Showing posts with label online stock trading and investments. Show all posts
Showing posts with label online stock trading and investments. Show all posts

Wednesday, November 17, 2010

managing your personal finances

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

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How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

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Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

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Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

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A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

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To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

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Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema


A survey released today by Javelin Strategy & Research, which serves financial institutions, found in August that nearly one in five Americans doesn't monitor or manage their personal finances. That rate is double what it was just a year ago. Despite the fact the recession has made it more important than ever to carefully track our money, when it comes to personal finances, 19% of Americans stuck their head in the sand. A year before, another survey had the figure at just 8%.



More anxiety-induced news: The percentage of Americans who say they sometimes log onto their checking account balances with their banks' websites dropped to 46%, down 13 points from 59% a year ago. Even those who track their money by pen and paper dropped, from 50% to 46%.




"It's a natural human reaction to stress: 'Maybe if I don't look at it, it will go away.'" explains the study's co-author, senior analyst Mark Schwanhausser. "I think you have fewer people checking their finances online because they don't like what they're seeing. 'I'm going to be a financial sleepwalker. I'm not going to look.'"



Schwanhausser's prescription for the problem involves convincing America's major financial institutions that they're doing a lousy job helping make it easier and less stressful for their customers to track their money. "It's not enough to tell you how to fix the toilet," he says. "You've got to have the wrench."



Yet despite the fact that most Americans' money resides at a bank, few banks are interested in furnishing financial planning tools. Right now, Schwanhausser argues, most people are required to log into a wide variety of websites to track their money. For example, 75% of Americans who have a credit card get it from somewhere other than their primary bank, meaning their finances are scattered across many websites, unreconciled.



When people do turn to their bank's websites, he argues, the financial planning tools are nearly non-existent despite the fact our society increasingly demands greater personal control through technology. "Today's online banking is like having avocado green appliances from the 1970s. It just doesn't cut it," says Schwanhausser.



Schwanhausser is using the survey to convince banks that it will actually endear customers to them if they put personal finance tools front and center on their sites, helping customers paint a clear picture of their own financial habits. He's pressing them to develop systems, both on the Web and through mobile apps, that can draw in customers' information from other sites, such as credit cards and mortgage lenders, so financial care-taking can be a one-stop process.



So far, banks and lenders have been slow to use existing technology to make money management a less daunting chore. Part of the issue is that many banks don't want to acknowledge competitors by drawing in account balances from elsewhere. Banks also stand to make money off poor financial planning through penalties and fees. Like a doctor who makes money off treating disease, promoting financial good health does not on the surface appear to be in a bank's best interest.



"You can't manage what you don't measure," says Schwanhausser. "And if the bank's not going to provide it for you, you have to go get it in other places."



He recommends existing aggregators such as Mint.com, which pulls your data from multiple sources and lays it out in spreadsheets and in spending plans, as a model for what all the banks should be doing for their customers.



He also notes that Bank of America's "My Portfolio" and Wells Fargo's "My Savings Plan" are two fledgling, if little-known, bank-created features that are slowly reaching toward the sort of comprehensive personal finance planning features he advocates.



As long as it remains difficult or scary, though, when it comes to their finances, Americans will remain more likely to use the Ostrich Method.
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Google <b>News</b> experiments with metatags for publishers to give <b>...</b>

One of the biggest challenges Google News faces is one that seems navel-gazingly philosophical, but is in fact completely practical: how to determine authorship. In the glut of information on the web, much of it is, if not completely ...

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Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

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G20 Summit, London, G20 London, G20 Protests, G20 Demonstrations by G20London2009


Google <b>News</b> experiments with metatags for publishers to give <b>...</b>

One of the biggest challenges Google News faces is one that seems navel-gazingly philosophical, but is in fact completely practical: how to determine authorship. In the glut of information on the web, much of it is, if not completely ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

Small Business <b>News</b>: Entrepreneurs and The Economy

Entrepreneurs and small businesses are important to economic recovery. This we hear on the news regularly. But it is also important that entrepreneurial efforts.


alpine payment systems scam

Google <b>News</b> experiments with metatags for publishers to give <b>...</b>

One of the biggest challenges Google News faces is one that seems navel-gazingly philosophical, but is in fact completely practical: how to determine authorship. In the glut of information on the web, much of it is, if not completely ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

Small Business <b>News</b>: Entrepreneurs and The Economy

Entrepreneurs and small businesses are important to economic recovery. This we hear on the news regularly. But it is also important that entrepreneurial efforts.


Friday, September 24, 2010

personal finances help






















Solopreneurs often feel that they don't need a business plan, especially if they're not looking for financing.  Is this true? When do you need a plan? How complex does it have to be?


To help unravel the solo business plan mystery and the "how to" of it all, I turned to small business consultant, Doug Dolan. Here's what Doug has to say:


One of the top five questions I get from solopreneurs is, “Do I need a business plan?” My answer is always, yes. However, this doesn’t mean you need a formal plan. The detail, complexity and length of your plan will vary depending on these key factors:


1. The complexity of your business
2. The amount and source of your funding
3. The severity of the damages you will incur if your business fails


Business plans run the spectrum from a one-page outline or mini-plan to a 30-page formal business plan.


For example, if you wish to start an internet-based business using a meager portion of your savings to bring in some secondary, passive income through affiliate sales while working your day job, you can get started right away with a basic outline or mini-plan.


However, if you are passionate about designing a patentable, reverse osmosis water filtration system requiring a $500,000 investment (a combination of mortgaging your house, cashing out the kids’ college funds, and outside investment), a formal plan is necessary.


What is a mini-plan?
A mini-plan will range in size from one to 10 pages (whereas a formal plan may often span from 18 – 30 pages). So what’s in a mini-plan? At minimum, you need to have the following:


• Your UVP
• A definition of your prime prospect
• A list of your prime competitors
• The products / services you will offer
• Finances needed to reach profitability
• How you will utilize those funds
• Legal structure and other necessary licenses, permits and certifications
• A marketing plan (from ads, to social media, joint venture partners, etc….)
• Goals


What is a formal business plan?
If you do a search online for a “business plan template”, you will find a few different versions. So which do you use? Here are the sections an investor will want to see:


• Executive Summary
• Company Analysis
• Industry Analysis
• Customer Analysis
• Competitive Analysis
• Marketing Plan
• Operations Plan
• Management Bio(s)
• Financial Plans
• Appendix


What if you find yourself stuck (or simply fed-up with the process), where can you get help? You have a couple of options:


1. Do a search online for “free business plan templates”.
2. Buy a software package and fill out a template.
3. Seek out a SCORE or SBDC counselor to give you some free advice.
4. Hire a consultant (like me) to help you develop your plan and / or review and edit a final draft.
5. Hire a consultant or company to draft your plan from scratch.


Here are pluses and minuses with each of these scenarios.


Templates and software packages are simply tools. They don’t fill it out for you. Moreover, most of these options focus solely on the formal plan structure.


Seeking out a SCORE or SBDC counselor offers you a no-cost alternative, however, they will typically only help with reviewing a final plan … and often only a formal plan.


Hiring a consultant for a coaching or a review will cost you some of your start-up funds, however, you will receive more active, personal attention.


As for hiring a consultant to create a business plan for you, typically, this will cost you the most. While this will free up your time for other start-up activities, you will miss an excellent opportunity to get to know your business and your market. It is through market research and developing your plan where you gain the most insight. If you need to pitch investors, you had better know your plan forwards and backwards.


When creating a plan, let me stress a couple of key points.


1. Create a plan.
Don’t get started without a plan. It is your roadmap taking you from an idea to success. How long do you want that road to be? If you set up shop and start without a plan, chances are high, you will have to pull over along the way and ask for directions. Getting lost and asking for directions after the fact will cost you time and money.


2. If it doesn’t add up, take two steps back.
While doing additional research to complete your plan, you may find data that suggests your idea won’t make money. Don’t dismiss the negative information and only look for data that supports your idea. It is better at this point to go back to review and alter your idea and target market choice. Don’t try to sell yourself on a bad idea.


3. Have a pro review it.
If this is your first time creating a plan or if you are creating a plan for a business in an industry other than that of your previous work experience, let a successful entrepreneur review it. If you are creating a mini-plan, you may be able to start without having someone else reviewing it (although it wouldn’t hurt to let one successful entrepreneur take a quick look).


If you are creating a formal plan, you may want to consider passing it out to three pros. At least one of the three should be a successful professional with experience within your target industry while at least one should be an outsider.


Why?


First, with three pros, if there is a trend in their responses, you are less likely to dismiss what they have to say. Additionally, you will typically find that they each may give advice not provided by the other two.


Second, an industry insider will help you with the areas of your business you don’t know you don’t know while an outsider can tell you whether your plan is in plain enough English. Not everyone that you pitch your plan to will be from your target industry. You don’t want to miss out on securing money because your language confuses them.


If you have questions or find you are struggling with areas of your plan, leave a comment below or write me at doug@smallbizbreak.com.


Doug Dolan is a partner at Small Biz Break. Small Biz Break helps entrepreneurs expedite their new small business ideas to market and activates a buzz for their brand with multimedia services. Go to Small Biz Break to access their free business templates, forms and ebooks and to get more information about their small business startup and multimedia services.














Events of the last week have made the Deficit Commission an embarrassment. Co-Chair Alan Simpson is a one-man disaster movie, compulsively offending one key voting bloc after another. Commission member Paul Ryan faced an angry crowd over his anti-Social Security stance, while another Commissioner locked experienced workers out of a nuclear facility rather than provide retirement benefits.


That's right: He's cutting retirement benefits.


But if the political blowback is obvious, here's what isn't: The Commissioners who are determined to cut your Social Security benefits are going to enjoy their own retirements in comfort. Their own pension plans insulate them from the fears that many other Americans face, and they don't have the professional expertise that would help them understand those concerns. In fact, the Commission's only expert on retirement is Rep. Jan Schakowsky, and she apparently opposes benefit cuts. The rest of the Commission is dominated by people who've expressed their desire to cut Social Security, despite their own secure futures. Millions of working Americans who have contributed to Social Security all their lives will lose out if these Commissioners have their way.


Happy Labor Day.


Normally I consider it off-limits to discuss people's personal finances when discussing their political opinions. But these Commissioners' lack of subject matter expertise, along with their lack of empathy, is important. If you don't know much about the topic and are protected from the problem, what makes you credible? Their pre-established prejudices makes the situation even worse, and their own situations underscore the irony of their self-professed willingness to make "brave choices" - choices whose consequences will mean little or nothing to them.


The Commission's Social Security obsession is odd anyway, since the projected Social Security shortfall comes out to only 0.7% of GDP. Nevertheless, these Commissioners have made their benefit-cutting intentions plain, presumably because they want to offer up America's seniors as a sacrifice to the bond markets. So how will these would-be income-slashers for the elderly make out in their own golden years? They'll be golden.


Consider Commissioner Alice Rivlin. Rivlin co-authored a paper that called for raising the retirement age and other benefit cuts, and recently released a specious paper about "Saving Social Security." As a former HEW Undersecretary, CBO Director, White House Budget Director, and Federal Reserve Vice Chair, she will presumably enjoy a comfortable retirement supported by multiple public pensions. Says Rivlin: ""We can't get out of this problem without doing both spending cuts, especially slowing the growth of entitlement, and tax increases."


Experts on Social Security finance (including the long-time Chief Actuary for the program) flatly disagree with Rivlin, pointing out that an adjustment to the payroll tax cap would unquestionably be enough to get the job done. They have the numbers to prove it. So why does Rivlin, who does not have their expertise in this area, disagree? Go ask Alice.


Co-Chair Erskine Bowles brokered a deal with Newt Gingrich to cut Social Security in the 1990s, when he served as Bill Clinton's Chief of Staff. Before that he headed the Small Business Administration, so his government tenure presumably qualifies him for a Federal pension. If not, don't worry: He receives $425,000 per year in his current job running the public universities of North Carolina, and the people of North Carolina are presumably also funding a pension on his behalf. To his credit, Bowles pledged to donate $125,000 of his salary for need-based student funds - but then, he can afford it. As the son of a US Congressman, Bowles had the education and connections needed to make millions as an investment banker. The added income he earns today as a Board member for General Motors and Morgan Stanley will help, too - and his government experience undoubtedly helped him win those positions, too.


Republican Rep. Paul Ryan, an aggressive advocate of Social Security cuts and privatization, will also enjoy his sunset years in comfort, thanks to a publicly-funded pension from his tenure as a Congressman. (He'll presumably earn even more as a result of his employment as an aide to two United States Senators.) Rep. Jeb Hensaerling has served as both a Representative and as an aide to Sen. Phil Gramm, so he should be safe from financial insecurity in his old age too .


The average annual pension payments for former members of Congress ranged from $41,000 to $55,000 in 2002, considerably more than the average $13,836 that Social Security recipients received in 2009. Yet neither Ryan nor Hensaerling have proposed cutting Congressional retirement benefits - nor should they. Sound pension plans like theirs were once available to most working Americans, and more effort should be made to restore them.


Former SEIU President Andrew Stern, who once might have been counted on to defend Social Security, recently sneered at Commission critics as "assassins of change" while saying that "all entitlements should be on the table." Mr. Stern's annual pension is $152,000 - and he retired at the age of 59, not 70. Nevertheless, Stern now publicly muses about "whether defined benefit pensions can really exist in the long run in a globalized economy."


Judd Gregg, who wants to raise the retirement age to 70, will receive a Federal pension for his Senate position. Gregg, like Alan Simpson, is the son of a Governor (self-made men, you might say), which means that public pensions also ensured that neither of them had to worry about supporting their aged parents. Tom Coburn, another would-be Social Security cutter, will receive a Congressional and Senatorial pension too.


David Cote, the CEO of Honeywell, provides some "private enterprise" perspective to the Commission's work. But Cote's wealth comes in part from Honeywell's government contracts, which exceed $4 billion annually. What's more, Cote's "free enterprise" ethic didn't stop him from making sure that Honeywell grabbed a few million in stimulus money from the taxpayers, too. A few billion from the Pentagon here, a few million more from Uncle Sam there - that'll plump up the nest egg a little for Mr. Cote's sunset years.


Cote made the headlines this week when Honeywell locked out the union workers at a nuclear power plant over a labor dispute - even though the workers agreed to stay on the job to protect public safety. Instead, Cote hired replacements and put them through a pared-down training process. The image of Homer Simpson comes to mind, pushing the wrong buttons and spilling beer on the reactor console - which would presumably make Cote Mr. Burns.


But it's no joking matter. Apparently there's real danger, which is why the Nuclear Regulatory Commission reportedly stepped in to block Honeywell from distilling uranium with its crew of replacement workers And what are the union and Honeywell arguing about? Honeywell's raising health care costs - and eliminating retiree pension plans for new workers.


That's right. A member of the Commission that's pretending to judge our retirement security with impartiality would rather have hastily-trained amateurs handle nuclear materials than bargain openly with his workers - about their retirement. D'oh!


As for Simpson (Alan, not Bart), to say that he suffers from "political Tourette's syndrome" would be a disservice to Tourette's sufferers. Most of them don't really say socially objectionable things, and those who do (it's called "coprolalia") don't mean what they say. But Simpson does. By attacking senior citizens as "greedy geezers," then offending women with his "milk cow with 100 million tits" comment, and now offending veterans' groups, Simpson has now hit the voting bloc trifecta.


And Cote's outraged labor, a fourth group. But the problem isn't Simpson anymore, or Cote for that matter. It's the Commission itself. The coprolalic curmudgeon Simpson has done a service to the nation. He's drawn attention to the Commission, and to the anti-Social Security biases held by so many of its members - all of whom will retire in comfort, thanks to those whose benefits they would cut. It's the comfortable afflicting the afflicted.


If these Deficit Commission members want their recommendations to have any credibility, they should pledge to live on the same Social Security benefits that they would impose for other Americans. Better yet, they should dedicate themselves to helping provide every American with the kind of retirement security they enjoy. That was part of the social contract this nation embraced during its years of greatest economic growth, the fulfillment of a promise that a lifetime of work should never end with years of deprivation. They should be working to restore that contract, not erode it even further.


One thing is clear: This Commission has no business making recommendations about Social Security.


(Sign a petition asking Congress and the President to protect Social Security from the Deficit Commission. Roger Hickey has more here.)


Additional links:


* Sam Seder and I discussed Social Security this week while co-hosting The Young Turks.


* For further reference on the Commission's members and their biases, see Firedoglake and Talking Points Memo.


* House Democrats are vowing to protect Social Security from any cuts. The polls show why that's a very wise idea.




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Small Business <b>News</b>: An Owner&#39;s Manual

If only there were an owner's manual that came with your small business telling you what works, what doesn't and what are the best ways to move ahead in your.

<b>News</b> - Lindsay Lohan Going Back to Jail Until Oct. 22 - Celebrity <b>...</b>

Los Angeles Superior Court Judge Elden S. Fox revokes her probation for failing at least one drug test.

Scripting <b>News</b>: Angelgate in a Nutshell

Recent stories. Twitter links. My 40 most-recent Twitter links, ranked by number of clicks. My bike. People are always asking about my bike. A picture named bikesmall.jpg. Here's a picture. AFP news pic. Calendar ...


Small Business <b>News</b>: An Owner&#39;s Manual

If only there were an owner's manual that came with your small business telling you what works, what doesn't and what are the best ways to move ahead in your.

<b>News</b> - Lindsay Lohan Going Back to Jail Until Oct. 22 - Celebrity <b>...</b>

Los Angeles Superior Court Judge Elden S. Fox revokes her probation for failing at least one drug test.

Scripting <b>News</b>: Angelgate in a Nutshell

Recent stories. Twitter links. My 40 most-recent Twitter links, ranked by number of clicks. My bike. People are always asking about my bike. A picture named bikesmall.jpg. Here's a picture. AFP news pic. Calendar ...


big white booty

Small Business <b>News</b>: An Owner&#39;s Manual

If only there were an owner's manual that came with your small business telling you what works, what doesn't and what are the best ways to move ahead in your.

<b>News</b> - Lindsay Lohan Going Back to Jail Until Oct. 22 - Celebrity <b>...</b>

Los Angeles Superior Court Judge Elden S. Fox revokes her probation for failing at least one drug test.

Scripting <b>News</b>: Angelgate in a Nutshell

Recent stories. Twitter links. My 40 most-recent Twitter links, ranked by number of clicks. My bike. People are always asking about my bike. A picture named bikesmall.jpg. Here's a picture. AFP news pic. Calendar ...



12th Annual Charity Golf Tournament benefitting the Eureka Camp Society-Apex Secondary School-presented by SNC LAVALIN Pacific Liaicon and Associates Benefitting the Eureka Camp Society-Apex Secondary School photos by Ron Sombilon Gallery (440) by Ron Sombilon Gallery







12th Annual Charity Golf Tournament benefitting the Eureka Camp Society-Apex Secondary School-presented by SNC LAVALIN Pacific Liaicon and Associates Benefitting the Eureka Camp Society-Apex Secondary School photos by Ron Sombilon Gallery (440) by Ron Sombilon Gallery






























personal finance





10 Things Money Managers Won't Say [Smart Money] "#1: 'You may have more investing experience than I do.'"

3 Proven Ways to Save Real Money at Garage Sales [Wise Bread] "Here is how I managed to get some awesome deals!"

6 Tips to Stretch Your Back-to-School Cash [Money Talks News] "Here are five tips for stretching your back-to-school dollars."

Tips on tipping for 63 services [NY Times] "You know how much to tip the pizza delivery guy, right? But how about the fishing guide, tour guide or tattoo artist?"

Getting a Will: Six Common Questions [Bucks Blog] "Some common queries that tend to arise when writing a will."

— FREE MONEY FINANCE









Synium Software has released an update to iFinance Mobile adding native iPad support and several additional new features. iFinance Mobile is a personal finance application for iOS devices that allows users to record transactions and expenses on the go and optionally sync that data with iFinance for the Mac for expanded financial review and planning. iFinance Mobile 2.0 is now a universal app providing native support for the iPhone, iPod touch and iPad and adds a new Account History chart, CSV export of transaction data via e-mail and an improved, redesigned user interface for both the iPhone and iPad. The update also provides several other smaller enhancements such as a graphical calendar view, automatic BIC and IBAN validation, transaction sorting by date and localization in Czech, Polish, French and Russian. iFinance Mobile 2.0 is available from the App Store for $2 and is a free update for users of any prior version.







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Pentax announces price and availibilty for 645D camera: Digital <b>...</b>

Pentax announces price and availibilty for 645D camera: Photokina 2010: Pentax has announced its 645D medium format digital camera will start shipping globally from December 2010. The camera will sell at a retail price of $9999.99 for ...

Lindsay Lohan Photos &amp; Pics | BREAKING <b>NEWS</b> - Lindsay Lohan Gets <b>...</b>

Lindsay Lohan has just been sentenced to 30 days in jail for violating her probation after testing positive for cocaine. Judge Fox has denied Lindsay bail and has sent her straight to jail until October 22nd. But due to the overcrowding ...

SpeakerCraft rolls out speakers for iPad, iPhone, iPod | iLounge <b>News</b>

iLounge news discussing the SpeakerCraft rolls out speakers for iPad, iPhone, iPod. Find more iPod Accessories news from leading independent iPod, iPhone, and iPad site.


Pentax announces price and availibilty for 645D camera: Digital <b>...</b>

Pentax announces price and availibilty for 645D camera: Photokina 2010: Pentax has announced its 645D medium format digital camera will start shipping globally from December 2010. The camera will sell at a retail price of $9999.99 for ...

Lindsay Lohan Photos &amp; Pics | BREAKING <b>NEWS</b> - Lindsay Lohan Gets <b>...</b>

Lindsay Lohan has just been sentenced to 30 days in jail for violating her probation after testing positive for cocaine. Judge Fox has denied Lindsay bail and has sent her straight to jail until October 22nd. But due to the overcrowding ...

SpeakerCraft rolls out speakers for iPad, iPhone, iPod | iLounge <b>News</b>

iLounge news discussing the SpeakerCraft rolls out speakers for iPad, iPhone, iPod. Find more iPod Accessories news from leading independent iPod, iPhone, and iPad site.


big white booty

Pentax announces price and availibilty for 645D camera: Digital <b>...</b>

Pentax announces price and availibilty for 645D camera: Photokina 2010: Pentax has announced its 645D medium format digital camera will start shipping globally from December 2010. The camera will sell at a retail price of $9999.99 for ...

Lindsay Lohan Photos &amp; Pics | BREAKING <b>NEWS</b> - Lindsay Lohan Gets <b>...</b>

Lindsay Lohan has just been sentenced to 30 days in jail for violating her probation after testing positive for cocaine. Judge Fox has denied Lindsay bail and has sent her straight to jail until October 22nd. But due to the overcrowding ...

SpeakerCraft rolls out speakers for iPad, iPhone, iPod | iLounge <b>News</b>

iLounge news discussing the SpeakerCraft rolls out speakers for iPad, iPhone, iPod. Find more iPod Accessories news from leading independent iPod, iPhone, and iPad site.



Virtual Economics Winner during Teaching Personal Finance Workshop at WRLC 2008 Conference by Council for Economic Education







Virtual Economics Winner during Teaching Personal Finance Workshop at WRLC 2008 Conference by Council for Economic Education






























Saturday, September 18, 2010

budgeting personal finances




Use Prepaid Travel Cards to Budget Travel Expenses





Vacation is a time to let loose and have a little fun. It's all too easy, however, to let having a little fun turn into spending way too much. Use prepaid travel cards to keep spending contained, secure, and in budget.

Photo by eliazar.


Finance and frugality blog WiseBread shares a set of tips on using prepaid travel cards for safe, secure, and budget-friendly travel spending.



A prepaid travel card is generally usable in the place of a debit or credit card. You can withdraw cash at an ATM, pay for purchases, and make travel reservations. And as the name suggests, you prepay these expenses by loading money onto the card.


It is just as secure as a debit or credit card, since the prepaid travel card is protected by a PIN and/or signature. In fact, some would say that prepaid travel cards are even more secure, since the money is not linked to your bank account and has a limited balance (which limits your exposure).


It can also be a handy tool for budgeting, since you would load only the money you plan on spending for the trip onto the card, which helps you stick to your travel budget.



Check out the full article at the link below for additional tips and tricks including what to look for when shopping for a card like avoiding cards with a cash-out fee. Have your own tips for keeping your money secure and sticking to a budget while traveling? Let's hear about it in the comments.






Are you a fan of the GTD personal productivity system? Well if you like "Getting Things Done," here's GFD, Getting Finances Done, which shows you how to map David Allen's same principals to managing your personal finance and achieving your financial goals.



Applying GTD principles to your personal finances - Part 1 [Getting Finances Done]







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The Hockey <b>News</b>: Edward Fraser&#39;s blog: THN.com Blog: Flyers “way <b>...</b>

Philadelphia's senior vice president explains why this year's team will be even tougher and why their goaltending situation is where they want it to be.

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'The Big Bang Theory' star Kaley Cuoco will sit out more than the previously reported one episode due to her broken leg. According to The Ausiello.

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Hodgson speaks about Canucks relationship plus more.



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Tuesday, September 14, 2010

managing your personal finances




  • Average gas prices--September 13, 2010



  • You voted: letter grades edge ahead in fuel economy poll



  • For rent: 4.5 billion-year-old ball of fire



  • What Obama's transportation proposals mean for travelers



  • TomTom provides update for XL 350, XXL 550, and XL 335 GPS devices



  • Cash for appliances: Rebates aplenty in states big and small



  • Apple curtails its free case program for the iPhone 4



  • Daily Dispatch: Death of the RSS reader?; Toronto produces entertaining video to promote e-waste recycling



  • September could be Home Star’s month—or not



  • LG's 60PX950, the first THX 3D plasma, headed to the CR Test labs!







  • Average gas prices--September 13, 2010



  • You voted: letter grades edge ahead in fuel economy poll



  • For rent: 4.5 billion-year-old ball of fire



  • What Obama's transportation proposals mean for travelers



  • TomTom provides update for XL 350, XXL 550, and XL 335 GPS devices



  • Cash for appliances: Rebates aplenty in states big and small



  • Apple curtails its free case program for the iPhone 4



  • Daily Dispatch: Death of the RSS reader?; Toronto produces entertaining video to promote e-waste recycling



  • September could be Home Star’s month—or not



  • LG's 60PX950, the first THX 3D plasma, headed to the CR Test labs!





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Samsung NX100 mirrorless compact launched and previewed: Digital <b>...</b>

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Twitter To Look More Like Facebook&#39;s <b>News</b> Feed

We're trying not to be the type of people who hate change just because it's change.

Pew: Online <b>News</b> Use Growing But Traditional Methods Hanging In <b>...</b>

Print newspapers and radio are still slipping as sources but U.S. adults are spending more time with news these days when the internet and traditional platforms are combined. The amount of time spent on traditional platforms hasn't ...



IG20 Summit, London, G20 London, G20 Protests, G20 Demonstrations by G20London2009


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Samsung NX100 mirrorless compact launched and previewed: Digital <b>...</b>

Samsung NX100 mirrorless compact launched and previewed: Samsung has announced the addition of the NX100 to its NX series of mirrorless interchangeable lens cameras. It features the same 14.6Mp sensor and 3.0" OLED screen as the NX10, ...

Twitter To Look More Like Facebook&#39;s <b>News</b> Feed

We're trying not to be the type of people who hate change just because it's change.

Pew: Online <b>News</b> Use Growing But Traditional Methods Hanging In <b>...</b>

Print newspapers and radio are still slipping as sources but U.S. adults are spending more time with news these days when the internet and traditional platforms are combined. The amount of time spent on traditional platforms hasn't ...


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IG20 Summit, London, G20 London, G20 Protests, G20 Demonstrations by G20London2009































Thursday, September 2, 2010

personal finance


As a former Tea Party Democrat and frequent speaker at Tea Party rallies, I am deeply dismayed by the well publicized Tea Party demands to balance the budget. Such thinking is based on abject ignorance and counter to true Tea Party values. The Tea Party's demands to balance the budget and reduce the Federal deficit aren't merely misguided, but dangerous, and would cause the worst depression in history. I have been, and continue to be, a strong supporter of the core Tea Party values of lower taxes, limited government, competitive market solutions, and a return to personal responsibility. However, their proposals to balance the budget are the same suicidal policies that caused the 6 horrible depressions in the U.S. over the past 200 years. At the worst possible time to take money out of the economy, the Tea Party's proposals would remove an estimated $1 trillion and cause the worst depression in world history, destroying tens of millions of jobs and ruining our children's future.



Modern money, after the demise of the gold standard, is akin to a spreadsheet that simply works by computer. As Fed Chairman Bernanke explained on national television on 60 minutes, when the government spends or lends, it does so by adding numbers to private bank accounts. When it taxes, it marks those same accounts down. When it borrows, it simply shifts funds from a demand deposit (called a reserve account) at the Fed to a savings account (called a securities account) at the Fed. The money government spends doesn't come from anywhere, and it doesn't cost anything to produce. The government therefore cannot run out of money, nor does it need to borrow from the likes of China to finance anything. To better understand this, think about when a football team kicks a field goal; the number on the scoreboard goes from 0 to 3. Does anyone wonder where the stadium got those 3 points, or demand that the stadium keep a reserve of points in a "lock box"?



Moreover, government deficits ADD to our savings - to the penny - as a fact of accounting, not theory or philosophy. This why my proposal for a payroll tax (FICA) holiday will directly increase incomes and savings and thus fix the economy from the bottom up. It will result in $20 billion per week flowing into the hands of people that will pay their bills and spend money. It will be an exact increase in income and savings for the rest of us as anyone in the Congressional Budget Office will confirm. For the Federal government, taxes don't serve to collect revenue but are more like a thermostat that controls the temperature of the economy. When it is too hot, raising taxes will cool it down. And in this an ice-cold economy -- a very large tax cut is needed to warm the economy back up to operating temperature.



While I fully support the Tea Party desire to cut taxes and recognize the need to cut wasteful and unnecessary spending, the tax cuts have to be much larger than spending cuts in order to ensure that less money is taken out of the economy, and not more as the Tea Party is currently demanding.









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  • NHTSA investigates 2011 Hyundai Sonata steering failures



  • Q&A: Are liquid calcium supplements better?






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Obama To Hold First <b>News</b> Conference Since May

WASHINGTON — President Barack Obama will hold a news conference at the White House on Sept. 10. The White House said Obama would use the news conference as an opportunity to discuss his administration's work on the economy, ...

Coast Guard: Platform on fire in Gulf; 13 workers rescued – This <b>...</b>

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Coast Guard responding to rig fire Gulf of Mexico; people reported <b>...</b>

Enlarge Matthew Hinton, The Times-Picayune Matthew Hinton / The Times-Picayune A helicopter lands with survivors of the rig explosion at the Terrebonne General Medical Center in Houma all survivors walked off the helicopters Thursday ...



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Wednesday, September 1, 2010

personal finance books


In this, Chapter 29, Devlin uses advanced technology to track down and confront the Iranian terrorist who’s directing the Bombay-style assault on Manhattan.


New York City


Arash Kohanloo had spent a great deal of time in New York, especially for an Iranian national.  Under some circumstances, his passport might have proven a bit of a bother, but the Tyler Administration had been determined to turn its back on the old ways.  The fact that he was attached, however tangentially, to his country’s U.N. mission facilitated matters greatly and, even if all else failed, he had multiple passports from multiple countries, including a Swiss passport that was tantamount to an international laissez-passer.  It was amazing what the combination of money and power and fear could win you.



The hotel, of course, was in lockdown.  The New York authorities were smart; they had gone to school on the Bombay massacre, and knew that the fancy hotels were natural targets for gunmen with grudges.  The elevators were all switched off, except for a couple of service elevators being guarded by private security.  You could order room service to eat, but you had to stay in the hotel, and preferably in your room, until the “incident” was over.


All of which was fine with Kohanloo.  In fact, that was just the way he wanted it.  Fewer people milling about suited him just fine, and as long as the cell phone service worked he could stay in touch with everyone with whom he needed to stay in touch, and then events would unfold as they unfolded.


At the first news of the attack he had informed his people back home.  He had also made certain that a specific sum of money had been wired to several bank accounts in Switzerland, the Cayman Islands, and one of the Channel Islands between Britain and France.  One could no longer rely on the discretion of the Swiss.  In the crackdown on international money transfers that followed in the wake of September 11, including the so-called Swift program that enabled the government to trace “terrorist” financing and thus disrupt the usual remittance channels and other mechanisms of Shari’a-compliant finance, the damned Americans had disrupted everything.  This had necessitated a change in the networks, which funneled money between the Muslim lands and their bankers in London and Brussels, and for a time the stream was partly damned.  But money is like water and soon enough it finds its way to its inevitable destination.


He didn’t have to come here, and it was not part of his arrangement with Skorzeny that he do so.  But the opportunity to strike a blow at the heart of a politically correct America, and to supervise the operation right under their noses and in the heart of their greatest city as an honored guest was too good to resist.  Skorzeny had warned him off taking personal charge, but Skorzeny was a bitter old man, not only weak but with too many weaknesses, and whatever game he was playing was known only to him.


Kohanloo looked at the array of cell phones on the table in front of him.  They were all local, off-the-shelf, no-contract communication devices — “plain vanilla,” as the Americans said.  To anyone tracking cell phone use — and even the Americans were not so stupid as to not be doing that — they would appear to be completely innocuous.  What a pleasure it was to use the enemy’s technology against him, to take the things his infidel culture had created and to turn even the simplest things into weapons.  Whether the Brothers had used box-cutters or knives on Sept. 11 was immaterial; the real weapons they wielded on that glorious day was the institutional cowardice of the Americans, especially the men, and turned that weakness into the powerful flying bombs that, Allah be praised, had taken down the Twin Towers and nearly the Pentagon itself.


For what sort of men were these, who would not fight back?  Who would not defend their women and children?  Who would go so willingly to their deaths, Christian lambs to the slaughter?  For all its sexuality, its braggadocio, its exaggerated cartoons of men and women, it was at root exhausted, played out, expired.  This was one thing that he and Skorzeny had agreed upon from the start: that what they were doing was not murder but a mercy killing, the merciful thing to do when a living organism was in its terminal stages.


The idea behind the operation was simplicity itself.  Either America would fight back or she wouldn’t.  The Holy Martyrs who had struck the Great Satan on Sept. 11 had succeeded beyond the Sheikh’s wildest dreams, but in a larger sense they had failed.  They had not precipitated the final war between the dar al-Islam and the dar al-Harb, nor had they set the Americans to each other’s throats in a civil war over their precious national freedoms.


But this was different.  This was a direct attack, man to man, on the streets of the Great Satan’s financial capital and its greatest city.  This was a challenge so direct that not even The New York Times could rationalize it away.  This was the event that would finally force the cowardly Americans to choose sides and then, once they had, it would be but the work of a lifetime or two to hunt the infidel dogs down — with the assistance of the collaborators, of course — and destroy them.  In the end, all would be well, and all would accept the Call.


But there was another, larger, and vastly more important reason behind the martyrdom operation.  The arrival of the Twelfth Imam, pbuh, could only be hastened by blood; he would not come, with Jesus at his side, until the Great Conflict was well and truly underway.  All was in readiness in the Holy City of Qom, where the path had been made straight and the centuries of the false Mahdi would soon come to an end.  What better way to encourage Mohammed ibn Hasan al-Mahdi al-Muntazar to finally reappear than to set the dar al-Harb aflame?



Arash Kohanloo glanced over at the television set, another typical product of western decadence.  Who had need of such a monstrosity, when a simple black and white set would do?  This was the problem with America: need had nothing to do with its desires, and the word “want” had transferred its meaning from the former to the latter.  He was from a far older culture, an infinitely greater culture whose art and poetry before the Conquest had been unsurpassed, and while some sacrifices had had to be made in order to accommodate Revelation, the memory of the Persian Empire was imprinted on every Iranian’s soul.  Even the name of the country — its new name, not the old one — signified its glorious antiquity and pride of place in the human community: Aryan.


He had lost a few of the warriors yesterday, but the rest had gone to ground as per instructions, while they waited.  This, too, was part of the plan.  Warriors were only martyrs who had not entered heaven yet, and his job was to supply the afterlife with fresh souls.


Still, losing warriors was one thing; having one of the enemy speak to you in Farsi was another.  He sounded like a Brother, from his accent, but his words had been puzzling and mysterious, beginning with his question in French about the number of the names of God and continuing on with various obscure theological questions about the suras and the life of the Prophet, concluding with a discussion of the Twelfth Imam.  And then he had lost contact with Brother Alex, whom he now must assume was dead.


But why would a Brother kill Alex?  It was possible that it had been a mercy killing, that Brother Alex had somehow been wounded and had been put out of his misery in order to enter paradise.  It was also possible that Brother Alex’s security had been compromised, and another of the Brothers had terminated him.  It was even remotely possible that Brother Alex had been taken out by one of the New York City Police Department operatives, although the chances that the man would be a native Persian, or speak Farsi like one, were nil.


There was a fourth, and more worrisome possibility, however: that Skorzeny had double-crossed him.


Kohanloo thought for a moment.  His eyes fell upon the mini-bar.  It was so tempting…  In the interests of taqiyya, it was permitted a devout Muslim to deceive the enemy  A beer, or perhaps two, would aid in the deception.


That Skorzeny would attempt to euchre him would not surprise him in the least.  The man’s reputation preceded him and if, in fact, that turned out to be the truth, it would be the last time he ever did that.  For while it was permissible for him, Arash Kohanloo, to deceived a westerner with false promises, such behavior in an infidel — worse, an atheist — would not acceptable, and would have to be punished with the utmost Koranic severity.


In fact, as he looked back on it, he realized that Skorzeny had been planning an elaborate deception all along, especially the bit about his not having to come to New York.  Clearly, that had been his intention all along: to force Kohanloo to accept the challenge to his manhood and specifically ignore the advice he was being given.  Skorzeny had wanted him to supervise the operation from ground zero, and not from the operational safety of, say, Canada, where the Brothers were numerous and the government almost as naive, trusting and unsuspecting as those of Scandinavia.  Islam had never laid historic claim to any of the lands of the North, not to mention the new world, but now, with so many Brothers acting religiously as an army of infiltration, taking advantage of the enemy’s trusting nature, his generous social-welfare programs (which were really just an inverted form of racism, since the Brothers were discouraged from gainful employment), there would soon be enough Believers to assert Islam’s historically necessary pride of place and conquer all the lands of the West, once and for all time.


He looked at the cell phone that linked him directly to Brother Alex.  Should he pick it up and dial again?  For one of the few times in his life, Arash Kohanloo hesitated.  This was a new experience for him.  having survived multiple changes of regime in Iran, from Mossadegh to the Shah to the Ayatollahs to whatever undoubtedly was coming next, he was used to acting boldly and decisively. In the Middle East, nothing was ever to be gained by caution, except the perpetuation of the same way of life that had obtained for hundreds of years.  For all his piety, Kohanloo was a man of the future, not of the past: he looked forward to the inevitable victory of the dar al-Islam and was doing his best to hasten it.


He picked up the phone, a basic Nokia.  then another thought occurred to him:


What if it was the NCRI?  The National Council of Resistance of Iran?



That put a whole different spin on things.  The NCRI, up to this moment, had been a joke.  But the open rebellion against the fixed Iranian elections of 2010 had only served to encourage the diaspora Iranians, at least half of whom, it seemed, lived in Beverly Hills or elsewhere in the Greater Los Angeles area.  In the old days, poor countries used to export their most miserable people to the United States, so that the those left behind might have a fighting chance at survival.  Iran had gone history one better: it had exported its best and its brightest and its richest, its doctors and its bankers and its lawyers.  The Revolution had driven away precisely those people a functioning modern country needed, and sent them screaming into the arms of the Great Satan himself, to luxuriate in the southern California climate and plot revenge; they were like the post-Castro Cubans, but with more money.


Up to this point, truth to tell, neither he nor any of the mullahs with whom he did such a profitable, if irreligious business, had given much of a thought to the NCRI.  To put the organization in historical context, it was like one of those movements of national liberations that popped up everywhere in the 19th and 20th centuries, groups of raggedy-assed anarchists who threw bombs and occasionally got lucky in their choice of targets, but aside from Princip had very little effect upon the course of human history.


Of course, Gavrilo Princip had had a very great effect upon the course of human history.  Incredibly lucky — imagine the Archduke Franz Ferdinand returning by the very same route on which he had dodged Princip’s first attempt on his life earlier that same day — but also incredibly determined, Princip had rearranged the map of Europe and, all unwittingly, doomed the West, although it had taken just about a century on the nose for that fact to become so abundantly clear.  The cream of the crop of the infidel had died in the trenches and at the Somme and at Verdun, and those who were not killed were removed from the gene pool three decades later when the same war broke out all over again.  As an example of national and cultural suicide, it was unequalled; no wonder their enfeebled descendents wanted nothing so passionately as to terminate themselves, their offspring, and their civilization.


Well, he was here to help that with that.  If the west had become a giant suicide cult, Islam was just the death cult it was longing to meet.  At last, a battle that had been waged since the seventh century was about to enter its final stages.


He still held the cell phone in his hand.  In every operation, once the shooting started, there was something that would go wrong, and almost immediately.  War plans were blueprints for buildings that would never get built; what emerged instead was some bastard combination of thought, luck and happenstance, and you lived with the result until you were strong enough to overturn it, or weak enough to be unable to defend it.


He pushed the redial button.


The phone rang.  Once, twice…


The security signal was four rings.  Anything after four rings mean the connection was compromised, and that the Brother was considered compromised, whether he was in fact dead or not.  A wounded Brother was of no use to him.  At four rings, the order would automatically go out to the others, identifying the fallen Brother’s last known location, with the orders that he or she should be terminated immediately.  Mercy was an unknown commodity, for only Allah could dispense mercy.


Three times…


Nothing.


Arash Kohanloo’s finger hovered over the Stop button.  As soon as the fourth ring ended, he would end the call and send the signal.


Four –


“Hello?”


A voice, in American English.  What he expected, but not at all what he expected.


“Who is this?” he found himself saying.


There was a long pause at the other end of the line — of course, there was no line, only the infidel’s technology, which Kohanloo and his countrymen, although unable to duplicate, were only too happy to employ against the enemy — and what sounded like a clicking noise.


“Go ahead please,” came a female voice.


Now it was a male voice that spoke:  “Target located.  Sherry-Netherland Hotel.”


“Stand by,” said the infidel woman.


Then silence.


Arash Kohanloo tried to control his breathing.  His heart rate was up, that he knew.  The doctors had told him to keep it down, keep it calm, keep it within the target range lest he find himself in trouble.  Damn that Skorzeny and his wily ways.  Here he was, in a situation he should never have been in, and his heart rate was rising along with his blood pressure.  He tried to stay calm and listen for whatever came next.  There was nothing to worry about.


The fools!  They had no idea he was not in the Sherry-Netherland.


“Shall I send a UAV?”


A few more crackles, then –


“Put the bird in the air and stand by.”


“The bird is in the air.”


Kohanloo couldn’t believe his ears.  Surely they would not deploy a UAV — Unmanned Aerial Vehicle, more commonly known as a drone — to blast away an entire floor of an expensive hotel in midtown Manhattan.  The Americans didn’t do things like that.  They were always more concerned about collateral damage than they were about the success of a mission; why, a single snail darter could not only bring down a dam in Alaska, it could probably stop a convoy of Abrams tanks as well.


“Stand by to fire on my orders.”


It was a bluff.  It had to be.  His eyes stole toward the window of his luxury suite; the curtains were drawn.  With the cell phone still pressed up hard against his ear, he moved slowly and quietly toward the window.


Now another voice came on the line.  He couldn’t swear to it — and a good Muslim never took an oath except in a religious context — but it sounded awfully like that of the man he had spoke to earlier.  In fluent Farsi, he said: “Go to the window.”


He hesitated a moment.


“Go to the window now.”


He went to the window.


“Now, open the curtains.”


How did they know he even had a window where he was?  Or that there were curtains?  Hotel.  They must have guessed hotel.


‘Open them.”  He didn’t like the man’s tone of voice, his peremptory way.  An unbeliever should never talk to one of the Faithful like that.  “Go ahead…”


He took a deep breath and opened the curtains, trying not to flinch –


“What do you see?”





—–


The panorama of New York City.  No hint of the sun yet, but on this summer morning, it would be up soon.  Just the gleam of the lights and, to the southwest, smoke reflected in the wasteful glare.


He slowly exhaled.  “I see exactly what I expect to see, and nothing more.”


“Do you see me?”


He was feeling a little braver now, more like his old self.  Of course not.  ”Now who are you?  What do you want?”


“Do you see me now?”


Was that the sun?  The sky had brightened a bit, or perhaps his eyes were simply getting used to the darkness.  He switched off the nearest floor lamp in order to see better.


“Do you know who I am?”


Still nothing.  It was all a bluff.  Somehow they had managed to trace the Brother’s cell signal.  A cheap trick, and one that any Palestinian kid with a Bulgarian computer could manage.  Nothing to –


“Smile, asshole.”  That was in English.


A blinding flash.  For a moment, Arash Kohanloo was sure he was dead, and that he would soon be entering paradise.  He cursed himself for a fool, that he had not had time to perform his ritual ablutions in preparation for martyrdom, and then remember he was not expecting to be martyred this time out.


He was still alive.  He could see.


The drone was right outside his window.  It had him on video, and was transmitting his picture somewhere.  Operational security was blown.  It was time to regroup.  He started to turn away –


“Stop.  Don’t move or you’re a dead man.”


Kohanloo froze.


“Look on the wall across from you.”


Kohanloo looked.


A video image danced across the plaster and the reproduction of a Monet cathedral.  It was the outline of a man, his facial features indistinct.  “Look upon me,” said the voice at the other end of the cell phone.  Funny; he had forgotten he was still holding it.


“Do you know who I am now?”


“No.  I do not.”


“I am Azra’il.  Malak al-Maut.  He Whom God Helps.”


The name sent shivers down Kohanloo’s spine.  Azra’il, the Arabic version of the Biblical Azrael was not to be found in the Holy Koran, but Malak al-Maut was.  Another of his names.  It meant the Angel of Death.



“And you,” the voice in his ear said, “are a fool.  You have been used, Arash Kohanloo — used by your own country and your own government, but worse — you have been used by Satan himself.”


Seething and scared, he knew that what Malak al-Maut was saying was correct.  He had never trusted Skorzeny, considered him little better than an infidel pig, no matter what religion he did or did not profess.  He must escape, flee this place, use his safe exit out of here, get back to Iran and kill the man who had done this to him.


Or the men.  He would not be surprised to learn that one of his enemies among the clerics had done this to them, suggested the operation just so that it would fail, in order to eliminate him, Arash Kohanloo, from any further position of influence within the regime.


“Perhaps you speak the truth,” he said in Farsi.


“You know I do,” came the voice.  “And now you are mine.”


I got home a little late tonight. Against my better judgment, I plopped down on the couch with my family to watch cable news. There was Majority Leader McConnell crowing about the Senate's passage of what's been dubbed the "Stop Taxing 'Ur Personal Income, Dude" Act. This extends the Bush tax cuts for dudes earning more than $250,000 per year while piling up the deficit over the next decade and beyond.



Some talking head from the Center on Budget and Policy Priorities explained to Rachel Maddow why the fine print was actually worse. Much of the true $1 trillion ten-year cost wasn't shown on the government's books, since the tax cuts were nominally slated to nominally expire in a few years. Despite such budget shenanigans, Republicans still needed to cut $300 billion to partially finance their favored tax cuts. So a Senate coalition of 53 Republicans and 8 moderate Democrats voted to reduce affordability credits designed to help people buy health insurance, while reducing funding for community health centers, nutrition and unemployment assistance, aid to states and localities.



Although Republicans lacked the votes to overtly reverse health reform, they have already chipped away at the fine print and at the infrastructure of health reform. HHS Secretary Sebelius was blocked from enforcing key provisions designed to deter large insurance rate increases. Funding was cut for the already-stressed temporary high-risk pools that serve uninsured men and women with pre-existing conditions.



Answering Democratic complaints that these policies made insurance even less affordable, Congress eliminated penalties associated with the "individual mandate," causing a significant (though at this writing imperfectly understood) challenge to measures that protect Americans with preexisting conditions buy coverage.



Although the American economy continues its anemic recovery, Republican leaders ruled out the possibility of additional stimulus, arguing: "We already spent $800 billion, and it didn't work," and that was that.



Speaker Boehner has been on TV every night trumpeting Holder-Gate. Joe Barton, Chairman of the House Energy and Commerce Committee, has announced lengthy hearing regarding allegations that Attorney General Eric Holder had failed to recuse himself from an investigation of the New Black Panther Party, whose former Secretary-Treasurer turned out to be one of Holders' distant relatives, Shamika Azziz-Epstein.* Ms. Azziz-Epstein has been called before the Committee for extended testimony. As one self-described Republican strategist put things: "We must know who Ms. Azziz-Epstein really is," slowly pronouncing AZZIZ-EPSTEIN with particular relish. "And What did Mr. Holder know, and when did he know it."



Yeah, it's been a lousy April, 2011.



That's a lousy scenario. It's pretty likely, too. Democrats inherited a bad economy and a series of daunting challenges at home and abroad. Now that we own these problems, voters are responding accordingly. We face an uphill battle in this year's midterms.



What makes this especially frustrating is the lack of intensity and focus among so many people who were so central to the 2008 victory. Political pros across the ideological spectrum expect low midterm turnout. They expect the electorate to be older, whiter, and more conservative than the group that was so fired up and ready to go only two years ago. Younger voters, Latinos, African-Americans, and many progressives are expected to stay home without Barack Obama's name on the ballot. Many of those who fought hard for health reform are expected to stay home, too. Some are complacent now that the bill passed. Others are jaded and alienated because valuable provisions, principally the public option, didn't make it to final passage.



Again, this is maddening. If Republicans win the House, the most likely outcome, they will capture the committee chairs required to harass the Obama administration with crazy or trivial investigations. They will capture critical leverage over the budget that will allow them to undermine valuable legislation passed over the next two years. They will have an elevated platform to identify every unpopular change in the American health care system with health care reform.



Just this week, I received an email describing a proposed bill that would gut health reform's public health and prevention investments to finance some small-business thing. In dollar terms, that's one of the tiniest items one can expect to see.



From a tactical perspective, you've got to hand it to Republicans. With some exceptions such as the stimulus and health reform, they have profited from their lockstep discipline and their efforts to run out the clock on every Democratic initiative. The need for 60 Senate votes, along with the outsized influence of sparsely populated states, provided the essential tool for Republican resurgence. On issue after issue, working to assemble a wafer-thin supermajority, Democrats were forced to cut unseemly public deals with the most parochial and conservative members of their coalition.



The process didn't look right. It also led Democrats to bicker with each other while Republicans escape much of the blame. Progressives blame the President for missteps. The administration blames progressive legislators for being naively over-optimistic. Both sides of the argument blame apathetic progressive voters for lending too little help. Core Democratic voters became bored and dispirited with the whole thing. Many uninformed voters who gave President Obama the benefit of their doubts to enact better policies and to change the culture of Washington, became even more alienated.



Then there are the many drops of poison that Sarah Palin and company inject to exploit Americans' cultural anxieties about various frightening others. In my adult years, the list of negative icons extends from Willy Horton to undocumented immigrants to Will and Grace and gay people who want to marry, and most recently to an Islamic community center near Ground Zero. As Michael Cohen observes, the Bush years provided a certain welcome and honorable break from this sort of thing. That break is over.



Most recently, Newt Gingrich compared building an Islamic community center to waving a Nazi sign near the Holocaust museum. Jews who find such comments appealing might remember Gingrich's cracks to Georgia voters that Democrats favored Woody Allen family values. It's hard to know what to gasp at first: the ugly regional and religious overtones or Gingrich's monumental chutzpah given his own disgraceful personal life. In the long-run, exclusionist rhetoric risks driving the GOP down to its most conservative base in a relative handful of states. Without a doubt, though, the GOP is deriving some immediate political benefits from anything that makes President Barack Hussein Obama identify publicly with things Islamic.



If you are still reading, you are probably a progressive activist or potential activist. I can't tell you what to do. I would suggest: Find some cause you are passionate about that is helping in the midterm fight. If you are a core Obama supporter, maybe that cause is Organizing for America. If you are in the netroots, maybe MoveOn is your cause. Maybe you support Speaker Pelosi after her leadership in enacting progressive legislation. Maybe you are drawn to nonpartisan advocacy groups concerned with the environment or with health care reform. Whatever the vehicle, get involved.



Your time, money, energy, and talent are really needed. Right now, many progressives are passive. Much of the energy, passion, and organization seem to be on the other side. President Obama's name is not on the ballot. We're all pretty jaded, for good reasons and bad, about the United States Congress. Right now, the prospects of a Republican majority are pretty abstract. Yet I promise you: Progressives will find new energy and enthusiasm at the sight of Republicans assuming House or Senate majorities. If this happens, six months from now we'll be livid with Republicans. We'll be wondering how to undo or minimize the damage.



I hope we won't have to ask ourselves why we were so lazy, complacent, or disorganized this Fall, and, by failing to do our best, made a tough midterm election avoidably worse.



*Yeah, I made up this name.









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Lujiazui Breakfast: <b>News</b> And Views About China&#39;s Stocks (Sept. 1 <b>...</b>

Investors and traders in China's main financial district in Shanghai are talking about the following before the start of trade today: The Federal Reserve approved China Investment Corp.'s investment in a 10% stake in Morgan Stanley of ...

Michelle Malkin » Great <b>News</b>! More Economic Stimulus on the Way

Great News! More Economic Stimulus on the Way. ... Breaking News: Obamas Having a Great Time on Vacation. August 25, 2010 03:24 PM by Doug Powers. 38 Comments | 1 Trackback � Tennessee Football Coach Says He Was Fired For Recording ...

Media Matters Ad On Fox <b>News</b> | I Million Donation To GOP | <b>News</b> <b>...</b>

Politico is reporting that Fox News has agreed to run an advertisement created by media watchdog group Media Matters that is critical of News Corp. donating $1 Million to the Republican Governor's Association. Last week Mediaite had ...






























Wednesday, August 25, 2010

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  • Get personal investment advice.
  • Helps to optimize your investment portfolio.
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Wednesday&#39;s <b>news</b>: A night on the town with the Preds - do it for <b>...</b>

we've got a great way for Preds fans to save some money while helping local schools, reports from the World Hockey Summit, and what is surely the worst selection in Puck Daddy's "Mt. Puckmore" series so far.

CBS Evening <b>News</b> Ratings Tie 20-Year Low - NYTimes.com

The "CBS Evening News" recorded its lowest total viewer rating in nearly 20 years last week.

National Journal Hires Major Garrett From Fox <b>News</b> - NYTimes.com

Major Garrett, the chief White House correspondent for Fox News, is quitting his job at the cable news channel after eight years. He is joining National Journal as a Congressional correspondent.
































Friday, August 6, 2010

personal finances help



































EMERSON/GARFIELD – Community Frameworks will continue a series of classes designed to help potential homebuyers better understand credit, personal finances and mortgage lending on Tuesday at its office located at 315 W. Mission Ave.


“Financial Fitness” is a two-session, certificated course and will be from 6 to 8 p.m. The second session will be held next Thursday, 6 to 8 p.m.


Self-help homeownership informational meetings will be July 19 at 6 p.m. On July 27 and July 29, from 6 to 7:30 p.m., first-time homebuyers can take a class on mortgage basics.


The sessions are free and open to the public. Advance registration is required.


To register or for more information call (509) 484-6733, ext. 117, or visit www.community frameworks.org.


Speaker to discuss caregiving


LOGAN – Marty Richards, an author, teacher and long-term care consultant, will present a workshop for caregivers, “Caresharing: Strengthening the Bonds to those Coping with Dementia,” on July 21, from 9 a.m. to 3 p.m. in the Barbieri Moot Court Room at Gonzaga University School of Law, 721 N. Cincinnati St.


Cost for the workshop is $35 for professionals and $15 for all others. A box lunch will be provided during the noon hour.


To register and for more information call (509) 473-3390 or visit www.alz.org/inland northwest. Registration deadline is Wednesday.


The program is presented by the Alzheimer’s Association Inland Northwest Chapter.


Fire Station 99


marks anniversary


SPOKANE COUNTY – Spokane County Fire District 9 will have an open house to celebrate the one-year anniversary of Fire Station 99, 9105 N. Whitehouse St., on Saturday from 1 to 4 p.m.


Attendees will have an opportunity to tour the station, meet the firefighters of Station 99 and enjoy ice cream. Kids can also get their picture taken in a firetruck and say hello to Smokey the Bear.











Week after week, obsessive Mad Men fans call up retired advertising veterans, fashion historians, and businessmen to suss out what it was really like back in the sixites. But when Don Draper, the son of a prostitute, shockingly ended up getting slapped by an escort wearing a red bullet bra in the season-four premiere, did anyone think to call up a dominatrix and get her take on the scene's verisimilitude? Why yes, in fact: Vulture did. The scene raised so many questions: Does Don need a domme? And do dominatrices get to abuse guys as luscious and successful as Don Draper? On the eve of the prostitute's return in episode three, airing this Sunday, we asked professional dominatrix Mistress Pixie to help us understand some of what Don Draper may be in for. Now sit the fuck down and pay attention, slaves!!!



The slapping sex scene takes place on Thanksgiving day. Would you ever work on Thanksgiving?

Fuck yeah, could care less. Money is money.



This woman on the show, who is not a domme but an escort, mentions her family briefly. Do you ever offer any details of your personal life?

Not too much info in the beginning, but yes, after a few sessions, they like to talk; they become like friends, sort of. And they talk about themselves; it's like therapy.



This woman seems to be offering a little S&M along with sex. What do you think about that and do most dommes ever mix sex with domme work?

No, never. You never cross that line. A real domme never has sex with a client.



What if he's as adorable as Don Draper?

You never have sex, ever; you never cross that line. At least I don't — most don't. But it does annoy us when escorts also advertise themselves as dommes, because real dommes don't have sex. They should advertise themselves as escorts with fetish services. Real domme clients don't get off on sex, they get off on being dominated and humiliated: You give them nothing.



So having a client like Don doesn't turn you on?

No, but a gorgeous client is just an added bonus, a fun toy, more fun to torture.



Are your clients successful men like Don Draper?

Definitely. 90 percent of clients are powerful men: They are powerful at work, in their families, socially. They need a balance; S&M is a need. They need to feel weak and let go.



What kind of women are dommes?

Lots of very educated women, lawyers, woman with PhDs. We love what we do. We love to study psychology so we can fuck with their heads even more.



How's business been with the recession and all? Lots of these high-powered guys have lost their jobs. And Don's not doing great on the show: Sterling Cooper Draper Pryce is struggling and his finances are taking a hit because of the divorce.

Yeah, we got hit pretty hard two years ago when the recession started. You know, hiring a domme is a luxury. But business is back. You know, when times are so stressful, I guess the luxury becomes a necessity.





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12th Annual Charity Golf Tournament benefitting the Eureka Camp Society-Apex Secondary School-presented by SNC LAVALIN Pacific Liaicon and Associates Benefitting the Eureka Camp Society-Apex Secondary School photos by Ron Sombilon Gallery (377) by Ron Sombilon Gallery




































EMERSON/GARFIELD – Community Frameworks will continue a series of classes designed to help potential homebuyers better understand credit, personal finances and mortgage lending on Tuesday at its office located at 315 W. Mission Ave.


“Financial Fitness” is a two-session, certificated course and will be from 6 to 8 p.m. The second session will be held next Thursday, 6 to 8 p.m.


Self-help homeownership informational meetings will be July 19 at 6 p.m. On July 27 and July 29, from 6 to 7:30 p.m., first-time homebuyers can take a class on mortgage basics.


The sessions are free and open to the public. Advance registration is required.


To register or for more information call (509) 484-6733, ext. 117, or visit www.community frameworks.org.


Speaker to discuss caregiving


LOGAN – Marty Richards, an author, teacher and long-term care consultant, will present a workshop for caregivers, “Caresharing: Strengthening the Bonds to those Coping with Dementia,” on July 21, from 9 a.m. to 3 p.m. in the Barbieri Moot Court Room at Gonzaga University School of Law, 721 N. Cincinnati St.


Cost for the workshop is $35 for professionals and $15 for all others. A box lunch will be provided during the noon hour.


To register and for more information call (509) 473-3390 or visit www.alz.org/inland northwest. Registration deadline is Wednesday.


The program is presented by the Alzheimer’s Association Inland Northwest Chapter.


Fire Station 99


marks anniversary


SPOKANE COUNTY – Spokane County Fire District 9 will have an open house to celebrate the one-year anniversary of Fire Station 99, 9105 N. Whitehouse St., on Saturday from 1 to 4 p.m.


Attendees will have an opportunity to tour the station, meet the firefighters of Station 99 and enjoy ice cream. Kids can also get their picture taken in a firetruck and say hello to Smokey the Bear.











Week after week, obsessive Mad Men fans call up retired advertising veterans, fashion historians, and businessmen to suss out what it was really like back in the sixites. But when Don Draper, the son of a prostitute, shockingly ended up getting slapped by an escort wearing a red bullet bra in the season-four premiere, did anyone think to call up a dominatrix and get her take on the scene's verisimilitude? Why yes, in fact: Vulture did. The scene raised so many questions: Does Don need a domme? And do dominatrices get to abuse guys as luscious and successful as Don Draper? On the eve of the prostitute's return in episode three, airing this Sunday, we asked professional dominatrix Mistress Pixie to help us understand some of what Don Draper may be in for. Now sit the fuck down and pay attention, slaves!!!



The slapping sex scene takes place on Thanksgiving day. Would you ever work on Thanksgiving?

Fuck yeah, could care less. Money is money.



This woman on the show, who is not a domme but an escort, mentions her family briefly. Do you ever offer any details of your personal life?

Not too much info in the beginning, but yes, after a few sessions, they like to talk; they become like friends, sort of. And they talk about themselves; it's like therapy.



This woman seems to be offering a little S&M along with sex. What do you think about that and do most dommes ever mix sex with domme work?

No, never. You never cross that line. A real domme never has sex with a client.



What if he's as adorable as Don Draper?

You never have sex, ever; you never cross that line. At least I don't — most don't. But it does annoy us when escorts also advertise themselves as dommes, because real dommes don't have sex. They should advertise themselves as escorts with fetish services. Real domme clients don't get off on sex, they get off on being dominated and humiliated: You give them nothing.



So having a client like Don doesn't turn you on?

No, but a gorgeous client is just an added bonus, a fun toy, more fun to torture.



Are your clients successful men like Don Draper?

Definitely. 90 percent of clients are powerful men: They are powerful at work, in their families, socially. They need a balance; S&M is a need. They need to feel weak and let go.



What kind of women are dommes?

Lots of very educated women, lawyers, woman with PhDs. We love what we do. We love to study psychology so we can fuck with their heads even more.



How's business been with the recession and all? Lots of these high-powered guys have lost their jobs. And Don's not doing great on the show: Sterling Cooper Draper Pryce is struggling and his finances are taking a hit because of the divorce.

Yeah, we got hit pretty hard two years ago when the recession started. You know, hiring a domme is a luxury. But business is back. You know, when times are so stressful, I guess the luxury becomes a necessity.





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NFL Training Camp <b>News</b>: MRI Shows No Damage To Albert <b>...</b>

NFL Training Camp News: MRI Shows No Damage To Albert Haynesworth's Knee.

Exclusive: Fujifilm&#39;s phase detection system explained: Digital <b>...</b>

Exclusive: Fujifilm's phase detection system explained: With the announcement of the Fujifilm F300 EXR and Z800 EXR coming on a day that also saw four other cameras being launched, it would be easy to overlook their most radical feature ...

What We&#39;re Reading: Motorcycle <b>News</b> - Wheels Blog - NYTimes.com

Valentino Rossi will join Ducati -- for real. And other motorcycle news we've been reading on the Web.



12th Annual Charity Golf Tournament benefitting the Eureka Camp Society-Apex Secondary School-presented by SNC LAVALIN Pacific Liaicon and Associates Benefitting the Eureka Camp Society-Apex Secondary School photos by Ron Sombilon Gallery (377) by Ron Sombilon Gallery


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