Monday, November 29, 2010

People Making Money Online


During last week’s very impressive Celebration of Entrepreneurship the scene was so loaded with CEOs, CTOs, CIO, and what ever C you can think of, it was hard to decide who to ask for what.


But in all the ruckus of C-level executives and entrepreneurs, then VCs and Angel Investors you notice a small army of young and energetic guys more online than off who were lighting up two giant screens with tweets, blog posts and Facebook page updates that was forming an informative and inspiring part of the event.


That same team was responsible for getting lazy old tech bloggers like myself, and every other ranter with a blog that matters onto the event floor. They go by the name: The Online Project.


I had been checking these guys out for over a year but never got the chance to have a sit down with any of their people till last Tuesday which was when I got to meet Nina Mufleh, a leader in The Online Project and a charmer I was lucky enough to steal for 15 minutes to let her tell you an amazing story about Marketing, Social Media and Italian clothing.


TNW: Many ask, what is it you guys do?

In a nutshell The Online Project does Social Networking Solutions for companies, what that means is we set stragtegies for how companies are going to interact with their clients using Social Media. We put the long term vision then implement the strategy.


TNW: What is your position in TheOnlineProject?

I’m one of the co-founders and Director of Operations.


TNW: How long have you guys been working?

We launched June 1st 2009. We are part of a larger umbrella company called Modern Media that include 5 companies in totoal.


TNW: How large is your team?

We’re about 20 people, while some are shared resources among Modern Media companies.


TNW: Do you actually help clients make money using Social Media? Give us an example if possible.

We help them increase ROI through Social Media. It’s different from client to client, but our proudest example is a fashion brand called Veramoda which is an international brand which is very accessible to young hip Middle Easterners which is also where they operate.


They have a lot of competitors which are getting the attention of the young consumers in the region and are one of the early companies interested in getting into this field.


So we started off with them about 8-9 months ago starting with a basic Facebook Page and building a community around their brand making sure they connect to their consumers, solve problems, build their social image so users can know more about their products, clothes lines they are producing.


And we did something for them, which is as far as we know, the first user generated catalog. We identified 25 of the most passionate Veramoda customers. So what we did is, we created a regional FB fan page, but it got international fans it has grown to around 80,000 fans.


So we chose the most active fans, 25 female fans from Jordan and we asked them to come in for a couple of days learn a bit more about Veramoda and live for a while at the offices.


Then we took them to the Veramoda stores, so from 12-1 fan1 would come and pick her favorite outfit and style a model and we took pictures.


So then we uploaded the pictures up to the FB fanpage and we gave each one of the 25 girls a link to the pictures they chose and told them why don’t you give them to your friends and family to see what you’ve done. And then we empowered them with the tools to spread them.


So we immediately noticed an increase in fans on the page, we had 20,000-30,000 fans come in within 2 weeks. But that’s not the best part, the best part is the fact the day after this offline event, we had a 27% increase in Vermoda sales. A week later saw a 40% increase in sales.


And so now we’re planning on implementing it for other clients, because some say the first time is luck, the second is science, and we’re all about getting it right.


I hope this is as informative for you as it was for me, and a good case study on how Social Media has a proven track of relevance and effectiveness in a region where skepticism is the only main stream sentiment you can count on. Till now that is.






Online video is well and truly, having the best time of its life right now. It seems to be factoring in every marketing plan worth its salt, with some incredible videos being produced by brands that are lighting up social media. I wanted to explore the state of the online video industry a bit further and delve into the stats that show the huge growth curve online video is currently on. Right now it is one of the most fascinating aspects of online, as brands continue to push the boundaries of what’s possible and engaging the audience in completely new ways. It is a seriously big business and one that every brand wants to be a part of. And it’s easy to see why..


Over 35 hours of video uploaded to YouTube every minute


This stat on its own is pretty stunning and quite hard to get your head around. But when you look at in in the context of the past 3 years, or even 6 months, you realise just how impressive this is. The graph below from Youtube shows the average hours of video uploaded every minute, back to June 2007. While this started at 6 hours, in the past 6 months it stood at 23. That’s a huge increase of 12 hours per minute in just 6 months :



That is some seriously impressive growth and also shows that just as much as brand video is growing, ugc is growing at a staggering rate, due largely to the growth in mobile and ease of uploading. As Youtube note themselves there are other factors, such as upping the time limit in videos, which would obviously attribute for an increase in the total length of video uploads. But this is impressive nonetheless.


Blinkx shares up by 400%


At the business end of video, Blinkx are showing that online video is starting to become a profitable industry. While Google still won’t reveal whether Youtube is making them money or not, Blinkx have recently announced their first ever turn in profit in the 6 months up to September. And it comes 3 years after they first launched. Blinkx make money through running ads alongside the videos they index, acting as a huge video search tool. They have certainly had a good year, as the 400% share increase shows. It’s also encouraging to see that online video isn’t just about Youtube and there are some other serious players in the market with unique offerings.


Online video ads reach half of U.S. users


While some research shows that advertisers are cautious over online video advertising, due to factors such as standardisation of ad formats, online video advertising is going from strength to strength. A recent study from ComScore (the people who measure things), found that just over 45.4% of users in America viewed at least one video ad over a month. But more impressively, were exposed to 32.2 videos each, on average. That’s over 4.3 million video ads that were served to the online U.S. population in September 2010. This shows the power of online video ads to get right in front of your target audience. And while there are some definite rights and wrongs in the content of the video ad, I think we’ll see this grow even more and prove itself as a valuable industry up there with TV.


Comedian makes $315,000 from online video


A recent study found that comedians top the bill for online video earnings, and one in particular is doing very well. A recent study found that comedian Shane Dawson, who amassed 431.7 million online video views in the past year made $315,000 from his content, through ad revenue. He came out top for independent earners on Youtube and it’s certainly an aspirational case study that shows the business of online video isn’t just for big brands.


Kia spend a third of budget on online video



In a bold move, Kia Motors have invested a third of their £2 million marketing budget for the new Sportage model, into online video. We’ve seen the motor industry embracing social media more and more – with Ford launching a model through Facebook – and this shows the commitment that some brands are making to online video. Not so much an add-on or a nice to have, but a central facet of a multi-million pound campaign. The online campaign will focus on the central characters from the TV adverts and include home-page takeovers and video ads. Cases like this help to solidify online video as a serious marketing avenue that can bring a campaign to life and help you get that extra bang for your buck.


20% of downstream internet traffic is to Netflix


In a huge coup for Netflix, a recent study found that 20% of peak time donwstream internet traffic was streaming video from their site. This is great news for Netflix, and perhaps not so great news for the DVD market. If Netflix were available in Ireland I would be there in an instant and would choose to view all films in this way, as it simply doesn’t make sense to invest in a DVD anymore and I expect that even the gift market for this may eventually die out. 20% is a huge figure and shows how much Netflix has staked its claim in this market.


2 billion videos viewed each month Facebook


In June 2010 Facebook released some interesting stats into their online video offering, which show the huge potential it has to own this market. They revealed that as well as 2 billion video views on its site each month, there were 415,000 online video uploads each day. While it may not be a contender to Youtube just yet, the sharing capabilities within Facebook and the ease of connecting with your community show the potential for this to grow. Interestingly, Youtube now offer the option of connecting with Facebook instead of logging in with your gmail account. This shows Youtube recognises the power to use the huge community on Facebook, something it can’t compete with, to combine with its own wealth of online video.


Live stream video viewing up by 650%


In their most recent report into online video, Comscore announced that the amount of live-streamed video we’re watching has grown by 648% over the past year. This is absolutely phenomenal growth and compares to a (still impressive)  68% increase in video views on Youtube. While it may still form a minor part of the online video  market, live streaming is growing in popularity and use, as we become more accustomed to this form of content, both as consumers and producers. UStream are owning the market here, but Facebook are quickly getting in on the game – recently introducing LiveStream integration with Facebook pages. This has the potential to hugely increase the live stream video market and see it really reach the mainstream.







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Saturday, November 27, 2010

about internet marketing










From jokes about Brett Favre to South Park stealing lines, we're in a crisis of originality thanks to easy searching on the internet, writes Ben Greenman. Whatever happened to getting credit for an idea?


Recently, Brett Favre met with NFL Commissioner Roger Gooddell to discuss whether or not he took pictures of his penis and texted them to Jenn Sterger, a former New York Jets game hostess. Favre, an egomaniac, became the subject of yet another round of mockery as a result of this scandal. Saturday Night Live ran a skit about Wrangler, the jeans company for whom Favre serves as a spokesman, marketing pants that let the offending organ hang loose. Concerns were raised about the skit, not on the basis of taste, but because it was relevantly similar to a Modern Humorist sketch that had run a week earlier.





SNL ran a skit about Wrangler, for whom Favre is a spokesman, marketing pants that let the offending organ hang loose. South Park creators apologized for a show that stole jokes from a College Humor feature. (Photo: Nam Y. Huh / AP Photo; Comedy Central)


This has happened to plenty of people, in one way or another. Almost 10 years ago, I published a musical about the Elian Gonzalez controversy on McSweeneys. Less than a week later, Saturday Night Live ran a similar parody. The similarities were indisputable, but as I told a reporter at the time, that’s no proof of plagiarism, even of the subconscious variety (paging Robin Williams). The same is true of the SNL/Modern Humorist case. Sometimes similar ideas spring up in two places at once, or in two places in different times without any connection between them. And even when there are connections, what of it? Take Rod Stewart’s “Do Ya Think I’m Sexy,” the huge disco hit from 1978. Now listen to Bobby Womack’s “Put Something Down on It,” from 1975. Sounds like a straightforward case of thievery, doesn’t it? But now listen to Jorge Ben’s “Taj Mahal,” from 1972. There are enough points of contact to raise more than eyebrows, but that doesn’t affect the quality (good or bad) of any of the work. Everything comes from somewhere. Most seeds are hybrids. The human brain, while complex, is not infinite, and all creativity is a mix of innovation and imitation.


Thanks to places like Google, the Internet is now the equivalent of an instant patent search that allows you to search for recurrences of phrases, puns, neologisms.


With that said, though, there’s a problem, and it isn’t about Saturday Night Live or Brett Favre’s naked bootleg. It’s about the Internet, and how quickly it lets us track cases of alleged borrowing and appropriation. When Juan Williams was fired by NPR last month for what the radio network considered intemperate remarks regarding Muslims, the Internet erupted. That’s what it does. People accused Williams of racism at the same time that other people accused NPR of overreaction and knee-jerk political correctness. I didn’t want to weigh in until I had seen the actual interview—which now, thanks to that same Internet, is efficiently archived. Williams said that he’s nervous when he sees people in “Muslim garb.” I understood his point, at some level. He was saying that his perception of Muslims was permanently changed by the 9/11 attacks.


But there was a flaw in his reasoning. Leaving aside that Williams seemed to have a monolithic, almost cartoonish idea of “Muslim garb,” it occurred to me that Islamic terrorists are the least likely to dress traditionally. Their strategy, were they to try to board a plane with a weapon, would be to dress as inconspicuously as possible. I was thinking about it, so I sent something out via Twitter.


About 10 minutes later, I got an email from someone I didn’t know. It accused me of stealing the insight. I don’t know why he didn’t just tweet back or even send me a direct message. Twitter has all those features built into it, for maximum annoyance. But he chose to email.


He told me that other people online had already thought of that argument, and had even said so online. One of them, he said, was Jeffrey Goldberg, who used to work at The New Yorker, where I work: The implication, I guess, was that I had somehow shadowed Jeff, taken his idea, and then claimed it as my own.


This is idiotic in many ways. First of all, it’s not true. I didn’t see anything that Jeff wrote, and while I agree with him on this point, it’s only because he agrees with me. Second of all, how have we reached the point where the standard for a thought is chronological primacy? There are, of course, still cases where ideas move from one brain to another by way without authorization. Last week, the creators of South Park apologized for a show that satirized the Christopher Nolan film Inception after it became clear that they had pilfered a few of the jokes from a College Humor feature. South Park co-creator Matt Stone told Dave Itzkoff of The New York Times that they had run across the piece online and assumed that College Humor was using dialogue from the actual film: “It’s just because we do the show in six days, and we’re stupid and we just threw it together. But in the end, there are some lines that we had to call and apologize for.” The South Park case demonstrates how easy it is to accidentally run across an idea online, and claim it as your own, even without malicious intent. There’s no question that the Internet, which distributes an unprecedented amount of content to an unprecedented number of destinations, enables theft of intellectual property. But if the Internet can enable theft, it can also detect it. If your original content—your ideas, your jokes—gets redistributed without proper credit, it’s easier than ever to track down the culprits. Thanks to places like Google, the Internet is now the equivalent of an instant patent search that allows you to search for recurrences of phrases, puns, neologisms. Here, though, is the root of a larger issue: The cure is far worse than the disease. The Internet’s search capabilities, which permit easy detection of unoriginality, also have a chilling effect on originality.


An example: There’s a guy in my neighborhood who dresses exactly like Bruce Springsteen, circa 1975. He has the jeans. He has the cap. He has the beard. After seeing him a handful of times on the street, I nicknamed him “Born to Rerun.” It made me laugh, for a second. It was a pointless little joke, no more than that. Out of curiosity, I searched for the phrase, which I thought I had invented—or rather, which I had invented, at least for my purposes. I discovered, predictably, that the phrase has been used before, frequently: in 2003 by Entertainment Weekly, last year by a fan posting a review of “Darkness on the Edge of Town,” and on and on. I’d like to report that I don’t care about those earlier occurrences, that I brushed them off and moved on, but the fact is that I do care. It’s deflating to learn that your original idea, no matter how trivial, has already made an appearance. Before the Internet, I might have kept that pointless little joke alive in my head. It might have ripened into something or it might have died on the vine. But it would have been my tomato. Now, the process works differently. The incontrovertible proof that the phrase was already circulating made it difficult, if not impossible, for me to claim it as my own. It acquired the feel of something shoddy and second-hand, and I jettisoned it.


This is an exceedingly trivial case. I readily, happily, heartily admit that. But originality can be an extremely serious issue (the last few weeks have seen claims of appropriation or plagiarism against the poet Raymond McDaniel and the fiction writer Jonathan Safran Foer) so maybe it’s easier to illuminate it without the interference of significance. The first spark of an idea—whether a short story, a song lyric, a newspaper headline, a movie title, or a joke about an oddly dressed neighbor—is tenuous at best, and conditions need to be perfect not to douse it before it can kindle something more substantive. If the Internet moves us toward a get-there-first-or-not-at-all world (that phrase, by the way, seems all new, at least according to Google), then hundreds of thousands of newly born “proto-ideas” (1180 results) will end before they have a chance to “flower into genuine articles of faith” (9 results). And that means fewer “moronic skits” (151 results) about “Brett Favre’s organ” (4 results).


Ben Greenman is an editor at The New Yorker and the author of several acclaimed books of fiction, including Superbad, Please Step Back, and the new What He's Poised to Do. He lives in Brooklyn.


Like The Daily Beast on Facebook and follow us on Twitter for updates all day long.


For inquiries, please contact The Daily Beast at editorial@thedailybeast.com.








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Minecraft dev explains sales transparency PC <b>News</b> - Page 1 <b>...</b>

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Nokia's Beta Labs today released a new experimental application called Situations, and it portends a future where context awareness drives the mobile experience, and points to a time when our handsets will do the thinking on our behalf, ...

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From jokes about Brett Favre to South Park stealing lines, we're in a crisis of originality thanks to easy searching on the internet, writes Ben Greenman. Whatever happened to getting credit for an idea?


Recently, Brett Favre met with NFL Commissioner Roger Gooddell to discuss whether or not he took pictures of his penis and texted them to Jenn Sterger, a former New York Jets game hostess. Favre, an egomaniac, became the subject of yet another round of mockery as a result of this scandal. Saturday Night Live ran a skit about Wrangler, the jeans company for whom Favre serves as a spokesman, marketing pants that let the offending organ hang loose. Concerns were raised about the skit, not on the basis of taste, but because it was relevantly similar to a Modern Humorist sketch that had run a week earlier.





SNL ran a skit about Wrangler, for whom Favre is a spokesman, marketing pants that let the offending organ hang loose. South Park creators apologized for a show that stole jokes from a College Humor feature. (Photo: Nam Y. Huh / AP Photo; Comedy Central)


This has happened to plenty of people, in one way or another. Almost 10 years ago, I published a musical about the Elian Gonzalez controversy on McSweeneys. Less than a week later, Saturday Night Live ran a similar parody. The similarities were indisputable, but as I told a reporter at the time, that’s no proof of plagiarism, even of the subconscious variety (paging Robin Williams). The same is true of the SNL/Modern Humorist case. Sometimes similar ideas spring up in two places at once, or in two places in different times without any connection between them. And even when there are connections, what of it? Take Rod Stewart’s “Do Ya Think I’m Sexy,” the huge disco hit from 1978. Now listen to Bobby Womack’s “Put Something Down on It,” from 1975. Sounds like a straightforward case of thievery, doesn’t it? But now listen to Jorge Ben’s “Taj Mahal,” from 1972. There are enough points of contact to raise more than eyebrows, but that doesn’t affect the quality (good or bad) of any of the work. Everything comes from somewhere. Most seeds are hybrids. The human brain, while complex, is not infinite, and all creativity is a mix of innovation and imitation.


Thanks to places like Google, the Internet is now the equivalent of an instant patent search that allows you to search for recurrences of phrases, puns, neologisms.


With that said, though, there’s a problem, and it isn’t about Saturday Night Live or Brett Favre’s naked bootleg. It’s about the Internet, and how quickly it lets us track cases of alleged borrowing and appropriation. When Juan Williams was fired by NPR last month for what the radio network considered intemperate remarks regarding Muslims, the Internet erupted. That’s what it does. People accused Williams of racism at the same time that other people accused NPR of overreaction and knee-jerk political correctness. I didn’t want to weigh in until I had seen the actual interview—which now, thanks to that same Internet, is efficiently archived. Williams said that he’s nervous when he sees people in “Muslim garb.” I understood his point, at some level. He was saying that his perception of Muslims was permanently changed by the 9/11 attacks.


But there was a flaw in his reasoning. Leaving aside that Williams seemed to have a monolithic, almost cartoonish idea of “Muslim garb,” it occurred to me that Islamic terrorists are the least likely to dress traditionally. Their strategy, were they to try to board a plane with a weapon, would be to dress as inconspicuously as possible. I was thinking about it, so I sent something out via Twitter.


About 10 minutes later, I got an email from someone I didn’t know. It accused me of stealing the insight. I don’t know why he didn’t just tweet back or even send me a direct message. Twitter has all those features built into it, for maximum annoyance. But he chose to email.


He told me that other people online had already thought of that argument, and had even said so online. One of them, he said, was Jeffrey Goldberg, who used to work at The New Yorker, where I work: The implication, I guess, was that I had somehow shadowed Jeff, taken his idea, and then claimed it as my own.


This is idiotic in many ways. First of all, it’s not true. I didn’t see anything that Jeff wrote, and while I agree with him on this point, it’s only because he agrees with me. Second of all, how have we reached the point where the standard for a thought is chronological primacy? There are, of course, still cases where ideas move from one brain to another by way without authorization. Last week, the creators of South Park apologized for a show that satirized the Christopher Nolan film Inception after it became clear that they had pilfered a few of the jokes from a College Humor feature. South Park co-creator Matt Stone told Dave Itzkoff of The New York Times that they had run across the piece online and assumed that College Humor was using dialogue from the actual film: “It’s just because we do the show in six days, and we’re stupid and we just threw it together. But in the end, there are some lines that we had to call and apologize for.” The South Park case demonstrates how easy it is to accidentally run across an idea online, and claim it as your own, even without malicious intent. There’s no question that the Internet, which distributes an unprecedented amount of content to an unprecedented number of destinations, enables theft of intellectual property. But if the Internet can enable theft, it can also detect it. If your original content—your ideas, your jokes—gets redistributed without proper credit, it’s easier than ever to track down the culprits. Thanks to places like Google, the Internet is now the equivalent of an instant patent search that allows you to search for recurrences of phrases, puns, neologisms. Here, though, is the root of a larger issue: The cure is far worse than the disease. The Internet’s search capabilities, which permit easy detection of unoriginality, also have a chilling effect on originality.


An example: There’s a guy in my neighborhood who dresses exactly like Bruce Springsteen, circa 1975. He has the jeans. He has the cap. He has the beard. After seeing him a handful of times on the street, I nicknamed him “Born to Rerun.” It made me laugh, for a second. It was a pointless little joke, no more than that. Out of curiosity, I searched for the phrase, which I thought I had invented—or rather, which I had invented, at least for my purposes. I discovered, predictably, that the phrase has been used before, frequently: in 2003 by Entertainment Weekly, last year by a fan posting a review of “Darkness on the Edge of Town,” and on and on. I’d like to report that I don’t care about those earlier occurrences, that I brushed them off and moved on, but the fact is that I do care. It’s deflating to learn that your original idea, no matter how trivial, has already made an appearance. Before the Internet, I might have kept that pointless little joke alive in my head. It might have ripened into something or it might have died on the vine. But it would have been my tomato. Now, the process works differently. The incontrovertible proof that the phrase was already circulating made it difficult, if not impossible, for me to claim it as my own. It acquired the feel of something shoddy and second-hand, and I jettisoned it.


This is an exceedingly trivial case. I readily, happily, heartily admit that. But originality can be an extremely serious issue (the last few weeks have seen claims of appropriation or plagiarism against the poet Raymond McDaniel and the fiction writer Jonathan Safran Foer) so maybe it’s easier to illuminate it without the interference of significance. The first spark of an idea—whether a short story, a song lyric, a newspaper headline, a movie title, or a joke about an oddly dressed neighbor—is tenuous at best, and conditions need to be perfect not to douse it before it can kindle something more substantive. If the Internet moves us toward a get-there-first-or-not-at-all world (that phrase, by the way, seems all new, at least according to Google), then hundreds of thousands of newly born “proto-ideas” (1180 results) will end before they have a chance to “flower into genuine articles of faith” (9 results). And that means fewer “moronic skits” (151 results) about “Brett Favre’s organ” (4 results).


Ben Greenman is an editor at The New Yorker and the author of several acclaimed books of fiction, including Superbad, Please Step Back, and the new What He's Poised to Do. He lives in Brooklyn.


Like The Daily Beast on Facebook and follow us on Twitter for updates all day long.


For inquiries, please contact The Daily Beast at editorial@thedailybeast.com.








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Minecraft dev explains sales transparency PC <b>News</b> - Page 1 <b>...</b>

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Can Mobile Phones Think?: Tech <b>News</b> «

Nokia's Beta Labs today released a new experimental application called Situations, and it portends a future where context awareness drives the mobile experience, and points to a time when our handsets will do the thinking on our behalf, ...

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bench craft company scam

Minecraft dev explains sales transparency PC <b>News</b> - Page 1 <b>...</b>

Read our PC news of Minecraft dev explains sales transparency.

Can Mobile Phones Think?: Tech <b>News</b> «

Nokia's Beta Labs today released a new experimental application called Situations, and it portends a future where context awareness drives the mobile experience, and points to a time when our handsets will do the thinking on our behalf, ...

Miller returns to net tonight - Sabres Edge - Blogs - The Buffalo <b>News</b>

The Buffalo News updated every day with news from Buffalo, New York. Links to national and business news, entertainment listings, recipes, sports teams, classified ads, death notices.


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Friday, November 19, 2010

Making Easy Money

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EA launching Facebook golf game PC <b>News</b> - Page 1 | Eurogamer.net

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Small Business <b>News</b>: SMB Blogging and Social Media Basics

Far from a fad, a new blogging and social media infrastructure has emerged and is still being built and becoming a part of the new hierarchy can be important to.


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EA launching Facebook golf game PC <b>News</b> - Page 1 | Eurogamer.net

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GT5 installs while played - Sony PlayStation 3 <b>News</b> - Page 1 <b>...</b>

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Small Business <b>News</b>: SMB Blogging and Social Media Basics

Far from a fad, a new blogging and social media infrastructure has emerged and is still being built and becoming a part of the new hierarchy can be important to.


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EA launching Facebook golf game PC <b>News</b> - Page 1 | Eurogamer.net

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GT5 installs while played - Sony PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of GT5 installs while played - Sony.

Small Business <b>News</b>: SMB Blogging and Social Media Basics

Far from a fad, a new blogging and social media infrastructure has emerged and is still being built and becoming a part of the new hierarchy can be important to.


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EA launching Facebook golf game PC <b>News</b> - Page 1 | Eurogamer.net

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GT5 installs while played - Sony PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of GT5 installs while played - Sony.

Small Business <b>News</b>: SMB Blogging and Social Media Basics

Far from a fad, a new blogging and social media infrastructure has emerged and is still being built and becoming a part of the new hierarchy can be important to.


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EA launching Facebook golf game PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of EA launching Facebook golf game.

GT5 installs while played - Sony PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of GT5 installs while played - Sony.

Small Business <b>News</b>: SMB Blogging and Social Media Basics

Far from a fad, a new blogging and social media infrastructure has emerged and is still being built and becoming a part of the new hierarchy can be important to.


bench craft company rip off

Blastoff Bike by BLASTOFF NETWORK


bench craft company rip off
bench craft company rip off

EA launching Facebook golf game PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of EA launching Facebook golf game.

GT5 installs while played - Sony PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of GT5 installs while played - Sony.

Small Business <b>News</b>: SMB Blogging and Social Media Basics

Far from a fad, a new blogging and social media infrastructure has emerged and is still being built and becoming a part of the new hierarchy can be important to.


bench craft company rip off

bench craft company rip off

EA launching Facebook golf game PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of EA launching Facebook golf game.

GT5 installs while played - Sony PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of GT5 installs while played - Sony.

Small Business <b>News</b>: SMB Blogging and Social Media Basics

Far from a fad, a new blogging and social media infrastructure has emerged and is still being built and becoming a part of the new hierarchy can be important to.


bench craft company rip off

EA launching Facebook golf game PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of EA launching Facebook golf game.

GT5 installs while played - Sony PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of GT5 installs while played - Sony.

Small Business <b>News</b>: SMB Blogging and Social Media Basics

Far from a fad, a new blogging and social media infrastructure has emerged and is still being built and becoming a part of the new hierarchy can be important to.


bench craft company rip off

Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.

Small Business <b>News</b>: SMB Blogging and Social Media Basics

Far from a fad, a new blogging and social media infrastructure has emerged and is still being built and becoming a part of the new hierarchy can be important to.

Photos Implant &#39;Memories&#39; of Fictional <b>News</b> Events | Smart <b>...</b>

Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.


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Photos Implant &#39;Memories&#39; of Fictional <b>News</b> Events | Smart <b>...</b>

Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.

Good <b>news</b>: James Bond and Indiana Jones hooking up to fight aliens <b>...</b>

Good news: James Bond and Indiana Jones hooking up to fight aliens.

Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...


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Fox <b>News</b> Commentators Caught On Camera Mocking Sarah Palin&#39;s Show <b>...</b>

WASHINGTON -- The Fox News channel has been something of a safe haven for Sarah Palin, the type of outlet that provided the former Alaska Governor not only with a friendly audience but similarly kind questions.

GT5 installs while played - Sony PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of GT5 installs while played - Sony.

EA launching Facebook golf game PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of EA launching Facebook golf game.


bench craft company rip off

Thursday, November 18, 2010

Making Money Working

eric seiger

HOW, AS A WOMAN, CAN YOU WORK IN SPAIN AND MAKE MONEY? | Work in Spain by grahunt


eric seiger

<b>News</b> Corp&#39;s Two Newspaper Tablet Projects are Back on Track

After stories that Rupert Murdoch had binned his adventurous newspaper app project, his son James has said Project Alesia is going ahead, whether other newspapers want their content aggregated or not.

Brad Friedman and Desi Doyen: Green <b>News</b> Report: November 18, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): Tea Party: Smart development is really a global conspiracy; EPA: Major US cities violate lead standards; UN, World Bank say act now on climate change or pay much more later; Illinois Spending $2M ...

Sen. Rockefeller: FCC should shut down Fox <b>News</b> and MSNBC « Hot Air

You see, Rockefeller says he hungers for quality news and believes that the FCC should play a part in facilitating that end. He believes that without the extremes of Fox News and MSNBC, the American people would have more faith in their ...


eric seiger

HOW, AS A WOMAN, CAN YOU WORK IN SPAIN AND MAKE MONEY? | Work in Spain by grahunt


eric seiger

<b>News</b> Corp&#39;s Two Newspaper Tablet Projects are Back on Track

After stories that Rupert Murdoch had binned his adventurous newspaper app project, his son James has said Project Alesia is going ahead, whether other newspapers want their content aggregated or not.

Brad Friedman and Desi Doyen: Green <b>News</b> Report: November 18, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): Tea Party: Smart development is really a global conspiracy; EPA: Major US cities violate lead standards; UN, World Bank say act now on climate change or pay much more later; Illinois Spending $2M ...

Sen. Rockefeller: FCC should shut down Fox <b>News</b> and MSNBC « Hot Air

You see, Rockefeller says he hungers for quality news and believes that the FCC should play a part in facilitating that end. He believes that without the extremes of Fox News and MSNBC, the American people would have more faith in their ...


eric seiger

<b>News</b> Corp&#39;s Two Newspaper Tablet Projects are Back on Track

After stories that Rupert Murdoch had binned his adventurous newspaper app project, his son James has said Project Alesia is going ahead, whether other newspapers want their content aggregated or not.

Brad Friedman and Desi Doyen: Green <b>News</b> Report: November 18, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): Tea Party: Smart development is really a global conspiracy; EPA: Major US cities violate lead standards; UN, World Bank say act now on climate change or pay much more later; Illinois Spending $2M ...

Sen. Rockefeller: FCC should shut down Fox <b>News</b> and MSNBC « Hot Air

You see, Rockefeller says he hungers for quality news and believes that the FCC should play a part in facilitating that end. He believes that without the extremes of Fox News and MSNBC, the American people would have more faith in their ...


eric seiger

<b>News</b> Corp&#39;s Two Newspaper Tablet Projects are Back on Track

After stories that Rupert Murdoch had binned his adventurous newspaper app project, his son James has said Project Alesia is going ahead, whether other newspapers want their content aggregated or not.

Brad Friedman and Desi Doyen: Green <b>News</b> Report: November 18, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): Tea Party: Smart development is really a global conspiracy; EPA: Major US cities violate lead standards; UN, World Bank say act now on climate change or pay much more later; Illinois Spending $2M ...

Sen. Rockefeller: FCC should shut down Fox <b>News</b> and MSNBC « Hot Air

You see, Rockefeller says he hungers for quality news and believes that the FCC should play a part in facilitating that end. He believes that without the extremes of Fox News and MSNBC, the American people would have more faith in their ...


eric seiger
eric seiger

HOW, AS A WOMAN, CAN YOU WORK IN SPAIN AND MAKE MONEY? | Work in Spain by grahunt


eric seiger
eric seiger

<b>News</b> Corp&#39;s Two Newspaper Tablet Projects are Back on Track

After stories that Rupert Murdoch had binned his adventurous newspaper app project, his son James has said Project Alesia is going ahead, whether other newspapers want their content aggregated or not.

Brad Friedman and Desi Doyen: Green <b>News</b> Report: November 18, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): Tea Party: Smart development is really a global conspiracy; EPA: Major US cities violate lead standards; UN, World Bank say act now on climate change or pay much more later; Illinois Spending $2M ...

Sen. Rockefeller: FCC should shut down Fox <b>News</b> and MSNBC « Hot Air

You see, Rockefeller says he hungers for quality news and believes that the FCC should play a part in facilitating that end. He believes that without the extremes of Fox News and MSNBC, the American people would have more faith in their ...


Wednesday, November 17, 2010

tracking personal finances

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

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How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

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Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

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Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

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A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

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To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

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Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema


Consumers bewildered by a rash of resetting rates on loans and various outstanding credit lines now have the same tools banks have to aggregate all their debt in one place, after free online personal finance tool Credit Sesame launched a beta version today to help users get a complete financial snapshot all in one place.


Previously only available to banks or brokers, Credit Sesame uses an in-house loan analytics engine to help users instantly view their credit and debt in one place, while monitoring and tracking often baffling financial information like their credit score, home value and debt-to-income ratio simultaneously.


The news that they can now take their finances fully into their own hands is part of a continuing trend of consumers sick of commercial banks pushing their own complementary loan products on them — or who may just be sick of their bank or broker all together.


Under the company’s system, users are first asked to register their portfolios using the same security technology and encryption methods as banks and financial institutions use, and then Credit Sesame automatically retrieves users’ relevant data like debt, credit, and mortgages so that they don’t have to enter their information manually.


They can then fiddle with Credit Sesame’s tools to set personal goal parameters; see and apply for a wide variety of loans that may fit their restructuring needs; and even create a “what if” scenario that allows them to view multiple scenarios for potential savings or loans based on changes to a user’s financial situation such as a divorce or a job loss.


By using complex algorithms and portfolio “depth” testing, the new beta site will now create 5,000 scenarios with thousands of lending products to help each user find the three best pre-qualified solutions—saving an average user hundreds of dollars a month as they streamline their finances via the web ecosphere.


“We find homeowners as much as $600 a month in savings through restructuring, refinancing and new pre-qualified low-interest loan offers,” said Adrian Nazari, CEO and founder of Credit Sesame. “That’s $7,200 of yearly savings. If that money was put toward debt repayment, imagine how much faster that loan would be paid off and how much money would be saved. The opportunities are out there.”


Since launching to private testers in September, Credit Sesame currently manages $250 million in loans and has generated more than $18 million in lifetime savings for its users.


Once registered, the site will continue delivering a free monthly credit score and instant alerts when more optimal savings opportunities become available.


Next Story: Hulu Plus officially launches at $7.99 a month, now on Roku boxes Previous Story: The many definitions of a VC’s no – Part Two




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Pharmaceutical <b>News</b> Roundup: Human Genome&#39;s Lupus Drug, Merck&#39;s <b>...</b>

Here's a roundup of some of Wednesday's major pharmaceutical news: An FDA panel gave Human Genome Sciences a boost with a thumbs-up for its lupus drug, Benlysta; Merck's experimental heart drug appears to work well without side effects; ...

Good <b>news</b>: Feds to ban caffeinated alcoholic drinks for some <b>...</b>

Good news: Feds to ban caffeinated alcoholic drinks for some reason.

Small Business <b>News</b>: Entrepreneurs and The Economy

Entrepreneurs and small businesses are important to economic recovery. This we hear on the news regularly. But it is also important that entrepreneurial efforts.



2010_01_02_to_06_0056 by Vikram Chadaga


Pharmaceutical <b>News</b> Roundup: Human Genome&#39;s Lupus Drug, Merck&#39;s <b>...</b>

Here's a roundup of some of Wednesday's major pharmaceutical news: An FDA panel gave Human Genome Sciences a boost with a thumbs-up for its lupus drug, Benlysta; Merck's experimental heart drug appears to work well without side effects; ...

Good <b>news</b>: Feds to ban caffeinated alcoholic drinks for some <b>...</b>

Good news: Feds to ban caffeinated alcoholic drinks for some reason.

Small Business <b>News</b>: Entrepreneurs and The Economy

Entrepreneurs and small businesses are important to economic recovery. This we hear on the news regularly. But it is also important that entrepreneurial efforts.


alpine payment systems scam

Pharmaceutical <b>News</b> Roundup: Human Genome&#39;s Lupus Drug, Merck&#39;s <b>...</b>

Here's a roundup of some of Wednesday's major pharmaceutical news: An FDA panel gave Human Genome Sciences a boost with a thumbs-up for its lupus drug, Benlysta; Merck's experimental heart drug appears to work well without side effects; ...

Good <b>news</b>: Feds to ban caffeinated alcoholic drinks for some <b>...</b>

Good news: Feds to ban caffeinated alcoholic drinks for some reason.

Small Business <b>News</b>: Entrepreneurs and The Economy

Entrepreneurs and small businesses are important to economic recovery. This we hear on the news regularly. But it is also important that entrepreneurial efforts.


Making Money With Options

A chill’s setting in and everyone (in the U.S., at least) is putting away their Halloween pumpkins and skimming over their Turkey recipes. While the seasons are quickly changing, we’ve brought together another round of social media tools and resources from the past week or so.

Check out class='blippr-nobr'>Social Mediaclass="blippr-nobr">social media for tips on how to gain Twitterclass="blippr-nobr">Twitter influence, or a glimpse at the future of Foursquareclass="blippr-nobr">Foursquare. Tech & Mobile includes a thorough discussion of online privacy, A/B testing resources for developers, and website designs that blew us away. Business comes packed with tips for using Facebookclass="blippr-nobr">Facebook’s new groups, marketing to an international audience, and startup funding tips from eight investors.

Looking for even more social media resources? This guide appears every weekend, and you can check out all the lists-gone-by here any time.

Social Media

  • Top 10 Twitter Trends This Week /> Wondering what was hot in the Twitterverse this past week? Check out our comprehensive chart of the top trends.
  • 10 Fun Doodling Apps to Unleash Your Creativity/> The pen and paper may be on a fast track to obsolescence, but the doodle will live on forever. These 10 sites are some of our favorites.
  • The Future of Social Media and Politics/> With the midterm elections in their final throes, we spoke to some key players for their views on what the rise of mainstream social media has in store for the next generation of political campaigns.
  • HOW TO: Gain Twitter Influence/> Twitter Influencers Guy Kawasaki and Robert Scoble share their tips for earning Twitter cred.
  • 4 People Who Let the Crowd Control Their Destiny/> We’ve taken a look at four instances of crowd sourcing one’s life — all of which launched around the same time, but include their own set of hardships and rewards.
  • A Glimpse at the Future of Foursquare/> CEO and co-founder Dennis Crowley discussed the future of Foursquare Wednesday, touching on customized recommendations, the instant checkin, and brand discovery.
  • HOW TO: Organize a Mashable Meetup/> Many of our readers have been taking the reins in getting to know each other by organizing Mashable Meetups. Here’s how to get started setting up your own.
  • 5 Must-Follow Non-Profits Making a Difference With Social Media [Mashable Awards]/> From raising money to spreading awareness to connecting with people, social media is a boon for non-profit organizations. Here are five must-follow groups that stood out in 2010.
  • Social Media Weddings: 4 Tips From the Pros/> Social media can help you research vendors, communicate with guests and share your big day with your friends and family. Here’s how.
  • An Inside “Look” at Showtime’s New Voyeuristic Series/> Based on director Adam Rifkin’s 2007 film of the same name, “Look” was shot via security cameras and integrates social media.

For more social media news and resources, you can follow class='blippr-nobr'>Mashable’sclass="blippr-nobr">Mashable social media channel on Twitter and become a fan on Facebook.

Tech & Mobile

  • 10 Essential Websites for iPhone Photographers/> We’ve bookmarked 10 brilliant online resources that offer great galleries, talent showcases, app reviews, exhibition news and more, all for the iPhone photography enthusiast.
  • 5 Website Designs That Blew Us Away [Mashable Awards]/> A beautiful website can blow you away: Here are a few of the websites we think showcased excellent design work this year, both in terms of form and function.
  • 5 Stylish iPhone Alarm Clock Apps to Wake You Up On Time/> We’ve tried and tested five great alarm clock apps for the iPhone that can’t make getting out of bed any easier, but at least you can customize your morning.
  • “Def Jam Rapstar” Raises the Roof Just Short of Greatness /> The game’s creators can go on and brush their shoulders off because the limited options won’t hold those living room MCs back from personal stardom.
  • The Social Future of Xbox Live and “Halo” /> We spoke with “Halo” Franchise Development Director Frank O’Connor to learn more about Bungie and Microsoft’s strategy for promoting social gaming with “Halo: Reach.”
  • 9 iPhone Apps for Managing the Recruiting Process/> Instead of creating new processes or downloading a bunch of new apps, here are some iPhone apps you might already have that can help you manage the recruiting process.
  • 5 Media Format Flops Destined To Be Forgotten /> For every VHS, there’s a BetaMax. As consumer electronics companies do battle, the tech landscape is littered with losers. Check out the interesting stories behind 5 famous flops.
  • Hands-on With Logitech’s Wireless Solar Keyboard /> The K750 won’t change your life. It won’t even even help you type faster. It will, however, allow you to buy a few less batteries.
  • 10 Intermediate and Advanced Tips from PHP Masters/> We asked class='blippr-nobr'>PHPclass="blippr-nobr">PHP experts about their top suggestions for developers on their way to becoming true masters of the art and science of PHP.
  • Online Behavior Tracking and Privacy: 7 Worst Case Scenarios/> If advertisers continue to self-regulate online tracking or if the government steps in, what’s the worst that could happen? We spoke to experts on both sides of the issue to find out what’s at stake.
  • Two Ways Developers Will Interact With Google TV Viewers/> class='blippr-nobr'>Connectedclass="blippr-nobr">Connected devices like the Google TV promise to bring the web to your living room in one of two ways: optimized websites and native applications.
  • 12 Tech Toys for a Geeked-Out Wedding/> A wedding is no time to hide your inner geek. These 12 gadgets will spice up any lo-fi nuptial celebration.
  • 7 A/B Testing Resources for Startups and Solo Developers/> If you need a simple, inexpensive way to figure out what’s going to make your website’s users click on that big, red button, check out these tools.
  • HOW TO: Start Your Own Internet Talk Show/> Do you fancy yourself a budding talk show personality? With a few inexpensive tools and a bit of planning, you can launch your own web show. Here’s how to do it.
  • Why Location Apps of the Future Will Do Much More Than Checkins/> class='blippr-nobr'>Sparkleclass="blippr-nobr">Sparkle is a new location platform launching today from Location Labs.
  • 5 MP3 Players for Pumping Up Your Workouts/> Whether you’re looking for a new MP3 player or an alternative to taking your expensive phone into the danger zone, we’ve got five options that are ideal for sporty types.
  • The Evolution of Mobile /> We’ve certainly come a long way.

For more tech news and resources, you can follow Mashable’s tech channel on Twitter and become a fan on Facebook.

Business

  • HOW TO: Score a Job Through Facebook/> While Facebook is known as a casual network of friends, with 500 million users, it has the potential to be one of the largest job hunting resources available – if used correctly.
  • How Online Private Sales Work and How Businesses Can Get Involved/> A look at the ins and outs of online private sales and how businesses can benefit from getting involved.
  • 4 Things Small Businesses Should Know About Facebook’s New Groups/> Can Facebook’s new Groups feature be used for business? Here’s a rundown of what you should include in your Facebook biz strategy.
  • 5 Tips for Marketing Online to an International Audience/> Expanding your marketing efforts to an international audience widens your brand’s reach, but it entails understanding regional cultures, laws and online behaviors.
  • Drupal Founder on Why Open Source is Good for Business /> Fresh off of an $8.5 million round of funding, Acquia and class='blippr-nobr'>Drupalclass="blippr-nobr">Drupal founder Dries Buytaert spoke with Mashable about the role of commercial interests in the success of open source software.
  • What to Consider When Building an In-House Social Media Team/> We talked to professionals who have built a social media team – from big global businesses to small companies – in order to pin down some best practices.
  • Essential Startup Funding Tips From 8 Seasoned Investors/> Mashable reached out to angels, seed stage investors and VC firm partners and asked them to share their best advice on how to get your big idea in front of the right people.
  • 5 Tips for Improving Your Social Customer Service/> Companies that provide support through public channels keep customers happy and gain a reputation as consumer-focused businesses. Check out these tips for streamlining your social support model.
  • 5 Proven Strategies for B2B Social Media Marketing/> B2B marketers can use social media to generate leads, create specialized communities, improve SEO, become knowledge sources, and strengthen marketing campaigns.
  • HOW TO: Calculate the ROI of Your Social Media Campaign/> If you’re not measuring your social media campaigns on an ROI basis, you’re setting yourself up for failure. Here are some tips to get you on a results-driven path.
  • 10 Reasons Every TV Exec Needs to Start Tweeting/> Twitter offers a lot for TV execs looking for a real-time understanding of what fans want. Here’s why everyone in the TV biz should start tweeting.

For more business news and resources, you can follow Mashable’s business channel on Twitter and become a fan on Facebook.

[Image courtesy of Webtreats]

For more Social Media coverage:

    class="f-el">class="cov-twit">Follow Mashable Social Mediaclass="s-el">class="cov-rss">Subscribe to the Social Media channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

Don't count on these state AG's too soon. Remember we just had an election where the
banksters GOP sponsers pulled off massive victories. In Florida, the judges are now the robo-
signers for the banks.


It is no coincidence that the 'major target' of the banks and their sponsors is Fannie & Freddie.
What has been going on is a "real-estate laundering" scheme. People are familiar with money
laundering, which accounts for much of the billions in drug cartel money being funneled into
the legitimate banking industry, but in  real-estate laundering Fannie & Freddie act as the
middle-man and hold the morgages while the banks are 'capitalized' at 100% of the declared
value. That is why the idea of 'put-backs' are shaking the financial markets.


The 'bundled' mortgage securities now have to be unbundled and adjudicated, which was not
part of the original plan. The banks 'knew' that those mortgage securities were phoney and that's why they rushed to get the "occupiers" out of their homes. For the most part those mortgages, which where 'fraudulently' written under acceptable lending guidelines
, constituted ARM's and those with 'interest-only' or balloon payments. Those properties were mostly foreclosed on at the beginning of the meltdown, where both lender and purchaser were agreed that the mortgage payments were unsustainable. In late 2007 and 2008 most of 'those' properties were resolved in favor of the lender, leaving the properties mostly unoccupied, yet remained on the books at full value. The problem is that these 'non-performing' assets were 'bundled' with properties that were marginal or performing adequately. Since they were part of the 'bundle' residing "on the books" of Fannie & Freddie, ownership had to be re-established and 're-securitized'. Complicated certifications were never envisioned for the return of these "assets" to the bank ledgers. The "occupiers", whatever their position, needed to relinquish their position so that ownership of the entire bundle could be established. In fact, many 'performing' mortgages were also foreclosed by unscrupulous fees and penalties, which were designed to discourage the "occupiers" from remaining in the property.


For all his words and futile attempts to save these 'marginal mortgages' with government remedies, President Obama 'knew' that any real attempt to save these homeowners would further destabilize the banks. An outcome that would have totally reversed any progress towards stability obtained by the TARP. Therefor, the President of the United States agreed to allow the banks to proceed with foreclosure of these marginal properties rather than expose the banks. Acceptable casualties in the war to save the American economy.


If you believe none of what I have explained above, and consider that you know better, consider this one calculation;
WHAT WOULD HAVE BEEN THE RESULT OF ANY OF THIS WITHOUT "BANKRUPTCY REFORM"?(I don't believe in conspiracy theories either!)



bench craft company scam

Activision closes Guitar Hero dev <b>News</b> - Page 1 | Eurogamer.net

Read our news of Activision closes Guitar Hero dev.

Bullpen <b>News</b>: Benoit, Choate, and Friedman - DRaysBay

The more news that comes out like this, the more likely it is that he won't be a Ray next season. I am surprised that Randy Choate is garnering such strong interest, but he was one of the more effective, proven left-handed relievers on ...

Energy Drinks Linked to Alcohol Problems - Health <b>News</b> - Health.com

College students who consume nonalcoholic energy drinks such as Red Bull at least once a week are more than twice as likely as their peers to show signs of alcohol dependence, according to a new study.


benchcraft company scam

A chill’s setting in and everyone (in the U.S., at least) is putting away their Halloween pumpkins and skimming over their Turkey recipes. While the seasons are quickly changing, we’ve brought together another round of social media tools and resources from the past week or so.

Check out class='blippr-nobr'>Social Mediaclass="blippr-nobr">social media for tips on how to gain Twitterclass="blippr-nobr">Twitter influence, or a glimpse at the future of Foursquareclass="blippr-nobr">Foursquare. Tech & Mobile includes a thorough discussion of online privacy, A/B testing resources for developers, and website designs that blew us away. Business comes packed with tips for using Facebookclass="blippr-nobr">Facebook’s new groups, marketing to an international audience, and startup funding tips from eight investors.

Looking for even more social media resources? This guide appears every weekend, and you can check out all the lists-gone-by here any time.

Social Media

  • Top 10 Twitter Trends This Week /> Wondering what was hot in the Twitterverse this past week? Check out our comprehensive chart of the top trends.
  • 10 Fun Doodling Apps to Unleash Your Creativity/> The pen and paper may be on a fast track to obsolescence, but the doodle will live on forever. These 10 sites are some of our favorites.
  • The Future of Social Media and Politics/> With the midterm elections in their final throes, we spoke to some key players for their views on what the rise of mainstream social media has in store for the next generation of political campaigns.
  • HOW TO: Gain Twitter Influence/> Twitter Influencers Guy Kawasaki and Robert Scoble share their tips for earning Twitter cred.
  • 4 People Who Let the Crowd Control Their Destiny/> We’ve taken a look at four instances of crowd sourcing one’s life — all of which launched around the same time, but include their own set of hardships and rewards.
  • A Glimpse at the Future of Foursquare/> CEO and co-founder Dennis Crowley discussed the future of Foursquare Wednesday, touching on customized recommendations, the instant checkin, and brand discovery.
  • HOW TO: Organize a Mashable Meetup/> Many of our readers have been taking the reins in getting to know each other by organizing Mashable Meetups. Here’s how to get started setting up your own.
  • 5 Must-Follow Non-Profits Making a Difference With Social Media [Mashable Awards]/> From raising money to spreading awareness to connecting with people, social media is a boon for non-profit organizations. Here are five must-follow groups that stood out in 2010.
  • Social Media Weddings: 4 Tips From the Pros/> Social media can help you research vendors, communicate with guests and share your big day with your friends and family. Here’s how.
  • An Inside “Look” at Showtime’s New Voyeuristic Series/> Based on director Adam Rifkin’s 2007 film of the same name, “Look” was shot via security cameras and integrates social media.

For more social media news and resources, you can follow class='blippr-nobr'>Mashable’sclass="blippr-nobr">Mashable social media channel on Twitter and become a fan on Facebook.

Tech & Mobile

  • 10 Essential Websites for iPhone Photographers/> We’ve bookmarked 10 brilliant online resources that offer great galleries, talent showcases, app reviews, exhibition news and more, all for the iPhone photography enthusiast.
  • 5 Website Designs That Blew Us Away [Mashable Awards]/> A beautiful website can blow you away: Here are a few of the websites we think showcased excellent design work this year, both in terms of form and function.
  • 5 Stylish iPhone Alarm Clock Apps to Wake You Up On Time/> We’ve tried and tested five great alarm clock apps for the iPhone that can’t make getting out of bed any easier, but at least you can customize your morning.
  • “Def Jam Rapstar” Raises the Roof Just Short of Greatness /> The game’s creators can go on and brush their shoulders off because the limited options won’t hold those living room MCs back from personal stardom.
  • The Social Future of Xbox Live and “Halo” /> We spoke with “Halo” Franchise Development Director Frank O’Connor to learn more about Bungie and Microsoft’s strategy for promoting social gaming with “Halo: Reach.”
  • 9 iPhone Apps for Managing the Recruiting Process/> Instead of creating new processes or downloading a bunch of new apps, here are some iPhone apps you might already have that can help you manage the recruiting process.
  • 5 Media Format Flops Destined To Be Forgotten /> For every VHS, there’s a BetaMax. As consumer electronics companies do battle, the tech landscape is littered with losers. Check out the interesting stories behind 5 famous flops.
  • Hands-on With Logitech’s Wireless Solar Keyboard /> The K750 won’t change your life. It won’t even even help you type faster. It will, however, allow you to buy a few less batteries.
  • 10 Intermediate and Advanced Tips from PHP Masters/> We asked class='blippr-nobr'>PHPclass="blippr-nobr">PHP experts about their top suggestions for developers on their way to becoming true masters of the art and science of PHP.
  • Online Behavior Tracking and Privacy: 7 Worst Case Scenarios/> If advertisers continue to self-regulate online tracking or if the government steps in, what’s the worst that could happen? We spoke to experts on both sides of the issue to find out what’s at stake.
  • Two Ways Developers Will Interact With Google TV Viewers/> class='blippr-nobr'>Connectedclass="blippr-nobr">Connected devices like the Google TV promise to bring the web to your living room in one of two ways: optimized websites and native applications.
  • 12 Tech Toys for a Geeked-Out Wedding/> A wedding is no time to hide your inner geek. These 12 gadgets will spice up any lo-fi nuptial celebration.
  • 7 A/B Testing Resources for Startups and Solo Developers/> If you need a simple, inexpensive way to figure out what’s going to make your website’s users click on that big, red button, check out these tools.
  • HOW TO: Start Your Own Internet Talk Show/> Do you fancy yourself a budding talk show personality? With a few inexpensive tools and a bit of planning, you can launch your own web show. Here’s how to do it.
  • Why Location Apps of the Future Will Do Much More Than Checkins/> class='blippr-nobr'>Sparkleclass="blippr-nobr">Sparkle is a new location platform launching today from Location Labs.
  • 5 MP3 Players for Pumping Up Your Workouts/> Whether you’re looking for a new MP3 player or an alternative to taking your expensive phone into the danger zone, we’ve got five options that are ideal for sporty types.
  • The Evolution of Mobile /> We’ve certainly come a long way.

For more tech news and resources, you can follow Mashable’s tech channel on Twitter and become a fan on Facebook.

Business

  • HOW TO: Score a Job Through Facebook/> While Facebook is known as a casual network of friends, with 500 million users, it has the potential to be one of the largest job hunting resources available – if used correctly.
  • How Online Private Sales Work and How Businesses Can Get Involved/> A look at the ins and outs of online private sales and how businesses can benefit from getting involved.
  • 4 Things Small Businesses Should Know About Facebook’s New Groups/> Can Facebook’s new Groups feature be used for business? Here’s a rundown of what you should include in your Facebook biz strategy.
  • 5 Tips for Marketing Online to an International Audience/> Expanding your marketing efforts to an international audience widens your brand’s reach, but it entails understanding regional cultures, laws and online behaviors.
  • Drupal Founder on Why Open Source is Good for Business /> Fresh off of an $8.5 million round of funding, Acquia and class='blippr-nobr'>Drupalclass="blippr-nobr">Drupal founder Dries Buytaert spoke with Mashable about the role of commercial interests in the success of open source software.
  • What to Consider When Building an In-House Social Media Team/> We talked to professionals who have built a social media team – from big global businesses to small companies – in order to pin down some best practices.
  • Essential Startup Funding Tips From 8 Seasoned Investors/> Mashable reached out to angels, seed stage investors and VC firm partners and asked them to share their best advice on how to get your big idea in front of the right people.
  • 5 Tips for Improving Your Social Customer Service/> Companies that provide support through public channels keep customers happy and gain a reputation as consumer-focused businesses. Check out these tips for streamlining your social support model.
  • 5 Proven Strategies for B2B Social Media Marketing/> B2B marketers can use social media to generate leads, create specialized communities, improve SEO, become knowledge sources, and strengthen marketing campaigns.
  • HOW TO: Calculate the ROI of Your Social Media Campaign/> If you’re not measuring your social media campaigns on an ROI basis, you’re setting yourself up for failure. Here are some tips to get you on a results-driven path.
  • 10 Reasons Every TV Exec Needs to Start Tweeting/> Twitter offers a lot for TV execs looking for a real-time understanding of what fans want. Here’s why everyone in the TV biz should start tweeting.

For more business news and resources, you can follow Mashable’s business channel on Twitter and become a fan on Facebook.

[Image courtesy of Webtreats]

For more Social Media coverage:

    class="f-el">class="cov-twit">Follow Mashable Social Mediaclass="s-el">class="cov-rss">Subscribe to the Social Media channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

Don't count on these state AG's too soon. Remember we just had an election where the
banksters GOP sponsers pulled off massive victories. In Florida, the judges are now the robo-
signers for the banks.


It is no coincidence that the 'major target' of the banks and their sponsors is Fannie & Freddie.
What has been going on is a "real-estate laundering" scheme. People are familiar with money
laundering, which accounts for much of the billions in drug cartel money being funneled into
the legitimate banking industry, but in  real-estate laundering Fannie & Freddie act as the
middle-man and hold the morgages while the banks are 'capitalized' at 100% of the declared
value. That is why the idea of 'put-backs' are shaking the financial markets.


The 'bundled' mortgage securities now have to be unbundled and adjudicated, which was not
part of the original plan. The banks 'knew' that those mortgage securities were phoney and that's why they rushed to get the "occupiers" out of their homes. For the most part those mortgages, which where 'fraudulently' written under acceptable lending guidelines
, constituted ARM's and those with 'interest-only' or balloon payments. Those properties were mostly foreclosed on at the beginning of the meltdown, where both lender and purchaser were agreed that the mortgage payments were unsustainable. In late 2007 and 2008 most of 'those' properties were resolved in favor of the lender, leaving the properties mostly unoccupied, yet remained on the books at full value. The problem is that these 'non-performing' assets were 'bundled' with properties that were marginal or performing adequately. Since they were part of the 'bundle' residing "on the books" of Fannie & Freddie, ownership had to be re-established and 're-securitized'. Complicated certifications were never envisioned for the return of these "assets" to the bank ledgers. The "occupiers", whatever their position, needed to relinquish their position so that ownership of the entire bundle could be established. In fact, many 'performing' mortgages were also foreclosed by unscrupulous fees and penalties, which were designed to discourage the "occupiers" from remaining in the property.


For all his words and futile attempts to save these 'marginal mortgages' with government remedies, President Obama 'knew' that any real attempt to save these homeowners would further destabilize the banks. An outcome that would have totally reversed any progress towards stability obtained by the TARP. Therefor, the President of the United States agreed to allow the banks to proceed with foreclosure of these marginal properties rather than expose the banks. Acceptable casualties in the war to save the American economy.


If you believe none of what I have explained above, and consider that you know better, consider this one calculation;
WHAT WOULD HAVE BEEN THE RESULT OF ANY OF THIS WITHOUT "BANKRUPTCY REFORM"?(I don't believe in conspiracy theories either!)



bench craft company scam

Activision closes Guitar Hero dev <b>News</b> - Page 1 | Eurogamer.net

Read our news of Activision closes Guitar Hero dev.

Bullpen <b>News</b>: Benoit, Choate, and Friedman - DRaysBay

The more news that comes out like this, the more likely it is that he won't be a Ray next season. I am surprised that Randy Choate is garnering such strong interest, but he was one of the more effective, proven left-handed relievers on ...

Energy Drinks Linked to Alcohol Problems - Health <b>News</b> - Health.com

College students who consume nonalcoholic energy drinks such as Red Bull at least once a week are more than twice as likely as their peers to show signs of alcohol dependence, according to a new study.


bench craft company scam

benchcraft company scam

application by Redwan2009


benchcraft company scam

Activision closes Guitar Hero dev <b>News</b> - Page 1 | Eurogamer.net

Read our news of Activision closes Guitar Hero dev.

Bullpen <b>News</b>: Benoit, Choate, and Friedman - DRaysBay

The more news that comes out like this, the more likely it is that he won't be a Ray next season. I am surprised that Randy Choate is garnering such strong interest, but he was one of the more effective, proven left-handed relievers on ...

Energy Drinks Linked to Alcohol Problems - Health <b>News</b> - Health.com

College students who consume nonalcoholic energy drinks such as Red Bull at least once a week are more than twice as likely as their peers to show signs of alcohol dependence, according to a new study.


benchcraft company scam

A chill’s setting in and everyone (in the U.S., at least) is putting away their Halloween pumpkins and skimming over their Turkey recipes. While the seasons are quickly changing, we’ve brought together another round of social media tools and resources from the past week or so.

Check out class='blippr-nobr'>Social Mediaclass="blippr-nobr">social media for tips on how to gain Twitterclass="blippr-nobr">Twitter influence, or a glimpse at the future of Foursquareclass="blippr-nobr">Foursquare. Tech & Mobile includes a thorough discussion of online privacy, A/B testing resources for developers, and website designs that blew us away. Business comes packed with tips for using Facebookclass="blippr-nobr">Facebook’s new groups, marketing to an international audience, and startup funding tips from eight investors.

Looking for even more social media resources? This guide appears every weekend, and you can check out all the lists-gone-by here any time.

Social Media

  • Top 10 Twitter Trends This Week /> Wondering what was hot in the Twitterverse this past week? Check out our comprehensive chart of the top trends.
  • 10 Fun Doodling Apps to Unleash Your Creativity/> The pen and paper may be on a fast track to obsolescence, but the doodle will live on forever. These 10 sites are some of our favorites.
  • The Future of Social Media and Politics/> With the midterm elections in their final throes, we spoke to some key players for their views on what the rise of mainstream social media has in store for the next generation of political campaigns.
  • HOW TO: Gain Twitter Influence/> Twitter Influencers Guy Kawasaki and Robert Scoble share their tips for earning Twitter cred.
  • 4 People Who Let the Crowd Control Their Destiny/> We’ve taken a look at four instances of crowd sourcing one’s life — all of which launched around the same time, but include their own set of hardships and rewards.
  • A Glimpse at the Future of Foursquare/> CEO and co-founder Dennis Crowley discussed the future of Foursquare Wednesday, touching on customized recommendations, the instant checkin, and brand discovery.
  • HOW TO: Organize a Mashable Meetup/> Many of our readers have been taking the reins in getting to know each other by organizing Mashable Meetups. Here’s how to get started setting up your own.
  • 5 Must-Follow Non-Profits Making a Difference With Social Media [Mashable Awards]/> From raising money to spreading awareness to connecting with people, social media is a boon for non-profit organizations. Here are five must-follow groups that stood out in 2010.
  • Social Media Weddings: 4 Tips From the Pros/> Social media can help you research vendors, communicate with guests and share your big day with your friends and family. Here’s how.
  • An Inside “Look” at Showtime’s New Voyeuristic Series/> Based on director Adam Rifkin’s 2007 film of the same name, “Look” was shot via security cameras and integrates social media.

For more social media news and resources, you can follow class='blippr-nobr'>Mashable’sclass="blippr-nobr">Mashable social media channel on Twitter and become a fan on Facebook.

Tech & Mobile

  • 10 Essential Websites for iPhone Photographers/> We’ve bookmarked 10 brilliant online resources that offer great galleries, talent showcases, app reviews, exhibition news and more, all for the iPhone photography enthusiast.
  • 5 Website Designs That Blew Us Away [Mashable Awards]/> A beautiful website can blow you away: Here are a few of the websites we think showcased excellent design work this year, both in terms of form and function.
  • 5 Stylish iPhone Alarm Clock Apps to Wake You Up On Time/> We’ve tried and tested five great alarm clock apps for the iPhone that can’t make getting out of bed any easier, but at least you can customize your morning.
  • “Def Jam Rapstar” Raises the Roof Just Short of Greatness /> The game’s creators can go on and brush their shoulders off because the limited options won’t hold those living room MCs back from personal stardom.
  • The Social Future of Xbox Live and “Halo” /> We spoke with “Halo” Franchise Development Director Frank O’Connor to learn more about Bungie and Microsoft’s strategy for promoting social gaming with “Halo: Reach.”
  • 9 iPhone Apps for Managing the Recruiting Process/> Instead of creating new processes or downloading a bunch of new apps, here are some iPhone apps you might already have that can help you manage the recruiting process.
  • 5 Media Format Flops Destined To Be Forgotten /> For every VHS, there’s a BetaMax. As consumer electronics companies do battle, the tech landscape is littered with losers. Check out the interesting stories behind 5 famous flops.
  • Hands-on With Logitech’s Wireless Solar Keyboard /> The K750 won’t change your life. It won’t even even help you type faster. It will, however, allow you to buy a few less batteries.
  • 10 Intermediate and Advanced Tips from PHP Masters/> We asked class='blippr-nobr'>PHPclass="blippr-nobr">PHP experts about their top suggestions for developers on their way to becoming true masters of the art and science of PHP.
  • Online Behavior Tracking and Privacy: 7 Worst Case Scenarios/> If advertisers continue to self-regulate online tracking or if the government steps in, what’s the worst that could happen? We spoke to experts on both sides of the issue to find out what’s at stake.
  • Two Ways Developers Will Interact With Google TV Viewers/> class='blippr-nobr'>Connectedclass="blippr-nobr">Connected devices like the Google TV promise to bring the web to your living room in one of two ways: optimized websites and native applications.
  • 12 Tech Toys for a Geeked-Out Wedding/> A wedding is no time to hide your inner geek. These 12 gadgets will spice up any lo-fi nuptial celebration.
  • 7 A/B Testing Resources for Startups and Solo Developers/> If you need a simple, inexpensive way to figure out what’s going to make your website’s users click on that big, red button, check out these tools.
  • HOW TO: Start Your Own Internet Talk Show/> Do you fancy yourself a budding talk show personality? With a few inexpensive tools and a bit of planning, you can launch your own web show. Here’s how to do it.
  • Why Location Apps of the Future Will Do Much More Than Checkins/> class='blippr-nobr'>Sparkleclass="blippr-nobr">Sparkle is a new location platform launching today from Location Labs.
  • 5 MP3 Players for Pumping Up Your Workouts/> Whether you’re looking for a new MP3 player or an alternative to taking your expensive phone into the danger zone, we’ve got five options that are ideal for sporty types.
  • The Evolution of Mobile /> We’ve certainly come a long way.

For more tech news and resources, you can follow Mashable’s tech channel on Twitter and become a fan on Facebook.

Business

  • HOW TO: Score a Job Through Facebook/> While Facebook is known as a casual network of friends, with 500 million users, it has the potential to be one of the largest job hunting resources available – if used correctly.
  • How Online Private Sales Work and How Businesses Can Get Involved/> A look at the ins and outs of online private sales and how businesses can benefit from getting involved.
  • 4 Things Small Businesses Should Know About Facebook’s New Groups/> Can Facebook’s new Groups feature be used for business? Here’s a rundown of what you should include in your Facebook biz strategy.
  • 5 Tips for Marketing Online to an International Audience/> Expanding your marketing efforts to an international audience widens your brand’s reach, but it entails understanding regional cultures, laws and online behaviors.
  • Drupal Founder on Why Open Source is Good for Business /> Fresh off of an $8.5 million round of funding, Acquia and class='blippr-nobr'>Drupalclass="blippr-nobr">Drupal founder Dries Buytaert spoke with Mashable about the role of commercial interests in the success of open source software.
  • What to Consider When Building an In-House Social Media Team/> We talked to professionals who have built a social media team – from big global businesses to small companies – in order to pin down some best practices.
  • Essential Startup Funding Tips From 8 Seasoned Investors/> Mashable reached out to angels, seed stage investors and VC firm partners and asked them to share their best advice on how to get your big idea in front of the right people.
  • 5 Tips for Improving Your Social Customer Service/> Companies that provide support through public channels keep customers happy and gain a reputation as consumer-focused businesses. Check out these tips for streamlining your social support model.
  • 5 Proven Strategies for B2B Social Media Marketing/> B2B marketers can use social media to generate leads, create specialized communities, improve SEO, become knowledge sources, and strengthen marketing campaigns.
  • HOW TO: Calculate the ROI of Your Social Media Campaign/> If you’re not measuring your social media campaigns on an ROI basis, you’re setting yourself up for failure. Here are some tips to get you on a results-driven path.
  • 10 Reasons Every TV Exec Needs to Start Tweeting/> Twitter offers a lot for TV execs looking for a real-time understanding of what fans want. Here’s why everyone in the TV biz should start tweeting.

For more business news and resources, you can follow Mashable’s business channel on Twitter and become a fan on Facebook.

[Image courtesy of Webtreats]

For more Social Media coverage:

    class="f-el">class="cov-twit">Follow Mashable Social Mediaclass="s-el">class="cov-rss">Subscribe to the Social Media channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

Don't count on these state AG's too soon. Remember we just had an election where the
banksters GOP sponsers pulled off massive victories. In Florida, the judges are now the robo-
signers for the banks.


It is no coincidence that the 'major target' of the banks and their sponsors is Fannie & Freddie.
What has been going on is a "real-estate laundering" scheme. People are familiar with money
laundering, which accounts for much of the billions in drug cartel money being funneled into
the legitimate banking industry, but in  real-estate laundering Fannie & Freddie act as the
middle-man and hold the morgages while the banks are 'capitalized' at 100% of the declared
value. That is why the idea of 'put-backs' are shaking the financial markets.


The 'bundled' mortgage securities now have to be unbundled and adjudicated, which was not
part of the original plan. The banks 'knew' that those mortgage securities were phoney and that's why they rushed to get the "occupiers" out of their homes. For the most part those mortgages, which where 'fraudulently' written under acceptable lending guidelines
, constituted ARM's and those with 'interest-only' or balloon payments. Those properties were mostly foreclosed on at the beginning of the meltdown, where both lender and purchaser were agreed that the mortgage payments were unsustainable. In late 2007 and 2008 most of 'those' properties were resolved in favor of the lender, leaving the properties mostly unoccupied, yet remained on the books at full value. The problem is that these 'non-performing' assets were 'bundled' with properties that were marginal or performing adequately. Since they were part of the 'bundle' residing "on the books" of Fannie & Freddie, ownership had to be re-established and 're-securitized'. Complicated certifications were never envisioned for the return of these "assets" to the bank ledgers. The "occupiers", whatever their position, needed to relinquish their position so that ownership of the entire bundle could be established. In fact, many 'performing' mortgages were also foreclosed by unscrupulous fees and penalties, which were designed to discourage the "occupiers" from remaining in the property.


For all his words and futile attempts to save these 'marginal mortgages' with government remedies, President Obama 'knew' that any real attempt to save these homeowners would further destabilize the banks. An outcome that would have totally reversed any progress towards stability obtained by the TARP. Therefor, the President of the United States agreed to allow the banks to proceed with foreclosure of these marginal properties rather than expose the banks. Acceptable casualties in the war to save the American economy.


If you believe none of what I have explained above, and consider that you know better, consider this one calculation;
WHAT WOULD HAVE BEEN THE RESULT OF ANY OF THIS WITHOUT "BANKRUPTCY REFORM"?(I don't believe in conspiracy theories either!)



bench craft company scam

application by Redwan2009


bench craft company scam

Activision closes Guitar Hero dev <b>News</b> - Page 1 | Eurogamer.net

Read our news of Activision closes Guitar Hero dev.

Bullpen <b>News</b>: Benoit, Choate, and Friedman - DRaysBay

The more news that comes out like this, the more likely it is that he won't be a Ray next season. I am surprised that Randy Choate is garnering such strong interest, but he was one of the more effective, proven left-handed relievers on ...

Energy Drinks Linked to Alcohol Problems - Health <b>News</b> - Health.com

College students who consume nonalcoholic energy drinks such as Red Bull at least once a week are more than twice as likely as their peers to show signs of alcohol dependence, according to a new study.


benchcraft company scam

application by Redwan2009


bench craft company scam

Activision closes Guitar Hero dev <b>News</b> - Page 1 | Eurogamer.net

Read our news of Activision closes Guitar Hero dev.

Bullpen <b>News</b>: Benoit, Choate, and Friedman - DRaysBay

The more news that comes out like this, the more likely it is that he won't be a Ray next season. I am surprised that Randy Choate is garnering such strong interest, but he was one of the more effective, proven left-handed relievers on ...

Energy Drinks Linked to Alcohol Problems - Health <b>News</b> - Health.com

College students who consume nonalcoholic energy drinks such as Red Bull at least once a week are more than twice as likely as their peers to show signs of alcohol dependence, according to a new study.


benchcraft company scam

Activision closes Guitar Hero dev <b>News</b> - Page 1 | Eurogamer.net

Read our news of Activision closes Guitar Hero dev.

Bullpen <b>News</b>: Benoit, Choate, and Friedman - DRaysBay

The more news that comes out like this, the more likely it is that he won't be a Ray next season. I am surprised that Randy Choate is garnering such strong interest, but he was one of the more effective, proven left-handed relievers on ...

Energy Drinks Linked to Alcohol Problems - Health <b>News</b> - Health.com

College students who consume nonalcoholic energy drinks such as Red Bull at least once a week are more than twice as likely as their peers to show signs of alcohol dependence, according to a new study.


bench craft company scam

Activision closes Guitar Hero dev <b>News</b> - Page 1 | Eurogamer.net

Read our news of Activision closes Guitar Hero dev.

Bullpen <b>News</b>: Benoit, Choate, and Friedman - DRaysBay

The more news that comes out like this, the more likely it is that he won't be a Ray next season. I am surprised that Randy Choate is garnering such strong interest, but he was one of the more effective, proven left-handed relievers on ...

Energy Drinks Linked to Alcohol Problems - Health <b>News</b> - Health.com

College students who consume nonalcoholic energy drinks such as Red Bull at least once a week are more than twice as likely as their peers to show signs of alcohol dependence, according to a new study.


how to lose weight fast benchcraft company scam
benchcraft company scam

application by Redwan2009


bench craft company scam