Friday, January 28, 2011

Ways of Making Money

Home typing jobs – a real way to make money from home by dina anderson get paid daily, typing at home no experience “ad companies all over the world currently have over plant propagation techniques that work great at home ” learn how to make money. Make great money working at home with my data team truth parlor get rich scheme this is a legitimate company page 1 my data team come join the team learn how to make money online typing of going to work that’s what i do to make great money. Learn how to make great money typing ads for companies an online ad saying, make $1,000 per day typing at home typing online there are plenty of companies of and ad read more how to start a typing service and make money. Xpress jobs around bangalore – oodle.com he s worked with companies like aol and clicks on one of those ads, you make money keep and i figured if i could make money from something i was already doing, how great would.







When people ask you what you’d want to be doing in an ideal world, yell, “Space cowboy!” Whisper, “Obstetrician.”


Use your days to browse seven-dollar DVDs at Duane Reade. To organize Skittles by color on your kitchen table. To write Mars, Inc. a letter entitled: “Why So Few Purples?” To Photoshop bangs onto your forehead. To wonder when you say “pineapple peanut” aloud, if anyone else in the world is saying “pineapple peanut” at the exact same moment.


Go to a dinner party where you only vaguely know someone. When people there ask how your job is going, say “It is the best!” with an exclamation mark at the end and with big eyebrow movements. Drink too many glasses of white wine from a bottle you brought and uncorked yourself. Decide you’re going to write a novel. No, a children’s book. No, you’re going to teach children. No, you’re going to go back to school and become a teen counselor. You’re going to move to New Zealand and get pregnant and raise a Kiwi. You’re going to discover alternative fuel sources. You did always like science camp. At least the parts where you made goop from corn starch.


Decide you really don’t go to enough museums. Start making a list of exhibits you want to see. Turn it into a list of ex-boyfriends. Count how many of them wore glasses. How many of them took you home for Christmas. How many of them smelled like Old Spice, or preferred obscure foreign films, or were in a band with a female lead singer with good bangs. Make a bar graph of how you felt about each of them throughout the time dated. Notice clear patterns of decline.


Decide you’re going to start taking naps during the day because you write better at night. Spend a lot of time lying in bed with your eyes closed, having day-mares about the rest of your life. In these day-mares, you are older and married and sexless, fighting about the price of private schools while you pee and your husband plucks his nose hairs. Everything about the way he talks annoys you, and everything about the way you talk annoys yourself. Imagine he owns orange Crocs or pre-frayed denim. Decide to never get married. Open your eyes. Write in the notebook on your nightstand, “Alternatives? Polygamy? Raising a baby on a farm with four of your best lady friends? …Screenplay idea?”


Know that you’d feel better about things if you joined a gym and exercised regularly. Google gyms in your area. Browse their weekly classes. Realize you’d actually be great at Prenatal Kickboxing. Or Postnatal Medicine Ball Underhand Tossing. Or Reggae Groove Sidestep. Sign up for free trials at all of the gyms. Every day thereafter, answer your phone and tell Julio or Brenda that you’re out of town now, but you will test out their facilities upon your return.


Realize that if you were a guy, you could donate sperm for money. Wonder why none of your unemployed friends are donating their sperm. Feel brilliant. Write a mass e-mail to your male friends with the subject heading, “Your sperm for sale?” Delete that. Change it to, “Hand-y way to make fast cash!” Say aloud, “You’re welcome.”


In addition, e-mail everyone you’ve ever worked for or met. Ask them if they know of any job openings. Say, “I’m not even picky! Willing to sell out!” But still, refuse to work for your old boss. It’s called dignity.


Previously: Some Futures I Thought I Might Have


Emma Barrie has also written for the New York Times and This Recording.




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Wednesday, January 26, 2011

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[blogsearch]

sOptQTT

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

<b>News</b> Corp. chief James Murdoch wants to toss the newspaper onto <b>...</b>

James Murdoch is the chairman and chief executive of News Corp. And he's the son of Rupert Murdoch, the mogul who created the far-flung media empire that includes everything from Fox Broadcasting to the Wall Street Journal. ...



MEUohdH

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

<b>News</b> Corp. chief James Murdoch wants to toss the newspaper onto <b>...</b>

James Murdoch is the chairman and chief executive of News Corp. And he's the son of Rupert Murdoch, the mogul who created the far-flung media empire that includes everything from Fox Broadcasting to the Wall Street Journal. ...



LTeTvY

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

<b>News</b> Corp. chief James Murdoch wants to toss the newspaper onto <b>...</b>

James Murdoch is the chairman and chief executive of News Corp. And he's the son of Rupert Murdoch, the mogul who created the far-flung media empire that includes everything from Fox Broadcasting to the Wall Street Journal. ...



oEgogk

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

<b>News</b> Corp. chief James Murdoch wants to toss the newspaper onto <b>...</b>

James Murdoch is the chairman and chief executive of News Corp. And he's the son of Rupert Murdoch, the mogul who created the far-flung media empire that includes everything from Fox Broadcasting to the Wall Street Journal. ...



hrKyWA

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

<b>News</b> Corp. chief James Murdoch wants to toss the newspaper onto <b>...</b>

James Murdoch is the chairman and chief executive of News Corp. And he's the son of Rupert Murdoch, the mogul who created the far-flung media empire that includes everything from Fox Broadcasting to the Wall Street Journal. ...



QromY

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

<b>News</b> Corp. chief James Murdoch wants to toss the newspaper onto <b>...</b>

James Murdoch is the chairman and chief executive of News Corp. And he's the son of Rupert Murdoch, the mogul who created the far-flung media empire that includes everything from Fox Broadcasting to the Wall Street Journal. ...



eMRUC


hAuhMJZN

PROFESSOR OF POP: KUSF In The <b>News</b>

KUSF In The News. Members of the San Francisco Board of Supervisors yesterday condemned the sale of KUSF's 90.3 fm frequency to an out-of-town broadcaster. The SF Weekly covers the story at some length here. ...

Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

<b>News</b> Corp. chief James Murdoch wants to toss the newspaper onto <b>...</b>

James Murdoch is the chairman and chief executive of News Corp. And he's the son of Rupert Murdoch, the mogul who created the far-flung media empire that includes everything from Fox Broadcasting to the Wall Street Journal. ...

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[blogsearch]

eric seiger

AMERICAblog <b>News</b>: Financial Crisis Inquiry Commission: Crisis was <b>...</b>

While this doesn't come as much of a shock to anyone who lives outside of the Washington bubble, it may be big news inside the bubble. Of course it was avoidable and of course both Democrats and Republicans deserve plenty of blame. ...

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

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

Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

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


eric seiger

AMERICAblog <b>News</b>: Financial Crisis Inquiry Commission: Crisis was <b>...</b>

While this doesn't come as much of a shock to anyone who lives outside of the Washington bubble, it may be big news inside the bubble. Of course it was avoidable and of course both Democrats and Republicans deserve plenty of blame. ...

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

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

Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

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


eric seiger

AMERICAblog <b>News</b>: Financial Crisis Inquiry Commission: Crisis was <b>...</b>

While this doesn't come as much of a shock to anyone who lives outside of the Washington bubble, it may be big news inside the bubble. Of course it was avoidable and of course both Democrats and Republicans deserve plenty of blame. ...

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

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

Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

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


eric seiger

AMERICAblog <b>News</b>: Financial Crisis Inquiry Commission: Crisis was <b>...</b>

While this doesn't come as much of a shock to anyone who lives outside of the Washington bubble, it may be big news inside the bubble. Of course it was avoidable and of course both Democrats and Republicans deserve plenty of blame. ...

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

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

Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

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


eric seiger

AMERICAblog <b>News</b>: Financial Crisis Inquiry Commission: Crisis was <b>...</b>

While this doesn't come as much of a shock to anyone who lives outside of the Washington bubble, it may be big news inside the bubble. Of course it was avoidable and of course both Democrats and Republicans deserve plenty of blame. ...

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

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

Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

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


eric seiger

AMERICAblog <b>News</b>: Financial Crisis Inquiry Commission: Crisis was <b>...</b>

While this doesn't come as much of a shock to anyone who lives outside of the Washington bubble, it may be big news inside the bubble. Of course it was avoidable and of course both Democrats and Republicans deserve plenty of blame. ...

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

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

Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

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


eric seiger
eric seiger

AMERICAblog <b>News</b>: Financial Crisis Inquiry Commission: Crisis was <b>...</b>

While this doesn't come as much of a shock to anyone who lives outside of the Washington bubble, it may be big news inside the bubble. Of course it was avoidable and of course both Democrats and Republicans deserve plenty of blame. ...

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

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

Bunga-Bunga: Berlusconi On The Ropes? « Liveshots

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

Monday, January 24, 2011

Online Reputation Management The Latest Craze

When organizations or people today fall prey to unfair competitors, irate ex-employees or disgruntled customers, then a SERM gets to be essential from the economic survival of a online business.

Firms like SERMs are necessary in sustaining, and in some circumstances salvaging and restoring corporations or person's popularity and beneficial identify.




On the internet searches are one particular on the primary points that fashionable day consumes do prior to investing income with a enterprise or individual, and one particular terrible click can necessarily mean economic disaster to get a enterprise, specifically in this ever increasing cyber financial system. Recognition for these SERMs are boosting by leaps and bounds with the realization it isn't prudent to attempt to conduct business on this cyber age rather than possess a SERM on retainer alongside your accountant as well as your lawyer.






Businesses are also appreciating the collateral advantage of having a Status Management agency on-board as an integral part of their small business model, its superb advertising! Whereas securing a company's very good popularity and title online, it generates wonderful press and constructive publicity that eventually adds greatly to the bottom line of a company's stability sheet, generating the companies to virtually pay for by itself in lots of circumstances.




This tends to become an extremely sturdy marketing position for companies also as folks, to understand that they are cleansing and guarding their reputations and cyber photographs, while concurrently operating an incredibly successful promoting initiative. Occasionally organisations completely disregard their former advertising efforts online and opt for the benefits of Online Status Management.




Possessing a SERM firm in your facet is with out a doubt the way in which to go within this cyber age. For far more important information on online reputation management and corporate reputation management, Please visit us at http://removeripoffreports.net/

Help Making Money



After Blue Shield shocked the nation with 59% premium hikes in California last week, the company just refused a request from the elected insurance commissioner to stop the increases for 60 days.  



Blue Shield is making the case for tough premium regulation, because is has proven that it has the power to raise rates as much as it wants at will and refuse even a modest request from the elected insurance commissioner.



After spending the day walking the halls at the state Capitol in Sacramento yesterday, I can tell you Blue Shield made a big mistake when it decided to price gouge its customers. The state legislature is ready for a fight to give the insurance commissioner power to approve or to deny health insurance premium increases before they take effect.  If that fight fails, Consumer Watchdog will help the voters decide through a ballot measure whether government should have the power to regulate and roll back excessive premiums.



Blue Shield made an offer in an errant press release it later recalled which no regulator or policyholder can accept. The company said it would let an independent actuary decide rate justification, and decided to live by the policy when news broke.  The problem is that in the absence of legislated standards for what is an excessive premium, an independent actuary has no basis for review of the premium's reasonableness other than whether there is an error in addition, multiplication or subtraction.




Questions abound about how Blue Shield can justify its 59% premium hike other than by the means it seeks -- an actuary to say all the math is good. The standard Californians deserve is that the rates are not excessive or discriminatory. That's the standard for the prior approval of auto and homeowner insurance rates in California that are rejected or accepted by our elected insurance commissioner. The standard saved drivers $62 billion on their auto insurance according to the Consumer Federation of America.



Blue Shield is more opaque than any health insurance company in California because of its unique tax status. We don't know how much the CEO makes, nor can we adequately see the company's the books since it is neither publicly traded nor a tax exempt charity that must make its tax returns public.  Suspicion is Blue Shield cooked its books, and hid big sums of money, to justify the 59% increase.




Only subponeas and special investigative hearings will determine the truth in the absence of new authority given to the elected insurance commissioner Dave Jones. Legislation by Assembly Member Feuer will give the commissioner that power and it is precisely what Blue Shield's second PR problem in two weeks sought to derail.  Once again, Blue Shield has made the case for exactly the tough regulation it seeks to stop.







Although credit cards make it easy for us to purchase the things we want, we all know they can make our purchases harder to pay off. So why not consider developing a savings plan rather than an interest debt for your next major purchase or long-term goal? Whether you’re saving for college, retirement, a new computer, or a vacation, having a savings plan could help you achieve your goal.

There are several online calculators that work similar to using formulas in Excel spreadsheets. These calculators help you see more clearly how much money you can save over time by cutting back on spending or making better choices about the purchases you make. A savings plan means you may still buy the things you want or need, but you do so by not incurring more expenses.

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Budgeting & Saving Using Mint

First off, in order to make your goal(s) attainable, you will probably need to budget your spending in order to start saving or increase your savings. One online service you might try for this entire budgeting and savings process is Mint. Back in June I reviewed how to use this free service to develop a budgeting plan. Since then, Mint.com has added another feature, aptly called Goals.

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Mint makes it super easy to set up a savings plan for nearly any type of goal, including paying off a debt, buying a car, taking a trip, buying a home, or saving for retirement. If none of their template plans fit your needs, you can customize your own.

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Mint.com will keep you updated about the progress of your savings plan. Setting up a Mint.com account, a budget, and a savings account require a little time, but the site features work so well together that it’s worth the effort.

Savings Calculator

Another calculator which you can use without registering an account is found on Dinkytown. This calculator includes formulations for college savings, a savings plan for buying a home, and how much you could possibly save by not smoking, drinking, or over shopping.

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It can even provide calculations for how much you might save each month by bagging your lunch instead of eating out. Want to make a cool million? It will show how to develop a savings plan for that too. When you actually see these numbers, it may very well make you realize how attainable your goals actually are. Matter of fact, the calculator will even show you how much it‘s costing you to delay any type of savings plan.

College Savings Planner

If you’re looking to start a savings plan for your children‘s college education, you might take a look at Vanguard’s College Savings Planner.

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The calculator provides a rough estimate of how much you will need to set aside based on the tuition (in-state or out-of-state) and the type of college your child might attend.

Savings With Interests

If you’re looking to start a long-term savings plan, many online bank and credit unions includes savings calculators.

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Mappingyourfuture.com provides a really simple savings calculator that computes anticipated future savings based on an initial deposit, monthly savings, interest rates, and number of years. The site also provides tips for saving for college and paying off student loans.

Savings Calculator For Your Website

If your savings plan involves the visitors to your website, Frograte provides a set of formula calculations, including loan, mortgage, and credit card debts.

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Posting the calculations and code on your site may be useful for an organization involved in a collective savings plan. Frograte says that their “savings calculator is based on monthly compounding, check the details of your account for the compounding period. Accounts that are compounded daily, or yearly will vary slightly from the calculated results”.

Energy Savings Calculator

Developing a savings plan is just not limited to what you can set aside from your income. You might be able to save based on upgrading your refrigerator, or getting rid of your clunker and purchasing a new car.

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Engerystar.com provides a calculator to help you determine how much you might save by buying an energy savings refrigerator.

New vs Used Car Calculator

Similarly, if you’re needing to purchase a car, AOL.com provides a handy calculator for determining how much you might save buying a new car as opposed to a used one.

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By using one of the above or similar calculators, you can get a more factual estimate of your savings goals as opposed to just guessing off the top of your head.

Let us know of other calculators and money saving tips you know about.

Image credit: Shutterstock.com


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Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.


bench craft company reviews bench craft company reviews

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.


bench craft company reviews bench craft company reviews

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.


bench craft company reviews bench craft company reviews

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.


bench craft company reviews bench craft company reviews

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.


bench craft company reviews bench craft company reviews

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.


bench craft company reviews bench craft company reviews

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.


bench craft company reviews bench craft company reviews

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.


bench craft company reviews bench craft company reviews

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.


bench craft company reviews bench craft company reviews

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.


bench craft company reviews bench craft company reviews

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.


bench craft company reviews bench craft company reviews

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.


bench craft company reviews bench craft company reviews

Hype Is Not <b>News</b> But We Keep Acting Like It Is

This morning I read a headline from the Wall Street Journal that had promise, especially as it could impact online ...

Transfer <b>news</b>: Liverpool step up pursuit of Ajax star Luis Suarez <b>...</b>

Liverpool step up Suarez pursuit, Real Madrid eye Benzema swap deal for Drogba and Sunderland plot bid for West Ham striker.

Keith Olbermann: Possibly trading <b>news</b> for scripted TV gig with <b>...</b>

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The dust has barely settled on Keith Olbermann's empty chair at MSNBC, but a few serious rumors are already swirling about the anchor's next move.

Tuesday, January 18, 2011

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Proponents of the rule of law were cheered last week by the Massachusetts Supreme Court's decision that banks had to prove they held a mortgage to foreclose on it, one of the niceties that has seemed to have gone by the wayside in the housing crisis.



Never fear, banksters, the Third Way has jumped in with a proposal [pdf] in response to the US Bank v. Ibanez decision in Massachusetts. Yves Smith takes a comprehensive look at the proposal.




Their proposal, not surprisingly, is yet another bailout.


The big difference between the original and the new, improved version of the bailout model is that the payouts to the banks were at least in part visible the first time around. This is an effort yet again to spare the banks any pain, not only at the cost of the rule of law but also of investor rights.


This proposal guts state control of their own real estate law when the Supreme Court has repeatedly found that "dirt law" is not a Federal matter. It strips homeowners of their right to their day in court to preserve their contractual rights, namely, that only the proven mortgagee, and not a gangster, or in this case, bankster, can take possession of their home.


This sort of protection is fundamental to the operation of capitalism, so it’s astonishing to see neoliberals so willing to throw it under the bus to preserve the balance sheets of the TBTF banks. Readers may recall how we came to have this sort of legal protection in the first place. England learned the hard way in the 17th century what happens with low documentation requirements: abuse of court procedures, perjury and corruption become the norm. Parliament enacted the 1677 Statute of Fraudsto establish higher standards for contracts, such as witnessing by a third party, to stop the widespread theft of property that was underway.


The memo completely ignores the harm to investors from the bank mistakes and lacks any provisions for damage to investors to be remedied.  Moreover, denying borrower rights removes their leverage to obtain deep principal mortgage modifications, which for viable borrowers produces lower losses than costly foreclosures and sales of distressed property. Thus this shredding of contractual protections in mortgages not only hurts borrowers but also harms investors.


So to save the banks from their own, colossal abuses of contracts that they devised, the Third Way document advocates Congressional intervention into well established, well functioning state law. This is a case where these matters can and should be left to the courts and ultimately state AGs to coordinate the template of a more broadbased solution.


But this proposal is this memo is a direct result of the banks losing in court and the fear that they will continue to lose.  The Massachusetts Supreme Judicial Court Ibanez decision is clearly the trigger for the release of this plan. The SJC said its decision was merely articulating well established law.  Consistent application of these principles will mean more losses for the banks.  This memo is clearly an attempt to stop this as soon as possible. The real message of this document is clear: we can’t permit justice to prevail if it will hurt bank profits and balance sheets.



Why worry about what a bunch of wankers at Third Way propose? Because those wankers have emerged, particularly now with Third Way board of trustees member Bill Daley on his way to the White House (once he sells his $7.6 million worth of JP Morgan Chase stock). Yves writes, "These people sit at the nexus of politics and finance, and are conduits for big bank friendly information flow into the administration and Congress." When it comes to economic policy, they are frighteningly influential.



And as Marcy convincingly argues, they think there should not be any consequences for the banksters who have been illegally seizing people's homes. For the Third Way, the rule of law just doesn't apply to everybody.



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


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


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


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


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


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


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



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Friday, January 14, 2011

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


Without further ado, here are the graduates:


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


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


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


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


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


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


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


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


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


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


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


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


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


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



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


Without further ado, here are the graduates:


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


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


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


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


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


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


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


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


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


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


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


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


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


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



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Thursday, January 13, 2011

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Wednesday, January 05, 2011




 

"Philanthrocapitalism" and the Lucky Duckies

by digby


If you read nothing else today, be sure to read Cynthia Freeland's piece in the Atlantic about the new super-rich. She discusses what may be the most important aspect of the plutonomy --- the fact that it's unmoored from national allegiance. This is an important insight and gets to what I think is really the big transformation of our time: the unraveling of the nation state. You see it in these international institutions like the IMF and in huge multi-national corporations, of course. But I hadn't realized until I read this just how much the super-rich had adopted a transnational identity.

I'm not entirely sure that it's a bad thing in the long run --- there's nothing that says the nation state is the only possible human organizing principle. It's actually fairly new in historical terms. Something different could feasibly end up being better. But at the moment the only people who are currently benefiting from this new arrangement are the very wealthy and powerful. And there is a very good chance that this will not go well for regular folks in the long run either.

In the meantime, here's what we are dealing with:
If you are looking for the date when America’s plutocracy had its coming-out party, you could do worse than choose June 21, 2007. On that day, the private-equity behemoth Blackstone priced the largest initial public offering in the United States since 2002, raising $4 billion and creating a publicly held company worth $31 billion at the time. Stephen Schwarzman, one of the firm’s two co-founders, came away with a personal stake worth almost $8 billion, along with $677 million in cash; the other, Peter Peterson, cashed a check for $1.88 billion and retired.

In the sort of coincidence that delights historians, conspiracy theorists, and book publishers, June 21 also happened to be the day Peterson threw a party—at Manhattan’s Four Seasons restaurant, of course—to launch The Manny, the debut novel of his daughter, Holly, who lightly satirizes the lives and loves of financiers and their wives on the Upper East Side. The best seller fits neatly into the genre of modern “mommy lit”—USA Today advised readers to take it to the beach—but the author told me that she was inspired to write it in part by her belief that “people have no clue about how much money there is in this town.”

Holly Peterson and I spoke several times about how the super-affluence of recent years has changed the meaning of wealth. “There’s so much money on the Upper East Side right now,” she said. “If you look at the original movie Wall Street, it was a phenomenon where there were men in their 30s and 40s making $2 and $3 million a year, and that was disgusting. But then you had the Internet age, and then globalization, and you had people in their 30s, through hedge funds and Goldman Sachs partner jobs, who were making $20, $30, $40 million a year. And there were a lot of them doing it. I think people making $5 million to $10 million definitely don’t think they are making enough money.”

As an example, she described a conversation with a couple at a Manhattan dinner party: “They started saying, ‘If you’re going to buy all this stuff, life starts getting really expensive. If you’re going to do the NetJet thing’”—this is a service offering “fractional aircraft ownership” for those who do not wish to buy outright—“‘and if you’re going to have four houses, and you’re going to run the four houses, it’s like you start spending some money.’”

The clincher, Peterson says, came from the wife: “She turns to me and she goes, ‘You know, the thing about 20’”—by this, she meant $20 million a year—“‘is 20 is only 10 after taxes.’ And everyone at the table is nodding.”

That's nice. One wonders whether Holly will be "satirizing" the lives of the millions of elderly Americans her father seeks to impoverish with his crusade to destroy social security. A crusade which Freeland inexplicably seems to think is a form of "philanthropy"!

Business cycles and the essence of long-run economic growth are distinct issues. Preventing recessions is not the key to growth, as these are regrettable but unavoidable companions to an economy directed by a capital allocation process that is susceptible to systematic failure. Preventing the last failure is pretty irrelevant, because the next systematic failure will be different. Last I checked, only the US government is offering low-down payment loans, and no one offers no-documentation loans, so our government is not really helping here. As for creating growth via something new, if centralized governments could do that, the Soviet Union would still be around.


That decentralized, self-interested, people can collectively make such large errors seems irrational or corrupt to many, but they should remember that growing economies require people to be making things better, which means, new ways of doing things. New ideas are often wrong. Economics has gone onto intellectual cul-de-sacs many times (socialism, Keynesian macro models, input-output models, Hilbert spaces in finance, Arbitrage Pricing Theory, Kalman-filter macroeconomic models, etc.). Other scientific disciplines have their own mistakes, and political mistakes--stupid wars--are also common. These are rarely conspiracies, but rather, smart people making mistakes because the ideas that are true, important, and new, are really hard to discern, and tempting ones are alluring when lots of other seemingly successful people are doing it.


My Batesian Mimicry Theory posits that recessions happen because certain activities become full of mimics, entrepreneurs without any real alpha who got money from investors looking in their rear-view window of what worked and focusing on correlated but insufficient statistics. For example, people assumed a nationally diversified housing prices would not fall significantly in nominal terms, because they had not for generations; people assumed anything related to the internet would make them rich in the internet bubble, conglomerates would be robust to recession in 1970, that the 'nifty fifty' top US companies had Galbraithian power to withstand recessions in 1973, that cotton prices would not fall in 1837, etc.


As in ecological niches, there is no stable equilibrium with when mimics arise to gain the advantages of those with a real, unique and costly, comparative advantage. Every so often there are too many mimic Viceroy butterflies, not enough real poisonous Monarch ones, and a massive cataclysm occurs as predators ignore the unpleasant after-effects and start chomping on all of them. The Viceroy population grows until this devastating event occurs, a species recession. Next time, it won't happen in butterflies, but rather, among frogs or snakes. They key is, some ecological niche is always heading towards its own Mayan collapse (distinct from the 2012 Mayan apocolypse).


The key to wealth creation is doing less with more--destroying jobs at the micro level and creating jobs at the macro level by reallocating capital and labor to more valuable pursuits. The computer got rid of things from typesetters, secretaries, to engineers working with slide-rules, but these people didn't stay unemployed, they did something else, making the economic pie bigger. This is antithetical to government and unions who think creating a permanent 'job' creates productivity--stability at the micro level and stagnation at the macro level. Wealth is created by having decentralized decision-makers focused on simple goal of making money, which means, they oversee transactions where revenues collected are greater than expenses paid. If externalities are properly priced (I know, most liberal think this never happens), this implies value is created. The continual improvements in method (ie, productivity, wealth creation) merely maintain profits in a competitive environment; to do nothing would see their profits eaten away by competitors would could easily copy what they did and just undercut their prices.


The key to this is having managers who keep their workers focused. A good example is a story I heard second-hand about a football player for Minnesota Vikings in the 1970s. Coach Bud Grant called this marginal player into a meeting, and said, 'Here's what I need you to do...'. The player, an articulate fellow quite confident in himself, interrupted with an explanation of why he wasn't doing better and suggestions about how to correct it, mainly focused what others were doing wrong. Grant cut him off: 'You don't understand. This isn't a negotiation. Do what I'm telling you, and you have a role here. Otherwise, you don't.' Hierarchies only work well when people have clearly defined goals, and managers who manage their direct reports singlemindedly.


Private firms can do this much more quickly and often than government, and are rewarded with investment and retained earnings to the degree they do it well. When the government wants to do something, like build a light-rail system, it instead satisfies all its stakeholders who have no financial downside, only veto power, and so the cost/benefit calculus is almost irrelevant. The probability that benefits will outweigh costs when not prioritized is negligible, as highlighted by the fact that companies have to work very hard to make this positive when all those other considerations are ignored.


Thus, Minneapolis's light rail, at the cost of $1.1B for 12 miles of track, takes me longer to go downtown than a car because it stops 19 times at places no one wants to go because these 'hubs' were then sold as development opportunities, and an unusual number of ex-city councilmen are part owners of coffee shops and stores near these stops. Ridership does not even cover their marginal costs. It could have worked if they had an express train that went non-stop from end to end, but doesn't because it was not designed with the goal of making money, only the hope.


Good companies like Facebook, Apple and Google, have this sense of really understanding their users. Lots of simple things that making going to their sites and getting what you want. Their inferior competitors are relatively ugly, cluttered, and clunky. These generally weren't genius ideas like the ideas needed to create the first transistor, or Cantor's diagonal argument, in that there competitors had similar raw competence in these field, but it did take people looking to do things better than others, and decisive people who could empathize with their customers created really great things.


Robin Hanson had a neat article about the Myth of Creativity, where he criticizes Richard Florida's vision of bohemian lead productivity:



This is a Star Wars vision of innovation: "Feel the force, Luke; let go of your conscious self and act on instinct." And it is just as much a fantasy as that celluloid serial. Innovation is no more about releasing your inner bohemian than it is about holding hands, singing Kumbaya, and believing in innovation.


In truth, we don't need more suggestion boxes or more street mimes to fill people with a spirit of creativity. We instead need to better manage the flood of ideas we already have and to reward managers for actually executing them.



Sure, it's good to punish fraudsters, and be wary of the stupid ideas that were passed off as brilliant in the prior cycle (eg, Angelo Mozilo winning the American Banker's Lifetime Achievement Award in 2006, celebrated by politicians on the right and left, prized by Fannie Mae, and Harvard, is now an example of the 'unregulated predatory private sector'). But this is like learning not to put one's hand on a hot stove--good to know, but old news to most. Our priority at the top level should be to get out of the way, and so government should focus on its essential but limited perennial tasks as opposed to creating some new engine of growth. Leave that for the millions of people making sure millions of small changes are constantly made to daily procedures. Such changes do not require vision from politicians, subsidies, or tax breaks, but are rather the natural by product of people trying to make a buck. It's the standard Hayek/Friedman view of macroeconomics, and it's still the best description of how the complex adaptive system of our economy works.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


bench craft company reviews bench craft company reviews

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

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

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

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

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.