Making Money Scam

In the latest stunner of disclosure in what goes on just below the murky surface of the biggest scam market in the world (that would be the multi-trillion residential debt market), we learn that a Cuyahoga County Juvenile Court judge, Peter Sikora, who is facing foreclosure on his million dollar (8 room) home. But that is not what makes him unique: after all the story of your average American who buys iPads and garter belts with money that should be going into mortgage payments is all too well known by now. What is amazing, however, is that the reason for his 12 month delinquency is that according to JP Morgan, who service the loan, the only way Sikora would be eligible for loan modification would be if he were in delinquency, which is what they advised him to do. That's right - a bank formally told a client to willfully default on a mortgage. Now obviously no institution in its right mind would ever tell a counterparty to stop paying it for a service it is providing. Which begs the question: how is it that there is an opportunity cost for JP Morgan that is lower than a person paying a set mortgage, which involves both the cessation of payments and the lowering of payment rates. If there is any smoking gun that JP Morgan makes up for mortgage delinquency shortfalls by dipping in the GSE piggy bank of infinite taxpayer capital, this is it. And since in the aftermath of Ibanez ever more mortgages are about to see a freeze on their payments, it begs the question: just how profound will the Fannie and Freddie rape this year be, if the GSEs end up having to fund hundreds of billions in capital shortfall for the Too Parasitic To Fail?

We are certain that in any other banana republic, at least some answer to this rather important question would be sought. But not in this particular one...

More from Cleveland.com on the curious case of Peter Sikora.

 

Job Hunter Scams

These types of scams targeting job hunters and attempts to gain access to personal information such as bank account or social security numbers and sometimes even ask for a fee in order to be registered for the job. This is one of the most common type of scams today with more and more people loosing jobs and it is getting difficult to get new jobs.

 

Debt Relief and Settlement Services

These services often charge fees and leave the consumer in even more debt. It is estimated by the Better Business Bureaus that these type of services increased by approximately 30 percent in 2010.

 

 

Work from Home Schemes

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

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

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

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

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

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

CBS <b>News</b> Finds North Korea-Like Approval for SOTU

Yet CBS News ran an "online poll," which is getting plenty of attention, showing that 92% of people "approve of the proposals the president made in his [State of the Union] speech." The polling method used 500 supposedly representative ...

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

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

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

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

CBS <b>News</b> Finds North Korea-Like Approval for SOTU

Yet CBS News ran an "online poll," which is getting plenty of attention, showing that 92% of people "approve of the proposals the president made in his [State of the Union] speech." The polling method used 500 supposedly representative ...

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

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

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

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

CBS <b>News</b> Finds North Korea-Like Approval for SOTU

Yet CBS News ran an "online poll," which is getting plenty of attention, showing that 92% of people "approve of the proposals the president made in his [State of the Union] speech." The polling method used 500 supposedly representative ...

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

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

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

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

CBS <b>News</b> Finds North Korea-Like Approval for SOTU

Yet CBS News ran an "online poll," which is getting plenty of attention, showing that 92% of people "approve of the proposals the president made in his [State of the Union] speech." The polling method used 500 supposedly representative ...

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

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

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

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

CBS <b>News</b> Finds North Korea-Like Approval for SOTU

Yet CBS News ran an "online poll," which is getting plenty of attention, showing that 92% of people "approve of the proposals the president made in his [State of the Union] speech." The polling method used 500 supposedly representative ...

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

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

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

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

CBS <b>News</b> Finds North Korea-Like Approval for SOTU

Yet CBS News ran an "online poll," which is getting plenty of attention, showing that 92% of people "approve of the proposals the president made in his [State of the Union] speech." The polling method used 500 supposedly representative ...

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

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

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Verizon: iPhone Personal Hotspot to run $20 monthly | iLounge <b>News</b>

iLounge news discussing the Verizon: iPhone Personal Hotspot to run $20 monthly. Find more iPhone news from leading independent iPod, iPhone, and iPad site.

Real Estate <b>News</b>: Home Prices Declined in November - Developments <b>...</b>

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Verizon: iPhone Personal Hotspot to run $20 monthly | iLounge <b>News</b>

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Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

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Verizon: iPhone Personal Hotspot to run $20 monthly | iLounge <b>News</b>

iLounge news discussing the Verizon: iPhone Personal Hotspot to run $20 monthly. Find more iPhone news from leading independent iPod, iPhone, and iPad site.

Real Estate <b>News</b>: Home Prices Declined in November - Developments <b>...</b>

Here is a look at real-estate news in today's WSJ:

Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

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Verizon: iPhone Personal Hotspot to run $20 monthly | iLounge <b>News</b>

iLounge news discussing the Verizon: iPhone Personal Hotspot to run $20 monthly. Find more iPhone news from leading independent iPod, iPhone, and iPad site.

Real Estate <b>News</b>: Home Prices Declined in November - Developments <b>...</b>

Here is a look at real-estate news in today's WSJ:

Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

Italian Prime Minister Silvio Berlusconi's future as government leader may not be as solid as it.

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Verizon: iPhone Personal Hotspot to run $20 monthly | iLounge <b>News</b>

iLounge news discussing the Verizon: iPhone Personal Hotspot to run $20 monthly. Find more iPhone news from leading independent iPod, iPhone, and iPad site.

Real Estate <b>News</b>: Home Prices Declined in November - Developments <b>...</b>

Here is a look at real-estate news in today's WSJ:

Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

Italian Prime Minister Silvio Berlusconi's future as government leader may not be as solid as it.

eric seiger

Verizon: iPhone Personal Hotspot to run $20 monthly | iLounge <b>News</b>

iLounge news discussing the Verizon: iPhone Personal Hotspot to run $20 monthly. Find more iPhone news from leading independent iPod, iPhone, and iPad site.

Real Estate <b>News</b>: Home Prices Declined in November - Developments <b>...</b>

Here is a look at real-estate news in today's WSJ:

Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

Italian Prime Minister Silvio Berlusconi's future as government leader may not be as solid as it.

eric seiger
eric seiger

Verizon: iPhone Personal Hotspot to run $20 monthly | iLounge <b>News</b>

iLounge news discussing the Verizon: iPhone Personal Hotspot to run $20 monthly. Find more iPhone news from leading independent iPod, iPhone, and iPad site.

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Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

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LaunchBox Digital, a VC firm specializing in angel, seed, and early stage investments, just wrapped up its third annual 12-week startup mentoring program. Similar to Y Combinator and TechStars, LaunchBox invests seed capital of $20,000 into startup teams and provides them with 12 weeks of education, mentorship, and access to advisers. The following 7 LaunchBox10 companies are graduating from this year’s program and will be going live as part of LaunchBox Demo Day, where the companies will present their businesses to potential investors and strategic partners.

Without further ado, here are the graduates:

CityPockets (Crunchbase profile): Today, we live in the world of the Groupon clone, and thanks to the Google-shunning colossus, “daily deal” websites now litter the Web. These sites have been a big hit among mom and pop shops and small businesses because they can be such an effective way to attract new, local customers. The problem for these merchants, however, has been converting new customers into loyal, repeat visitors. According to LaunchBox, less than 15% of “deal jumpers” return to the same merchant again without another deal offer. On the whole, these merchants struggle to retain the influx of new customers, failing to take the steps to establish that critical, lasting relationship with the consumer.

CityPockets.com is a real-time, self-serve merchant CRM platform that aims to address customer retention issues by allowing merchants to more easily capture user contact info and to offer repeat discounts. In addition, the platform empowers merchants to manage gaps in supply and demand by sending out time-sensitive, limited-quantity offers whenever it makes sense for their businesses. Customers opt-in to follow their favorite merchants via CityPockets’ web and mobile apps.

Businesses interested in being part of the CityPockets Merchant Network can sign up here, and Daily Deal users can sign up at CityPockets.com to access and keep track of all voucher purchases from across popular Daily Deal sites on a single platform, and eventually receive more offers from relevant merchants of their choice.

FiscalPie (Crunchbase profile): FiscalPie breaks down the barrier between personal finance and social networks by providing users with Facebook applications that enable users to compare their finances with others and, in turn, learn how to make more educated financial decisions. One such FiscalPie application, “Retire Where?” shows you which cities you’ll be able to afford in retirement and allows you to compare your it with the future location of your friends.

FiscalPie works to make the myriad sources of financial information on the Web more reflective of your own specific circumstances—while keeping your information private —by creating an anonymous network of people that share similar financial profiles. Until the individual truly becomes part of the conversation, financial information has little significance. FiscalPie is hoping to start that dialog—socially.

HEALTHeME (Crunchbase profile): HEALTHeME delivers treatments that empower those struggling with weight, stress, and mood issues to better manage their health via the web and their mobile phone. The HEALTHeME platform combines clinical treatments and artificial intelligence to create customized behavior modification plans based on users’ lifestyles, health goals, and personality type. HEALTHeME then leverages real-time coaching, social networks and user’s healthcare providers to offer a truly personalized user experience. Would love to see an app for this, too.

Keona Health (Crunchbase profile): Keona Health is a company that optimizes admissions for primary care providers, increasing both productivity and cost savings. Keona’s Patient Decision Support system empowers patients with instant, personalized advice that aims to resolve up to 10% of patient cases at home. Triage nurses review each case, but with the goal of being 5 times faster and with more comprehensive safety checks than before. As a result of the greater emphasis on in-home consultation, when patients need to travel into the office to see a doctor, they should find reduced delays and wait times.

Keona has partnered with UNC and Duke to develop a decision engine that has already analyzed over 1,000 real medical records, and UNC Campus Health Services is acting as Keona’s first beta customer. During 2011, Keona Health plans to expand to several additional universities.

Leaguescape (Crunchbase profile): Leaguescape is a new platform for fantasy sports that combines social gaming and betting and allows you to collect all your fantasy sports leagues in one place. Like the Pokerstars or Full Tilt Poker of fantasy sports, Leaguescape allows fantasy sports enthusiasts to manage and bet on their season leagues and get their daily fix of fantasy sports with a variety of game offerings that enable users to draft, watch, and win on a daily basis.

Drawing on the online poker model, Leaguescape provides all things a fantasy sports bettor could need, including a variety of gaming types, rewards, and promotions.

Slipstream (Crunchbase profile): The likelihood is that your Twitter stream is an unfavorable mix of a few things you care about and a lot you don’t. You don’t want to miss out on important news and events, but you don’t have time to read everything. Slipstream wants to rid your stream of irrelevant Tweets.

Today, Slipstream launched its third prototype, a Chrome extension that lets you hide tweets on Twitter.com. It works seamlessly to help you get rid of things like Foursquare checkins, paper.li mentions, or when people you’re following start live-tweeting events. Gonezo. Simply click the “Hide” link that Slipstream adds to the end of every tweet and begin filtering your stream. It’s that easy.

Spring Metrics (Crunchbase profile): Spring Metrics helps you grow your online business by providing a deeper understanding of your customers and how they interact with your website. Spring Metrics seeks to make complex web analytics more friendly and digestible for marketers and e-commerce professionals who don’t want to wrestle with the complexity of traditional analytics products.

With an easy-to-use interface that requires no coding knowledge, Spring Metrics eliminates the hassle of creating conversion funnels and goals. The company’s real-time dashboard offers an array of conversion-oriented metrics, and the “Insight Engine” unearths actionable patterns in the data—patterns aimed at helping turn more visitors into paying customers.

LaunchBox Digital, a VC firm specializing in angel, seed, and early stage investments, just wrapped up its third annual 12-week startup mentoring program. Similar to Y Combinator and TechStars, LaunchBox invests seed capital of $20,000 into startup teams and provides them with 12 weeks of education, mentorship, and access to advisers. The following 7 LaunchBox10 companies are graduating from this year’s program and will be going live as part of LaunchBox Demo Day, where the companies will present their businesses to potential investors and strategic partners.

Without further ado, here are the graduates:

CityPockets (Crunchbase profile): Today, we live in the world of the Groupon clone, and thanks to the Google-shunning colossus, “daily deal” websites now litter the Web. These sites have been a big hit among mom and pop shops and small businesses because they can be such an effective way to attract new, local customers. The problem for these merchants, however, has been converting new customers into loyal, repeat visitors. According to LaunchBox, less than 15% of “deal jumpers” return to the same merchant again without another deal offer. On the whole, these merchants struggle to retain the influx of new customers, failing to take the steps to establish that critical, lasting relationship with the consumer.

CityPockets.com is a real-time, self-serve merchant CRM platform that aims to address customer retention issues by allowing merchants to more easily capture user contact info and to offer repeat discounts. In addition, the platform empowers merchants to manage gaps in supply and demand by sending out time-sensitive, limited-quantity offers whenever it makes sense for their businesses. Customers opt-in to follow their favorite merchants via CityPockets’ web and mobile apps.

Businesses interested in being part of the CityPockets Merchant Network can sign up here, and Daily Deal users can sign up at CityPockets.com to access and keep track of all voucher purchases from across popular Daily Deal sites on a single platform, and eventually receive more offers from relevant merchants of their choice.

FiscalPie (Crunchbase profile): FiscalPie breaks down the barrier between personal finance and social networks by providing users with Facebook applications that enable users to compare their finances with others and, in turn, learn how to make more educated financial decisions. One such FiscalPie application, “Retire Where?” shows you which cities you’ll be able to afford in retirement and allows you to compare your it with the future location of your friends.

FiscalPie works to make the myriad sources of financial information on the Web more reflective of your own specific circumstances—while keeping your information private —by creating an anonymous network of people that share similar financial profiles. Until the individual truly becomes part of the conversation, financial information has little significance. FiscalPie is hoping to start that dialog—socially.

HEALTHeME (Crunchbase profile): HEALTHeME delivers treatments that empower those struggling with weight, stress, and mood issues to better manage their health via the web and their mobile phone. The HEALTHeME platform combines clinical treatments and artificial intelligence to create customized behavior modification plans based on users’ lifestyles, health goals, and personality type. HEALTHeME then leverages real-time coaching, social networks and user’s healthcare providers to offer a truly personalized user experience. Would love to see an app for this, too.

Keona Health (Crunchbase profile): Keona Health is a company that optimizes admissions for primary care providers, increasing both productivity and cost savings. Keona’s Patient Decision Support system empowers patients with instant, personalized advice that aims to resolve up to 10% of patient cases at home. Triage nurses review each case, but with the goal of being 5 times faster and with more comprehensive safety checks than before. As a result of the greater emphasis on in-home consultation, when patients need to travel into the office to see a doctor, they should find reduced delays and wait times.

Keona has partnered with UNC and Duke to develop a decision engine that has already analyzed over 1,000 real medical records, and UNC Campus Health Services is acting as Keona’s first beta customer. During 2011, Keona Health plans to expand to several additional universities.

Leaguescape (Crunchbase profile): Leaguescape is a new platform for fantasy sports that combines social gaming and betting and allows you to collect all your fantasy sports leagues in one place. Like the Pokerstars or Full Tilt Poker of fantasy sports, Leaguescape allows fantasy sports enthusiasts to manage and bet on their season leagues and get their daily fix of fantasy sports with a variety of game offerings that enable users to draft, watch, and win on a daily basis.

Drawing on the online poker model, Leaguescape provides all things a fantasy sports bettor could need, including a variety of gaming types, rewards, and promotions.

Slipstream (Crunchbase profile): The likelihood is that your Twitter stream is an unfavorable mix of a few things you care about and a lot you don’t. You don’t want to miss out on important news and events, but you don’t have time to read everything. Slipstream wants to rid your stream of irrelevant Tweets.

Today, Slipstream launched its third prototype, a Chrome extension that lets you hide tweets on Twitter.com. It works seamlessly to help you get rid of things like Foursquare checkins, paper.li mentions, or when people you’re following start live-tweeting events. Gonezo. Simply click the “Hide” link that Slipstream adds to the end of every tweet and begin filtering your stream. It’s that easy.

Spring Metrics (Crunchbase profile): Spring Metrics helps you grow your online business by providing a deeper understanding of your customers and how they interact with your website. Spring Metrics seeks to make complex web analytics more friendly and digestible for marketers and e-commerce professionals who don’t want to wrestle with the complexity of traditional analytics products.

With an easy-to-use interface that requires no coding knowledge, Spring Metrics eliminates the hassle of creating conversion funnels and goals. The company’s real-time dashboard offers an array of conversion-oriented metrics, and the “Insight Engine” unearths actionable patterns in the data—patterns aimed at helping turn more visitors into paying customers.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

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Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

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DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

4 Detroit Police Officers Shot; Gunman Dead - Detroit Local <b>News</b> <b>...</b>

DETROIT -- Four Detroit police officers, including a commander, were shot Sunday afternoon inside a station in the department's Northwest District. Monday, January 24, 2011.

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John Rubino at Dollar Collapse.com obviously thinks, like I do, that inflation is a Terrible, Terrible Thing (TTT).

To prove it, and to simultaneously prove to my wife, kids, relatives, co-workers and neighbors that I am not the “weirdest man who ever lived” as concerns inflation, I call him up on the phone!

A man whom I assume is Mr. Rubino answers, “Hello?” and I say, “John! John, old buddy, old pal! This is Mogambo, calling to verify that you are scared out of your freaking mind about how inflation is rising all around the world because central banks, similarly all around the world, are creating more and more money, which causes inflation in prices, which is made worse for foreigners by us dumbass Americans having a trade deficit of over $600 billion a year, equaling a third of combined global trade deficits, which means that we are buying actual things from foreigners and exporting $600 billion dollars overseas, increasing their money supplies and thus increasing their inflation in prices, meaning that we should be buying gold and silver with fevered abandon, and how the usual reaction to impending starvation by the masses is such that we should be building fortresses in our backyards, bristling with guns and cannons, and maybe some of those cool Agent 007 James Bond devices like, you know, smoke screens, ejector seats, laser beams, and heat-seeking rockets, because (my voice rising to crescendo) We’re Freaking Doomed (WFD) thanks to the foul Federal Reserve creating so, so, so much freaking much money that it boggles the mind (‘boing!’) to even contemplate a Quantitative Easing II to effect an increase in the US money supply (to monetize government debt, no less!) of a whopping $600 billion in the next six months, of which half will end up overseas in the accounts of foreigners thanks to the trade deficit, who will use the money to buy US assets, thus repatriating the cash back to the USA to do its inflationary havoc whilst we strangely export the ownership of means of production to what I assume are sinister foreign forces, probably aligned with Illuminati conspirators, New World Order bozos, rogue government agents, extraterrestrial forces, Satan, or something. I mean, who really knows?”

He then replies, tellingly, “What? Who?” whereupon the line abruptly went dead, also proving that the CIA and/or the FBI and/or unknown government agents and/or aliens from outer space are not only tapping my telephone, but doing a poor job of it, too!

Anyway, I think Mr. Rubino’s position is clear when he headlines his recent essay “‘Bring us Sugar!’ US Inflation And the Rest of the World”, with the rest of the essay being about inflation breaking out all over the place!

And if there is one thing that a Junior Mogambo Ranger (JMR) knows, it is to buy gold and silver when inflation is rising, as it is, and will, because the Federal Reserve is creating lots and lots of money, which means, as proved 100% reliable by 4,500 years of history, that inflation in prices is Super Freaking Guaranteed (SFG), and the higher the increase in the money supply, the higher the inflation.

And, by that selfsame 4,500 years, it’s also proved that gold and silver will soar in value as all else Turns To Crap (TTC).

And with that kind of guaranteed and easy decision-making, what can you say except, “Whee! This investing stuff is easy!”?

The Mogambo Guru

for The Daily Reckoning

Economic Ruination from Money Creation to Price Inflation originally appeared in the Daily Reckoning. The Daily Reckoning, offers a uniquely refreshing, perspective on the global economy, investing, gold, stocks and today's markets. Its been called "the most entertaining read of the day."

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Major earthquake strikes southwestern Pakistan – This Just In <b>...</b>

[Updated at 4:47 p.m. ET] An earthquake with a preliminary magnitude of 7.2 struck Wednesday morning in a remote area of southwestern Pakistan, the U.S. Geological Survey reported. The earthquake occurred at 1:23 a.m. (3:23 p.m. ...

Live blog: Apple&#39;s Q1 2011 financials conference call | iLounge <b>News</b>

iLounge news discussing the Live blog: Apple's Q1 2011 financials conference call. Find more Apple news from leading independent iPod, iPhone, and iPad site.

Modernizr <b>News</b>

We're kicking it off with some pretty exciting news right away. First, we've expanded our team to include Alex Sexton. Due to this addition we've also formalized our individual roles in the Modernizr Team, as such: ...

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Software Discounts You Can Get With An .EDU Email Address

You're probably aware that an .EDU address can score you some pretty nice discounts. If you're looking for more ways to save with an .EDU email, a thread at social news site Reddit has some suggestions for some great software discounts.

The thread focuses on places that give free or reduced price software based on your .edu email address. Some of the best responses include a few we've mentioned before, like:

• Amazon offers their premium Prime service free to students for a year


• If your school has an MSNDAA account you can often get many Microsoft programs for free. Windows 7 Professional, Windows Server, Visual Studio and many other software packages are available.


• Autodesk has a student version available for free.


• Prezi offers free accounts to students.

If you're looking for deals beyond software, web site StudentRate offers information on other stellar deals on services like cellphones and other discounts at major retailers. Whatever your choice, there are some great deals to have on software if you are a student. Before any large purchases, make sure to check with the company to see if they offer any academic discounts on programs, you might be pleasantly surprised! Photo courtesy Eflon.

Intuit-owned Mint.com is heading to schools today with the launch of a free, online program designed to educate middle-school students about personal finance and financial management.

Mint has partnered with educational publisher Scholastic to develop materials that parents and teachers can use to teach children the ins and outs of personal finance management. The materials includes lesson plans as well as an interactive game, to teach children money management, budgeting and goals.

For example, the program teaches children the concept of compound interest with real-life math problems, and encourages children to set goals and budgets with their own current work opportunities (i.e. babysitting).

Mint says the curriculum will be expanded to 30,000 classrooms nationwide early next year. Considering the state of the economy and credit, teaching children financial literacy and sounds personal finance practices at an early edge is an incredibly important initiative. In terms of branding, this is a big win for Mint, which can start building awareness of its tools among students at an early age.

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Breaking <b>news</b>: EPA vetoes Spruce Mine permit « Coal Tattoo

This news is devastating to the Southern Coal Fields and our entire state. The Spruce Number One permit was issued years ago after undergoing a comprehensive permitting process. It is hard to understand how the EPA at this late hour ...

Apple, <b>News</b> Corp. Delay &quot;Daily&quot; iPad Newspaper | Peter Kafka <b>...</b>

Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch. The delay is supposed to give Apple ...

Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

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One of the most popular http://www.online reputation management.org/ destinations for tourists traveling to the state of Oregon is the northern coastal areas. From places like Astoria towards Lincoln City, one can find enchanting cities, amazing weather and fantastic views of the Pacific Ocean. For instance, Astoria is situated alongside the online reputation management online cheap Columbia River, which is just a couple of miles away from the Pacific Ocean. Continue reading to discover where you can visit when you chose Oregon golf packages.
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One of the other older courses will be the 9-hole Seaside Greens, which started out in 1923. It is also possible to play on the 9-hole Alderbrook Course, which was designed by Lee Smith and started in 1929. If not you could head south to Agate purchase online reputation management online Beach Golf Course where you will find another 9-hole greens which started out in 1935.

Giffords&#39; Eye Opening <b>News</b> - Political Punch

President Obama's dramatic news at last night's memorial service in Tucson that Rep. Gabrielle Giffords' has just minutes before opened her left eye for the first time since the shooting has created some confusion ...

Black bag found may be tied to Giffords shooting, authorities say

Black bag found may be tied to Giffords shooting, authorities say, TUCSON - Authorities say they have found shooting suspect Jared Loughner's black bag and it contains ammunition and drug store purchases.

Ex-deacon accused of stealing from Catholic church - Chicago <b>...</b>

A Roman Catholic parish in West Chicago that has been beset with bad news in recent months received more on Wednesday. The former deacon and bookkeeper at St. Mary's Parish was charged with stealing more than $315000 from the parish to ...

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The theory is simple: "If you don't have the money, don't charge it. Try to leave your credit card at home and only use it to pay bills," advises April Lewis, director of education for Consolidated Credit Counseling Services. Then immediately pay off your credit-card balance. As for old credit-card debt, sit down and commit to paper a plan for paying them off. Go for a quick hit, like paying off the smallest balance first, or decide to take on the highest rate card first. Get the job done.

Here's a second tip: Be proactive about managing your credit. Call up your lender and ask it to lower your interest rate. Usually, lenders will lower callers' rates by 2% to 3%, says Scott Gamm, founder of HelpSaveMyDollars.com. Also check your credit report. You can check your credit for free at annualcreditreport.com, for example. If you see mistakes, contact the credit agencies and get those mistakes corrected. If errors are dragging down your score, eliminating them can boost it to where it belongs and make you eligible for better rates.

2. Think automation

Free online banking tools can make it easier to manage your finances with less work. To help grow your savings, for example, you can schedule regular transfers from your checking account. Manisha Thakor, author of Get Financially Naked: How to Talk Money With Your Honey, suggests setting up the transfer of a set amount of money into your savings account every pay day.

Also automate recurring bill payments so you never miss a due date or pay a late fee, which sends money down the drain. Even without late fees, timely payments are key: 35% of your credit score is based on your ability to make payments on time. If you sign up for automatic payments, however, make sure to check your monthly bills for errors. One other caveat: "Make sure you have enough cushion in your checking account to avoid any overdrafts" before setting up auto-payments, money coach Lora Sasiela says.The theory is simple: "If you don't have the money, don't charge it. Try to leave your credit card at home and only use it to pay bills," advises April Lewis, director of education for Consolidated Credit Counseling Services. Then immediately pay off your credit-card balance. As for old credit-card debt, sit down and commit to paper a plan for paying them off. Go for a quick hit, like paying off the smallest balance first, or decide to take on the highest rate card first. Get the job done.

Here's a second tip: Be proactive about managing your credit. Call up your lender and ask it to lower your interest rate. Usually, lenders will lower callers' rates by 2% to 3%, says Scott Gamm, founder of HelpSaveMyDollars.com. Also check your credit report. You can check your credit for free at annualcreditreport.com, for example. If you see mistakes, contact the credit agencies and get those mistakes corrected. If errors are dragging down your score, eliminating them can boost it to where it belongs and make you eligible for better rates.

2. Think automation

Free online banking tools can make it easier to manage your finances with less work. To help grow your savings, for example, you can schedule regular transfers from your checking account. Manisha Thakor, author of Get Financially Naked: How to Talk Money With Your Honey, suggests setting up the transfer of a set amount of money into your savings account every pay day.

Also automate recurring bill payments so you never miss a due date or pay a late fee, which sends money down the drain. Even without late fees, timely payments are key: 35% of your credit score is based on your ability to make payments on time. If you sign up for automatic payments, however, make sure to check your monthly bills for errors. One other caveat: "Make sure you have enough cushion in your checking account to avoid any overdrafts" before setting up auto-payments, money coach Lora Sasiela says.
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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

Fox <b>News</b> | Gabrielle Giffords | Sarah Palin | Mediaite

Fox News Hits 'Kill Switch' on Giffords Vigil as Mourner Says 'And I Say to You, Sarah Palin'

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

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Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

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I generally agree with yoru statement, all the tricks the FED did to print hosuing dollars are done now, now people have to bring real money, and that means wages. However I disagree with statement "businesses competing with foreign wages CANNOT pay higher wages to American workers". Businesses overpay their CEOs and upper management all the time (boards are made up of cronies, not directors working in best interest of stockowners) and big US businesses are generally making high profits and have record cash reserves. So businesses CAN afford to pay workers high wages, but rather, they simply WON'T because they do not have to (no laws, unions etc to force them) and the WON'T because unlike the waste of over-priced salaries at high-end of coroporate ladders, business are not so stupid and wasteful and low-end and they keep low and middle workers wages as low as they can or they outsource.

But just so you know in real world there is an alternative ( not one you will ever see in US due to our politics and people assumptions like yours) look at Germany. They are an exporting machine. Their companies are very competitive in world market AND their worker wages and benefits are much higher than US. They have higher horuly salaries, their workers get 6 weeks vacation from get go, etc.. Also, they are fairly heavily regulated, their companies are held to high safety standards, high worker fairness standards, and tough environmental standards and also their companies do a lot with expensive alternative energy.

So in my mind there are at least two ways to for a countries companies to be competitve on world market, China or Germany, the only option is NOT China and depressed wages and weak currency.

Again and again, I see smart people assuming we must just do a China to compete, low wages, weak currency, trash the environment, peel back regulations that keep workers safe and keep work place fair. Its like Germany's example does not enter our consciousness. No way we can have a strong social safety net, treat enviroment well, have a strong currency, pay workers well, regulate businesses to ensure fairness and still compete, pay not attention to Germany.

It may not be easy for US to replicate what is working for Germany, primarily simply because most in US media and culture has it so we don't even know it that at least one coutnry is already proven it is possible, but it is crazy not to at least look at what they are doing and see if maybe we could strive for something closer to them. Germany competes and grows and German workers benefit. Germans model is very good for the common wealth, and yet, all we can fixate on is China.

We see same phenomen in business. There are some companies that are very successful and treat their workers much better than average, while other companies see their only way to success is to treat low end workers as badly as possible and to overcompensate upper management. See simply Costco vs. Sam's club.

Stop self-limiting, we can be a globally competitive country and have a solid middle class and have clean air and water, safe workplaces. But we won't if we let crony upper management of US companies decide everything in their interest, because clearly, sh%^ting on workers and over-compensating themselves and their friends, corrupting our government for their purposes is what they will keep doing unless we fight for something better.

There is a white elephant in the room that no one seems to be talking about. The push for short sales on the part of the lender and in some cases the government is at epic proportions. I agree that in some cases short sale may be the only option, but in most cases, it is not the only option. How on earth will our values stablize any time soon in this environment of a massive short sale campaign and foreclosures that should not happen. Doesn't anybody see that if these continue, our property values will continue to erode, and more foreclosures will ultimately follow, but if more modifications take place our values can begin to stabilize.

From my experience talking to thousands of homeowners there are huge mistakes being made in the processing of their HAMP loan modification or in house loan modification applications. The second that the loan modification is denied, even it was done in error, which most of them are, a letter is sent to the homeowner telling them that a short sale is now one of their only options, other than the foreclosure that is now imminent or a deed in lieu, all options leave them without a home.

The banks are now resorting to offering homeowners money to short sell their home, that is of course if they get the bank's approved price, or better yet if they ever get through the short sale process nightmare. I guess it would be a happy time if people did not care about staying in their homes. Newsflash, it is not a happy time, people do want to stay in their homes. Most can make a reasonable payment with modified terms. People are going through tough times, small businesses are, large corporations are, and even banks are as we have seen the biggest amount bank failures in history.

A question that most homeowners have is why the lender prefers to take a short sale vs helping the homeowner remain in the home, and the answer is obviously about money. Chase and Wells Fargo are even giving away free houses to non-profits, well how nice of them! What about the ghost of the family that lost their home, the ones that were trying for months to get help, why couldn't they help keep them in their homes instead of giving it away for free or at huge discounts to non-profits, the answer again is about money. It always is. Have our values and integrity gone so far down in this country that this all seems acceptable?

What a great PR campaign the big banks have showing that they are providing revitalization to the community by giving away free houses, is this for real? Does anyone see through this? How does this make absolutely any sense that they give houses away and sell them at bargain prices but refuse to work to help homeowners? When you have seen the countless errors that I have seen in a sampling of loan modification processing stories, you would very well see that this is not a happy story, it is an injustice and it is without logic.

With out real controls put in place to monitor and audit the constant inaccuracies that happen on a daily basis to thousands of homeowners, these mistakes will continue to be made and homeowners that could have stayed in their homes will think that short sale was the only option.

People trust their bank is giving them the right answers. Homeowners believe that their lenders have their best interest at heart. I have to think that bank's executive levels are clearly not getting this information, otherwise, I too would have no choice but to strongly believe that they don't have the homeowner's best interest in mind. The lenders do and will continue to make mistakes, big, life changing, costly mistakes for the American homeowners that are losing their homes, some even on Christmas Eve.

For most homeowners that venture into fighting back, it can sometimes take a year or more to get a reasonable person to listen and understand the mistakes, and to get them to finally correct them, however, that is if the homeowner ever reaches that person, and many homeowners do give up long before that happens.

The sad reality is that most homeowners never reach that reasonable person that can fix the mistakes, and they are told, "sorry you are denied, your only option is to short sale your house". The American dream that our forefathers set up for this country is vaporizing right before our very eyes. This epidemic has a domino effect that is very detrimental to the American dream of homeownership.

There are solutions, if someone will listen. Just like hillsides collapse in a mudslide from continuous erosion to the soil as heavy rains undermine the integrity of the hillside, short sales and foreclosures continue to erode the property values of our neighborhoods, and the lack of proper assistance to the backbone of our country, the American homeowners, undermines the integrity of our economy and the collapses will continue.

Until then, to think for yourself you MUST question authority. Fight for your dreams by being your own best advocate. Get empowered with the right information. Be more knowledgeable then them. When you know your numbers the way the bank sees them, then you can be confident about your loan modification application, and you can fight with determination and resolve to Save Your Home!

Anna Cuevas is an invited blogger on The Huffington Post, author of several soon to be published books including "Fight for Your Dreams" with Bestselling author, Les Brown. Anna is the Founder of www.askaloanmodguru.com a blog dedicated to empowering homeowners with free information they need to confidently apply for a loan modification and also providing the latest Do It Yourself Loan Modification tools to Save Your Home. Request your free copy of "Dirty Little Loan Modification Secrets You Must Know" along with free bonus materials that take the guess work out of the loan modification process to stop your foreclosure dead in it's tracks.

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