>

Cutting back on salt in teenagers' diets by as little as one-half teaspoon, or three grams, a day, could reduce the number of young adults with high blood pressure by 44 to 63 percent, according to new research presented Sunday, Nov. ...


bench craft company reviews





The onslaught of disgusting naked men that seemingly destroyed interest in Chatroulette is now earning the site $100,000 a month. After being flagged by other users a certain number of times, the masturbators — there are about 50,000 on the site every day — are automatically redirected to adult pay sites with which Chatroulette has made agreements. The site's founder, Andrey Ternovskiy, claims that you'll run into a penis only once an hour now — still more surprise penises than you typically experience in an hour outside of Chatroulette, but a vast improvement nonetheless. [Fast Company via Newser]







While D.J. Caruso's career started off slow, movies like Two For The Money and Taking Lives never blowing up at the box office, the director has been experiencing a surge in recent years, with both Disturbia and Eagle Eye making bank in theaters, coming up with $80 million and $101 million domestic scores respectively. As a result, Caruso has had a bunch of titles attached to his name in recent years and he was more than happy to talk about them with me this afternoon.



Sitting down with the director one-on-one at the junket for his newest film, I Am Number Four , I took the opportunity to ask about the progress of four potential future projects. These titles include The Defenders, The Art of Making Money, Y: The Last Man and a possible sequel to his latest.



Rumored since June of 2009, The Defenders is the based on an idea from actor Masi Oka about players of an MMORPG game who are all drawn together for a real-life adventure. According to Caruso, he won't be directing the film, but will be producing. Marti Noxon, who used to write for Buffy The Vampire Slayer and was one of the co-writers of I Am Number Four, is currently writing the script.



Next up, The Art of Making Money, a story that surfaced in October 2009, would star Chris Pine in a true story drama about Art Williams, a Chicago counterfeiter. Sadly, it may be a while until we still this one come to fruition due to Pine's huge number of other commitments. "The problem, and Chris is not a problem," Caruso said, "Chris has to do the Jack Ryan before he does Star Trek, so all of a sudden Chris Pine is going to be off the market." The director says that they are also still working on the script, so it will still be a while.



Sadly, the news about Caruso's adaptation of the much beloved Y: The Last Man isn't positive either. The oldest of Caruso's proposed projects, having been on his radar since July 2007, the director is sad to say that the project, for him, "is pretty much dead." Said Caruso, "I got where I did as far as I did with New Line and Warners. It�s just, unfortunately, not going to work out."



Lastly is the potential for a sequel to his newest film. Based on a series of books by James Frey and Jobie Hughes, the second novel of the six book series, The Power of Six, is currently being written, but whether or not there's a film adaptation depends entirely on the audience. When asked if he could see himself returning for a sequel, Caruso said,


"Yeah, definitely. I think if the audience enjoys the movie and they respond the way we hope they respond, have as much fun seeing it as we did making it, then I would definitely come back. For sure."



I Am Number Four will be released on February 18. For more about the film head on over to our Blend Film Database.






















bench craft company reviews

Rachel Maddow - Fox <b>News</b> - Egypt Revolution | Mediaite

Rachel Maddow's patience with Fox News appears to have finally fully waned. Having spent a good amount of time on her program calmly arguing her side of the story in an attempt to debunk the loudest voices of her rival network, ...

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Reducing salt in teen diet could have big impact on future health <b>...</b>

Cutting back on salt in teenagers' diets by as little as one-half teaspoon, or three grams, a day, could reduce the number of young adults with high blood pressure by 44 to 63 percent, according to new research presented Sunday, Nov. ...


bench craft company reviews
[reefeed]
bench craft company reviews

God is in television by Wkeup!


bench craft company reviews

Rachel Maddow - Fox <b>News</b> - Egypt Revolution | Mediaite

Rachel Maddow's patience with Fox News appears to have finally fully waned. Having spent a good amount of time on her program calmly arguing her side of the story in an attempt to debunk the loudest voices of her rival network, ...

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Reducing salt in teen diet could have big impact on future health <b>...</b>

Cutting back on salt in teenagers' diets by as little as one-half teaspoon, or three grams, a day, could reduce the number of young adults with high blood pressure by 44 to 63 percent, according to new research presented Sunday, Nov. ...


benchcraft company scam





The onslaught of disgusting naked men that seemingly destroyed interest in Chatroulette is now earning the site $100,000 a month. After being flagged by other users a certain number of times, the masturbators — there are about 50,000 on the site every day — are automatically redirected to adult pay sites with which Chatroulette has made agreements. The site's founder, Andrey Ternovskiy, claims that you'll run into a penis only once an hour now — still more surprise penises than you typically experience in an hour outside of Chatroulette, but a vast improvement nonetheless. [Fast Company via Newser]







While D.J. Caruso's career started off slow, movies like Two For The Money and Taking Lives never blowing up at the box office, the director has been experiencing a surge in recent years, with both Disturbia and Eagle Eye making bank in theaters, coming up with $80 million and $101 million domestic scores respectively. As a result, Caruso has had a bunch of titles attached to his name in recent years and he was more than happy to talk about them with me this afternoon.



Sitting down with the director one-on-one at the junket for his newest film, I Am Number Four , I took the opportunity to ask about the progress of four potential future projects. These titles include The Defenders, The Art of Making Money, Y: The Last Man and a possible sequel to his latest.



Rumored since June of 2009, The Defenders is the based on an idea from actor Masi Oka about players of an MMORPG game who are all drawn together for a real-life adventure. According to Caruso, he won't be directing the film, but will be producing. Marti Noxon, who used to write for Buffy The Vampire Slayer and was one of the co-writers of I Am Number Four, is currently writing the script.



Next up, The Art of Making Money, a story that surfaced in October 2009, would star Chris Pine in a true story drama about Art Williams, a Chicago counterfeiter. Sadly, it may be a while until we still this one come to fruition due to Pine's huge number of other commitments. "The problem, and Chris is not a problem," Caruso said, "Chris has to do the Jack Ryan before he does Star Trek, so all of a sudden Chris Pine is going to be off the market." The director says that they are also still working on the script, so it will still be a while.



Sadly, the news about Caruso's adaptation of the much beloved Y: The Last Man isn't positive either. The oldest of Caruso's proposed projects, having been on his radar since July 2007, the director is sad to say that the project, for him, "is pretty much dead." Said Caruso, "I got where I did as far as I did with New Line and Warners. It�s just, unfortunately, not going to work out."



Lastly is the potential for a sequel to his newest film. Based on a series of books by James Frey and Jobie Hughes, the second novel of the six book series, The Power of Six, is currently being written, but whether or not there's a film adaptation depends entirely on the audience. When asked if he could see himself returning for a sequel, Caruso said,


"Yeah, definitely. I think if the audience enjoys the movie and they respond the way we hope they respond, have as much fun seeing it as we did making it, then I would definitely come back. For sure."



I Am Number Four will be released on February 18. For more about the film head on over to our Blend Film Database.






















bench craft company reviews

God is in television by Wkeup!


bench craft company reviews

Rachel Maddow - Fox <b>News</b> - Egypt Revolution | Mediaite

Rachel Maddow's patience with Fox News appears to have finally fully waned. Having spent a good amount of time on her program calmly arguing her side of the story in an attempt to debunk the loudest voices of her rival network, ...

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Reducing salt in teen diet could have big impact on future health <b>...</b>

Cutting back on salt in teenagers' diets by as little as one-half teaspoon, or three grams, a day, could reduce the number of young adults with high blood pressure by 44 to 63 percent, according to new research presented Sunday, Nov. ...


benchcraft company portland or

God is in television by Wkeup!


bench craft company reviews

Rachel Maddow - Fox <b>News</b> - Egypt Revolution | Mediaite

Rachel Maddow's patience with Fox News appears to have finally fully waned. Having spent a good amount of time on her program calmly arguing her side of the story in an attempt to debunk the loudest voices of her rival network, ...

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Reducing salt in teen diet could have big impact on future health <b>...</b>

Cutting back on salt in teenagers' diets by as little as one-half teaspoon, or three grams, a day, could reduce the number of young adults with high blood pressure by 44 to 63 percent, according to new research presented Sunday, Nov. ...


bench craft company reviews

Rachel Maddow - Fox <b>News</b> - Egypt Revolution | Mediaite

Rachel Maddow's patience with Fox News appears to have finally fully waned. Having spent a good amount of time on her program calmly arguing her side of the story in an attempt to debunk the loudest voices of her rival network, ...

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Reducing salt in teen diet could have big impact on future health <b>...</b>

Cutting back on salt in teenagers' diets by as little as one-half teaspoon, or three grams, a day, could reduce the number of young adults with high blood pressure by 44 to 63 percent, according to new research presented Sunday, Nov. ...


benchcraft company portland or

Rachel Maddow - Fox <b>News</b> - Egypt Revolution | Mediaite

Rachel Maddow's patience with Fox News appears to have finally fully waned. Having spent a good amount of time on her program calmly arguing her side of the story in an attempt to debunk the loudest voices of her rival network, ...

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Reducing salt in teen diet could have big impact on future health <b>...</b>

Cutting back on salt in teenagers' diets by as little as one-half teaspoon, or three grams, a day, could reduce the number of young adults with high blood pressure by 44 to 63 percent, according to new research presented Sunday, Nov. ...


how to lose weight fast bench craft company reviews
benchcraft company portland or

God is in television by Wkeup!


bench craft company reviews
bench craft company reviews

Rachel Maddow - Fox <b>News</b> - Egypt Revolution | Mediaite

Rachel Maddow's patience with Fox News appears to have finally fully waned. Having spent a good amount of time on her program calmly arguing her side of the story in an attempt to debunk the loudest voices of her rival network, ...

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Reducing salt in teen diet could have big impact on future health <b>...</b>

Cutting back on salt in teenagers' diets by as little as one-half teaspoon, or three grams, a day, could reduce the number of young adults with high blood pressure by 44 to 63 percent, according to new research presented Sunday, Nov. ...


bench craft company reviews

You have probably heard it said that anyone can make money, and I believe it is true. After all, just look at the young kid out there selling lemonade with their uniquely constructed lemonade sign and stand. So here is proof that with a little knowledge, and after applying oneself to a given task, that a child and even a bum can make money. However, the problem is not always in MAKING money, be it small or large, the problem is that most people do not know how to KEEP it. This is evident through the statistics done on many lottery winners around the world over the past several years who are rich today, but eventually wind up broke, busted, and disgusted tomorrow. Yeah, I know that's an exaggeration on my part. Well if not tommorrow, usually within a few short years, because before they know it their millions soon transform into pennies, and their wealth gone. Therefore, I have found that it will take our operating in WISDOM and DISCIPLINE in order to keep money.

So who was the richest man who ever lived? The Bible says it was a man by the name of King Solomon. So how did he amass such a GREAT fortune? Was it simply because he was born into royalty and money? Yes and no. Yes, Solomon came from an affluent family, and likewise succeeded in inheriting the throne of his father, King David, and yes this definitely gave him a jump start toward financial success. However, Solomon was only just beginning. He was a novice. How would he govern a vast nation of people? Could he keep the family fortune that was now his and continue the regal financial legacy of his royal family? The answer, YES. We learn that this relatively young and inexperienced leader eventually far exceeded even the riches of his father and the nation by and large. How was this possible? Because, at his earliest beginning he sought after and asked only one thing from the Lord, and that was wisdom (i.e. not long life or riches). Yes, I said WISDOM! His desire was for godly wisdom and guidance to rule a nation, his family, and his finances and this is what has made his name reknown up until this present day. For Solomon himself, penned these very words, "that wisdom is the principal or chief thing, so in your getting, get understanding"(Proverbs 4:7). So below you'll find just a few tips that I believe will help you hold on to your money longer. After all, they are working for me!

PROVERBIAL TIPS:

1) Ask the Lord for wisdom every day in your decisions. "He will give it to you liberally" (Book of James 1:5).

2) Count or consider the costs before beginning or undertaking any type of endeavor or project (e.g. time, money, resources..).

3) Tithe and/or give generously to help your fellow man (e.g. charities, churches, organizations, community) "Give and it shall be given to you...." (Gospel of St. Luke 6:38).

4) Investments are great assets. So be sure to find a good one.

5) Save $100 or more when possible and place into a money market savings account on a regular basis so you can accrue a little interest. Besides even "the ant gathers its food in the harvest" (Proverbs 6:6-8). Now that is what I call insectual wisdom!

6) Do not max out your credit cards. Besides, having ownership of only ONE major credit card will ensure that you don't build up a long line of debt. Also, pay those bills early so that extra fees will not come into play. Remember, "the borrower is subject to the lender" (Proverbs 22:7). So be sure to watch your spending.

7) Use cash whenever possible. There are no interests, fees, nor debt pileup when using currency.

Here is one final word from the one of the wisest and richest men of his time, "Labor not to be rich: cease from your own wisdom. Will you set your eyes upon that which is not? For riches certainly make themselves wings; they fly away as an eagle toward heaven"(Proverbs 23:4-5). See there is a far greater and wiser investment to consider and to invest in, and that is the riches of ETERNITY.

For more information visit my daily-weekly newsletter/blog site at http://proverbsonmakingmoney.com or http://proverb2money.wordpress.com for my Wisdom2Money blogs.


big seminar 14

Rachel Maddow - Fox <b>News</b> - Egypt Revolution | Mediaite

Rachel Maddow's patience with Fox News appears to have finally fully waned. Having spent a good amount of time on her program calmly arguing her side of the story in an attempt to debunk the loudest voices of her rival network, ...

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Reducing salt in teen diet could have big impact on future health <b>...</b>

Cutting back on salt in teenagers' diets by as little as one-half teaspoon, or three grams, a day, could reduce the number of young adults with high blood pressure by 44 to 63 percent, according to new research presented Sunday, Nov. ...


big seminar 14

Rachel Maddow - Fox <b>News</b> - Egypt Revolution | Mediaite

Rachel Maddow's patience with Fox News appears to have finally fully waned. Having spent a good amount of time on her program calmly arguing her side of the story in an attempt to debunk the loudest voices of her rival network, ...

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Reducing salt in teen diet could have big impact on future health <b>...</b>

Cutting back on salt in teenagers' diets by as little as one-half teaspoon, or three grams, a day, could reduce the number of young adults with high blood pressure by 44 to 63 percent, according to new research presented Sunday, Nov. ...


big seminar 14




















































Wednesday, February 2, 2011

foreclosure sales


We’ll analyze a proposal to fix the foreclosure mess put out by a DC think tank known as Third Way. Normally this blog steers clear of delving into random policy documents. In this case, though, it is likely that Third Way is speaking for the administration.


Third Way is an influential think tank whose board is composed of a special Wall Street-type – the Rubin Democrat. These people sit at the nexus of politics and finance, and are conduits for big bank friendly information flow into the administration and Congress. The President of the think tank, Jonathan Cowan, was the Chief of Staff for Andrew Cuomo at HUD in the 1990s, and Third Way is well known in policy circles for delivering ‘politically safe’ and well-packaged conventional wisdom. Oh, and one more thing – the new White House Chief of Staff Bill Daley, who just left the most senior operating committee of JP Morgan, was on their Board of Directors.


So by looking at this proposal, we are looking at the state of play among high level policy makers in DC, particularly of the New Dem bent. This is how the administration will probably try to play foreclosure-gate.


Their proposal, not surprisingly, is yet another bailout.


The big difference between the original and the new, improved version of the bailout model is that the payouts to the banks were at least in part visible the first time around. This is an effort yet again to spare the banks any pain, not only at the cost of the rule of law but also of investor rights.


This proposal guts state control of their own real estate law when the Supreme Court has repeatedly found that “dirt law” is not a Federal matter. It strips homeowners of their right to their day in court to preserve their contractual rights, namely, that only the proven mortgagee, and not a gangster, or in this case, bankster, can take possession of their home.


This sort of protection is fundamental to the operation of capitalism, so it’s astonishing to see neoliberals so willing to throw it under the bus to preserve the balance sheets of the TBTF banks. Readers may recall how we came to have this sort of legal protection in the first place. England learned the hard way in the 17th century what happens with low documentation requirements: abuse of court procedures, perjury and corruption become the norm. Parliament enacted the 1677 Statute of Fraudsto establish higher standards for contracts, such as witnessing by a third party, to stop the widespread theft of property that was underway.


The memo completely ignores the harm to investors from the bank mistakes and lacks any provisions for damage to investors to be remedied. Moreover, denying borrower rights removes their leverage to obtain deep principal mortgage modifications, which for viable borrowers produces lower losses than costly foreclosures and sales of distressed property. Thus this shredding of contractual protections in mortgages not only hurts borrowers but also harms investors.


So to save the banks from their own, colossal abuses of contracts that they devised, the Third Way document advocates Congressional intervention into well established, well functioning state law. This is a case where these matters can and should be left to the courts and ultimately state AGs to coordinate the template of a more broadbased solution.


But this proposal is this memo is a direct result of the banks losing in court and the fear that they will continue to lose. The Massachusetts Supreme Judicial Court Ibanez decision is clearly the trigger for the release of this plan. The SJC said its decision was merely articulating well established law. Consistent application of these principles will mean more losses for the banks. This memo is clearly an attempt to stop this as soon as possible. The real message of this document is clear: we can’t permit justice to prevail if it will hurt bank profits and balance sheets.


Let’s parse key sections of the document. Predictably, it chooses to divert attention away from the real issue, that of the greed and errors made by securitization industry participants, and the huge costs already imposed on innocent bystanders by the financial crisis.


Start with the first page:


While consumer advocates are hailing the decision as a victory for borrowers, homeowners are more likely to suffer the downsides—not the benefits—from the Massachusetts ruling. This case is certain to set off a massive wave of litigation by borrowers and lawyers eager to challenge a pending foreclosure. This in turn will create tremendous uncertainty in the still-wobbly housing market: Will homebuyers who bought a home out of foreclosure worry that their purchase will be invalidated? Will prospective homebuyers get too nervous to come off the sidelines, thereby driving up inventory and driving down home values? Will some homeowners be encouraged to “strategically default” in the hopes of winning a “free house” from technically faulty paperwork?


This is scare-mongering, pure and simple. It isn’t credible that a decision in one state with some idiosyncrasies in its real estate law will trigger a “massive wave of litigation”, particularly since anti-foreclosure lawyers often have trouble getting paid. Broke clients do not make for a great target market.


As to the “tremendous uncertainty” claim, where exactly has Third Way been? If they are only waking up now to the magnitude of the foreclosure mess, that alone disqualifies them from being competent to opine on this topic (note that this seems to reflect the advanced state of denial we’ve seen among securitization industry types; the result has been that parties further removed have been slow to wake up to the seriousness of this problem, despite ample evidence in local courts all over the US).


The homebuyer worry about foreclosure sales being invalidated argument is spurious; as we’ve remarked before, foreclosure sales are final. I can’t recall an instance of a public policy measure being implemented to pander to the neuroses of uninformed consumers.


Possible REO buyers sitting on the sidelines? That’s already true, and it’s due to doubts over validity of title thanks to MERS, not Mass., as well as the concern that housing has not bottomed in many markets. Since Third Way appears remarkably uninformed about housing market conditions outside the Beltway, namely, that there’s a huge inventory of homes yet to be foreclosed upon, largely due to servicers keeping borrowers in homes. That’s partly the result of a fee-maximizing “sweatbox” strategy, partly to save the costs of property maintenance and real estate taxes since they already have more real estate than they can unload in many local markets, and partly due court backlogs.


Third Way manages to accomplish the neat rhetorical trick of linking the urban-legend of “strategic defaults” (see Mike Konczal for details) with the jealousy-inciting “get a free house” meme.


Let’s get this straight: not a single lawyer I’ve come across want his client to get a free house. They fight foreclosures to get a mod. So when you see banks losing these cases, it’s because everyone involved on the servicer side has incentives to foreclose, not to modify loans.


In addition, vIrtually no decision, including Ibanez, have been “with prejudice”. That means the banks can foreclose if they get their act in gear. But the dirty secret is that the party that probably can foreclose is not the securitization trust, but an entity earlier in the securitization chain. Having someone other than the trust foreclose is a disaster for the securitization industry. There is no way to get the sale proceeds into the trust. The end result of having someone other than the securitization trust foreclose is to expose, as Georgetown Law professor has put it, that some if not most RMBS might actually be “non-mortgage-backed securities.”


We’ll largely skip over a heated and heavily spun section on the paper trail; it of course focuses on robosigning and overlooks numerous other abuses such as failure to convey notes properly and all too common document fabrications. However, we must note it too often gets the background and law wrong, again raising questions of basic competence. For instance:


Under the UCC, physical possession of the note and the mortgage are not required to enforce the loan.


This is embarrassing. The UCC is not relevant to this issue. As we have argued, the UCC (Article 1) specifically allows parties to contract out of the UCC and enter into more restrictive arrangements, which means the terms of the pooling and servicing agreement govern. But the UCC has nothing to do with the legal requirements for foreclosure; that’s governed by state-based real estate law, not the UCC. And in lien theory states, it means that the party foreclosing can be any of 1) “holder” of the note (meaning have possession AND be the proper party (or an agent of the proper party), 2) produce a lost note affidavit, 3) be subrogated to a holder or 4) be a purchaser from a holder who doesn’t yet have the note. Effectively, the foreclosing party either has to have the note or prove that it bought it from someone who actually has the note. That generally means you’ve got to produce the note.


The next section, on remedies, again contains distortions. For instance:


….if a foreclosure proceeding is otherwise justified (i.e. the borrower isn’t paying the loan), documentary failures don’t nullify a lender’s underlying right to a remedy.


Calling these “documentary failures” greatly understates the magnitude of the bank recklessness. A note is a negotiable instrument, like a check. Losing track of notes, each worth on average hundreds of thousands of dollars, is so deficient that that alone ought to justify all the major banks being seized and put through operational audits.


And despite this level of incompetence (or malfeasance), the banks have not been denied the ability to foreclose. Unless banks make repeated misrepresentations to the judge, the cases are dismissed without prejudice. The plaintiffs are free to come back and try again once they sort matters out. But they seldom bother. And again, it’s often because if they do find the note, it’s likely to be outside the trust, which as discussed above, creates a heap of other problems.


Next, in typical think tank style, the paper summarizes goals, then later offers remedies organized around those points; we’ll address both shortly.


The first goal is “Protecting injured homeowners“.


The discussion in the summary takes the view that the only “injured” homeowners that get any consideration are those “genuinely damaged by paperwork failures”. Thus the only problems that are addressed are screw-ups in the mod/short sale process and wrongful foreclosures. We see nary a mention of origination fraud or servicing abuses and errors. Yet foreclosure defense attorneys have said in 50% to 70% of the cases they represent, the borrower got in serious arrears as a result of servicing errors and compounding fees; a single late or misapplied payment can quickly compound into a multi thousand dollar deficiency before the borrower even finds out something is amiss.


Now let’s turn to the summary of section 2, “Keeping the housing market moving“:


The Massachusetts decision shouldn’t justify the creation of a cottage legal

industry aimed at stalling inevitable foreclosures. Creating a limited safe harbor from

paperwork-related litigation for pending foreclosures on abandoned or severely

delinquent properties would provide more certainty to the housing market and help

triage potentially successful modifications from inevitable foreclosures. In addition, a

one-year statute of limitations on paperwork-related lawsuits would ensure litigation

doesn’t drag on for years.


This is a doozy. “Cottage legal industry”? This is a more sophisticated, drive by version of the tactic used in a widely deplored first page Wall Street Journalstory which demonized foreclosure defense lawyers for being competent at court procedure.


Is there any other instance where an entire set of parties to a broad class of contract have gotten a free waiver for their own enormous, costly, and purely elective errors? The normal arrangement is that to obtain a waiver or a change in contract terms that has economic value, consideration must be paid. Remember the JP Morgan purchase of Bear: the reason the price went from $2 per share to $10 was that JPM had made a drafting error that left it exposed to more risk than it had bargained for and it needed to reopen the deal.


But I see no proposal here to have borrowers receive compensation from servicers and trustees for having their rights compromised. Aha, that’s the reason for all the expatiating about the Ibanez decision being bad for borrowers. They should give a major concession for free because it’s really good for them! Stockholm syndrome in action!


If the Third Way types were truly concerned about protecting homeowners rather than banks, they’d at the very least give homeowners something in return for the rights they are being asked to sacrifice, such as allowing courts to write down mortgages to current market value in bankruptcy (a well established practice for virtually every other type of secured lending).


Per the Third Way logic, the new reality of contracts is not the libertarian model of an agreement between equals, but of raw might makes right. A contract is treated as an ironclad, rigid arrangement if you are a small guy, but compliance is optional if you are powerful and well connected. Rubinites clearly benefit from promoting this world view.


And standing is NOT a matter of “paperwork”. This is a bedrock legal principle. Abandon the concept of legal standing, which is what this document calls for, and anyone can show up in court and say he has a right to your house once the statute of limitations has expired. Given that the initial foreclosure notice often lead to payment catch-up plans, combined with servicer incentives to keep borrowers in a delinquency “sweat box”, it isn’t hard to see servicers gaming a one-year statute of limitations (look how good a job they did of gaming the far more complicated HAMP).


In the detailed remedies section later in the document, Third Way picks up on a Shiela Bair proposal, that of a safe harbor against lawsuits if the house is vacant or the servicer has offered a deep payment mod, at least 25%. The vacancy provision looks like a red herring. How many cases are there where the house has been vacated, yet the borrower is suing? The only one I know of is not one that does not hew to the proposal’s assumptions about the motives of borrowers who do vacate property yet sue to get it back. The borrower left because she had previously been wrongly evicted from a rental, and everything in her apartment was dumped on the curb. By the time she got home from work, all her possessions, including her baby’s crib, had been stolen or hopelessly damaged. Economically and emotionally she could not afford to go through that again and moved out when the foreclosure became final (her attorney later filed a wrongful foreclosure suit).


More broadly, this element of the proposal appears unnecessary, and may give banks too much latitude in defining what is subject to this safe harbor.


As for Bair’s proposal for payment mods, the problem is that research shows again and again that what is called for is deep principal mods. Why should a borrower work to keep a deeply negative equity home only to face a shortfall upon sale?


Note that these provisions would also presumably have the effect of sheltering servicers and trustees from litigation, when the trustees made multiple certifications that they had all the loans and everything was in order. Remember, if the trustees had done what they repeatedly said in writing, in SEC filings, that they had done, none of this would be an issue.


Thus the Third Way plan also destroys contractual agreements without approval of the parties. Investors were entitled to get collateral with good title and, in the absence of that, to put back defective collateral to the seller. This would undo such contractual provisions for the sole benefit of one side, those on the originating/servicing end of the deal.


The next section, “Preventing future failures“, is motherhood and apple pie. The work is fobbed off to the Consumer Financial Protection Bureau, which in turn has to get approval from the members of the Financial Stability Oversight Council. Effectively, all the document calls for is for the CFPB to make sure banks live up to their contractual commitments. What a concept!


An ironic aspect of this proposal is that it is depicted as a way to reduce uncertainty. In fact, any Congressional intervention into well-settled state based real estate law is very likely to generate Constitutional challenges, particularly since Federal bank regulators have acknowledged that state law still applies to securitization assets. That in turn will increase, not reduce, uncertainty, and put the real estate market in an greater pall than it is now.


Finally, yet more “appease the banks” is a politically fraught strategy. The Administration seems unable to learn the real lesson of the midterm elections and is redoubling its efforts to pursue a failed course of action. Bank-friendly Blue Dog Democrats lost, progressives for the most part stayed in place, and Tea Partiers became a Congressional force for the first time. The unifying element is that this was a “vote out the corporatist incumbents” move above all else.


Establishment Republicans would also be wise to give this proposal a wide berth. If you want to recruit for the Tea Party, you could hardly find a better tool that to have the Federal government interfere with local courts on a matter as important to most Americans as their homes.








Video - Olbermann says goodbye...


Keith Olbermann gives abrupt goodbye to MSNBC show

NEW YORK (AP) — Keith Olbermann was MSNBC's most popular personality and single-handedly led its transformation to an outspoken, left-leaning cable news network in prime time. Despite that, he often seemed to be walking on a tightrope with his job. Friday night, it snapped.


Olbermann returned from one last commercial break on "Countdown" to tell viewers it was his last broadcast, and read a James Thurber short story in a three-minute exit statement. Simultaneously, MSNBC e-mailed a statement that "MSNBC and Keith Olbermann have ended their contract." The network thanked him and said, "we wish him well in his future endeavors."

http://www.google.com/hostednews/ap/article/ALeqM5imlpgDcvVf_NPbQpmfJfqepDwB3Q


---

22 Facts Reflecting The Demise Of California

#1 The California state government is facing a potential state budget deficit of 19 billion dollars this year, and California debt is rapidly approaching junk status. One way or another the taxpayers of California are going to have to pay for this mess somehow.

#2 California Governor Jerry Brown recently unveiled a "draconian" budget plan for 2011 that includes 12 billion dollars more in spending cuts and that maintains 12 billion dollars in recent tax increases.

#3 The state of California currently has the third highest state income tax in the nation: a 9.55% tax bracket at $47,055 and a 10.55% bracket at $1,000,000.

#4 California has the highest state sales tax rate in the nation by far at 8.25%. Indiana has the next highest at 7%.

#5 Residents of California pay the highest gasoline taxes (over 67 cents per gallon) in the United States.

#6 California had more foreclosure filings that any other U.S. state in 2010. The 546,669 total foreclosure filings during the year means that over 4 percent of all the housing units in the state of California received a foreclosure filing at some point during 2010.

http://rense.com/general92/22.htm

---

State bankruptcy bill imminent, Gingrich says

(Reuters) - Legislation that would allow U.S. states to file for bankruptcy will likely be introduced in Congress within the next month, Newt Gingrich, the former speaker of the House of Representatives and a powerful Republican party figure, told Reuters on Friday.

http://www.reuters.com/article/idUSTRE70K6PI20110121

---

Big states spurn bankruptcy bill

(Reuters) - Some of the biggest U.S. states with the worst budget deficits on Friday rejected any federal help in the form of a bill that would allow them to file for bankruptcy -- something they now are barred from.

http://www.reuters.com/article/idUSTRE70K78P20110121

---

WikiLeaks founder Assange slams Swiss banker arrest

By Jonathan Lynn GENEVA, Jan 23 (Reuters) - The founder of whistleblower site WikiLeaks attacked Switzerland on Sunday for arresting a Swiss banker on suspicion of breaching banking secrecy instead of investigating the tax evasion he said he had uncovered.

In an interview published in the Swiss weekly Der Sonntag, Julian Assange, whose website has angered Washington by releasing confidential U.S. diplomatic cables, said Switzerland's actions were drawing renewed international attention to its controversial banking practices.

http://www.reuters.com/article/idUSLDE70M07T20110123

---

FDIC's Bair calls for foreclosure claims commission

WASHINGTON, Jan 19 (Reuters) - The mortgage servicing industry should fund a new commission to compensate homeowners who may have wrongly been kicked out of their homes, a top U.S. banking regulator said on Wednesday.

Federal Deposit Insurance Corp Chairman Sheila Bair said this claims commission could be modeled on those created to compensate victims of the BP oil spill and Sept. 11, 2001 attacks. She said the size of such a claims fund would have to be negotiated.

http://www.reuters.com/article/idUSN1922390420110119

---

U.S. mulls way to identify risky financial firms

(Reuters) - U.S. regulators will propose criteria on Tuesday for deciding which market players other than banks, such as hedge funds, could threaten the financial system and require greater scrutiny by the Federal Reserve.

http://www.reuters.com/article/idUSTRE70D2CF20110118

---

Ireland’s Titanic Bailout at Risk, Iceland looms ahead

The announcement by Brian Cowen that he was resigning as the leader of the Fianna Fail party, but is going to stay on as Taoiseach (Prime Minister) until the March 11 election, has put the Irish bailout into question. The November bailout of the Irish economy consisted of a series of different financing packages being combined into a larger total.

The first funds available under the bailout were provided by the raiding of the Irish retirement fund by its bankers. The next steps were to be funded by the EU and IMF funding sources, once the people of Ireland were legally subjected to the bailout requirements. The bailout never made it to a full vote before the collapse of the Fianna Fáil party.

This leaves Ireland in the unique position of being able to reclaim its future, by denying its past. The citizens of Ireland have not accepted the bailout. The coalition is not expected to be able to put the matter to a vote before the election.

“All we know is we are going to get an election on or before March 11 but that is about it,” said Micheal Marsh, professor of politics at Trinity College Dublin, calling the events of the past week “bizarre.”

“If the conditions in which all of this was going on were not so serious it really would be farcical.”

The people are clear they plan on voting for anyone who will fight the bailout. This makes the chances of a post-election bail out vote of acceptance unlikely. If the Bailout fails to be voted on in the coming days, it may never make it to a vote.

The Irish people are overwhelmingly against the loss of their Sovereignty because bankers were allowed to take outsized risk. The fact that these same bankers were allowed to book extremely large bonuses for bankrupting the nation is at the core of the problem.

http://www.zerohedge.com/article/ireland%E2%80%99s-titanic-bailout-risk-iceland-looms-ahead

---

Illinois' First Tax Hike Victim - Jimmy John's 

Jimmy John Liautaud told The News-Gazette on Tuesday that he is angry about the moves, which boosted the individual income tax from 3 percent to 5 percent and the corporate income tax from 7.3 percent to 9.5 percent.

"All they do is stick it to us," he said, adding that the Legislature and governor showed "a clear lack of understanding." "I could absorb this and adapt, but it doesn't feel good in my soul to make it happen," Liautaud said.

Champaign has been its corporate base, but Liautaud said it will not necessarily continue that way. Liautaud said he has been contacted by "multiple pro-business states" that made him feel "wanted and important."

"I enjoy being courted and the process," he said.

Once he collects information on alternative sites, he will present it to the company's board of directors and ask the board to decide.

As for himself, "my family and I are out of here," he said.

Jimmy John's employs 100 at the corporate office in Champaign and has 190 other employees who work elsewhere but come to Champaign every four weeks, Liautaud said.

Some people may not realize how many travel to Champaign-Urbana as a result of Jimmy John's being here – many of them for training. Liautaud said his business accounts for "350 motel nights a week in Champaign, 1,400 motel nights a month."

"They eat at Cheddars," get automotive service at Sullivan-Parkhill and "drink at Carlos (Nieto's) bars," he said.

http://globaleconomicanalysis.blogspot.com/2011/01/illinois-first-tax-hike-victim-jimmy.html

---

Budget Deficit Accounting Fraud and the Off-Balance-Sheet Student Loan Scam; Time to Scrap Entire Student Loan Program

Inquiring minds have been wondering why the federal debt has been rising far faster than cumulative federal deficits. The short answer is off-balance-sheet scams like student loans and Fannie Mae and Freddie Mac "assets".

http://globaleconomicanalysis.blogspot.com/2011/01/budget-deficit-accounting-fraud-and-off.html

---

Brian Cowen: The PM who lost his powers

http://www.bbc.co.uk/news/world-europe-12258654

---

Cuba stops postal service to US 'until further notice'

http://www.bbc.co.uk/news/world-latin-america-12257412

---

New tests for 'murder weapon' in Amanda Knox case

"This is a key moment," Knox's lawyer Carlo Dalla Vedova said before the hearing started. "Today, for the first time, independent experts will be asked to examine the evidence."

http://www.bbc.co.uk/news/uk-12258935

---

The most stressful dinner party in the world?

One of the key moments of a sensitive state visit to the US by Chinese President Hu Jintao was a state dinner in the White House - the kind of occasion where the food has to do a lot more than simply taste great.

http://www.bbc.co.uk/news/world-us-canada-12255127

---

Ivory Coast: Regional bank ally of Laurent Gbagbo quits

A key ally of Ivory Coast's disputed leader Laurent Gbagbo has resigned as head of the Central Bank of West African States amid regional pressure.

http://www.bbc.co.uk/news/world-africa-12260535

---

Silvio Berlusconi refuses to quit in Italy sex scandal

Italian Prime Minister Silvio Berlusconi has told his People of Freedom party he has no intention of resigning over allegations he had sex with an under-age prostitute.

http://www.bbc.co.uk/news/world-europe-12260299

---

Hawaii governor claims record of Obama's birth 'exists in archives' but can't produce the vital document

And he again promised he would do 'what I can do' to publicly verify that records show Obama was born in Hawaii and is a citizen of the United States, making him eligible to be President.


The Governor vowed when he took office in December that he would do his best to end the debate over Obama's birth, which began in 2008 during the presidential campaign.


'We'll do what we can as quickly as we can to make it inevitable that only those who wish the President ill, only the ones with a political agenda, will be the ones doing this kind of thing,' he said at the time. 'The President is entitled to the respect of his office and he's entitled to have his mother and father respected.'
During that interview, Abercrombie said his goal to combat birthers was a personal one.

http://www.dailymail.co.uk/news/article-1348916/Hawaii-governor-says-Obamas-birth-record-exists-produce-it.html#ixzz1Btg7tyVt

---

China buys gold and the world follows - The Chinese are building on a trend that’s likely to last

SAN FRANCISCO (MarketWatch) — Gold prices have lost around $75 an ounce this year but analysts are unfazed by the drop, with many betting the slump in prices will soon be cut short as the Chinese New Year feeds an increase in global demand that’s destined to last.

“We are entering a period of strong seasonal growth in gold demand and Chinese New Year is a big part of that,” said Brien Lundin, editor of Gold Newsletter. “Physical demand has been supporting the gold prices on the downside even during the typical slack periods, and I expect that upcoming increase in demand will also support the price, but at higher levels.”

http://www.marketwatch.com/story/china-buys-gold-and-the-world-follows-2011-01-21

---

The World is sinking: Dubai islands 'falling into the sea'

The islands were intended as the ultimate luxury possession, even for Dubai.

Now their sands are eroding and the navigational channels between them are silting up, the British lawyer for a company bringing a case against the state-run developer, Nakheel, has told judges.
"The islands are gradually falling back into the sea," Richard Wilmot-Smith QC, for Penguin Marine, said. The evidence showed "erosion and deterioration of The World islands", he added.

http://www.telegraph.co.uk/news/worldnews/middleeast/dubai/8271643/The-World-is-sinking-Dubai-islands-falling-into-the-sea.html


---


Spain to rescue its banks

The Spanish government is set to launch a sweeping restructuring of its troubled regional savings banks in an attempt to reassure the market it can sort out the problems of its financial system..

Forty out of a total of 45 Spanish cajas will merge or form operating alliances with each other as the authorities look to prevent fears over the banking system from morphing into a wider market run on the country as a whole.

http://www.activistpost.com/2011/01/spain-to-rescue-its-banks.html


 


 


 










rock tops granite horrible experience, rock tops granite rip off, rock tops granite, rock tops granite, rock tops granite rip off, rock tops granite scam, rock tops granite rip off, rock tops granite, rock tops granite, rock tops granite, rock tops granite, rock tops granite scam, rock tops granite, rock tops granite horrible experience, rock tops granite scam, rock tops granite

<b>News</b> Corp has spent $30M on The Daily iPad newspaper | VentureBeat

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

Bad <b>news</b>: Chuck Schumer snubbed by Snooki « Hot Air

Bad news: Chuck Schumer snubbed by Snooki. ... Bad news: Chuck Schumer snubbed by Snooki. Share. posted at 8:34 pm on February 1, 2011 by Allahpundit printer-friendly. To cleanse the palate, via WaPo and Vimeo poster “PAPSFIRST,” an ...

Breaking <b>News</b> - Lolcats &#39;n&#39; Funny Pictures of Cats - I Can Has <b>...</b>

Funny Pictures - Breaking News - Cereal Killer strikes again!

Friday, January 28, 2011

Free Making Money





















The solution to a cash flow problem is often right at your fingertips. Fear and concern can keep us from piecing together answers that can make a significant difference. When cash-strapped clients call for a session, we turn over a few stones that are damming up their cash flow and often resolve the immediate problem with a few simple changes or action steps.

Some common oversights and mistakes made by business owners are directly related to a lack of confidence or self worth. Some are related to a fear of looking at, and understanding, their numbers and some are simply due to lack of experience or knowledge.  If you identify with any of these roadblocks reach out to someone who can help so you can put yourself firmly in the driver’s seat.  Here are a few ideas that might just get the cash flowing and profits moving.

Review your accounts receivable (AR) – Who owes you money? How long have these outstanding invoices been on the books and what are you doing to collect them? The longer you allow these invoices to remain unpaid the less chance you have of collecting on them. Small business owners are often afraid to “get too pushy” for fear of jeopardizing future business. Ask yourself if you really want to do business with someone who doesn’t value your services enough to pay you on a timely basis. Ask yourself if YOU value your services and how these outstanding invoices reflect on your own values. Remember, the efforts that you put into collections could be put toward marketing instead. But meanwhile, make some phone calls, send letters and, if necessary, have an attorney draft a letter for you and nudge the late pays into action.


Review your terms - What are the terms that you apply to your sales? Do your clients pay you upfront? Do they pay a portion in advance and have 30, 60 or 90 days to pay the balance? I once worked with a client who provided a service in the wedding industry. She collected 30% at the time the order was placed and the remaining balance on the wedding day. We changed her collection terms to 1/3rd upon booking, 1/3rd 30 days prior to the event and the 1/3rd on the day of the event. This simple adjustment really loosened things up for her and gave her a safety net.


Charge your worth – Okay, here’s the real issue for many soloists. Wow! I can’t count the times that I have heard people say they haven’t raised their fees in 10 years or that they feel sorry for people who can’t afford their services. There is nothing wrong with a little pro bono work, for sure, but please don’t end up in the poor house to compensate for someone else’s financial concerns.  If you do offer a reduction in fees or product cost communicate the terms clearly and make sure it’s not to your own detriment. Also, do a little competitive analysis by researching services and products similar to yours to see what the going rates are. Do you hear yourself making excuses to support your decision to charge lower rates? If so, talk to your accountant, coach, mentor or advisory board to gain perspective. Unless you are submitting RFP’s for government contracts the lowest bid doesn’t always win. Re-evaluate your pricing and make sure you are valuing your services and products as much as you hope that your clients will.

Evaluate your expenses – Another common cash flow issue is created by excess spending. For example, do you have contractors that you send jobs to because you want to keep them happy? We know that outsourcing is a priority so that your time is free to build your business, but if this is done to excess during a low revenue point it can backfire. I often hear concerns like, “Janie has been doing work for me for years and I can’t cut down on her hours.”  Yes, it’s difficult when you feel responsible for a portion of someone else’s income, but in the long run these temporary cuts will keep you in the black long enough to rebuild and move forward in a stronger position so that you can resume sending work their way. 

In this down economy, some soloists are holding on to office space that may no longer be necessary. If you need to make cuts like this, look for the advantages and give yourself a timeframe to work within. If you have a plan that you believe will turn things around, schedule a date to reevaluate your spending. It’s easy to get caught up in the “what if’s” when we are making decisions like letting go of an office. What if things turn around? What if my clients find out? Make a list of your pros and cons and understand your financial limits. Removing the stress of added expenses will help you to focus more clearly on solutions and growing your business.

Where have you found money in your business? Is there anything you are procrastinating on? What solutions have worked for you? Share them here on Successful Soloist!











Submitted by Taylor Cottam of Economy Politics

Another Call For The Fed To Raise Rates, So Big Banks Can Start Lending And Hiring Again

As we explained in our previous article Seeking an interest rate solution,
real interest rates are negative and nominal short term interest rates
are near zero. That is not healthy. What is a healthy interest rate? My
view is that short term rates should be above 1% to make them positive
and closer to 2%.  It has caused consumer credit to contract. 



Of course, banks would argue that a healthy spread is the key to a
healthy banking sector.  Raising the rate would likely flatten the yield
curve.  What gives? 



How banks really make money



Banks are not in the business of making loans per se.  They are in the
business of making more off their assets than their liabilities.  In
normal times, underwriting consumer and business loans are the best
avenue for them to pursue that goal. 



Banks, and many hedge funds, really make money off the yield curve. They
have assets with a higher duration than their liabilities. Although
banks fund their assets with a mix of checking, demand deposits and some
longer dated term deposits (CDs), they have the ability to swap out
longer term deposits (CDs) to make their liabilities duration almost
zero. Their assets, which are typically loans to consumers and
businesses, have a longer duration.  Since the yield curve almost always
slopes upward, they make money off the yield curve spread plus the
credit spread. 



In 2008, I did some modeling for a large financial institution that had
duration of liabilities of roughly 3.5 years, based upon mostly term
deposits. They were able to bring the duration on their entire
liabilities portfolio down to a duration of less than 0.25 (3 months) by
transacting a simple fixed for floating amortizing swap based upon
their CD maturity schedule. Every quarter, with the 3 month rate sunk
below 25 bps, we would receive a large cash settlement from our
investment bank counterparty. I didn't stick for the full term of the
swap, but on a 1.5 BB principal, our estimate of earnings from the swap
alone stood at $100MM over three years. Based upon where short term
rates have stayed, they could have made 1.5 times that.



With our cost of capital below 25 bps, we did the thing that any
rational person would do.  We stopped lending to people and
businesses and lent to the US government instead.  We bought Treasuries.
In this case, the 5-year yields were above 2% bringing our expected
risk free spread above 2 points.



In 2008 and 2009, when it became obvious that Bernanke would likely
leave short-term rates low for an extended period of time, yield curve
risk became an afterthought. Those actions have been largely vindicated.
If we held the Treasuries for at least three years, the term of the
swap, we would just sit back and make money off the spread without
having to originate a single loan.



You get to be a bank, without having to do any work to originate loans.
Who needs a large origination group, when you can make a ton of money
and fire half of your employees?



Pushed or Pulled into Treasuries



During the recession there was often talk of a flight to quality.
Investors would flee risky assets and go into something safe. However,
investors are not always being pushed, they are often pulled. During the
recession, we began seeing a very steep yield curve. The spread
investors are as much lured by the allure of easy money with a steep
yield curve as they are by the fear of risky assets.





hugelugee


dsdean


giakso


jaratago


jakeryanfilms


jzyiwoldp


cfaree


sxxmnn


alexanderlys


jujupunx


emoxdahl


eltahir


lorencita


carmyxd


emanuelt


anbulyofdeath


dxyitffliak


kanizsaj

Wednesday, January 26, 2011

buy discount Free rental agreement forms

[blogsearch]

jcpHmuU

Newspapers Try to Reimpose Scarcity on <b>News</b> With Ongo: Tech <b>News</b> <b>...</b>

In another attempt to undo the Internet, the New York Times, the Washington Post and the Gannett chain today launched a new service that they hope will convince readers to pay for their content, even though much of it is already ...

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Small Business <b>News</b>: Doing Business With the World

Why settle for your local market when you could be doing business with the world. A survey shows small business owners are already moving in this direction at.



uWUvyHX

Newspapers Try to Reimpose Scarcity on <b>News</b> With Ongo: Tech <b>News</b> <b>...</b>

In another attempt to undo the Internet, the New York Times, the Washington Post and the Gannett chain today launched a new service that they hope will convince readers to pay for their content, even though much of it is already ...

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Small Business <b>News</b>: Doing Business With the World

Why settle for your local market when you could be doing business with the world. A survey shows small business owners are already moving in this direction at.



kQJACK

Newspapers Try to Reimpose Scarcity on <b>News</b> With Ongo: Tech <b>News</b> <b>...</b>

In another attempt to undo the Internet, the New York Times, the Washington Post and the Gannett chain today launched a new service that they hope will convince readers to pay for their content, even though much of it is already ...

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Small Business <b>News</b>: Doing Business With the World

Why settle for your local market when you could be doing business with the world. A survey shows small business owners are already moving in this direction at.



IACnqz

Newspapers Try to Reimpose Scarcity on <b>News</b> With Ongo: Tech <b>News</b> <b>...</b>

In another attempt to undo the Internet, the New York Times, the Washington Post and the Gannett chain today launched a new service that they hope will convince readers to pay for their content, even though much of it is already ...

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Small Business <b>News</b>: Doing Business With the World

Why settle for your local market when you could be doing business with the world. A survey shows small business owners are already moving in this direction at.



jCPszz

Newspapers Try to Reimpose Scarcity on <b>News</b> With Ongo: Tech <b>News</b> <b>...</b>

In another attempt to undo the Internet, the New York Times, the Washington Post and the Gannett chain today launched a new service that they hope will convince readers to pay for their content, even though much of it is already ...

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Small Business <b>News</b>: Doing Business With the World

Why settle for your local market when you could be doing business with the world. A survey shows small business owners are already moving in this direction at.



FaGcW

Newspapers Try to Reimpose Scarcity on <b>News</b> With Ongo: Tech <b>News</b> <b>...</b>

In another attempt to undo the Internet, the New York Times, the Washington Post and the Gannett chain today launched a new service that they hope will convince readers to pay for their content, even though much of it is already ...

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Small Business <b>News</b>: Doing Business With the World

Why settle for your local market when you could be doing business with the world. A survey shows small business owners are already moving in this direction at.



oYWJf


TQOChUAP

Newspapers Try to Reimpose Scarcity on <b>News</b> With Ongo: Tech <b>News</b> <b>...</b>

In another attempt to undo the Internet, the New York Times, the Washington Post and the Gannett chain today launched a new service that they hope will convince readers to pay for their content, even though much of it is already ...

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Small Business <b>News</b>: Doing Business With the World

Why settle for your local market when you could be doing business with the world. A survey shows small business owners are already moving in this direction at.