Thursday, February 17, 2011

Making Money Your

It goes without saying that having a heavy right foot while driving tends to waste fuel while creating more carbon emissions than desired, but altering driving habits can be a pretty tricky process. Good thing the Eco-Navigator device is here to help, where it will let you know how to get to your destination courtesy of Navteq maps of the U.S., Canada, Europe and China – but its goodness doesn’t end there. The Eco-Navigator will also deliver high-speed Internet access into your vehicle’s cabin, while making sure you arrive at your intended appointment in the greenest method possible. Plugged into your car’s diagnostic port, it will then monitor and display a number of vehicle parameters. Selecting Eco-Drive will show your current miles-per-gallon, throttle position (as a 0-100 percentage), and pounds of CO2 emitted per mile. This helps you figure out and adjust your driving style accordingly, and it is definitely not something to look at when you’re in a mad rush. The Eco-Navigator will retail for $249 a pop if you’re interested.

App Store Classics: Game Dev Story, a game about making games.


Ever wondered what it’d be like to run your own game development house? Me neither, but don’t let that stop you getting involved with Game Dev Story (iTunes link), a little gem of a game from Japanese developers Kairosoft, currently on sale in the app store for $0.99.


The concept is straightforward – grow your development house from a tiny team of four staff churning out cheap and cheerful PC games to a revered coding powerhouse in swanky offices crafting masterpieces for the latest consoles.


At first you’ll probably be going over budget left right and centre, trying to figure out which game types work best and therefore shift more units, but once you get into the swing of it you can concentrate on hiring and training the best staff and purchasing licences to develop console games, resulting in better made and better selling games with higher profit margins.


It’s not just a question of hiring and firing, coming up with game ideas and watching your staff working their buns off though. Through the use of ‘boosts’ which are periodically made available to purchase as the game progresses (not in-app purchases I hasten to add), you can choose one of your coders to work on enhancing one specific aspect of the game. This pushes up the overall quality of the game you’re making and results in better reviews and sales, adding a further strategic element as you choose the right moment and category in which to use your boosts. At certain points within the development cycle you also get the chance to work on the graphics and sound specifically, either using one of your own staff or hiring in a freelancer, and this too gives you the opportunity to increase the overall quality of your virtual product.



When you make your first million seller it’s a satisfying moment but there’s no time to rest on your laurels. There are always new consoles appearing on the market, contract jobs to take on, new staff to hire and new game types to discover. If you leave too much of a gap between development cycles you start losing fans and therefore a few sales, but think carefully about what kind of games you make – my pirate simulation was a right turkey.



It’s all great fun, but it’s fair to say there are a few things here which need to be addressed by the time Game Dev Story 2 arrives in the app store. I know it’s a tall order on a phone but I couldn’t help thinking how nice it would be if I could play the games my team had made. Even a comedy cut sequence showing some aspects of the latest game would have been good. There are also some hugely expensive advertising options within this game that offer no feedback other than some numbers increasing on a stat page. If I’m sponsoring a racing team I’d like to see my company logo on the side of a formula one car at least!


Finally, the game is perhaps a bit on the easy side. I’m sure if developing a multi million selling game was this straightforward we’d all be at it. Well, maybe not, but it’s easy to make enough money that you don’t have to worry too much about how you spend it, and this negatively impacts the strategy element.


All things considered however, Game Dev Story is great fun. It’s a good natured game and from the cute graphics and retro sound to the amusing titles you can give your creations, it’s a rewarding experience which works perfectly whether in short bursts or longer play sessions. Did I mention that it’s currently only $0.99 on the app store?







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NYT&#39;s Fed reporter to become deputy op-ed editor « Talking Biz <b>News</b>

Information about business journalism, from the Carolina Business News Initiative. « Why the FT and the Economist have been successful in America � No Comments. NYT's Fed reporter to become deputy op-ed editor. 2011 02.17 ...

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Small Business <b>News</b>: SMBs and the Economy

Recently businesses have expressed concern over excessive regulations that have made conducting business ever more expensive, often with limited justification.


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NYT&#39;s Fed reporter to become deputy op-ed editor « Talking Biz <b>News</b>

Information about business journalism, from the Carolina Business News Initiative. « Why the FT and the Economist have been successful in America � No Comments. NYT's Fed reporter to become deputy op-ed editor. 2011 02.17 ...

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Small Business <b>News</b>: SMBs and the Economy

Recently businesses have expressed concern over excessive regulations that have made conducting business ever more expensive, often with limited justification.


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NYT&#39;s Fed reporter to become deputy op-ed editor « Talking Biz <b>News</b>

Information about business journalism, from the Carolina Business News Initiative. « Why the FT and the Economist have been successful in America � No Comments. NYT's Fed reporter to become deputy op-ed editor. 2011 02.17 ...

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Small Business <b>News</b>: SMBs and the Economy

Recently businesses have expressed concern over excessive regulations that have made conducting business ever more expensive, often with limited justification.


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NYT&#39;s Fed reporter to become deputy op-ed editor « Talking Biz <b>News</b>

Information about business journalism, from the Carolina Business News Initiative. « Why the FT and the Economist have been successful in America � No Comments. NYT's Fed reporter to become deputy op-ed editor. 2011 02.17 ...

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Small Business <b>News</b>: SMBs and the Economy

Recently businesses have expressed concern over excessive regulations that have made conducting business ever more expensive, often with limited justification.


bench craft company scam

NYT&#39;s Fed reporter to become deputy op-ed editor « Talking Biz <b>News</b>

Information about business journalism, from the Carolina Business News Initiative. « Why the FT and the Economist have been successful in America � No Comments. NYT's Fed reporter to become deputy op-ed editor. 2011 02.17 ...

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Small Business <b>News</b>: SMBs and the Economy

Recently businesses have expressed concern over excessive regulations that have made conducting business ever more expensive, often with limited justification.


benchcraft company scam

NYT&#39;s Fed reporter to become deputy op-ed editor « Talking Biz <b>News</b>

Information about business journalism, from the Carolina Business News Initiative. « Why the FT and the Economist have been successful in America � No Comments. NYT's Fed reporter to become deputy op-ed editor. 2011 02.17 ...

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Small Business <b>News</b>: SMBs and the Economy

Recently businesses have expressed concern over excessive regulations that have made conducting business ever more expensive, often with limited justification.


bench craft company scam

NYT&#39;s Fed reporter to become deputy op-ed editor « Talking Biz <b>News</b>

Information about business journalism, from the Carolina Business News Initiative. « Why the FT and the Economist have been successful in America � No Comments. NYT's Fed reporter to become deputy op-ed editor. 2011 02.17 ...

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Small Business <b>News</b>: SMBs and the Economy

Recently businesses have expressed concern over excessive regulations that have made conducting business ever more expensive, often with limited justification.


bench craft company scam

NYT&#39;s Fed reporter to become deputy op-ed editor « Talking Biz <b>News</b>

Information about business journalism, from the Carolina Business News Initiative. « Why the FT and the Economist have been successful in America � No Comments. NYT's Fed reporter to become deputy op-ed editor. 2011 02.17 ...

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Small Business <b>News</b>: SMBs and the Economy

Recently businesses have expressed concern over excessive regulations that have made conducting business ever more expensive, often with limited justification.


benchcraft company scam

NYT&#39;s Fed reporter to become deputy op-ed editor « Talking Biz <b>News</b>

Information about business journalism, from the Carolina Business News Initiative. « Why the FT and the Economist have been successful in America � No Comments. NYT's Fed reporter to become deputy op-ed editor. 2011 02.17 ...

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Small Business <b>News</b>: SMBs and the Economy

Recently businesses have expressed concern over excessive regulations that have made conducting business ever more expensive, often with limited justification.















Tuesday, February 15, 2011

Making Money Marketing




For progressive and tech savvy business-to-business companies, traditional marketing techniques like entire departments dedicated to cold calling potential clients have largely been retired to the trash folder. Instead, these companies are rapidly embracing technologies and practices aimed at increasing productivity, using social media more effectively, and providing engaging and informative content to potential clients. For a deeper look at these trends shaping B2B marketing in 2011, read on.

Quantifying Value Creation

If you’re looking to make your case to another business, come with lots of data, says Keith Pigues, co-author of Winning With Customers: A Playbook for B2B. You’ll need to quantify your value to customers in terms of dollars and cents, something known as “customer value creation.”

"Many organizations are finding that some of the more traditional customer satisfaction or customer loyalty measurement systems like ‘net promoter score’ are falling short when trying to provide a real financial measure to companies to help them understand exactly, 'how much more money am I making doing business with your company verses Company B or C?,'" says Pigues.

To accomplish this, companies are looking to third parties for help. Among them is Chicago-based Valkre, a technology provider that specializes in helping companies customize and match sales solutions to specific customers, implementing marketing strategies that increase a company's online visibility, and creating daily management plans that use mainstream technology.

Valkre founder Jerry Alderman agrees that the next evolution in B2B marketing involves businesses attempting to understand how the services they're offering truly impact the bottom line of their customers. Valkre has created a new metric, called the differential value proportion or "DVP", which measures the amount of increased profit that a customer can bring in by doing business with one company versus another. Unlike net promoter score, the DVP percentage metric was designed for use specifically within the B2B industry.

Targeting Online Identities

Whittling down to the individual buyer will increasingly be the objective in online B2B marketing, even in terms of broad awareness campaigns, says Steven Woods, the Toronto-based CTO of Eloqua. Instead of generalized marketing initiatives, companies are beginning to analyze the online behavior -- also known as digital body language -- of individuals involved in the B2B industry in an effort to pinpoint the specific buyer whose needs best fit the services of the seller.

Through the collection and analysis of data, companies are discovering ways to link varied online "handles" across social networks to a single individual they wish to target for marketing purposes. "The vanguard will see a lot of people in 2011 figure out the identity management challenge and be able to understand ‘you’ across those identities and understand how your activity on Facebook, on Twitter, on LinkedIn, and the various social properties indicates your buying intentions," says Woods.


The goal is to cater marketing content to customers depending on where they are in the buying process. To accomplish this, Tableau Software, a Seattle-based seller of B2B software, uses a method of "scoring" visitors that come to their website. The more that users visit, the more their scores increase, allowing the algorithm to filter them into the programs within the site that speak to their interests. Thus, Tableau targets customers based on their online behavior rather than the demographics provided by their firm or industry.

"The trend of 2011 is that marketers are as interested in delivering relevant content to relevant people, as they are to stopping the delivery of irrelevant content to irrelevant people," says Elisa Fink, Tableau's vice president of marketing. "We don't want to be spammers. Every engagement with a company is really an engagement with a person."

Getting Creative with Content

In terms of the content being delivered, B2B companies are encouraging members of their technology departments to build their personal brand and further the recognition of their company by becoming "expert" bloggers and content creators.

"The winning marketing skill set that is going to be very much recognized in 2011 is not going to be the creative copywriting, artistic skill setm," says Woods. "It's the person who understands numbers, analytics, data, workflow, the operational skill set."

This can be accomplished via the company website, Twitter stream, LinkedIn discussion group, and even the employee’s personal blog.

Woods explains that part of this trend is a move in favor of less polished content and faster production times. In the past, all marketing materials were placed under intense scrutiny before anything was put online to represent the company. Now, personal engagement is en vogue, whereby the members of a company with active knowledge about products can engage in two-way conversations with clientele on the fly.

"[The content] might even have spelling mistakes in it. If it's a video, it might just be a very quick, ‘hey, here is how I tackle this problem, here is how I view the latest merger in the industry, or view this latest technological development,’" says Woods.


Some B2B institutions are also beginning to explore new approaches to their chain of command within marketing initiatives. In larger B2B companies, the IT department typically reports to the operations department because that's where the most money has traditionally been invested. According to Alderman, that is now changing. He points to a major player in the industry taking the approach of having their IT department report to their marketing department. By doing this, information regarding a business' technological holdings and services can be more accurately and efficiently marketed to potential clients.

As the Web 2.0 advances into a new decade, B2B marketing strategies will also continue to develop. Indeed, there are an increasing number of digital platforms, like social media, for marketers to explore. In 2011, the winners will be the ones that are best able to target their efforts to their customers’ online habits and interests, and provide true value – and be able to prove it – to users.












Editor’s note: Guest author Chris Yeh is an independent angel investor and VP of Marketing for PBworks, one of his investments. He has been involved with Internet startups since 1995. His Twitter handle is @chrisyeh.


Update: This post originally referred to DST as the investor in Start Fund when it actually is Yuri Milner personally investing, along with Ron Conway’s fund SV Angel.


Update II: This has been corrected below.


The big news this morning is Yuri Milner’s announcement that he and Ron Conway will be investing $150,000 in *every* Y Combinator startup on a no-discount, no-cap convertible loan.


Many people have already weighed in with instant reactions—”It’s a bubble!” “It’s the greatest thing to happen to the US economy!” As usual, these off-the-cuff reactions focus on a single part of the story, rather than looking at the big picture.


Let’s walk through the news, step-by-step, and see what it really means. Ultimately, my take is that it’s good for Y Combinator and Milner, but bad for the rest of Silicon Valley.


1) “Yuri is a fool who believes he can sell to a greater fool.”


Many people mocked DST when it began investing in companies like Facebook at “outlandish” valuations. DST invested in Facebook at a $10 billion valuation; with the valuation now above $50 billion, I’d say Yuri is having the last laugh (for now).


If Milner is investing in YC companies on these terms, it’s because Milner believes it can make money on these terms (more on this later).


2) “I can’t believe all the money going into YC’s dipshit companies.”


Once upon a time, Y Combinator’s companies were features masquerading as companies. But anyone who still thinks that isn’t paying attention. The quality of YC companies has risen considerably; the companies graduating from YC these days are much more polished and accomplished. And with monster successes like Dropbox and AirBnB (along with Heroku’s exit), YC’s company quality is looking better and better.


3) “Finally, someone who’s willing to take risks, unlike today’s pantywaist angels and VCs!”


Now we’re getting to something more substantive. There seems to be a feeling among entrepreneurs that investors are no longer willing to take risks, and that no one is willing to invest in ideas any more. My response to that is simple—if startups are really so low-risk, why is it that only a tiny fraction of the companies that do get funded (which are presumably “no-brainer” investments for all the cautious VCs) actually return any money to investors?


Of course I try to invest in companies that I expect to be “sure things,” but I also know that history predicts that at least 60% of my investments are going to be complete financial failures. The reason Milner is willing to take on such risk is simple—in addition to the actual investment, it’s also buying option value.


Option value is what makes the VC system work—by investing in stages, investors are able to abandon companies that don’t look likely to succeed. This is why startups are so much more effective than big companies at innovation—a big company’s internal politics make it difficult to try lots of things that will probably fail. Milner has additional option value available to them that traditional angels do not because of its ability to invest at later stages. By investing in the seed round, Yuri – and DST – gets the inside track on any future financings.


Let’s say that I was lucky enough to invest in Facebook’s seed round (I wasn’t). As the company raised further rounds of funding at $100 million and $10 billion valuations, I would have to come up with increasingly large checks to maintain my ownership position. Buying 0.1% of the company is pretty easy at a $5 million valuation (that’s just $5,000). It gets harder at $100 million ($100,000) and $10 billion ($10,000,000).


For Milner, however, investing a few million in YC companies is well worth it if it gives him the inside track to do a $100 million expansion round in the future. Moreover, is Milner really making it easier for entrepreneurs to raise money? I was not under the impression that YC grads were having difficulties raising money. It’s not like Milner is giving $150K to anyone who asks—the investment is reserved for companies which pass YC’s rigorous screening process.


4) Okay, Mr. Smarty-Pants, why is this bad for Silicon Valley then?


In the TechCrunch comments, Ted Rheingold of Dogster fame says simply, “This is not going to be healthy for the ecosystem.” I think he’s right, but the reasons he’s right are subtle. Allow me to explain.


a) Independent angel investors need to be able to invest at reasonable valuations.


As I explained in (3) above, folks like me need to be able to invest at reasonable valuations. That means either priced rounds or convertibles with valuation caps, and seed round valuations of $1-3 million. We don’t have the money to stay in the game with the VCs and DSTs of the world, so if seed funding shifted to a model of no-cap convertibles, we would be priced out of the ecosystem.


In today’s environment, many companies skip straight from a seed round to $20 million+ valuations, and angels simply won’t get rewarded for the extra risk they assume without priced rounds or caps.


b) The Milner/YC partnership could end up upsetting this delicate balance


As I’ve argued in the past, angel investing is a fragmented game. No one has enough power to collude on valuations. However, someone who is influential enough can influence what is and isn’t considered “standard.”


Once upon a time, there was no such thing as a convertible note with a cap. There were convertible notes, and there were priced rounds, and nothing in between. Then a few years ago, a number of prominent players in the ecosystem (YC included) began pushing the concept of a capped convertible. Today, even though there are plenty of angels who despise any kind of convertible note, capped or not, the capped convertible is pretty much the standard seed financing instrument.


Now imagine the impact of YC, the most influential incubator, standardizing on uncapped, no-discount convertibles. It’s not difficult to envision a scenario in which the entire industry moves in this direction. The problem is that this shift eliminates the incentive for independent angels to participate in the ecosystem.


Angels play an important part in the ecosystem because we are willing to take on more risk than the VCs. Some of that is non-economic behavior, but some of that is also due to the fact that we get compensated for that risk-taking with much lower valuations. Eliminating that compensation will surely reduce the number of independent angel investments.


The irony is that the Milner/YC deal didn’t have to cause problems for independent angel investors. If Milner committed to providing $150K to every YC company, at whatever terms were determined by the lead investor in the syndicate, he wouldn’t be pricing the angels out of the ecosystem.


c) Removing independent angel investors from the ecosystem is a bad idea


Naturally, angels like me will be upset about getting shut out of the ecosystem, but why is that bad for Silicon Valley? After all, between YC, TechStars, the Founders Institute, and all the other incubators and quasi-incubators, who needs us? Let the incubators pick the winners, and let the DSTs fund them.


The problem is that the chaotic, fragmented, Darwinian nature of Silicon Valley is an integral part of what makes it great. We need those random mutations to generate innovation, especially breakthrough innovation.


If we concentrate the decision-making on who does and doesn’t get funding in the hands of a small number of institutions, we hurt Silicon Valley as a whole, no matter how smart those institutions are.


I tell many people that Paul Graham is a genius. He saw the opportunity to start YC, and he’s done the Valley a huge favor by broadening the pool of company founders. But I don’t want Paul to be one of a small group of people who decides which companies get funding—not because he isn’t smart (he is) or a great guy (he is). When it comes to innovation, central decision-making is bad, no matter how good the decision-makers are.


For all our flaws, independent angels serve the important role of enabling the “genetic diversity” of the startup population. That diversity is at the heart of Silicon Valley’s success, and that’s something we don’t want to lose.






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Scientists, telescope hunt massive hidden object in space – This <b>...</b>

You know how you sometimes can sense that something is present even though you can't see it? Well, astronomers are getting that feeling about a giant, hidden object in space. And when we say giant, we mean GIANT.

Experiments In Realtime <b>News</b>: The Eqentia Streams

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Shocking details have been released regarding the incident involving CBS News Chief Foreign Correspondent Lara Logan during the protests in Egypt. CBS News issued a statement Tuesday revealing that Logan is currentl in the.


bench craft company credit card

Scientists, telescope hunt massive hidden object in space – This <b>...</b>

You know how you sometimes can sense that something is present even though you can't see it? Well, astronomers are getting that feeling about a giant, hidden object in space. And when we say giant, we mean GIANT.

Experiments In Realtime <b>News</b>: The Eqentia Streams

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CBS <b>News</b>&#39; Lara Logan Sexually Assaulted in Egypt | Fancast <b>News</b>

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Friday, February 11, 2011

Making Fast Money

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Last week, it was reported in Politico that Sen. John Thune (R-S.D.) was leaning against running for president. On Thursday, Carl Cameron of Fox News reported that Thune is leaning against running for president.

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The <b>News</b> About John Thune Is That There&#39;s No <b>News</b> About John Thune

Last week, it was reported in Politico that Sen. John Thune (R-S.D.) was leaning against running for president. On Thursday, Carl Cameron of Fox News reported that Thune is leaning against running for president.

<b>News</b> Happening Now - KRQE

(KRQE NEWS 13) - As of 7:43 a.m. - Expectant mothers living on Albuquerque's Westside now have a shorter drive to make when they go into labor. Lovelace Hospital held a ribbon cutting on Thursday for the new birthing center at its ...

Conformism and Public <b>News</b> | The Big Picture

Get your geek on: We study a model where investment decisions are based on investors' information about the unknown and endogenous return of the investment.


bench craft company

The <b>News</b> About John Thune Is That There&#39;s No <b>News</b> About John Thune

Last week, it was reported in Politico that Sen. John Thune (R-S.D.) was leaning against running for president. On Thursday, Carl Cameron of Fox News reported that Thune is leaning against running for president.

<b>News</b> Happening Now - KRQE

(KRQE NEWS 13) - As of 7:43 a.m. - Expectant mothers living on Albuquerque's Westside now have a shorter drive to make when they go into labor. Lovelace Hospital held a ribbon cutting on Thursday for the new birthing center at its ...

Conformism and Public <b>News</b> | The Big Picture

Get your geek on: We study a model where investment decisions are based on investors' information about the unknown and endogenous return of the investment.


bench craft company

The <b>News</b> About John Thune Is That There&#39;s No <b>News</b> About John Thune

Last week, it was reported in Politico that Sen. John Thune (R-S.D.) was leaning against running for president. On Thursday, Carl Cameron of Fox News reported that Thune is leaning against running for president.

<b>News</b> Happening Now - KRQE

(KRQE NEWS 13) - As of 7:43 a.m. - Expectant mothers living on Albuquerque's Westside now have a shorter drive to make when they go into labor. Lovelace Hospital held a ribbon cutting on Thursday for the new birthing center at its ...

Conformism and Public <b>News</b> | The Big Picture

Get your geek on: We study a model where investment decisions are based on investors' information about the unknown and endogenous return of the investment.


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work at home mom selling ebooks by contactekobernie


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bench craft company

The <b>News</b> About John Thune Is That There&#39;s No <b>News</b> About John Thune

Last week, it was reported in Politico that Sen. John Thune (R-S.D.) was leaning against running for president. On Thursday, Carl Cameron of Fox News reported that Thune is leaning against running for president.

<b>News</b> Happening Now - KRQE

(KRQE NEWS 13) - As of 7:43 a.m. - Expectant mothers living on Albuquerque's Westside now have a shorter drive to make when they go into labor. Lovelace Hospital held a ribbon cutting on Thursday for the new birthing center at its ...

Conformism and Public <b>News</b> | The Big Picture

Get your geek on: We study a model where investment decisions are based on investors' information about the unknown and endogenous return of the investment.


bench craft company

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Wednesday, February 9, 2011

personal finance

Undeterred by the persistently high unemployment rate and slow economic growth, Obama pledges to invest tall stacks of money on "infrastructure." This includes such cutting-edge investments as additional paved trails in local parks -- presumably to ignite the sure-to-boom pedestrian path market. This from the man who also plans to prescribe pain pills instead of covering expensive medical procedures. Basically, in 21st century America we will meander through the world's most intricate system of hike-and-bike paths in a drug-induced daze until we accidentally fall into the abyss. Except it won't be the abyss, just a large hole left from another public works project that was left unfinished because the nation's finances fell into the actual abyss. This is what Obama means by "winning the future."

Egypt makes Mitt Romney look good -- at least compared to other Republican presidential hopefuls.



As Egypt's pro-democracy movement showed its first peaceful signs of life, there was former Arkansas governor Mike Huckabee telling a Knesset meeting that the anti-Mubarak protests "could threaten the world." He demonstrated his grasp of the fragility of the moment by joining right-wing Israeli officials and activists at the laying of a cornerstone for new Jewish housing on contested ground in East Jerusalem.



There was former UN ambassador John Bolton likening the "idealistic student demonstrators" to hippies ("We are not on the verge of the dawning of the Age of Aquarius in Egypt if only the demonstrators get their way"), ridiculing those who would "toss away lightly" the upside of standing by our man Mubarak "against the promise, the hope, the aspiration for sweetness and light and democratic government."



It took former Alaska governor Sarah Palin a week to say anything about Egypt, and when she did -- speaking in Reno, Nevada to 2,500 hunters at the annual convention of Safari Club International - her angle was what Egypt meant for Sarah Palin, victim. She said that a recent call by a Washington Post columnist for journalists to ignore her "sounds good, because there's a lot of chaos in Cairo, and I can't wait not to get blamed for it -- at least for a month."



If Rep. Michele Bachmann (R-Minn.) broke her radio silence on the Egyptian crisis during its first three weeks, whatever she said was under Google's radar.



So simply by echoing President Obama's call for a managed transition in Egypt -- the kind of nonpartisan support during international crises that a White House once could count on -- former Massachusetts governor Mitt Romney now leads the pack. In a CNN interview with Piers Morgan, Romney's only misstep was his clumsy attempt to distinguish between calling Mubarak a dictator (which he wouldn't), and calling him a "monarch-like" figure (which he would), which unfortunately recalled his clumsier attempt to tap-dance away from the mandate that everyone buy health insurance that he put at the heart of his own state plan.



Romney's vulnerability on the signature Republican issue -- he's the godfather of Obamacare! -- has his staffers tearing their hair out trying to write a better answer than the one he's giving. Compared to his flip-flops on abortion, "don't ask, don't tell," gun control, campaign finance and immigration, his touting the Massachusetts mandate as "a model for getting everybody insured" is proving way trickier to explain to GOP primary voters.



But there's another issue that could well steal center stage from Romneycare: religion.



On February 24, previews begin on Broadway for The Book of Mormon. A musical by South Park creators Matt Stone and Trey Parker, as well as Robert Lopez, co-writer of Avenue Q, the show is a spinoff of a 2003 episode of South Park called "All About the Mormons?"



Even within the South Park tradition of making savage fun of everything, including other religious denominations, "All About the Mormons?" is particularly brutal. It basically says that you have to be dumb or crazy to believe the foundational story of the Church of Jesus Christ of Latter-day Saints (Joseph Smith translating ancient glyphs on golden plates that an angel led him to), or to believe the sacred story told on those plates (the resurrected Jesus preaching to the Indian descendants of a pre-Columbian civilization whose founders emigrated from Jerusalem to America).



In 2007, Romney gave a speech about religious liberty, religious tolerance and the role that faith would play in his presidency. It hit many of the same notes as John F. Kennedy's 1960 speech about religion, politics and his Catholic faith. In it, Romney refused to "distance myself from my religion, say that it is more a tradition than my personal conviction.... That I will not do." Like President Obama at the National Prayer Breakfast last week, Romney said in his speech that he believes "that Jesus Christ is the Son of God and the Savior of mankind." To go beyond that and discuss LDS doctrine, he said, "would enable the very religious test the founders prohibited in the Constitution."



That speech put the religious issue to bed for the 2008 primary season, and it's likely that he'll cite and recycle it at key moments in his campaign for 2012. But I wonder whether the high-profile skewering of his religion on Broadway will require some new Qs & As in his briefing book. The easy Q is what he thinks of the attack; the A to that is the wisdom of the First Amendment. The hard Q is whether he believes that the story of the golden plates and what was written on them is literally true -- factually accurate history.



Perhaps he can just repeat what he said in 2007 and rule the question constitutionally out of bounds. But Broadway may raise the bar on what his answer needs to accomplish, both for fundamentalists who are looking for someone more electable than Sarah Palin, and for more secular voters who want to know what Romney's made of and might be disappointed by his ducking.



At the end of the "All About the Mormons?" episode, Gary, a Mormon kid whose family moved to South Park, says this:



"Look, maybe us Mormons do believe in crazy stories that make absolutely no sense, and maybe Joseph Smith did make it all up, but I have a great life, and a great family, and I have the Book of Mormon to thank for that. The truth is, I don't care if Joseph Smith made it all up, because what the church teaches now is loving your family, being nice and helping people. And even though people in this town might think that's stupid, I still choose to believe in it."


Mitt Romney doesn't agree with Gary, so that tack isn't an option. Still, just as he desperately needs a better answer to the mandate issue, the pop culture assault on what he holds to be true may require upgrading his answer on the religious issue to version 2.0.



This is my column from The Jewish Journal of Greater Los Angeles. You can read more of my columns here, and e-mail me there if you'd like.







bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

OFWs claim jail beatings - Arab <b>News</b>

Monterona told Arab News in an email that he has received several messages from jailed OFWs asking for assistance. One such message was from Farouq Hadji Malik Bayabao, who claimed that he and his fellow inmates had been heavily beaten ...

Fox <b>News</b> focus group in Iowa: President Obama is Muslim | The <b>...</b>

On Sean Hannity's program Monday night, pollster Frank Luntz hosted a focus group of Iowa Republican caucus-goers, gauging their reaction of President Barack Obama's Sunday afternoon interview with Fox News' Bill O'Reilly. ...


bench craft company
Undeterred by the persistently high unemployment rate and slow economic growth, Obama pledges to invest tall stacks of money on "infrastructure." This includes such cutting-edge investments as additional paved trails in local parks -- presumably to ignite the sure-to-boom pedestrian path market. This from the man who also plans to prescribe pain pills instead of covering expensive medical procedures. Basically, in 21st century America we will meander through the world's most intricate system of hike-and-bike paths in a drug-induced daze until we accidentally fall into the abyss. Except it won't be the abyss, just a large hole left from another public works project that was left unfinished because the nation's finances fell into the actual abyss. This is what Obama means by "winning the future."

Egypt makes Mitt Romney look good -- at least compared to other Republican presidential hopefuls.



As Egypt's pro-democracy movement showed its first peaceful signs of life, there was former Arkansas governor Mike Huckabee telling a Knesset meeting that the anti-Mubarak protests "could threaten the world." He demonstrated his grasp of the fragility of the moment by joining right-wing Israeli officials and activists at the laying of a cornerstone for new Jewish housing on contested ground in East Jerusalem.



There was former UN ambassador John Bolton likening the "idealistic student demonstrators" to hippies ("We are not on the verge of the dawning of the Age of Aquarius in Egypt if only the demonstrators get their way"), ridiculing those who would "toss away lightly" the upside of standing by our man Mubarak "against the promise, the hope, the aspiration for sweetness and light and democratic government."



It took former Alaska governor Sarah Palin a week to say anything about Egypt, and when she did -- speaking in Reno, Nevada to 2,500 hunters at the annual convention of Safari Club International - her angle was what Egypt meant for Sarah Palin, victim. She said that a recent call by a Washington Post columnist for journalists to ignore her "sounds good, because there's a lot of chaos in Cairo, and I can't wait not to get blamed for it -- at least for a month."



If Rep. Michele Bachmann (R-Minn.) broke her radio silence on the Egyptian crisis during its first three weeks, whatever she said was under Google's radar.



So simply by echoing President Obama's call for a managed transition in Egypt -- the kind of nonpartisan support during international crises that a White House once could count on -- former Massachusetts governor Mitt Romney now leads the pack. In a CNN interview with Piers Morgan, Romney's only misstep was his clumsy attempt to distinguish between calling Mubarak a dictator (which he wouldn't), and calling him a "monarch-like" figure (which he would), which unfortunately recalled his clumsier attempt to tap-dance away from the mandate that everyone buy health insurance that he put at the heart of his own state plan.



Romney's vulnerability on the signature Republican issue -- he's the godfather of Obamacare! -- has his staffers tearing their hair out trying to write a better answer than the one he's giving. Compared to his flip-flops on abortion, "don't ask, don't tell," gun control, campaign finance and immigration, his touting the Massachusetts mandate as "a model for getting everybody insured" is proving way trickier to explain to GOP primary voters.



But there's another issue that could well steal center stage from Romneycare: religion.



On February 24, previews begin on Broadway for The Book of Mormon. A musical by South Park creators Matt Stone and Trey Parker, as well as Robert Lopez, co-writer of Avenue Q, the show is a spinoff of a 2003 episode of South Park called "All About the Mormons?"



Even within the South Park tradition of making savage fun of everything, including other religious denominations, "All About the Mormons?" is particularly brutal. It basically says that you have to be dumb or crazy to believe the foundational story of the Church of Jesus Christ of Latter-day Saints (Joseph Smith translating ancient glyphs on golden plates that an angel led him to), or to believe the sacred story told on those plates (the resurrected Jesus preaching to the Indian descendants of a pre-Columbian civilization whose founders emigrated from Jerusalem to America).



In 2007, Romney gave a speech about religious liberty, religious tolerance and the role that faith would play in his presidency. It hit many of the same notes as John F. Kennedy's 1960 speech about religion, politics and his Catholic faith. In it, Romney refused to "distance myself from my religion, say that it is more a tradition than my personal conviction.... That I will not do." Like President Obama at the National Prayer Breakfast last week, Romney said in his speech that he believes "that Jesus Christ is the Son of God and the Savior of mankind." To go beyond that and discuss LDS doctrine, he said, "would enable the very religious test the founders prohibited in the Constitution."



That speech put the religious issue to bed for the 2008 primary season, and it's likely that he'll cite and recycle it at key moments in his campaign for 2012. But I wonder whether the high-profile skewering of his religion on Broadway will require some new Qs & As in his briefing book. The easy Q is what he thinks of the attack; the A to that is the wisdom of the First Amendment. The hard Q is whether he believes that the story of the golden plates and what was written on them is literally true -- factually accurate history.



Perhaps he can just repeat what he said in 2007 and rule the question constitutionally out of bounds. But Broadway may raise the bar on what his answer needs to accomplish, both for fundamentalists who are looking for someone more electable than Sarah Palin, and for more secular voters who want to know what Romney's made of and might be disappointed by his ducking.



At the end of the "All About the Mormons?" episode, Gary, a Mormon kid whose family moved to South Park, says this:



"Look, maybe us Mormons do believe in crazy stories that make absolutely no sense, and maybe Joseph Smith did make it all up, but I have a great life, and a great family, and I have the Book of Mormon to thank for that. The truth is, I don't care if Joseph Smith made it all up, because what the church teaches now is loving your family, being nice and helping people. And even though people in this town might think that's stupid, I still choose to believe in it."


Mitt Romney doesn't agree with Gary, so that tack isn't an option. Still, just as he desperately needs a better answer to the mandate issue, the pop culture assault on what he holds to be true may require upgrading his answer on the religious issue to version 2.0.



This is my column from The Jewish Journal of Greater Los Angeles. You can read more of my columns here, and e-mail me there if you'd like.







bench craft company>

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

OFWs claim jail beatings - Arab <b>News</b>

Monterona told Arab News in an email that he has received several messages from jailed OFWs asking for assistance. One such message was from Farouq Hadji Malik Bayabao, who claimed that he and his fellow inmates had been heavily beaten ...

Fox <b>News</b> focus group in Iowa: President Obama is Muslim | The <b>...</b>

On Sean Hannity's program Monday night, pollster Frank Luntz hosted a focus group of Iowa Republican caucus-goers, gauging their reaction of President Barack Obama's Sunday afternoon interview with Fox News' Bill O'Reilly. ...


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[reefeed]
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McGraw-Hill Personal Finance Awards Ceremony by ICFJ


bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

OFWs claim jail beatings - Arab <b>News</b>

Monterona told Arab News in an email that he has received several messages from jailed OFWs asking for assistance. One such message was from Farouq Hadji Malik Bayabao, who claimed that he and his fellow inmates had been heavily beaten ...

Fox <b>News</b> focus group in Iowa: President Obama is Muslim | The <b>...</b>

On Sean Hannity's program Monday night, pollster Frank Luntz hosted a focus group of Iowa Republican caucus-goers, gauging their reaction of President Barack Obama's Sunday afternoon interview with Fox News' Bill O'Reilly. ...


bench craft company
Undeterred by the persistently high unemployment rate and slow economic growth, Obama pledges to invest tall stacks of money on "infrastructure." This includes such cutting-edge investments as additional paved trails in local parks -- presumably to ignite the sure-to-boom pedestrian path market. This from the man who also plans to prescribe pain pills instead of covering expensive medical procedures. Basically, in 21st century America we will meander through the world's most intricate system of hike-and-bike paths in a drug-induced daze until we accidentally fall into the abyss. Except it won't be the abyss, just a large hole left from another public works project that was left unfinished because the nation's finances fell into the actual abyss. This is what Obama means by "winning the future."

Egypt makes Mitt Romney look good -- at least compared to other Republican presidential hopefuls.



As Egypt's pro-democracy movement showed its first peaceful signs of life, there was former Arkansas governor Mike Huckabee telling a Knesset meeting that the anti-Mubarak protests "could threaten the world." He demonstrated his grasp of the fragility of the moment by joining right-wing Israeli officials and activists at the laying of a cornerstone for new Jewish housing on contested ground in East Jerusalem.



There was former UN ambassador John Bolton likening the "idealistic student demonstrators" to hippies ("We are not on the verge of the dawning of the Age of Aquarius in Egypt if only the demonstrators get their way"), ridiculing those who would "toss away lightly" the upside of standing by our man Mubarak "against the promise, the hope, the aspiration for sweetness and light and democratic government."



It took former Alaska governor Sarah Palin a week to say anything about Egypt, and when she did -- speaking in Reno, Nevada to 2,500 hunters at the annual convention of Safari Club International - her angle was what Egypt meant for Sarah Palin, victim. She said that a recent call by a Washington Post columnist for journalists to ignore her "sounds good, because there's a lot of chaos in Cairo, and I can't wait not to get blamed for it -- at least for a month."



If Rep. Michele Bachmann (R-Minn.) broke her radio silence on the Egyptian crisis during its first three weeks, whatever she said was under Google's radar.



So simply by echoing President Obama's call for a managed transition in Egypt -- the kind of nonpartisan support during international crises that a White House once could count on -- former Massachusetts governor Mitt Romney now leads the pack. In a CNN interview with Piers Morgan, Romney's only misstep was his clumsy attempt to distinguish between calling Mubarak a dictator (which he wouldn't), and calling him a "monarch-like" figure (which he would), which unfortunately recalled his clumsier attempt to tap-dance away from the mandate that everyone buy health insurance that he put at the heart of his own state plan.



Romney's vulnerability on the signature Republican issue -- he's the godfather of Obamacare! -- has his staffers tearing their hair out trying to write a better answer than the one he's giving. Compared to his flip-flops on abortion, "don't ask, don't tell," gun control, campaign finance and immigration, his touting the Massachusetts mandate as "a model for getting everybody insured" is proving way trickier to explain to GOP primary voters.



But there's another issue that could well steal center stage from Romneycare: religion.



On February 24, previews begin on Broadway for The Book of Mormon. A musical by South Park creators Matt Stone and Trey Parker, as well as Robert Lopez, co-writer of Avenue Q, the show is a spinoff of a 2003 episode of South Park called "All About the Mormons?"



Even within the South Park tradition of making savage fun of everything, including other religious denominations, "All About the Mormons?" is particularly brutal. It basically says that you have to be dumb or crazy to believe the foundational story of the Church of Jesus Christ of Latter-day Saints (Joseph Smith translating ancient glyphs on golden plates that an angel led him to), or to believe the sacred story told on those plates (the resurrected Jesus preaching to the Indian descendants of a pre-Columbian civilization whose founders emigrated from Jerusalem to America).



In 2007, Romney gave a speech about religious liberty, religious tolerance and the role that faith would play in his presidency. It hit many of the same notes as John F. Kennedy's 1960 speech about religion, politics and his Catholic faith. In it, Romney refused to "distance myself from my religion, say that it is more a tradition than my personal conviction.... That I will not do." Like President Obama at the National Prayer Breakfast last week, Romney said in his speech that he believes "that Jesus Christ is the Son of God and the Savior of mankind." To go beyond that and discuss LDS doctrine, he said, "would enable the very religious test the founders prohibited in the Constitution."



That speech put the religious issue to bed for the 2008 primary season, and it's likely that he'll cite and recycle it at key moments in his campaign for 2012. But I wonder whether the high-profile skewering of his religion on Broadway will require some new Qs & As in his briefing book. The easy Q is what he thinks of the attack; the A to that is the wisdom of the First Amendment. The hard Q is whether he believes that the story of the golden plates and what was written on them is literally true -- factually accurate history.



Perhaps he can just repeat what he said in 2007 and rule the question constitutionally out of bounds. But Broadway may raise the bar on what his answer needs to accomplish, both for fundamentalists who are looking for someone more electable than Sarah Palin, and for more secular voters who want to know what Romney's made of and might be disappointed by his ducking.



At the end of the "All About the Mormons?" episode, Gary, a Mormon kid whose family moved to South Park, says this:



"Look, maybe us Mormons do believe in crazy stories that make absolutely no sense, and maybe Joseph Smith did make it all up, but I have a great life, and a great family, and I have the Book of Mormon to thank for that. The truth is, I don't care if Joseph Smith made it all up, because what the church teaches now is loving your family, being nice and helping people. And even though people in this town might think that's stupid, I still choose to believe in it."


Mitt Romney doesn't agree with Gary, so that tack isn't an option. Still, just as he desperately needs a better answer to the mandate issue, the pop culture assault on what he holds to be true may require upgrading his answer on the religious issue to version 2.0.



This is my column from The Jewish Journal of Greater Los Angeles. You can read more of my columns here, and e-mail me there if you'd like.







bench craft company

McGraw-Hill Personal Finance Awards Ceremony by ICFJ


bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

OFWs claim jail beatings - Arab <b>News</b>

Monterona told Arab News in an email that he has received several messages from jailed OFWs asking for assistance. One such message was from Farouq Hadji Malik Bayabao, who claimed that he and his fellow inmates had been heavily beaten ...

Fox <b>News</b> focus group in Iowa: President Obama is Muslim | The <b>...</b>

On Sean Hannity's program Monday night, pollster Frank Luntz hosted a focus group of Iowa Republican caucus-goers, gauging their reaction of President Barack Obama's Sunday afternoon interview with Fox News' Bill O'Reilly. ...


bench craft company

McGraw-Hill Personal Finance Awards Ceremony by ICFJ


bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

OFWs claim jail beatings - Arab <b>News</b>

Monterona told Arab News in an email that he has received several messages from jailed OFWs asking for assistance. One such message was from Farouq Hadji Malik Bayabao, who claimed that he and his fellow inmates had been heavily beaten ...

Fox <b>News</b> focus group in Iowa: President Obama is Muslim | The <b>...</b>

On Sean Hannity's program Monday night, pollster Frank Luntz hosted a focus group of Iowa Republican caucus-goers, gauging their reaction of President Barack Obama's Sunday afternoon interview with Fox News' Bill O'Reilly. ...


bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

OFWs claim jail beatings - Arab <b>News</b>

Monterona told Arab News in an email that he has received several messages from jailed OFWs asking for assistance. One such message was from Farouq Hadji Malik Bayabao, who claimed that he and his fellow inmates had been heavily beaten ...

Fox <b>News</b> focus group in Iowa: President Obama is Muslim | The <b>...</b>

On Sean Hannity's program Monday night, pollster Frank Luntz hosted a focus group of Iowa Republican caucus-goers, gauging their reaction of President Barack Obama's Sunday afternoon interview with Fox News' Bill O'Reilly. ...


bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

OFWs claim jail beatings - Arab <b>News</b>

Monterona told Arab News in an email that he has received several messages from jailed OFWs asking for assistance. One such message was from Farouq Hadji Malik Bayabao, who claimed that he and his fellow inmates had been heavily beaten ...

Fox <b>News</b> focus group in Iowa: President Obama is Muslim | The <b>...</b>

On Sean Hannity's program Monday night, pollster Frank Luntz hosted a focus group of Iowa Republican caucus-goers, gauging their reaction of President Barack Obama's Sunday afternoon interview with Fox News' Bill O'Reilly. ...


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bench craft company

McGraw-Hill Personal Finance Awards Ceremony by ICFJ


bench craft company
bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

OFWs claim jail beatings - Arab <b>News</b>

Monterona told Arab News in an email that he has received several messages from jailed OFWs asking for assistance. One such message was from Farouq Hadji Malik Bayabao, who claimed that he and his fellow inmates had been heavily beaten ...

Fox <b>News</b> focus group in Iowa: President Obama is Muslim | The <b>...</b>

On Sean Hannity's program Monday night, pollster Frank Luntz hosted a focus group of Iowa Republican caucus-goers, gauging their reaction of President Barack Obama's Sunday afternoon interview with Fox News' Bill O'Reilly. ...


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Personal finance is MUCH too large a topic to be covered in one article, so I'm writing a personal finance series to help explain some of the basics for the true, absolute, complete beginner. There will be articles geared toward beginners on stocks, bonds, mutual funds, IRAs, 401ks, credit card interest, asset allocation, home loans and more. There is no specific order in which the articles should be read, but since many aspects of personal finance are interrelated, I will try to include links in each article to other pertinent articles. I will also update this article with links to the new ones as they're published, so please check back frequently! I will try to address common beginner questions and misconceptions that I read on personal finance forums, and if readers have questions I encourage you to contact me with them - I will do my best to address them in subsequent articles, or try to find the answers for you. Below you'll find links to all of the series articles, as well as links to other finance articles I've written and an introduction to let you know where I'm coming from.

Series Articles:
What are Stocks and Bonds, and How do They Work?
What is a Market Index? The Dow Demystified
What are Mutual Funds? A Beginner's Guide
What is an IRA? A Beginner's Guide
IRAs vs. Mutual Funds: What's the Difference?
What is an Investment Account? A Beginner's Guide
Where Should I Open an IRA?
What are Asset Classes?

Other Finance Articles:
Financial Planning for Home Improvements
Using a 401k Loan for a Home Downpayment
Tips for Asset Allocation
Mutual Fund Investments for Seniors
Estate Planning for the Self-Employed
Tips for Living Debt-Free
How to Manage Your Own Stock Portfolio
Budgeting Tips for Baby Boomers
Freelancing When The Economy Has Center Stage

(These articles were not written with the complete beginner in mind, so if you have questions, don't hesitate to ask them in the comments section or refer back to the beginner's series.)

With credit card debt soaring, home foreclosures rising and gas prices through the roof, it's no wonder that more and more Americans are having a hard time making ends meet. However, I believe a big part of the reason that so many people are struggling with money is because they simply don't know the basics of personal finance. In fact, they don't know enough about personal finance to even know what questions to ask with regard to things like investing in the stock market, saving for retirement or making a home down payment. Most of us don't learn anything about personal finance in school, and if our parents don't have any knowledge to pass along, we're left to figure it out on our own. Employers sometimes offer retirement accounts and other vehicles to help their employees save and plan, but people frequently don't have the basic knowledge necessary to understand how to use these perks to their best advantage.

Lucky for me, I've always been naturally frugal, but I had to learn the ins and outs of investing, retirement accounts, asset allocation and other financial matters on my own. I am a self-employed opera singer, so it has been especially crucial for me to learn to take care of my personal financial health, since I don't have an employer-sponsored retirement plan to back me up. Unfortunately, they don't teach this stuff in music school! I was naturally drawn to the subject of personal finance, so even as a beginner learning came easily for me. I gained personal finance knowledge through a combination of reading, asking questions and good old-fashioned trial and error. There are plenty of books and websites out there for beginners with all sorts of information on the topic of personal finance, but the sheer quantity can be overwhelming. Also, I've found that many "beginner" materials don't do a great job with the basics - they assume a certain amount of prior personal finance experience on the part of the reader and use terminology that can confuse or intimidate a complete beginner. On personal finance forums, beginners are often scared to ask "dumb" questions, or they simply don't know what to ask.

As I said above, this series is written with the true, absolute, complete beginner in mind. There are no dumb questions, so ask away. I look forward to hearing from you and I hope you enjoy the series!





















































Tuesday, February 8, 2011

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

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Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...


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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.

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Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...


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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 ...

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...


surface encounters

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 ...

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...


surface encounters

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 ...

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...


surface encounters

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 ...

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...


surface encounters

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 ...

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...


surface encounters

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 ...

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...


surface encounters

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 ...

Fujifilm announces commercial release of FinePix X100: Digital <b>...</b>

Fujifilm announces commercial release of FinePix X100: CP+ 2011: Five months after first showcasing it at the 2010 Photokina trade show, Fujifilm has announced the commercial release of the X100, a large-sensor compact camera aimed at ...