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Tuesday, January 25, 2011
Monday, January 24, 2011
foreclosure statistics
Two years ago today, Barack Obama was inaugurated as president of the United States. Are you better off today than you were two years ago?
Numbers don't lie, and here are the data on the impact he has had on the lives of Americans:
...statistics show that despite Countrywide's representations, a much higher percentage of borrowers did not occupy the mortgaged properties:
...Overall, 18.3% of the loans sampled had recalculated LTV ratios of more than 10% higher than was claimed in the offering materials, and 6% of the loans sampled had recalculated LTV ratios of more than 25% higher than what was claimed in the offering circular. This overvaluation affected numerous statistics in the Offering Materials...For instance, the Offerings each made representations about the percent
of loans that had LTVs higher than 90% provide the lender little value
cushion to protect against borrower default and loss upon foreclosure.
However, the AVM indicates that a much higher percentage of the loans
had LTVs higher than 90%.
The Offerings uniformly represented that none of the Mortgage Loans that collateralized the Certificates had LTV ratios greater than 100 percent, meaning that the size of the loan is greater than the value of the property. (aka: being "underwater") Loans with over 100% LTV afford the lender no equity cushion and leave the lender with inadequate collateral from the outset of a loan. Allstate's analysis has found that, despite Countrywide's representations, a substantial number of Mortgage Loans had LTVs greater than 100%, as follows:
Allstate has also analyzed the weighted average LTV of the Mortgage Loans in each pool and has found that the weighted average LTV was also overstated, because of the overstatement of individual Mortgage Loans within the pools.
All these lies, and much, much more, can be found detailed in the filing below. At the risk of cheeiness, this is just a sampling of the sampling. And it demonstrates as all those who purchased loans from CFC/BofA that were repped to be in order, will find, following sampling or loan by loan analysis, that Brian Moynihan's bank committed acts of fraud after fraud, putting not only itself, but its underwriter counsel at risk time again. In fact, if there was anything remotely close to a working legal system in the US, what happened to Lehman's Repo 105 auditor, E&Y, should promptly befall every single underwriter's counsel which is jointly liable in representing that the data set forth by the underwriter is correct. But just as importantly, it means that of the hundreds of hundreds billions in loans sold by BofA to hapless dimwits, arguably the bulk of it is now subject to putbacks, and is of far worse quality than previously expected. It also means that the GSEs: those infinite receptacles of mortgage biohazard, are lying consistently when representing the state of their own books, which are likely orders of magnitude worse than the monthly status reports will indicate.
This is just starting to get interesting.
The full Allstate filing which is a must read for everyone is presented below.
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Aaron Sorkin's Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>
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bench craft company reviews bench craft company reviews
A tetralogy of science <b>news</b>
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Tuesday, January 18, 2011
Making Money Cash
Yes, the GOP’s new chairman needs to raise money. But his biggest challenge will be rebuilding the ground game, which cost Republicans precious seats last fall.
All but a handful of the 168 members of the Republican National Committee (RNC) wanted Michael Steele out, but the race for GOP chairman still took six ballots. While Wisconsin Chairman Reince Priebus led every round, he won the final one with 97 votes, just 12 more than he needed.
Reince Priebus conducts committee business after being elected chairman of the National Republican Committiee during the RNC Winter Meeting on Jan. 14, 2011. (Photo: Alex Wong / Getty Images)
The candidates largely agreed on the problems of the Steele era and many of the answers, but doubts lingered about every contender. Priebus’ advantage came from early endorsements by some of the committee’s respected figures, including Henry Barbour and Alec Poitevint, the national committeemen from Mississippi and Georgia, respectively. Enough committee members concluded if Reince was good enough for Henry and Alec, he was good enough for them.
Now comes the much harder part. The RNC is not just broke: it’s deeply in debt and reportedly without enough money to make payroll when the balloting began last Friday. The RNC has seen a nearly $50 million swing from almost $25 million in the bank when Steele became chairman to more than $21 million in the red when he left. The GOP HQ is likely to see checks roll in this week from donors grateful Steele is out, but it’s hard to raise money to pay off debt.
Priebus has told GOP insiders he understands the RNC’s grave financial position and will work the problem from both ends. He’s already fired Steele’s picks to run the 2012 Tampa Republican Convention. They were hired and dispatched to Florida last summer, more than a year before is customary, and immediately began running up big housing bills and other expenses. Priebus has also begun an extensive outreach to the GOP’s fundraising pooh-bahs to explain there’s a new fiscal regime in place. No more bloated entourages, sweetheart deals, and lack of financial oversight.
Priebus has begun an extensive outreach to the GOP’s fundraising poobahs to explain there’s a new fiscal regime in place. No more bloated entourages, sweetheart deals, and lack of financial oversight.
Despite Chairman Steele’s gaffes and financial shenanigans (like the big bar tab at a lesbian bar in L.A.), the RNC has seen healthy increases in direct mail and Internet giving. But this wasn’t matched by a growing total of larger gifts of up to $30,400, the limit for what the Republican and Democratic National Committees can accept. Steele didn’t do what a national chairman is supposed to do: spend lots of time on the phone begging.
Successful party chairmen spend half of their life on the phone or visiting major donors, making the case for checks from them and others in their rolodexes. This wasn’t Steele’s style. It will have to be Priebus’ style—and the major proven fundraiser he recruits as RNC finance chairman. There’s nowhere to go but up. Steele once tried to recruit a candidate for the finance job by promising to give a speech wherever the prospect wanted him to go. The guy turned Steele down, believing that if the chairman thought his making speeches was what made the cash register ring, Steele didn’t understand fundraising.
Then there’s the RNC’s political role. The good news for the quiet, almost shy but personable new chairman is he doesn’t have to do a lot of television. There is a phalanx of presidential candidates and congressional leaders to take on that task. He must focus on rebuilding the party’s once-vaunted ground-game operations handling voter identification, registration, and get-out-the-vote (GOTV).
The “72-Hour” or “Victory” program depends on volunteers drawn from local and state party committees and candidate campaigns. But only the RNC can provide the direction, training, technology, and metrics to guide these massive efforts. And the RNC’s cash flow is necessary to top off state party budgets in battleground states. Coming from Wisconsin, a place with a strong tradition of grassroots GOTV activity, Priebus knows all this is essential.
The GOP lost dozens of close contests in 2010 because the RNC provided only a fraction of the funding for “Victory” efforts that it has in years past. From more than half a dozen congressional races to gubernatorial contests in Vermont and Connecticut to Senate races in Nevada and Colorado, the RNC was virtually AWOL on get-out-the-vote efforts.
Restoring the RNC’s effectiveness requires time, discipline, leadership, and money. The new Republican national chairman has time and appears to have the needed discipline. Whether he gets the job done will depend on his leadership and fundraising.
Those on the RNC who know the new chairman think Reince is up for the big job. Lots of 2012 Republican hopefuls up and down the ballot hope that’s true. Count me as one. I made my contribution today online. Talk about change bringing hope.
Karl Rove served as senior advisor and deputy chief of staff to former President George W. Bush until 2007.
Like The Daily Beast on Facebook and follow us on Twitter for updates all day long.
For inquiries, please contact The Daily Beast at editorial@thedailybeast.com.
Yes, the GOP’s new chairman needs to raise money. But his biggest challenge will be rebuilding the ground game, which cost Republicans precious seats last fall.
All but a handful of the 168 members of the Republican National Committee (RNC) wanted Michael Steele out, but the race for GOP chairman still took six ballots. While Wisconsin Chairman Reince Priebus led every round, he won the final one with 97 votes, just 12 more than he needed.
Reince Priebus conducts committee business after being elected chairman of the National Republican Committiee during the RNC Winter Meeting on Jan. 14, 2011. (Photo: Alex Wong / Getty Images)
The candidates largely agreed on the problems of the Steele era and many of the answers, but doubts lingered about every contender. Priebus’ advantage came from early endorsements by some of the committee’s respected figures, including Henry Barbour and Alec Poitevint, the national committeemen from Mississippi and Georgia, respectively. Enough committee members concluded if Reince was good enough for Henry and Alec, he was good enough for them.
Now comes the much harder part. The RNC is not just broke: it’s deeply in debt and reportedly without enough money to make payroll when the balloting began last Friday. The RNC has seen a nearly $50 million swing from almost $25 million in the bank when Steele became chairman to more than $21 million in the red when he left. The GOP HQ is likely to see checks roll in this week from donors grateful Steele is out, but it’s hard to raise money to pay off debt.
Priebus has told GOP insiders he understands the RNC’s grave financial position and will work the problem from both ends. He’s already fired Steele’s picks to run the 2012 Tampa Republican Convention. They were hired and dispatched to Florida last summer, more than a year before is customary, and immediately began running up big housing bills and other expenses. Priebus has also begun an extensive outreach to the GOP’s fundraising pooh-bahs to explain there’s a new fiscal regime in place. No more bloated entourages, sweetheart deals, and lack of financial oversight.
Priebus has begun an extensive outreach to the GOP’s fundraising poobahs to explain there’s a new fiscal regime in place. No more bloated entourages, sweetheart deals, and lack of financial oversight.
Despite Chairman Steele’s gaffes and financial shenanigans (like the big bar tab at a lesbian bar in L.A.), the RNC has seen healthy increases in direct mail and Internet giving. But this wasn’t matched by a growing total of larger gifts of up to $30,400, the limit for what the Republican and Democratic National Committees can accept. Steele didn’t do what a national chairman is supposed to do: spend lots of time on the phone begging.
Successful party chairmen spend half of their life on the phone or visiting major donors, making the case for checks from them and others in their rolodexes. This wasn’t Steele’s style. It will have to be Priebus’ style—and the major proven fundraiser he recruits as RNC finance chairman. There’s nowhere to go but up. Steele once tried to recruit a candidate for the finance job by promising to give a speech wherever the prospect wanted him to go. The guy turned Steele down, believing that if the chairman thought his making speeches was what made the cash register ring, Steele didn’t understand fundraising.
Then there’s the RNC’s political role. The good news for the quiet, almost shy but personable new chairman is he doesn’t have to do a lot of television. There is a phalanx of presidential candidates and congressional leaders to take on that task. He must focus on rebuilding the party’s once-vaunted ground-game operations handling voter identification, registration, and get-out-the-vote (GOTV).
The “72-Hour” or “Victory” program depends on volunteers drawn from local and state party committees and candidate campaigns. But only the RNC can provide the direction, training, technology, and metrics to guide these massive efforts. And the RNC’s cash flow is necessary to top off state party budgets in battleground states. Coming from Wisconsin, a place with a strong tradition of grassroots GOTV activity, Priebus knows all this is essential.
The GOP lost dozens of close contests in 2010 because the RNC provided only a fraction of the funding for “Victory” efforts that it has in years past. From more than half a dozen congressional races to gubernatorial contests in Vermont and Connecticut to Senate races in Nevada and Colorado, the RNC was virtually AWOL on get-out-the-vote efforts.
Restoring the RNC’s effectiveness requires time, discipline, leadership, and money. The new Republican national chairman has time and appears to have the needed discipline. Whether he gets the job done will depend on his leadership and fundraising.
Those on the RNC who know the new chairman think Reince is up for the big job. Lots of 2012 Republican hopefuls up and down the ballot hope that’s true. Count me as one. I made my contribution today online. Talk about change bringing hope.
Karl Rove served as senior advisor and deputy chief of staff to former President George W. Bush until 2007.
Like The Daily Beast on Facebook and follow us on Twitter for updates all day long.
For inquiries, please contact The Daily Beast at editorial@thedailybeast.com.
Source:http://removeripoffreports.net/
Perfect Market, <b>news</b> ad firm, lands $9 million in funding round <b>...</b>
Perfect Market Inc, a start-up that seeks to help news organizations make more money through online advertising, has won $9 million in new funding in a round led by Comcast Interactive Capital, the cable giant's venture arm.
Police: 2 teens shot at California high school – This Just In <b>...</b>
[Updated at 4:05 p.m.] A suspect in an apparently accidental shooting at Gardena High School in California has been caught and handcuffed by police, according to footage aired by CNN affiliate KTLA shortly before noon PT.
Modern & Contemporary Design Platform / Good <b>News</b>/ Products <b>...</b>
so the user can be updated on the latest news, hopefully some Good news. Good news is made of 25mm lacquered oak veneer plywood. The product is "flat-packed" and is easily assembled by means of only one screw. ...
Friday, January 14, 2011
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Similarly, if part of the argument was over a bank account, Legal Aid will want repaying if there is a successful outcome with a value over £5,000. Let me give you a scenario. A couple are getting divorced and they are arguing over who owns the £50,000 in a bank account. The funded party claims that 50% of the money is theirs and the non-funded party is claiming that all the money belongs to them. The matter goes to court and the court decides that the money should be split 50/50 and awards £25,000 to the funded person. The bill for arguing litigation was £10,000.
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The board would want £10,000 of the £25,000.00 that was awarded leaving the legal aided person with only £15,000 out of the £25,000. Ouch! With regards to the exemption, if the amount that was being argued over was £10,000 and the award was 50/50 then half of £10,000.00 being argued over (assuming 50/50) is £5,000.00. There is a £5,000.00 exemption ring fenced and therefore the board would get nothing.
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Invest in some credit repair options. This process can take some time so be prepared and start as soon as possible. For as little as about per month you can retain a credit repair agency and hire them to work on your credit profile to remove 'dings and scratches.' These blemishes are hurting your credit report but the good news is that many of them can be removed. You can do a lot of this work yourself, but often times it is better and much easier to hire a team that has experience raising credit scores. Over the course of 4-12 months they can raise your credit score by more than 200 points often times.
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Free rental agreement forms by mail
The board would want £10,000 of the £25,000.00 that was awarded leaving the legal aided person with only £15,000 out of the £25,000. Ouch! With regards to the exemption, if the amount that was being argued over was £10,000 and the award was 50/50 then half of £10,000.00 being argued over (assuming 50/50) is £5,000.00. There is a £5,000.00 exemption ring fenced and therefore the board would get nothing.
cheap Free rental agreement forms online
Invest in some credit repair options. This process can take some time so be prepared and start as soon as possible. For as little as about per month you can retain a credit repair agency and hire them to work on your credit profile to remove 'dings and scratches.' These blemishes are hurting your credit report but the good news is that many of them can be removed. You can do a lot of this work yourself, but often times it is better and much easier to hire a team that has experience raising credit scores. Over the course of 4-12 months they can raise your credit score by more than 200 points often times.
buy cheap Free rental agreement forms
<b>News</b> Corp.'s iPad-only newspaper, The Daily, delayed, reports say <b>...</b>
The Daily, the iPad-only newspaper from Rupert Murdoch's News Corp., is being delayed a few weeks, according to the Associated Press. The digital paper is still working out subscription details, the AP said.
<b>News</b> Corp's The Daily iPad Newspaper Delayed By “Weeks, Not Months”
While we may all have our own opinions on whether News Corp's iPad-bound newspaper, The Daily, is a boondoggle or simply before its time, I think we were all at least looking forward to seeing what it was like. People were curious about ...
Blagojevich defense wants Obama subpoenaed - Chicago Breaking <b>News</b>
Attorneys for former Gov. Rod Blagojevich today asked a federal judge to subpoena President Barack Obama to testify in Blagojevich's upcoming corruption trial on charges that include allegations Blagojevich sought to sell Obama's former ...
Thursday, January 13, 2011
Making Money on Line
It’s being reported by BGR that some Best Buys may be unable to activate new T-Mobile lines at their stores. Normally, you may think “What’s the big deal?” but it’s causing issue for those hoping to buy the new Nexus S superphone. With Best Buy unable to activate a new service line through T-Mobile, some BGR readers are reportedly having to pay the full retail contract-free price of the Nexus S ($530) in order to assure that nobody else nabs their phone. Brutal!
BGR reached out to Best Buy’s press relations people, who apparently didn’t respond to their questions. Have any of our readers had this issue? We’d love to find out. Tell us about it in the comments section.
To briefly recap the specs of the Nexus S, it’s not a bad phone, though it’s basically a Galaxy S with Google branding and a curved display:
- 4-inch OLED contour display
- 1GHZ processor
- 512MB RAM
- 16GB storage
- Android 2.3
- 5MP Camera w/ LED flash
I believe as a whole, Americans are a very compassionate and caring group of people. Along with that, I believe that most Americans would not willingly or knowingly allow someone to go hungry or uncared for. The amount of charitable contributions we make each year to organizations whose mission it is to help those in a time of need demonstrates the compassion of Americans.
There is however, a stark difference in freely giving to charity and being forced to serve another. When the government provides a service, no matter what that service is, where does the money come from to fund it?
Taxation.
The only way for government to give one American anything is to first, through the tax code, take money from another American. It must forcibly use one American to serve another American. In most literal terms, forcibly using one person to serve another is the definition of slavery.
So why do we continue to allow our government to enslave us?
Some would argue that our government should be there to provide a safety net, but how big does that net really need to be? Studies have shown that people change their behavior when the government provides welfare. With the “Great Society” programs of the 1960’s, came an increase in the number of unwed mothers and conversely when welfare programs were reformed in the mid 1990’s, the number dropped.
Big cities like San Francisco and New York have some of the most generous homeless programs in the country — they also have some of the largest homeless populations as well.
In Europe, where unemployment compensation benefits are very generous, people spend less time looking for jobs and in some countries, the dole is actually a career opportunity. Up until recently, unemployment benefits in the U.S. were modest and as a result, people took jobs that were available. Now, it seems to most that unemployment benefits will be extended indefinitely — giving little incentive to take a job that’s less than perfect.
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Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
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Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
bench craft company reviews bench craft company reviews
Apple, <b>News</b> Corp. Delay "Daily" iPad Newspaper | Peter Kafka <b>...</b>
Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch.
<b>News</b> Story Details
... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...
Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite
The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...
Monday, January 10, 2011
Making Money Your
Weekly Pulse: GOP Plays Chicken with the Debt Ceiling
By Lindsay Beyerstein, Media Consortium blogger
Sen. Jim DeMint (R-SC) is calling for a "big showdown" over the upcoming vote to raise the nation's debt ceiling to $14.3 trillion from $13.9 trillion. The debt ceiling is simply the maximum amount the government can borrow.
Congress routinely raises the debt ceiling every year. It's common sense: Since the government has already pledged to increase spending, Congress must authorize additional borrowing. (Remember that the government is now forced to borrow billions of extra dollars to pay for tax cuts for the wealthy, which Republicans insisted on.) If the ceiling isn't raised, the United States will be forced to default on its debts, with catastrophic consequences.
Why would default be catastrophic? The principle is the same for countries and consumers alike: If you have a good track record of paying your bills, lenders will lend you money at lower interest rates. If you don't pay your bills on time, or default on your obligations altogether, lenders will demand higher interest rates.
Congressional Republicans say they oppose raising the debt ceiling because they favor fiscal responsibility. This kind of rhetoric is the height of recklessness. The interest on our debts is a big part of government spending. Even idle talk about defaults could spook some creditors into raising interest rates on U.S. debt and cost taxpayers dearly.
Steve Benen of the Washington Monthly quotes Austan Goolsbee, chair of the White House's Council of Economic Advisers, who says that congressional GOP members are flirting with the "the first default in history caused purely by insanity."
Making work pay (for real)
An astonishing 80% of full-time minimum wage workers can't afford the necessities of life, according to new research by labor economist Jeannette Wicks-Lim of the Political Economy Research Institute, featured on the Real News Network.
Wicks-Lim argues for a two-part solution to the crisis of working poverty in America: i) raising the federal minimum wage to $12.30/hr from $7.50/hr; ii) Increasing the earned income tax credit to 40% of income. She estimates that these two policy changes would raise the income of a minimum wage worker from $15,000 to about $36,000 at a manageable cost to employers and taxpayers.
Her proposal is a revamp of President Bill Clinton's attempt to "reform" welfare by cutting social service benefits and shifting government spending to tax credits. Currently, the Earned Income Tax Credit is a subsidy for the working poor that is designed to "make work pay"--i.e., if workers aren't making enough in wages to secure a decent standard of living, the government provides an income subsidy to reward them for working.
However, if a decent standard of living remains out of reach for 80% of full-time minimum wage workers, Wicks-Lim argues that the minimum wage is too low and the subsidies are too modest to achieve the stated goal of making work pay.
Colorado minimum wage inches up
Speaking of minimum wage issues, Scot Kersgaard of the Colorado Independent reports that the minimum wage in the state ticked up from $7.25 an hour to $7.36 on January 1. The modest increase represents the annual adjustment for inflation. Every bit counts, but Colorado families are falling further behind. According to a new report by the Denver-based Bell Policy Center, 8.3% of working families in Colorado live below the federal poverty line, which is $22,050 for a family of four. Fully one-fourth of Colorado families do not earn enough to meet their basic needs, which requires an income approximately twice the FPL, according to the report.
Colorado is one of only 10 states that automatically adjust their minimum wages for inflation.
Wage theft epidemic
Unscrupulous employers are stealing untold millions of dollars from hardworking Americans, Dick Meister reports in AlterNet:
The cheating bosses don't take the money directly from their employees. No, nothing as obvious as that. The employers practice their thievery by underpaying workers, sometimes by paying them less than the legal minimum wage. Or they fail to pay employees extra for overtime work, or even force them to work for nothing before or after their regular work shifts or at other times. Some employers make illegal deductions from employee wages. And some withhold the final paycheck due employees who quit.
In New York City alone, an estimated $18 million worth of wages is stolen every week. Workers in the restaurant, construction, and retail sectors are at increased risk of wage theft. Wage thieves disproportionately target undocumented workers because they assume that these employees will be less likely to report the crime.
Debt collection from beyond the grave
The dead don't tell tales, but they have been known to sign debt collection papers, Andy Kroll reports in Mother Jones. Martha Kunkle died in 1995, but her printed name and signature appear on paperwork filed by the debt collection agency Portfolio Recovery Associates as late as 2006 and 2007. The ruse was discovered and PRA, facing a fraud lawsuit, agreed in 2008 that the "Kunkle's" documents couldn't be used in court. That didn't stop the agency from trying to use them again in 2009.
The attorney general of Missouri has announced that he will investigate whether any of Kunkle's handiwork was used to support debt collection in his state. The attorney general of Minnesota is already investigating whether debt collectors have used fraudulent paperwork in court.
This post features links to the best independent, progressive reporting about the economy by members of The Media Consortium. It is free to reprint. Visit the Audit for a complete list of articles on economic issues, or follow us on Twitter. And for the best progressive reporting on critical economy, environment, health care and immigration issues, check out The Mulch, The Pulse and The Diaspora. This is a project of The Media Consortium, a network of leading independent media outlets.
What made this project so successful? After all, there are other iPod Nano projects. And it's a wristwatch, which even with the addition of a Nano, might not be the coolest or most necessary of accessories.
Bryce Roberts, the Managing Director of O'Reilly AlphaTech Ventures, points to some reasons he's identified that contributed to the success of the Lunatik/TikTok fundraising endeavor. These lessons that can be seen in other successful Kickstarter projects (such as Diaspora), but they're also applicable in many ways to more "traditional" funding efforts.
Tell a personal story
The Lunatik/TikTok "pitch" wasn't a bulleted list of qualifications or clients. Rather, the members of the team "told personal stories that created a connection to the project that had nothing to do with their professional pedigree." While this sort of storytelling doesn't boost their professional credentials, Roberts argues, it does give the entrepreneurs a certain personal authority and helps to connect them to funders and potential funders in a different way.
Roberts argues that the best fundraising pitches always emphasize this personal aspect. "It's a given," he writes, "that if I chose to invest in you I believe I can make money, but there are the intangibles around personality, perspectives, and life experiences that will make a potential funder more likely to want to believe you."
Tell the product's story
If you watch the TikTok video (below), you'll see the product is featured throughout. This demonstrates what the product can do - and that it can do what the startup promises. The video also demonstrates the larger potential of the product. These might be "small, nice little features" that some investors would dismiss. But with the crowdfunding model, the right storytelling around this seems crucial. "The difference between a nano strapped to a wristband and a premium quality, highly designed, customizable piece of wearable technology is simply a matter of how you tell the story."
But even when you aren't using a site like Kickstarter to raise money, it's crucial that your product be front-and-center in your presentations.
Give rewards and issue progress reports
Investors, by definition, invest in order to make a financial return. Nonetheless, argues Roberts, you should offer more than simply the promise of "making money." These sorts of non-financial rewards can be personal and personalized. By design, Kickstarter tells its users, "the best way to inspire support is to offer people great rewards. Everyone loves limited editions, one-of-a-kinds, and fun experiences (parties, screenings, balloon rides!). Spend some time brainstorming your rewards and people will respond. No one needs another coffee mug."
And as your project and your company are constantly evolving, it's good to keep investors and potential investors up-to-date on your progress. In the case of TikTok, the creators even filmed themselves in China when they traveled to the factory where the watch kits were being made. But the same could be said for all funding relationships; keep your investors apprised of "how you're making progress and how your story is continuing to unfold in a big and important way."
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Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
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, ...
bench craft company reviews bench craft company reviews
Verizon Wireless is ready to make <b>news</b> on Tuesday | 9 to 5 Mac <b>...</b>
It pretty clearly seems to be a sarcastic remark about the large volume of Verizon iPhone stories. This one seems pretty redundant, of course Verizon plans to make news, why else would they call a press announcement? ...
Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...
Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>
Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...
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