Friday, July 30, 2010

manage personal finances


penis enlargement

Small <b>News</b> - Gadgetwise Blog - NYTimes.com

SanDisk has a new flash drive that's the size of a paper clip.

Small Business <b>News</b>: We Need You | Small Business <b>News</b>, Tips <b>...</b>

We need you, small business owners and entrepreneurs. To start new businesses and create new jobs. To drag us out of this long recession and into new prosperity.

<b>News</b> Quiz | July 30, 2010 - The Learning Network Blog - NYTimes.com

See what you know about the news of the day. ... A 'View' of Obama. 6 Q's About the News | Why do you think the president decided to appear on "The View"? A guest post by our college intern, Carrie Montgomery. July 30 ...



Credit Union Brochure  by inkdphotos


internet marketing course

Small <b>News</b> - Gadgetwise Blog - NYTimes.com

SanDisk has a new flash drive that's the size of a paper clip.

Small Business <b>News</b>: We Need You | Small Business <b>News</b>, Tips <b>...</b>

We need you, small business owners and entrepreneurs. To start new businesses and create new jobs. To drag us out of this long recession and into new prosperity.

<b>News</b> Quiz | July 30, 2010 - The Learning Network Blog - NYTimes.com

See what you know about the news of the day. ... A 'View' of Obama. 6 Q's About the News | Why do you think the president decided to appear on "The View"? A guest post by our college intern, Carrie Montgomery. July 30 ...


big white booty

Credit Union Brochure  by inkdphotos































Tuesday, July 27, 2010

foreclosure investing




















That's so this year. What's that? Silly Bandz? Twilight? As Mark Cuban writes on his blog, "Location check in is so 2010." Cuban explains that he just invested in a company that, through video footage, determines how many people are in a given area at a time, ostensibly for security and traffic-pattern analysis. For now anonymity is given to crowd members, but Cuban wonders if adding facial recognition software would allow locations to forego checkin applications because "we would already know you are there." Sound a little like Minority Report? TechCrunch thinks so. "It sounds like a future we're inevitably headed toward."


Behind the scenes at Gilt Groupe. In an interview with the Wall Street Journal, Alexis Maybank shares the story of how she and co-founder Alexandra Wilkis Wilson built Gilt Groupe, the online flash sales site for men's and women's luxury fashions. The company, founded in 2007, reported $170 million in revenue last year and now boasts three million members who shop for designer brands at up to 70 percent off retail prices. Maybank talks about the challenges of getting the word out there, signing up initial designers, and raising VC as a woman. She explains to the Journal that "it's an old boy's network, and that's intimidating for a lot of women. So when explaining fashion to a bunch of men in khaki pants and blue button-down shirts, their response was always 'Oh, let me see if my wife thinks if this is a good idea.' But it worked."


Our annual 30 Under 30 list. They're running innovative companies, they're building communities, they're setting trends, they're giving back--and they're all under 30. Here's this year's winners, from Sprouter, to Agile Sports, to The Man Registry. Did we miss anyone? Let us know in the comments.


Foursquare is prowling for a partnership. Yet another 30 Under 30 winner is making headlines this morning as it attempts to snag a whale of a partnership. Foursquare, the game/ social network that recently raised $20 million in Series B funding, claims it is in talks with Google, Yahoo and Microsoft about deals involving their location-based data (via GigaOM). While the novelty of being the mayor of your local mall might gradually wear off it can still be a useful tool to make money for your business. Also, this type of partnership is what catapulted Twitter to profitability.


Facebook's co-founder on the Facebook movie. When you're trying to revolutionize social networking while you're still at Harvard, you're probably not thinking about how Aaron Sorkin might portray your life in a feature film six years hence. In SocialBeat, Facebook co-founder Dustin Moskovitz, gives his take on the silver screen adaptation. In short: it overplays the sex and booze. "It is interesting to see my past rewritten in a way that emphasizes things that didn't matter . . Other than that, it's just cool to see a dramatization of history. A lot of exciting things happened in 2004, but mostly we just worked a lot and stressed out about things; the version in the trailer seems a lot more exciting, so I'm just going to chose to remember that we drank ourselves silly and had a lot of sex with coeds," writes Moskovitz, who is currently working on a productivity startup Asana, backed by Benchmark Capital and Andreessen Horowitz. As for Zuckerberg, he adds, "At the end of the day, they cannot help but portray him as the driven, forward-thinking genius that he is."


What financial reform means for angel investing. In a guest post at VentureBeat, Scott Walker, CEO of a law firm that specializes in entrepreneur representation, breaks down the impact of the financial regulation bill on angel investing. The verdict: it's a mix of good and bad.  


Renting a room to save a home. Today's BusinessWeek explains how San Francisco-based startup AirBnB is helping homeowners escape foreclosure. The site allows people from 142 countries to rent out empty rooms and pull in a little extra income. One New Yorker tells BusinessWeek, "This has been our stimulus package...we were going to lose our house." Founders Brian Chesky and Joe Gebbia say they got the idea for the company when they were cash-strapped, themselves. After renting out space in their own home, they decided to turn the idea into a business, enlisting the help of their friend Nathan Blecharczyk. All three founders made it onto our 30 under 30 list this year, having seen a tremendous amount of growth since the site launched just two years ago.


More from Inc. Magazine:


Get this delivered to your inbox. Or get it on the Kindle


Follow us on Twitter or Tumblr.


Friend us on Facebook.


Apply now for the 2010 Inc. 500|5000.













Hard to say who the worst member of Congress is. But there are few short lists that would exclude narrow-minded and extremist Minnesota religious fanatic Michele Bachmann. However, today isn't about Bachmann. You want Bachmann, you go to DumpBachmann; no one does it better. At the time of the 2008 election, Bachmann was just as odious as she is today. Blue America didn't get involved in that race though because her opponent simply seemed... "better than Bachmann." That standard is too low for us.


And today we're going to meet state Senator Tarryl Clark (below in the comments section), a hard working leader with a proven track record who would be a great candidate whether she were running against Michele Bachmann, or just some garden variety Republican.


People say this suburban/exurban district mostly north of the Twin Cities is too red for a Democrat. But that isn't true. Bush won it in 2004 with 57% and 4 years later McCain took 53% but, the district has also voted to elect Amy Klobuchar to the Senate-- and against Mark Kennedy, the kook who represented the district before Bachmann. And in the 15th senatorial district near St Cloud, the part Tarryl represents-- and which was a GOP bastion before she came along-- the vote totals in that 2006 race were very interesting. Because she knows what it means to work hard and work smart, and with a very committed Wellstone-style of campaigning, Tarryl outpolled everyone on the ballot:


Clark 15581 (56.30%)

Klobuchar 14980 (53.45%)

Pawlenty 14307 (51.1%)

Wetterling 13082 (46.81%)

Bachmann 12542 (44.88%)


MN-06 has the most devastating unemployment rate in Minnesota and the worst foreclosure crisis in the state. But Bachmann has neither understood nor been sympathetic to her constituents finding themselves in a jam because of the vicissitudes of an economy buffeted by disastrous conservative ideological experimentation. She has not only not contributed to finding solutions to these very real problems, she has tried to capitalize of politicizing them.


Tarryl's reaction, as a state legislator, has been the exact opposite. Instead of running around the country and ranting and raving at tea parties, she proven herself an effective leader for the people she represents, working to secure the funds to upgrade the facilities at Saint Cloud State University, working to ensure Central Minnesota’s nursing homes are paid fairly, working to establish a special law enforcement unit to fight gang activities in Central Minnesota.


Tarryl’s been a champion for issues including early childhood and higher education, health care, serving veterans, protecting Minnesotans from predatory lenders, and investing in the local communities that make America strong. Because of that her colleagues elected her to serve as the Senate’s Assistant Majority Leader. Bachmann's colleagues have recognized her as a clown and have tasked her with going on Fox to stir up divisiveness and animosities.


Tarryl’s record of results on reducing unemployment:


• Created 22,000 jobs with last session’s bonding bill


• Helped small businesses add new jobs with Angel Investor Tax Credits


• Authored the Central Minnesota Bioscience Initiative to bring jobs in the biotech industry into the 6th district


• Authored economic development bill that improved workforce development (job training) and expanded the Small Business Growth Acceleration Program, and entrepreneur and small business development grants.


Tarryl’s record of results on reducing foreclosure:


• Authored legislation to protect seniors from predatory lenders and reverse mortgages


• Helped families in keep their homes with the MN Subprime Borrowers Relief Act


• Authored legislation to reduce the burden of property taxes on middle class families


Tarryl is the newest member of the Blue America family. If you can volunteer for her campaign, there's a sign up form here and if you can help the campaign financially, she's on the Blue America endorsed candidates list.



penis enlargement

Sony unveils 24mm F2, 35mm F1.8 and 85mm F2.8 Alpha lenses <b>...</b>

Sony unveils 24mm F2, 35mm F1.8 and 85mm F2.8 Alpha lenses: Sony has released three prime lenses for its Alpha SLR system. First up is the eagerly-awaited Carl Zeiss Distagon T* 24mm F2 SSM, which we saw in prototype form at PMA.

Econbrowser: More disappointing <b>news</b>

More disappointing news. Just a quick note on a couple of new data releases today. The Chicago Fed National Activity Index aims to summarize in a single number 85 separate measures of real economic activity that are now available for ...

Fwix Aggregates Hyper-Local <b>News</b> for Nearby and Relevant Stories

Fwix is a news aggregation service focused on dishing the dirt on hyper-local news stories to help you stay on top of what's happening right in your backyard. Fwix is available both in the US and select countries abroad.



Annetta Powell Cash in on Foreclosures by annettapowell


internet marketing course

Sony unveils 24mm F2, 35mm F1.8 and 85mm F2.8 Alpha lenses <b>...</b>

Sony unveils 24mm F2, 35mm F1.8 and 85mm F2.8 Alpha lenses: Sony has released three prime lenses for its Alpha SLR system. First up is the eagerly-awaited Carl Zeiss Distagon T* 24mm F2 SSM, which we saw in prototype form at PMA.

Econbrowser: More disappointing <b>news</b>

More disappointing news. Just a quick note on a couple of new data releases today. The Chicago Fed National Activity Index aims to summarize in a single number 85 separate measures of real economic activity that are now available for ...

Fwix Aggregates Hyper-Local <b>News</b> for Nearby and Relevant Stories

Fwix is a news aggregation service focused on dishing the dirt on hyper-local news stories to help you stay on top of what's happening right in your backyard. Fwix is available both in the US and select countries abroad.


big white booty

Annetta Powell Cash in on Foreclosures by annettapowell


Monday, July 26, 2010

web internet marketing









Top Stories of the Week




  • Who Needs Java? Probably Not You

  • How to Jailbreak iOS 4.0 for iPhone 3G

  • Jailbreaking iOS 4.0? How To Keep a Jailbreak For iPhone 3G or 3GS

  • OpenDNS Launches FamilyShield, Free Parental Controls Service for Web

  • New iPhone Software Arrives Today - Can You Run it?


More coverage and analysis from ReadWriteWeb




Real-Time Web



  • How Twitter Annotations Could Bring the Real-Time and Semantic Web Together

  • Online Language Learning Company Babbel Adds Voice Recognition Tool

  • Mapping the Oil Spill in Real Time


More Real-Time Web coverage. Don't miss the next wave of opportunity on the Web supported by real-time technology! Get ReadWriteWeb's report, The Real-Time Web and its Future.



Augmented Reality




  • Can Augmented Reality Help Save the Planet?


More Augmented Reality coverage




Augmented Reality for Marketers and Developers: Our Newest Research Report


We're pleased to announce ReadWriteWeb's latest premium report, Augmented Reality for Marketers and Developers: Analysis of the Leaders, the Challenges and the Future. This report will help you develop a sophisticated understanding of Augmented Reality (AR), the mobile and Web technology that places data on top of a user's view of the physical world. The research included will help you decrease your AR development time to market by learning from the first wave of early adopters. AR offers a new marketing and product paradigm for a high impact, high value customer experience. More than 1,000 AR campaigns were kicked-off last year and we expect to see many more in 2010. In this report, we profile key AR development companies, their campaigns as well as development lessons learned. For more information or to buy the report, visit here.



Mobile Web



  • iPhone 4: Your Burning Questions Answered

  • Google Activates Android "Kill Switch," Zaps Useless Apps

  • Developers Betting on Android for Long-Term Success, Says Surveyy


More Mobile Web coverage




Internet of Things




  • Google, GE & Others Prototype Wireless Mote to Connect Any Device to Smart Grid

  • The Internet IS a Series of Tubes: Real-Time Mapping of the London Underground


More Internet of Things coverage




Check Out The ReadWriteWeb iPhone App


We recently launched the official ReadWriteWeb iPhone app. As well as enabling you to read ReadWriteWeb while on the go or lying on the couch, we've made it easy to share ReadWriteWeb posts directly from your iPhone, on Twitter and Facebook. You can also follow the RWW team on Twitter, directly from the app. We invite you to download it now from iTunes.





ReadWriteStart


Our channel ReadWriteStart, sponsored by Microsoft BizSpark, is dedicated to profiling startups and entrepreneurs.




  • Is Venture Capital Broken?

  • Posterous and Ambition: A Lesson for Startups?

  • Delicious Founder, AOL Exec Launch Hacker Angels




ReadWriteCloud


Our channel ReadWriteCloud, sponsored by VMware and Intel, is dedicated to Virtualization and Cloud Computing.



  • Oxygen: A Desktop Network Connected to the Cloud

  • Architects of Amazon Web Services Launch Nimbula, Promise an OS for the Cloud

  • Weekly Poll: Is Salesforce.com Chatter Really That Unique? Does it Matter?



ReadWriteEnterprise


Our channel ReadWriteEnterprise is devoted to 'enterprise 2.0' and using social software inside organizations.



  • Antivirus Product Testing is Changing, Whether Vendors Like it or Not

  • 3 Up-and-Coming Collaboration Suites

  • Google Apps Now Supports Multiple Domains



Enjoy your weekend everyone.



Subscribe to Weekly Wrap-up


You can subscribe to the Weekly Wrap-up by RSS or by email below.



RWW Weekly Wrap-up Email Subscription form:









We know, it’s summer in some parts of the world — you don’t want to stay indoors all day everyday. Well don’t worry, even if you missed some of Mashable’s social media resources while out frolicking we’ve got another great list of resources from the past week to get you all caught up.

Below you’ll find our weekly power-guide to the best social media resources this side of the ‘Net. This edition includes a ton of business resources for the social-media-savvy entrepreneur and even some quirky facts (LOL used to mean “Little Old Lady”?). Whatever your passion, dig in and enjoy.

Social Media/>

  • 10 Cool Facebook Status Tips and Tricks/> Here are 10 how-to tips to help you get the most out of your Facebook status update, from features to apps, Easter eggs, jokes and more.
  • 13 Internet Slangs with Unexpected Alternate Meanings/> We’ve collected 13 internet slangs and acronyms with unexpected alternative meanings, ranging from downright unpredictable to hilariously ironic. ROFL!
  • 5 Handy YouTube Channels for DIY and Home Improvement/> You know you are Mr/Ms Fix It waiting to happen. These five class='blippr-nobr'>YouTubeclass="blippr-nobr">YouTube channels will guide you on your home improvement quest.
  • 5 Ways Social Media Helps Promote Good Health/> Getting healthy and staying healthy can be tricky on your own. Social media is providing new ways to build healthy communities and find cures.
  • How You Can Do Good with Small Actions: Try Bolder/> It’s easier than ever to do good using social media. Bolder helps motivate businesses and brands to donate and create change.
  • Musicians Can Help Each Other Get Famous with New Site/> Headliner is a real-time social media recommendation exchange for artists and bands.
  • How Rdio Makes Your Music Mix Social/> Rdio is a new way to share and discover great music. We break down the features and offer you some free invites to try it out.
  • 6 Crucial Social Media Tips for Traditional Media/> Now more than ever, traditional media outlets are embracing social media for generating story ledes, increasing site traffic and creating conversation with readers.

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

Tech & Mobile/>

  • HOW TO: Optimize Your Mobile Site Across Multiple Platforms/> One of the most difficult aspects of designing for the mobile web is making your site compatible and accessible across different devices. Read on for tips to minimize that problem.
  • 10 Tools for Distributed Developer Teams/> Now that we don’t all have to be in the same room to fiddle around with punch cards, the era of online connectivity is allowing for unprecedented freedom in how, where and when we work. Here are 10 tools for distributed developer teams.
  • 10 Free Wireframing Tools for Designers/> Wireframing is a crucial step in web design as it allows for rapid prototyping and helps to pinpoint potential problems early in the process. Here are 10 free wireframing tools.
  • How Hollywood Is Finally Cashing in on Web Video/> Hollywood has woken up and realized there is money to be made in web video. Many celebs are teaming up with advertisers to bring viewers sponsored and branded content.
  • How Non-Profits Can Maximize a Foursquare Account/> class='blippr-nobr'>Foursquare’sclass="blippr-nobr">Foursquare location-based network offers a unique brand of customer loyalty that can help non-profits connect with and expand their audience.

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

Business/>

  • HOW TO: Optimize Your Site for Search Engine Marketing/> While social media may have the media’s attention, search still trumps all when it comes to driving traffic and being discovered by potential new customers.
  • 5 Non-Profit iPhone Apps You Should Know About/> The ‘net is going mobile, and non-profits are joining in with branded apps to reach supporters, raise money, and deliver their missions in new and innovative ways.
  • 12 Clever Social Media-Friendly Business Cards/> While virtual business cards are becoming a viable alternative to paper cards, there is still a huge demand for traditional business cards. Here are 12 biz cards that integrate social media.
  • Keep Track of Business Contacts Anywhere on the Web/> Noteleaf helps you remember the people you meet. Easily take notes about people and keep in touch using follow-up reminders.
  • HOW TO: Use Game Mechanics to Power Your Business/> Gaming incentives are a great way to make your business model “sticky,” but implementing them effectively can be a challenge. These four tips can help.
  • How Real-Time Data is Changing Business Optimization/> Business owners want to stay on top of their analytics. Real-time data could offer new opportunities to learn and improve your company’s performance online.
  • 5 Tips for Managing Your Company’s Brand on the Web/> An inside look at the strategies of industry leaders who’ve spent years figuring out how to implement practical management practices into their daily work routines.
  • Why You Should Be Your Own Toughest Competitor/> Success requires constant reinvention and evolution. By being your own toughest competitor, you are always improving your product and company.
  • 5 Online Tools for Answering Your Small Business Questions/> Here are a five online tools for connecting with experts who may have answers to your small business questions.
  • Why Complaining Customers Can Be Good For Your Business/> Normally we don’t want customers to complain, but sometimes an unhappy customer can improve your business and be a smart way to succeed.

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

[Image Credit: Nitin Garg]

For more Social Media coverage:

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

how to lose weight fast

Novoflex releases Nikon G to Canon EOS mount adapters: Digital <b>...</b>

Novoflex releases Nikon G to Canon EOS mount adapters: Novoflex has announced the EOS/NIK-NT lens adapter for using Nikon F mount lenses without aperture rings on Canon EOS bodies. The -NT version differs from the existing EOS/NIK ...

Small Business <b>News</b>: Getting Things Right | Small Business <b>News</b> <b>...</b>

Marketer Mark Brimm hates when gurus tell entrepreneurs and other marketers they're doing it wrong. Though there are certainly right ways and wrong ways to.

The Informative Spain <b>News</b> | The Ustur

Spain is a beautiful place comprising of many important cities and places. The climate is very differentiating. The major climatic differences can be found.



She-Geekiness! Hubspot Girls at Web Marketing Therapy Meeting by webmarketingtherapy.com


























Sunday, July 25, 2010

1 internet marketing














Old Spice’s marketing gimmick—a macho guy played with a wink by Isaiah Mustafa—has reached a crescendo on TV and the Web. Tricia Romano on the evolution of black male sex symbols.


From the moment the Old Spice commercial featuring Isaiah Mustafa aired in February America swooned. Who, we wanted to know, was this dashing, tall, dark and handsome figure with impossible abs, a gleaming smile, and a twinkle in his eyes? (Oh, yes, and riding on a horse. One mustn't forget the horse).


Mustafa quickly became a household face—if not name—as the original commercial eventually racked up 13 million views on YouTube.


He's hot enough to make celebrity lesbian Ellen DeGeneres giggle like a school girl when he visited her set, causing her to beg him to recite his Old Spice lines.





Old Spice Guy Hangs Up His Towel


And this week, on the heels of its second installment in the series (featuring Mustafa swan diving into a jacuzzi and landing on a motorcycle), the company invited people to ask questions of "Old Spice Man" on Twitter which Mustafa answered in 30-second clips on YouTube. The result was an instant viral success—the Old Spice YouTube channel was ranked No. 1 on the website. (At least one person wasn’t impressed: Sockington the cat—who has resisted using his popularity for commercial purposes—threw up his paw: “HELLO @OLDSPICE much interest at your viral marketing campaign at sockington hq/litterbox I AM A CAT WITH 68 TIMES MORE FOLLOWERS discuss.”


Sockington’s dissent aside, the success of the Old Spice commercials hinges not only on the clever, almost absurdist imagery and writing, but on Mustafa and his inherent sex appeal.


The Root argued this week in an essay called, "Why The Old Spice Guy Is Good For Black America" that "the success of the Old Spice Guy ... might actually be a sign that being a black man in America is getting slightly easier." Cord Jefferson points out that not so long ago, the black man's role in advertising was as a scary figure to contrast against the white so-called gentlemen; or more recently, as a subservient figure.


I'll go one further than Jefferson: The Old Spice Guy isn't just good for Black America, Mustafa's place in the pop culture pantheon is good for all of America.


As Farai Chideya, former NPR journalist and host of forthcoming radio show, Pop and Politics Radio, explained to me, "You have certain black actors who could sell things, but they usually did them in these nonsexual ways, like Bill Cosby and Jello. Then you had people who were sexual like Billy Dee Williams, who pitched a brand for a black audience," she said. "This is something new where it's for a mainstream, general mixed-race audience."





Caption: Mustafa filmed video responses to some of his lucky Twitter followers, including actress Alyssa Milano.


The choice of a black man as the desired sex object for a national advertising spot aimed at mainstream America, which is to say white America, is particularly perfect right now. It's hard to say whether Mustafa and Old Spice would have paired up 10 or 20 years ago, unless he was a famous star athlete like O.J. Simpson. One could argue that having a handsome black president has softened a lot of people’s ideas of what’s attractive and sexy—Obama’s shaky polls notwithstanding.


Interestingly, Old Spice had another black spokesman before Mustafa: Terry Crews. The hyperactive ad series featured the ex-NFL linebacker topless and yelling in an intense (and funny) way. Chideya says of Crews: "He's not as handsome as Isaiah, but he's also really funny in a way that's more within the black vernacular." Of Mustafa, she says, "This guy is no doubt black, but he's someone who is the modern, urbane, living-in-a-post-racial-Fort Greene kind of a guy."


While Obama braves the fast-moving political tide (we love him, we are irritated and disappointed with him, we loathe him, we love him again), here is this other stunningly handsome, funny black man on our TV, transcending color lines, with—it should be noted—a Muslim name.





















Old Spice’s marketing gimmick—a macho guy played with a wink by Isaiah Mustafa—has reached a crescendo on TV and the Web. Tricia Romano on the evolution of black male sex symbols.


From the moment the Old Spice commercial featuring Isaiah Mustafa aired in February America swooned. Who, we wanted to know, was this dashing, tall, dark and handsome figure with impossible abs, a gleaming smile, and a twinkle in his eyes? (Oh, yes, and riding on a horse. One mustn't forget the horse).


Mustafa quickly became a household face—if not name—as the original commercial eventually racked up 13 million views on YouTube.


He's hot enough to make celebrity lesbian Ellen DeGeneres giggle like a school girl when he visited her set, causing her to beg him to recite his Old Spice lines.





Old Spice Guy Hangs Up His Towel


And this week, on the heels of its second installment in the series (featuring Mustafa swan diving into a jacuzzi and landing on a motorcycle), the company invited people to ask questions of "Old Spice Man" on Twitter which Mustafa answered in 30-second clips on YouTube. The result was an instant viral success—the Old Spice YouTube channel was ranked No. 1 on the website. (At least one person wasn’t impressed: Sockington the cat—who has resisted using his popularity for commercial purposes—threw up his paw: “HELLO @OLDSPICE much interest at your viral marketing campaign at sockington hq/litterbox I AM A CAT WITH 68 TIMES MORE FOLLOWERS discuss.”


Sockington’s dissent aside, the success of the Old Spice commercials hinges not only on the clever, almost absurdist imagery and writing, but on Mustafa and his inherent sex appeal.


The Root argued this week in an essay called, "Why The Old Spice Guy Is Good For Black America" that "the success of the Old Spice Guy ... might actually be a sign that being a black man in America is getting slightly easier." Cord Jefferson points out that not so long ago, the black man's role in advertising was as a scary figure to contrast against the white so-called gentlemen; or more recently, as a subservient figure.


I'll go one further than Jefferson: The Old Spice Guy isn't just good for Black America, Mustafa's place in the pop culture pantheon is good for all of America.


As Farai Chideya, former NPR journalist and host of forthcoming radio show, Pop and Politics Radio, explained to me, "You have certain black actors who could sell things, but they usually did them in these nonsexual ways, like Bill Cosby and Jello. Then you had people who were sexual like Billy Dee Williams, who pitched a brand for a black audience," she said. "This is something new where it's for a mainstream, general mixed-race audience."





Caption: Mustafa filmed video responses to some of his lucky Twitter followers, including actress Alyssa Milano.


The choice of a black man as the desired sex object for a national advertising spot aimed at mainstream America, which is to say white America, is particularly perfect right now. It's hard to say whether Mustafa and Old Spice would have paired up 10 or 20 years ago, unless he was a famous star athlete like O.J. Simpson. One could argue that having a handsome black president has softened a lot of people’s ideas of what’s attractive and sexy—Obama’s shaky polls notwithstanding.


Interestingly, Old Spice had another black spokesman before Mustafa: Terry Crews. The hyperactive ad series featured the ex-NFL linebacker topless and yelling in an intense (and funny) way. Chideya says of Crews: "He's not as handsome as Isaiah, but he's also really funny in a way that's more within the black vernacular." Of Mustafa, she says, "This guy is no doubt black, but he's someone who is the modern, urbane, living-in-a-post-racial-Fort Greene kind of a guy."


While Obama braves the fast-moving political tide (we love him, we are irritated and disappointed with him, we loathe him, we love him again), here is this other stunningly handsome, funny black man on our TV, transcending color lines, with—it should be noted—a Muslim name.









Today&#39;s SAG National Board Plenary <b>News</b> – Deadline.com

President Howard said, “This is a positive step toward uniting SAG and AFTRA and good news for our members. The creation of a single performers' union is overdue, and I'm pleased to be working with Roberta Reardon, who's been such a ...

<b>News</b> Roundup: Andrea Roth Joins &#39;Blue Bloods,&#39; Katheryn Winnick <b>...</b>

'Rescue Me' star Andrea Roth has joined the cast of CBS's cop drama 'Blue Bloods.' According to Ausiello Files, Roth will replace Wendy Moniz who had.

Arcane Brilliance: <b>News</b> and notes from Cataclysm beta build 12604

Totem Talk: Back to basics � Know Your Lore: The Eternals part three -- the Titans � Arcane Brilliance: News and notes from Cataclysm beta build 12604 � Shifting Perspectives: Recreating balance druids in Cataclysm ...


how to lose weight fast

internet-marketing (1) by MEL197127

























Thursday, July 22, 2010

personal finances help



































EMERSON/GARFIELD – Community Frameworks will continue a series of classes designed to help potential homebuyers better understand credit, personal finances and mortgage lending on Tuesday at its office located at 315 W. Mission Ave.


“Financial Fitness” is a two-session, certificated course and will be from 6 to 8 p.m. The second session will be held next Thursday, 6 to 8 p.m.


Self-help homeownership informational meetings will be July 19 at 6 p.m. On July 27 and July 29, from 6 to 7:30 p.m., first-time homebuyers can take a class on mortgage basics.


The sessions are free and open to the public. Advance registration is required.


To register or for more information call (509) 484-6733, ext. 117, or visit www.community frameworks.org.


Speaker to discuss caregiving


LOGAN – Marty Richards, an author, teacher and long-term care consultant, will present a workshop for caregivers, “Caresharing: Strengthening the Bonds to those Coping with Dementia,” on July 21, from 9 a.m. to 3 p.m. in the Barbieri Moot Court Room at Gonzaga University School of Law, 721 N. Cincinnati St.


Cost for the workshop is $35 for professionals and $15 for all others. A box lunch will be provided during the noon hour.


To register and for more information call (509) 473-3390 or visit www.alz.org/inland northwest. Registration deadline is Wednesday.


The program is presented by the Alzheimer’s Association Inland Northwest Chapter.


Fire Station 99


marks anniversary


SPOKANE COUNTY – Spokane County Fire District 9 will have an open house to celebrate the one-year anniversary of Fire Station 99, 9105 N. Whitehouse St., on Saturday from 1 to 4 p.m.


Attendees will have an opportunity to tour the station, meet the firefighters of Station 99 and enjoy ice cream. Kids can also get their picture taken in a firetruck and say hello to Smokey the Bear.






















Charley Gallay / Getty Images

His once-promising career in tatters, his family and finances ravaged by his drug addiction, former Party of Five star Jeremy London is now claiming he was kidnapped and forced to get high. Jacob Bernstein talks to addiction specialists about what to make of the tale.


The way Jeremy London later told it, it was one of the worst days of his life.


On June 10, while attempting to change a flat tire on his car, he was abducted by three men and taken on a 12-hour joyride, during which he was forced to smoke crack cocaine and distribute drugs and alcohol in a gang-infested part of Palm Springs.


“It’s been an absolute nightmare,” the Party of Five star said in a video statement provided to RadarOnline. “First of all, I want to say [the incident] actually did happen... I thought I was going to die. Thank God I made it out alive.”


He added: “I had a gun put to my head. I had my family threatened. We’re working closely with the Palm Springs Police Department to get the rest of the guys. There’s one guy in custody. There’s two more out there.”


“I think that when people are found with drugs, just as when they’re found with lipstick on their collar, they have all sorts of excuses.”


If he suspected people might be skeptical, that’s because they were.


Indeed, in the rooms of Alcoholics Anonymous, the case has been a source of particular fascination and gallows humor. While to other segments of the population the story has seemed terrifying and bizarre, with recovering addicts there’s been a knowing nod—a remembrance of what it was like to minimize one’s problem and tell outrageous tales to keep from getting caught.


London’s personal history hasn’t exactly helped establish his credibility. He has a long history with substance abuse, and a neighbor recently told reporters that he’d been begging to wash their cars for cash. And London’s twin, Jason, said his brother’s story didn’t “add up.” He urged him to get “psychological help.”


Last week, Radar reported that London had recently lost custody of his child and was being regularly subjected to drug testing. A positive test could have terrible consequences for him. (His spokesman, Dominic Friesen, confirmed that actor is being tested, telling The Daily Beast, “Jeremy is currently undergoing drug testing for his custody case and has passed all thus far.”)


One recovering addict I spoke to had posted a status update on his Facebook page: “Look! It’s the old ‘They kidnapped me and forced me to take cocaine excuse.’ Yawn.” Another said, “I immediately thought of the Six Feet Under episode where the gay guy gets kidnapped and forced to do drugs. Anytime something sounds too much like a television episode, it’s suspect.” A third said, “I’m sorry, but that’s such a lie. I have a friend who told that same story. When she withdrew all the money from her grandmother’s bank account, she claimed she was kidnapped and that they stole it from her. She even said she was raped.”


Plus, this person pointed out, most people who resort to crime because of their drug use don’t want to share their goodies with resistant kidnap victims. “For someone to say they were abducted and forced to do drugs is absolutely ridiculous. Who the f--- is going to force you to do drugs? For what? It makes no sense.”


That skepticism was echoed by three out of three addiction specialists reached by The Daily Beast. Combined, they have more than 60 years’ worth of experience treating drug addicts; all three were listed recently in New York magazine’s recent Best Doctors issue.


In each case, the specialists said they wanted to avoid casting aspersions on a man they hadn’t treated, but that they'd never encountered a person who was forced to consume illicit substances against their will.


“I can’t recall anyone ever being forced to take drugs, though I’m sure in the history of humanity someone has been,” said Kenneth Rosenberg, an addiction psychiatrist in private practice on the Upper East Side and a member of the voluntary faculty at Weill Cornell Medical College.


“People experience peer pressure, but I myself haven’t ever encountered anyone who’s been forced to take drugs,” seconded Marc Galanter, a professor of psychiatry at New York University with a practice on the Upper West Side. “Often you see people in denial that are greatly at variance with reality. It wouldn’t be surprising for someone to make a statement that seems nonsensical.”


Added Carol Weiss of NewYork-Presbyterian Hospital/Weill Cornell, “I think that when people are found with drugs, just as when they’re found with lipstick on their collar, they have all sorts of excuses.”









penis enlargement

Fox <b>News</b> - Shirley Sherrod | Coverage | Myth - Resigned | Mediaite

Many people from MSNBC's Keith Olbermann to Shirley Sherrod herself have implied Fox News was a driving force behind propping up Andrew Breitbart's out-of-context video that forced her to resign. A more correct assessment might be that ...

Small Business <b>News</b>: Social Media, SEO and Marketing | Small <b>...</b>

Small business in the Internet age is still about marketing. In this case much of that marketing takes place online. The tools you will use include social media.

Andy Plesser: BBC Launches U.S. <b>News</b> Site with Video Lifestyle <b>...</b>

In an effort to maximize advertising dollars around the big US market for online news, the BBC has launched a US destination.   The site will be more US-centric, surfacing up more US based coverage.  In the US, ...



  by LauraRaspberry


internet marketing course

Fox <b>News</b> - Shirley Sherrod | Coverage | Myth - Resigned | Mediaite

Many people from MSNBC's Keith Olbermann to Shirley Sherrod herself have implied Fox News was a driving force behind propping up Andrew Breitbart's out-of-context video that forced her to resign. A more correct assessment might be that ...

Small Business <b>News</b>: Social Media, SEO and Marketing | Small <b>...</b>

Small business in the Internet age is still about marketing. In this case much of that marketing takes place online. The tools you will use include social media.

Andy Plesser: BBC Launches U.S. <b>News</b> Site with Video Lifestyle <b>...</b>

In an effort to maximize advertising dollars around the big US market for online news, the BBC has launched a US destination.   The site will be more US-centric, surfacing up more US based coverage.  In the US, ...


big white booty

  by LauraRaspberry































Wednesday, July 21, 2010

personal finance




The Real Damage Calculates the True Cost of a New Purchase on Your Credit Card





Webapp The Real Damage calculates the true price of adding another purchase to a credit card that's already carrying a balance.


The best way to avoid throwing away money on credit card interest is simply to not carry a balance. (A good portion of Lifehacker readers pay off their cards every month.) But if you're in the process of digging out from credit card debt, it can still be tempting to put the occasional purchase on the card, particularly if it's not that expensive. The catch, of course, is that if you take the added interest that accrues on the increased balance of your debt into account, over time that price quickly grows—and that's the dollar amount The Real Damage focuses on.


Plug in the price tag of an item you're interested in, along with the APR, balance, and your current monthly payment on your credit card, and it'll figure out the true damage. Once you've got a more accurate picture of the price, then you can decide if it's worth it.



The social media revolution has given way to a generation of tech-savvy and interconnected young Americans. Youthful social media users share their personal lives online, tweeting and posting everything from their relationship status to their current location to their latest purchases. Yet, when it comes to discussing deeper personal finance issues or seeking personal finance advice online, the majority of young adults typically shy away from the web.



AARP recently conducted a national study of young adults in the 18 to 34 age bracket; 57 percent of respondents said that money (specifically the burden of paying bills and carrying debt) was their primary concern. Facing a recession and a brutal job market, young adults are starting to pay more attention to their financial autonomy and planning, yet only 1 in 10 respondents reported sharing financial information or seeking financial advice through social media.



This is starting to change with the advent of trustworthy, unbiased online personal financial resources -- websites that enable users to monitor their own spending, create short-term and long-term financial plans and get trusted financial advice. In fact, 85 percent of young people who have used social media for personal finance advice have reported that doing so made them feel "more confident" about their finances.



These new financial resources are breaking down the taboo of sharing, discussing and managing personal finance online. Whether you are a tech-savvy, social media guru or someone who spends a limited amount of time on the web, you can very easily leverage the internet to gain a greater understanding of your personal finances in a few short steps.



1. Make the most of online banking to make your life easier and keep your finances organized. Online banking is great because it offers quick, easy, 24-hour access to your checking and savings accounts. Here are three ways to make the most of online banking:



  • Set up direct deposit for your paychecks so your salary (or other form of income) gets transferred directly and securely into your checking account.


  • Set up online bill pay for your monthly bills -- your monthly payments will automatically be transferred from your checking account on a designated date each month. If you are not ready to commit to monthly bill pay or simply want to monitor your bills more closely, you can choose a one-time monthly payment. (*Remember to only set up automatic payments to companies or people you trust)


  • Set up calendar alerts two to three days before your bills are due to remind you to pay on time -- never miss a payment or your credit history will take a hit.


2. Start utilizing trusted and unbiased personal finance sites to learn more about personal finances.

LearnVest and other personal financial sites help you manage and understand your finances through tools, games, discussion pages and often, targeted daily newsletters. Whether you need help figuring out how to open an IRA, pay down credit card debt and student loans or find the right health insurance for you and your family, these sites offer expert, step-by-step advice -- for free. Many of these sites employ financial experts to answer your questions or guide you through a financial issue.



3. Use these websites for financial advice pertaining to family life or career changes.



Whether you are preparing for a baby or changing jobs, these sites will help you understand and navigate your way through these life changes. Learn how to negotiate for a raise, handle a tricky situation with your colleague or boss, and choose the employee benefits that are right for you. While personal finance websites are small in number, most of them include live discussion pages (similar to Facebook or Twitter pages) where you can chat with other users whose financial circumstances are similar to your own. Ask users on the site about techniques they use to give themselves a financial advantage in the workplace or to maintain financial autonomy in their marriage.



4. Use social media to find great discounts and deals.



There are tons of discounts and deals to be found on the web. These range from Twitter-only deals from sites like AmazonMP3, JetBlueCheeps, CheapTweet to Promo Code Websites like RetailMeNot, Coupon Cabin, CouponChief.



The AARP study found that young people feel a pinch on their social budgets -- 69 percent say that they suggest low-budget entertainment options and 57 percent say that they sometimes skip going out with their friends for financial reasons. Use social networking to communicate with friends and share information to come up with fun, budget-friendly things to do.



5. Get online and get (free) help to get out of debt.



Many websites offer step-by-step guides to help you take the right steps to get out of debt. With these online checklists, you'll learn how to get a free credit report online (I recommend using creditkarma.com!) differentiate between good debt and bad debt, and take the necessary steps to pay down your credit card.



While I strongly encourage my readers to take advantage of the internet and social networking platforms to gain a greater understanding of their personal finances, it is extremely important to be safe, smart, and responsible when it comes to sharing, discussing, and managing your finances online. There are many random, unprotected sites online that appear safe to use and are ready to accept credit card information. You wouldn't give a stranger off the street your credit card information, so be extra cautious about who you are sharing it with online. For the most part, never share certain personal financial information, i.e. credit card information or bank account information, unless it is with your bank, or a site that you have confirmed is trusted, secure and password protected.







online stock trading

Panasonic launches Lumix DMC-FZ45 digital superzoom: Digital <b>...</b>

Panasonic launches Lumix DMC-FZ45 digital superzoom: Along with the DMC-FZ100, Panasonic has also announced the Lumix DMC-FZ40 superzoom (FZ45 in Europe). Slotting in where the FZ38/35 left off, it features the same 25-600mm equiv. lens ...

Shirley Sherrod | Media Matters | Fox <b>News</b> - Breitbart | Mediaite

The woman at the center of the Andrew Breitbart/NAACP/Obama Administration/USDA/probably-Journolist-but-who's-keeping-track-at-this-point scandal, Shirley Sherrod, spoke to Media Matters' Joe Strupp today about the experience of going ...

<b>News</b> Outlets Close to Suing Obama Administration Over Gitmo Rules <b>...</b>

For the Times, Post, and a group of other top media outlets, the banning of a veteran reporter from the detention center may have been the last straw.



Liz Pulliam Weston and PT from PTMoney.com by ptmoney






























Tuesday, July 20, 2010

how to budget personal finances



Here’s a timeline of this presentation:



  • The question

  • The expenses side: What would you cut first in order to survive?

  • The income side: How could you double your income next month?


In order to derive any benefit, you’ll need to really adopt the mindset implied in the question. Don’t focus on whether it’s possible, but instead on what would realistically be the first expenses to go and the first steps to replacing the income.


Once you’ve made a list for both sides of the question, you’ll want to review it for any areas that seem realistic, even at your current full income. For example, your first steps may include selling an extra car, canceling an expensive cable package, and slashing your grocery budget in half. In this situation, you’ve likely brainstormed areas of your budget where you aren’t spending as optimally as you may like. You may choose to go ahead and try some of those options out, or at least take steps to narrow the gap between your life at 100% income and your life at 50% income levels.


The same process is important when attempting to make the income back as quickly as possible. Realistic options could include enrolling in a course (applying for aid if needed), launching a side business, and/or picking up new clients or leads. Nearly every time I brainstorm options for doubling my business income, I unearth something I hadn’t thought of before. Acting on these new ideas has helped me tremendously in generating new income (even if it doesn’t immediately double it)!


The next time you’re feeling a bit complacent in your finances, try exploring this simple question. What would be the first expenses you’d cut in order to survive on only half your income? What would be the first steps you’d take if you had to earn it back? I think you’ll be pleasantly surprised by the results of this experiment!











Here’s a timeline of this presentation:



  • The question

  • The expenses side: What would you cut first in order to survive?

  • The income side: How could you double your income next month?


In order to derive any benefit, you’ll need to really adopt the mindset implied in the question. Don’t focus on whether it’s possible, but instead on what would realistically be the first expenses to go and the first steps to replacing the income.


Once you’ve made a list for both sides of the question, you’ll want to review it for any areas that seem realistic, even at your current full income. For example, your first steps may include selling an extra car, canceling an expensive cable package, and slashing your grocery budget in half. In this situation, you’ve likely brainstormed areas of your budget where you aren’t spending as optimally as you may like. You may choose to go ahead and try some of those options out, or at least take steps to narrow the gap between your life at 100% income and your life at 50% income levels.


The same process is important when attempting to make the income back as quickly as possible. Realistic options could include enrolling in a course (applying for aid if needed), launching a side business, and/or picking up new clients or leads. Nearly every time I brainstorm options for doubling my business income, I unearth something I hadn’t thought of before. Acting on these new ideas has helped me tremendously in generating new income (even if it doesn’t immediately double it)!


The next time you’re feeling a bit complacent in your finances, try exploring this simple question. What would be the first expenses you’d cut in order to survive on only half your income? What would be the first steps you’d take if you had to earn it back? I think you’ll be pleasantly surprised by the results of this experiment!










internet marketing course

The most important factor of growing up is learning how to manage our money. Chilton (1998) claims that most of us learn money management from our parents along with their values, beliefs, spending habits, and how much they share and teach us about money. Even though most of us listen to and follow the fundamentals our parents instilled in us, we still develop our own values, beliefs, and habits. As we gain our own ideas, and learn an understanding of personal finance we can develop a plan to benefit from proper financial planning.

Financial planning is an essential element to personal finance by setting up goals and a path to meet your goals creating that personal freedom for those who strive for it. Financial planning consists of budgeting, savings and investing in your future. A strong budget allows managing your money to include savings and investing. The key step in knowing how important savings is in a financial plan is you can go far with out it. Without savings you can't accumulate enough capital to invest, or if something were to happen you may have to cash in valuable investment with a huge loss due to unexpected emergencies.
A financial plan specifies your financial goals and sets a path to achieve those goals. With a good understanding of personal finance you have the ability to make your own financial decisions. A good understanding allows you to judge and give yourself sound financial advice. The whole idea of Chilton's novel, "The Wealthy Barber", is to save money now and live better in the future. By making sound financial decisions you can create wealth for the present and well into your retirement and after.

A few benefits of understanding personal finance are being able to protect your assets and income. If something terrible were to happen to yourself or your spouse, the right planning and the knowledge of having the proper insurance is all you need to protect yourself and your family. Knowing how to invest in stocks, bonds, mutual funds, and real estate can produce a substantial return to benefit you in the future. The right understanding allows you to minimize risk and maximize returns. The proper understanding of how to save and invest can lead to accumulate sufficient money to support yourself after you retire.

A true understanding of personal finance allows us to buy the best house for our family, put our children through college, and retire young enough to enjoy the remainder of lives with our loved ones. Getting a financial advisor without the proper understanding where your money is going can be very dangerous. Your ignorance can lead to someone taking advantage of you and your money, which could cause you to lose your entire nest egg. An understanding of how to manage our money, assets, and investments is our responsibility and we can reap the benefits in the long run. When it comes to personal finances "people are reluctant to discuss personal finances outside the family circle, except with financial advisors-bank managers, solicitors, accountants - whose professional standing provides an assurance of confidentiality." (Aldridge, 1998: pg.8)

Usually one does not talk about savings with their financial advisor, because it's always about what are the best funds or stocks to increase their net present value. It is essential to know how much to save and how to make it work for you. Savings can be viewed as short-term goals or long-term goals. A short-term goal is saving extra money for a short period of time for a major purchase, like a down payment on a house or car, possibly a household renovation. These types of items that you would normally save for minimize your payments or avoid an interest bearing loan. Long-term savings goals are plans to have readily available cash at hand, with no plans on spending it unless of an emergency. It's a long-term savings because you can maintain it until you retire and it continually builds dividends. A common long-term savings goals is an emergency fund that should consist of a minimum six months worth of salaries and if able up to a full years salaries. In addition to an emergency fund a sound financial plan should have money allocated to another savings account on a monthly basis.

Credit management is important because you can't survive without it. It's important to consider you can't buy a house, a car, or get a credit card without some kind of credit history. Credit management begins with your first bank account and doesn't end until you die and in some cases it can out live you. You start to establish history with every dollar you save and spend. Starting off right is the first step to establishing a good credit history. You have to manage your credit by paying your debts on time. The better your credit gets the more creditors want to give you and this can be trouble. Your one credit card turns into five cards, as a result you then have a new car loan, and you're using your credit cards to pay other cards and your car payment.

This is a typical situation with inexperienced people who do not know anything about credit. It's very common for a family to go out for a night on the town and take a credit card. A credit card may carry a fee, and also a risk of theft and forgery, but it is very convenient and the free credit period allows money to be held temporarily in a form earning more than a bank account. (Robinson/McGoun 1998).The convenience and safety of credit cards offer you just can't get with cash. Credit cards are the most used form of credit and have the potential to be misused. If you misuse credit it usually will takes years to recover and you have established a bad credit history. Tyson (2006) recommends that you "get all three of your credit card reports, and be sure each is accurate".

In addition to credit cards you have various types of loans. You have personal loans, car loans, house loans and school loans which all build your credit history. Credit management affects what kind of loan you have available and the terms of the loan. With bad credit, loans have a higher interest rate and they can take longer to pay off. Once you learn good credit management you can use it to your advantage in financial planning. Wisely choosing the best loans and terms of your choice vise the creditors is an advantage. When doing your financial planning, the amount of credit you can afford to have is very important because it can lay the framework to a successful financial future.

Buying a home may be the single biggest investment you will ever make, so the decision should be taken very seriously. As claimed by Chilton (1998) it is said that about ninety percent of the world's millionaires have become millionaires through real estate. (pg. 60) With that said not everyone is ready to buy a house. When it comes down to it the decision is it better to buy a home or rent? In addition Barnes/Jaret (2003) states achieving the "American Dream" has often been associated with living in a thrifty manner, accumulating savings, and subsequently purchasing a home of one's own, which then appreciates in value and becomes a large component of one's personal wealth. When it comes to purchasing a home there are a lot of factors to be considered.

First the larger the down payment the better chance you have of getting the home you want. You need a house to meet your needs and a house you can afford. A house provides security and it represents your own little piece of that "American Dream". Every month that you pay into that a house you can say you own just a little bit more of that dream. With a little luck as the years go by, your house appreciates in value. Once you pay it off or sell you can feel like you made a difference in someone's life, to include your own. A down side of owning a home is you can tie yourself to a location and into a deal that you can't get out of easily. "Patience is always one of the most valuable attributes in investing, and nowhere is that more true then in real estate. It may go down, but it seldom stays there indefinitely." (Chilton pg. 62)

Determining the amount of life insurance is the most important in financial planning because the amount can focus the way you chose insurance. There are two methods of determining how much life insurance is needed. The first income method is a general formula for determining how much insurance based off your income. The income method suggests you multiply your annual income by ten. This is a straight line method that doesn't take into account a single person salary vise a family of four which will require more life insurance. The second method is a budgeting method, which determines your life insurance needs by considering your future budget based on your household's future expected expenses and your current financial situation.

The budgeting method takes into account your annual living expenses, special future expenses, debt, the job marketability of your spouse, and the value of your savings. Robinson (1998) highlights, in budgeting, we treat all sources of income identically and add them up. However, a formal model based on some theory of smoothing lifetime income and consumption would allocate a large part of any windfall into savings rather than expenditures. Once you have established the amount you need for life insurance, you have to consider what kind of life insurance that best suits your needs. When it comes to your financial plan, investing is an intricate part in securing your future. Money management is about short-term and long-term planning, and having a nice size nest egg, as you get closer to retirement.

Chilton (1998) recommends to not throwing all your eggs in one basket. To avoid living pay check-to-pay check, we have to plan and learn to invest in our future. In today's market you have so many choices that you can invest in. Depending on your willingness to take risks and where you want your money will set the basis for you individual investment portfolio. Some of the most common types of investments are IRA's, Stocks, and Bonds; each type of investment has its advantages and disadvantages.

Chilton (1998) recommends indulging in the stock market. Stocks are very popular and can be a risky investment and can produce a larger return or break you over night. A stock is a certificate of partial ownership of a firm. With the Internet, the option of buying stocks is easier than ever and has introduced new opportunities to an individual investor. It uses to be that you had to look for professional help but now it a few clicks away. Stocks are riskier investments but yield higher returns. Common stock is basic stock sometimes giving you rights to vote and elect board members who will run the company. Preferred stock guarantees you to receive dividends over the common stockholders. The downsides to stocks are the price of stocks can drop and you can lose an entire investment.

Another way to make yourself more financial set is to watch your spending as sated by Tyson (2006). Tyson recommends reducing spending in order to become more financially set. Simple ways to avoid spending money are as simple as using public transportation, using regular unleaded gas and servicing your car. Also it is important to avoid buying clothes that require dry cleaning, not indulging in the latest season's fashions and to keep accessories to a bare minimum.

No matter how you decide to save money and invest money, it should be made to fit as part as your financial plan. Both Chilton and Tyson make very good points about spending and saving, what to invest your money into and what not to. I have learned a lot about my personal finances through reading these two books. I found that Chilton's book was more of a story and more personal, then Tyson's to-the-point facts about finance. Out of the two books I think that I learned more from Tyson's, but both were enjoyed. Also both books made me realize that really I am investing in myself and my future.

References:
-Aldridge, Alan (1998) "Habitus and cultural capital in the field of personal finance." University of Nottingham

-Barnes, S & Jaret, C. (2003) Sociological focus The "American Dream" in poor urban neighborhoods: An analysis of home ownership attitudes and behaviors and financial saving behavior. Purdue University and Georgia State University

-Chilton, David. (1998) The Wealthy Barber. Roseville, CA: Prima Publishing.

-Gill, Suveera (2005) An Analysis of defaults of Long-term Rated Debts, Vikalpa volume 30

-Robinson, Chris and McGoun, Elton (1998) The sociology of personal finance. Financial Services Review 7

-Sandlin, Jennifer (2005) Culture, Consumption and Adult Education: Education for adults as a political site using a cultural studies framework. Texas A&M University

-Tyson, Eric. (2006) Personal Finance for Dummies 5th Ed. Hoboken, NJ. Wiley Publishing, Inc.


penis enlargement

Ali Larter Baby <b>News</b>! at The Insider

Ali Larter Baby News! ... Home � News � Videos � Movies � Photos � Celebrities � Obsessions � Games � Congratulations! July Newly Weds � Stars show off Celebrity Entertaining � NEW You Choose Lara's Look � Celebrities On Motorcycles ...

Project Milo back on Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of Project Milo back on. ... Latest Features. Milo & Kate Interview . Milo & Kate Hands On . Milo & Kate Interview . Latest Videos. E3: Project Natal - Milo demo 2 June, 2009. Latest News ...

Hyperlocal <b>News</b> Site Fwix Debuts Local Trend Search

Fwix, a news site that offers a stream of hyperlocal, realtime news by location, is launching a new portal today that aims to give anyone a real time view of what's happening in a location. You can access the new search portal here.


how to lose weight fast




























Monday, July 19, 2010

how to budget personal finances


internet marketing course





Many of us will remember 2009 as the year of change. Unemployment, foreclosures, reduction in payroll, layoffs and a weak economy have affected most of us with our spending habits. With 2010, quickly approaching, it may be time for us to sit down, examine our personal finances, and set goals that may better prepare us for the unknown road ahead. Here are some suggestions to help you map out your financial future.

Reduce Expenses: Without the reduction in debt, it is almost impossible to save money. Most financial advisor's will tell you this is a necessity. Knowing where your money is going each month is the first step. Grab a pad and pencil and start writing down what your expenses are. Look at your credit card statements, bank statements and receipts to tally up items you may not remember. Most people who do this are surprised to see exactly how their income is expensed. After writing down the items examine the ones that are reoccurring. Are these expenses a necessity or luxury item? Buying five dollar coffee is not a necessity, especially when the total amount spent in one month can exceed $100 dollars. If the items are a luxury, see which can be changed or eliminated. If they are a necessity, such as utilities, examine how these items can be reduced.

Eliminate Credit Card Debt: Credit cards are great consumers of your income. Especially if you are paying the minimum balances. With the current economy, many credit card users are finding their interest rates skyrocketing, which in turn, increases the amount of payment due. If you want to know how long it will take to pay off a credit card, go to www.bankrate.com. They offer a credit card calculator. You can enter the information, and based on your minimum payment, it will tell you the length of time for payoff. Make it a goal to eliminate your cards balances, one at a time. For many, that plan may not be achieved in one year, it may take several. But rest assure, once the payments are gone, you will be on the path to financial freedom and available disposable income.

Start Saving: Do you remember when you were a kid and you saved money in a jar? In the beginning, the few coins didn't amount to a lot, but over time, the coins grew and grew into a large enough sum to have real buying power. It is the same with saving. The in ital amount doesn't have to be big, but as the balance grows, so will your desire to see it get even bigger. "Saving" has now become a key word with this new economy. Just two years ago, Americans were spending more than they saved, today the opposite is true. Saving for a unexpected event or retirement, must become part of your personal financial goal for the New Year of 2010.

Create a Budget: In the past, with the convenience of equity lines, refinances and credit cards, most of us didn't give much concern to how much we spent. If we wanted it, we got it. Today, the world is much different. All of us are facing returning back to a budget. When you create a budget, you set a certain dollar amount that is applied to purchases or expenses. This means that before you buy a item, you consider how much you are willing to pay for it. Once this is decided upon, you do not deviate from it. One of easiest ways to help stick to a budget is by only using cash for purchases. The temptation to overspend is more easily eliminated when you know you are depleting your cash supply each time you buy. If needed, there are many great programs and websites that offer budget spreadsheets and advice such as, www.christianpf.com, which offers 10 free budget spreadsheet, or www.docs.google.com.

Delaying Major Purchases: Many people ask me about buying a new car, home, or other expensive items. The answer is that you need to examine whether it makes sense to take on the additional expense. If buying a new car, is being done for no other reason than to update your vehicle, that purchase should be delayed. If your current vehicle needs repairs, it is better to fix the car than to incur a debt of a monthly payment that can last up to 6 years. The purchase may make sense if it is strictly on a cash basis for a amazing deal. With many foreclosures on the market, you may be tempted to jump in and buy a home. Make sure that you have a sustainable down payment. This will help to reduce the monthly payment, making it more affordable. Owning a home comes with more expenses than renting. There are repairs, maintenance, taxes, insurance and those unexpected emergency items. Consider the possibility of these items when looking into the mortgage payment of home ownership. With the uncertainty in the job and housing market, it is important to decide if acquiring debt is a wise decision.

With the New Year of 2010 around the corner, its time to take seriously your personal financial goals and what you want for the future. The goals can be short or long term. By examining your spending habits and expenses, you will become aware of where your hard earned money is going and how to gain a understanding of how it is spent. By taking control of your finances you reduce the stress of dealing with the uncertainty of a volatile economic environment. No one can predict if 2010 will be a better year, but by setting goals and attaining them you can assure yourself, that for you, it will could be.





penis enlargement

Microsoft&#39;s &#39;Back Against The Wall&#39; With New Zune Phone <b>...</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 ...

The American Spectator : <b>News</b> Quiz #3

In this contest, readers are again asked to identify the bogus news item. All four items are "reported" in similar style, from The American Spectator News Service (some minor details have been slightly altered). ...

<b>News</b> Picks From The Weekend: Breaking Records At Facebook, Zynga <b>...</b>

An overview of some of the weekend's ad/tech news not to be missed: watch out for multiple records....


how to lose weight fast




























Friday, July 16, 2010

personal finance books


I met James Montier at a value investment seminar in Italy in 2007 where he presented. We had long discussions later the day and into the evening on value investing and investment strategy.


James was kind enough to put me on his distribution list and I really looked forward to each of his articles as they always taught me something.


Unfortunately James decreased his writings since taking a position with the asset manager GMO in 2010.


I decided to put this resource page together so Eurosharelab visitors can also benefit from James’s investment wisdom.


James Montier’s Amazon Page shows all the books he has authored as well as the following short biography:


James Montier is a member of GMO’s asset allocation team.


Prior to that, he was the co-Head of Global Strategy at Société Générale and has been the top-rated strategist in the annual Thomson Extel survey for most of the last decade.


Montier is the author of four market-leading books:


• The Little Book of Behavioral Investing: How not to be your own worst enemy (Little Book, Big Profits)


• Behavioral Finance: Insights into Irrational Minds and Markets


• Behavioral Investing: A Practitioners Guide to Applying Behavioral Finance


• Value Investing: Tools and Techniques for Intelligent Investment


He is a Visiting Fellow at the University of Durham and a Fellow of the Royal Society of Arts.


2010


In this May 2010 article called I Want to Break Free, or, Strategic Asset Allocation does not equal Static Asset Allocation James Montier talks about in the beginning investing was a simpler and happier.


The essence of investment was to seek out value; to buy what was cheap with a margin of safety. Investors could move up and down the capital structure (from bonds to equities) as they saw fit. If nothing fit the criteria for investing, then cash was the default option.


But that changed with the rise of modern portfolio theory and, not coincidentally, the rise of “professional investment managers” and consultants.


In March 2010 Miguel Barbosa in his Simolean Sense blog interviewed James Montier about his book Value Investing: Tools & Techniques For Intelligent Investing.


In the second part of the interview Miguel talks to James about his other book The Little Book of Behavioral Investing – How Not To Be Your Own Worst Enemy.


In this February 2010 article, the first since joining GMO, James Montier asks Was It All Just A Bad Dream? Or, Ten Lessons Not Learnt from the financial crisis.


2009


In November 2009 article titled Only White Swans on the Road to Revulsion James Montier makes the argument that that the housing bubble and the crisis following its collapse was not an unforeseen event but rather the result of over optimism and the illusion of control, two classic human behavioural mistakes.


This article is the text of a speech called Six Impossible Things Before Breakfast, or how EMH has damaged our industry which James Montier delivered at the at the August 2009 CFA UK conference on “What ever happened to EMH”. Dedicated to Peter Bernstein (EMH = Efficient Market Hypothesis)


Here is the video recording of the above mentioned speech by James Montier: Six Impossible Things Before Breakfast. The video is 42 minutes long, but well worth watching.


The financial times in this 24 June 2009 article EMH, AMH: Edwards and Montier ride again motions James Montier leaving Societe Generale to join US investment manager Grantham Mayo Van Otterloo & Co, just after he and Albert Edwards won the Thomson Extel European analysts award in May 2009 as the top global strategy team.


In this 2 June 2009 research paper Forever blowing bubbles: moral hazard and melt-up James Montier explored the bubble phenomenon and what happens in the future after a bubble pops. He explores the possibility that all the government rescue packages initiated in 2008 have the possibility to again inflate a substantial bubble.


In this 24 June 2009 Financial Times article called Insight: Efficient markets theory is dead. James Montier explains why the efficient markets theory is dead but still lives because of academic inertia.


In June 2009 James Montier’s published this list of his Favorite Investment Books as well as a Summer reading list of more recent titles.


In May 2009 shortly after the market started its recovery from its March 9 2009 lows James Montier in this article titled Sucker’s rally or the birth of a bull? asks if this is a suckers rally and if so what investors could do to protect themselves. He also gives a few short ideas from his shorting screen.


In this 27 January 2009 article Clear and present danger: the trinity of risk, James Montier writes about the three primary and interrelated sources of investment risk; Valuation risk, business or earnings risk and balance sheet or financial risk.



2008


In this excellent review of James Montier’s book – Behavioral Investing: A Practitioner’s Guide to Applying Behavioral Finance, Bruce Grantier summarises the main points of the book with emphasis on mistakes and biases followed by a discussion of number of behavioral phenomena.


In the article The psychology of bear markets published in December 2009, during the brunt of the bear market James Montier writes about that the mental barriers to effective decision-making in bear markets are as many and varied as those that plague rationality during bull markets but that they more pronounced as fear and shock limits logical analysis.


In this 25 Nov 2008 article called The road to revulsion and the creation of value, James Montier argues that the road to revulsion – sharply declining prices – ends in an investment nirvana with unambiguously cheap assets.


In this 25 November 2008 Bloomberg article Montier Has ‘Never Been More Bullish’ on Stocks James Montier makes the cast that stocks are “distinctly cheap” because they trade at 15.4 times the 10-year moving average of its companies’ profits, compared with an average of 18 for the U.S. market since 1881.James wrote that fifteen stocks in the U.S. index, pass his test for “deep value,” while a tenth of shares in Europe and a fifth in Asia qualify.


In this 27 October 2008 article – An admission of ignorance: a humble approach to investing James Montier details his investment strategy.


It makes no sense to forecast, the importance of a margin of safety, avoid trying to time the market and buy cheap insurance. But most importantly, humility should be the central theme of a good investment process.


In this October 22nd, 2008 Financial Times blog post by Paul Murphy summarises an article Analysts are rubbish by James Montier about the bullish bias built in to the investment industry by the analysts and that analysts are exceptionally good at one thing and one thing only – telling you what has just happened.


In this 9 September 2008 article – The dangers of DCF James Montier writes about the dangers Of Discount cash flow (DCF) saying its implementation is riddled with problems but the good news is that several alternatives exist.


In this 23 June 2008 article – You are still wasting your time, or, are analysts just overpaid secretaries? James Montier writes about the whether company visits are useful for fund managers. The answer in general is no but they can be improved by learning to look for evidence that disagrees with us, and seek to disprove our ideas, rather than illustrate them with supportive evidence.


In this article The Road To Revulsion 16 June 2008 James Montier writes about bubbles, that bubbles are a by-product of human behaviour, and that human behaviour is sadly all too predictable.


The details of each bubble are different but the general patterns remain very similar. He also touches on the propensity for commentators to continually proclaim the end of the problem and a resumption of business as usual.


In the 30 May 2008 article Inflation Not The Problem Albert Edwards and James Montier explain why they are sceptical of all the market commentators saying that the worse market decline of the recession was over. How right they were, but it’s the way they arrived at their conclusion that makes the article worthwhile reading.


If you have any interest at all in short selling this is an article for you. On 26 May 2008, with the markets particularly overvalued James Montier turned his thinking to short selling writing Joining The Dark Side: Pirates, Spies and Short Sellers.


In the article he explains a simple short screen with surprising results shown through back testing in the USA and Europe.


In the article with the catchy title Asleep at the wheel, or, How I learned to stop worrying and love the bomb published on 7 April 2008 James Montier points out that company management and analysts are unwilling to revise their profit estimates in spite of the looming recession as everyone thinks their business is recession resistant. He points out that this is why they are all overoptimistic and how you can avoid falling into the same trap.


In this 13 March 2008 research article called Remember, Cassandra was right! James Montier makes a strong argument that the mess in the US economy and housing market was not caused by a black swan event (unpredictable) but rather was sadly predictable.


It follows the standard pattern of a bubble deflating, some thing that we have seen a thousand times before.


On 12 January 2008 James made the last post on his blog called Behavioural Investing – The application of psychology to finance and the home of an investing sceptic.


The articles he wrote is luckily all still there and it’s a real treasure trove of information.


In this 15 January 2008 article The Dash To Trash And The Grab For Growth James Montier wrote just shortly after the absolute peak in the 2008 bull market he suggests that if you cannot move to cash because of career risk then invest in large dividend paying companies as what is going to happen to growth stocks at already high valuations is not going to be pretty. How right he was.


2007


In this blog post called The Sources of Value, written in October 2007 James Montier analyses which of the component sources of return leads to value, over reasonable periods of time, to outperform growth?


On 3 October 2007 James Montier posted a blog article titled Sector rotation: an investment dead end? He argues that investors focusing on sectors rather than stocks are barking up the wrong tree.


James Montier’s book Behavioural investing: a practitioner’s guide to applying behavioural finance was published in September 2007. At the link above you can read parts of the book at Google Books.


In this 24 September 2007 blog post called The myth of exogenous risk and the recent quant problems James Montier argues that many aspect of investment risk are endogenous (like a gambler playing poker, where the actions of the other plays are integral to the game) to the way in which we invest.


The problems experienced by the quant funds in August may help highlight some of these issues.


In this 10 September 2007 blog post Yet more evidence on the folly of forecasting, or why we don’t need economists! James Montier presents even more evidence that humans cannot forecast and why you should avoid listening to anyone who says he can as well as avoid it yourself.


On 21 August 2007 James Montier posted a blog article titled Earnings manipulation as a source of short ideas. He identifies shorting candidates through a measurement called the M score. Past results are impressive in identifying under-performing companies.


On 15 March 2007 James Montier posted a Macro Research article titled Global Equity Strategy . Investing 101: A reading list. Here he comes up with a collection of his best books in different categories (classics, modern, psychological and hidden gems) that is arguably the best reading list for any aspiring investor.


In the 30 January 2007 article by James Montier CAPM is CRAP James says that the capital asset pricing model (CAPM) is insidious. It creeps into almost every discussion on finance. And them he goes on to systematically take the model apart with real life examples and evidence.


In his 10 January 2007 research paper Contrarian or conformist? James Montier, in his usual style puts himself against the common view saying that the then biggest consensus portfolio bets to him seemed to be small cap and low quality however large cap, high quality looks like the better bet to him. To emphasise he quotes Sir John Templeton once observed, “It is impossible to produce a superior performance unless you do something different from the majority”.


2006


In this 30 November 2006 article with the enticing title Improving returns using inside information James Montier explains the results of a unknown but interesting research paper on share buybacks and how they, when implemented, are a powerful indicator for positive returns.


In this July 2006 research note titled Come out of the closet, or, show me the alpha James features a study that suggests

closet indexing accounts for nearly one third of the US mutual fund industry. Stock pickers account for less than 30% of the market, yet they have real investment skill. A fascinating read.


The article Prophet Among Pinstripes in the April 2006 issue of Fastcompany magazine features James Montier where he gives his five laws about investing bias, evolution, and true happiness.


In March 2006 shortly after the release of Joel Greenblatt’s book The Little Book That Beats the Market James tested the strategy worldwide and in this article called The little note that beats the markets found that on average the Little Book strategy

beats the markets by around 7% p.a. between 1993-2005, and with lower risk than the market! Value plus quality seems to make sense.


In the article Behaving Badly published in February 2006 James Montier features a short test you can take after which you will also become a strong believer in behavioural finance. Give it a try!


2005


In November 2005 James Montier wrote the article Seven Sins of Fund Management – A behavioural critique where he explores some of the more obvious behavioural weaknesses inherent in the ‘average’ investment process.


For example he writes that the first sin was placing forecasting at the very heart of the investment process. An enormous amount of evidence suggests that investors are generally hopeless at forecasting. So using forecasts as an integral part of the investment process is like tying one hand behind your back before you start.


In this 31 March 2005 article called Bargain Hunter James Montier confesses that he is an unabashed value investor. He adds that if the reader does not share this viewpoint, or isn’t open to be persuaded of the merits of such an approach, he should stop reading now for what follows will only distress his.


James teams up with Rui Antunes his “usual accomplice and compatriot in adventures involving large amounts of data” and embarked upon an investigation of value strategies.


In the article Abu Ghraib: Lessons from behavioural finance and for corporate governance, wrote at the end of January 2005 James Montier says even though it is tempting to believe bad behaviour is the result of a few rotten individuals. However, the overwhelming psychological evidence suggests that if you put good people into bad situations they usually turn bad.


2004


In the June 2004 paper If it makes you happy James Montier leaves investment advice aside and explores one of Adam Smith’s obsessions: what it means to be happy.


He also discusses why that’s important to investors, and how we can seek to improve our own levels of happiness. The article further lists

James’s top ten suggestions for improving happiness.


In the article Who’s a Pretty Boy Then? Or Beauty Contests, Rationality and Greater Fools James Montier in February 2004 played a classic Keynes’ beauty contest with over 1000 professional investors.


He found that on average professional investors are using between one and two steps of strategic thinking in forming their expectations. He also found that many investors suffer the curse of knowledge and end up either picking zero or severely underestimating the irrationality of other players.


These results speak directly to the ability of investors to exit the market before the mass exodus. He found, unsurprisingly, that only a very small minority shows the required level of strategic thinking to beat the gun.


In this 76 page presentation Insights into irrational minds and market Applied Behavioural Finance: Insights into irrational minds and market James Montier gave in 2004 he in great detail described the behavioural biases investors are prone to. Its a great summary of a lot of his previous work in a presentation format, summarised in bullet points and graphs.


2003


This November 2003 issue of welling@weeden James Montier offers a reality and earnings checks.


In this January 2003 research paper Running with the Devil: The Advent of A Cynical Bubble James Montier explores the nature and underlying psychology of four different kinds of bubbles. To assess which comes closest to describing the current market.


To us, the current market environment is largely a greater fool market. Because such markets lack fundamental support, they are liable to precipitous declines.


2002


In Darwin’s Mind: The Evolutionary Foundations of Heuristics and Biases James Montier in December 2002 writes that a catalogue of biases that cognitive psychologists have built up over the last three decades seem to have stem from one of three roots – self-deception, heuristic simplification (including affect), and social interaction.


In this paper James explores the evolutionary basis of each of these roots. The simple truth is that we aren’t adapted to face the world as it is today. We evolved in a very different environment, and it is that ancestral evolutionary environment that governs the way in which we think and feel.


In 22 November 2002 James Montier wrote in Part man, part monkey that leaving the trees could have been our first mistake. Our minds are suited for solving problems related to our survival, rather than being optimised for investment decisions. We all make mistakes when we make decisions. The list below gives a top ten list for avoiding the most common investment mental pitfalls.



  1. You know less than you think you do

  2. Be less certain in your views, aim for timid forecasts and bold choices

  3. Don’t get hung up on one technique, tool, approach or view flexibility and pragmatism are the order of the day

  4. Listen to those who don’t agree with you

  5. You didn’t know it all along, you just think you did

  6. Forget relative valuation, forget market price, work out what the stock is worth (use reverse DCFs)

  7. Don’t take information at face value, think carefully about how it was presented to you

  8. Don’t confuse good firms with good investments, or good earnings growth with good returns

  9. Vivid, easy to recall events are less likely than you think they are, subtle causes are underestimated

  10. Sell your losers and ride your winners


>


Several members of my husband's family operate B&Bs in historic houses. In my state, you have to get licensed. Check and see if your state has a B&B association. They can probably give you specific information about what you need to do. I know that different states and cities can have wildly varying laws and rules about what you can and can't do. For instance, the city I live in has strict regulations about fire suppression systems, handicap accessibility, parking and food preparation. Both of the B&B owners I know are not allowed legally to serve food unless they have a kitchen separate from the one the family uses. They can serve muffins, coffee, juice, stuff like that. Otherwise they have food catered in. I'm betting this varies from state to state.



You are going to want to make sure you have full insurance coverage for your house and guests. If a guest falls down the stairs or hurts themselves in your house, insurance can be a lifesaver. Your B&B association can give you specifics about policies.



Other stuff that I've observed: Guests like having their own bathrooms. Unless you hire help, you will spend a lot of time on your hands and knees scrubbing bathtubs. My in-laws frequently have bridal shower parties, meetings, retreats at their inns. It is a nice way to add some extra income without having overnight guests. Also, the busy times for the B&Bs tend to be during the holidays (including Xmas & thanksgiving). So you'll want to plan out your own personal holidays and vacations way in advance to determine if you want to be open to guests.

posted by pluckysparrow at 10:26 AM on July 16
mike fuljenz mike fuljenz mike fuljenz mike fuljenz mike fuljenz mike fuljenz

Balloon Juice » Blog Archive » <b>News</b> break

61 Responses to “News break”. 1. July 15th, 2010 at 5:12 pm. Joseph Nobles. Somebody's getting laid tonight. Reply. 2. July 15th, 2010 at 5:13 pm. beltane. There is already a diary up at GOS about how the Goldman Sachs settlement is ...

Get Updates About The Mystery Apple <b>News</b> Conference On Twitter And <b>...</b>

Anyway, we'll be following the news conference closely so you have up-to-the-minute information on iPhone-gate. Make sure you follow us on Twitter and “like” our fan page on Facebook to get real-time updates about the news conference ...

Brad Friedman and Desi Doyen: Green <b>News</b> Report: July 15, 2010 (Audio)

TWITTER: @GreenNewsReport The 'GNR' is also now available on your cell phone via Stitcher Radio's mobile app!



Shepherding a Child's Heart by kateraidt







Shepherding a Child's Heart by kateraidt