Wednesday, September 29, 2010

web site promotion internet marketing

The pitch for White Collar Brawler — that it’s some sort of real-life Fight Club — is one of the rare pitches that does, almost, match with the subject matter. The nonfiction tale of two friends who quit their office jobs to devote themselves to boxing isn’t nearly as anti-establishment as David Fincher’s seminal film, however, as their new devotion to training isn’t a gateway to further mayhem. It’s their escape, pure and simple.





The series, which debuted on Tuesday, was created by, and features, Kai Hasson and Nate Houghteling, with Jason Cohn directing and production company Portal A putting everything together. The first episode sets up the premise without giving us a lot of time to get to know Hasson and Houghteling, as so much of the episode is devoted to set-up. But the pair are likable and fun on camera, and seem to genuinely take this commitment seriously. It’s something their trainer Angelo Merino recognizes immediately. Merino is unfortunately stiff and uncomfortable in interview segments, but during training sessions, he’s tough and wise.



To emphasize the reality of the show, which promises a quick turnaround of episodes (Episode One was filmed just last week), the accompanying site includes a public Google calendar listing Hasson and Houghteling’s training schedule, ostensibly meaning that if you live in the San Francisco area, you could join up with the guys for a 7:00 a.m. beach run or weights session.



The show is being distributed through Next New Networks’ Creators Program; according to Zach Blume, Portal A’s director of business development and marketing, NNN execs Kathleen Grace and Ben Relles were already Portal A fans before the company began working on Brawler, and followed the show’s development accordingly.



In a slight departure from NNN’s other Next New Creators shows, Brawler uses the Blip.tv player on its site as opposed to YouTube, which is what NNC series typically use. Blume said via email that “In our negotiations with both Blip and NNN, it was made clear to us by both Steve [Woolf, of Blip.tv] and Kathleen that the two could work together harmoniously and that there was no conflict in using Blip on our site while also putting the video on YouTube for Next New’s promotion.” The first episode of White Collar Brawler has so far received only 144 views on YouTube.



Brawler is best described as non-fiction because of how it blends genres within that realm. The filmmaking style is so pretty it’s almost unnecessary, with lush cinematography that captures the gray San Francisco climate, and uses that color palette to give context to the corporate life being escaped. The feel in general proves very documentary-like in nature. However, the twist at the end of Episode One, in which Merino reveals that Hasson and Houghteling will have to fight each other eventually, reveals how much the show’s structure owes to reality TV.



How do Hasson and Houghteling not know about that twist, despite the fact that they’re credited as the creators, writers and producers of the series? According to Blume, the initial idea that the two fight each other came from Merino, who suggested it to the director; Hasson and Houghteling were asked to approve the decision after the fact. Hasson and Houghteling had no idea during the filming of the first episode that they’d eventually be fighting each other; in Episode Two, which comes out Friday morning, they’ll deal with the revelation and how it changes the dynamic of their training. Now it’s a competition; soon, there will be a showdown.



Related GigaOm Pro Content (subscription required):



By The Numbers: Budget Analysis of a Web Series



Monetizing the Social Web Isn’t One Size Fits All



Shattering the Fourth Wall To Find Web Audiences



As connecting worldwide and sharing information becomes easier through tools like smartphones and social networking sites, many governments that have traditionally been able to squash the flow of information are faced with new problems in controlling it. Rather than allowing innovation to take its course, many governments are choosing to ban the tools that make sharing easy. Whether it’s the Chinese government’s ban of Facebook and Google or the Blackberry ban in India and Saudi Arabia, we’re seeing more and more tech bans come into effect worldwide. But how does these bans effect tech nerds worldwide? Does putting a ban in place really stop the transfer of information?


Consider yourself a Facebook user in present day China. One of the most technologically advanced countries in the world, yet one of the most controlled. In the rural village of Urumqi in the Xianjiang province of western China, a riot breaks out over ethnic divides that leaves 150 people dead and over 1,000 injured. You want to hear about it. You want to know what happened. So you immediately turn to the Internet where you know you can find pictures and details of the happenings. The government has a different agenda. To quell news of the riot and to prevent its spread, the Chinese government shuts down Facebook and Twitter. By 11 a.m. major city dwellers in Shanghai and Beijing report that they can’t log into their Facebook pages and therefore are left in the dark about the riots. This happened in 2009 and it’s safe to say that the majority of the population has no idea why Facebook has been shut down or that there has been a riot, so the average person just accepts the ban and goes on with life. Some hackers attempt to access the site through backdoor channels, but most realize that it’s too risky to try to hack their way in to the social site. The spread of information that fuels our day is stopped, or at the very least, delayed.


Internet censorship in the People’s Republic of China is still strong and there are no specific laws or regulations that limit how much the government can do. There are around 60 Internet regulators that can enforce any type of censorship at will.


The people of India and Saudi Arabia faced a similar fate when the government banned the sending of Blackberry text messages, e-mail, and BBMs (an internal messaging service used among Blackberry users) because the government couldn’t monitor the encrypted services. These governments argued that it would make it harder to monitor terrorist activity if people were sending text messages and e-mails that they couldn’t read. What Americans and Europeans take for granted as the most basic forms of communication was suddenly revoked by these governments.


Sardar Mohkim Khan (@smohkim), a Pakistani tech blogger for the site StartUpMeme and an avid Facebook user, experienced a ban first hand when his personal and professional Facebook page access was shut down by the government in response to the “Everybody Draw Mohammad” Facebook fan page. The page went up in response to a threat made against the South Park creator Trey Parker for depicting the Islamic prophet Mohammad in a bear costume on the popular cartoon South Park. Khan, who’s main blog promotion was based via Facebook stated in an interview for us:


To me technology is an absolute essential, without any exaggeration, I live on it every day. Be it mobile phones, laptop or a simple Web application, I utilize each of these for fun, work and hobby and the social networks are my prime source of marketing online. Primarily Twitter and Facebook, which brings me to the recent ban on Facebook over the draw Mohammad day that had the government force a ban on access to the Facebook. My impression over the ban was mixed, given that the ban was placed primarily for Facebook CEO Mark Zuckerberg’s inability to block the page at first place despite many users complaining of the Page being hurtful to Muslim belief.


Although the Facebook ban personally affected his business, Khan believes that the ban was done in the country’s best interest:


Let me clarify one thing at first, the government in Pakistan doesn’t have an iron fist attitude towards the Internet as many Internet users openly express there views against the government on blogs, websites and none of those are blocked every now and then. The block on Facebook was done to safeguard the people’s interest, the vast majority who demanded it’s closure…Plus the country has been in turmoil ever since the War on Terror started, if the government hadn’t banned Facebook, it could have been exploited as a weakness by certain elements within the region and used to destabilize the country.


If you speak realistically in the face of the current political situation of the country, the decision was justified. Of course not without its consequences for people like me who have been using Facebook for business and connecting with people across the world. Plus it was the same means for myself and many others like me who were trying to put up some resistance against Draw Mohammad day using the social network. My blog, suffered big time due to this ban as I had to revise my strategy and stop writing on Facebook fearing that the future ban would prove devastating for myself, the blog and my readers alike. I personally know a couple of people who had their entire businesses based around Facebook and the ban proved more damaging to them.


Khan makes an interesting point. If people are offended, they should be allowed access to the networks so they can share their opinions, rather than being blocked from accessing them.



Small Business <b>News</b>: Social Media Survival Guide

Blogs, Facebook, Twitter, LinkedIn. These are only a few of the more common tools we think of when we hear the term social media. To grapple with this brand new.

<b>News</b> Roundup: Gordon Ramsay Responds to Chef&#39;s Suicide, Brad <b>...</b>

Gordon Ramsay has opened up about the death of 'Kitchen Nightmares' contestant Joseph Cerniglia. According to Entertainment Weekly, Ramsay expressed.

Murata Seisakusho Robot Learns New Skill « Akihabara <b>News</b>

To pursue its growth Akihabara News is seeking for several more editors via an intership program for 6 to 9 months. Please send us a mail @ jobs@akihabaranews.com. Message. We are moving away from Feedburner, please update your RSS ...


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Seine-Maritime (Armada) - jeu by L'agence Medianet


Small Business <b>News</b>: Social Media Survival Guide

Blogs, Facebook, Twitter, LinkedIn. These are only a few of the more common tools we think of when we hear the term social media. To grapple with this brand new.

<b>News</b> Roundup: Gordon Ramsay Responds to Chef&#39;s Suicide, Brad <b>...</b>

Gordon Ramsay has opened up about the death of 'Kitchen Nightmares' contestant Joseph Cerniglia. According to Entertainment Weekly, Ramsay expressed.

Murata Seisakusho Robot Learns New Skill « Akihabara <b>News</b>

To pursue its growth Akihabara News is seeking for several more editors via an intership program for 6 to 9 months. Please send us a mail @ jobs@akihabaranews.com. Message. We are moving away from Feedburner, please update your RSS ...


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The pitch for White Collar Brawler — that it’s some sort of real-life Fight Club — is one of the rare pitches that does, almost, match with the subject matter. The nonfiction tale of two friends who quit their office jobs to devote themselves to boxing isn’t nearly as anti-establishment as David Fincher’s seminal film, however, as their new devotion to training isn’t a gateway to further mayhem. It’s their escape, pure and simple.





The series, which debuted on Tuesday, was created by, and features, Kai Hasson and Nate Houghteling, with Jason Cohn directing and production company Portal A putting everything together. The first episode sets up the premise without giving us a lot of time to get to know Hasson and Houghteling, as so much of the episode is devoted to set-up. But the pair are likable and fun on camera, and seem to genuinely take this commitment seriously. It’s something their trainer Angelo Merino recognizes immediately. Merino is unfortunately stiff and uncomfortable in interview segments, but during training sessions, he’s tough and wise.



To emphasize the reality of the show, which promises a quick turnaround of episodes (Episode One was filmed just last week), the accompanying site includes a public Google calendar listing Hasson and Houghteling’s training schedule, ostensibly meaning that if you live in the San Francisco area, you could join up with the guys for a 7:00 a.m. beach run or weights session.



The show is being distributed through Next New Networks’ Creators Program; according to Zach Blume, Portal A’s director of business development and marketing, NNN execs Kathleen Grace and Ben Relles were already Portal A fans before the company began working on Brawler, and followed the show’s development accordingly.



In a slight departure from NNN’s other Next New Creators shows, Brawler uses the Blip.tv player on its site as opposed to YouTube, which is what NNC series typically use. Blume said via email that “In our negotiations with both Blip and NNN, it was made clear to us by both Steve [Woolf, of Blip.tv] and Kathleen that the two could work together harmoniously and that there was no conflict in using Blip on our site while also putting the video on YouTube for Next New’s promotion.” The first episode of White Collar Brawler has so far received only 144 views on YouTube.



Brawler is best described as non-fiction because of how it blends genres within that realm. The filmmaking style is so pretty it’s almost unnecessary, with lush cinematography that captures the gray San Francisco climate, and uses that color palette to give context to the corporate life being escaped. The feel in general proves very documentary-like in nature. However, the twist at the end of Episode One, in which Merino reveals that Hasson and Houghteling will have to fight each other eventually, reveals how much the show’s structure owes to reality TV.



How do Hasson and Houghteling not know about that twist, despite the fact that they’re credited as the creators, writers and producers of the series? According to Blume, the initial idea that the two fight each other came from Merino, who suggested it to the director; Hasson and Houghteling were asked to approve the decision after the fact. Hasson and Houghteling had no idea during the filming of the first episode that they’d eventually be fighting each other; in Episode Two, which comes out Friday morning, they’ll deal with the revelation and how it changes the dynamic of their training. Now it’s a competition; soon, there will be a showdown.



Related GigaOm Pro Content (subscription required):



By The Numbers: Budget Analysis of a Web Series



Monetizing the Social Web Isn’t One Size Fits All



Shattering the Fourth Wall To Find Web Audiences



As connecting worldwide and sharing information becomes easier through tools like smartphones and social networking sites, many governments that have traditionally been able to squash the flow of information are faced with new problems in controlling it. Rather than allowing innovation to take its course, many governments are choosing to ban the tools that make sharing easy. Whether it’s the Chinese government’s ban of Facebook and Google or the Blackberry ban in India and Saudi Arabia, we’re seeing more and more tech bans come into effect worldwide. But how does these bans effect tech nerds worldwide? Does putting a ban in place really stop the transfer of information?


Consider yourself a Facebook user in present day China. One of the most technologically advanced countries in the world, yet one of the most controlled. In the rural village of Urumqi in the Xianjiang province of western China, a riot breaks out over ethnic divides that leaves 150 people dead and over 1,000 injured. You want to hear about it. You want to know what happened. So you immediately turn to the Internet where you know you can find pictures and details of the happenings. The government has a different agenda. To quell news of the riot and to prevent its spread, the Chinese government shuts down Facebook and Twitter. By 11 a.m. major city dwellers in Shanghai and Beijing report that they can’t log into their Facebook pages and therefore are left in the dark about the riots. This happened in 2009 and it’s safe to say that the majority of the population has no idea why Facebook has been shut down or that there has been a riot, so the average person just accepts the ban and goes on with life. Some hackers attempt to access the site through backdoor channels, but most realize that it’s too risky to try to hack their way in to the social site. The spread of information that fuels our day is stopped, or at the very least, delayed.


Internet censorship in the People’s Republic of China is still strong and there are no specific laws or regulations that limit how much the government can do. There are around 60 Internet regulators that can enforce any type of censorship at will.


The people of India and Saudi Arabia faced a similar fate when the government banned the sending of Blackberry text messages, e-mail, and BBMs (an internal messaging service used among Blackberry users) because the government couldn’t monitor the encrypted services. These governments argued that it would make it harder to monitor terrorist activity if people were sending text messages and e-mails that they couldn’t read. What Americans and Europeans take for granted as the most basic forms of communication was suddenly revoked by these governments.


Sardar Mohkim Khan (@smohkim), a Pakistani tech blogger for the site StartUpMeme and an avid Facebook user, experienced a ban first hand when his personal and professional Facebook page access was shut down by the government in response to the “Everybody Draw Mohammad” Facebook fan page. The page went up in response to a threat made against the South Park creator Trey Parker for depicting the Islamic prophet Mohammad in a bear costume on the popular cartoon South Park. Khan, who’s main blog promotion was based via Facebook stated in an interview for us:


To me technology is an absolute essential, without any exaggeration, I live on it every day. Be it mobile phones, laptop or a simple Web application, I utilize each of these for fun, work and hobby and the social networks are my prime source of marketing online. Primarily Twitter and Facebook, which brings me to the recent ban on Facebook over the draw Mohammad day that had the government force a ban on access to the Facebook. My impression over the ban was mixed, given that the ban was placed primarily for Facebook CEO Mark Zuckerberg’s inability to block the page at first place despite many users complaining of the Page being hurtful to Muslim belief.


Although the Facebook ban personally affected his business, Khan believes that the ban was done in the country’s best interest:


Let me clarify one thing at first, the government in Pakistan doesn’t have an iron fist attitude towards the Internet as many Internet users openly express there views against the government on blogs, websites and none of those are blocked every now and then. The block on Facebook was done to safeguard the people’s interest, the vast majority who demanded it’s closure…Plus the country has been in turmoil ever since the War on Terror started, if the government hadn’t banned Facebook, it could have been exploited as a weakness by certain elements within the region and used to destabilize the country.


If you speak realistically in the face of the current political situation of the country, the decision was justified. Of course not without its consequences for people like me who have been using Facebook for business and connecting with people across the world. Plus it was the same means for myself and many others like me who were trying to put up some resistance against Draw Mohammad day using the social network. My blog, suffered big time due to this ban as I had to revise my strategy and stop writing on Facebook fearing that the future ban would prove devastating for myself, the blog and my readers alike. I personally know a couple of people who had their entire businesses based around Facebook and the ban proved more damaging to them.


Khan makes an interesting point. If people are offended, they should be allowed access to the networks so they can share their opinions, rather than being blocked from accessing them.



bench craft company rip off

Small Business <b>News</b>: Social Media Survival Guide

Blogs, Facebook, Twitter, LinkedIn. These are only a few of the more common tools we think of when we hear the term social media. To grapple with this brand new.

<b>News</b> Roundup: Gordon Ramsay Responds to Chef&#39;s Suicide, Brad <b>...</b>

Gordon Ramsay has opened up about the death of 'Kitchen Nightmares' contestant Joseph Cerniglia. According to Entertainment Weekly, Ramsay expressed.

Murata Seisakusho Robot Learns New Skill « Akihabara <b>News</b>

To pursue its growth Akihabara News is seeking for several more editors via an intership program for 6 to 9 months. Please send us a mail @ jobs@akihabaranews.com. Message. We are moving away from Feedburner, please update your RSS ...


bench craft company rip off benchcraft company scam

Small Business <b>News</b>: Social Media Survival Guide

Blogs, Facebook, Twitter, LinkedIn. These are only a few of the more common tools we think of when we hear the term social media. To grapple with this brand new.

<b>News</b> Roundup: Gordon Ramsay Responds to Chef&#39;s Suicide, Brad <b>...</b>

Gordon Ramsay has opened up about the death of 'Kitchen Nightmares' contestant Joseph Cerniglia. According to Entertainment Weekly, Ramsay expressed.

Murata Seisakusho Robot Learns New Skill « Akihabara <b>News</b>

To pursue its growth Akihabara News is seeking for several more editors via an intership program for 6 to 9 months. Please send us a mail @ jobs@akihabaranews.com. Message. We are moving away from Feedburner, please update your RSS ...


bench craft company rip off bench craft company rip off

Small Business <b>News</b>: Social Media Survival Guide

Blogs, Facebook, Twitter, LinkedIn. These are only a few of the more common tools we think of when we hear the term social media. To grapple with this brand new.

<b>News</b> Roundup: Gordon Ramsay Responds to Chef&#39;s Suicide, Brad <b>...</b>

Gordon Ramsay has opened up about the death of 'Kitchen Nightmares' contestant Joseph Cerniglia. According to Entertainment Weekly, Ramsay expressed.

Murata Seisakusho Robot Learns New Skill « Akihabara <b>News</b>

To pursue its growth Akihabara News is seeking for several more editors via an intership program for 6 to 9 months. Please send us a mail @ jobs@akihabaranews.com. Message. We are moving away from Feedburner, please update your RSS ...


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Friday, September 24, 2010

budgeting personal finances




  • CEDIA: LG, JVC and Sony debut LCoS-based 3D front projectors



  • BMW ActiveE electric car - Consumer field trials to begin next summer



  • Five insider shopping tips for Gordon Gekko



  • Daily Dispatch: Google NEW lists updates of all its products; Survey reveals people prefer colonoscopies to computer maintenance



  • 2010 Distracted Driving Summit: What’s next for combating driver distractions?



  • What's the deal with car tire pricing?



  • Q&A: Short on salt



  • Daily electronics deals



  • 6 painless ways to cut your grocery bill



  • Go green for school supplies







  • CEDIA: LG, JVC and Sony debut LCoS-based 3D front projectors



  • BMW ActiveE electric car - Consumer field trials to begin next summer



  • Five insider shopping tips for Gordon Gekko



  • Daily Dispatch: Google NEW lists updates of all its products; Survey reveals people prefer colonoscopies to computer maintenance



  • 2010 Distracted Driving Summit: What’s next for combating driver distractions?



  • What's the deal with car tire pricing?



  • Q&A: Short on salt



  • Daily electronics deals



  • 6 painless ways to cut your grocery bill



  • Go green for school supplies






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Bad <b>news</b> for green technology | Watts Up With That?

Super magnet production has also been shipped over to China http://www.chinamagnet.in/i-News-229212/The-development-and-applications-of-Rare-Earth-Permanent-Magnetic-Materials-244616.html. Over the last 10 to 20 years companies have ...

After Months of Speculation, Anisette Brasserie Bids Au Revoir <b>...</b>

Unfortunately, we called it. In an additional bout of shutter news, months and months after rumors swirled that Alain Giraud's Anisette Brasserie was about to call it quits, his...

Expats talks <b>news</b> over booze - RT

This week, Moscow's expats share their impressions of the stories that made the news, including the Arctic Forum, Pakistan's floods and the Art Moscow Fair.


Bad <b>news</b> for green technology | Watts Up With That?

Super magnet production has also been shipped over to China http://www.chinamagnet.in/i-News-229212/The-development-and-applications-of-Rare-Earth-Permanent-Magnetic-Materials-244616.html. Over the last 10 to 20 years companies have ...

After Months of Speculation, Anisette Brasserie Bids Au Revoir <b>...</b>

Unfortunately, we called it. In an additional bout of shutter news, months and months after rumors swirled that Alain Giraud's Anisette Brasserie was about to call it quits, his...

Expats talks <b>news</b> over booze - RT

This week, Moscow's expats share their impressions of the stories that made the news, including the Arctic Forum, Pakistan's floods and the Art Moscow Fair.


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Bad <b>news</b> for green technology | Watts Up With That?

Super magnet production has also been shipped over to China http://www.chinamagnet.in/i-News-229212/The-development-and-applications-of-Rare-Earth-Permanent-Magnetic-Materials-244616.html. Over the last 10 to 20 years companies have ...

After Months of Speculation, Anisette Brasserie Bids Au Revoir <b>...</b>

Unfortunately, we called it. In an additional bout of shutter news, months and months after rumors swirled that Alain Giraud's Anisette Brasserie was about to call it quits, his...

Expats talks <b>news</b> over booze - RT

This week, Moscow's expats share their impressions of the stories that made the news, including the Arctic Forum, Pakistan's floods and the Art Moscow Fair.



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Are you a fan of the GTD personal productivity system? Well if you like "Getting Things Done," here's GFD, Getting Finances Done, which shows you how to map David Allen's same principals to managing your personal finance and achieving your financial goals.



Applying GTD principles to your personal finances - Part 1 [Getting Finances Done]







A lot of people are unemployed in this country, 14.9 million as of the latest BLS release a couple of days ago, and for some of those people, this has become what is coyly referred to as ‘the entrepreneurial moment’, the ‘ah-ha’ light-bulb realization that if they don’t create a job for themselves, there will be no job, no income, no mortgage payment, no groceries, no light, no heat, no gas for the car, nuthin’. Since 2008, over 5 million jobs have been lost, many of which will never, ever come back.


Welcome to Labor Day, 2010.


Some of these ‘lost’ jobs have been outsourced overseas. Some have just been cut. Some companies are using their cash to invest in technologies which will insure that they will never have to hire these folks back, at least not with the skills that they had when they were given a cardboard box and five minutes to empty their desks and get out the front door.


If there are people out there who have or are considering building their own ‘life raft’ it would surprise absolutely no one; though for some folks, entrepreneurship is so scary, they can’t imagine anything other than hiring on to someone else’s deal, no matter how horrible it is.


Sometimes, though, you don’t have any choice. One thing to remember, is that many of the most successful entrepreneurs in this country have not invented fuel cells, high tech photovoltaic films, high speed transit, a cure for cancer (or the common cold), or the answer for peace in our time. They are cleaning houses, making pizza, fixing computers/ipods/iphones/cars/furnaces/plumbing/household electric, managing other people’s systems, giving advice, making clothing for people who are outside the common size ranges in the stores.


Not exactly operating a basement boiler room financial situation, doing crazy financial stuff, or stirring up the pot on international finance.


At its most basic, it’s local; at its most interesting, it might even be regional. But it is still person to person; it’s still me doing business with you. Face to face. My hands and brain doing stuff to help you. Some of this is amazingly low tech – some of it is almost medieval.


This week’s fascinating story comes from the New York Times about a family of knife sharpeners who have thrown a new curve on this ancient of trades by providing two sets of knives to butchers, restaurants, food services (in Yankee Stadium, for heaven’s sake), and calling on a weekly basis to pick up the used set and providing the newly sharpened set.


Anyone who does any real work in a kitchen at all knows that your most important tools are a good set of knives and a good frying and sauce pan. With those three things, you can do almost anything (and yes, I have made cookies in the bottom of a frying pan; thank you for asking), but if your knives are dull, cutting anything becomes horrible work and you can injure yourself badly. “Every week, the company visits more than 800 clients and collects more than 8,000 knives to be replaced with freshly sharpened blades. The service costs $2.50 to $3.50 per knife.


The business started servicing mainly butchers and meatpackers, in territories handed down from father to son. To preserve the business for his children, Mr. Ambrosi expanded it to restaurants and even Yankee Stadium, in some cases deviating from long-held tradition. Many cooks and chefs take personal pride in their knives and their ability to maintain them, and would hesitate to release them to anyone else’s care. But sharpening a knife takes time and skill — and not every chef has both.”


Having a skill and honing (sorry) that so that you can provide something that someone else can not (or will not) do, whether it is being an electrician, a plumber, a welder, a knife sharpener, a shoe repair shop, a hair dresser, whatever it is – can make the difference in today’s international economy between being able to make a living for your family and holding your head in your hands. One of America’s biggest mistakes as far as education is concerned (and others might just argue with me) is that we “jumped the shark” in terms of absorbing people coming out of colleges.


Since the 1980s, kids coming out of college have had fewer and lower level opportunities. Jobs which absorbed high schoolers, now require a 2 or 4 year degree; job that required a college degree started to require a masters degree; some jobs which required a college degree and some internal training, now require advanced degrees – I even know of jobs that now require a legal degree to be hired which 30 years ago required a college degree and passing a test. So much emphasis was placed on going to college – and vocational training and the trades were so downgraded and derided that any family with a kid with two brain cells to rub together would not even THINK of encouraging that kid to go into the trades, unless the family was already in the business.


We’re now at a situation where companies, which shot themselves in the foot by sending skilled jobs overseas and now want to bring them back because costs overseas have risen and/or they are tired of their intellectual property being stolen and sold to others, can’t find the skills they want. Not to put too fine a point on this – those same companies have not done any training themselves; nor are they willing to do so. They got into the habit a long time ago of pushing the investment in training off on others. The government for one.


The other, which has willingly and consistently provided training in the trades for years are the unions. Organized labor. The Great Satan of the industrial world. The guys everyone loves to hate. The organizations which, according to many employers, stand in their way of succeeding in business.


But still, the organization which has kept skills alive in this country despite outsourcing, overseas sourcing, attacks from business and government, and general antipathy from great swaths of the American population in certain parts of the country.


So. On this frankly very sad Labor Day, 2010, I’d like to thank the American Labor Movement for remembering what America and Americans do best and what we need to do on an increasing basis if we are to put people back to work – or if we are to have businesses to call our own: Do stuff with our hands.


Thanks folks. You’re not perfection, but you’re willing to invest in Americans.


Happy Labor Day




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Olbermann On Sharron Angle Video | Fox <b>News</b> | Media Matters | Mediaite

You'll never believe this one, but it appears Keith Olbermann isn't the biggest fan of Fox News. But in case there was any doubt, on last night's Countdown he made it clear again, going after what he sees as the network blatantly ...

Official Google Blog: Google <b>News</b> turns eight

Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

BREAKING <b>NEWS</b>: Lindsay Lohan Ordered Back To Jail; Bail Revoked <b>...</b>

Lindsay Lohan is going back to jail. In a stunning move, Los Angeles Superior Court Judge Elden Fox threw the book at Lohan Friday morning in Beverly Hills, revoking her bail and ordering her back to jail. PHOTOS: Lindsay Lohan Arrives ...


Olbermann On Sharron Angle Video | Fox <b>News</b> | Media Matters | Mediaite

You'll never believe this one, but it appears Keith Olbermann isn't the biggest fan of Fox News. But in case there was any doubt, on last night's Countdown he made it clear again, going after what he sees as the network blatantly ...

Official Google Blog: Google <b>News</b> turns eight

Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

BREAKING <b>NEWS</b>: Lindsay Lohan Ordered Back To Jail; Bail Revoked <b>...</b>

Lindsay Lohan is going back to jail. In a stunning move, Los Angeles Superior Court Judge Elden Fox threw the book at Lohan Friday morning in Beverly Hills, revoking her bail and ordering her back to jail. PHOTOS: Lindsay Lohan Arrives ...


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Olbermann On Sharron Angle Video | Fox <b>News</b> | Media Matters | Mediaite

You'll never believe this one, but it appears Keith Olbermann isn't the biggest fan of Fox News. But in case there was any doubt, on last night's Countdown he made it clear again, going after what he sees as the network blatantly ...

Official Google Blog: Google <b>News</b> turns eight

Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

BREAKING <b>NEWS</b>: Lindsay Lohan Ordered Back To Jail; Bail Revoked <b>...</b>

Lindsay Lohan is going back to jail. In a stunning move, Los Angeles Superior Court Judge Elden Fox threw the book at Lohan Friday morning in Beverly Hills, revoking her bail and ordering her back to jail. PHOTOS: Lindsay Lohan Arrives ...



G20 Summit, London, G20 London, G20 Protests, G20 Demonstrations by G20London2009







G20 Summit, London, G20 London, G20 Protests, G20 Demonstrations by G20London2009






























Thursday, September 23, 2010

How to Making Money



Does respecting the opinions of others include despising others, of implying that others will be at fault if the awful Rethugs, whom Obama has been, you will recall, courting with “bipartisanship”?


Does respect entail telling us that what we saw, in print, of Obama’s clear promises, what we heard with our own ears, of Obama’s promises, an Obama many worked for thinking that, as a black man, Obama would be good for the country, and the vote alone, by itself, Was and IS a sign of the good of the country … does respect mean telling us we never saw or heard such things … that we are lying and making things up?


Does respect mean telling people who have watched, closely, the political scene for longer than Obama has been alive, people who were willing and happy to donate time and effort and ideas, people who had and have good, indeed wonderful, ideas, ideas that still must be implemented to avert serious economic and social disaster, that they are “effing r*****s”, in need of a drug test, and of “getting” a “real” life?


Does respect mean peddling fear?


Or does “respect” mean something else perhaps, like appreciation, or at least, tolerance AND the understanding that people who do not agree with you are, possibly, neither stupid nor uninformed?


Apparently, what phred suggested, regarding a party having actual accomplishments and a moral compass is less important than “winning”, when such “winning” simply means more of the same.


Frankly, AC2, it matters little who is in power because the “system” is so corrupt, economically and legally, specifically as regards the rule of law, as Obama has continued and extended the worst of the Bush-Cheney Executive power grab, and the military has far to much power, politically and, in terms of the amount of the nation’s “wealth and treasure”, a stranglehold on the nation’s “looking forward” future, that regardless of who is in “power”, as they are both essentially the same, in spite of YOUR assertions that, somehow, they are not … our society faces very hard times … and to be brutally honest … the pain ought to be shared equally, and the blame, let’s not put it on “progressives”, or even the T-baggers, but on those who have had and do have power, especially Obama who had, despite those who dispute it, a genuine and heartfelt mandate to actually make some changes, which as President, with majorities in both the House and Senate, as well as each and every one of those “Democratic” Senators and Representatives, he and the Democrats COULD have done?


At the very least, respect means not calling others stupid or blaming them for the failures of others.


When the spill in the Gulf occurred, certain pundits intoned, “We are all responsible for this catastrophe.”


But look who is still in business, the largest supplier to the US military, aka Bee Pee.


When the economic meltdown occurred, certain pundits intoned, “It was those who could not afford these homes, but really we are all to blame.”


But look who is getting huge, actually obscene, “bonuses”?


Now you can say, “It’s systemic, and the D’s can’t fix it over-night”


Righto, AC2, righto.


Wonder when they plan to start?


Righto, right after they defeat the awful, evil R’s … well soon thereafter, anyhow.


But it’s hard, doncha know?


Righto.


Now, you will note, AC2, that at no point did I take you, personally, to task or suggest that it will be your fault if disaster befalls us? Nor did phred, for that matter.


Those who differ from you have never said you are to blame, yet you, and other partisans who agree with your viewpoint, charge us with such “responsibility” constantly and consistently,


Nobody “lost” 2000, but the Dems, Gore and Lieberman.


Frankly, AC2, I voted AGAINST Lieberman AND Gore’s apparently happy choice of Lieberman as his running-mate.


And, you know, just between us, AC2, Gore’s behavior, during Bush v. Gore, was not inspiring, to say the least.


Kind of cowardly, like the D’s in general, and certain ones, in particular.


These times, clearly, call for courage and bold innovation, not capitulation to selfish greed, mindless fear, and state secrecy, “secret” law and killing at a distance on the whims of one man or woman. Democrat or Republican. The President of the United States of America.


In my opinion.


DW




Diddums. Casey Affleck admits that he ‘went broke’ filming his fail movie with Joaquin Phoenix. The movie, I’m Still Here, was filmed over two years and was revealed to be a fake documentary-style movie that Affleck thought anyone with two working eyes and ears would be fooled by. The film showed Phoenix, who would have made interesting material without the pretentious/ staged nature of the movie, doing coke/ hookers and getting pooped on. Or, as I like to call it ‘Wednesday’.  That’s some mid-week pAArtying and moviegoers agreed. Affleck’s movie went up against his big brother’s movie, The Town (which topped the US box office and opened on Rotten Tomatoes to a 93% fresh rating), and only took $96,658 in its opening weekend. Sucks to be the less talented brother, and there’s something I never thought I’d say of these two. Speaking to The Telegraph in the UK, Affleck says he came clean about the hoax everyone knew about so as not to permanently damage Phoenix’s reputation. The movie was supposed to be a cynical look at Hollywood and its trappings. Not poop.


Casey Affleck has admitted that I’m Still Here, his hoax documentary about Joaquin Phoenix, was a “planned, staged and scripted work of fiction” that nearly bankrupted him. Affleck said the project was an essay on celebrity culture. “It was pretty much all within the realm of possibility: people use prostitutes, people use drugs, especially in Hollywood. We didn’t take it so far that it wasn’t believable,” he told The Daily Telegraph. “Having something at stake is a great motivator and once this thing became public for me that was very helpful because there was no question: I had to see it through, no matter how long it took. I went broke. I hadn’t worked for more than a year, and I was pouring money into the movie. I had to stop for a month to do The Killer Inside Me. If I hadn’t, I wouldn’t have been able to finish the film – I was out of money. There was a lot at stake financially and, if we had left [the hoax] there, it would have been very damaging to Joaquin’s career.”




Casey Affleck, Joaquin Phoenix: I’m Still Here mockumentary movie trailer.

Google New: It&#39;s Google <b>News</b> About New Google Stuff In One Place

In terms of blog networks, no one ever seems to talk about Google, but they actually have one of the biggest. The search giant has well over 100 blogs devoted to everything from general company news to niche things that only webmasters ...

Small Business <b>News</b>: The Times They Are A Changing

In the 60's it was a song of revolution when change was just not as common. Today, it reflects a fact of life, at least for small business owners and.

Rumour: Project Milo cancelled Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of Rumour: Project Milo cancelled.


robert shumake

Google New: It&#39;s Google <b>News</b> About New Google Stuff In One Place

In terms of blog networks, no one ever seems to talk about Google, but they actually have one of the biggest. The search giant has well over 100 blogs devoted to everything from general company news to niche things that only webmasters ...

Small Business <b>News</b>: The Times They Are A Changing

In the 60's it was a song of revolution when change was just not as common. Today, it reflects a fact of life, at least for small business owners and.

Rumour: Project Milo cancelled Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of Rumour: Project Milo cancelled.




Does respecting the opinions of others include despising others, of implying that others will be at fault if the awful Rethugs, whom Obama has been, you will recall, courting with “bipartisanship”?


Does respect entail telling us that what we saw, in print, of Obama’s clear promises, what we heard with our own ears, of Obama’s promises, an Obama many worked for thinking that, as a black man, Obama would be good for the country, and the vote alone, by itself, Was and IS a sign of the good of the country … does respect mean telling us we never saw or heard such things … that we are lying and making things up?


Does respect mean telling people who have watched, closely, the political scene for longer than Obama has been alive, people who were willing and happy to donate time and effort and ideas, people who had and have good, indeed wonderful, ideas, ideas that still must be implemented to avert serious economic and social disaster, that they are “effing r*****s”, in need of a drug test, and of “getting” a “real” life?


Does respect mean peddling fear?


Or does “respect” mean something else perhaps, like appreciation, or at least, tolerance AND the understanding that people who do not agree with you are, possibly, neither stupid nor uninformed?


Apparently, what phred suggested, regarding a party having actual accomplishments and a moral compass is less important than “winning”, when such “winning” simply means more of the same.


Frankly, AC2, it matters little who is in power because the “system” is so corrupt, economically and legally, specifically as regards the rule of law, as Obama has continued and extended the worst of the Bush-Cheney Executive power grab, and the military has far to much power, politically and, in terms of the amount of the nation’s “wealth and treasure”, a stranglehold on the nation’s “looking forward” future, that regardless of who is in “power”, as they are both essentially the same, in spite of YOUR assertions that, somehow, they are not … our society faces very hard times … and to be brutally honest … the pain ought to be shared equally, and the blame, let’s not put it on “progressives”, or even the T-baggers, but on those who have had and do have power, especially Obama who had, despite those who dispute it, a genuine and heartfelt mandate to actually make some changes, which as President, with majorities in both the House and Senate, as well as each and every one of those “Democratic” Senators and Representatives, he and the Democrats COULD have done?


At the very least, respect means not calling others stupid or blaming them for the failures of others.


When the spill in the Gulf occurred, certain pundits intoned, “We are all responsible for this catastrophe.”


But look who is still in business, the largest supplier to the US military, aka Bee Pee.


When the economic meltdown occurred, certain pundits intoned, “It was those who could not afford these homes, but really we are all to blame.”


But look who is getting huge, actually obscene, “bonuses”?


Now you can say, “It’s systemic, and the D’s can’t fix it over-night”


Righto, AC2, righto.


Wonder when they plan to start?


Righto, right after they defeat the awful, evil R’s … well soon thereafter, anyhow.


But it’s hard, doncha know?


Righto.


Now, you will note, AC2, that at no point did I take you, personally, to task or suggest that it will be your fault if disaster befalls us? Nor did phred, for that matter.


Those who differ from you have never said you are to blame, yet you, and other partisans who agree with your viewpoint, charge us with such “responsibility” constantly and consistently,


Nobody “lost” 2000, but the Dems, Gore and Lieberman.


Frankly, AC2, I voted AGAINST Lieberman AND Gore’s apparently happy choice of Lieberman as his running-mate.


And, you know, just between us, AC2, Gore’s behavior, during Bush v. Gore, was not inspiring, to say the least.


Kind of cowardly, like the D’s in general, and certain ones, in particular.


These times, clearly, call for courage and bold innovation, not capitulation to selfish greed, mindless fear, and state secrecy, “secret” law and killing at a distance on the whims of one man or woman. Democrat or Republican. The President of the United States of America.


In my opinion.


DW




Diddums. Casey Affleck admits that he ‘went broke’ filming his fail movie with Joaquin Phoenix. The movie, I’m Still Here, was filmed over two years and was revealed to be a fake documentary-style movie that Affleck thought anyone with two working eyes and ears would be fooled by. The film showed Phoenix, who would have made interesting material without the pretentious/ staged nature of the movie, doing coke/ hookers and getting pooped on. Or, as I like to call it ‘Wednesday’.  That’s some mid-week pAArtying and moviegoers agreed. Affleck’s movie went up against his big brother’s movie, The Town (which topped the US box office and opened on Rotten Tomatoes to a 93% fresh rating), and only took $96,658 in its opening weekend. Sucks to be the less talented brother, and there’s something I never thought I’d say of these two. Speaking to The Telegraph in the UK, Affleck says he came clean about the hoax everyone knew about so as not to permanently damage Phoenix’s reputation. The movie was supposed to be a cynical look at Hollywood and its trappings. Not poop.


Casey Affleck has admitted that I’m Still Here, his hoax documentary about Joaquin Phoenix, was a “planned, staged and scripted work of fiction” that nearly bankrupted him. Affleck said the project was an essay on celebrity culture. “It was pretty much all within the realm of possibility: people use prostitutes, people use drugs, especially in Hollywood. We didn’t take it so far that it wasn’t believable,” he told The Daily Telegraph. “Having something at stake is a great motivator and once this thing became public for me that was very helpful because there was no question: I had to see it through, no matter how long it took. I went broke. I hadn’t worked for more than a year, and I was pouring money into the movie. I had to stop for a month to do The Killer Inside Me. If I hadn’t, I wouldn’t have been able to finish the film – I was out of money. There was a lot at stake financially and, if we had left [the hoax] there, it would have been very damaging to Joaquin’s career.”




Casey Affleck, Joaquin Phoenix: I’m Still Here mockumentary movie trailer.


The Coolest Way To Make More Money With iPhone Apps by Aqif


robert shumake

Google New: It&#39;s Google <b>News</b> About New Google Stuff In One Place

In terms of blog networks, no one ever seems to talk about Google, but they actually have one of the biggest. The search giant has well over 100 blogs devoted to everything from general company news to niche things that only webmasters ...

Small Business <b>News</b>: The Times They Are A Changing

In the 60's it was a song of revolution when change was just not as common. Today, it reflects a fact of life, at least for small business owners and.

Rumour: Project Milo cancelled Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of Rumour: Project Milo cancelled.


robert shumake

Google New: It&#39;s Google <b>News</b> About New Google Stuff In One Place

In terms of blog networks, no one ever seems to talk about Google, but they actually have one of the biggest. The search giant has well over 100 blogs devoted to everything from general company news to niche things that only webmasters ...

Small Business <b>News</b>: The Times They Are A Changing

In the 60's it was a song of revolution when change was just not as common. Today, it reflects a fact of life, at least for small business owners and.

Rumour: Project Milo cancelled Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of Rumour: Project Milo cancelled.

















Wednesday, September 22, 2010

foreclosure search




Need-to-know No. 1: The fine print associated with the type of auction you're attending. If you plan to score your bargain-basement unit at the foreclosure auction on the steps of the county courthouse, consult with a local real estate attorney and make sure you conduct an exhaustive title search before you make your bid. It's possible to purchase one of these properties and still have to contend with other liens still on the property, like second (or third) mortgages, back property taxes and Homeowners Association (HOA) dues unpaid by the former owner.



Under the law in nearly half of the states, when you buy a place at the foreclosure auction, the former owner has anywhere from six months to a year after the auction to "redeem" their rights to the property, meaning they have the legal right to buy it back from you.



If you're buying the property at an auction of REO properties (Real Estate Owned by the bank), make sure you read 100% of the terms and conditions of the auction. Many auctions will allow you to get a property inspection -- go figure -- so you should. They will also often allow you to use a mortgage to finance your purchase, which the courthouse foreclosure auctions do not.



However, most of these REO auctions do take a non-refundable cash deposit from the auction winner, and do add some sort of "buyer's premium" on top of the winning bid -- some as high as 5%. That extra cash can make it tougher to get positive cash flow out of the place.



Get clear on the fine print before you buy at any property auction.



Need-to-know No. 2: Your numbers. Many a wanna-be investor thinks, "Hey -- it's a $50,000 condo. If I get $1,000 in rent -- I'll be making cash hand-over-fist." And there ends their cash flow analysis. Seasoned investors know, though, that there are always more line items to the story. If you're thinking about investing in even the cheapest of cheap condos, you still need to create a written cash flow projection, or pro forma, to see how feasible it is that the investment will actually pay off.



If you plan to finance your investment with a mortgage, you must factor in the mortgage payment, mortgage insurance (if you put less than 20% down), and closing costs. And, even if you are able to buy a cheap condo with cash, you still need to take into account the costs of HOA dues, property taxes, landlord's insurance, any utilities landlords pay in your neck of the woods (like water and gas), a property manager and repairs.



You should also include an allowance for long-term maintenance, possible special assessments by the HOA and vacancies -- every landlord deals with occasional months where no rental payments come in. And you should definitely have a chat with your tax adviser about the deductions you should factor in, and the income tax you may incur on the rental income.



Then, offset that -- on paper -- by the average rents being received by other landlords in the complex or the area. If you're only making $3.75 per month in the projections, you might decide that other investments are more sensible.



Need-to-know No. 3: Whether the HOA and the complex are healthy. Sacramento, Calif., real estate agent Stacey Wilson thought she'd scored, big-time, when she invested in a two-bedroom, two-and-a-half bath condo for $40,000 in September of 2009, especially since the place had gone for $175,000 in 2007. After closing, though, it quickly dawned on Wilson that the complex and the HOA were both broke.



"Take a look around and see whether things are in working order," Wilson advises prospective condo investors. "When things are broken, find out how long they've been broken." Wilson's complex has two pools and a sauna, but "none of them works -- and they haven't worked in years."



Also, Wilson's unit is in an HOA riddled with a sky-high rate of delinquent dues, so it can't afford to repair the pools and sauna, nor does it have the cash to replace the wood shake roofs on all the buildings. "We only have a couple of years of roof life left, and now the hazard insurance company is threatening to drop our coverage, because they see the wood roof as a fire hazard," Wilson explains. "It's really important to read every page of the HOA disclosures you get during escrow, and make sure they're solvent. If the HOA is broke, it can create a domino effect of problems."



Need-to-know No. 4: The landlord-tenant laws and restrictions of your city or HOA. Many urban areas, in particular, have rent-control and eviction-control laws that limit your ability to raise the rent, or to evict a tenant without having a particularly strong reason for doing so -- sometimes even requiring landlords to pay tenants to move out.



And because the percentage of owner-occupied units impacts the ability of an HOA's members to resell and refinance their homes (many banks won't offer mortgages in complexes with fewer than 75% of the units being owner-occupied), many HOAs put a cap on how many units can be rented out. If you're planning to buy the condo as a rental property, it behooves you to know how feasible and how desirable it is to be a landlord in that complex and town before you buy.



Need-to-know No. 5: Where goes the neighborhood. Wilson's foray into dirt-cheap condo investing turned into a true adventure when circumstances led to her moving into the property she thought she'd never live in. Turned out, the nighttime goings-on in her new neighborhood were unlike anything she ever expected from her exclusively daytime experiences in the area. Before investing in a discount condo, Wilson advises, act like someone house hunting for their personal residence, and "go by the place at night and on the weekends. You'd be surprised at how different a place can be at night."



The fact that a condo is so inexpensive might actually be a signal that the neighborhood may not be one you want to spend much time in, even as a landlord. Wilson says, with 20/20 hindsight, "If it's really cheap, it's probably not in the best place."

I think that if you trace HAMP to the source you will find this was an invention of the bureaucrats at the Treasury who fooled both the public (and probably Obama, perhaps the new Secretary) and even the banksters. If you read the implementing instructions it becomes clear this is a maze that few can find an ‘approved’ entry to or exit from. Just the ‘dictionary’ was 136 lines with 10 cells on an Excel spreadsheet (190kb). I was looking at the fifth revision.


HAMP did forestall a few foreclosures, but it took jumping through hoops. Only a small sum went to the service folks and the rules were changed quarterly. On the banks side they wanted it to work as it could put off the loss while it was in HAMP. It was badly implemented because it was like that pea and shell game. I got a headache reading through all the ‘rules’ and categories and realized this lacked a hard and fast rule. It was ‘optional’ for the bank and the borrower.


It is fair to blame the banksters for most of the failure, but the Treasury was most at fault and those folks who created it are the crats who are not swept away with a changed administration. These critters do either retire or seek jobs with those who must figure out the rules.


I’m giving Obama and maybe even Timothy a pass on this one.. they had a lot on the plate and let the crats do the chores. Congress is who I’ll blame.. they should have never raised the lending limits that Fannie and Freddie could provide as that’s what sent this bubble aloft. People have to have jobs that pay enough to pay these loans. They did not and even as we see from this tale.. people have tried and can’t due to a host of issues.. but folks… a $2,600@ payment is only part of home ownership. You need a net income of $10,000@ month to service such a debt. Clearly a lot of folks were to blame.


‘Wanting’ this house is not planning so as to afford it. People acted imprudently and now we’re ALL going to pay and pay and pay. The lawyers and banksters never pay, which is why they need to be REGULATED. That is worth getting angry over. Home ownership was never (after maintenance, taxes and insurance) going to appreciate more than 1-2% a year.. if you maintain and update. The whole idea of buying houses that will eat your income to the extent these folks have was NUTS.


Yes it was also a stall tactic, but that’s not a bad thing given the mess we’re all in. Congress are who we need to rail on. Fannie and Freddy need to go away. Local banking isolated from the ‘products’ is what we need back. They worked and worked with the borrower. Today the investors are detached and suckers too.



Official Google Blog: Google <b>News</b> turns eight

Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

Scripting <b>News</b>: What kind of <b>news</b> system...?

And it's not okay that they're making a bid for exclusivity on the role of News System of the Future, and they can't even keep their servers running properly. Either you deliver the benefit of being the sole provider, or sorry (to ...

FileMaker releases FileMaker Go updates for iPhone and iPad <b>...</b>

iLounge news discussing the FileMaker releases FileMaker Go updates for iPhone and iPad. Find more iPad news from leading independent iPod, iPhone, and iPad site.


robert shumake

Official Google Blog: Google <b>News</b> turns eight

Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

Scripting <b>News</b>: What kind of <b>news</b> system...?

And it's not okay that they're making a bid for exclusivity on the role of News System of the Future, and they can't even keep their servers running properly. Either you deliver the benefit of being the sole provider, or sorry (to ...

FileMaker releases FileMaker Go updates for iPhone and iPad <b>...</b>

iLounge news discussing the FileMaker releases FileMaker Go updates for iPhone and iPad. Find more iPad news from leading independent iPod, iPhone, and iPad site.





Need-to-know No. 1: The fine print associated with the type of auction you're attending. If you plan to score your bargain-basement unit at the foreclosure auction on the steps of the county courthouse, consult with a local real estate attorney and make sure you conduct an exhaustive title search before you make your bid. It's possible to purchase one of these properties and still have to contend with other liens still on the property, like second (or third) mortgages, back property taxes and Homeowners Association (HOA) dues unpaid by the former owner.



Under the law in nearly half of the states, when you buy a place at the foreclosure auction, the former owner has anywhere from six months to a year after the auction to "redeem" their rights to the property, meaning they have the legal right to buy it back from you.



If you're buying the property at an auction of REO properties (Real Estate Owned by the bank), make sure you read 100% of the terms and conditions of the auction. Many auctions will allow you to get a property inspection -- go figure -- so you should. They will also often allow you to use a mortgage to finance your purchase, which the courthouse foreclosure auctions do not.



However, most of these REO auctions do take a non-refundable cash deposit from the auction winner, and do add some sort of "buyer's premium" on top of the winning bid -- some as high as 5%. That extra cash can make it tougher to get positive cash flow out of the place.



Get clear on the fine print before you buy at any property auction.



Need-to-know No. 2: Your numbers. Many a wanna-be investor thinks, "Hey -- it's a $50,000 condo. If I get $1,000 in rent -- I'll be making cash hand-over-fist." And there ends their cash flow analysis. Seasoned investors know, though, that there are always more line items to the story. If you're thinking about investing in even the cheapest of cheap condos, you still need to create a written cash flow projection, or pro forma, to see how feasible it is that the investment will actually pay off.



If you plan to finance your investment with a mortgage, you must factor in the mortgage payment, mortgage insurance (if you put less than 20% down), and closing costs. And, even if you are able to buy a cheap condo with cash, you still need to take into account the costs of HOA dues, property taxes, landlord's insurance, any utilities landlords pay in your neck of the woods (like water and gas), a property manager and repairs.



You should also include an allowance for long-term maintenance, possible special assessments by the HOA and vacancies -- every landlord deals with occasional months where no rental payments come in. And you should definitely have a chat with your tax adviser about the deductions you should factor in, and the income tax you may incur on the rental income.



Then, offset that -- on paper -- by the average rents being received by other landlords in the complex or the area. If you're only making $3.75 per month in the projections, you might decide that other investments are more sensible.



Need-to-know No. 3: Whether the HOA and the complex are healthy. Sacramento, Calif., real estate agent Stacey Wilson thought she'd scored, big-time, when she invested in a two-bedroom, two-and-a-half bath condo for $40,000 in September of 2009, especially since the place had gone for $175,000 in 2007. After closing, though, it quickly dawned on Wilson that the complex and the HOA were both broke.



"Take a look around and see whether things are in working order," Wilson advises prospective condo investors. "When things are broken, find out how long they've been broken." Wilson's complex has two pools and a sauna, but "none of them works -- and they haven't worked in years."



Also, Wilson's unit is in an HOA riddled with a sky-high rate of delinquent dues, so it can't afford to repair the pools and sauna, nor does it have the cash to replace the wood shake roofs on all the buildings. "We only have a couple of years of roof life left, and now the hazard insurance company is threatening to drop our coverage, because they see the wood roof as a fire hazard," Wilson explains. "It's really important to read every page of the HOA disclosures you get during escrow, and make sure they're solvent. If the HOA is broke, it can create a domino effect of problems."



Need-to-know No. 4: The landlord-tenant laws and restrictions of your city or HOA. Many urban areas, in particular, have rent-control and eviction-control laws that limit your ability to raise the rent, or to evict a tenant without having a particularly strong reason for doing so -- sometimes even requiring landlords to pay tenants to move out.



And because the percentage of owner-occupied units impacts the ability of an HOA's members to resell and refinance their homes (many banks won't offer mortgages in complexes with fewer than 75% of the units being owner-occupied), many HOAs put a cap on how many units can be rented out. If you're planning to buy the condo as a rental property, it behooves you to know how feasible and how desirable it is to be a landlord in that complex and town before you buy.



Need-to-know No. 5: Where goes the neighborhood. Wilson's foray into dirt-cheap condo investing turned into a true adventure when circumstances led to her moving into the property she thought she'd never live in. Turned out, the nighttime goings-on in her new neighborhood were unlike anything she ever expected from her exclusively daytime experiences in the area. Before investing in a discount condo, Wilson advises, act like someone house hunting for their personal residence, and "go by the place at night and on the weekends. You'd be surprised at how different a place can be at night."



The fact that a condo is so inexpensive might actually be a signal that the neighborhood may not be one you want to spend much time in, even as a landlord. Wilson says, with 20/20 hindsight, "If it's really cheap, it's probably not in the best place."

I think that if you trace HAMP to the source you will find this was an invention of the bureaucrats at the Treasury who fooled both the public (and probably Obama, perhaps the new Secretary) and even the banksters. If you read the implementing instructions it becomes clear this is a maze that few can find an ‘approved’ entry to or exit from. Just the ‘dictionary’ was 136 lines with 10 cells on an Excel spreadsheet (190kb). I was looking at the fifth revision.


HAMP did forestall a few foreclosures, but it took jumping through hoops. Only a small sum went to the service folks and the rules were changed quarterly. On the banks side they wanted it to work as it could put off the loss while it was in HAMP. It was badly implemented because it was like that pea and shell game. I got a headache reading through all the ‘rules’ and categories and realized this lacked a hard and fast rule. It was ‘optional’ for the bank and the borrower.


It is fair to blame the banksters for most of the failure, but the Treasury was most at fault and those folks who created it are the crats who are not swept away with a changed administration. These critters do either retire or seek jobs with those who must figure out the rules.


I’m giving Obama and maybe even Timothy a pass on this one.. they had a lot on the plate and let the crats do the chores. Congress is who I’ll blame.. they should have never raised the lending limits that Fannie and Freddie could provide as that’s what sent this bubble aloft. People have to have jobs that pay enough to pay these loans. They did not and even as we see from this tale.. people have tried and can’t due to a host of issues.. but folks… a $2,600@ payment is only part of home ownership. You need a net income of $10,000@ month to service such a debt. Clearly a lot of folks were to blame.


‘Wanting’ this house is not planning so as to afford it. People acted imprudently and now we’re ALL going to pay and pay and pay. The lawyers and banksters never pay, which is why they need to be REGULATED. That is worth getting angry over. Home ownership was never (after maintenance, taxes and insurance) going to appreciate more than 1-2% a year.. if you maintain and update. The whole idea of buying houses that will eat your income to the extent these folks have was NUTS.


Yes it was also a stall tactic, but that’s not a bad thing given the mess we’re all in. Congress are who we need to rail on. Fannie and Freddy need to go away. Local banking isolated from the ‘products’ is what we need back. They worked and worked with the borrower. Today the investors are detached and suckers too.




Peachtree Heights East by Conrad Lyles Realtors


robert shumake

Official Google Blog: Google <b>News</b> turns eight

Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

Scripting <b>News</b>: What kind of <b>news</b> system...?

And it's not okay that they're making a bid for exclusivity on the role of News System of the Future, and they can't even keep their servers running properly. Either you deliver the benefit of being the sole provider, or sorry (to ...

FileMaker releases FileMaker Go updates for iPhone and iPad <b>...</b>

iLounge news discussing the FileMaker releases FileMaker Go updates for iPhone and iPad. Find more iPad news from leading independent iPod, iPhone, and iPad site.


robert shumake

Official Google Blog: Google <b>News</b> turns eight

Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

Scripting <b>News</b>: What kind of <b>news</b> system...?

And it's not okay that they're making a bid for exclusivity on the role of News System of the Future, and they can't even keep their servers running properly. Either you deliver the benefit of being the sole provider, or sorry (to ...

FileMaker releases FileMaker Go updates for iPhone and iPad <b>...</b>

iLounge news discussing the FileMaker releases FileMaker Go updates for iPhone and iPad. Find more iPad news from leading independent iPod, iPhone, and iPad site.

















Tuesday, September 21, 2010

Making Money Web

This post originally appeared on the American Express OPEN Forum, where Mashable regularly contributes articles about leveraging social media and technology in small business.

Mobile payments are the logical extension of online shopping; a way for customers to buy what you have while they’re on the go. But the technology has some added perks that make it a powerful purchasing tool for small businesses.

There are a lot of resources and articles out there telling businesses to pay attention to location-based networking or to maximize their social media presences, but there is a lack of information on the monetary benefits of these investments. Mobile payments, however, are a great way for businesses to make money.

It should be noted, there are two related fields of mobile payment: First, using your phone as a credit card in-store, and second, paying while on the go. We’ll be focusing largely on the latter.

Below is just a selection of reasons that small businesses should care about mobile payments. Add your voice to the comments below: Is this just another fad? Are mobile payments still years away? Why has North America been so slow to adopt?

It’s Going to be Everywhere/>

We already use our phones for everything: Calling, texting, surfing the web, video chats (thank you, Phone), and updating our social networks. class='blippr-nobr'>Societyclass="blippr-nobr">society, by and large, has grown accustomed to using phones for daily activities. Why shouldn’t instant purchasing be added to that list?

Total worldwide mobile payments stood at USD $68.7 billion in 2009, according to a study from Telecoms Market Research. That number is predicted to rise by more than 800% in the next four years. Simple, DIY credit card processing solutions, like the Complete Credit Card Solution and Square, have already hit the iPhone market, and more services are expected in the future for all platforms.

Social Impulse/>

Phones are inherently social, and advanced functions like geo-location are making it easier for users to connect with others in their networks to share consumption habits and recommendations. Location-based services, for example, enable users to recommend their favorite restaurants, shops and others venues. And group buying sites like Groupon have expanded the possibilities for quick, social purchases.

By adding a mobile payment option, small businesses can capitalize on these peer recommendations with a purchase. Rather than direct your customers to an online shop site or have them note it down for later, they can instantly buy your product.

Mobile payments take advantage of impulse purchases; essentially when you buy something based on spur-of-the-moment decision making. class='blippr-nobr'>Impulseclass="blippr-nobr">Impulse buys are usually associated with emotional reactions to a product. They are partly why ringtone sales have been so successful. Like a tone? You can often download it instantly with just a couple clicks, no secondary sites necessary. Make sure your customers are able to buy your product the instant they want it.

Micro-Transactions/>

The real heart of small business mobile payments is the micro-transaction. Paying less is generally better than paying more. People are also more willing to pay frequent small payments rather than throw down a lump sum. Using ringtones as an example, more people would pay $1 for several ringtones than shell out $5 in one go for five ringtones.

Small business can follow this trend by selling less-expensive goods online, as smaller goods could be a real hit for the mobile payment crowd. Customers can more easily rationalize those smaller purchases and drive more sales to your business.

Another perk for biz owners is that mobile transaction fees are usually less than credit card fees. Sales through mobile could save you a small amount on every purchase.

Customer Data/>

Mobile payments enable merchants to collect data in much the same way as your everyday credit card purchases. Adding mobile payments to your business can help keep track of customer phone numbers, buying histories, and any other necessary information. Having this extra source of data about customers and their purchasing habits will enable you to offer more targeted and relevant deals, discounts and products to specific purchasers.

Collecting data can be a bit tricky, since it gets into privacy rights and issues (e.g., Facebook privacy concerns), so make sure your business is aware of how you can and cannot use customer information.

Regardless of your purposes, whether it be data, profit, or social loyalty, mobile payments are definitely an area for small businesses to watch.

More Business Resources from Mashable:

- HOW TO: Choose the Best Workspace for Your Business/> - 5 Winning Social Media Campaigns to Learn From/> - 10 Emerging Social Platforms and How Businesses Can Use Them/> - 10 Free WordPress Themes for Small Businesses/> - 8 Funding Contests to Kick Start Your Big Idea

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, photo_smart

For more Business coverage:

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






Introduction:



I am a 22 year old gay adult living in Calgary, Alberta Canada. I have a one year technical diploma in Computer Engineering and Web Development. Lately I've had a number of issues in my life that I haven't been able to necessarily ask my family or parents about. So I am hoping I can get your opinion.



Career:



As I mentioned above, I am in the computer industry. Right after I finished my degree I was able to score a job with a fairly great employer. That lasted three months. I quit because the staff where extremely hard to work with on a daily basis. I was teased all the time about my sexuality and although it didn't cross the line as "sexual discrimination" it made the environment way too tense for me. My second job was with a marketing agency as a consultant. It lasted only a month because the company went bankrupt. Since then I've been doing freelancing. I get jobs here and there, basically just enough $ to keep food on the table. I've been applying for jobs for months, and I get interviews but frankly I don't stand a chance because there are so many unemployed "senior people" who are willing to work for my starting wage. I've been to two careers counselors who have not helped me in any kind of way. I'm frankly not sure what to do now. If I go back to college, I'll need to pick an entirely different industry which seems like a huge waste of my degree. Maybe business or marketing. Apparently there are cities that are experiencing growth in my industry but they are far away from where I live. My question is, should I continue to slug it out apply for jobs, move to a new city or go back to school? Also, in your opinion how many years of college is really sufficient to feeling "secure" and making a decent wage in most industry's?



Relationships:



I have trouble meeting boys who meet my criteria locally. By "criteria" I mean, they must be interested in a monogamous relationship because I don't want to get sick and secondly they must be within 5 years of my age and self sufficient enough to be independent. All my relationships have been long-distance.



Drew - I met Drew online two years ago. We instantly "connected" and would talk at-least once a day using video chat because he lived so far away from me. Finally met a year later in person. Things didn't exactly go as planned. We where meeting right as I was finishing college. I basically had to spend *all my money* to see him. He met me in Las Vegas, the trip was planned for a week. I payed for my airfare, hotel ect. He was only able to spend one day / night with me before he had to go back home, to California because of work. That made me upset! but never-the-less the time we had together was something *I do not regret at all*. Fast forward 5 months. He moved to Germany and then back to the states. I really want to see him, but he has no plans for us to "be together", at-least he won't say it to me. That really makes me confused because honestly I love him and I want to be with him. He wants me to fly out to see him again. I'm hesitant, I don't want my heart broken and I don't want to let him go. What do I do?



In the meantime I ended up casually meeting someone else (Garrett) in California and he is kind of like Drew except he actually "wants a relationship" and is more of what I'm looking for. The only downside to Garrett is that he has some anger issues when he gets into complicated situations/problems. This really has no relevance to the situation with Drew but I thought I would mention it for context sake.



I don't mean to seem high on myself or anything but I'm "above average looking" and I do get a lot of dating prospects but like I mentioned its rare for me to ever find anyone really "suitable". Drew or Garrett are probably the closest I'm going to get. Before you say "there's plenty of fish in the sea" let me say that I have dating profiles on all the major websites, get hundreds of messages weekly and do network with most of the gay people in my town. So I feel somewhat justified with that statement. I do want your thoughts though whatever they may me.



Ultimate goals;



For the next questions context - what I want in my life is: (1.) Financial stability. I don't want to worry if I can feed myself or my family and if I can/can't pay my bills. (2.) I want to get out of Canada and live somewhere with no winter. I hate cold and I hate snow. I love the beach, but since I've never really traveled extensively I don't know where this is. (3.) I want a boyfriend who I can trust, and won't leave me for someone more "pretty" when I start to age. I want a real relationship that is friendship first and sexual attraction later. (4.) I want to do good for others using my talents for complex thinking.



Money:



After I graduated college my mom gave me $5000. She is a single parent so that was considered a very generous gift on her behalf. Also, I managed to save $5000 of my own just by being extremely frivolous and not having much of a life. So my bank total is $10 000 at the moment. I want to be very careful with this money, because I feel like its all I have. At the moment, I have a decent car (totally paid off) and no debt. I want to set myself up for the future so I feel secure and can actually have a responsible, healthy life. Given the above information I've provided what should I do with these funds?





Sorry for the length of all this. Thank you for your thoughts! :)

International iPhone rollouts reach far beyond China | iLounge <b>News</b>

iLounge news discussing the International iPhone rollouts reach far beyond China. Find more iPhone news from leading independent iPod, iPhone, and iPad site.

Apple Is Forking The Web » Podcasting <b>News</b>

Audio Podcasting � Corporate Podcasts � Educational Podcasts � How to Podcast � Making Money with Podcasts � Mobile Podcasting � News Podcasts � Podcast Directory Sites � Podcast Distribution � Podcast Hosting � Podcast Quickies ...

Eric Boehlert: Fox <b>News</b> Has a Christine O&#39;Donnell Problem

Why? Because now Fox News has to explain to viewers why O'Donnell is ready to serve in the US Senate even though she's not ready to appear on Fox News Sunday. Awkward.


robert shumake

International iPhone rollouts reach far beyond China | iLounge <b>News</b>

iLounge news discussing the International iPhone rollouts reach far beyond China. Find more iPhone news from leading independent iPod, iPhone, and iPad site.

Apple Is Forking The Web » Podcasting <b>News</b>

Audio Podcasting � Corporate Podcasts � Educational Podcasts � How to Podcast � Making Money with Podcasts � Mobile Podcasting � News Podcasts � Podcast Directory Sites � Podcast Distribution � Podcast Hosting � Podcast Quickies ...

Eric Boehlert: Fox <b>News</b> Has a Christine O&#39;Donnell Problem

Why? Because now Fox News has to explain to viewers why O'Donnell is ready to serve in the US Senate even though she's not ready to appear on Fox News Sunday. Awkward.


This post originally appeared on the American Express OPEN Forum, where Mashable regularly contributes articles about leveraging social media and technology in small business.

Mobile payments are the logical extension of online shopping; a way for customers to buy what you have while they’re on the go. But the technology has some added perks that make it a powerful purchasing tool for small businesses.

There are a lot of resources and articles out there telling businesses to pay attention to location-based networking or to maximize their social media presences, but there is a lack of information on the monetary benefits of these investments. Mobile payments, however, are a great way for businesses to make money.

It should be noted, there are two related fields of mobile payment: First, using your phone as a credit card in-store, and second, paying while on the go. We’ll be focusing largely on the latter.

Below is just a selection of reasons that small businesses should care about mobile payments. Add your voice to the comments below: Is this just another fad? Are mobile payments still years away? Why has North America been so slow to adopt?

It’s Going to be Everywhere/>

We already use our phones for everything: Calling, texting, surfing the web, video chats (thank you, Phone), and updating our social networks. class='blippr-nobr'>Societyclass="blippr-nobr">society, by and large, has grown accustomed to using phones for daily activities. Why shouldn’t instant purchasing be added to that list?

Total worldwide mobile payments stood at USD $68.7 billion in 2009, according to a study from Telecoms Market Research. That number is predicted to rise by more than 800% in the next four years. Simple, DIY credit card processing solutions, like the Complete Credit Card Solution and Square, have already hit the iPhone market, and more services are expected in the future for all platforms.

Social Impulse/>

Phones are inherently social, and advanced functions like geo-location are making it easier for users to connect with others in their networks to share consumption habits and recommendations. Location-based services, for example, enable users to recommend their favorite restaurants, shops and others venues. And group buying sites like Groupon have expanded the possibilities for quick, social purchases.

By adding a mobile payment option, small businesses can capitalize on these peer recommendations with a purchase. Rather than direct your customers to an online shop site or have them note it down for later, they can instantly buy your product.

Mobile payments take advantage of impulse purchases; essentially when you buy something based on spur-of-the-moment decision making. class='blippr-nobr'>Impulseclass="blippr-nobr">Impulse buys are usually associated with emotional reactions to a product. They are partly why ringtone sales have been so successful. Like a tone? You can often download it instantly with just a couple clicks, no secondary sites necessary. Make sure your customers are able to buy your product the instant they want it.

Micro-Transactions/>

The real heart of small business mobile payments is the micro-transaction. Paying less is generally better than paying more. People are also more willing to pay frequent small payments rather than throw down a lump sum. Using ringtones as an example, more people would pay $1 for several ringtones than shell out $5 in one go for five ringtones.

Small business can follow this trend by selling less-expensive goods online, as smaller goods could be a real hit for the mobile payment crowd. Customers can more easily rationalize those smaller purchases and drive more sales to your business.

Another perk for biz owners is that mobile transaction fees are usually less than credit card fees. Sales through mobile could save you a small amount on every purchase.

Customer Data/>

Mobile payments enable merchants to collect data in much the same way as your everyday credit card purchases. Adding mobile payments to your business can help keep track of customer phone numbers, buying histories, and any other necessary information. Having this extra source of data about customers and their purchasing habits will enable you to offer more targeted and relevant deals, discounts and products to specific purchasers.

Collecting data can be a bit tricky, since it gets into privacy rights and issues (e.g., Facebook privacy concerns), so make sure your business is aware of how you can and cannot use customer information.

Regardless of your purposes, whether it be data, profit, or social loyalty, mobile payments are definitely an area for small businesses to watch.

More Business Resources from Mashable:

- HOW TO: Choose the Best Workspace for Your Business/> - 5 Winning Social Media Campaigns to Learn From/> - 10 Emerging Social Platforms and How Businesses Can Use Them/> - 10 Free WordPress Themes for Small Businesses/> - 8 Funding Contests to Kick Start Your Big Idea

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, photo_smart

For more Business coverage:

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






Introduction:



I am a 22 year old gay adult living in Calgary, Alberta Canada. I have a one year technical diploma in Computer Engineering and Web Development. Lately I've had a number of issues in my life that I haven't been able to necessarily ask my family or parents about. So I am hoping I can get your opinion.



Career:



As I mentioned above, I am in the computer industry. Right after I finished my degree I was able to score a job with a fairly great employer. That lasted three months. I quit because the staff where extremely hard to work with on a daily basis. I was teased all the time about my sexuality and although it didn't cross the line as "sexual discrimination" it made the environment way too tense for me. My second job was with a marketing agency as a consultant. It lasted only a month because the company went bankrupt. Since then I've been doing freelancing. I get jobs here and there, basically just enough $ to keep food on the table. I've been applying for jobs for months, and I get interviews but frankly I don't stand a chance because there are so many unemployed "senior people" who are willing to work for my starting wage. I've been to two careers counselors who have not helped me in any kind of way. I'm frankly not sure what to do now. If I go back to college, I'll need to pick an entirely different industry which seems like a huge waste of my degree. Maybe business or marketing. Apparently there are cities that are experiencing growth in my industry but they are far away from where I live. My question is, should I continue to slug it out apply for jobs, move to a new city or go back to school? Also, in your opinion how many years of college is really sufficient to feeling "secure" and making a decent wage in most industry's?



Relationships:



I have trouble meeting boys who meet my criteria locally. By "criteria" I mean, they must be interested in a monogamous relationship because I don't want to get sick and secondly they must be within 5 years of my age and self sufficient enough to be independent. All my relationships have been long-distance.



Drew - I met Drew online two years ago. We instantly "connected" and would talk at-least once a day using video chat because he lived so far away from me. Finally met a year later in person. Things didn't exactly go as planned. We where meeting right as I was finishing college. I basically had to spend *all my money* to see him. He met me in Las Vegas, the trip was planned for a week. I payed for my airfare, hotel ect. He was only able to spend one day / night with me before he had to go back home, to California because of work. That made me upset! but never-the-less the time we had together was something *I do not regret at all*. Fast forward 5 months. He moved to Germany and then back to the states. I really want to see him, but he has no plans for us to "be together", at-least he won't say it to me. That really makes me confused because honestly I love him and I want to be with him. He wants me to fly out to see him again. I'm hesitant, I don't want my heart broken and I don't want to let him go. What do I do?



In the meantime I ended up casually meeting someone else (Garrett) in California and he is kind of like Drew except he actually "wants a relationship" and is more of what I'm looking for. The only downside to Garrett is that he has some anger issues when he gets into complicated situations/problems. This really has no relevance to the situation with Drew but I thought I would mention it for context sake.



I don't mean to seem high on myself or anything but I'm "above average looking" and I do get a lot of dating prospects but like I mentioned its rare for me to ever find anyone really "suitable". Drew or Garrett are probably the closest I'm going to get. Before you say "there's plenty of fish in the sea" let me say that I have dating profiles on all the major websites, get hundreds of messages weekly and do network with most of the gay people in my town. So I feel somewhat justified with that statement. I do want your thoughts though whatever they may me.



Ultimate goals;



For the next questions context - what I want in my life is: (1.) Financial stability. I don't want to worry if I can feed myself or my family and if I can/can't pay my bills. (2.) I want to get out of Canada and live somewhere with no winter. I hate cold and I hate snow. I love the beach, but since I've never really traveled extensively I don't know where this is. (3.) I want a boyfriend who I can trust, and won't leave me for someone more "pretty" when I start to age. I want a real relationship that is friendship first and sexual attraction later. (4.) I want to do good for others using my talents for complex thinking.



Money:



After I graduated college my mom gave me $5000. She is a single parent so that was considered a very generous gift on her behalf. Also, I managed to save $5000 of my own just by being extremely frivolous and not having much of a life. So my bank total is $10 000 at the moment. I want to be very careful with this money, because I feel like its all I have. At the moment, I have a decent car (totally paid off) and no debt. I want to set myself up for the future so I feel secure and can actually have a responsible, healthy life. Given the above information I've provided what should I do with these funds?





Sorry for the length of all this. Thank you for your thoughts! :)

Transmission 5 by lodge28


robert shumake

International iPhone rollouts reach far beyond China | iLounge <b>News</b>

iLounge news discussing the International iPhone rollouts reach far beyond China. Find more iPhone news from leading independent iPod, iPhone, and iPad site.

Apple Is Forking The Web » Podcasting <b>News</b>

Audio Podcasting � Corporate Podcasts � Educational Podcasts � How to Podcast � Making Money with Podcasts � Mobile Podcasting � News Podcasts � Podcast Directory Sites � Podcast Distribution � Podcast Hosting � Podcast Quickies ...

Eric Boehlert: Fox <b>News</b> Has a Christine O&#39;Donnell Problem

Why? Because now Fox News has to explain to viewers why O'Donnell is ready to serve in the US Senate even though she's not ready to appear on Fox News Sunday. Awkward.


robert shumake

International iPhone rollouts reach far beyond China | iLounge <b>News</b>

iLounge news discussing the International iPhone rollouts reach far beyond China. Find more iPhone news from leading independent iPod, iPhone, and iPad site.

Apple Is Forking The Web » Podcasting <b>News</b>

Audio Podcasting � Corporate Podcasts � Educational Podcasts � How to Podcast � Making Money with Podcasts � Mobile Podcasting � News Podcasts � Podcast Directory Sites � Podcast Distribution � Podcast Hosting � Podcast Quickies ...

Eric Boehlert: Fox <b>News</b> Has a Christine O&#39;Donnell Problem

Why? Because now Fox News has to explain to viewers why O'Donnell is ready to serve in the US Senate even though she's not ready to appear on Fox News Sunday. Awkward.