Wednesday, 9 February 2011

Making Money Job


Deadline confirms the deal with Universal but isn’t able to say whether Julian Assange will participate in the film. Regardless, the movie could be a firebrand that surpasses the interest generated by Mr. Gibney’s last few films.


Julian Assange, the founder of the whistleblower organization WikiLeaks and therefore responsible for the release of thousands of confidential government documents, is a figure that people tend to either love or hate. To some he’s a hero and a champion of free speech and democracy; others see him as an enemy and someone who endangers our freedom by compromising the inner workings of government. (And there are probably many who see him as a troublesome, egocentric kid.)


All that being the case I’d say that Alex Gibney is the perfect man for this job, and I’m eagerly awaiting the results of his work.


In addition, producers at Josephson Entertainment and Michelle Krumm Prods have optioned Andrew Fowler‘s forthoming biography of Mr. Assange, called The Most Dangerous Man in the World. They plan a ‘suspenceful drama thriller’ based on the bio. The book follows the WikiLeaks founder from childhood to the present day. Producers compare the story they want to tell to All the President’s Men.


No word on a screenwriter, director or cast for the biopic at this point. Too bad Steven Soderbergh likely won’t have any interest in this; he’d be great for it. [Variety]






In my senior year I made a drastic decision, dropping out of my double major of Journalism and Writing Intensive English, quitting my job on the school newspaper, and deciding to not go to grad school the next fall. I needed something different. Something that made me excited, instead of making me dread the next step in my life.


My parents were less than thrilled with my decision. I had such a promising path! How could I just give up on everything I’ve worked for?! Like everyone else in my family, they didn’t understand why I started applying for Teach for America and researching programs for teaching English overseas.  They were constantly questioning me (“What are you going to do once you graduate?” and “What are you going to be when you grow up?”) but I honestly had no idea and I didn’t want to jump into a graduate program and spend all that time and money when I couldn’t answer those most basic questions.


So I researched. And researched some more. And along the way, I started reading blogs about volunteering after college and found myself intrigued. Volunteering was something I did infrequently in college and when I did, it was either for a class I was taking or part of my job. So I took the plunge and became an AmeriCorps*VISTA when I graduated in May.


I had a cousin who did AmeriCorps*VISTA several years ago and he suggested that I look into it.  When I started my research I felt a connection to what VISTA stands for: Volunteers In Service To America.  VISTAs are different from other volunteers because we work the administration side of different nonprofits or government agencies that fight against poverty. In return for our work, we do not receive an income but a living stipend (which ironically puts us on the same level of those we serve: poverty).


While making the decision and joining VISTA was easy, it was deciding on where I would serve to be the problem. Would I stay in Milwaukee and be around my friends and the boyfriend I had? Or would I do the smarter decision and move in with my parents and save money? The flip side of moving in with my parents involved me having to move across the country to New Hampshire, a state in which I knew no one and had no friends. I knew I would only be making a very, very small amount of money and I knew I couldn’t afford the rent and utilities in Milwaukee, so I moved in with my parents. Now here, I’m working at both a private school with a huge emphasis on volunteering and a nonprofit that helps keeps students in the public school system on track for college.


But while my experience is very focused on the work that I do, it’s so much more. My placement is part of an umbrella program, so I am connected with other VISTAs in the area. Over the past months I have gotten to know quite a few of them and we’ve become good friends. We have a lot in common off the bat, they know what I’m going through on a daily basis and they’re generally wonderful people. So much so that when my relationship ended (the distance due to my move was just too much) and I missed my friends from college, my new VISTA friends were there for me and got me back on track.


As for the day to day, it differs; I can be busy working on activities for tutoring or meeting with students. Some days I sit at my desk and just work on a database, calling nonprofits about their volunteer opportunities. And, like any job, there are days that I just sit and dink around online.


Moving away from where I had lived for four years was really hard. Losing my relationship in the first couple months was harder, and not having my girlfriends around made it worse. But the friends I have made through VISTA are some of the greatest people I have ever met. We have been put in a situation where we make little to no money and are sometimes doing very tedious work.  We make the most of it and with these friends I am doing so much more with my life than I would have if I had stayed in Milwaukee on my original path. I may have had to make some sacrifices and I may be about as far off the beaten career path as humanly possible, but I love what I do and I feel good doing it.


It’s all even made me reevaluate what I want for my life and figure out just where I want to be when this whole thing is over. Will I continue working in nonprofits? Maybe. Continue on to grad school and get a Masters in Education? Possibly. Follow my dream of seeing the world and teaching abroad? Most definitely.


Being an AmeriCorps*VISTA has pushed me out of my comfort zone and changed who I am for the better.  For all of you college seniors who are unsure of where you want to be next year, I seriously recommend looking into giving back. (Editor’s Note: And here are a few more reasons why!) I know that this is where I am supposed to be for a year and I am so grateful to have the opportunity to find my passion and give back to those who aren’t as fortunate as I have been.


[A special thanks to reader Allison Keough for sharing her story with us. You got a story to share? Email us!]


Photo courtesy of AmeriCorps.gov.



bench craft company

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame <b>...</b>

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame: CP+ 2011:Sigma has introduced the 12-24mm F4.5-5.6 EX DG HSM II, an updated version of its ultra-wideangle zoom for full frame SLRs. It uses a revised optical formula which ...

Fox <b>News</b> Suggests Bulletstorm Is “Worst Video Game In The World”

The ever-incisive Fox News has decided today to try to squeeze a little more blood from the violence in games stone. The issue ...


bench craft company

Deadline confirms the deal with Universal but isn’t able to say whether Julian Assange will participate in the film. Regardless, the movie could be a firebrand that surpasses the interest generated by Mr. Gibney’s last few films.


Julian Assange, the founder of the whistleblower organization WikiLeaks and therefore responsible for the release of thousands of confidential government documents, is a figure that people tend to either love or hate. To some he’s a hero and a champion of free speech and democracy; others see him as an enemy and someone who endangers our freedom by compromising the inner workings of government. (And there are probably many who see him as a troublesome, egocentric kid.)


All that being the case I’d say that Alex Gibney is the perfect man for this job, and I’m eagerly awaiting the results of his work.


In addition, producers at Josephson Entertainment and Michelle Krumm Prods have optioned Andrew Fowler‘s forthoming biography of Mr. Assange, called The Most Dangerous Man in the World. They plan a ‘suspenceful drama thriller’ based on the bio. The book follows the WikiLeaks founder from childhood to the present day. Producers compare the story they want to tell to All the President’s Men.


No word on a screenwriter, director or cast for the biopic at this point. Too bad Steven Soderbergh likely won’t have any interest in this; he’d be great for it. [Variety]






In my senior year I made a drastic decision, dropping out of my double major of Journalism and Writing Intensive English, quitting my job on the school newspaper, and deciding to not go to grad school the next fall. I needed something different. Something that made me excited, instead of making me dread the next step in my life.


My parents were less than thrilled with my decision. I had such a promising path! How could I just give up on everything I’ve worked for?! Like everyone else in my family, they didn’t understand why I started applying for Teach for America and researching programs for teaching English overseas.  They were constantly questioning me (“What are you going to do once you graduate?” and “What are you going to be when you grow up?”) but I honestly had no idea and I didn’t want to jump into a graduate program and spend all that time and money when I couldn’t answer those most basic questions.


So I researched. And researched some more. And along the way, I started reading blogs about volunteering after college and found myself intrigued. Volunteering was something I did infrequently in college and when I did, it was either for a class I was taking or part of my job. So I took the plunge and became an AmeriCorps*VISTA when I graduated in May.


I had a cousin who did AmeriCorps*VISTA several years ago and he suggested that I look into it.  When I started my research I felt a connection to what VISTA stands for: Volunteers In Service To America.  VISTAs are different from other volunteers because we work the administration side of different nonprofits or government agencies that fight against poverty. In return for our work, we do not receive an income but a living stipend (which ironically puts us on the same level of those we serve: poverty).


While making the decision and joining VISTA was easy, it was deciding on where I would serve to be the problem. Would I stay in Milwaukee and be around my friends and the boyfriend I had? Or would I do the smarter decision and move in with my parents and save money? The flip side of moving in with my parents involved me having to move across the country to New Hampshire, a state in which I knew no one and had no friends. I knew I would only be making a very, very small amount of money and I knew I couldn’t afford the rent and utilities in Milwaukee, so I moved in with my parents. Now here, I’m working at both a private school with a huge emphasis on volunteering and a nonprofit that helps keeps students in the public school system on track for college.


But while my experience is very focused on the work that I do, it’s so much more. My placement is part of an umbrella program, so I am connected with other VISTAs in the area. Over the past months I have gotten to know quite a few of them and we’ve become good friends. We have a lot in common off the bat, they know what I’m going through on a daily basis and they’re generally wonderful people. So much so that when my relationship ended (the distance due to my move was just too much) and I missed my friends from college, my new VISTA friends were there for me and got me back on track.


As for the day to day, it differs; I can be busy working on activities for tutoring or meeting with students. Some days I sit at my desk and just work on a database, calling nonprofits about their volunteer opportunities. And, like any job, there are days that I just sit and dink around online.


Moving away from where I had lived for four years was really hard. Losing my relationship in the first couple months was harder, and not having my girlfriends around made it worse. But the friends I have made through VISTA are some of the greatest people I have ever met. We have been put in a situation where we make little to no money and are sometimes doing very tedious work.  We make the most of it and with these friends I am doing so much more with my life than I would have if I had stayed in Milwaukee on my original path. I may have had to make some sacrifices and I may be about as far off the beaten career path as humanly possible, but I love what I do and I feel good doing it.


It’s all even made me reevaluate what I want for my life and figure out just where I want to be when this whole thing is over. Will I continue working in nonprofits? Maybe. Continue on to grad school and get a Masters in Education? Possibly. Follow my dream of seeing the world and teaching abroad? Most definitely.


Being an AmeriCorps*VISTA has pushed me out of my comfort zone and changed who I am for the better.  For all of you college seniors who are unsure of where you want to be next year, I seriously recommend looking into giving back. (Editor’s Note: And here are a few more reasons why!) I know that this is where I am supposed to be for a year and I am so grateful to have the opportunity to find my passion and give back to those who aren’t as fortunate as I have been.


[A special thanks to reader Allison Keough for sharing her story with us. You got a story to share? Email us!]


Photo courtesy of AmeriCorps.gov.



bench craft company>

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame <b>...</b>

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame: CP+ 2011:Sigma has introduced the 12-24mm F4.5-5.6 EX DG HSM II, an updated version of its ultra-wideangle zoom for full frame SLRs. It uses a revised optical formula which ...

Fox <b>News</b> Suggests Bulletstorm Is “Worst Video Game In The World”

The ever-incisive Fox News has decided today to try to squeeze a little more blood from the violence in games stone. The issue ...


bench craft company
[reefeed]
bench craft company

MAKE MONEY (NOT ART) by Fade The Great


bench craft company

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame <b>...</b>

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame: CP+ 2011:Sigma has introduced the 12-24mm F4.5-5.6 EX DG HSM II, an updated version of its ultra-wideangle zoom for full frame SLRs. It uses a revised optical formula which ...

Fox <b>News</b> Suggests Bulletstorm Is “Worst Video Game In The World”

The ever-incisive Fox News has decided today to try to squeeze a little more blood from the violence in games stone. The issue ...


bench craft company

Deadline confirms the deal with Universal but isn’t able to say whether Julian Assange will participate in the film. Regardless, the movie could be a firebrand that surpasses the interest generated by Mr. Gibney’s last few films.


Julian Assange, the founder of the whistleblower organization WikiLeaks and therefore responsible for the release of thousands of confidential government documents, is a figure that people tend to either love or hate. To some he’s a hero and a champion of free speech and democracy; others see him as an enemy and someone who endangers our freedom by compromising the inner workings of government. (And there are probably many who see him as a troublesome, egocentric kid.)


All that being the case I’d say that Alex Gibney is the perfect man for this job, and I’m eagerly awaiting the results of his work.


In addition, producers at Josephson Entertainment and Michelle Krumm Prods have optioned Andrew Fowler‘s forthoming biography of Mr. Assange, called The Most Dangerous Man in the World. They plan a ‘suspenceful drama thriller’ based on the bio. The book follows the WikiLeaks founder from childhood to the present day. Producers compare the story they want to tell to All the President’s Men.


No word on a screenwriter, director or cast for the biopic at this point. Too bad Steven Soderbergh likely won’t have any interest in this; he’d be great for it. [Variety]






In my senior year I made a drastic decision, dropping out of my double major of Journalism and Writing Intensive English, quitting my job on the school newspaper, and deciding to not go to grad school the next fall. I needed something different. Something that made me excited, instead of making me dread the next step in my life.


My parents were less than thrilled with my decision. I had such a promising path! How could I just give up on everything I’ve worked for?! Like everyone else in my family, they didn’t understand why I started applying for Teach for America and researching programs for teaching English overseas.  They were constantly questioning me (“What are you going to do once you graduate?” and “What are you going to be when you grow up?”) but I honestly had no idea and I didn’t want to jump into a graduate program and spend all that time and money when I couldn’t answer those most basic questions.


So I researched. And researched some more. And along the way, I started reading blogs about volunteering after college and found myself intrigued. Volunteering was something I did infrequently in college and when I did, it was either for a class I was taking or part of my job. So I took the plunge and became an AmeriCorps*VISTA when I graduated in May.


I had a cousin who did AmeriCorps*VISTA several years ago and he suggested that I look into it.  When I started my research I felt a connection to what VISTA stands for: Volunteers In Service To America.  VISTAs are different from other volunteers because we work the administration side of different nonprofits or government agencies that fight against poverty. In return for our work, we do not receive an income but a living stipend (which ironically puts us on the same level of those we serve: poverty).


While making the decision and joining VISTA was easy, it was deciding on where I would serve to be the problem. Would I stay in Milwaukee and be around my friends and the boyfriend I had? Or would I do the smarter decision and move in with my parents and save money? The flip side of moving in with my parents involved me having to move across the country to New Hampshire, a state in which I knew no one and had no friends. I knew I would only be making a very, very small amount of money and I knew I couldn’t afford the rent and utilities in Milwaukee, so I moved in with my parents. Now here, I’m working at both a private school with a huge emphasis on volunteering and a nonprofit that helps keeps students in the public school system on track for college.


But while my experience is very focused on the work that I do, it’s so much more. My placement is part of an umbrella program, so I am connected with other VISTAs in the area. Over the past months I have gotten to know quite a few of them and we’ve become good friends. We have a lot in common off the bat, they know what I’m going through on a daily basis and they’re generally wonderful people. So much so that when my relationship ended (the distance due to my move was just too much) and I missed my friends from college, my new VISTA friends were there for me and got me back on track.


As for the day to day, it differs; I can be busy working on activities for tutoring or meeting with students. Some days I sit at my desk and just work on a database, calling nonprofits about their volunteer opportunities. And, like any job, there are days that I just sit and dink around online.


Moving away from where I had lived for four years was really hard. Losing my relationship in the first couple months was harder, and not having my girlfriends around made it worse. But the friends I have made through VISTA are some of the greatest people I have ever met. We have been put in a situation where we make little to no money and are sometimes doing very tedious work.  We make the most of it and with these friends I am doing so much more with my life than I would have if I had stayed in Milwaukee on my original path. I may have had to make some sacrifices and I may be about as far off the beaten career path as humanly possible, but I love what I do and I feel good doing it.


It’s all even made me reevaluate what I want for my life and figure out just where I want to be when this whole thing is over. Will I continue working in nonprofits? Maybe. Continue on to grad school and get a Masters in Education? Possibly. Follow my dream of seeing the world and teaching abroad? Most definitely.


Being an AmeriCorps*VISTA has pushed me out of my comfort zone and changed who I am for the better.  For all of you college seniors who are unsure of where you want to be next year, I seriously recommend looking into giving back. (Editor’s Note: And here are a few more reasons why!) I know that this is where I am supposed to be for a year and I am so grateful to have the opportunity to find my passion and give back to those who aren’t as fortunate as I have been.


[A special thanks to reader Allison Keough for sharing her story with us. You got a story to share? Email us!]


Photo courtesy of AmeriCorps.gov.



bench craft company

MAKE MONEY (NOT ART) by Fade The Great


bench craft company

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame <b>...</b>

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame: CP+ 2011:Sigma has introduced the 12-24mm F4.5-5.6 EX DG HSM II, an updated version of its ultra-wideangle zoom for full frame SLRs. It uses a revised optical formula which ...

Fox <b>News</b> Suggests Bulletstorm Is “Worst Video Game In The World”

The ever-incisive Fox News has decided today to try to squeeze a little more blood from the violence in games stone. The issue ...


bench craft company

MAKE MONEY (NOT ART) by Fade The Great


bench craft company

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame <b>...</b>

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame: CP+ 2011:Sigma has introduced the 12-24mm F4.5-5.6 EX DG HSM II, an updated version of its ultra-wideangle zoom for full frame SLRs. It uses a revised optical formula which ...

Fox <b>News</b> Suggests Bulletstorm Is “Worst Video Game In The World”

The ever-incisive Fox News has decided today to try to squeeze a little more blood from the violence in games stone. The issue ...


bench craft company

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame <b>...</b>

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame: CP+ 2011:Sigma has introduced the 12-24mm F4.5-5.6 EX DG HSM II, an updated version of its ultra-wideangle zoom for full frame SLRs. It uses a revised optical formula which ...

Fox <b>News</b> Suggests Bulletstorm Is “Worst Video Game In The World”

The ever-incisive Fox News has decided today to try to squeeze a little more blood from the violence in games stone. The issue ...


bench craft company

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame <b>...</b>

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame: CP+ 2011:Sigma has introduced the 12-24mm F4.5-5.6 EX DG HSM II, an updated version of its ultra-wideangle zoom for full frame SLRs. It uses a revised optical formula which ...

Fox <b>News</b> Suggests Bulletstorm Is “Worst Video Game In The World”

The ever-incisive Fox News has decided today to try to squeeze a little more blood from the violence in games stone. The issue ...


bench craft company bench craft company
bench craft company

MAKE MONEY (NOT ART) by Fade The Great


bench craft company
bench craft company

CBS <b>News</b> Restructures Management Team : TVBizwire : TVWeek <b>...</b>

CBS announced a number of changes today among the top management team for CBS News, with Jeff Fager taking over as chairman of the division, a newly created position. The company is also bringing in a new face, David Rhodes, ...

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame <b>...</b>

Sigma announces 12-24mm f/4.5-5.6 EX DG HSM II for full frame: CP+ 2011:Sigma has introduced the 12-24mm F4.5-5.6 EX DG HSM II, an updated version of its ultra-wideangle zoom for full frame SLRs. It uses a revised optical formula which ...

Fox <b>News</b> Suggests Bulletstorm Is “Worst Video Game In The World”

The ever-incisive Fox News has decided today to try to squeeze a little more blood from the violence in games stone. The issue ...


bench craft company

Like millions of other internet users, I spent several months combing the web, looking for creative ways to earn an online income. There are so many scams (many of them packaged in very shiny, attractive packages) that it's virtually impossible to know where to start. One search after another, and you'll often end up right back where you started. You may start to doubt that it's even possible to make money legitimately online.

So what do you do?

Well, there are a few key things you need to remember when you begin your online money-making endeavor, whether it's starting your own business or just selling other companies' products.

1. It will not happen overnight

To anyone who's new to working online, you may come into it thinking that you can earn thousands of dollars overnight just by signing up for some program. Well, it's not true, and any program that promises you that is a scam. Just like with any other job, making money online requires hard work, commitment, passion, and a drive to succeed. If your heart isn't in it, you may as well not even try. Expel the phrase "get rich quick" from your mind forever. The only way you can ever do that is in a casino - and only if you're really, really lucky.

2. It is possible to begin without spending any of your own money

Free advertising is possible on the web. I myself started out this way, by writing articles and promoting my blog and websites. This is where the commitment and hard work come into play; you're going to need to spend several hours a day doing research, writing about your product(s) and your experiences, and networking with others who are doing exactly what you are. Understand that none of these things, however, require that you spend money. The only thing you're investing is your time.

3. You need to be constantly active

I started my online marketing career by spending 8-10 hours a day writing, networking, and researching. No matter what your level of experience, you can ALWAYS learn something new. The internet is an amazing venue, but it's an ever-changing beast - much like the stock market. You need to be prepared to tweak your campaign every day to accommodate the changes taking place on the internet.

The bottom line:

You can make money legitimately online. You do, however, need to go into it with the right mindset (i.e., a willingness to learn), a lot of time, and a good work ethic. I would strongly advise against starting your online career if you've just been fired or are about to be evicted from your apartment. Have a stable, dependable income and start putting money away for when/if you do decide to start investing in your online career.






















































Tuesday, 8 February 2011

Free rental agreement forms england


surface encounters

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

Comcast-NBC Deal Could Weigh on <b>News</b> Corp&#39;s Cable Programming <b>...</b>

Comcast-NBC Deal Could Mar News Corp's Cable Programming Margin.

Yahoo Prepping Personalized Mobile <b>News</b> Platform

Yahoo is reportedly preparing to launch a new publishing platform next week which will deliver personalized news content to mobile devices. The content will come from users' social ...


surface encounters

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

Comcast-NBC Deal Could Weigh on <b>News</b> Corp&#39;s Cable Programming <b>...</b>

Comcast-NBC Deal Could Mar News Corp's Cable Programming Margin.

Yahoo Prepping Personalized Mobile <b>News</b> Platform

Yahoo is reportedly preparing to launch a new publishing platform next week which will deliver personalized news content to mobile devices. The content will come from users' social ...


surface encounters

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

Comcast-NBC Deal Could Weigh on <b>News</b> Corp&#39;s Cable Programming <b>...</b>

Comcast-NBC Deal Could Mar News Corp's Cable Programming Margin.

Yahoo Prepping Personalized Mobile <b>News</b> Platform

Yahoo is reportedly preparing to launch a new publishing platform next week which will deliver personalized news content to mobile devices. The content will come from users' social ...


surface encounters

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

Comcast-NBC Deal Could Weigh on <b>News</b> Corp&#39;s Cable Programming <b>...</b>

Comcast-NBC Deal Could Mar News Corp's Cable Programming Margin.

Yahoo Prepping Personalized Mobile <b>News</b> Platform

Yahoo is reportedly preparing to launch a new publishing platform next week which will deliver personalized news content to mobile devices. The content will come from users' social ...


surface encounters

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

Comcast-NBC Deal Could Weigh on <b>News</b> Corp&#39;s Cable Programming <b>...</b>

Comcast-NBC Deal Could Mar News Corp's Cable Programming Margin.

Yahoo Prepping Personalized Mobile <b>News</b> Platform

Yahoo is reportedly preparing to launch a new publishing platform next week which will deliver personalized news content to mobile devices. The content will come from users' social ...


surface encounters

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

Comcast-NBC Deal Could Weigh on <b>News</b> Corp&#39;s Cable Programming <b>...</b>

Comcast-NBC Deal Could Mar News Corp's Cable Programming Margin.

Yahoo Prepping Personalized Mobile <b>News</b> Platform

Yahoo is reportedly preparing to launch a new publishing platform next week which will deliver personalized news content to mobile devices. The content will come from users' social ...


surface encounters

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

Comcast-NBC Deal Could Weigh on <b>News</b> Corp&#39;s Cable Programming <b>...</b>

Comcast-NBC Deal Could Mar News Corp's Cable Programming Margin.

Yahoo Prepping Personalized Mobile <b>News</b> Platform

Yahoo is reportedly preparing to launch a new publishing platform next week which will deliver personalized news content to mobile devices. The content will come from users' social ...


surface encounters

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

Comcast-NBC Deal Could Weigh on <b>News</b> Corp&#39;s Cable Programming <b>...</b>

Comcast-NBC Deal Could Mar News Corp's Cable Programming Margin.

Yahoo Prepping Personalized Mobile <b>News</b> Platform

Yahoo is reportedly preparing to launch a new publishing platform next week which will deliver personalized news content to mobile devices. The content will come from users' social ...


surface encounters

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

Comcast-NBC Deal Could Weigh on <b>News</b> Corp&#39;s Cable Programming <b>...</b>

Comcast-NBC Deal Could Mar News Corp's Cable Programming Margin.

Yahoo Prepping Personalized Mobile <b>News</b> Platform

Yahoo is reportedly preparing to launch a new publishing platform next week which will deliver personalized news content to mobile devices. The content will come from users' social ...


surface encounters

NFL <b>News</b>: Non-Super Bowl Edition - Blogging The Boys

What's going on around the NFL that's not about the Super Bowl? We take a look at few stories.

Comcast-NBC Deal Could Weigh on <b>News</b> Corp&#39;s Cable Programming <b>...</b>

Comcast-NBC Deal Could Mar News Corp's Cable Programming Margin.

Yahoo Prepping Personalized Mobile <b>News</b> Platform

Yahoo is reportedly preparing to launch a new publishing platform next week which will deliver personalized news content to mobile devices. The content will come from users' social ...


Sunday, 6 February 2011

Making Money Cash

Submitted by Taylor Cottam of Economy Politics

Another Call For The Fed To Raise Rates, So Big Banks Can Start Lending And Hiring Again

As we explained in our previous article Seeking an interest rate solution,
real interest rates are negative and nominal short term interest rates
are near zero. That is not healthy. What is a healthy interest rate? My
view is that short term rates should be above 1% to make them positive
and closer to 2%.  It has caused consumer credit to contract. 



Of course, banks would argue that a healthy spread is the key to a
healthy banking sector.  Raising the rate would likely flatten the yield
curve.  What gives? 



How banks really make money



Banks are not in the business of making loans per se.  They are in the
business of making more off their assets than their liabilities.  In
normal times, underwriting consumer and business loans are the best
avenue for them to pursue that goal. 



Banks, and many hedge funds, really make money off the yield curve. They
have assets with a higher duration than their liabilities. Although
banks fund their assets with a mix of checking, demand deposits and some
longer dated term deposits (CDs), they have the ability to swap out
longer term deposits (CDs) to make their liabilities duration almost
zero. Their assets, which are typically loans to consumers and
businesses, have a longer duration.  Since the yield curve almost always
slopes upward, they make money off the yield curve spread plus the
credit spread. 



In 2008, I did some modeling for a large financial institution that had
duration of liabilities of roughly 3.5 years, based upon mostly term
deposits. They were able to bring the duration on their entire
liabilities portfolio down to a duration of less than 0.25 (3 months) by
transacting a simple fixed for floating amortizing swap based upon
their CD maturity schedule. Every quarter, with the 3 month rate sunk
below 25 bps, we would receive a large cash settlement from our
investment bank counterparty. I didn't stick for the full term of the
swap, but on a 1.5 BB principal, our estimate of earnings from the swap
alone stood at $100MM over three years. Based upon where short term
rates have stayed, they could have made 1.5 times that.



With our cost of capital below 25 bps, we did the thing that any
rational person would do.  We stopped lending to people and
businesses and lent to the US government instead.  We bought Treasuries.
In this case, the 5-year yields were above 2% bringing our expected
risk free spread above 2 points.



In 2008 and 2009, when it became obvious that Bernanke would likely
leave short-term rates low for an extended period of time, yield curve
risk became an afterthought. Those actions have been largely vindicated.
If we held the Treasuries for at least three years, the term of the
swap, we would just sit back and make money off the spread without
having to originate a single loan.



You get to be a bank, without having to do any work to originate loans.
Who needs a large origination group, when you can make a ton of money
and fire half of your employees?



Pushed or Pulled into Treasuries



During the recession there was often talk of a flight to quality.
Investors would flee risky assets and go into something safe. However,
investors are not always being pushed, they are often pulled. During the
recession, we began seeing a very steep yield curve. The spread
investors are as much lured by the allure of easy money with a steep
yield curve as they are by the fear of risky assets.



There’s a lot of buzz about small business funding these days. The issue has become a major one not only in the small business community but also among government leaders. It’s certain that finding the funds for your small business venture, especially until cash flow becomes regular, is a challenge every small business owner or entrepreneur faces. If you’re facing this issue, we hope the resources below will help. If there is a creative way you have dealt with this issue yourself, please let us know in the comment section below. We would love to hear.


Basics

Four tips for raising cash. Raising money for your business venture is always a challenge and more so in a challenging economic climate. But tough times shouldn’t stop a determined entrepreneur from getting under way…whether investment is easy to come by or not. Open Forum


Praying for the help of angels. This simple post gives first-time entrepreneurs a detailed overview of the angel investor’s world. But more importantly, it takes a look at why angels invest and the kinds of businesses they prefer to invest in. If you’re seeking investment for your business start-up, it’s best to know what invest are looking for…including angels. The Smart Startup


Policy

U.S. program brings entrepreneurs/investors together. Venture capital investor Brad Feld talks about the newly unveiled Startup America Partnership as proof Washington “gets it” when it comes to promoting entrepreneurship. While we’re sure any program putting entrepreneurs and investors together can’t be all bad, a look at lowering taxes and revisiting the potentially harmful healthcare law would help as much as investment Brad. Feld Thoughts


Startup America boosts funding. Another post celebrates the federal program aiming at putting together entrepreneurs with investors. Here Aneesh Chopra, United States Chief Technology Officer, explains and praises the program. Getting funding to startups has become a major focus of government policy, but how will this translate to the broader small business community? Tech Crunch


Startups

New startup aims at providing capital for small business. A new company is trying to automate the loan process allowing small businesses to get an evaluation then apply for funding online. In essence, On Deck Capital takes the classic business approach of finding a problem and solving it. In this case, the problem is finding a better way to get investment for other small businesses. DealBook


Trends

Groundhog Day predictions. Yes, Punxsutawney Phil, the famous groundhog, made his own predictions for the length of winter and the coming of Spring, but small business experts are making their own predictions too. Here are five small business predictions for Spring from a variety of sources, not surprisingly a few touching upon small business funding and its availability. Business News Daily


Small businesses get more credit card offers. Credit card companies will be making more offers to small businesses, according to recent media reports. But could entrepreneurs be too worried about taking on extra debt to take advantage of this opportunity? Read Rieva Lesonsky’s detailed overview of this new funding option and what it means. Small Business Trends


Resources

A whole new fundraising frontier. Could social media be the next frontier for small business fundraising in the same way that it has been for marketing and networking? Enter Kickstarter and other similar sites that turn to online communities as a way of funding projects. Could it be right for your funding needs? Open Forum


Raising capital: a how-to guide. Putting together funding for a small business has never been easy. Still it can be one of the most important skills an entrepreneur possesses. Still, getting started with the fundraising process for your small business is not rocket science. Here are some basic steps to get you started. Open Forum


News

Is small business funding still plagued by discrimination? A settlement as a result of a discrimination suit filed against the U.S. Small Business Administration has apparently still not resolved the issue of whether the federal agency is bias toward minority applicants for business funding. What’s your take on whether the federal loan program could be impeding investment in small business especially in minority or under-served communities? NYTimes


From Small Business TrendsSmall Business News: Small Business Funding Facts





benchcraft company scam

<b>News</b> In Brief: Earth/Environment - Science <b>News</b>

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.


benchcraft company portland or

Submitted by Taylor Cottam of Economy Politics

Another Call For The Fed To Raise Rates, So Big Banks Can Start Lending And Hiring Again

As we explained in our previous article Seeking an interest rate solution,
real interest rates are negative and nominal short term interest rates
are near zero. That is not healthy. What is a healthy interest rate? My
view is that short term rates should be above 1% to make them positive
and closer to 2%.  It has caused consumer credit to contract. 



Of course, banks would argue that a healthy spread is the key to a
healthy banking sector.  Raising the rate would likely flatten the yield
curve.  What gives? 



How banks really make money



Banks are not in the business of making loans per se.  They are in the
business of making more off their assets than their liabilities.  In
normal times, underwriting consumer and business loans are the best
avenue for them to pursue that goal. 



Banks, and many hedge funds, really make money off the yield curve. They
have assets with a higher duration than their liabilities. Although
banks fund their assets with a mix of checking, demand deposits and some
longer dated term deposits (CDs), they have the ability to swap out
longer term deposits (CDs) to make their liabilities duration almost
zero. Their assets, which are typically loans to consumers and
businesses, have a longer duration.  Since the yield curve almost always
slopes upward, they make money off the yield curve spread plus the
credit spread. 



In 2008, I did some modeling for a large financial institution that had
duration of liabilities of roughly 3.5 years, based upon mostly term
deposits. They were able to bring the duration on their entire
liabilities portfolio down to a duration of less than 0.25 (3 months) by
transacting a simple fixed for floating amortizing swap based upon
their CD maturity schedule. Every quarter, with the 3 month rate sunk
below 25 bps, we would receive a large cash settlement from our
investment bank counterparty. I didn't stick for the full term of the
swap, but on a 1.5 BB principal, our estimate of earnings from the swap
alone stood at $100MM over three years. Based upon where short term
rates have stayed, they could have made 1.5 times that.



With our cost of capital below 25 bps, we did the thing that any
rational person would do.  We stopped lending to people and
businesses and lent to the US government instead.  We bought Treasuries.
In this case, the 5-year yields were above 2% bringing our expected
risk free spread above 2 points.



In 2008 and 2009, when it became obvious that Bernanke would likely
leave short-term rates low for an extended period of time, yield curve
risk became an afterthought. Those actions have been largely vindicated.
If we held the Treasuries for at least three years, the term of the
swap, we would just sit back and make money off the spread without
having to originate a single loan.



You get to be a bank, without having to do any work to originate loans.
Who needs a large origination group, when you can make a ton of money
and fire half of your employees?



Pushed or Pulled into Treasuries



During the recession there was often talk of a flight to quality.
Investors would flee risky assets and go into something safe. However,
investors are not always being pushed, they are often pulled. During the
recession, we began seeing a very steep yield curve. The spread
investors are as much lured by the allure of easy money with a steep
yield curve as they are by the fear of risky assets.



There’s a lot of buzz about small business funding these days. The issue has become a major one not only in the small business community but also among government leaders. It’s certain that finding the funds for your small business venture, especially until cash flow becomes regular, is a challenge every small business owner or entrepreneur faces. If you’re facing this issue, we hope the resources below will help. If there is a creative way you have dealt with this issue yourself, please let us know in the comment section below. We would love to hear.


Basics

Four tips for raising cash. Raising money for your business venture is always a challenge and more so in a challenging economic climate. But tough times shouldn’t stop a determined entrepreneur from getting under way…whether investment is easy to come by or not. Open Forum


Praying for the help of angels. This simple post gives first-time entrepreneurs a detailed overview of the angel investor’s world. But more importantly, it takes a look at why angels invest and the kinds of businesses they prefer to invest in. If you’re seeking investment for your business start-up, it’s best to know what invest are looking for…including angels. The Smart Startup


Policy

U.S. program brings entrepreneurs/investors together. Venture capital investor Brad Feld talks about the newly unveiled Startup America Partnership as proof Washington “gets it” when it comes to promoting entrepreneurship. While we’re sure any program putting entrepreneurs and investors together can’t be all bad, a look at lowering taxes and revisiting the potentially harmful healthcare law would help as much as investment Brad. Feld Thoughts


Startup America boosts funding. Another post celebrates the federal program aiming at putting together entrepreneurs with investors. Here Aneesh Chopra, United States Chief Technology Officer, explains and praises the program. Getting funding to startups has become a major focus of government policy, but how will this translate to the broader small business community? Tech Crunch


Startups

New startup aims at providing capital for small business. A new company is trying to automate the loan process allowing small businesses to get an evaluation then apply for funding online. In essence, On Deck Capital takes the classic business approach of finding a problem and solving it. In this case, the problem is finding a better way to get investment for other small businesses. DealBook


Trends

Groundhog Day predictions. Yes, Punxsutawney Phil, the famous groundhog, made his own predictions for the length of winter and the coming of Spring, but small business experts are making their own predictions too. Here are five small business predictions for Spring from a variety of sources, not surprisingly a few touching upon small business funding and its availability. Business News Daily


Small businesses get more credit card offers. Credit card companies will be making more offers to small businesses, according to recent media reports. But could entrepreneurs be too worried about taking on extra debt to take advantage of this opportunity? Read Rieva Lesonsky’s detailed overview of this new funding option and what it means. Small Business Trends


Resources

A whole new fundraising frontier. Could social media be the next frontier for small business fundraising in the same way that it has been for marketing and networking? Enter Kickstarter and other similar sites that turn to online communities as a way of funding projects. Could it be right for your funding needs? Open Forum


Raising capital: a how-to guide. Putting together funding for a small business has never been easy. Still it can be one of the most important skills an entrepreneur possesses. Still, getting started with the fundraising process for your small business is not rocket science. Here are some basic steps to get you started. Open Forum


News

Is small business funding still plagued by discrimination? A settlement as a result of a discrimination suit filed against the U.S. Small Business Administration has apparently still not resolved the issue of whether the federal agency is bias toward minority applicants for business funding. What’s your take on whether the federal loan program could be impeding investment in small business especially in minority or under-served communities? NYTimes


From Small Business TrendsSmall Business News: Small Business Funding Facts





benchcraft company portland or

<b>News</b> In Brief: Earth/Environment - Science <b>News</b>

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.


benchcraft company scam
[reefeed]
bench craft company reviews

cashgiftproof by j91romero


bench craft company reviews

<b>News</b> In Brief: Earth/Environment - Science <b>News</b>

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.


benchcraft company portland or

Submitted by Taylor Cottam of Economy Politics

Another Call For The Fed To Raise Rates, So Big Banks Can Start Lending And Hiring Again

As we explained in our previous article Seeking an interest rate solution,
real interest rates are negative and nominal short term interest rates
are near zero. That is not healthy. What is a healthy interest rate? My
view is that short term rates should be above 1% to make them positive
and closer to 2%.  It has caused consumer credit to contract. 



Of course, banks would argue that a healthy spread is the key to a
healthy banking sector.  Raising the rate would likely flatten the yield
curve.  What gives? 



How banks really make money



Banks are not in the business of making loans per se.  They are in the
business of making more off their assets than their liabilities.  In
normal times, underwriting consumer and business loans are the best
avenue for them to pursue that goal. 



Banks, and many hedge funds, really make money off the yield curve. They
have assets with a higher duration than their liabilities. Although
banks fund their assets with a mix of checking, demand deposits and some
longer dated term deposits (CDs), they have the ability to swap out
longer term deposits (CDs) to make their liabilities duration almost
zero. Their assets, which are typically loans to consumers and
businesses, have a longer duration.  Since the yield curve almost always
slopes upward, they make money off the yield curve spread plus the
credit spread. 



In 2008, I did some modeling for a large financial institution that had
duration of liabilities of roughly 3.5 years, based upon mostly term
deposits. They were able to bring the duration on their entire
liabilities portfolio down to a duration of less than 0.25 (3 months) by
transacting a simple fixed for floating amortizing swap based upon
their CD maturity schedule. Every quarter, with the 3 month rate sunk
below 25 bps, we would receive a large cash settlement from our
investment bank counterparty. I didn't stick for the full term of the
swap, but on a 1.5 BB principal, our estimate of earnings from the swap
alone stood at $100MM over three years. Based upon where short term
rates have stayed, they could have made 1.5 times that.



With our cost of capital below 25 bps, we did the thing that any
rational person would do.  We stopped lending to people and
businesses and lent to the US government instead.  We bought Treasuries.
In this case, the 5-year yields were above 2% bringing our expected
risk free spread above 2 points.



In 2008 and 2009, when it became obvious that Bernanke would likely
leave short-term rates low for an extended period of time, yield curve
risk became an afterthought. Those actions have been largely vindicated.
If we held the Treasuries for at least three years, the term of the
swap, we would just sit back and make money off the spread without
having to originate a single loan.



You get to be a bank, without having to do any work to originate loans.
Who needs a large origination group, when you can make a ton of money
and fire half of your employees?



Pushed or Pulled into Treasuries



During the recession there was often talk of a flight to quality.
Investors would flee risky assets and go into something safe. However,
investors are not always being pushed, they are often pulled. During the
recession, we began seeing a very steep yield curve. The spread
investors are as much lured by the allure of easy money with a steep
yield curve as they are by the fear of risky assets.



There’s a lot of buzz about small business funding these days. The issue has become a major one not only in the small business community but also among government leaders. It’s certain that finding the funds for your small business venture, especially until cash flow becomes regular, is a challenge every small business owner or entrepreneur faces. If you’re facing this issue, we hope the resources below will help. If there is a creative way you have dealt with this issue yourself, please let us know in the comment section below. We would love to hear.


Basics

Four tips for raising cash. Raising money for your business venture is always a challenge and more so in a challenging economic climate. But tough times shouldn’t stop a determined entrepreneur from getting under way…whether investment is easy to come by or not. Open Forum


Praying for the help of angels. This simple post gives first-time entrepreneurs a detailed overview of the angel investor’s world. But more importantly, it takes a look at why angels invest and the kinds of businesses they prefer to invest in. If you’re seeking investment for your business start-up, it’s best to know what invest are looking for…including angels. The Smart Startup


Policy

U.S. program brings entrepreneurs/investors together. Venture capital investor Brad Feld talks about the newly unveiled Startup America Partnership as proof Washington “gets it” when it comes to promoting entrepreneurship. While we’re sure any program putting entrepreneurs and investors together can’t be all bad, a look at lowering taxes and revisiting the potentially harmful healthcare law would help as much as investment Brad. Feld Thoughts


Startup America boosts funding. Another post celebrates the federal program aiming at putting together entrepreneurs with investors. Here Aneesh Chopra, United States Chief Technology Officer, explains and praises the program. Getting funding to startups has become a major focus of government policy, but how will this translate to the broader small business community? Tech Crunch


Startups

New startup aims at providing capital for small business. A new company is trying to automate the loan process allowing small businesses to get an evaluation then apply for funding online. In essence, On Deck Capital takes the classic business approach of finding a problem and solving it. In this case, the problem is finding a better way to get investment for other small businesses. DealBook


Trends

Groundhog Day predictions. Yes, Punxsutawney Phil, the famous groundhog, made his own predictions for the length of winter and the coming of Spring, but small business experts are making their own predictions too. Here are five small business predictions for Spring from a variety of sources, not surprisingly a few touching upon small business funding and its availability. Business News Daily


Small businesses get more credit card offers. Credit card companies will be making more offers to small businesses, according to recent media reports. But could entrepreneurs be too worried about taking on extra debt to take advantage of this opportunity? Read Rieva Lesonsky’s detailed overview of this new funding option and what it means. Small Business Trends


Resources

A whole new fundraising frontier. Could social media be the next frontier for small business fundraising in the same way that it has been for marketing and networking? Enter Kickstarter and other similar sites that turn to online communities as a way of funding projects. Could it be right for your funding needs? Open Forum


Raising capital: a how-to guide. Putting together funding for a small business has never been easy. Still it can be one of the most important skills an entrepreneur possesses. Still, getting started with the fundraising process for your small business is not rocket science. Here are some basic steps to get you started. Open Forum


News

Is small business funding still plagued by discrimination? A settlement as a result of a discrimination suit filed against the U.S. Small Business Administration has apparently still not resolved the issue of whether the federal agency is bias toward minority applicants for business funding. What’s your take on whether the federal loan program could be impeding investment in small business especially in minority or under-served communities? NYTimes


From Small Business TrendsSmall Business News: Small Business Funding Facts





benchcraft company portland or

cashgiftproof by j91romero


benchcraft company portland or

<b>News</b> In Brief: Earth/Environment - Science <b>News</b>

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.


bench craft company reviews

cashgiftproof by j91romero


bench craft company reviews

<b>News</b> In Brief: Earth/Environment - Science <b>News</b>

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.


bench craft company reviews

<b>News</b> In Brief: Earth/Environment - Science <b>News</b>

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.


bench craft company reviews

<b>News</b> In Brief: Earth/Environment - Science <b>News</b>

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.


how to lose weight fast benchcraft company portland or
benchcraft company portland or

cashgiftproof by j91romero


benchcraft company scam
benchcraft company portland or

<b>News</b> In Brief: Earth/Environment - Science <b>News</b>

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.


bench craft company reviews

Click Here to Start Making Money with CashCrate Today

My CashCrate Review explains how to make money online by completing free offers and surveys. Once you sign up for CashCrate, you can immediately begin completing offers and earning a paycheck. It's that simple. To help you out, I will review CashCrate as in depth as possible to make you more money. How does CashCrate Work?

Top companies pay lots of money to reach potential customers by offering their products/services for free. When you complete one of these offers, companies pay CashCrate for your participation. CashCrate then forwards a large percentage (around 75%) of the received earnings to you! Most CashCrate offers are lead generation based, meaning you exchange information for a cash payout.

The information you provide to complete offers doesn't have to be your real e-mail address or phone number. You can obtain a free e-mail address using G-mail, grab a private phone number online, and create other secondary contact addresses to protect your personal information.Join CashCrate How to Complete your 1st Offer



CashCrate provides you with hundreds of offers to complete every day. The key is to pick and choose offers that are easy to complete and have high payouts. The more high paying offers you complete, the more money you will make. Simple as that. So how do you find the best offers?

1. Go to the members area, and under cash offers, select sort offers by highest payout.

2. Read the description for every offer first before you choose an offer to complete.

3. Once you find a suitable offer, click the link and begin completing the offer.

4. When finished, either click the submit box at the top of the page, or return to the offers page and click "submit". Make sure to clear the cookies after every offer you complete. This is the #1 reason for causing offers to never confirm.Complete Your 1st CashCrate Offer Build Up Your CashCrate Earnings

You'll want to pursue the high dollar offers, which make more money than the smaller $1 payouts. If you check everyday, there are tons of offers paying out over $10+. Use the e-mail & phone numbers you created to enter information so you will receive credit for the lead.

If you complete 1 $10 offer each day, you will end the month with over $3k in earnings. You have the potential to earn between $100 to $3k per month; the choice is yours. Getting Paid

Cashcrate members must accumulate at least $10 in earnings before receiving a payout via check. Payments are processed on the 20th of every month, which is similar to Google Adsense's payout schedule. Tips on Getting CashCrate Referrals

CashCrate members can earn referral commissions when they refer their friends to the program. If you're making decent money with CashCrate, why not tell your friends as well so they can earn some money online too?

There are a number of ways to tell your friends to join your referral network:
  • Add your referral code to forum signatures
  • Use business cards to promote your referral code
  • Start a CashCrate blog
  • E-mail your Friends and tell them about CashCrate
  • Make a flyer that promotes Cash Crate and your referral URL
  • Participate in the CashCrate forum and possibly sign up new visitors to CashCrate
  • Promote your earnings in a forum or message board, and tell others how to make money with CashCrate
Debunking CashCrate Misconceptions

1. Is CashCrate a Scam? - No! Cash Crate has never missed a payment since I've been with the program.

2. Is CashCrate Hard Work? - As long as you utilize the tools listed above, you can complete multiple offers within minutes.

3. Is Your Personal Information Compromised? - You never have to give your real credit card number, social security number, phone number, e-mail address, etc. Always use online tools to create non-personal information for offer completion purposes. When asked for credit card numbers, use gift cards instead.

4. Will You Make Any Money with CashCrate? - Just like anything other program, you get what you put into it. If you stay disciplined, continue to complete offers and build your referral network, you are guaranteed to make money. Pay no attention to naysayers. They are just jealous of your success!Sign Up with CashCrate


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<b>News</b> In Brief: Earth/Environment - Science <b>News</b>

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.


big seminar 14

<b>News</b> In Brief: Earth/Environment - Science <b>News</b>

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

Solar &amp; Wind Energy <b>News</b> of the Last Week (or So) – CleanTechnica <b>...</b>

CleanTechnica: Cleantech innovation news and views's authors are supported by a revenue-sharing agreement with the company that operates CleanTechnica: Cleantech innovation news and views, Important Media. Of course, it's never enough ...

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.


big seminar 14




















































Wednesday, 2 February 2011

personal finance manager


Last we heard in October, the Department of Justice had prepared a flurry of subpoenas to delve into the handling of campaign finances in John Edwards’ presidential run, with a specific eye towards the use of some funds to keep the Rielle Hunter scandal under wraps.  Today, the Associated Press reports that the grand jury has targeted Edwards in its probe, and not just Edwards.  Subpoenas have been issued for Alliance For a New America (AFNA) and linked organizations, where millions of dollars got spent with no public accounting:



A federal criminal investigation targeting John Edwards is examining how much the two-time presidential candidate knew about money used to cover up his extramarital affair and out-of-wedlock child and whether he had other practices that pushed the bounds of campaign finance laws, people involved in the case have told The Associated Press.


A federal grand jury meeting in Raleigh, N.C., is combing through records and testimony involving several political organizations and individuals connected to Edwards and trying to determine if the former North Carolina senator and 2004 vice presidential nominee broke any laws. A recently issued subpoena focuses on a web of these political groups allied with Edwards, according to subpoena details provided to AP that offer a glimpse into the investigation being conducted behind closed doors.



The situation gets murky indeed when looking at AFNA:



Atop the subpoena list, read to the AP by someone with access to a subpoena, is the Alliance for a New America, which is what is known as a political 527 group, named for the tax code section that governs it. Also on the list is a like-named private entity called Alliance for a New America LLC, or AFNA LLC, and Edwards’ former campaign manager Nick Baldick, who ran the political 527 group in support of Edwards’ bid for the 2008 Democratic presidential nomination. (IRS records for the same groups refer to the groups as Alliance for New America, without an “a.”)


Baldick and his attorney Jim Lamb would not comment on the federal investigation, but Lamb said Baldick has been told he is not a target of it.


Federal records show that about $3.3 million of the $4.8 million raised by the 527 was distributed to AFNA LLC for unspecified “consulting services.” The 527 and the LLC shared not only their name, but the same Alexandria, Va., post office box and the same contact, a Baldick associate named Katherine Buchanan. A crucial difference between the two Alliance entities was that the LLC was a limited liability company that did not have to publicly disclose how its money was spent.



The question will be whether that distinction was legal on its face, or whether it was used as a dodge to funnel money illegally to Edwards for his own personal use.  If the grand jury can connect the expenditures on “consultants” to those who tried keeping the lid on Edwards’ relationship with Hunter, the legality of the edifice may be a moot point anyway.  Presumably, the grand jury and the investigators are looking for someone on the inside to testify to how the money got spent. If they do and the money got directed to hide Hunter and keep her quiet, then everyone involved may face conspiracy charges.


AFNA isn’t the only entity under scrutiny, either.  The One American Committee paid Hunter over $100,000 for campaign Internet videos that never got published.  They also want to see how massive contributions from Fred Baron and Bunny Mellon were distributed, the latter of which got hidden in boxes of chocolates according to former aide Andrew Young’s book with the express purpose of keeping Hunter quiet.  Baron claimed to have supported Hunter financially without Edwards’ knowledge, but Young’s book says that Edwards agreed to hit up Mellon for hush money, which the grand jury seems to think may be an interesting avenue of inquiry.


None of this means anything until the grand jury produces indictments, of course — but becoming a target of a grand jury is the one way that happens.






Last we heard in October, the Department of Justice had prepared a flurry of subpoenas to delve into the handling of campaign finances in John Edwards’ presidential run, with a specific eye towards the use of some funds to keep the Rielle Hunter scandal under wraps.  Today, the Associated Press reports that the grand jury has targeted Edwards in its probe, and not just Edwards.  Subpoenas have been issued for Alliance For a New America (AFNA) and linked organizations, where millions of dollars got spent with no public accounting:



A federal criminal investigation targeting John Edwards is examining how much the two-time presidential candidate knew about money used to cover up his extramarital affair and out-of-wedlock child and whether he had other practices that pushed the bounds of campaign finance laws, people involved in the case have told The Associated Press.


A federal grand jury meeting in Raleigh, N.C., is combing through records and testimony involving several political organizations and individuals connected to Edwards and trying to determine if the former North Carolina senator and 2004 vice presidential nominee broke any laws. A recently issued subpoena focuses on a web of these political groups allied with Edwards, according to subpoena details provided to AP that offer a glimpse into the investigation being conducted behind closed doors.



The situation gets murky indeed when looking at AFNA:



Atop the subpoena list, read to the AP by someone with access to a subpoena, is the Alliance for a New America, which is what is known as a political 527 group, named for the tax code section that governs it. Also on the list is a like-named private entity called Alliance for a New America LLC, or AFNA LLC, and Edwards’ former campaign manager Nick Baldick, who ran the political 527 group in support of Edwards’ bid for the 2008 Democratic presidential nomination. (IRS records for the same groups refer to the groups as Alliance for New America, without an “a.”)


Baldick and his attorney Jim Lamb would not comment on the federal investigation, but Lamb said Baldick has been told he is not a target of it.


Federal records show that about $3.3 million of the $4.8 million raised by the 527 was distributed to AFNA LLC for unspecified “consulting services.” The 527 and the LLC shared not only their name, but the same Alexandria, Va., post office box and the same contact, a Baldick associate named Katherine Buchanan. A crucial difference between the two Alliance entities was that the LLC was a limited liability company that did not have to publicly disclose how its money was spent.



The question will be whether that distinction was legal on its face, or whether it was used as a dodge to funnel money illegally to Edwards for his own personal use.  If the grand jury can connect the expenditures on “consultants” to those who tried keeping the lid on Edwards’ relationship with Hunter, the legality of the edifice may be a moot point anyway.  Presumably, the grand jury and the investigators are looking for someone on the inside to testify to how the money got spent. If they do and the money got directed to hide Hunter and keep her quiet, then everyone involved may face conspiracy charges.


AFNA isn’t the only entity under scrutiny, either.  The One American Committee paid Hunter over $100,000 for campaign Internet videos that never got published.  They also want to see how massive contributions from Fred Baron and Bunny Mellon were distributed, the latter of which got hidden in boxes of chocolates according to former aide Andrew Young’s book with the express purpose of keeping Hunter quiet.  Baron claimed to have supported Hunter financially without Edwards’ knowledge, but Young’s book says that Edwards agreed to hit up Mellon for hush money, which the grand jury seems to think may be an interesting avenue of inquiry.


None of this means anything until the grand jury produces indictments, of course — but becoming a target of a grand jury is the one way that happens.






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