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Money Making Secrets

Blogger Andrew Trench recently presented a theory on the threshold of when Internet penetration starts to matter, writing:

Social networks have also been given plenty of credit for the revolution unfolding in Egypt.

So I went and had a look at the numbers over on www.internetworldstats.com to see what they could tell us about these two scenarios. Well, fascinatingly, both Egypt and Tunisia have seen a massive growth in internet users and internet penetration over the last 10 years.

Both have now got internet penetration of over 20% and in Tunisia's case it was as high as 34%.

While it is clearly simplistic to over-state this factor and there must be many more drivers contributing to such a rapid political uprising, it is obviously a factor as evidenced by the Egyptian regime pulling the plug on the country's internet access to try and block the rising tide of revolt.

My back-of-napkin theory is this: that a rapid increase in internet penetration in a repressive regime does play an important role as it provides an unfettered channel of communication allowing disaffected citizens to share views - and more importantly - to rapidly organise and mobilise.

If Egypt and Tunisia are valid case studies, it looks like internet penetration of around 20% is the mark.

Geopolitics & Macroeconomics adds:

Internet penetration: Social networking sites were critical to sustaining the momentum in the recent protests. The internet penetration in Egypt is 16%. In Libya, it is a meagre 5% [1]. The unrest in Libya has thus far remained concentrated in regions that are geographically distant from the seat of ‘real' power (see more on this below). The dependence of momentum on internet communication is far greater in Libya than in Egypt where protests began in Cairo itself.

Taking the conversation to Pakistan, Sabene Saigol writes, on BrandRepublic:

Perhaps one reason for this is that we're still not that used to communicating via the ‘net - maybe we need greater broadband and internet penetration. Personally I think it is more to do with culture - while Pakistani internet users are savvy to using social media to connect with friends, I feel they have not yet ‘crossed over' to seeing SM as a means for professional communications - or even wider social communications that go beyond their immediate circle. Yes, there are no doubt savvy people - both within marketing and tech circles, and outside - however, these people are likely a tiny proportion of the total number of ‘net and social media users.

Blogger Andrew Trench recently presented a theory on the threshold of when Internet penetration starts to matter, writing:

Social networks have also been given plenty of credit for the revolution unfolding in Egypt.

So I went and had a look at the numbers over on www.internetworldstats.com to see what they could tell us about these two scenarios. Well, fascinatingly, both Egypt and Tunisia have seen a massive growth in internet users and internet penetration over the last 10 years.

Both have now got internet penetration of over 20% and in Tunisia's case it was as high as 34%.

While it is clearly simplistic to over-state this factor and there must be many more drivers contributing to such a rapid political uprising, it is obviously a factor as evidenced by the Egyptian regime pulling the plug on the country's internet access to try and block the rising tide of revolt.

My back-of-napkin theory is this: that a rapid increase in internet penetration in a repressive regime does play an important role as it provides an unfettered channel of communication allowing disaffected citizens to share views - and more importantly - to rapidly organise and mobilise.

If Egypt and Tunisia are valid case studies, it looks like internet penetration of around 20% is the mark.

Geopolitics & Macroeconomics adds:

Internet penetration: Social networking sites were critical to sustaining the momentum in the recent protests. The internet penetration in Egypt is 16%. In Libya, it is a meagre 5% [1]. The unrest in Libya has thus far remained concentrated in regions that are geographically distant from the seat of ‘real' power (see more on this below). The dependence of momentum on internet communication is far greater in Libya than in Egypt where protests began in Cairo itself.

Taking the conversation to Pakistan, Sabene Saigol writes, on BrandRepublic:

Perhaps one reason for this is that we're still not that used to communicating via the ‘net - maybe we need greater broadband and internet penetration. Personally I think it is more to do with culture - while Pakistani internet users are savvy to using social media to connect with friends, I feel they have not yet ‘crossed over' to seeing SM as a means for professional communications - or even wider social communications that go beyond their immediate circle. Yes, there are no doubt savvy people - both within marketing and tech circles, and outside - however, these people are likely a tiny proportion of the total number of ‘net and social media users.

Surface Encounters

Chad Ochocinco of Cincinnati Bengals gets reserve spot on Sporting KC

After a five-day tryout, NFL star Chad Ochocinco has been awarded a spot on the reserve team for Sporting Kansas City of Major League Soccer.

Surface Encounters

New York Yankee <b>News</b>: Granderson, Chavez, Joe West and Barry Bonds <b>...</b>

All the Yankee news you need. ... News links: Feliciano, Romulo, Chavez and the Canseco twins. Mar 2011 by Travis G - 51 comments. Around SB Nation. Game Thread #-1: Brewers @ Padres. Mar 2011 from Brew Crew Ball - 4 comments ...

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PS3 Jailbreak: Hotz strikes back PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of PS3 Jailbreak: Hotz strikes back.

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Apple advertises its products as magical. They’re at the intersection of “technology and the liberal arts,” Steve Jobs said today. Something that moves your heart, not just your lust for technology. Will consumers still buy that in 2011?

The big picture question of the day is whether Apple has done it again. With the original iPad, Apple crushed its rivals, taking more than 90 percent of the tablet market in 2010 and selling more than 15 million units. Jobs predicted today that 2011 will be the year of the iPad 2. Based on what I have seen today, I think he’s mostly, but not entirely, right.

Competitors will discover that Apple has a lot of inherent financial advantages, including being a low-cost leader. That may not sound intuitive, but I believe it has to be true. It is selling so much volume of its products that it can get discounts on parts and manufacturing services that no one else can get.

When it sells its products in stores, it also doesn’t have to give away 20 percent of the margin to a retailer. That is a huge financial advantage. Carriers are also willing to subsidize the costs of Apple products in a way that they won’t with other tablet vendors. All of these things may explain why the Motorola Xoom, a very cool product, is selling for $800 while Apple has priced its new devices at $499 to $829, (and dropped the price of the old iPad to $399). Apple has also left very little room for rivals here, since it has signed up both AT&T and Verizon. Perhaps there is room for rivals to sell $199 machines, but users probably aren’t going to like them.

Those are reasons why any cool Apple mobile product could beat other rivals. But Apple has also done some smart things with the iPad 2. It has created another rev of its microprocessor, the A5, which has two cores, or computing brains. And it has nine times faster graphics than its old A4 chip. Since Apple designs this chip itself, it doesn’t have to give away much margin to a chip design firm. It only has to give a small margin to a chip manufacturer such as Samsung to make the chips.

Apple has also custom-designed the A5 to run Apple applications on a device with a 10-hour battery life. Apple should have an edge there, as it won’t sell the A5 to rivals. But if this is an advantage, it isn’t likely to last long, as Nvidia is being very aggressive with a new quad-core chip that it could sell to any Android rivals.

The design of the iPad 2 is where Apple has more advantages. The iPad 2 will have faster web-browsing with a new version of Safari. It has two cameras that will inspire a lot of video and photo-related apps. The availability of the Mac applications — iMovie, Garage Band, and Photo Booth — on the iPad 2 will make a lot of users happy. More interesting features will come with new releases of the iOS, or Apple’s operating system in the fairly near future.

There are some users who won’t like the restrictions of Apple’s ecosystem. If they want universal serial bus (USB) and SD card ports, they are out of luck. Apple didn’t change the resolution of its screen either, leaving it at 1024 x 768. Competitors could add these options and put emphasis on them as selling points. (Critics are disappointed that Apple did not improve the display, but that’s a big cost issue others have too).

Apple has also made great improvements in the feel of the product. It’s 33 percent thinner, 2 ounces lighter, and it has a wonderful new screen cover that doubles as a stand for the device. (It wakes up the device when you peel it back and it has micro-fibers that clean the screen when the cover is on).

Now here is why Jobs is not entirely right. Apple has come up with a stunning machine at prices that the competitors will have a hard time beating. But it is almost inevitable that Android-based tablets will gain market share on Apple.

So far, I don’t see the Android machine that will beat the iPad 2. But the potential is there, given ingredients such as Android 3.0, Nvidia Tegra 2 chips and other fast microprocessors, and 4G LTE. The latter is the main weakness in Apple’s armor.

LTE is fast, with a minimum speed on Verizon at around 12 megabits a second and actual speeds running much higher than that now. Getting access to 4G LTE is as big a benefit as having access to lots of cool apps, from my point of view. Right now, the timing of the still-young LTE technology means that Apple cannot yet put it into its mass-produced, lowest-cost tablet computers.

If LTE costs come down sometime soon, then Apple can launch a new version of the iPad to incorporate the technology. But it’s not a simple upgrade, as it means that the hardware of the machine — including the radio chip — has to change. And for now, LTE chips are larger than their 3G equivalents, so the heat dissipation and product size are affected. In other words, LTE can force Apple to redesign the iPad.

Apple can do that. But Android tablet makers might be able to move faster than Apple directly into the 4G LTE tablet market. If they do that, then they will have found a scenario where they could steal a march on Apple. Apple is not likely to let that gap last for a long time, but it might be enough for Apple to lose some share this year.

Apple’s leadership position in this market will be hard to beat, but the collective weight and reach of Android rivals could erode it. And here’s a sobering thought: If Apple eventually winds up with only 30 percent of the tablet market, it could still be No. 1, and its place as the largest technology company in the world will not be at risk.

Check out Apple’s overview video on the iPad 2 and Jobs’ comments on technology and the liberal arts below.

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The Found Animals Foundation is an LA-based non-profit devoted to saving the lives of animals and solving the problem of animal overpopulation. Founded by Dr. Gary Michelson, a billionaire entrepreneur with a lifelong love of animals, Found Animals blends compassion with innovation and business sense. The organization does everything from working with local shelters to finding homes for strays to offering multi-million dollar incentives for research on animal sterilization.

The foundation will be opening its first ever "Adopt and Shop" retail space next month, so we caught up with Aimee Gilbreath, Executive Director of Found Animals, to find out a little bit more about the foundation, its goals, and LA's newest "pet shop."

HP: What is Found Animals most committed to?

AG: Our mission at Found Animals is to minimize the number of pets killed in animal shelters. We believe that our society, in the 21st century, can do far better than killing 4 million animals each year at a cost to taxpayers of over $2 billion annually. We look for innovative, entrepreneurial approaches to solving this problem. Over the past three years we have built a world class team of business and science professionals and launched programs that include sterilization, microchipping, owner support, adoption and more. Found Animals considers Los Angeles our test market for programs with plans to export successful ideas.

HP: What is the one thing you are most proud of that Found Animals has been able to accomplish?

AG: I’m most proud of our accomplishments with the Michelson Prize and Grant program. It’s our own version of the X-Prize and offers $25 million in prize money for creating a low cost non-surgical sterilant for use in cats and dogs. In addition, we are offering up to $50 million in grant funding to help researchers develop a prize winning technology. Sterilization is one of the best tools we have in our arsenal to reduce the number of unwanted pets that crowd the shelter system and overwhelm available resources. Unfortunately, current surgical spay/neuter approaches are expensive and often difficult to access for the pets and people who need them most. A “doggie Depo Provera” or “Kitty Norplant” type of product would revolutionize how we manage the pet population.

We created the program from scratch and its world class. Our Director of Scientific Research, Dr. Shirley Johnston, is world renowned in small animal reproduction and our Scientific Advisory Board is comprised of experts in many fields. Our program staff has created a fantastic grant process and we do outreach to scientists worldwide. So far we’ve received over 140 grant applications and a dozen projects have been approved for funding totaling over $5 million.

The Found Animals Foundation is an LA-based non-profit devoted to saving the lives of animals and solving the problem of animal overpopulation. Founded by Dr. Gary Michelson, a billionaire entrepreneur with a lifelong love of animals, Found Animals blends compassion with innovation and business sense. The organization does everything from working with local shelters to finding homes for strays to offering multi-million dollar incentives for research on animal sterilization.

The foundation will be opening its first ever "Adopt and Shop" retail space next month, so we caught up with Aimee Gilbreath, Executive Director of Found Animals, to find out a little bit more about the foundation, its goals, and LA's newest "pet shop."

HP: What is Found Animals most committed to?

AG: Our mission at Found Animals is to minimize the number of pets killed in animal shelters. We believe that our society, in the 21st century, can do far better than killing 4 million animals each year at a cost to taxpayers of over $2 billion annually. We look for innovative, entrepreneurial approaches to solving this problem. Over the past three years we have built a world class team of business and science professionals and launched programs that include sterilization, microchipping, owner support, adoption and more. Found Animals considers Los Angeles our test market for programs with plans to export successful ideas.

HP: What is the one thing you are most proud of that Found Animals has been able to accomplish?

AG: I’m most proud of our accomplishments with the Michelson Prize and Grant program. It’s our own version of the X-Prize and offers $25 million in prize money for creating a low cost non-surgical sterilant for use in cats and dogs. In addition, we are offering up to $50 million in grant funding to help researchers develop a prize winning technology. Sterilization is one of the best tools we have in our arsenal to reduce the number of unwanted pets that crowd the shelter system and overwhelm available resources. Unfortunately, current surgical spay/neuter approaches are expensive and often difficult to access for the pets and people who need them most. A “doggie Depo Provera” or “Kitty Norplant” type of product would revolutionize how we manage the pet population.

We created the program from scratch and its world class. Our Director of Scientific Research, Dr. Shirley Johnston, is world renowned in small animal reproduction and our Scientific Advisory Board is comprised of experts in many fields. Our program staff has created a fantastic grant process and we do outreach to scientists worldwide. So far we’ve received over 140 grant applications and a dozen projects have been approved for funding totaling over $5 million.

Surface Encounters

URGENT: Plutonium detected in soil at Fukushima nuke plant: TEPCO <b>...</b>

URGENT: Plutonium detected in soil at Fukushima nuke plant: TEPCO. TOKYO, March 28, Kyodo. Plutonium has been detected in soil at five locations at the crippled Fukushima Daiichi nuclear power plant, Tokyo Electric Power Co. said Monday ...

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Radioactive trench water not confirmed to have overflowed: agency <b>...</b>

Radioactive water that has been filling up underground trenches connected to the crippled reactors at the Fukushima Daiichi nuclear plant has not been confirmed to have overflowed, the government's Nuclear and Industrial Safety Agency ...

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Making Money System

By Richard Smith, a recovering capital markets IT specialist

Housing Wire’s Paul Jackson has another post up continuing his row with Yves over securitization chain of title issues. It presents itself as a rebuttal of her previous post, about an Alabama trial court decision that Jackson deems to be a significant defeat, but which Yves and more recently Adam Levitin have argued is both insignificant and not very relevant.

Normally I’d leave the two of them to slug it out. However, Jackson’s weekend submission, in which he says he is “going to address her latest talking points” piqued my interest. Rather than addressing any of the substance of the post itself, he mounts a bizarre attack on the motives of the attorneys behind the Alabama case, based on a pretty peculiar interpretation of one of Yves’ comments to the post. The comment:

Are you kidding? Each side spent over $250K on this case. Trials where you are making real legal arguments, as opposed to presenting papers for a judge to approve, are costly. And Alabama billing rates are a lot lower than in other states. For borrower’s counsel, since the borrower has no money, the “spent” is what their time was worth plus hard dollar expenses (experts witnesses and so on). They are out the real out of pocket real costs.

The banks’ lawyer gets paid, so yes, this is an epic fail for the bank. I’ve mentioned this in other posts. The more borrowers fight cases, the more loss severities are gonna rise. Investors already are losing 70% on the average foreclosure and housing prices are projected to fall further in most states this year. If on top of that they start having more cases with 300% losses on foreclosure, investors might wake up and finally do something a lot more serious to pressure servicers.

Sooo…bank attorneys run up a tab fighting a foreclosure in a pretty obscure courthouse, that results in a 300% loss to investors, when all the borrower’s attorney wanted was the house back and a loan modification. The big numbers are the result of the bank attorney’s posture, and of eleventh hour moves that many judges would have rejected: introducing an allonge on the eve of the trial. This was clearly a bad economic result for the borrowers’ attorney! It was not hard to see that the trial had become a war of escalation, with the bank’s attorney in an ideal position to up the ante. The post makes clear that unlike the bank’s lawyers, borrower’s counsel was “out”, in hard dollar terms, vastly less than the total, which would have to include the opportunity cost of unpaid for billing time.

For Jackson this somehow becomes the basis for a statement of his worldview: that everyone is greedy, ergo these attorneys must be too! In his own words:

Morality and the accompanying emotions to that noble love of justice are simply a varnish for the fires of greed. In other words, everything is about the money, and if you can find a viable angle to make more of it than someone else. And I mean everything.

Taking guidance from this exceedingly dubious, indeed self-refuting claim (if it’s all about the money, we can’t trust Jackson either, can we?) is quite foolish. In fact Jackson doesn’t really believe it either: elsewhere in his oeuvre, we find a bizarre exception to his rule:

Believe it or not, mortgage servicing is a noble industry. Or, at least, it’s supposed to be. Even in managing borrower defaults and repossessing property, there is something noble to the work, underneath it all — and it comes from following the law, enforcing contracts, ensuring that our nation’s system of property rights maintains its integrity for all Americans.

Though it could be that he’s just slapping a spot of varnish, on some fires of greed, for the money; I do hope that varnish isn’t flammable, Mr Jackson, or you may decide you are underpaid.

At any rate, armed only with his distractingly inept imagery and his defective moral compass, Jackson sets out on a fishing trip, in his latest, and gets hopelessly lost almost immediately:

Yves tries to suggest that in writing about the Congress case I was claiming “Mission Accomplished,” attempting to associate me with an infamous Dubya moment during the far-from-over war in Iraq. Nothing could be further from the truth.

If you have the attention span of a gnat, you might take this at face value. On the other hand, the very next sentence says this:

Yves spends a fair amount of time suggesting that the effect of the Congress case elsewhere will be muted, if it has any effect all. In attempting to minimize the relevance of this case, however, what she misses is an important reality: that the defense here saw fit to mount one in the first place.

So make your mind up, Mr Jackson: is the case widely relevant or not?

Or was the choice of court and case, perchance, simply something of a goof by some attorneys looking to develop a theory that might have more lucrative applications? That’s one sensible conclusion you could draw, and a basic step in puzzling that out, that does not even occur to Jackson, is doing some minimal research and actually looking up the plaintiff’s lawyers. And the idea that deep pockets types would go to of all places Alabama, not exactly known for cutting edge jurisprudence or friendliness to consumers, and hire two no-name attorneys to represent a black borrower, is beyond belief. If you are Jackson, though, you skip the homework, or the sanity check, and go for the ASF paranoia:

In many ways, the plight of the distressed borrower is a convenient lever to pull if — for example— you’re a buyside Wall Street firm that decided to load up with cheap nonagency mortgage-backed securities in the wake of the market’s collapse, betting on a mechanism that could open the door to damage claims and settlements worth more than the securities themselves. Or maybe a mortgage insurer looking for novel ways to repudiate claims en masse.

I’m not at all suggesting that’s what went on here…

I have a suggestion straight back at Mr Jackson: if you want to not suggest something, the best way is simply not to make the suggestion. Otherwise, it looks as if you’re trying to have it both ways.  Keeping the accusation vague is a smart move, admittedly, if you happen to be a bit clueless and not very brave. Bill Gross for one has made the trade that Jackson mentions, but does Jackson actually mean Bill Gross? He doesn’t say. Perhaps he doesn’t want Bill Gross on his case.

Yves by contrast doesn’t care a bit, roundly dissing Mr Gross’s self interested utterances. Ultimately, Jackson is too vague to be interesting here: it’s just a smear. As for the mortgage insurer theory: there’s no evidence for that either; just Tom Adam’s prior employment history and his occasional contributions at this blog. Mortgage insurers can make claims directly, on the very same theory that Naked Capitalism and the Congressional Oversight Panel have discussed. They have no reason to test a theory on a case in a largely irrelevant jurisdiction. And there are business reasons that the monolines are going the putback case route rather than this one. Remember that most of the MBS exposure (excluding CDOs) that monolines have is via HELOCs or second liens. That may put them in a position similar to that of the big banks: unwilling to take action on the first lien mortgages for fear of write downs on the second liens.

Yes, Bill Gross and MBIA and others are out there. And if they want to work the legals to make some money, or claw some back, they, or others like them, will. It’s really hard to see why the output of “Naked Capitalism” would so heavily in their ruminations as to be worth paying for (if that is what Jackson’s insinuating: he doesn’t seem to be able to bring himself to spell it out).

All of this stuff of Jackson’s is irrelevant and pretty much content-free;  but still, it’s an interesting glimpse of sell-side anxieties.

So what really matters about this case? Three things: the unfortunate Erica Congress, who has had her hopes dashed twice over now, once when she couldn’t pay her mortgage and a second time when she was turfed out of her house; and two blithe but pernicious affirmations by the judge: first, that an allonge doesn’t have to be affixed to the note, which just opens up the floodgates for document fabrication, and second that “digital signatures” are valid endorsements to the note.

Unfortunately, neither Jackson nor the judge seem to grasp the difference between a digital signature, “a mathematical scheme for demonstrating the authenticity of a digital message or document”, as Wikipedia has it, and a digitally reproduced signature, a simulacrum that can be knocked up in minutes by any sad sack in a servicer that can use Photoshop, Word, and a laser printer, and doesn’t authenticate anything at all, least of all a transfer of title. Using 21st century technology to recreate a state of screwed-up title that hasn’t existed in anglophone countries since the mid-17th century is nothing to crow about, Mr Jackson. As a citizen of the US, it ought to make your blood run cold. It’s not just about the money.

At any rate, the more this stuff is talked about, the more lawyers (in less frivolous jurisdictions) will furrow their brows about the damage being done to the integrity of basic property transfers. So we will keep the pot boiling.

"The American system of public education is the greatest mechanism for social and economic mobility in the history of the world." I wish I had said that. Actually, it was my friend Tim. Tim is a conservative Republican. Let me clarify that. At various points in his life Tim has been a professional conservative Republican, with credentials that make Scott Walker look like an over-promoted Boy Scout. Among other things, Tim was the Chairman of California College Republicans, a member of the CA GOP State Executive Committee, and a GOP nominee for state Assembly. In other words, there is nothing liberal or Democratic about recognizing the fact that an assault on public education is an assault on equality.

I do not mean to minimize the extent of inequalities in American education that Jonathan Kozoll and Jennifer Hochschild have so ably documented. And Wisconsin is no different. Since 1993 the state has employed an insanely complicated system of "tiered" state and local funding that numerous analyses show has resulted in money being funneled toward wealthier districts and away from those most in need. The poorer districts in Wisconsin are already operating on a shoestring. But despite all its defects, it remains the case that in America, and specifically in Wisconsin, publicly funded education is a powerful equalizing force, almost the only one left.

Scott Walker's budget seeks to change all that. The budget that Walker unveiled on March 1st contains cuts to education that will devastate Wisconsin's traditionally fine system of public schools, including specific provisions that end state funding for Advanced Placement courses and "science, technology, engineering and mathematics programs," among many other things. There is a great deal to be said about those cuts and their likely consequences, but the cuts in state funding are actually not the most disturbing part of Walker's budget. What is even more disturbing is this: Walker's budget mandates a 5.5% cut in per-pupil local education spending, approximately $550 per pupil. This has absolutely nothing to do with balancing the state budget: it doesn't save the state a dime. This rule specifies that overall education spending must decline regardless of the wishes of the residents of a local district. No district will be permitted to maintain even its current level of property tax-based funding for education, let alone increase that tax to offset state cuts.

Again, this is a provision that does not save the state a dime (not to mention making a mockery of the idea of local control.) To mandate cuts in local spending on top of cuts in state spending is astonishing. Do the math (and thank your math teacher): cuts in state funding plus cuts in local funding equals the end of all those "special" programs. In poorer districts the effects will be even more extreme; here is an excellent analysis by Andre Reschovsky (LaFollete School of Public Affairs) of the distribution of economic effects across districts.

But never mind the poor districts for a moment. What's going to happen in the wealthier districts? I find it hard to believe that Wisconsin Republicans (let alone Democrats) will want to send their children to schools that offer no AP classes or advanced courses in math and science, not to mention drug education programs, language programs, and K-5 enrichment programs. And in fact, that's not likely to happen. Instead, what is likely to happen is a whole new level of inequality.

The first thing that is likely to happen is that families who can afford it will flee the public schools; Walker's budget is the best advertisement for Wisconsin private schools that could be imagined. One local private school in the Madison area reports double the number of inquiries compared with a year ago -- and that was before the budget was unveiled.

And there's another solution: privatize public education. That's what happened in Seattle. Years ago, confronted by deep cuts in education spending, local districts established private foundations. Alumni and current parents contribute money which is then spent in the district. One of the most successful is Roosevelt High School in Seattle: they boast the only full time drama program in the state, funded by private spending. Here's the web site for Roosevelt's private foundation. The list of current grants covers a range of items, including Chemistry textbooks. The school's principal is on the Board of Directors. Now take a look at the names on the Advisory Board: the name "Nordstrom" gives you some idea of the socioeconomic profile of the district. As for other districts that cannot sustain a private foundation? They'll just have to do without Chemistry textbooks. And Washington's shortage of funding for public education is nothing compared to the scenario that Governor Walker is unleashing on Wisconsin.



The budget that Governor Walker announced today cannot be described by any of the usual terms. This is a budget that is targeted like a guided missile, and its target could not be more clear: Governor Walker wants to destroy the state's system of publicly funded education and replace it with charter schools (teaching certification not required), private schools, and private funding.

This would be shocking anywhere -- in Wisconsin it is inconceivable. Let me tell you something about Wisconsin. We like to think we are not just another state. At the University of Wisconsin we talk a lot about "the Wisconsin Idea," the idea that we have a specific mission to serve the public of our state in the tradition of the land grant colleges. Every semester I have been here I have met at least one student who has told me that he or she is the first person in their family to go to college. Those students are the best thing about teaching at a public university. They are what public education is all about. They come from small towns in the northern part of the state, often from families that operate farms or small businesses in their communities. They leave here and they go on to become lawyers or scientists or teachers, or to start businesses of their own.

This is what the Tea Party's capture of the Republican Party has brought us. Right here in Wisconsin we are sounding the death knell for the single greatest mechanism of social and economic mobility that the world has ever known.

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New Company Promises to Give You a Pretend Facebook Girlfriend

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Bill Burt, a diver searching for the wreckage of the Spanish ship Nuestra Senora de Atocha, finds a 17th century chain worth $250000 on the ocean floor.

Small Business <b>News</b>: Creative Marketing Secrets

Marketing for your small business can be part art/part science. But however you would describe it, it is the key to both getting new customers and keeping the.

Search engine optimization Vancouver For A Better Marketing Solution

 

When you start your own website there are lots of ways you will have to sell it off and something of the best ways is to use SEO services Vancouver if you be in that area. The SEO or search engine optimization services will be the top method of getting good visitors to your site and therefore making more sales.

 

Now, you need to know that you will not use SEO service if you're no online business - but then again, if you don't come with an online presence if you are a offline business, then you will not make it very far.

 

It is a popular proven fact that if you are going to really make it within the offline world you need to have an online business. This is something which all people are learning hard way. Something that you should also know is the fact that it is not as easy as just establishing the web site and leaving it to complete its things.

 

This can be done in most sorts of ways, but these companies usually make use of multiple methods to create the perfect marketing technique online. You will be able to hire these phones write articles for you, post on forums and blogs, create meta tags and meta descriptions, cleanup the code, add alt tags to the images plus much more.

 

It is crucial that you simply do this because otherwise the company you have worked so difficult for could wind up losing the money. When you have a website you want to produce, then you'll also use the services of a search engine optimization company, which stands for search engine optimization company. What this company does is actually take the best areas of your site, look into the code, create keywords and write various articles and documents to ensure your website is placed near the the surface of the list for the major search engines like google.

As a result the Search engine optimization company cannot only increase your traffic, but also make sure that your site is fully optimized for the internet search engine spiders that'll be introduced to it. These spiders are utilized to analyze your site and place it in a few positions determined on certain keywords.

 

If you wish to make use of the Search engine optimization Vancouver then all you've got to complete is discover the top companies. It's through these how the SEO gets done effectively and efficiently. Because of so many SEO companies to choose from you need to be certain the one you're going for is reliable. You ought to be in a position to request a failure of what you want, and the company also needs to have the ability to let you know know long they've been operating for. This can narrow down their email list to reveal the top ones.

 

Search engine optimization Provided by Different Vancouver Web Companies

The Vancouver SEO company services are extremely beneficial for business growth because they provide quality services. If you're planning to create a website for the online business, then you've come to right article as I is going to be explaining below how Search engine optimisation Vancouver company services can improve your website ranking making it popular.

Before that, you need to know what Search Engine Optimization is. It's not that complicated and I'm sure you will get a grasp of it reading my article. The main goal of SEO is to get increased traffic aimed at your website and audience. It's a good decision to choose a Vancouver SEO company that specializes in this kind of work, which means that your website could be listed in search engines.

There isn't any reason for you having a website with no website ranking at all while you won't get any business and profits to survive. It's a very tough atmosphere available because there are a lot of internet business people just like you, who want their share of pie. You have to be aware of the fact that nearly 85% of internet traffic can be got from internet websites.

When a user types inside a keyword or keywords for what he/she wants to know in various sites, these use crawlers to obtain websites using the relevant content and index them based on algorithms. It's not necessary to be worried about the algorithms which these sites use as that isn't important.

To appear in the first page of the search result, you will have to hire professionals and pros who can do the needful to keep your site among the good books during these websites. These professionals can optimize your website content to ensure that your site gets more traffic.

When the traffic gets high, it is a sign that you're obtaining a service that will get you more revenues. SEO Vancouver company do the following to make your site appear inside the first page of search results.

Use keywords which are popularly utilized on search engines in your website content.
Have a web design for your website that is simple because top sites are allergic to flash and weird designs.
Submit your website to directories.
Submit your website to directory websites.
Postings on blogs and forums with back-links to your websites. This is considered as an effective way to get increased traffic to your website as numerous online users use blogs and forums.

SEO Vancouver company also perform site diagnostics which is a significant part in online optimization as research and analysis on finding keywords is the method to start a SEO campaign. So, be sure you select the right SEO Vancouver company.

Are you searching for more info regarding SEO Vancouver? Visit http://www.seo4vancouver.com/seo-services.asp today!

 

What to anticipate When Getting a Roofer

When it comes time to repair or even substitute your homes roof, it can be a daunting job to locate somebody that is actually qualified to do the job. There are lots of roofing companies out there, but the ones who'll do a congrats for any reasonable cost aren't often simple to find. If you are in the market for a service provider, use the ideas beneath with regard to interviewing as well as hiring the right one.

Interview and Consultation

Most roofers offer totally free consultation services. This is especially important, because it provides them a chance to evaluate exactly what your roof requirements, and it provides you with a chance to evaluate them. As with all of companies, believe in intuition concerning the individuals you allow up on your roofing. No issue how great the contractor's status or suggestion, he ought to start by showing a person with a business greeting card. If the service provider occurs looking as well as talking in an less than professional manner, chances are that the task he is going to perform may also be less than professional. This is not to say that you should anticipate contractors to arrive in fits. They is going to be hiking in your roof, so the majority of will be dressed in denim jeans as well as function boots or even athletic shoes. If the actual service provider appears to be more interested in talking upon their cell phone while on your homes roof than he is within analyzing your roof's needs, which may be another sign that he is not really the one for the job. For your legal protection, be certain that the contractor has sufficient legal responsibility insurance.

Roof Evaluation

Expect the contractor is going to be going up on your roof. Actually, any kind of service provider who not want to increase in your roof to judge the issue should be instantly reduced. Those who are serious about their own function will either create a sketching of the roof's surface as well as mark problem areas on it because they undergo their evaluation, or they will take photos or even video from the surface while they are available online for. This is an extremely important action, because it allows you to see just what the problems are and know how they will be fixed.

Estimate

The next phase will be the written estimate. The service provider will take out his calculator and are available track of an itemized estimation. Some companies goes out to their own vehicle or even truck as well as write up the actual suggestion, while some may crisis the numbers to do the job prior to you. Once you are given the suggestion, make sure that you understand exactly which items will be used, how long the job will take and if you will find any extra or hidden expenses that may arise throughout the repair from the roof. The contractor will be able to solution all of these concerns with ease and forewarn a person of any extra costs that might be sustained if the roof's integrity be broken within.

After you have received several written estimates from roofing contractors, assess exactly what each organization or service provider is willing to provide for that cost. Do not necessarily low cost the greatest bet, simply because occasionally the greatest bet will in reality be the service provider who does the job properly. Additionally, be skeptical associated with bids which are not nearly as expensive others. They might be using inferior products or be untruthful about the possibility of concealed expenses. Most importantly, believe in intuition as well as go with the actual service provider who makes you feel quite comfy about giving more than your money.