Friday, October 15, 2010

Making Money Online With



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worse, the debate with Brown was held on Spanish-language station Univision, pushing the burgeoning scandal even further to the front of the campaign. Brown took the opportunity to slam Whitman as a hypocrite for calling for a crackdown on employers who hire illegal immigrants while doing the same herself. Whitman shot back that she had fired the woman in question when she learned about her immigration status and blamed Democrats for putting her in the spotlight against her wishes.


Polls show the national Latino vote, while favoring Democrats, is significantly less likely to turn out this time around, and Whitman has been trying to cut down on the Democrats’ traditional lead in this demographic even further with Spanish-language outreach of her own. If immigration stays the hot topic in the race going into the final stretch, it could potentially change the dynamic in this regard.


Whitman has spent $140 million of her own money on the race so far, absolutely dominating the airwaves compared to Brown, so the fact that she’s still in a tight race in the polls should be a major source of concern. As John Corzine discovered in New Jersey’s gubernatorial race, campaign cash can only go so far.


In an interesting development, both Brown and Whitman pulled out of a scheduled radio debate for Wednesday night.


In an interesting development, both Brown and Whitman pulled out of a scheduled radio debate for Wednesday night, a decision campaign reps for both sides said was “mutual”. Are both candidates nervous about how the housekeeper issue might play?


• Benjamin Sarlin: The Tea Party Meltdown

• Shushannah Walshe: Palin’s Achilles’ Heel
Another race to watch is Florida’s House contest in Orlando between incumbent Democratic flamethrower Alan Grayson and Republican challenger Daniel Webster. Grayson’s well-known for his incredibly combative style, most famously in his assertion on the House floor that the Republicans’ health-care plan was for you to “die quickly.” It’s netted him the highest fundraising numbers of any Democratic House member, but it’s possible he’s finally gone so far that even he realizes it’s time to cool down. After airing a highly selectively edited ad of his opponent, whom he dubbed “Taliban Dan,” he drew widespread condemnation in the media and from nonpartisan Factcheck.org for what many considered an unfair smear. It’s easy to see how the race shifted in our model from a 50-50 split to a 60 percent chance of victory for Webster in the last 24 hours—the top phrase in its word cloud is “Taliban Dan,” 73 percent of the online buzz is about Grayson, and 55 percent of it is positive for Webster.


Benjamin Sarlin is the Washington correspondent for The Daily Beast and edits the site's politics blog, Beltway Beast. He previously covered New York City politics for The New York Sun and has worked for talkingpointsmemo.com.


Get a head start with the Morning Scoop email. It’s your Cheat Sheet with must reads from across the Web. Get it.


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








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Public Address | Hard <b>News</b>

If Len Brown – cleverly claiming the mantle of Mayor Robbie – can help make that experience possible across more of the big news, city, he'll have done a good thing. View Gallery � View Printable � Link to this Post � Send Feedback to ...

Small Business <b>News</b>: Social Media Mavens

Social media has created a new vocabulary for small business, a vocabulary that encompasses not only marketing but networking and collaborating as well.

Fox <b>News</b> Hits Ratings High With Rescue Coverage Of Chilean Miners <b>...</b>

Some 7.1 million viewers tuned into Fox News at 8 PM last night to watch the last trapped Chilean miner, Luis Urzua, making it safely to the surface. That was not only the cable news channel's largest audience in the hour this year but ...


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Gawker Media Community Policy



These are our sites, and we reserve the right to moderate the discussion. The basic rules are standard: An attack on authors or other commenters is unlikely to make you popular. Think before you disparage social or ethnic groups. Don't spam. Don't post pornography or copyrighted imagery. Stay on topic.



That said, the community policy of Gawker Media is forgiving. If your criticism is articulate, it will likely get through. We dole it out; we can take it. What do we mean by articulate? Support your point with argument, facts and citations. Good grammar and spelling also help.


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worse, the debate with Brown was held on Spanish-language station Univision, pushing the burgeoning scandal even further to the front of the campaign. Brown took the opportunity to slam Whitman as a hypocrite for calling for a crackdown on employers who hire illegal immigrants while doing the same herself. Whitman shot back that she had fired the woman in question when she learned about her immigration status and blamed Democrats for putting her in the spotlight against her wishes.


Polls show the national Latino vote, while favoring Democrats, is significantly less likely to turn out this time around, and Whitman has been trying to cut down on the Democrats’ traditional lead in this demographic even further with Spanish-language outreach of her own. If immigration stays the hot topic in the race going into the final stretch, it could potentially change the dynamic in this regard.


Whitman has spent $140 million of her own money on the race so far, absolutely dominating the airwaves compared to Brown, so the fact that she’s still in a tight race in the polls should be a major source of concern. As John Corzine discovered in New Jersey’s gubernatorial race, campaign cash can only go so far.


In an interesting development, both Brown and Whitman pulled out of a scheduled radio debate for Wednesday night.


In an interesting development, both Brown and Whitman pulled out of a scheduled radio debate for Wednesday night, a decision campaign reps for both sides said was “mutual”. Are both candidates nervous about how the housekeeper issue might play?


• Benjamin Sarlin: The Tea Party Meltdown

• Shushannah Walshe: Palin’s Achilles’ Heel
Another race to watch is Florida’s House contest in Orlando between incumbent Democratic flamethrower Alan Grayson and Republican challenger Daniel Webster. Grayson’s well-known for his incredibly combative style, most famously in his assertion on the House floor that the Republicans’ health-care plan was for you to “die quickly.” It’s netted him the highest fundraising numbers of any Democratic House member, but it’s possible he’s finally gone so far that even he realizes it’s time to cool down. After airing a highly selectively edited ad of his opponent, whom he dubbed “Taliban Dan,” he drew widespread condemnation in the media and from nonpartisan Factcheck.org for what many considered an unfair smear. It’s easy to see how the race shifted in our model from a 50-50 split to a 60 percent chance of victory for Webster in the last 24 hours—the top phrase in its word cloud is “Taliban Dan,” 73 percent of the online buzz is about Grayson, and 55 percent of it is positive for Webster.


Benjamin Sarlin is the Washington correspondent for The Daily Beast and edits the site's politics blog, Beltway Beast. He previously covered New York City politics for The New York Sun and has worked for talkingpointsmemo.com.


Get a head start with the Morning Scoop email. It’s your Cheat Sheet with must reads from across the Web. Get it.


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








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Public Address | Hard <b>News</b>

If Len Brown – cleverly claiming the mantle of Mayor Robbie – can help make that experience possible across more of the big news, city, he'll have done a good thing. View Gallery � View Printable � Link to this Post � Send Feedback to ...

Small Business <b>News</b>: Social Media Mavens

Social media has created a new vocabulary for small business, a vocabulary that encompasses not only marketing but networking and collaborating as well.

Fox <b>News</b> Hits Ratings High With Rescue Coverage Of Chilean Miners <b>...</b>

Some 7.1 million viewers tuned into Fox News at 8 PM last night to watch the last trapped Chilean miner, Luis Urzua, making it safely to the surface. That was not only the cable news channel's largest audience in the hour this year but ...


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Public Address | Hard <b>News</b>

If Len Brown – cleverly claiming the mantle of Mayor Robbie – can help make that experience possible across more of the big news, city, he'll have done a good thing. View Gallery � View Printable � Link to this Post � Send Feedback to ...

Small Business <b>News</b>: Social Media Mavens

Social media has created a new vocabulary for small business, a vocabulary that encompasses not only marketing but networking and collaborating as well.

Fox <b>News</b> Hits Ratings High With Rescue Coverage Of Chilean Miners <b>...</b>

Some 7.1 million viewers tuned into Fox News at 8 PM last night to watch the last trapped Chilean miner, Luis Urzua, making it safely to the surface. That was not only the cable news channel's largest audience in the hour this year but ...


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Gawker Media Community Policy



These are our sites, and we reserve the right to moderate the discussion. The basic rules are standard: An attack on authors or other commenters is unlikely to make you popular. Think before you disparage social or ethnic groups. Don't spam. Don't post pornography or copyrighted imagery. Stay on topic.



That said, the community policy of Gawker Media is forgiving. If your criticism is articulate, it will likely get through. We dole it out; we can take it. What do we mean by articulate? Support your point with argument, facts and citations. Good grammar and spelling also help.


Got questions? Need answers? See our FAQ and site-specific community guidelines.



Close

worse, the debate with Brown was held on Spanish-language station Univision, pushing the burgeoning scandal even further to the front of the campaign. Brown took the opportunity to slam Whitman as a hypocrite for calling for a crackdown on employers who hire illegal immigrants while doing the same herself. Whitman shot back that she had fired the woman in question when she learned about her immigration status and blamed Democrats for putting her in the spotlight against her wishes.


Polls show the national Latino vote, while favoring Democrats, is significantly less likely to turn out this time around, and Whitman has been trying to cut down on the Democrats’ traditional lead in this demographic even further with Spanish-language outreach of her own. If immigration stays the hot topic in the race going into the final stretch, it could potentially change the dynamic in this regard.


Whitman has spent $140 million of her own money on the race so far, absolutely dominating the airwaves compared to Brown, so the fact that she’s still in a tight race in the polls should be a major source of concern. As John Corzine discovered in New Jersey’s gubernatorial race, campaign cash can only go so far.


In an interesting development, both Brown and Whitman pulled out of a scheduled radio debate for Wednesday night.


In an interesting development, both Brown and Whitman pulled out of a scheduled radio debate for Wednesday night, a decision campaign reps for both sides said was “mutual”. Are both candidates nervous about how the housekeeper issue might play?


• Benjamin Sarlin: The Tea Party Meltdown

• Shushannah Walshe: Palin’s Achilles’ Heel
Another race to watch is Florida’s House contest in Orlando between incumbent Democratic flamethrower Alan Grayson and Republican challenger Daniel Webster. Grayson’s well-known for his incredibly combative style, most famously in his assertion on the House floor that the Republicans’ health-care plan was for you to “die quickly.” It’s netted him the highest fundraising numbers of any Democratic House member, but it’s possible he’s finally gone so far that even he realizes it’s time to cool down. After airing a highly selectively edited ad of his opponent, whom he dubbed “Taliban Dan,” he drew widespread condemnation in the media and from nonpartisan Factcheck.org for what many considered an unfair smear. It’s easy to see how the race shifted in our model from a 50-50 split to a 60 percent chance of victory for Webster in the last 24 hours—the top phrase in its word cloud is “Taliban Dan,” 73 percent of the online buzz is about Grayson, and 55 percent of it is positive for Webster.


Benjamin Sarlin is the Washington correspondent for The Daily Beast and edits the site's politics blog, Beltway Beast. He previously covered New York City politics for The New York Sun and has worked for talkingpointsmemo.com.


Get a head start with the Morning Scoop email. It’s your Cheat Sheet with must reads from across the Web. Get it.


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








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Public Address | Hard <b>News</b>

If Len Brown – cleverly claiming the mantle of Mayor Robbie – can help make that experience possible across more of the big news, city, he'll have done a good thing. View Gallery � View Printable � Link to this Post � Send Feedback to ...

Small Business <b>News</b>: Social Media Mavens

Social media has created a new vocabulary for small business, a vocabulary that encompasses not only marketing but networking and collaborating as well.

Fox <b>News</b> Hits Ratings High With Rescue Coverage Of Chilean Miners <b>...</b>

Some 7.1 million viewers tuned into Fox News at 8 PM last night to watch the last trapped Chilean miner, Luis Urzua, making it safely to the surface. That was not only the cable news channel's largest audience in the hour this year but ...


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World Class Traffic Jam by joiseyshowaa


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Public Address | Hard <b>News</b>

If Len Brown – cleverly claiming the mantle of Mayor Robbie – can help make that experience possible across more of the big news, city, he'll have done a good thing. View Gallery � View Printable � Link to this Post � Send Feedback to ...

Small Business <b>News</b>: Social Media Mavens

Social media has created a new vocabulary for small business, a vocabulary that encompasses not only marketing but networking and collaborating as well.

Fox <b>News</b> Hits Ratings High With Rescue Coverage Of Chilean Miners <b>...</b>

Some 7.1 million viewers tuned into Fox News at 8 PM last night to watch the last trapped Chilean miner, Luis Urzua, making it safely to the surface. That was not only the cable news channel's largest audience in the hour this year but ...


bench craft company reviews

Public Address | Hard <b>News</b>

If Len Brown – cleverly claiming the mantle of Mayor Robbie – can help make that experience possible across more of the big news, city, he'll have done a good thing. View Gallery � View Printable � Link to this Post � Send Feedback to ...

Small Business <b>News</b>: Social Media Mavens

Social media has created a new vocabulary for small business, a vocabulary that encompasses not only marketing but networking and collaborating as well.

Fox <b>News</b> Hits Ratings High With Rescue Coverage Of Chilean Miners <b>...</b>

Some 7.1 million viewers tuned into Fox News at 8 PM last night to watch the last trapped Chilean miner, Luis Urzua, making it safely to the surface. That was not only the cable news channel's largest audience in the hour this year but ...


bench craft company reviews

Public Address | Hard <b>News</b>

If Len Brown – cleverly claiming the mantle of Mayor Robbie – can help make that experience possible across more of the big news, city, he'll have done a good thing. View Gallery � View Printable � Link to this Post � Send Feedback to ...

Small Business <b>News</b>: Social Media Mavens

Social media has created a new vocabulary for small business, a vocabulary that encompasses not only marketing but networking and collaborating as well.

Fox <b>News</b> Hits Ratings High With Rescue Coverage Of Chilean Miners <b>...</b>

Some 7.1 million viewers tuned into Fox News at 8 PM last night to watch the last trapped Chilean miner, Luis Urzua, making it safely to the surface. That was not only the cable news channel's largest audience in the hour this year but ...


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Public Address | Hard <b>News</b>

If Len Brown – cleverly claiming the mantle of Mayor Robbie – can help make that experience possible across more of the big news, city, he'll have done a good thing. View Gallery � View Printable � Link to this Post � Send Feedback to ...

Small Business <b>News</b>: Social Media Mavens

Social media has created a new vocabulary for small business, a vocabulary that encompasses not only marketing but networking and collaborating as well.

Fox <b>News</b> Hits Ratings High With Rescue Coverage Of Chilean Miners <b>...</b>

Some 7.1 million viewers tuned into Fox News at 8 PM last night to watch the last trapped Chilean miner, Luis Urzua, making it safely to the surface. That was not only the cable news channel's largest audience in the hour this year but ...


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Freelance writing is a very competitive business, and it can be difficult to find venues to submit your writing to, either online writing or print sources. Constant Content is a website that allows writers to submit any writing piece that they have, either previously published articles, or exclusive writing pieces. To read more of an overview of Constant Content, check out my first article on this company.

Constant-Content: Make Money Writing Online

If you are a freelance writer, or simply someone who has found that writing online for cash is easy for you, constant content may be a suitable venue for you to market your work. But, I don't believe that Constant-Content is for everyone.

Who Should Write for Constant Content?In my opinion, and from my research and use of Constant-Content, only experienced writers, freelance copy writers, or those who can write and inform (tutorials, etc.) fairly easily and with quality. This is why:

When you submit your writing to Constant-Content, you are chosen by publishers or content seekers on the website. Typically, these "clients" know what they want, have experience purchasing writing, and are going to expect high caliber pieces for whatever venue they are sourcing for. If you have many articles, editorials, tutorials, research pieces and you are an experienced freelance writer, it is very beneficial to carefully submit your work and it is likely that the piece will get chosen and purchased.

But, if you write for fun or you are not an experienced writer, those "clients" on the site will choose a suitable author who uses proper grammar, format, experience, etc. to purchase writing from.

Is Constant-Content Worth it?Constant Content is definitely a worthwhile endeavor for serious writers, or intelligent experts in particular fields (computers, crafts, psychology, etc.) to sell their previously published pieces, or non-published writing. You should be confident of your work, and price your work accordingly (you set your price for each article with Constant-Content.) That is how you will really cash in with Constant-Content, selling high caliber articles/writing for higher prices. It will sell, because there is a large market for content on the web and otherwise.

Also, if you are interested in selling your writing on constant-content, keep in mind that many of the "clients" are searching for articles to use online. This means that you will need to have some experience (in addition to writing experience) in writing for SEO and keyword optimization. You definitely don't have to be an expert, but knowing some about it helps.

Who Shouldn't sign up for Constant-Content?If you are a blogger, who simply writes to cash in on Adsense, payperpost, blogitive.com, and affiliates, Constant Content might not be worth your time. Unless, of course, you plan on really shaping up your work, and are confident that it is marketable.

Another Tip for Constant-Content...One way to make money quicker and easier with Constant-Content is to check out their content requests. There is a section on Constant-Content to check out client content requests. If you go through this section, you might find a request that you already have an article to submit for. Likely, the client will purchase your article if it is submitted.

Good Luck making money online with Constant-Content, and be sure to check out the site!

If you are interested in signing up and selling your freelance writing with Constant Content, here is your link:

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Public Address | Hard <b>News</b>

If Len Brown – cleverly claiming the mantle of Mayor Robbie – can help make that experience possible across more of the big news, city, he'll have done a good thing. View Gallery � View Printable � Link to this Post � Send Feedback to ...

Small Business <b>News</b>: Social Media Mavens

Social media has created a new vocabulary for small business, a vocabulary that encompasses not only marketing but networking and collaborating as well.

Fox <b>News</b> Hits Ratings High With Rescue Coverage Of Chilean Miners <b>...</b>

Some 7.1 million viewers tuned into Fox News at 8 PM last night to watch the last trapped Chilean miner, Luis Urzua, making it safely to the surface. That was not only the cable news channel's largest audience in the hour this year but ...


big seminar 14

Public Address | Hard <b>News</b>

If Len Brown – cleverly claiming the mantle of Mayor Robbie – can help make that experience possible across more of the big news, city, he'll have done a good thing. View Gallery � View Printable � Link to this Post � Send Feedback to ...

Small Business <b>News</b>: Social Media Mavens

Social media has created a new vocabulary for small business, a vocabulary that encompasses not only marketing but networking and collaborating as well.

Fox <b>News</b> Hits Ratings High With Rescue Coverage Of Chilean Miners <b>...</b>

Some 7.1 million viewers tuned into Fox News at 8 PM last night to watch the last trapped Chilean miner, Luis Urzua, making it safely to the surface. That was not only the cable news channel's largest audience in the hour this year but ...


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Thursday, October 14, 2010

Making Money Cash


This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:


Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…


Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.


“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”


If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.


It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.


And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.


The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.


Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.


*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.


Update: Higher One’s Donald Smith responds:


Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.


The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.


Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.


Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.


I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.



DeMint has not been shy about his vision.

Last week, he single-handedly threatened to stop all legislative activity
in the Senate as it worked to pass a flurry of legislation before
recessing ahead of the election. He has also criticized Democrats and
Republicans alike, chastising GOP leadership on occasion and bucking
them regularly to support more conservative, Tea Party-favored
candidates in Republican primaries. During the summer of 2009, DeMint
also famously said
that if Republicans could stop President Barack Obama from implementing
his proposal health insurance reform overhauls, it would be his
�Waterloo.�

For years, a few, select special interest groups on
the right and left have specialized in the conduit approach to political
fund-raising, including the conservative Club for Growth and the liberal groups ActBlue, MoveOn.org and EMILY�s List. Politicians using their leadership PACs for such activity are comparatively novel.

Individual donors must still abide by campaign contribution limits even
if they send money through conduit organizations, giving no more than
$2,400 per election to candidates.

But political committees aren�t as restricted in the amount of cash they may transfer from one individual.

For
example, DeMint�s leadership PAC directly donated the legal maximum of
$10,000 to Rubio�s Senate campaign in Florida -- money raised from
donors to his PAC who can give no more than $5,000 per year. But the
committee has also been able to bundle more than $240,600 to Rubio�s
campaign from a bevy of individual donors. And by acting as a conduit
organization, it can demonstrate additional clout.

So far this
election cycle, ActBlue has bundled more than $31.4 million. MoveOn.org
has bundled more than $9.2 million. EMILY�s List has bundled about $3.9
million, and the Club for Growth has bundled about $3.3 million.

In terms of all other groups reporting this activity, Hoyer�s
leadership PAC ranks next at $1.3 million, followed by DeMint�s $1.04
million. The only other federal lawmaker who so far this cycle has
reported at least six-figures worth of conduit contributions is Sen. Jay Rockefeller (D-W.Va.), with $168,800, coming via his Mountaineer PAC.

These bundles from Rockefeller�s PAC benefited just two lawmakers, West Virginia Democratic Reps. Nick Rahall, who is in a competitive re-election bid this year, and Alan Mollohan, who lost in a Democratic primary in May.

�Sen.
Rockefeller has supported Congressmen Mollohan and Rahall for years,
and he wanted to help them raise money,� Jamie Smith, Rockefeller�s
communication director told OpenSecrets Blog. �Mountaineer PAC
collected money at an event and forwarded it to the respective
campaigns. The contributions were reported according to FEC regulations
as conduit contributions.�

Hoyer�s conduit giving has been more
prolific. He�s reported bundling conduit contributions for more than 100
candidates this cycle. His top beneficiaries include the following
Democrats:

  • Rep. Frank Kratovil (D-Md.): $56,500 and counting
  • Rep. Scott Murphy (D-N.Y.): $36,750 and counting
  • Rep. Debbie Halvorson (D-Ill.): $29,500 and counting
  • Rep. Suzanne Kosmas (D-Fla.): $27,500 and counting
  • Rep. Walt Minnick (D-Idaho): $26,100 and counting
�As
part of his job as majority leader, Mr. Hoyer raises and contributes
money to Democratic candidates,� Katie Grant, a spokesperson for Hoyer,
told OpenSecrets Blog in a statement. Grant declined to elaborate further about his direct contributions or bundling of conduit contributions.

Hoyer has also reported transferring conduit contributions to the Democratic Congressional Campaign Committee.
He�s also reported donating $1.08 million from his leadership PAC and
campaign committee to other Democrats -- ranking him the No. 3 lawmaker
in such direct contributions, according to an analysis by the Center for
Responsive Politics.

Other House leaders have also utilized this
more traditional approach in providing financial assistance to fellow
party faithful. But unlike bundling unlimited amounts of conduit
contributions, these direct contributions to campaigns cannot exceed
$5,000 per election.

House Minority Whip Eric Cantor
(R-Va.) ranks No. 1 with more than $1.2 million in contributions to
fellow Republicans from his leadership PAC and campaign committee
combined since January 2009. House Majority Whip James Clyburn (D-S.C.) ranks No. 2, with more than $1.1 million in such contributions.

Beyond Hoyer, Speaker of the House Nancy Pelosi
(D-Calif.) ranks No. 4, with $898,000 in contributions so far this
election cycle to fellow Democrats. And House Minority Leader John Boehner
(R-Ohio), who is poised to become speaker should Republicans wrest
control of the House from Democrats, ranks No. 5, with $862,000 in
contributions.

"The speaker works very hard to make sure that
members have the resources they need to get their message out to
voters," Jennifer Crider, a spokeswoman for Pelosi, told OpenSecrets Blog.
"The hope is that members have what they need to fight back against
shady outside groups who are coming in and misleading voters in their
districts."

"Rep. Clyburn believes it's important to elect
candidates who share his vision for the country and the need to keep
moving our country forward. An important part of that effort is raising
money for candidates, so they can run effective campaigns," Adam Hodge, a
spokesman for Clyburn, told OpenSecrets Blog. "Rep. Clyburn hopes that his efforts will help the Democrats maintain our majority this fall."

Spokespeople for Cantor and Boehner did not respond to multiple messages seeking comment for this story.

Here
is a table showing the top 20 lawmakers making the most contributions
to their political brethren from their leadership PACs and campaign
committees this election cycle:




eric seiger dermatologist

<b>News</b> Corp. Shareholder Objects to G.O.P. Donations - NYTimes.com

A private foundation owning stock in the News Corporation sent a letter objecting to company's contributions to Republican causes.

T-Mobile Reducing Data Cap, Will Throttle Speeds After 5GB Of <b>...</b>

Bad news for those of you that use more than 5GB of data each month. Starting October 16th, T-Mobile will enforce a new policy that will reduce data speeds.

Great <b>news</b>: Obama says he&#39;s learned that “there&#39;s no such thing as <b>...</b>

Great news: Obama says he's learned that “there's no such thing as shovel-ready projects” for public works.


eric seiger do

This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:


Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…


Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.


“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”


If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.


It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.


And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.


The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.


Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.


*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.


Update: Higher One’s Donald Smith responds:


Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.


The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.


Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.


Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.


I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.



DeMint has not been shy about his vision.

Last week, he single-handedly threatened to stop all legislative activity
in the Senate as it worked to pass a flurry of legislation before
recessing ahead of the election. He has also criticized Democrats and
Republicans alike, chastising GOP leadership on occasion and bucking
them regularly to support more conservative, Tea Party-favored
candidates in Republican primaries. During the summer of 2009, DeMint
also famously said
that if Republicans could stop President Barack Obama from implementing
his proposal health insurance reform overhauls, it would be his
�Waterloo.�

For years, a few, select special interest groups on
the right and left have specialized in the conduit approach to political
fund-raising, including the conservative Club for Growth and the liberal groups ActBlue, MoveOn.org and EMILY�s List. Politicians using their leadership PACs for such activity are comparatively novel.

Individual donors must still abide by campaign contribution limits even
if they send money through conduit organizations, giving no more than
$2,400 per election to candidates.

But political committees aren�t as restricted in the amount of cash they may transfer from one individual.

For
example, DeMint�s leadership PAC directly donated the legal maximum of
$10,000 to Rubio�s Senate campaign in Florida -- money raised from
donors to his PAC who can give no more than $5,000 per year. But the
committee has also been able to bundle more than $240,600 to Rubio�s
campaign from a bevy of individual donors. And by acting as a conduit
organization, it can demonstrate additional clout.

So far this
election cycle, ActBlue has bundled more than $31.4 million. MoveOn.org
has bundled more than $9.2 million. EMILY�s List has bundled about $3.9
million, and the Club for Growth has bundled about $3.3 million.

In terms of all other groups reporting this activity, Hoyer�s
leadership PAC ranks next at $1.3 million, followed by DeMint�s $1.04
million. The only other federal lawmaker who so far this cycle has
reported at least six-figures worth of conduit contributions is Sen. Jay Rockefeller (D-W.Va.), with $168,800, coming via his Mountaineer PAC.

These bundles from Rockefeller�s PAC benefited just two lawmakers, West Virginia Democratic Reps. Nick Rahall, who is in a competitive re-election bid this year, and Alan Mollohan, who lost in a Democratic primary in May.

�Sen.
Rockefeller has supported Congressmen Mollohan and Rahall for years,
and he wanted to help them raise money,� Jamie Smith, Rockefeller�s
communication director told OpenSecrets Blog. �Mountaineer PAC
collected money at an event and forwarded it to the respective
campaigns. The contributions were reported according to FEC regulations
as conduit contributions.�

Hoyer�s conduit giving has been more
prolific. He�s reported bundling conduit contributions for more than 100
candidates this cycle. His top beneficiaries include the following
Democrats:

  • Rep. Frank Kratovil (D-Md.): $56,500 and counting
  • Rep. Scott Murphy (D-N.Y.): $36,750 and counting
  • Rep. Debbie Halvorson (D-Ill.): $29,500 and counting
  • Rep. Suzanne Kosmas (D-Fla.): $27,500 and counting
  • Rep. Walt Minnick (D-Idaho): $26,100 and counting
�As
part of his job as majority leader, Mr. Hoyer raises and contributes
money to Democratic candidates,� Katie Grant, a spokesperson for Hoyer,
told OpenSecrets Blog in a statement. Grant declined to elaborate further about his direct contributions or bundling of conduit contributions.

Hoyer has also reported transferring conduit contributions to the Democratic Congressional Campaign Committee.
He�s also reported donating $1.08 million from his leadership PAC and
campaign committee to other Democrats -- ranking him the No. 3 lawmaker
in such direct contributions, according to an analysis by the Center for
Responsive Politics.

Other House leaders have also utilized this
more traditional approach in providing financial assistance to fellow
party faithful. But unlike bundling unlimited amounts of conduit
contributions, these direct contributions to campaigns cannot exceed
$5,000 per election.

House Minority Whip Eric Cantor
(R-Va.) ranks No. 1 with more than $1.2 million in contributions to
fellow Republicans from his leadership PAC and campaign committee
combined since January 2009. House Majority Whip James Clyburn (D-S.C.) ranks No. 2, with more than $1.1 million in such contributions.

Beyond Hoyer, Speaker of the House Nancy Pelosi
(D-Calif.) ranks No. 4, with $898,000 in contributions so far this
election cycle to fellow Democrats. And House Minority Leader John Boehner
(R-Ohio), who is poised to become speaker should Republicans wrest
control of the House from Democrats, ranks No. 5, with $862,000 in
contributions.

"The speaker works very hard to make sure that
members have the resources they need to get their message out to
voters," Jennifer Crider, a spokeswoman for Pelosi, told OpenSecrets Blog.
"The hope is that members have what they need to fight back against
shady outside groups who are coming in and misleading voters in their
districts."

"Rep. Clyburn believes it's important to elect
candidates who share his vision for the country and the need to keep
moving our country forward. An important part of that effort is raising
money for candidates, so they can run effective campaigns," Adam Hodge, a
spokesman for Clyburn, told OpenSecrets Blog. "Rep. Clyburn hopes that his efforts will help the Democrats maintain our majority this fall."

Spokespeople for Cantor and Boehner did not respond to multiple messages seeking comment for this story.

Here
is a table showing the top 20 lawmakers making the most contributions
to their political brethren from their leadership PACs and campaign
committees this election cycle:




Dr. eric seiger

<b>News</b> Corp. Shareholder Objects to G.O.P. Donations - NYTimes.com

A private foundation owning stock in the News Corporation sent a letter objecting to company's contributions to Republican causes.

T-Mobile Reducing Data Cap, Will Throttle Speeds After 5GB Of <b>...</b>

Bad news for those of you that use more than 5GB of data each month. Starting October 16th, T-Mobile will enforce a new policy that will reduce data speeds.

Great <b>news</b>: Obama says he&#39;s learned that “there&#39;s no such thing as <b>...</b>

Great news: Obama says he's learned that “there's no such thing as shovel-ready projects” for public works.


Dr. eric seiger

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skin

and vein center

<b>News</b> Corp. Shareholder Objects to G.O.P. Donations - NYTimes.com

A private foundation owning stock in the News Corporation sent a letter objecting to company's contributions to Republican causes.

T-Mobile Reducing Data Cap, Will Throttle Speeds After 5GB Of <b>...</b>

Bad news for those of you that use more than 5GB of data each month. Starting October 16th, T-Mobile will enforce a new policy that will reduce data speeds.

Great <b>news</b>: Obama says he&#39;s learned that “there&#39;s no such thing as <b>...</b>

Great news: Obama says he's learned that “there's no such thing as shovel-ready projects” for public works.


eric seiger dermatologist

This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:


Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…


Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.


“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”


If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.


It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.


And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.


The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.


Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.


*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.


Update: Higher One’s Donald Smith responds:


Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.


The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.


Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.


Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.


I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.



DeMint has not been shy about his vision.

Last week, he single-handedly threatened to stop all legislative activity
in the Senate as it worked to pass a flurry of legislation before
recessing ahead of the election. He has also criticized Democrats and
Republicans alike, chastising GOP leadership on occasion and bucking
them regularly to support more conservative, Tea Party-favored
candidates in Republican primaries. During the summer of 2009, DeMint
also famously said
that if Republicans could stop President Barack Obama from implementing
his proposal health insurance reform overhauls, it would be his
�Waterloo.�

For years, a few, select special interest groups on
the right and left have specialized in the conduit approach to political
fund-raising, including the conservative Club for Growth and the liberal groups ActBlue, MoveOn.org and EMILY�s List. Politicians using their leadership PACs for such activity are comparatively novel.

Individual donors must still abide by campaign contribution limits even
if they send money through conduit organizations, giving no more than
$2,400 per election to candidates.

But political committees aren�t as restricted in the amount of cash they may transfer from one individual.

For
example, DeMint�s leadership PAC directly donated the legal maximum of
$10,000 to Rubio�s Senate campaign in Florida -- money raised from
donors to his PAC who can give no more than $5,000 per year. But the
committee has also been able to bundle more than $240,600 to Rubio�s
campaign from a bevy of individual donors. And by acting as a conduit
organization, it can demonstrate additional clout.

So far this
election cycle, ActBlue has bundled more than $31.4 million. MoveOn.org
has bundled more than $9.2 million. EMILY�s List has bundled about $3.9
million, and the Club for Growth has bundled about $3.3 million.

In terms of all other groups reporting this activity, Hoyer�s
leadership PAC ranks next at $1.3 million, followed by DeMint�s $1.04
million. The only other federal lawmaker who so far this cycle has
reported at least six-figures worth of conduit contributions is Sen. Jay Rockefeller (D-W.Va.), with $168,800, coming via his Mountaineer PAC.

These bundles from Rockefeller�s PAC benefited just two lawmakers, West Virginia Democratic Reps. Nick Rahall, who is in a competitive re-election bid this year, and Alan Mollohan, who lost in a Democratic primary in May.

�Sen.
Rockefeller has supported Congressmen Mollohan and Rahall for years,
and he wanted to help them raise money,� Jamie Smith, Rockefeller�s
communication director told OpenSecrets Blog. �Mountaineer PAC
collected money at an event and forwarded it to the respective
campaigns. The contributions were reported according to FEC regulations
as conduit contributions.�

Hoyer�s conduit giving has been more
prolific. He�s reported bundling conduit contributions for more than 100
candidates this cycle. His top beneficiaries include the following
Democrats:

  • Rep. Frank Kratovil (D-Md.): $56,500 and counting
  • Rep. Scott Murphy (D-N.Y.): $36,750 and counting
  • Rep. Debbie Halvorson (D-Ill.): $29,500 and counting
  • Rep. Suzanne Kosmas (D-Fla.): $27,500 and counting
  • Rep. Walt Minnick (D-Idaho): $26,100 and counting
�As
part of his job as majority leader, Mr. Hoyer raises and contributes
money to Democratic candidates,� Katie Grant, a spokesperson for Hoyer,
told OpenSecrets Blog in a statement. Grant declined to elaborate further about his direct contributions or bundling of conduit contributions.

Hoyer has also reported transferring conduit contributions to the Democratic Congressional Campaign Committee.
He�s also reported donating $1.08 million from his leadership PAC and
campaign committee to other Democrats -- ranking him the No. 3 lawmaker
in such direct contributions, according to an analysis by the Center for
Responsive Politics.

Other House leaders have also utilized this
more traditional approach in providing financial assistance to fellow
party faithful. But unlike bundling unlimited amounts of conduit
contributions, these direct contributions to campaigns cannot exceed
$5,000 per election.

House Minority Whip Eric Cantor
(R-Va.) ranks No. 1 with more than $1.2 million in contributions to
fellow Republicans from his leadership PAC and campaign committee
combined since January 2009. House Majority Whip James Clyburn (D-S.C.) ranks No. 2, with more than $1.1 million in such contributions.

Beyond Hoyer, Speaker of the House Nancy Pelosi
(D-Calif.) ranks No. 4, with $898,000 in contributions so far this
election cycle to fellow Democrats. And House Minority Leader John Boehner
(R-Ohio), who is poised to become speaker should Republicans wrest
control of the House from Democrats, ranks No. 5, with $862,000 in
contributions.

"The speaker works very hard to make sure that
members have the resources they need to get their message out to
voters," Jennifer Crider, a spokeswoman for Pelosi, told OpenSecrets Blog.
"The hope is that members have what they need to fight back against
shady outside groups who are coming in and misleading voters in their
districts."

"Rep. Clyburn believes it's important to elect
candidates who share his vision for the country and the need to keep
moving our country forward. An important part of that effort is raising
money for candidates, so they can run effective campaigns," Adam Hodge, a
spokesman for Clyburn, told OpenSecrets Blog. "Rep. Clyburn hopes that his efforts will help the Democrats maintain our majority this fall."

Spokespeople for Cantor and Boehner did not respond to multiple messages seeking comment for this story.

Here
is a table showing the top 20 lawmakers making the most contributions
to their political brethren from their leadership PACs and campaign
committees this election cycle:




eric seiger dermatology

cashgiftingproof by j91romero


skin

and vein center

<b>News</b> Corp. Shareholder Objects to G.O.P. Donations - NYTimes.com

A private foundation owning stock in the News Corporation sent a letter objecting to company's contributions to Republican causes.

T-Mobile Reducing Data Cap, Will Throttle Speeds After 5GB Of <b>...</b>

Bad news for those of you that use more than 5GB of data each month. Starting October 16th, T-Mobile will enforce a new policy that will reduce data speeds.

Great <b>news</b>: Obama says he&#39;s learned that “there&#39;s no such thing as <b>...</b>

Great news: Obama says he's learned that “there's no such thing as shovel-ready projects” for public works.


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eric seiger dermatologist

<b>News</b> Corp. Shareholder Objects to G.O.P. Donations - NYTimes.com

A private foundation owning stock in the News Corporation sent a letter objecting to company's contributions to Republican causes.

T-Mobile Reducing Data Cap, Will Throttle Speeds After 5GB Of <b>...</b>

Bad news for those of you that use more than 5GB of data each month. Starting October 16th, T-Mobile will enforce a new policy that will reduce data speeds.

Great <b>news</b>: Obama says he&#39;s learned that “there&#39;s no such thing as <b>...</b>

Great news: Obama says he's learned that “there's no such thing as shovel-ready projects” for public works.


eric seiger

<b>News</b> Corp. Shareholder Objects to G.O.P. Donations - NYTimes.com

A private foundation owning stock in the News Corporation sent a letter objecting to company's contributions to Republican causes.

T-Mobile Reducing Data Cap, Will Throttle Speeds After 5GB Of <b>...</b>

Bad news for those of you that use more than 5GB of data each month. Starting October 16th, T-Mobile will enforce a new policy that will reduce data speeds.

Great <b>news</b>: Obama says he&#39;s learned that “there&#39;s no such thing as <b>...</b>

Great news: Obama says he's learned that “there's no such thing as shovel-ready projects” for public works.


eric seiger dermatologist

<b>News</b> Corp. Shareholder Objects to G.O.P. Donations - NYTimes.com

A private foundation owning stock in the News Corporation sent a letter objecting to company's contributions to Republican causes.

T-Mobile Reducing Data Cap, Will Throttle Speeds After 5GB Of <b>...</b>

Bad news for those of you that use more than 5GB of data each month. Starting October 16th, T-Mobile will enforce a new policy that will reduce data speeds.

Great <b>news</b>: Obama says he&#39;s learned that “there&#39;s no such thing as <b>...</b>

Great news: Obama says he's learned that “there's no such thing as shovel-ready projects” for public works.


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<b>News</b> Corp. Shareholder Objects to G.O.P. Donations - NYTimes.com

A private foundation owning stock in the News Corporation sent a letter objecting to company's contributions to Republican causes.

T-Mobile Reducing Data Cap, Will Throttle Speeds After 5GB Of <b>...</b>

Bad news for those of you that use more than 5GB of data each month. Starting October 16th, T-Mobile will enforce a new policy that will reduce data speeds.

Great <b>news</b>: Obama says he&#39;s learned that “there&#39;s no such thing as <b>...</b>

Great news: Obama says he's learned that “there's no such thing as shovel-ready projects” for public works.


big seminar 14

How many of us have done this: Spend hours typing "Make Money Online" into search engines and hope that maybe this time we'll find that one website that can truly help us to do so. I certainly have spent my fair share of time being fooled by different schemes! However there are a few out there that do pay. Although it is hard to find one that doesn't require a large amount of time, or that pays enough to be worth the time it takes to participate.

For example there is Kerclink.com, which is actually quite fun. It's a free small program that you can download and play games and earn points, and those points turn into money! It sounds great and it is definitely fun and addicting. However if you are thinking about making serious cash Kerclink won't be the place for you. I played for several hours one day and earned several thousand points. Then thinking that surely I would be rolling around in cash and tossing it carelessly into the air in no time, to my dismay I saw that I had only earned about three cents! Despite that however, it is fun and eventually you will get a check in the mail, but it is more something to do on the side.

Then we come to Netwinner.com. Now I have to admit that this is one of my favorites. It's very addicting and winning decent prizes is actually attainable. Netwinner is and free online lottery where you earn either points or cash. Although points is usually what one ends up winning, the prizes from the points are still quite nice. You can win the gift certificate of your choice once you have earned a good amount of points. By the way the grand prize is over a million dollars. The only problem with Netwinner.com other than the need for a fast internet connection, is that it is based on luck and can sometimes be very frustrating.

There are lots of different sites online claiming to practically make money for you. All you have to do is sign up! Sadly I am yet to find one that is true. I've also tried just about every survey site that seemed legit to me. Surveyspot.com and several others. I was quite excited because most of them claim that thousands of dollars are at your fingertips. All you have to do is spend fifteen minutes filling out a survey and will finally have tapped into the secret flow of money that will let you quit your job! The problem though is that I signed up for all of them. Because like they say, several small streams of money turns into a lot of it! So my email inbox was swamped with surveys and I chuckled to myself thinking of the millions of poor saps who hadn't discovered this gold mine. Then I hit the wall that we all run into on our search, I almost never qualified to take any of the surveys! Then when I finally did qualify for one, it took me an hour to fill out for three dollars that I never even received. So I gave up on the survey thing and had to abandon an email address.

Then I found Associated Content. For me it is the rose among thorns. There are no scams, they don't flood your inbox with junk, and they are very professional. I am very thankful that finally someone decided to do something legit online where honest people can make some honest money. It is a great place for writers to write what they like to write about and see the fruits of their labor. Not only through getting paid for their articles, but also because they can see how many people have read each article they have written. That can be very encouraging. So I salute you Associated Content! I thank you on behalf of all those who love you!

There are hundreds if not thousands of websites offering to help you make money. The vast majority of them are scams. Beware of anything that claims you can make thousands of dollars a day. However keep some hope, there are a select few out there that really are worth the time. Sites like Associated Content and Netwinner.com are fun and safe and are worth looking into. So happy hunting and may you find the legendary site that can truly make money for you, wherever it may be.


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<b>News</b> Corp. Shareholder Objects to G.O.P. Donations - NYTimes.com

A private foundation owning stock in the News Corporation sent a letter objecting to company's contributions to Republican causes.

T-Mobile Reducing Data Cap, Will Throttle Speeds After 5GB Of <b>...</b>

Bad news for those of you that use more than 5GB of data each month. Starting October 16th, T-Mobile will enforce a new policy that will reduce data speeds.

Great <b>news</b>: Obama says he&#39;s learned that “there&#39;s no such thing as <b>...</b>

Great news: Obama says he's learned that “there's no such thing as shovel-ready projects” for public works.


big seminar 14

<b>News</b> Corp. Shareholder Objects to G.O.P. Donations - NYTimes.com

A private foundation owning stock in the News Corporation sent a letter objecting to company's contributions to Republican causes.

T-Mobile Reducing Data Cap, Will Throttle Speeds After 5GB Of <b>...</b>

Bad news for those of you that use more than 5GB of data each month. Starting October 16th, T-Mobile will enforce a new policy that will reduce data speeds.

Great <b>news</b>: Obama says he&#39;s learned that “there&#39;s no such thing as <b>...</b>

Great news: Obama says he's learned that “there's no such thing as shovel-ready projects” for public works.


big seminar 14




















































Monday, October 11, 2010

Making Money Online Scams


eric seiger

<b>News</b> just in: Joan Sutherland has died - Slipped disc

News just in: Joan Sutherland has died. Dame Joan Sutherland, the dominant opera soprano after Maria Callas, has died at her home in Switzerland, her record company has announced. She was a month short of her 84th birthday. ...

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Jonas Brothers Pay Tribute To John Lennon - Starpulse.com

The Jonas Brothers have filmed a video tribute to John Lennon to mark what would have been the late Beatle's 70th birthday on Saturday. The young pop stars cite Lennon as their greatest musical i...


eric seiger

eric seiger

<b>News</b> just in: Joan Sutherland has died - Slipped disc

News just in: Joan Sutherland has died. Dame Joan Sutherland, the dominant opera soprano after Maria Callas, has died at her home in Switzerland, her record company has announced. She was a month short of her 84th birthday. ...

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Jonas Brothers Pay Tribute To John Lennon - Starpulse.com

The Jonas Brothers have filmed a video tribute to John Lennon to mark what would have been the late Beatle's 70th birthday on Saturday. The young pop stars cite Lennon as their greatest musical i...


eric seiger

eric seiger

cashgiftmoney by j91romero


eric seiger

<b>News</b> just in: Joan Sutherland has died - Slipped disc

News just in: Joan Sutherland has died. Dame Joan Sutherland, the dominant opera soprano after Maria Callas, has died at her home in Switzerland, her record company has announced. She was a month short of her 84th birthday. ...

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Jonas Brothers Pay Tribute To John Lennon - Starpulse.com

The Jonas Brothers have filmed a video tribute to John Lennon to mark what would have been the late Beatle's 70th birthday on Saturday. The young pop stars cite Lennon as their greatest musical i...


eric seiger

eric seiger

cashgiftmoney by j91romero


eric seiger

<b>News</b> just in: Joan Sutherland has died - Slipped disc

News just in: Joan Sutherland has died. Dame Joan Sutherland, the dominant opera soprano after Maria Callas, has died at her home in Switzerland, her record company has announced. She was a month short of her 84th birthday. ...

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Jonas Brothers Pay Tribute To John Lennon - Starpulse.com

The Jonas Brothers have filmed a video tribute to John Lennon to mark what would have been the late Beatle's 70th birthday on Saturday. The young pop stars cite Lennon as their greatest musical i...


eric seiger

cashgiftmoney by j91romero


eric seiger

<b>News</b> just in: Joan Sutherland has died - Slipped disc

News just in: Joan Sutherland has died. Dame Joan Sutherland, the dominant opera soprano after Maria Callas, has died at her home in Switzerland, her record company has announced. She was a month short of her 84th birthday. ...

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Jonas Brothers Pay Tribute To John Lennon - Starpulse.com

The Jonas Brothers have filmed a video tribute to John Lennon to mark what would have been the late Beatle's 70th birthday on Saturday. The young pop stars cite Lennon as their greatest musical i...


eric seiger

<b>News</b> just in: Joan Sutherland has died - Slipped disc

News just in: Joan Sutherland has died. Dame Joan Sutherland, the dominant opera soprano after Maria Callas, has died at her home in Switzerland, her record company has announced. She was a month short of her 84th birthday. ...

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Jonas Brothers Pay Tribute To John Lennon - Starpulse.com

The Jonas Brothers have filmed a video tribute to John Lennon to mark what would have been the late Beatle's 70th birthday on Saturday. The young pop stars cite Lennon as their greatest musical i...


eric seiger

<b>News</b> just in: Joan Sutherland has died - Slipped disc

News just in: Joan Sutherland has died. Dame Joan Sutherland, the dominant opera soprano after Maria Callas, has died at her home in Switzerland, her record company has announced. She was a month short of her 84th birthday. ...

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Jonas Brothers Pay Tribute To John Lennon - Starpulse.com

The Jonas Brothers have filmed a video tribute to John Lennon to mark what would have been the late Beatle's 70th birthday on Saturday. The young pop stars cite Lennon as their greatest musical i...


how to lose weight fast big seminar 14
big seminar 14

cashgiftmoney by j91romero


big seminar 14
big seminar 14

<b>News</b> just in: Joan Sutherland has died - Slipped disc

News just in: Joan Sutherland has died. Dame Joan Sutherland, the dominant opera soprano after Maria Callas, has died at her home in Switzerland, her record company has announced. She was a month short of her 84th birthday. ...

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Jonas Brothers Pay Tribute To John Lennon - Starpulse.com

The Jonas Brothers have filmed a video tribute to John Lennon to mark what would have been the late Beatle's 70th birthday on Saturday. The young pop stars cite Lennon as their greatest musical i...


big seminar 14

Making money online myths abound. Myths about earning money online include that of making big money. For any man or woman who is making money on the Internet or has a money making business from home, you certainly know what these myths are.

I earn money online (making money writing), and I also have a money making business from home that's offline (freelance editorial work), and quite frankly, I'm a little fed up with myths that surround men and women who are making money online from a home based business.

Myth # 1

Men and women who work from home earn big money. Where did this work myth come from anyways? Though many money making opportunities and money making scams claim to be home-based, this doesn't mean that stay-at-home money making ideas translate into big money. Just the opposite may be true, when you consider that the home-based office often lacks the tools necessary to carry out big business. Many work at home men, women and moms must invest 10-12 hours a day in their business just to pay basic bills.

Myth # 2

Men and women who work from home have lots of free time. Yeah, right. Maybe you've heard those money making secrets radio ads in which some fluffy voiced woman claims she makes $5,000 a month working only nine hours a week. She's a paid voice-over reading a script. These radio ad people speak beautifully: no stammering, tripping over words or other speech mishaps that a real interviewee would exhibit. That's how you can tell they're fake.

Myth # 3

Men and women who work from home feel socially cut off from the community and isolated. This is so untrue. In fact, a person at a regular job may feel isolated, working in a cubicle with no windows. Any time the home-based workers wishes for human contact, they can step outside and walk down the street and start conversation with the first person they see. Or they can head for the gym or park in the middle of the day.

Myth # 4

Men and women who work from home are lonely. The home-based worker has more freedom to take a break and socialize, than a person who's trapped inside a building in a traditional office job, or a person who's in a car, van or truck all day making deliveries or performing services.

Myth # 5

Men and women who work from home miss out on intellectual stimulation. I am more intellectually stimulated making money writing from home than I was listening to the mindless drivel of co-workers at the Denver Post where I used to work.


big seminar 14

<b>News</b> just in: Joan Sutherland has died - Slipped disc

News just in: Joan Sutherland has died. Dame Joan Sutherland, the dominant opera soprano after Maria Callas, has died at her home in Switzerland, her record company has announced. She was a month short of her 84th birthday. ...

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Jonas Brothers Pay Tribute To John Lennon - Starpulse.com

The Jonas Brothers have filmed a video tribute to John Lennon to mark what would have been the late Beatle's 70th birthday on Saturday. The young pop stars cite Lennon as their greatest musical i...


big seminar 14

<b>News</b> just in: Joan Sutherland has died - Slipped disc

News just in: Joan Sutherland has died. Dame Joan Sutherland, the dominant opera soprano after Maria Callas, has died at her home in Switzerland, her record company has announced. She was a month short of her 84th birthday. ...

Sea Ice <b>News</b> #26 | Watts Up With That?

That is good news, maybe carbon was not the best thing for the global warming crowd to hang their hat on, or maybe it was all just a snow job from the beginning. They seem to be hanging on to it but when the ship is sinking, ...

Jonas Brothers Pay Tribute To John Lennon - Starpulse.com

The Jonas Brothers have filmed a video tribute to John Lennon to mark what would have been the late Beatle's 70th birthday on Saturday. The young pop stars cite Lennon as their greatest musical i...


big seminar 14