Thursday, February 17, 2011

Free Making Money





(iStockphoto)


Have you noticed that your paychecks have been a bit larger than normal lately? That’s because in 2011, the government is cutting the social security payroll tax paid by individuals from 6.2% to 4.2%.


How much is that in stone cold cash? If your annual income is $40,000, that’s $800 over the course of the year divided among your bi-weekly or monthly paychecks. If you earn $80,000 annually, your extra pocket money is $1,600. For those who make $106,800 or above, you’ll see an extra $2,136. Since social security is taxed individually, married couples could get up to a $4,272 take home pay boost for the year.


Now, what should you do with your extra moolah? Sheryl Garrett, the author of the Personal Finance for Dummies Workbook, a Certified Financial Planner and founder of the Garrett Planning Network, suggests these 10 ways to wisely spend your money, in order of importance for increasing your financial standing for years to come.


Balance Your Budget


If you live paycheck to paycheck, or on a tight budget, the extra $66 per month (if your annual income is $40,000) could mean the difference in paying your electricity bill this month – or not. This month, balance your budget with the fatter paychecks. Next month, adjust your budget so your expenses and income balances when the payroll tax cut expires. Since this bonus money is a one-year deal, don’t rely on it next year to cover basic expenses. Focus on other expense-reduction strategies: negotiate your next lease, use coupons at restaurants, ditch buying grocery items that are spoiling in your fridge, or change your IRS withholding if you get a refund every year.


Settle old debts


“Wouldn’t it be nice to pay off your mom and dad for the money they lent you for an apartment deposit?” says Garrett. Use this money to pay off any money you borrowed from family or friends.


Pay Off Credit Cards (and keep them that way)


Credit cards are easiest to attack, since you see the bill each month. If you use Mint.com, you can set up a goal to pay down your credit-card debt, and Mint will prepare a customized plan for you based on your cards’ balances and interest rates.


Boost Your 401(k) Contributions


If you’re currently not taking advantage of the full amount your employer will match on your 401(k), use your extra cash here. Once you’ve fulfilled this amount, deposit any remaining funds in a Roth IRA.


Contribute to a Roth IRA


Unless your adjusted gross income is higher than $122,000 if you’re single, or $179,000 if you’re married, filing jointly, you are eligible to contribute up to $5,000 in a Roth IRA. (The contribution limit is $6,000 if you’re 50 or older.) If you haven’t already made that contribution for 2010, you have until April 18, 2011, to do so. You can also, of course, contribute another $5,000 for 2011. While the amount you contribute is not tax deductible, you’ll reap the benefits once you start making withdrawals: all your withdrawals, earnings included, are completely tax-free as long as you’ve held them for at least five years. (And, of course, you need to be 59 ½ or older to make penalty-free contributions.)


Buy Yourself Marketable Skills


Enhance your ability to earn money in any of a number ways. If you’re actively looking for a job, consider hiring a resume service to help polish your resume. If you’ve been thinking of going back to school, take your GRE or GMAT test. Take a continuing education course. Buy a snazzy suit for interviews. The key is to spend cash in a way that will boost your income, now or in the near future.


Invest in Your Health


If one of your New Year’s resolutions was to improve your health, now is the time to see a nutritionist. If you’re a smoker, join a stop smoking program. Buy a bicycle to save on gas, or caulk your windows or insulate home. With every investment, think: will this save me money next year by doing this action?


Shop for Organization Tools


Luckily, Mint.com and basic tax software is free, but consider upgrading to the non-free version if you have a home business or more complicated tax forms. If your important documents are scattered across the house, buy a file cabinet or an expandable file organizer. The better organized you are, the easier it will be to manage your money.


Take a Vacay


If you already have all these categories covered, take a vacation. A yoga retreat, cruise or weekend with your honey at a B&B may be just what you need to return home and spend quality time tweaking your budget to perfection.


Reyna Gobel is a freelance journalist who specializes in financial fitness. She is also the author of Graduation Debt: How To Manage Student Loans and Live Your Life.








(iStockphoto)


Have you noticed that your paychecks have been a bit larger than normal lately? That’s because in 2011, the government is cutting the social security payroll tax paid by individuals from 6.2% to 4.2%.


How much is that in stone cold cash? If your annual income is $40,000, that’s $800 over the course of the year divided among your bi-weekly or monthly paychecks. If you earn $80,000 annually, your extra pocket money is $1,600. For those who make $106,800 or above, you’ll see an extra $2,136. Since social security is taxed individually, married couples could get up to a $4,272 take home pay boost for the year.


Now, what should you do with your extra moolah? Sheryl Garrett, the author of the Personal Finance for Dummies Workbook, a Certified Financial Planner and founder of the Garrett Planning Network, suggests these 10 ways to wisely spend your money, in order of importance for increasing your financial standing for years to come.


Balance Your Budget


If you live paycheck to paycheck, or on a tight budget, the extra $66 per month (if your annual income is $40,000) could mean the difference in paying your electricity bill this month – or not. This month, balance your budget with the fatter paychecks. Next month, adjust your budget so your expenses and income balances when the payroll tax cut expires. Since this bonus money is a one-year deal, don’t rely on it next year to cover basic expenses. Focus on other expense-reduction strategies: negotiate your next lease, use coupons at restaurants, ditch buying grocery items that are spoiling in your fridge, or change your IRS withholding if you get a refund every year.


Settle old debts


“Wouldn’t it be nice to pay off your mom and dad for the money they lent you for an apartment deposit?” says Garrett. Use this money to pay off any money you borrowed from family or friends.


Pay Off Credit Cards (and keep them that way)


Credit cards are easiest to attack, since you see the bill each month. If you use Mint.com, you can set up a goal to pay down your credit-card debt, and Mint will prepare a customized plan for you based on your cards’ balances and interest rates.


Boost Your 401(k) Contributions


If you’re currently not taking advantage of the full amount your employer will match on your 401(k), use your extra cash here. Once you’ve fulfilled this amount, deposit any remaining funds in a Roth IRA.


Contribute to a Roth IRA


Unless your adjusted gross income is higher than $122,000 if you’re single, or $179,000 if you’re married, filing jointly, you are eligible to contribute up to $5,000 in a Roth IRA. (The contribution limit is $6,000 if you’re 50 or older.) If you haven’t already made that contribution for 2010, you have until April 18, 2011, to do so. You can also, of course, contribute another $5,000 for 2011. While the amount you contribute is not tax deductible, you’ll reap the benefits once you start making withdrawals: all your withdrawals, earnings included, are completely tax-free as long as you’ve held them for at least five years. (And, of course, you need to be 59 ½ or older to make penalty-free contributions.)


Buy Yourself Marketable Skills


Enhance your ability to earn money in any of a number ways. If you’re actively looking for a job, consider hiring a resume service to help polish your resume. If you’ve been thinking of going back to school, take your GRE or GMAT test. Take a continuing education course. Buy a snazzy suit for interviews. The key is to spend cash in a way that will boost your income, now or in the near future.


Invest in Your Health


If one of your New Year’s resolutions was to improve your health, now is the time to see a nutritionist. If you’re a smoker, join a stop smoking program. Buy a bicycle to save on gas, or caulk your windows or insulate home. With every investment, think: will this save me money next year by doing this action?


Shop for Organization Tools


Luckily, Mint.com and basic tax software is free, but consider upgrading to the non-free version if you have a home business or more complicated tax forms. If your important documents are scattered across the house, buy a file cabinet or an expandable file organizer. The better organized you are, the easier it will be to manage your money.


Take a Vacay


If you already have all these categories covered, take a vacation. A yoga retreat, cruise or weekend with your honey at a B&B may be just what you need to return home and spend quality time tweaking your budget to perfection.


Reyna Gobel is a freelance journalist who specializes in financial fitness. She is also the author of Graduation Debt: How To Manage Student Loans and Live Your Life.





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Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.

Fox <b>News</b> caught faking it - Boing Boing

When a liberal blogger asked Fox News reporter Jesse Watters for comment on recent claims from an insider that the network makes stuff up, Watters ignored the question and mocked the interviewer's cheap camera. After MSNBC ran the clip, ...

Washington Extra – Royal <b>news</b> | Analysis &amp; Opinion |

As is increasingly the case, the United States is finding that talking pro-democracy is one thing. Dealing with the aftermath of uprisings another.


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Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.

Fox <b>News</b> caught faking it - Boing Boing

When a liberal blogger asked Fox News reporter Jesse Watters for comment on recent claims from an insider that the network makes stuff up, Watters ignored the question and mocked the interviewer's cheap camera. After MSNBC ran the clip, ...

Washington Extra – Royal <b>news</b> | Analysis &amp; Opinion |

As is increasingly the case, the United States is finding that talking pro-democracy is one thing. Dealing with the aftermath of uprisings another.


bench craft company sales

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.

Fox <b>News</b> caught faking it - Boing Boing

When a liberal blogger asked Fox News reporter Jesse Watters for comment on recent claims from an insider that the network makes stuff up, Watters ignored the question and mocked the interviewer's cheap camera. After MSNBC ran the clip, ...

Washington Extra – Royal <b>news</b> | Analysis &amp; Opinion |

As is increasingly the case, the United States is finding that talking pro-democracy is one thing. Dealing with the aftermath of uprisings another.


bench craft company sales

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.

Fox <b>News</b> caught faking it - Boing Boing

When a liberal blogger asked Fox News reporter Jesse Watters for comment on recent claims from an insider that the network makes stuff up, Watters ignored the question and mocked the interviewer's cheap camera. After MSNBC ran the clip, ...

Washington Extra – Royal <b>news</b> | Analysis &amp; Opinion |

As is increasingly the case, the United States is finding that talking pro-democracy is one thing. Dealing with the aftermath of uprisings another.


bench craft company scam

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.

Fox <b>News</b> caught faking it - Boing Boing

When a liberal blogger asked Fox News reporter Jesse Watters for comment on recent claims from an insider that the network makes stuff up, Watters ignored the question and mocked the interviewer's cheap camera. After MSNBC ran the clip, ...

Washington Extra – Royal <b>news</b> | Analysis &amp; Opinion |

As is increasingly the case, the United States is finding that talking pro-democracy is one thing. Dealing with the aftermath of uprisings another.


benchcraft company scam

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.

Fox <b>News</b> caught faking it - Boing Boing

When a liberal blogger asked Fox News reporter Jesse Watters for comment on recent claims from an insider that the network makes stuff up, Watters ignored the question and mocked the interviewer's cheap camera. After MSNBC ran the clip, ...

Washington Extra – Royal <b>news</b> | Analysis &amp; Opinion |

As is increasingly the case, the United States is finding that talking pro-democracy is one thing. Dealing with the aftermath of uprisings another.


bench craft company scam

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.

Fox <b>News</b> caught faking it - Boing Boing

When a liberal blogger asked Fox News reporter Jesse Watters for comment on recent claims from an insider that the network makes stuff up, Watters ignored the question and mocked the interviewer's cheap camera. After MSNBC ran the clip, ...

Washington Extra – Royal <b>news</b> | Analysis &amp; Opinion |

As is increasingly the case, the United States is finding that talking pro-democracy is one thing. Dealing with the aftermath of uprisings another.


bench craft company scam

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.

Fox <b>News</b> caught faking it - Boing Boing

When a liberal blogger asked Fox News reporter Jesse Watters for comment on recent claims from an insider that the network makes stuff up, Watters ignored the question and mocked the interviewer's cheap camera. After MSNBC ran the clip, ...

Washington Extra – Royal <b>news</b> | Analysis &amp; Opinion |

As is increasingly the case, the United States is finding that talking pro-democracy is one thing. Dealing with the aftermath of uprisings another.


bench craft company scam

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.

Fox <b>News</b> caught faking it - Boing Boing

When a liberal blogger asked Fox News reporter Jesse Watters for comment on recent claims from an insider that the network makes stuff up, Watters ignored the question and mocked the interviewer's cheap camera. After MSNBC ran the clip, ...

Washington Extra – Royal <b>news</b> | Analysis &amp; Opinion |

As is increasingly the case, the United States is finding that talking pro-democracy is one thing. Dealing with the aftermath of uprisings another.















Friday, February 11, 2011

Making Money Easy

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Frank's Online Money Maker by Online Money Maker


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Beth Knobel: Why CBS <b>News</b>, and Everyone Else, Needs to Remember <b>...</b>

The future of journalism is bleak: too many journalists are satisfied parroting wire service copy instead of doing original reporting. The problem lies in the two vicious cycles this trend creates.

Facebook CTO Says <b>News</b> Next In Social Revolution

Each week we ask chief technology officers and other high-profile tech decision-makers three questions. This week, Bret Taylor, chief technology officer at Facebook and co-founder and former chief executive of FriendFeed, ...

Nokia and Microsoft form mobile partnership | <b>News</b>

Nokia and Microsoft have announced plans to form a partnership in the mobile space that the companies hope will help it c...


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Frank's Online Money Maker by Online Money Maker


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Beth Knobel: Why CBS <b>News</b>, and Everyone Else, Needs to Remember <b>...</b>

The future of journalism is bleak: too many journalists are satisfied parroting wire service copy instead of doing original reporting. The problem lies in the two vicious cycles this trend creates.

Facebook CTO Says <b>News</b> Next In Social Revolution

Each week we ask chief technology officers and other high-profile tech decision-makers three questions. This week, Bret Taylor, chief technology officer at Facebook and co-founder and former chief executive of FriendFeed, ...

Nokia and Microsoft form mobile partnership | <b>News</b>

Nokia and Microsoft have announced plans to form a partnership in the mobile space that the companies hope will help it c...


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Beth Knobel: Why CBS <b>News</b>, and Everyone Else, Needs to Remember <b>...</b>

The future of journalism is bleak: too many journalists are satisfied parroting wire service copy instead of doing original reporting. The problem lies in the two vicious cycles this trend creates.

Facebook CTO Says <b>News</b> Next In Social Revolution

Each week we ask chief technology officers and other high-profile tech decision-makers three questions. This week, Bret Taylor, chief technology officer at Facebook and co-founder and former chief executive of FriendFeed, ...

Nokia and Microsoft form mobile partnership | <b>News</b>

Nokia and Microsoft have announced plans to form a partnership in the mobile space that the companies hope will help it c...


bench craft company

Beth Knobel: Why CBS <b>News</b>, and Everyone Else, Needs to Remember <b>...</b>

The future of journalism is bleak: too many journalists are satisfied parroting wire service copy instead of doing original reporting. The problem lies in the two vicious cycles this trend creates.

Facebook CTO Says <b>News</b> Next In Social Revolution

Each week we ask chief technology officers and other high-profile tech decision-makers three questions. This week, Bret Taylor, chief technology officer at Facebook and co-founder and former chief executive of FriendFeed, ...

Nokia and Microsoft form mobile partnership | <b>News</b>

Nokia and Microsoft have announced plans to form a partnership in the mobile space that the companies hope will help it c...


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Frank's Online Money Maker by Online Money Maker


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Beth Knobel: Why CBS <b>News</b>, and Everyone Else, Needs to Remember <b>...</b>

The future of journalism is bleak: too many journalists are satisfied parroting wire service copy instead of doing original reporting. The problem lies in the two vicious cycles this trend creates.

Facebook CTO Says <b>News</b> Next In Social Revolution

Each week we ask chief technology officers and other high-profile tech decision-makers three questions. This week, Bret Taylor, chief technology officer at Facebook and co-founder and former chief executive of FriendFeed, ...

Nokia and Microsoft form mobile partnership | <b>News</b>

Nokia and Microsoft have announced plans to form a partnership in the mobile space that the companies hope will help it c...


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Insert cliché opening paragraph about the economy and nowadays people are turning to work online, blah, blah, blah. Oh, wait, you're actually reading? Sorry. Well, then, let me say this. Making money online is possible, but, just as everyone will tell you (except for the scammers), don't expect to "get rich" or "get rich quick". You have to put in time, effort, and most of all, work.

Things to Avoid
1. Anything that asks for payment.
Never, ever spend your time on these. You will be losing money and making someone else's wallet fat for them without them having to do anything but scam you. I once heard it phrased like this, you don't have to pay for a job interview, do you? It's the same concept here.

2. Paid-to-try/trial offers. Generally, these are a scam. Yes, they will probably look like a pretty profit, but many of them aren't free to try or charge you after a certain trial period and are very hard to get rid of. They cause frustration and money-loss and are NOT worth it.

3. Anything that doesn't tell you what you're doing upfront. This is kind of obvious. If it's shady, it's probably a scam.

4. "Get rich quick"s. You don't get rich quick any time in life unless you win the lottery or something like that. Work is work. Everyone has to earn their money and they don't get rich quick doing it.

Really, just use some common sense and you should be fine.

What I have learned is that a few places, while they don't make much money for me, are slow and steady and reliable. (Other than freelancing, that is. Freelancing is an entirely different set of ideas.)

BeRuby.com
BeRuby is a site that pays you very small amounts when you click on websites through their web-page. Many of the sites I go to every day are there, and many that I don't are also there. (Click on them anyway.) They also pay you for signing up at certain places and cash back for shopping at stores they have deals with, many of which are hotel sites and airline sites and big names, like K-Mart.

It has a $10.00 payout minimum and pays to PayPal. While I don't expect to make much here (I'm not), the extra couple bucks I gain from two minutes of effort and the time I spent on the computer every day is worth it to me. I don't have to change anything up or spend hours filling in stupid surveys.

See here.

Number two: Inbox Dollars
This site sends you emails, which you can open in your inbox or in your inbox on their site. They also offer a variety of ways to otherwise make money, including surveys, trials, signing up for things their advertisers send them, games, shopping, etc.

Their payout is $30.00, which seems like a lot for a paid-to-open site, but like I said, it doesn't happen overnight.

See here.

Number three: SendEarnings
They are, literally, identical to Inbox Dollars. They are even run by the same company. They have the same payout and send you the same emails and offers, so you can really get paid twice for opening the same email, which some might call scamming - except for the fact that they let you sign up under the same name and everything. Their pay-out is also $30.00.

See here.

Number four: Cash Crate
Similar to the above two, Cash Crate has a good reputation, a clean layout, and a $20.00 payout which is relatively easy to reach. They are a similar set-up to the above two: surveys, offers, etc. I personally like Cash Crate the best.

See here.

Number five: ChaCha!
If you don't know what ChaCha is, it is a service run through cellphones and call ins. People send questions to ChaCha and get answers from real-life people - who might be you. And you can also be paid to do this. It's a relatively complex process. You must go through training and pass a test to get hired, which takes a couple of days, but it's worth it if you can research and type quickly.

A note worth mentioning: they only work properly in FireFox.

See here.

It is possible to get paid through online work that isn't freelance writing or starting your own business. Once again, keep in mind to avoid scams, that it won't happen overnight, that you must work at it, and that it is possible.

Good luck.

Sources:
Personal Experience

Wednesday, February 9, 2011

About Making Money

Regulators at the Environmental Protection Agency got the message early.


A month before President Obama promised to review all government regulations to remove unnecessary burdens on small business, EPA lawyers asked a federal court for a 16-month delay in implementing a new rule that would limit toxic air pollution from industrial boilers. The rule had been more than a decade in the making, and was issued last June only after the agency had been forced to act by the courts.


The EPA’s initial proposal would have cost companies an estimated $9.5 billion to bring more than 2,000 heat and steam plants across the U.S. into compliance, according to the Office of Management and Budget’s Office of Information and Regulatory Affairs (OIRA), headed by regulation czar and Obama confidante Cass Sunstein.


However, the OIRA analysis also showed that reduced particulate matter, carbon monoxide, chlorine, mercury and dioxin emissions from the rule would prevent about 1,900 to 4,800 premature deaths, 1,300 cases of chronic bronchitis, 3,000 nonfatal heart attacks, 3,200 hospital and emergency room visits and 250,000 lost work days each year. The total health benefits, calculated at $17 billion to $41 billion a year, far outweighed the cost of the proposal, according to OIRA.


Environmentalists feared the EPA’s request was a harbinger of a new administration approach to regulation now that Republicans are in control of the House and the president is focused on creating jobs. “The EPA was running scared because the White House wouldn’t back them,” fumed Frank O’Donnell, president of Clean Air Watch. “After the election things changed.”


The January 18 executive order and memorandum outlining the administration’s new regulatory policy seemed to confirm that analysis. Again in his State of the Union address Tuesday evening, the president pledged to weed out unnecessary and duplicative rules and promised to halt any rules that stood in the way of small business’ ability to create jobs.


“When we find rules that put an unnecessary burden on businesses, we will fix them,” Obama said. “But I will not hesitate to create or enforce common-sense safeguards to protect the American people.”


The administration has moved quickly to cozy up to business. In the past week, the Occupational Safety and Health Administration withdrew two rules that had angered business lobbyists, one a proposed rule that would reduce noise pollution in workplaces and the other that would make companies keep records on musculoskeletal injuries in the workplace."Hearing loss caused by excessive noise levels remains a serious occupational health problem in this country," said OSHA chief David Michaels, whose agency often bears the brunt of small business antagonism toward government regulation.


During the Bush administration, Michaels, then a professor at George Washington University, frequently criticized OSHA and other regulatory agencies for failing to follow science when setting rules for protecting workers and public health. “It is clear from the concerns raised about this proposal that addressing this problem requires much more public outreach and many more resources than we had originally anticipated,” he said as he withdrew the noise rule.


Regulation has always been at the heart of corporate and Republican concerns about the direction the federal government takes under Democratic control. Long before there was a “job-killing” health care bill, there was the job-killing EPA, the job-killing Occupational Safety and Health Administration, the job-killing Mine Safety and Health Administration and any number of agencies that stand accused of undermining economic growth when they enforce laws designed to protect America’s air and water, food and drugs, and working and housing conditions.


Industry lobbyists invariably play the job-killing theme in public when lobbying against proposed rules, even as they use scientific arguments, which they must, while making their case before regulatory agencies. But that gets industry only so far. Science and economic analysis usually support tighter rules as more becomes known about the health effects of hazards and the cost of pollution-control technology drops.


For instance, the EPA’s clean air scientific advisory committee, a panel of outside experts that evaluates scientific evidence presented by stakeholders, had endorsed the tougher standards contained in the EPA’s original rule on industrial boilers.


The Council of Industrial Boiler Owners fought back. It commissioned a report that claimed the EPA’s June rule would put 338,000 jobs at risk and cost twice as much as the EPA/OMB estimate. “There are so many things that have to be changed (in the rule) to make it economically viable. They need to provide some flexibility,” said Robert D. Bessette, president of the Council, whose membership includes most of the nation’s largest chemical and paper products manufacturers. Their industrial boilers are among the largest stationary sources of air pollution outside the electricity generating and oil refining industries.


Earlier this month, the District of Columbia federal court turned down the EPA’s request for a delay and gave the agency until mid-February to come up with a final rule. “We are working to complete the final rules now,” a spokeswoman said.


“Congress will be closely monitoring the final rules when they are released next month and considering what steps can be taken to protect jobs and prevent reckless regulation,” said Energy and Commerce Committee Chairman Fred Upton (R-MI). “The EPA will come up with a rule that I’m sure will make no one happy,” predicted Bessette. “Either the enviros or us will petition for a reconsideration.”


The final industrial boiler rule doesn’t just have economic significance, it could signal the future direction of Obama administration policy on major regulatory issues. A number of major decisions coming down the pike will either please or enrage some of most powerful lobbying organizations in Washington, whether on the industry or environmental side. They include administration plans for regulating greenhouse gas emissions like carbon dioxide; coal-burning electricity generating plants whose emissions cross state lines, the so-called clean air transport rule; and the next round of automobile fuel standards, which will go into effect in 2016.


Those major decisions, not skirmishes over minor or duplicative rules, will determine how far the administration is willing to go to please business. “We’re hoping that the agencies and Cass Sunstein will be doing a lot more cost-benefit analysis and offer more regulatory flexibility,” said Susan Eckerly, senior vice president for federal policy at the National Federation of Independent Businesses, a small- business lobbying group. “Those big EPA decisions might not impact small businesses right away, but they will affect our energy costs.”


Environmentalists and other public interest groups are getting ready to push back. “We want 60 miles per gallon by 2025 and a 6 percent decrease in emissions,” said Ann Mesnikoff, director of the green transportation campaign at the Sierra Club. “California shows the technologies are there to get there very cost effectively.”


With unemployment stuck at 9.4 percent, environmentalists recognize the general public is concerned about getting the economy humming again, so they are touting the job-generating potential of green technologies. Much of the intellectual muscle for their new approach is coming out of California, which has taken the lead on regulating greenhouse gases.


Charles Cicchetti of the Pacific Economics Group, a professor emeritus at the University of Southern California and a Republican, recently issued a report that said the coal plant and industrial boiler rules would create one million jobs by generating $150 billion in new capital investment in the nation’s aging energy infrastructure.


“These are real jobs that can be generated right now,” he said. “The technology exists; the capacity to produce it is sitting idle; and the electricity industry can self-finance anything… This is a far more effective way of creating jobs than the stimulus bill since the feds won’t have to borrow money and go further into debt.”


This post originally appeared at The Fiscal Times.


Deadline confirms the deal with Universal but isn’t able to say whether Julian Assange will participate in the film. Regardless, the movie could be a firebrand that surpasses the interest generated by Mr. Gibney’s last few films.


Julian Assange, the founder of the whistleblower organization WikiLeaks and therefore responsible for the release of thousands of confidential government documents, is a figure that people tend to either love or hate. To some he’s a hero and a champion of free speech and democracy; others see him as an enemy and someone who endangers our freedom by compromising the inner workings of government. (And there are probably many who see him as a troublesome, egocentric kid.)


All that being the case I’d say that Alex Gibney is the perfect man for this job, and I’m eagerly awaiting the results of his work.


In addition, producers at Josephson Entertainment and Michelle Krumm Prods have optioned Andrew Fowler‘s forthoming biography of Mr. Assange, called The Most Dangerous Man in the World. They plan a ‘suspenceful drama thriller’ based on the bio. The book follows the WikiLeaks founder from childhood to the present day. Producers compare the story they want to tell to All the President’s Men.


No word on a screenwriter, director or cast for the biopic at this point. Too bad Steven Soderbergh likely won’t have any interest in this; he’d be great for it. [Variety]







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Fox <b>News</b> Calls Bulletstorm the Worst Videogame in the World

Fox News pundit claims that "increase in rapes" is due largely to videogames.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.

Small Business <b>News</b>: Digital Privacy and Customer Care

Small business is all about customer care. So how to you feel about new proposed legislation that is designed to prevent online clients from tracking customer.


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Regulators at the Environmental Protection Agency got the message early.


A month before President Obama promised to review all government regulations to remove unnecessary burdens on small business, EPA lawyers asked a federal court for a 16-month delay in implementing a new rule that would limit toxic air pollution from industrial boilers. The rule had been more than a decade in the making, and was issued last June only after the agency had been forced to act by the courts.


The EPA’s initial proposal would have cost companies an estimated $9.5 billion to bring more than 2,000 heat and steam plants across the U.S. into compliance, according to the Office of Management and Budget’s Office of Information and Regulatory Affairs (OIRA), headed by regulation czar and Obama confidante Cass Sunstein.


However, the OIRA analysis also showed that reduced particulate matter, carbon monoxide, chlorine, mercury and dioxin emissions from the rule would prevent about 1,900 to 4,800 premature deaths, 1,300 cases of chronic bronchitis, 3,000 nonfatal heart attacks, 3,200 hospital and emergency room visits and 250,000 lost work days each year. The total health benefits, calculated at $17 billion to $41 billion a year, far outweighed the cost of the proposal, according to OIRA.


Environmentalists feared the EPA’s request was a harbinger of a new administration approach to regulation now that Republicans are in control of the House and the president is focused on creating jobs. “The EPA was running scared because the White House wouldn’t back them,” fumed Frank O’Donnell, president of Clean Air Watch. “After the election things changed.”


The January 18 executive order and memorandum outlining the administration’s new regulatory policy seemed to confirm that analysis. Again in his State of the Union address Tuesday evening, the president pledged to weed out unnecessary and duplicative rules and promised to halt any rules that stood in the way of small business’ ability to create jobs.


“When we find rules that put an unnecessary burden on businesses, we will fix them,” Obama said. “But I will not hesitate to create or enforce common-sense safeguards to protect the American people.”


The administration has moved quickly to cozy up to business. In the past week, the Occupational Safety and Health Administration withdrew two rules that had angered business lobbyists, one a proposed rule that would reduce noise pollution in workplaces and the other that would make companies keep records on musculoskeletal injuries in the workplace."Hearing loss caused by excessive noise levels remains a serious occupational health problem in this country," said OSHA chief David Michaels, whose agency often bears the brunt of small business antagonism toward government regulation.


During the Bush administration, Michaels, then a professor at George Washington University, frequently criticized OSHA and other regulatory agencies for failing to follow science when setting rules for protecting workers and public health. “It is clear from the concerns raised about this proposal that addressing this problem requires much more public outreach and many more resources than we had originally anticipated,” he said as he withdrew the noise rule.


Regulation has always been at the heart of corporate and Republican concerns about the direction the federal government takes under Democratic control. Long before there was a “job-killing” health care bill, there was the job-killing EPA, the job-killing Occupational Safety and Health Administration, the job-killing Mine Safety and Health Administration and any number of agencies that stand accused of undermining economic growth when they enforce laws designed to protect America’s air and water, food and drugs, and working and housing conditions.


Industry lobbyists invariably play the job-killing theme in public when lobbying against proposed rules, even as they use scientific arguments, which they must, while making their case before regulatory agencies. But that gets industry only so far. Science and economic analysis usually support tighter rules as more becomes known about the health effects of hazards and the cost of pollution-control technology drops.


For instance, the EPA’s clean air scientific advisory committee, a panel of outside experts that evaluates scientific evidence presented by stakeholders, had endorsed the tougher standards contained in the EPA’s original rule on industrial boilers.


The Council of Industrial Boiler Owners fought back. It commissioned a report that claimed the EPA’s June rule would put 338,000 jobs at risk and cost twice as much as the EPA/OMB estimate. “There are so many things that have to be changed (in the rule) to make it economically viable. They need to provide some flexibility,” said Robert D. Bessette, president of the Council, whose membership includes most of the nation’s largest chemical and paper products manufacturers. Their industrial boilers are among the largest stationary sources of air pollution outside the electricity generating and oil refining industries.


Earlier this month, the District of Columbia federal court turned down the EPA’s request for a delay and gave the agency until mid-February to come up with a final rule. “We are working to complete the final rules now,” a spokeswoman said.


“Congress will be closely monitoring the final rules when they are released next month and considering what steps can be taken to protect jobs and prevent reckless regulation,” said Energy and Commerce Committee Chairman Fred Upton (R-MI). “The EPA will come up with a rule that I’m sure will make no one happy,” predicted Bessette. “Either the enviros or us will petition for a reconsideration.”


The final industrial boiler rule doesn’t just have economic significance, it could signal the future direction of Obama administration policy on major regulatory issues. A number of major decisions coming down the pike will either please or enrage some of most powerful lobbying organizations in Washington, whether on the industry or environmental side. They include administration plans for regulating greenhouse gas emissions like carbon dioxide; coal-burning electricity generating plants whose emissions cross state lines, the so-called clean air transport rule; and the next round of automobile fuel standards, which will go into effect in 2016.


Those major decisions, not skirmishes over minor or duplicative rules, will determine how far the administration is willing to go to please business. “We’re hoping that the agencies and Cass Sunstein will be doing a lot more cost-benefit analysis and offer more regulatory flexibility,” said Susan Eckerly, senior vice president for federal policy at the National Federation of Independent Businesses, a small- business lobbying group. “Those big EPA decisions might not impact small businesses right away, but they will affect our energy costs.”


Environmentalists and other public interest groups are getting ready to push back. “We want 60 miles per gallon by 2025 and a 6 percent decrease in emissions,” said Ann Mesnikoff, director of the green transportation campaign at the Sierra Club. “California shows the technologies are there to get there very cost effectively.”


With unemployment stuck at 9.4 percent, environmentalists recognize the general public is concerned about getting the economy humming again, so they are touting the job-generating potential of green technologies. Much of the intellectual muscle for their new approach is coming out of California, which has taken the lead on regulating greenhouse gases.


Charles Cicchetti of the Pacific Economics Group, a professor emeritus at the University of Southern California and a Republican, recently issued a report that said the coal plant and industrial boiler rules would create one million jobs by generating $150 billion in new capital investment in the nation’s aging energy infrastructure.


“These are real jobs that can be generated right now,” he said. “The technology exists; the capacity to produce it is sitting idle; and the electricity industry can self-finance anything… This is a far more effective way of creating jobs than the stimulus bill since the feds won’t have to borrow money and go further into debt.”


This post originally appeared at The Fiscal Times.


Deadline confirms the deal with Universal but isn’t able to say whether Julian Assange will participate in the film. Regardless, the movie could be a firebrand that surpasses the interest generated by Mr. Gibney’s last few films.


Julian Assange, the founder of the whistleblower organization WikiLeaks and therefore responsible for the release of thousands of confidential government documents, is a figure that people tend to either love or hate. To some he’s a hero and a champion of free speech and democracy; others see him as an enemy and someone who endangers our freedom by compromising the inner workings of government. (And there are probably many who see him as a troublesome, egocentric kid.)


All that being the case I’d say that Alex Gibney is the perfect man for this job, and I’m eagerly awaiting the results of his work.


In addition, producers at Josephson Entertainment and Michelle Krumm Prods have optioned Andrew Fowler‘s forthoming biography of Mr. Assange, called The Most Dangerous Man in the World. They plan a ‘suspenceful drama thriller’ based on the bio. The book follows the WikiLeaks founder from childhood to the present day. Producers compare the story they want to tell to All the President’s Men.


No word on a screenwriter, director or cast for the biopic at this point. Too bad Steven Soderbergh likely won’t have any interest in this; he’d be great for it. [Variety]







bench craft company>

Fox <b>News</b> Calls Bulletstorm the Worst Videogame in the World

Fox News pundit claims that "increase in rapes" is due largely to videogames.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

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Small Business <b>News</b>: Digital Privacy and Customer Care

Small business is all about customer care. So how to you feel about new proposed legislation that is designed to prevent online clients from tracking customer.


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[reefeed]
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Making Money &amp; Making Meaning Masterclass - 22/06/10 by All About Audiences


bench craft company

Fox <b>News</b> Calls Bulletstorm the Worst Videogame in the World

Fox News pundit claims that "increase in rapes" is due largely to videogames.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.

Small Business <b>News</b>: Digital Privacy and Customer Care

Small business is all about customer care. So how to you feel about new proposed legislation that is designed to prevent online clients from tracking customer.


bench craft company

Regulators at the Environmental Protection Agency got the message early.


A month before President Obama promised to review all government regulations to remove unnecessary burdens on small business, EPA lawyers asked a federal court for a 16-month delay in implementing a new rule that would limit toxic air pollution from industrial boilers. The rule had been more than a decade in the making, and was issued last June only after the agency had been forced to act by the courts.


The EPA’s initial proposal would have cost companies an estimated $9.5 billion to bring more than 2,000 heat and steam plants across the U.S. into compliance, according to the Office of Management and Budget’s Office of Information and Regulatory Affairs (OIRA), headed by regulation czar and Obama confidante Cass Sunstein.


However, the OIRA analysis also showed that reduced particulate matter, carbon monoxide, chlorine, mercury and dioxin emissions from the rule would prevent about 1,900 to 4,800 premature deaths, 1,300 cases of chronic bronchitis, 3,000 nonfatal heart attacks, 3,200 hospital and emergency room visits and 250,000 lost work days each year. The total health benefits, calculated at $17 billion to $41 billion a year, far outweighed the cost of the proposal, according to OIRA.


Environmentalists feared the EPA’s request was a harbinger of a new administration approach to regulation now that Republicans are in control of the House and the president is focused on creating jobs. “The EPA was running scared because the White House wouldn’t back them,” fumed Frank O’Donnell, president of Clean Air Watch. “After the election things changed.”


The January 18 executive order and memorandum outlining the administration’s new regulatory policy seemed to confirm that analysis. Again in his State of the Union address Tuesday evening, the president pledged to weed out unnecessary and duplicative rules and promised to halt any rules that stood in the way of small business’ ability to create jobs.


“When we find rules that put an unnecessary burden on businesses, we will fix them,” Obama said. “But I will not hesitate to create or enforce common-sense safeguards to protect the American people.”


The administration has moved quickly to cozy up to business. In the past week, the Occupational Safety and Health Administration withdrew two rules that had angered business lobbyists, one a proposed rule that would reduce noise pollution in workplaces and the other that would make companies keep records on musculoskeletal injuries in the workplace."Hearing loss caused by excessive noise levels remains a serious occupational health problem in this country," said OSHA chief David Michaels, whose agency often bears the brunt of small business antagonism toward government regulation.


During the Bush administration, Michaels, then a professor at George Washington University, frequently criticized OSHA and other regulatory agencies for failing to follow science when setting rules for protecting workers and public health. “It is clear from the concerns raised about this proposal that addressing this problem requires much more public outreach and many more resources than we had originally anticipated,” he said as he withdrew the noise rule.


Regulation has always been at the heart of corporate and Republican concerns about the direction the federal government takes under Democratic control. Long before there was a “job-killing” health care bill, there was the job-killing EPA, the job-killing Occupational Safety and Health Administration, the job-killing Mine Safety and Health Administration and any number of agencies that stand accused of undermining economic growth when they enforce laws designed to protect America’s air and water, food and drugs, and working and housing conditions.


Industry lobbyists invariably play the job-killing theme in public when lobbying against proposed rules, even as they use scientific arguments, which they must, while making their case before regulatory agencies. But that gets industry only so far. Science and economic analysis usually support tighter rules as more becomes known about the health effects of hazards and the cost of pollution-control technology drops.


For instance, the EPA’s clean air scientific advisory committee, a panel of outside experts that evaluates scientific evidence presented by stakeholders, had endorsed the tougher standards contained in the EPA’s original rule on industrial boilers.


The Council of Industrial Boiler Owners fought back. It commissioned a report that claimed the EPA’s June rule would put 338,000 jobs at risk and cost twice as much as the EPA/OMB estimate. “There are so many things that have to be changed (in the rule) to make it economically viable. They need to provide some flexibility,” said Robert D. Bessette, president of the Council, whose membership includes most of the nation’s largest chemical and paper products manufacturers. Their industrial boilers are among the largest stationary sources of air pollution outside the electricity generating and oil refining industries.


Earlier this month, the District of Columbia federal court turned down the EPA’s request for a delay and gave the agency until mid-February to come up with a final rule. “We are working to complete the final rules now,” a spokeswoman said.


“Congress will be closely monitoring the final rules when they are released next month and considering what steps can be taken to protect jobs and prevent reckless regulation,” said Energy and Commerce Committee Chairman Fred Upton (R-MI). “The EPA will come up with a rule that I’m sure will make no one happy,” predicted Bessette. “Either the enviros or us will petition for a reconsideration.”


The final industrial boiler rule doesn’t just have economic significance, it could signal the future direction of Obama administration policy on major regulatory issues. A number of major decisions coming down the pike will either please or enrage some of most powerful lobbying organizations in Washington, whether on the industry or environmental side. They include administration plans for regulating greenhouse gas emissions like carbon dioxide; coal-burning electricity generating plants whose emissions cross state lines, the so-called clean air transport rule; and the next round of automobile fuel standards, which will go into effect in 2016.


Those major decisions, not skirmishes over minor or duplicative rules, will determine how far the administration is willing to go to please business. “We’re hoping that the agencies and Cass Sunstein will be doing a lot more cost-benefit analysis and offer more regulatory flexibility,” said Susan Eckerly, senior vice president for federal policy at the National Federation of Independent Businesses, a small- business lobbying group. “Those big EPA decisions might not impact small businesses right away, but they will affect our energy costs.”


Environmentalists and other public interest groups are getting ready to push back. “We want 60 miles per gallon by 2025 and a 6 percent decrease in emissions,” said Ann Mesnikoff, director of the green transportation campaign at the Sierra Club. “California shows the technologies are there to get there very cost effectively.”


With unemployment stuck at 9.4 percent, environmentalists recognize the general public is concerned about getting the economy humming again, so they are touting the job-generating potential of green technologies. Much of the intellectual muscle for their new approach is coming out of California, which has taken the lead on regulating greenhouse gases.


Charles Cicchetti of the Pacific Economics Group, a professor emeritus at the University of Southern California and a Republican, recently issued a report that said the coal plant and industrial boiler rules would create one million jobs by generating $150 billion in new capital investment in the nation’s aging energy infrastructure.


“These are real jobs that can be generated right now,” he said. “The technology exists; the capacity to produce it is sitting idle; and the electricity industry can self-finance anything… This is a far more effective way of creating jobs than the stimulus bill since the feds won’t have to borrow money and go further into debt.”


This post originally appeared at The Fiscal Times.


Deadline confirms the deal with Universal but isn’t able to say whether Julian Assange will participate in the film. Regardless, the movie could be a firebrand that surpasses the interest generated by Mr. Gibney’s last few films.


Julian Assange, the founder of the whistleblower organization WikiLeaks and therefore responsible for the release of thousands of confidential government documents, is a figure that people tend to either love or hate. To some he’s a hero and a champion of free speech and democracy; others see him as an enemy and someone who endangers our freedom by compromising the inner workings of government. (And there are probably many who see him as a troublesome, egocentric kid.)


All that being the case I’d say that Alex Gibney is the perfect man for this job, and I’m eagerly awaiting the results of his work.


In addition, producers at Josephson Entertainment and Michelle Krumm Prods have optioned Andrew Fowler‘s forthoming biography of Mr. Assange, called The Most Dangerous Man in the World. They plan a ‘suspenceful drama thriller’ based on the bio. The book follows the WikiLeaks founder from childhood to the present day. Producers compare the story they want to tell to All the President’s Men.


No word on a screenwriter, director or cast for the biopic at this point. Too bad Steven Soderbergh likely won’t have any interest in this; he’d be great for it. [Variety]







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Making Money &amp; Making Meaning Masterclass - 22/06/10 by All About Audiences


bench craft company

Fox <b>News</b> Calls Bulletstorm the Worst Videogame in the World

Fox News pundit claims that "increase in rapes" is due largely to videogames.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.

Small Business <b>News</b>: Digital Privacy and Customer Care

Small business is all about customer care. So how to you feel about new proposed legislation that is designed to prevent online clients from tracking customer.


bench craft company

Making Money &amp; Making Meaning Masterclass - 22/06/10 by All About Audiences


bench craft company

Fox <b>News</b> Calls Bulletstorm the Worst Videogame in the World

Fox News pundit claims that "increase in rapes" is due largely to videogames.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.

Small Business <b>News</b>: Digital Privacy and Customer Care

Small business is all about customer care. So how to you feel about new proposed legislation that is designed to prevent online clients from tracking customer.


bench craft company

Fox <b>News</b> Calls Bulletstorm the Worst Videogame in the World

Fox News pundit claims that "increase in rapes" is due largely to videogames.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.

Small Business <b>News</b>: Digital Privacy and Customer Care

Small business is all about customer care. So how to you feel about new proposed legislation that is designed to prevent online clients from tracking customer.


bench craft company

Fox <b>News</b> Calls Bulletstorm the Worst Videogame in the World

Fox News pundit claims that "increase in rapes" is due largely to videogames.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.

Small Business <b>News</b>: Digital Privacy and Customer Care

Small business is all about customer care. So how to you feel about new proposed legislation that is designed to prevent online clients from tracking customer.


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Making Money &amp; Making Meaning Masterclass - 22/06/10 by All About Audiences


bench craft company
bench craft company

Fox <b>News</b> Calls Bulletstorm the Worst Videogame in the World

Fox News pundit claims that "increase in rapes" is due largely to videogames.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.

Small Business <b>News</b>: Digital Privacy and Customer Care

Small business is all about customer care. So how to you feel about new proposed legislation that is designed to prevent online clients from tracking customer.


bench craft company

This is perhaps a kind of "make money online", where you earn money with the help of the most popular video portals like YouTube. I have written about "Making money online" before, but I have not mentioned intentionally YouTube, because I think it's worth a separate article. There are about 24 hours of video uploaded to YouTube every minute and the site has about 2 million hits a day. Well, it suggests an enormous potential, and there are ways to make money by using this potential.

Imagine, there is a video on YouTube that is several hundred thousand hits. This means that a lot of people like the video and see, right? You can often see ads that run in the bottom of the video, or around the video window itself. This is what it is. The ads can lead to large gains, but the question is, how to do this to win a share of revenues.

There are two main methods to make money from YouTube. One of them requires less skill and maybe you do not even have to upload videos excellent, but the gain of money from this method is also less. The way you need to produce quality videos from time to time, it is necessary to spend more effort and time, but also more money for you.

1. Adding ads, watermarks, etc of an existing video for profit:

This is an ancient method. The videos are seen by a variety of people on YouTube, so there's a lot of potential customers out there. Their job is to attract the attention of these people and lead them to your website, product sales site, blog, affiliate site or elsewhere. So the steps are:

* Download the popular YouTube video (do not try this with copyrighted videos though!)
* Add for example, a watermark to the source. (Add a visible place, but preferably not in the middle, for obvious reasons.) Of course, you can do this with your own video if you have some good ones.
* Upload video to YouTube with a good title, description, to call attention.

With the watermark, as said before, you can promote your blog, affiliated sites, pay sites to bring anything, so you can make money (often worth it to promote products free to download as ringtones call or music). The more people see the video, the more likely it is to make money.

Tip:

Your affiliate URL is often very long, so it's hard to remember. You can make it easier to remember using a redirection service such as TinyURL.

Read Terms and Conditions is really important in YouTube, as well as advertising. Always check if a video is copyrighted or anything, review criteria affiliate marketing, you may not allow you to use words like "free", "click here", etc. Keep your eyes open will lead you on your way.

2. Quality content uploaded to YouTube and cooperation:

This is the hardest part that requires massive energy, time and the entrance to the ability to succeed. This method does not work from day to day. With the first method, you can earn money without producing videos of themselves and with advertising in place. Here is the reverse. You produce quality videos and upload them to YouTube. That the promotion of these videos and try to make them as popular as possible. If people like your videos that could continue their daily work and his audience grow. Later, you can join the association of YouTube in which gain several benefits and this is the part where you can earn money:

* After you register for an association, YouTube put the video advertising and, optionally, you can place ads next to your video with the help of Google AdSense. The revenue generated by these ads is split between you and the company. (Of course, it is forbidden to click on these ads, because every click you make money. It's even in the contract to get a reading on it.)
* You can rent your videos. Companies are seeking publicity material every day, and if they find their work on the product and the ad you want to do, you pay money to use the video.

To be in partnership with YouTube that actually have to produce quality content and you have to have several hundred thousand views. Often it is just a stroke of luck you need. There are success stories of the children even made videos with simple cameras later became famous on YouTube. If there are millions of people who see their work, many of them will definitely be interested in the ads next to it.





















































Tuesday, February 8, 2011

buying Free rental agreement forms online


surface encounters

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.

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

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

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 ...


surface encounters

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.

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

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

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 ...


surface encounters

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.

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

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

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 ...


surface encounters

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.

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

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

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 ...


surface encounters

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.

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

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

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 ...


surface encounters

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.

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

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

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 ...


surface encounters

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.

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

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

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 ...


surface encounters

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.

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

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

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 ...


surface encounters

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.

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

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

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 ...


surface encounters

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.

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

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

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 ...


Sunday, February 6, 2011

personal finance










Egypt makes Mitt Romney look good -- at least compared to other Republican presidential hopefuls.



As Egypt's pro-democracy movement showed its first peaceful signs of life, there was former Arkansas governor Mike Huckabee telling a Knesset meeting that the anti-Mubarak protests "could threaten the world." He demonstrated his grasp of the fragility of the moment by joining right-wing Israeli officials and activists at the laying of a cornerstone for new Jewish housing on contested ground in East Jerusalem.



There was former UN ambassador John Bolton likening the "idealistic student demonstrators" to hippies ("We are not on the verge of the dawning of the Age of Aquarius in Egypt if only the demonstrators get their way"), ridiculing those who would "toss away lightly" the upside of standing by our man Mubarak "against the promise, the hope, the aspiration for sweetness and light and democratic government."



It took former Alaska governor Sarah Palin a week to say anything about Egypt, and when she did -- speaking in Reno, Nevada to 2,500 hunters at the annual convention of Safari Club International - her angle was what Egypt meant for Sarah Palin, victim. She said that a recent call by a Washington Post columnist for journalists to ignore her "sounds good, because there's a lot of chaos in Cairo, and I can't wait not to get blamed for it -- at least for a month."



If Rep. Michele Bachmann (R-Minn.) broke her radio silence on the Egyptian crisis during its first three weeks, whatever she said was under Google's radar.



So simply by echoing President Obama's call for a managed transition in Egypt -- the kind of nonpartisan support during international crises that a White House once could count on -- former Massachusetts governor Mitt Romney now leads the pack. In a CNN interview with Piers Morgan, Romney's only misstep was his clumsy attempt to distinguish between calling Mubarak a dictator (which he wouldn't), and calling him a "monarch-like" figure (which he would), which unfortunately recalled his clumsier attempt to tap-dance away from the mandate that everyone buy health insurance that he put at the heart of his own state plan.



Romney's vulnerability on the signature Republican issue -- he's the godfather of Obamacare! -- has his staffers tearing their hair out trying to write a better answer than the one he's giving. Compared to his flip-flops on abortion, "don't ask, don't tell," gun control, campaign finance and immigration, his touting the Massachusetts mandate as "a model for getting everybody insured" is proving way trickier to explain to GOP primary voters.



But there's another issue that could well steal center stage from Romneycare: religion.



On February 24, previews begin on Broadway for The Book of Mormon. A musical by South Park creators Matt Stone and Trey Parker, as well as Robert Lopez, co-writer of Avenue Q, the show is a spinoff of a 2003 episode of South Park called "All About the Mormons?"



Even within the South Park tradition of making savage fun of everything, including other religious denominations, "All About the Mormons?" is particularly brutal. It basically says that you have to be dumb or crazy to believe the foundational story of the Church of Jesus Christ of Latter-day Saints (Joseph Smith translating ancient glyphs on golden plates that an angel led him to), or to believe the sacred story told on those plates (the resurrected Jesus preaching to the Indian descendants of a pre-Columbian civilization whose founders emigrated from Jerusalem to America).



In 2007, Romney gave a speech about religious liberty, religious tolerance and the role that faith would play in his presidency. It hit many of the same notes as John F. Kennedy's 1960 speech about religion, politics and his Catholic faith. In it, Romney refused to "distance myself from my religion, say that it is more a tradition than my personal conviction.... That I will not do." Like President Obama at the National Prayer Breakfast last week, Romney said in his speech that he believes "that Jesus Christ is the Son of God and the Savior of mankind." To go beyond that and discuss LDS doctrine, he said, "would enable the very religious test the founders prohibited in the Constitution."



That speech put the religious issue to bed for the 2008 primary season, and it's likely that he'll cite and recycle it at key moments in his campaign for 2012. But I wonder whether the high-profile skewering of his religion on Broadway will require some new Qs & As in his briefing book. The easy Q is what he thinks of the attack; the A to that is the wisdom of the First Amendment. The hard Q is whether he believes that the story of the golden plates and what was written on them is literally true -- factually accurate history.



Perhaps he can just repeat what he said in 2007 and rule the question constitutionally out of bounds. But Broadway may raise the bar on what his answer needs to accomplish, both for fundamentalists who are looking for someone more electable than Sarah Palin, and for more secular voters who want to know what Romney's made of and might be disappointed by his ducking.



At the end of the "All About the Mormons?" episode, Gary, a Mormon kid whose family moved to South Park, says this:



"Look, maybe us Mormons do believe in crazy stories that make absolutely no sense, and maybe Joseph Smith did make it all up, but I have a great life, and a great family, and I have the Book of Mormon to thank for that. The truth is, I don't care if Joseph Smith made it all up, because what the church teaches now is loving your family, being nice and helping people. And even though people in this town might think that's stupid, I still choose to believe in it."


Mitt Romney doesn't agree with Gary, so that tack isn't an option. Still, just as he desperately needs a better answer to the mandate issue, the pop culture assault on what he holds to be true may require upgrading his answer on the religious issue to version 2.0.



This is my column from The Jewish Journal of Greater Los Angeles. You can read more of my columns here, and e-mail me there if you'd like.







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The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

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, ...

Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.


benchcraft company portland or









Egypt makes Mitt Romney look good -- at least compared to other Republican presidential hopefuls.



As Egypt's pro-democracy movement showed its first peaceful signs of life, there was former Arkansas governor Mike Huckabee telling a Knesset meeting that the anti-Mubarak protests "could threaten the world." He demonstrated his grasp of the fragility of the moment by joining right-wing Israeli officials and activists at the laying of a cornerstone for new Jewish housing on contested ground in East Jerusalem.



There was former UN ambassador John Bolton likening the "idealistic student demonstrators" to hippies ("We are not on the verge of the dawning of the Age of Aquarius in Egypt if only the demonstrators get their way"), ridiculing those who would "toss away lightly" the upside of standing by our man Mubarak "against the promise, the hope, the aspiration for sweetness and light and democratic government."



It took former Alaska governor Sarah Palin a week to say anything about Egypt, and when she did -- speaking in Reno, Nevada to 2,500 hunters at the annual convention of Safari Club International - her angle was what Egypt meant for Sarah Palin, victim. She said that a recent call by a Washington Post columnist for journalists to ignore her "sounds good, because there's a lot of chaos in Cairo, and I can't wait not to get blamed for it -- at least for a month."



If Rep. Michele Bachmann (R-Minn.) broke her radio silence on the Egyptian crisis during its first three weeks, whatever she said was under Google's radar.



So simply by echoing President Obama's call for a managed transition in Egypt -- the kind of nonpartisan support during international crises that a White House once could count on -- former Massachusetts governor Mitt Romney now leads the pack. In a CNN interview with Piers Morgan, Romney's only misstep was his clumsy attempt to distinguish between calling Mubarak a dictator (which he wouldn't), and calling him a "monarch-like" figure (which he would), which unfortunately recalled his clumsier attempt to tap-dance away from the mandate that everyone buy health insurance that he put at the heart of his own state plan.



Romney's vulnerability on the signature Republican issue -- he's the godfather of Obamacare! -- has his staffers tearing their hair out trying to write a better answer than the one he's giving. Compared to his flip-flops on abortion, "don't ask, don't tell," gun control, campaign finance and immigration, his touting the Massachusetts mandate as "a model for getting everybody insured" is proving way trickier to explain to GOP primary voters.



But there's another issue that could well steal center stage from Romneycare: religion.



On February 24, previews begin on Broadway for The Book of Mormon. A musical by South Park creators Matt Stone and Trey Parker, as well as Robert Lopez, co-writer of Avenue Q, the show is a spinoff of a 2003 episode of South Park called "All About the Mormons?"



Even within the South Park tradition of making savage fun of everything, including other religious denominations, "All About the Mormons?" is particularly brutal. It basically says that you have to be dumb or crazy to believe the foundational story of the Church of Jesus Christ of Latter-day Saints (Joseph Smith translating ancient glyphs on golden plates that an angel led him to), or to believe the sacred story told on those plates (the resurrected Jesus preaching to the Indian descendants of a pre-Columbian civilization whose founders emigrated from Jerusalem to America).



In 2007, Romney gave a speech about religious liberty, religious tolerance and the role that faith would play in his presidency. It hit many of the same notes as John F. Kennedy's 1960 speech about religion, politics and his Catholic faith. In it, Romney refused to "distance myself from my religion, say that it is more a tradition than my personal conviction.... That I will not do." Like President Obama at the National Prayer Breakfast last week, Romney said in his speech that he believes "that Jesus Christ is the Son of God and the Savior of mankind." To go beyond that and discuss LDS doctrine, he said, "would enable the very religious test the founders prohibited in the Constitution."



That speech put the religious issue to bed for the 2008 primary season, and it's likely that he'll cite and recycle it at key moments in his campaign for 2012. But I wonder whether the high-profile skewering of his religion on Broadway will require some new Qs & As in his briefing book. The easy Q is what he thinks of the attack; the A to that is the wisdom of the First Amendment. The hard Q is whether he believes that the story of the golden plates and what was written on them is literally true -- factually accurate history.



Perhaps he can just repeat what he said in 2007 and rule the question constitutionally out of bounds. But Broadway may raise the bar on what his answer needs to accomplish, both for fundamentalists who are looking for someone more electable than Sarah Palin, and for more secular voters who want to know what Romney's made of and might be disappointed by his ducking.



At the end of the "All About the Mormons?" episode, Gary, a Mormon kid whose family moved to South Park, says this:



"Look, maybe us Mormons do believe in crazy stories that make absolutely no sense, and maybe Joseph Smith did make it all up, but I have a great life, and a great family, and I have the Book of Mormon to thank for that. The truth is, I don't care if Joseph Smith made it all up, because what the church teaches now is loving your family, being nice and helping people. And even though people in this town might think that's stupid, I still choose to believe in it."


Mitt Romney doesn't agree with Gary, so that tack isn't an option. Still, just as he desperately needs a better answer to the mandate issue, the pop culture assault on what he holds to be true may require upgrading his answer on the religious issue to version 2.0.



This is my column from The Jewish Journal of Greater Los Angeles. You can read more of my columns here, and e-mail me there if you'd like.







benchcraft company portland or

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

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, ...

Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.


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McGraw-Hill Personal Finance Awards Ceremony by ICFJ


benchcraft company portland or

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

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, ...

Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.


benchcraft company portland or









Egypt makes Mitt Romney look good -- at least compared to other Republican presidential hopefuls.



As Egypt's pro-democracy movement showed its first peaceful signs of life, there was former Arkansas governor Mike Huckabee telling a Knesset meeting that the anti-Mubarak protests "could threaten the world." He demonstrated his grasp of the fragility of the moment by joining right-wing Israeli officials and activists at the laying of a cornerstone for new Jewish housing on contested ground in East Jerusalem.



There was former UN ambassador John Bolton likening the "idealistic student demonstrators" to hippies ("We are not on the verge of the dawning of the Age of Aquarius in Egypt if only the demonstrators get their way"), ridiculing those who would "toss away lightly" the upside of standing by our man Mubarak "against the promise, the hope, the aspiration for sweetness and light and democratic government."



It took former Alaska governor Sarah Palin a week to say anything about Egypt, and when she did -- speaking in Reno, Nevada to 2,500 hunters at the annual convention of Safari Club International - her angle was what Egypt meant for Sarah Palin, victim. She said that a recent call by a Washington Post columnist for journalists to ignore her "sounds good, because there's a lot of chaos in Cairo, and I can't wait not to get blamed for it -- at least for a month."



If Rep. Michele Bachmann (R-Minn.) broke her radio silence on the Egyptian crisis during its first three weeks, whatever she said was under Google's radar.



So simply by echoing President Obama's call for a managed transition in Egypt -- the kind of nonpartisan support during international crises that a White House once could count on -- former Massachusetts governor Mitt Romney now leads the pack. In a CNN interview with Piers Morgan, Romney's only misstep was his clumsy attempt to distinguish between calling Mubarak a dictator (which he wouldn't), and calling him a "monarch-like" figure (which he would), which unfortunately recalled his clumsier attempt to tap-dance away from the mandate that everyone buy health insurance that he put at the heart of his own state plan.



Romney's vulnerability on the signature Republican issue -- he's the godfather of Obamacare! -- has his staffers tearing their hair out trying to write a better answer than the one he's giving. Compared to his flip-flops on abortion, "don't ask, don't tell," gun control, campaign finance and immigration, his touting the Massachusetts mandate as "a model for getting everybody insured" is proving way trickier to explain to GOP primary voters.



But there's another issue that could well steal center stage from Romneycare: religion.



On February 24, previews begin on Broadway for The Book of Mormon. A musical by South Park creators Matt Stone and Trey Parker, as well as Robert Lopez, co-writer of Avenue Q, the show is a spinoff of a 2003 episode of South Park called "All About the Mormons?"



Even within the South Park tradition of making savage fun of everything, including other religious denominations, "All About the Mormons?" is particularly brutal. It basically says that you have to be dumb or crazy to believe the foundational story of the Church of Jesus Christ of Latter-day Saints (Joseph Smith translating ancient glyphs on golden plates that an angel led him to), or to believe the sacred story told on those plates (the resurrected Jesus preaching to the Indian descendants of a pre-Columbian civilization whose founders emigrated from Jerusalem to America).



In 2007, Romney gave a speech about religious liberty, religious tolerance and the role that faith would play in his presidency. It hit many of the same notes as John F. Kennedy's 1960 speech about religion, politics and his Catholic faith. In it, Romney refused to "distance myself from my religion, say that it is more a tradition than my personal conviction.... That I will not do." Like President Obama at the National Prayer Breakfast last week, Romney said in his speech that he believes "that Jesus Christ is the Son of God and the Savior of mankind." To go beyond that and discuss LDS doctrine, he said, "would enable the very religious test the founders prohibited in the Constitution."



That speech put the religious issue to bed for the 2008 primary season, and it's likely that he'll cite and recycle it at key moments in his campaign for 2012. But I wonder whether the high-profile skewering of his religion on Broadway will require some new Qs & As in his briefing book. The easy Q is what he thinks of the attack; the A to that is the wisdom of the First Amendment. The hard Q is whether he believes that the story of the golden plates and what was written on them is literally true -- factually accurate history.



Perhaps he can just repeat what he said in 2007 and rule the question constitutionally out of bounds. But Broadway may raise the bar on what his answer needs to accomplish, both for fundamentalists who are looking for someone more electable than Sarah Palin, and for more secular voters who want to know what Romney's made of and might be disappointed by his ducking.



At the end of the "All About the Mormons?" episode, Gary, a Mormon kid whose family moved to South Park, says this:



"Look, maybe us Mormons do believe in crazy stories that make absolutely no sense, and maybe Joseph Smith did make it all up, but I have a great life, and a great family, and I have the Book of Mormon to thank for that. The truth is, I don't care if Joseph Smith made it all up, because what the church teaches now is loving your family, being nice and helping people. And even though people in this town might think that's stupid, I still choose to believe in it."


Mitt Romney doesn't agree with Gary, so that tack isn't an option. Still, just as he desperately needs a better answer to the mandate issue, the pop culture assault on what he holds to be true may require upgrading his answer on the religious issue to version 2.0.



This is my column from The Jewish Journal of Greater Los Angeles. You can read more of my columns here, and e-mail me there if you'd like.







benchcraft company portland or

McGraw-Hill Personal Finance Awards Ceremony by ICFJ


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The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

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, ...

Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.


benchcraft company scam

McGraw-Hill Personal Finance Awards Ceremony by ICFJ


benchcraft company portland or

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

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, ...

Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.


bench craft company reviews

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

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, ...

Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.


bench craft company reviews

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

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, ...

Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.


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benchcraft company portland or

McGraw-Hill Personal Finance Awards Ceremony by ICFJ


benchcraft company scam
benchcraft company scam

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

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, ...

Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.


bench craft company reviews

Before you can begin mastering your personal finances, you need to understand what personal finance is all about. First, it's personal - meaning it's about you and it's unique to your situation. Second, it's about finances - meaning it involves money. Personal finance is more than just paying off debt, picking your investments, and buying your first home. Those things alone will not achieve your goals. Personal finance requires you to define your goals and dreams and then to apply the ideas and behaviors required to reach those goals. It's all about managing your money with an end in mind - achieving your goals.

Identify Your Issues

You probably aren't reading this article just for the fun of it. There is a reason you are seeking personal financial advice. Maybe you never seem to have enough money to make it through the month - or week. Perhaps you just need to figure out how to prepare yourself for those unexpected emergencies. Or you could be just fine, but you'd like to polish your financial plan and accomplish goals you never thought possible. Whatever your reason, it's important to begin by identifying the obstacles that lie ahead. Here are some common financial problems:

Repeated Overspending - We have all experienced the temptation to buy more than we can afford at some time or another, but making a habit of overspending will quickly destroy any financial plan. Debts can easily become too much to handle and prevent you from ever reaching your true financial goals.

Emergencies - Your car breaks down, your paycheck comes late, or you forgot about that insurance bill that only comes twice a year. Financial emergencies can wreak havoc on the best laid plans. By not preparing for these emergencies, you are setting yourself up for future failure.

Procrastination - Who hasn't put something off until the last minute? We're all likely to do this sometime or another, especially with long-term goals that don't seem very urgent. But saving for retirement is a lot easier if you start early - even if you're only saving a little bit.

Emotional Decision-making - Financial decisions require prudent forethought and careful execution. By allowing our emotions to take over, we often make terrible financial mistakes. Those get-rich-quick schemes you see in infomercials late at night may seem like a good idea, but they're just another quick way to kiss your hard-earned money goodbye.

Personality Mismatches - Money & finances are one of the top reasons people get divorced. But how do you manage to create a financial plan when you are a saver but your spouse is a spender? By working together to create a solid basis for your personal finances, you and your spouse can utilize all your strengths to ensure financial success.

The Basics

Personal financial planning draws from aspects of finance, investments, insurance, law, employee benefits, and taxes. But you don't have to be an expert in all of these areas to reach your goals. Three basic rules will help you stay on track in your personal finances:

1. Money, income, and wealth are all different. Your financial situation doesn't depend solely on how much money you make - it really depends on how much money you keep. Personal finance focuses on the accumulation, preservation, and distribution of the money you keep - your wealth.

2. Be on your best behavior. All the nifty financial tricks in the world can't save you if you don't learn to control your spending, begin saving, and change your habits to achieve your goals.

3. It's an ongoing process. Managing your money requires more than creating a financial plan and following it for the next 10 years. It requires a lot more than just making sure you paid all your bills for the month. Personal finance demands that you are fully aware at all times of your responsibilities and actions - otherwise all your effort will be for naught.

Income Is Not as Important as You Might Think

If I told you I make $100,000 a year, you'd think that sounds pretty good, right? But what if I'm spending $150,000 every year? Doesn't sound so great now, huh? Income is important - but only to a certain extent. What's more important is what you do with that income and how much you keep at the end of the month. Your financial success depends much more on how you manage your expenses than the money you make on each paycheck.

Another important factor is your net worth. Your net worth is basically your assets (what you own) minus your liabilities (what you owe). Net worth is the real measure of financial wealth. You might live in a $300,000 home, but it doesn't mean much if you owe $270,000 to the bank for your mortgage. Take a minute and think about your net worth. Do you know what it is? Do you have any idea? Keeping track of this number helps you see where you are, where you came from, and where you are going.

What's Your Financial Type?

You may have heard of the Myers-Briggs Typology. To borrow from that system, think about how you would categorize your financial type. Are you aware or oblivious? Can you easily control your spending, or do you have problems? Are you committed to your financial goals, or do you lack follow-through because you haven't established firm goals yet? Are you an aggressive investor, or do you prefer to safely manage your risk by taking a more prudent route?

The answers to these questions can help you determine the make-up of your financial type. These questions can also help you realize the areas where you and your significant other may differ. Take the time to answer these questions honestly, and you'll soon find yourself on the path to a better understanding of your current financial behavior and what you may need to work on.

Your Habits Will Make You or Break You

The financial habits you adhere to will ultimately determine your success or failure. You can make all the plans in the world, but if you don't stick to them you'll never achieve your goals. Begin thinking about your current financial habits and ask yourself how you started those habits. Ask yourself if those are good habits - in that they will lead you to your goals. If you need to change your habits, what should you do instead and how will you make the change? Start today by thinking of a simple change you can make. Stick to that one little change for two weeks or four weeks and you'll soon find you can begin to make bigger changes. Eventually you will have all of your habits aligned with your goals, and you will be on the path to achieving your dreams.

Stay tuned for the rest of this Personal Finance series. We will cover net worth, financial math, budgeting, reducing debt, understanding credit, investing, insurance, taxes, education planning, retirement planning, estate planning, and other important topics along the way. In the meantime, you may visit Free Financial Plannerto get answers to your specific and unique financial questions.


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The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

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, ...

Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.


big seminar 14

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

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, ...

Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.


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