Thursday, December 30, 2010

personal finance


Intuit-owned Mint.com is heading to schools today with the launch of a free, online program designed to educate middle-school students about personal finance and financial management.


Mint has partnered with educational publisher Scholastic to develop materials that parents and teachers can use to teach children the ins and outs of personal finance management. The materials includes lesson plans as well as an interactive game, to teach children money management, budgeting and goals.


For example, the program teaches children the concept of compound interest with real-life math problems, and encourages children to set goals and budgets with their own current work opportunities (i.e. babysitting).


Mint says the curriculum will be expanded to 30,000 classrooms nationwide early next year. Considering the state of the economy and credit, teaching children financial literacy and sounds personal finance practices at an early edge is an incredibly important initiative. In terms of branding, this is a big win for Mint, which can start building awareness of its tools among students at an early age.



I never thought that at age 45, I'd celebrate my first Christmas. But nine months after meeting my current partner, I'm all set to do just that.



Being Jewish, I never celebrated the holiday. When I was little, and on behalf of younger relatives today, there were Chanukah presents. But those are small and only given by, or to, close family members. Sure I counted many Christians among my friends and exchanged a few gifts over the years, but one present here and there doesn't require much strategy.There are non-Christians who celebrate the holiday with a tree and presents, just for fun, and many who've pooh poohed the idea that Christmas is just for Christians. They say that putting up a tree and opening presents is for everyone, regardless of religion. I beg to differ. A holiday should mean something. Encouraging an empty observance feels just that to me: empty and vaguely insulting to those for whom Christmas has meaning.



I won't get into how it feels to be on the sidelines of the holiday season (although it's a lot worse than getting picked last in gym class), and I won't get into how having a birthday in December adds to the misery of not participating in the dominant event (but the former is always overshadowed by the latter, something you don't even celebrate). WalletPop is a personal finance site after all.



All of the above is emotional, not financial. But as I've recently discovered, the two are inseparable when it comes to Christmas.



This year, I am seriously involved with a man who celebrates Christmas. He has a large family and three children, all of whom eagerly plan for the holiday. There are parties, dinners, wish lists, letters to Santa and church services, and I am lucky to be included in all of it. Better yet, for the first time in my life, it doesn't feel false.



But it's also humbling and I've done pretty much everything wrong when it comes to shopping. It's a humiliating thing for a retail reporter and contributor to a personal finance site to confess, but there's an end of the year urge to purge, or er... splurge. Let my mistakes be a lesson, to me and anyone else in a similar position.



1. I Didn't Budget. Yes, I write for a personal finance site, and sure, I'm considered financially savvy, but they say doctors make the worst patients. The same apparently applies to finance writers.



I thought, "There's just these few people. How much trouble could I get in?" Plenty as it turns out, as I struggle not to give in to every urge. "Look, these fleecy pajama pants are perfect for ______," even though I'd already gotten her two presents and would have to buy one more for her older sister in the interest of fairness. Had I made a budget, this would have gone down quite differently.



2. I Didn't Make a List, for them or me. I made a mental list, but not having something solid for reference has me waffling at the store, and this indecision is leading to over-buying (see mistake number 1) and not writing down things that I want, which means I'll likely ponder returning a gift and risk hurting someone's feelings or hanging on to dud gifts. I'm used to buying myself the things I want or need; it would have been nice to receive them as gifts instead.


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Good news: School officials destroy girl's college plans over knife mix-up.

Larry Kramer: This Is Why Fox <b>News</b> Continues To Roll

People are getting lazy about forming their own opinions.

Skype, FCC, IBM and Tech <b>News</b> Before New Year&#39;s

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Tuesday, December 28, 2010

Who's Making Money


Rep. Rohrabacher Suggests White People Will ‘Lose Our Freedom’ If The DREAM Act Passes


In their efforts to bring down the DREAM Act, which would give children of undocumented immigrants who complete college or volunteer for the military a path to citizenship, conservatives have been smearing the bill as “backdoor amnesty” for undocumented immigrants and claiming it creates a loophole for terrorists. Unfortunately, many of their attacks have also taken on racial undertones. Yesterday, Fox News host Glenn Beck told a caller on his radio show that the bill would disenfranchise white people, saying, “if you’re white or you’re an American citizen or a white American citizen, you’re pretty much toast.” Beck suggested his caller steal a Mexican ID card in to receive the supposedly preferential treatment minorities will receive under DREAM.


While clearly bigoted, Beck’s comments appeared to have the joking tone of a self-described “rodeo clown.” But Rep. Dana Rohrabacher (R-CA) was not joking when he took to the House floor Wednesday to warn that voting for “the Affirmative Action Amnesty Act,” as he dubbed DREAM, will “relegate the position of non-minority American citizens to behind those who are now in this country illegally.”


Appearing on Radio America with Greg Corombus yesterday, Rohrabacher expanded on the dangers to white people of DREAM, explaining that the “real zinger” is that it puts minorities “ahead of every American child who’s not a minority.” “hey can get into college before our kids,” Rohrabacher said on behalf of white people everywhere, warning ominously at the end of the interview that “if Americans aren’t alerted to this, we’re going to lose our freedom”:


ROHRABACHER: And one thing that people don’t talk, and this is the real zinger. … So they go to college, they finish, they get their legal status. Well, if that person happens to be a minority, which many, as we know, illegal aliens are Hispanic in background and other minorities, they then are immediately eligible to all the preferences we have written into our laws.


So we’re not only putting them in the line, so to speak, but we’re putting them ahead of every American child who’s not a minority. You put them at the front of the line for government education program, for jobs, for all the other preferences that we’ve written into our law. This is outrageous! Not only are we paying them money, that should be going to our kids education, but we’re making it so they can get accepted to college before our kids can get into.


Please alert the people, if Americans aren’t alerted to this, we’re going to lose our freedom and we know it’s in jeopardy right now.


Listen here:



Of course, the DREAM Act is not amnesty, nor is it affirmative action, and it is certainly not a measure to oppress white people. The bill extends conditional legal status for five years to young people who are upstanding citizens and in this country illegally by not fault of their own. It will also help enforce immigration laws, reduce the deficit, and strengthen the military, but that doesn’t seem to matter to Rohrabacher or Beck.




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/> [style="text-decoration: underline;">Ed. note: This post is authored by Evan Jowers and Robert Kinney of Kinney Recruiting, sponsor of the Asia Chronicles. Kinney has made more placements of U.S. associates and partners in Asia than any other firm in the past four years. You can reach them by email: asia at kinneyrecruiting dot com.]

Evan here. If you are a transactional associate at a top US firm and your name happens to be of Asian origin, especially of Chinese background, then you are probably receiving multiple cold calls per day from recruiters. After all the Asia lateral biglaw markets, especially HK / China are red hot now and it is of course very easy to compile a list of top US firm associates with Asian names.

Keep in mind that there can be very negative consequences in giving control of such an important career move and job search to someone calling you out of the blue (no matter how many times they may call). We often get calls from very well qualified US associates with sad tales of at worst their resume being plastered unauthorized all over China or other Asia markets; or at best only authorized submissions (thankfully) but realizing their recruiter has done little more than emailing their resume to begin with and is unresponsive for weeks.

It is important to note that your resume is a very valuable commodity to recruiters calling you. When you are placed at a law firm, the recruiter who submitted your resume is typically paid (by the law firm) 25 to 30% of your starting base salary. Thus, the recruiters cold-calling you have a big incentive to get a hold of your resume and email it to law firms, with or without your authorization (believe it or not, some biglaw recruiters in Asia are known to be even less ethical than the worst of the lot in the US). Once your resume has been submitted to a law firm, the recruiter who did so “owns” your candidacy there for at least six months. Further, when your resume has been submitted without your authorization, it will take an affidavit from you to the target firm explaining such for the submission to be reversed (and basically that is you explaining to the firm that you did not know you even applied there, which can of course cool off any motivation of that firm to continue to want to interview you, and the unethical recruiter is counting on you to thus not take that route).

We try to think that a lot of recruiters do not take such unethical steps, but please note that even the most well-intentioned recruiters trying to break into the Asia markets are more often than not woefully inexperienced with such lateral placements (and even most of those with some experience have never been more than resume pushers).id="more-49277">

We recommend that you make sure you are represented by a recruiter who is willing and able (has the experience necessary in your target market) to act as your agent, instead of just someone who is only able and / or willing to email your resume to firms. You should be pro-actively looking for an agent (we recommend interviewing prospective agent / recruiters months before you start your search when possible), not simply handing your search over to a headhunter that happens to be calling with the earth shattering news that they know, for example, of firms in China that have openings for Mandarin fluent US associates in cap markets and M&A (almost every top US and UK firm in HK / China has such openings), or that the sky is blue.

The question you should be asking is not whether there are openings and whether you would be very competitive candidate for such spots (yes and yes), but whether the person calling you is best suited for representing you.

At the very least, make sure the recruiter cold-calling you can:

a) Provide at minimum 10 references of US associates they have actually placed in your target market in Asia (I could easily provide 50, as 10 is a very small and unimpressive number, but should be a minimum guideline to figure out if the recruiter actually has a history of successfully placing US associates in your target market); and

b) Is able to discuss in great detail each roles you may consider targeting, including details regarding the relevant partners involved (does the recruiter even have a business relationship with the particular partners making the hire), including their personality, practice area, and plans for growth. I usually refer to this as the “3 hour rule”, in that if you get the impression that the recruiter could not talk non-stop about your target market for about 3 hours, then move on to the next recruiter (does not mean you actually have to listen to them for 3 hours).

It can be a lengthy process to find the right fit lateral spot in Asia, especially if you are moving from the US. It is much more complex than simply moving down the street to another big office. Instead you are moving to a much smaller office, smaller group, a place where you will have a lot more responsibilities with clients and where your personality fit with your primary supervising partner will be key (not only for progression at your new firm, but also for the foundation of your career in your target Asian market).

It is also a very exciting move and you deserve to be working with an agent / recruiter (rather than headhunter / recruiter) who is excited about helping you and the firms / partners he is recruiting for in Asia; who is excited to be invested in your career for the long-term; not focused on a recruiting fee (is willing to give advice not corresponding with recruiter being paid if that is the best advice); and who is capable (actual long-term experience with the market and similar lateral moves) of giving you the best advice and guidance.

Our team at Kinney can of course do a great job for you on an Asia job search. We know a handful of recruiters outside our recruiting firm as well whom we can recommend and are happy to do so. If unfortunately you have gone down the road already of being represented by a headhunter (instead of an agent) and you need advice, feel free to get in touch with us as well. While we can’t represent you at your target firms in such situations (remember, your headhunter already “owns” your candidacy at any firm contacted for at least 6 months), we are happy to give you advice and guidance regarding job search strategy and which offer to take (we have helped numerous US associates in such situations, including helping them negotiate their comp packages).


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How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...

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How Online <b>News</b> Evolved in 2010

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How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...

Chupacabra Watch: Kentucky Livestock Killer Could Be Hairless Coyote

Weird News From Our Partners. Fark � Fark's 2010 Headline of the Year contest: Politics tab headlines � Fark's 2010 Headline of the Year contest: Showbiz tab headlines ...

Brad Friedman and Desi Doyen: Green <b>News</b> Report: December 28, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): The reactor on your roof: Caltech breakthrough uses solar power to generate liquid fuel; Fmr. Shell president predicts $5-a-gallon gas by 2012; EPA develops neurotoxicants list; Obama admin takes ...


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How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...

Chupacabra Watch: Kentucky Livestock Killer Could Be Hairless Coyote

Weird News From Our Partners. Fark � Fark's 2010 Headline of the Year contest: Politics tab headlines � Fark's 2010 Headline of the Year contest: Showbiz tab headlines ...

Brad Friedman and Desi Doyen: Green <b>News</b> Report: December 28, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): The reactor on your roof: Caltech breakthrough uses solar power to generate liquid fuel; Fmr. Shell president predicts $5-a-gallon gas by 2012; EPA develops neurotoxicants list; Obama admin takes ...


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How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...

Chupacabra Watch: Kentucky Livestock Killer Could Be Hairless Coyote

Weird News From Our Partners. Fark � Fark's 2010 Headline of the Year contest: Politics tab headlines � Fark's 2010 Headline of the Year contest: Showbiz tab headlines ...

Brad Friedman and Desi Doyen: Green <b>News</b> Report: December 28, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): The reactor on your roof: Caltech breakthrough uses solar power to generate liquid fuel; Fmr. Shell president predicts $5-a-gallon gas by 2012; EPA develops neurotoxicants list; Obama admin takes ...


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How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...

Chupacabra Watch: Kentucky Livestock Killer Could Be Hairless Coyote

Weird News From Our Partners. Fark � Fark's 2010 Headline of the Year contest: Politics tab headlines � Fark's 2010 Headline of the Year contest: Showbiz tab headlines ...

Brad Friedman and Desi Doyen: Green <b>News</b> Report: December 28, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): The reactor on your roof: Caltech breakthrough uses solar power to generate liquid fuel; Fmr. Shell president predicts $5-a-gallon gas by 2012; EPA develops neurotoxicants list; Obama admin takes ...


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How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...

Chupacabra Watch: Kentucky Livestock Killer Could Be Hairless Coyote

Weird News From Our Partners. Fark � Fark's 2010 Headline of the Year contest: Politics tab headlines � Fark's 2010 Headline of the Year contest: Showbiz tab headlines ...

Brad Friedman and Desi Doyen: Green <b>News</b> Report: December 28, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): The reactor on your roof: Caltech breakthrough uses solar power to generate liquid fuel; Fmr. Shell president predicts $5-a-gallon gas by 2012; EPA develops neurotoxicants list; Obama admin takes ...


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How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...

Chupacabra Watch: Kentucky Livestock Killer Could Be Hairless Coyote

Weird News From Our Partners. Fark � Fark's 2010 Headline of the Year contest: Politics tab headlines � Fark's 2010 Headline of the Year contest: Showbiz tab headlines ...

Brad Friedman and Desi Doyen: Green <b>News</b> Report: December 28, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): The reactor on your roof: Caltech breakthrough uses solar power to generate liquid fuel; Fmr. Shell president predicts $5-a-gallon gas by 2012; EPA develops neurotoxicants list; Obama admin takes ...


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How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...

Chupacabra Watch: Kentucky Livestock Killer Could Be Hairless Coyote

Weird News From Our Partners. Fark � Fark's 2010 Headline of the Year contest: Politics tab headlines � Fark's 2010 Headline of the Year contest: Showbiz tab headlines ...

Brad Friedman and Desi Doyen: Green <b>News</b> Report: December 28, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): The reactor on your roof: Caltech breakthrough uses solar power to generate liquid fuel; Fmr. Shell president predicts $5-a-gallon gas by 2012; EPA develops neurotoxicants list; Obama admin takes ...


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How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...

Chupacabra Watch: Kentucky Livestock Killer Could Be Hairless Coyote

Weird News From Our Partners. Fark � Fark's 2010 Headline of the Year contest: Politics tab headlines � Fark's 2010 Headline of the Year contest: Showbiz tab headlines ...

Brad Friedman and Desi Doyen: Green <b>News</b> Report: December 28, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): The reactor on your roof: Caltech breakthrough uses solar power to generate liquid fuel; Fmr. Shell president predicts $5-a-gallon gas by 2012; EPA develops neurotoxicants list; Obama admin takes ...


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How Online <b>News</b> Evolved in 2010

News is changing – quickly. The way it's researched, the way it's reported and the way we access it are all evolving rapidly. 2010 could well be remembered as a key year in the history of online news. Here are the key reasons why. ...

Chupacabra Watch: Kentucky Livestock Killer Could Be Hairless Coyote

Weird News From Our Partners. Fark � Fark's 2010 Headline of the Year contest: Politics tab headlines � Fark's 2010 Headline of the Year contest: Showbiz tab headlines ...

Brad Friedman and Desi Doyen: Green <b>News</b> Report: December 28, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): The reactor on your roof: Caltech breakthrough uses solar power to generate liquid fuel; Fmr. Shell president predicts $5-a-gallon gas by 2012; EPA develops neurotoxicants list; Obama admin takes ...


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Thursday, December 23, 2010

personal finance and budgeting


Intuit-owned Mint.com is heading to schools today with the launch of a free, online program designed to educate middle-school students about personal finance and financial management.


Mint has partnered with educational publisher Scholastic to develop materials that parents and teachers can use to teach children the ins and outs of personal finance management. The materials includes lesson plans as well as an interactive game, to teach children money management, budgeting and goals.


For example, the program teaches children the concept of compound interest with real-life math problems, and encourages children to set goals and budgets with their own current work opportunities (i.e. babysitting).


Mint says the curriculum will be expanded to 30,000 classrooms nationwide early next year. Considering the state of the economy and credit, teaching children financial literacy and sounds personal finance practices at an early edge is an incredibly important initiative. In terms of branding, this is a big win for Mint, which can start building awareness of its tools among students at an early age.


Do you find that when you try to use a budgeting system, the more complicated it is, the more overwhelmed you become; and eventually you stop using it? If that’s the case, Sprouty brings a simplified budgeting system that makes it easy to create a monthly budget, and more importantly, stick to it.

Sometimes keeping it simple is a lot more useful and that’s exactly what Sprouty aims to do. Unlike Mint and other popular money management systems, your personal bank account information does not even come into play; making it a secure option that can be used no matter where in the world you live.

id="more-59875">/> After signing up for a free account, Sprouty will prompt you to enter your monthly income, and will attempt to create a budget for you, based on minimum recommended amounts for each budget item.

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Of course, the budget will most probably not reflect your own personal spending habits, and you can modify it to suit your lifestyle.

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You can add additional budget items by clicking on the ‘Create a Budget’ button, determine the amount allocated to that category, and add tags. Using the same method, you can add additional sources of income, which is particularly useful for a family in which there are several breadwinners.

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Existing budget items can also be edited or deleted by clicking on any given item, adding or removing tags of your choice, and adjusting the amount. This will be one of the very first steps you take when using Sprouty, in order to adjust the budget to suit your personal needs.

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Once you have your budget in place, you can begin to add the actual transactions as they occur. New transactions are accompanied by the date, tags or description, and the amount.

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As you add tags, Sprouty will also suggest tags that are commonly used.

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If you add a transaction by mistake, it can easily be edited or deleted by clicking on any part of the transaction’s information.

Sprouty’s best feature is undoubtedly the overview it provides of your spending. Once you have your budget in place and have added your transactions, you can see a monthly overview of your budget, and see exactly where your money is being spent, and what remains.

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This is especially useful because you are able to visualise the areas in which you spend the most, and this could make for an easier way to understand where you need to cutback on your spending.

Sprouty is as no-frills a budget system as they come, but sometimes that is all that you need. It is extremely user-friendly, with barely any learning curve at all.

The website can be accessed from mobile browsers, making it possible to add transactions on the go. That said, it is not optimised for a mobile browser, and that would be one of the first welcome changes to the site. Adding transactions while you’re out and about is an integral part of the success of any budget system, so that payments don’t fall between the cracks. Whether it is a mobile website, adding transactions by email, or any other method, it will definitely improve Sprouty’s user friendly service.

How do you keep track of your spending habits? Let us know in the comments.


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Assange: Republicans, Democrats, Fox <b>News</b> conducting terrorism <b>...</b>

Assange counters 'high-tech terrorist' label by accusing his critics of terrorism.

Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>

News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.

Facebook Makes <b>News</b> Feed Filters Available To All

It looks like Facebook has made its revived news feed filters available to all users, after initially made them available selectively last week.


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Assange: Republicans, Democrats, Fox <b>News</b> conducting terrorism <b>...</b>

Assange counters 'high-tech terrorist' label by accusing his critics of terrorism.

Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>

News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.

Facebook Makes <b>News</b> Feed Filters Available To All

It looks like Facebook has made its revived news feed filters available to all users, after initially made them available selectively last week.


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Assange: Republicans, Democrats, Fox <b>News</b> conducting terrorism <b>...</b>

Assange counters 'high-tech terrorist' label by accusing his critics of terrorism.

Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>

News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.

Facebook Makes <b>News</b> Feed Filters Available To All

It looks like Facebook has made its revived news feed filters available to all users, after initially made them available selectively last week.


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Assange: Republicans, Democrats, Fox <b>News</b> conducting terrorism <b>...</b>

Assange counters 'high-tech terrorist' label by accusing his critics of terrorism.

Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>

News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.

Facebook Makes <b>News</b> Feed Filters Available To All

It looks like Facebook has made its revived news feed filters available to all users, after initially made them available selectively last week.


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Assange: Republicans, Democrats, Fox <b>News</b> conducting terrorism <b>...</b>

Assange counters 'high-tech terrorist' label by accusing his critics of terrorism.

Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>

News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.

Facebook Makes <b>News</b> Feed Filters Available To All

It looks like Facebook has made its revived news feed filters available to all users, after initially made them available selectively last week.


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Assange: Republicans, Democrats, Fox <b>News</b> conducting terrorism <b>...</b>

Assange counters 'high-tech terrorist' label by accusing his critics of terrorism.

Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>

News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.

Facebook Makes <b>News</b> Feed Filters Available To All

It looks like Facebook has made its revived news feed filters available to all users, after initially made them available selectively last week.


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Assange: Republicans, Democrats, Fox <b>News</b> conducting terrorism <b>...</b>

Assange counters 'high-tech terrorist' label by accusing his critics of terrorism.

Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>

News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.

Facebook Makes <b>News</b> Feed Filters Available To All

It looks like Facebook has made its revived news feed filters available to all users, after initially made them available selectively last week.


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Assange: Republicans, Democrats, Fox <b>News</b> conducting terrorism <b>...</b>

Assange counters 'high-tech terrorist' label by accusing his critics of terrorism.

Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>

News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.

Facebook Makes <b>News</b> Feed Filters Available To All

It looks like Facebook has made its revived news feed filters available to all users, after initially made them available selectively last week.


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Assange: Republicans, Democrats, Fox <b>News</b> conducting terrorism <b>...</b>

Assange counters 'high-tech terrorist' label by accusing his critics of terrorism.

Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>

News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.

Facebook Makes <b>News</b> Feed Filters Available To All

It looks like Facebook has made its revived news feed filters available to all users, after initially made them available selectively last week.


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Assange: Republicans, Democrats, Fox <b>News</b> conducting terrorism <b>...</b>

Assange counters 'high-tech terrorist' label by accusing his critics of terrorism.

Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>

News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.

Facebook Makes <b>News</b> Feed Filters Available To All

It looks like Facebook has made its revived news feed filters available to all users, after initially made them available selectively last week.


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Assange: Republicans, Democrats, Fox <b>News</b> conducting terrorism <b>...</b>

Assange counters 'high-tech terrorist' label by accusing his critics of terrorism.

Digital <b>News</b> Platforms Still Present Opportunity For Marketers <b>...</b>

News sites are a good place to advertise since 92% of consumers use multiple platforms to get news.

Facebook Makes <b>News</b> Feed Filters Available To All

It looks like Facebook has made its revived news feed filters available to all users, after initially made them available selectively last week.


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Wednesday, December 22, 2010

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Monday - When Irish Banks are Ailing


By Phil of Phil's Stock World 


$130 Billion!


That's how much money Ireland will be getting in the bailout package they said they didn't need as recently as Friday.  I just want to make it perfectly clear that I also DO NOT need a bailout of tens of Billions of dollars so whatever you do - DON'T give me a bailout this weekend.  Let's hope that works! The U.K. and Sweden may contribute bilateral loans, the EU said in a statement. Irish Finance Minister Lenihan declined to say how big the package will be, saying that it will be less than 100 billion euros but Goldman Sachs said yesterday the government needs 65 billion euros to fund itself for the next three years and 30 billion euros for the banks.  


Ireland's annual deficit is the worst in Europe at 30% of GDP (that would be like the US having a $5Tn annual deficit) and the nation is expected to slash its budget by $20Bn next year just to keep it under that level. Prime Minister Cowen holds a very thin majority and now faces a "no confidence" vote that could lead to further turmoil with a special election coming on Thursday for a vacant parliamentary seat.  "The likelihood of this government surviving long beyond the first month or two of next year is virtually gone now," says David Farrell, professor of politics at the University College Dublin.    


I already put out a special note to Members early this morning on the Dollar and the markets, so I won't get back into it here but suffice to say we are VERY concerned about any instability that may drive people back into the dollar. I also have nothing to say on the US Economy that John Mauldin didn't say in his great article this weekend "O Deflation, Where is Thy Sting?" so please read that and catch up on Market Tamer's very nice chart series and then we can move ahead with current events.  All caught up now?  Great, let's go!  


Also featured at PSW this weekend was Ed Harrison's note that perhaps some of the great Q3 performance in tech names was the result of good old-fashioned "channel stuffing," where companies inflate sales figures by forcing more products through a distribution channel than the channel is actually capable of ultimately selling.  In other words, be it the salespeople or the management trying to get better-looking results, they shove deliveries out the door in overly-optimistic anticipation of demand that is not likely to show up. This goes a long way to explain the discrepancy between reported sales and the lack of actual activity measure in the Baltic Dry Index (down 25% since early September) and rail traffic reports (flat).  


Even mighty German export growth is slowing according to the Ifo Economic Institute, which showed October's Export Climate index fell for the sixth consecutive month to 1.0, which is the lowest reading since last December. India is facing a mini crisis as micro-lenders begin to fail en masse and the S&P downgraded New Zealand to NEGATIVE on concerns over that country's finances. Keeping in mind that it's ALL about the Dollar (see note to Members) - the bulls should be VERY concerned about these developments.  


Another thing you need to see is this weekend's Stock World Weekly which features, among other things, the amazing Beta 3 tracker and, as we're still in free Beta, I can still print the chart for you here.  UNFORTUNATELY, the chart has not let us down so far and woe unto the markets if we hold this pattern through December:



Keep in mind that we are completing the Beta 3 as it's the up-trending pattern we've been following for months. If we begin to break down, that's going to be a different pattern and it's not likely to be driven and distorted by a "flash crash" like our May dip was although we can't discount the possibility and THAT'S WHY WE'RE BACK IN CASH!  I'm bored with saying it so you must be bored hearing it but I still see too many people asking "what's good to buy" when my answer is generally "nothing" at the moment.  If you think the above chart is depressing, take a look at this little piece of pattern recognition panic:



The big news in the US this week will be the "vast" insider trading probe of US markets that will, as usual, include our friends at Goldman Sachs.  US banks are looking at another $100Bn in potential mortgage losses, according to Barron's this week and, of course, China continues to try to flight inflation, which some estimate will move over 6% next year despite measures already in place.  


Keep an eye on copper $3.80, that's a canary in the coal mine for the global markets as is oil failing the $80 mark if it comes to that (now $81.67) but today is the last day of December contracts on the NYMEX and our bet is they dump off in the morning and climb back over $82.50 into inventories this week - as long as the Dollar stays below that 79 mark (now 78.67). We will get a lot of data for a short week with GDP and Existing Home Sales tomorrow morning and FOMC minutes, which are always fun, at 2pm.   Tuesday is all of the week's data stuffed into one day including oil inventories plus Mortgage Applications, Personal Income and Spending, PCE Prices, Durable Goods, Jobless Claims, Michigan Sentiment, New Home Sales and the FHFA Home Price Index.  


As I said this morning to Members in the Weekly Outlook:



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Ben Sherwood - ABC <b>News</b> | Attack Video | Mediaite

If a video posted to Vimeo is to be believed, there are some insiders at ABC News who don't really care very much for newly-named boss Ben Sherwood, described in the video as the Draco Malfoy of Broadcast News. The video--essentially a ...

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.


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Ben Sherwood - ABC <b>News</b> | Attack Video | Mediaite

If a video posted to Vimeo is to be believed, there are some insiders at ABC News who don't really care very much for newly-named boss Ben Sherwood, described in the video as the Draco Malfoy of Broadcast News. The video--essentially a ...

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.


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Ben Sherwood - ABC <b>News</b> | Attack Video | Mediaite

If a video posted to Vimeo is to be believed, there are some insiders at ABC News who don't really care very much for newly-named boss Ben Sherwood, described in the video as the Draco Malfoy of Broadcast News. The video--essentially a ...

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.


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Ben Sherwood - ABC <b>News</b> | Attack Video | Mediaite

If a video posted to Vimeo is to be believed, there are some insiders at ABC News who don't really care very much for newly-named boss Ben Sherwood, described in the video as the Draco Malfoy of Broadcast News. The video--essentially a ...

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.


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Ben Sherwood - ABC <b>News</b> | Attack Video | Mediaite

If a video posted to Vimeo is to be believed, there are some insiders at ABC News who don't really care very much for newly-named boss Ben Sherwood, described in the video as the Draco Malfoy of Broadcast News. The video--essentially a ...

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.


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Ben Sherwood - ABC <b>News</b> | Attack Video | Mediaite

If a video posted to Vimeo is to be believed, there are some insiders at ABC News who don't really care very much for newly-named boss Ben Sherwood, described in the video as the Draco Malfoy of Broadcast News. The video--essentially a ...

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.


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Ben Sherwood - ABC <b>News</b> | Attack Video | Mediaite

If a video posted to Vimeo is to be believed, there are some insiders at ABC News who don't really care very much for newly-named boss Ben Sherwood, described in the video as the Draco Malfoy of Broadcast News. The video--essentially a ...

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.


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Ben Sherwood - ABC <b>News</b> | Attack Video | Mediaite

If a video posted to Vimeo is to be believed, there are some insiders at ABC News who don't really care very much for newly-named boss Ben Sherwood, described in the video as the Draco Malfoy of Broadcast News. The video--essentially a ...

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.


bench craft company scam

Ben Sherwood - ABC <b>News</b> | Attack Video | Mediaite

If a video posted to Vimeo is to be believed, there are some insiders at ABC News who don't really care very much for newly-named boss Ben Sherwood, described in the video as the Draco Malfoy of Broadcast News. The video--essentially a ...

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.


bench craft company scam

Ben Sherwood - ABC <b>News</b> | Attack Video | Mediaite

If a video posted to Vimeo is to be believed, there are some insiders at ABC News who don't really care very much for newly-named boss Ben Sherwood, described in the video as the Draco Malfoy of Broadcast News. The video--essentially a ...

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.


bench craft company scam

Ben Sherwood - ABC <b>News</b> | Attack Video | Mediaite

If a video posted to Vimeo is to be believed, there are some insiders at ABC News who don't really care very much for newly-named boss Ben Sherwood, described in the video as the Draco Malfoy of Broadcast News. The video--essentially a ...

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.


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Sunday, December 19, 2010

Making Money Web

I'm exploring the site now. First impressions:

1. Promoted Tweets: "When you promote a Tweet, only the most relevant users see it—put simply, that's users that follow similar accounts to yours." OK - so Twitter has some kind of (proprietary) segmenting algorithm. Does that mean "If I'm promoting tweets about RC Cola, users following Coke and Pepsi will see it, but someone who isn't following either of them won't?" What about someone who's following a celebrity that Coke or Pepsi sponsors? I guess if I were a brand, I'd want something a little more specific than that. On Facebook, I can say, "Only 18-35 year old males who are fans of any NBA team will see ads for my basketball shoes." What's the equivalent on Twitter?

2. Promoted Trends: Yeah, Carri's right about this one *and* there's another hitch. The way this has been described, a trend has to *already* be a Trending Topic before you can promote it. That means the brand has to sit at a console, watching Twitter, or have a script watching the world-wide, local and regional trending topics. When a new trend is "born", the brand has to decide if it's relevant, compose a tweet, then hit the "Promote" button.

I've seen Promoted Trends, so they must either have had a strong clue that it was going to make it into the Trending Topics ahead of time, like a sports event or TV show, or they were camped out on a console. I know the W+K people had a whole control center for the Old Spice campaign, complete with home-brew analytics, creative and legal teams working in real time, and so on. In any event, this seems to me to be a big-brand tool only, in conjunction with mass media and real-time campaign management and lots of data integration.

There are a few other issues with Promoted Trends. Every user can choose to see "World Wide" Trending Topics, or trends from certain cities or regions. If you're promoting a Boston restaurant, I'd think you'd only want to show the Promoted button to people who were viewing Boston trending topics. Another issue is spammers. When the list of trending topics updates, there are spambots that latch on to multiple topics - if I viewed "Boston Celtics" during a basketball game, sure, I'd see a Promoted Tweet for the restaurant at the top, but right after than I'd see a bunch of garbage. Twitter needs to filter the spam out of Trending Topics before Promoted Trends will be effective. I think it's an easy piece of code to write - just ignore any tweet that matches more than one trending topic.

3. Promoted Accounts: As far as I'm concerned, I don't know that I'd buy a promoted account if Twitter was filtering who saw it. I don't think Twitter's "Who To Follow" algorithms are that good yet. For example, I followed a math teacher in the UK recently who tweeted something interesting. For *days* after that, Twitter's Who To Follow list was mostly math teachers in the UK! Either they all follow each other or Twitter is looking at the profiles. If I bought a Promoted Account I'd want to either know how many people would see it and how they were selected, or I'd just want everyone to see it. And If I only pay per follower and not per view, I think I'd insist on knowing how they were segmented - I wouldn't want to have to spend my own resources qualifying followers.

4. Analytics: I'm really glad Twitter is providing those only for advertisers, because they're going to be tweaking the algorithms for months, and that costs money. Again, though, you really need to be a big brand before you can dedicate a real-time Twitter team to a campaign.

Bottom line: even with all the issues, I think it's going to be successful for campaigns like the Old Spice campaign, major league sports, mass market movies and television shows. It's working for Conan O' Brian, it worked for Old Spice, it probably worked for Best Buy and some of the movies that used it.

But for smaller businesses, with, say, a single person at a dashboard for a local business in one of the cities where Twitter captures Trending Topics, it's going to be a bit like day trading. Eventually, you'll learn how to do it, how to follow trends, promote them, compose a tweet stream that "resonates", etc., but there won't be much "science" in it. Spammers will figure out how to game it and "black hat Twitter resonance optimizers" will appear on the scene as if by magic.



Day two of Europe’s largest tech conference, Loic Le Meur’s Le Web 10 kicks off today in a couple minutes. Le Web brings in over 3,000 attendees from 26 countries worldwide and today’s talks include such notables as Zynga’s David Ko, Automattic’s Matt Mullenweg and Toni Schneider and 500 Startup’s Dave McClure. The event will be live streamed in its entirety courtesy of Ustream and you can watch the video above and here.


DAY 2 – DEC 9, 2010 – Pullman PLENARY ROOM


08h00 – Welcome Buffet Breakfast

09h00 – Welcome Back

Geraldine & Loïc Le Meur, LeWeb Founders


09h05

“Wisdom of Crowds”

Yossi Vardi, Investor & Entrepreneur


Money Talks


09h25 – Money Roundtable

Moderated by: Travis Kalanick, Entrepreneur & Angel Investor

Philippe Botteri, Vice President, Bessemer Venture Partners

Jeff Clavier, Founder & Managing Partner, SoftTech VC

Bernard Liautaud, Partner, Balderton Capital

Barry E. Silbert, CEO & Founder, SecondMarket, Inc.


09h55 – Thomas H. Glocer, CEO, Thomson Reuters

Q&A with Jeff Clavier, Founder & Managing Partner, SoftTech VC


10h25 – Alexander Tamas, Partner, DST International

Q&A with Loic Le Meur, Founder, LeWeb


10h45 – From a Simple Idea to a Global Success

Phil Libin, CEO, Evernote


Q&A with Loic Le Meur, Founder, LeWeb


Browsing the Platforms


11h00 – Matt Mullenweg, Founder and Toni Schneider, CEO, Automattic

Q&A with Alexia Tsotsis, Writer, TechCrunch


11h20 – Mitchell Baker, Chairperson, Mozilla Foundation

Q&A with Robert Scoble, American Blogger, Tech Evangelist & Author


11h50 – Keynote

David Ko, SVP of Mobile, Zynga

Q&A with MG Siegler, Writer, TechCrunch


Making a Difference…..


12h10 – Shai Agassi, Founder & CEO, Better Place


12h30 – Jack D. Hidary, Chairman, SmartTransportation.org


12h50 – Mel Young, Co-Founder, Homeless World Cup


13h10 – 14h30 – LUNCH BREAK


Tech & Innovation


14h30 – Thought Controlled Computing

Ariel Garten, CEO, Interaxon


14h50 – Salim Ismail, Executive Director, Singularity University


15h05 – Henri Seydoux, Founder & CEO, Parrot

Q&A with Loic Le Meur, Founder, LeWeb


Start-Up Competition Finals


15h25 – Introduction

David Hornik, General Partner, August Capital


15h30 – Start-Up Competition Finals

Hosted by Michael Arrington and David Hornik

3 companies, 9 minutes total each (5’demo & 4’ Q&A)

Featuring Panel of Judges:

Jean-David Blanc, Entrepreneur/Business Angel (Founder of AlloCine)

Brent Hoberman, Founder & Executive Chairman, mydeco

Xavier Niel, Deputy Chairman of the Board of Directors & Chief Strategy Officer, Iliad

Jacques-Antoine Granjon, Founder & CEO, Ventes-Privee

Pierre Kosciusko-Morizet, Founder & CEO, PriceMinister


16h20 – Panel How to get acquired?

Moderated by: Loic Le Meur, Founder, LeWeb

Anil Hansjee, Head of Corporate Development, Google EMEA


Pierre Kosciusko-Morizet, Founder & CEO, PriceMinister

Fritz Lanman, Senior Director, Corporate Strategy, Microsoft Corporation


16h50 – Startup Competition Awards Ceremony


17h05 – Ustream Contest Announcement powered by BuddyMedia

John Ham, Founder, Ustream


Erinn Marzo, Vice President, Strategic Brand Partnerships, Buddy Media


17h15 – Keynote

Dave McClure, Startup Investor & Troublemaker


17h30 – Keynote

Social Media And Big Business: Trends for 2011

A forward looking view by industry analyst Jeremiah Owyang, partner at Altimeter Group based off recent research on how large global brands are organizing, and spending on social media.

Jeremiah Owyang, Industry Analyst and Partner, Altimeter Group


17h45 – Keynote

Howard Lindzon, Co-founder & CEO, Stocktwits.com and Founder, Social Leverage

18h00-18h05

“The Network: reaching the parts other network providers have been unable to reach”

Gary Shainberg, Vice President, Global Technology & Innovation Support, BT Plc.


18h05 – Gary Vaynerchuk, Host, Wine Library TV, Author, CrushIT,

Q&A with the LeWeb participants and Loic Le Meur, Founder, LeWeb


18h35 – Closing Remarks, Geraldine & Loic Le Meur, LeWeb Founders




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Probably Bad <b>News</b>: Contradicting Headlines - Epic Fail Funny <b>...</b>

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The week in Android <b>News</b> | Android Central

Some ports have begun already and while this is overly exciting there is still plenty of other news that has gone down. Let's take a minute to look at some of the other stuff you may have missed. ...

Breaking? Study Finds Fox <b>News</b> Viewers Are The Most Misinformed <b>...</b>

To perhaps nobody's surprise, a study released this week finds that Fox News viewers are the most misinformed of any news consumers.



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Probably Bad <b>News</b>: Contradicting Headlines - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Contradicting Headlines.

The week in Android <b>News</b> | Android Central

Some ports have begun already and while this is overly exciting there is still plenty of other news that has gone down. Let's take a minute to look at some of the other stuff you may have missed. ...

Breaking? Study Finds Fox <b>News</b> Viewers Are The Most Misinformed <b>...</b>

To perhaps nobody's surprise, a study released this week finds that Fox News viewers are the most misinformed of any news consumers.



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Probably Bad <b>News</b>: Contradicting Headlines - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Contradicting Headlines.

The week in Android <b>News</b> | Android Central

Some ports have begun already and while this is overly exciting there is still plenty of other news that has gone down. Let's take a minute to look at some of the other stuff you may have missed. ...

Breaking? Study Finds Fox <b>News</b> Viewers Are The Most Misinformed <b>...</b>

To perhaps nobody's surprise, a study released this week finds that Fox News viewers are the most misinformed of any news consumers.



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Probably Bad <b>News</b>: Contradicting Headlines - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Contradicting Headlines.

The week in Android <b>News</b> | Android Central

Some ports have begun already and while this is overly exciting there is still plenty of other news that has gone down. Let's take a minute to look at some of the other stuff you may have missed. ...

Breaking? Study Finds Fox <b>News</b> Viewers Are The Most Misinformed <b>...</b>

To perhaps nobody's surprise, a study released this week finds that Fox News viewers are the most misinformed of any news consumers.



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Probably Bad <b>News</b>: Contradicting Headlines - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Contradicting Headlines.

The week in Android <b>News</b> | Android Central

Some ports have begun already and while this is overly exciting there is still plenty of other news that has gone down. Let's take a minute to look at some of the other stuff you may have missed. ...

Breaking? Study Finds Fox <b>News</b> Viewers Are The Most Misinformed <b>...</b>

To perhaps nobody's surprise, a study released this week finds that Fox News viewers are the most misinformed of any news consumers.



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Probably Bad <b>News</b>: Contradicting Headlines - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Contradicting Headlines.

The week in Android <b>News</b> | Android Central

Some ports have begun already and while this is overly exciting there is still plenty of other news that has gone down. Let's take a minute to look at some of the other stuff you may have missed. ...

Breaking? Study Finds Fox <b>News</b> Viewers Are The Most Misinformed <b>...</b>

To perhaps nobody's surprise, a study released this week finds that Fox News viewers are the most misinformed of any news consumers.



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Probably Bad <b>News</b>: Contradicting Headlines - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Contradicting Headlines.

The week in Android <b>News</b> | Android Central

Some ports have begun already and while this is overly exciting there is still plenty of other news that has gone down. Let's take a minute to look at some of the other stuff you may have missed. ...

Breaking? Study Finds Fox <b>News</b> Viewers Are The Most Misinformed <b>...</b>

To perhaps nobody's surprise, a study released this week finds that Fox News viewers are the most misinformed of any news consumers.



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Probably Bad <b>News</b>: Contradicting Headlines - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Contradicting Headlines.

The week in Android <b>News</b> | Android Central

Some ports have begun already and while this is overly exciting there is still plenty of other news that has gone down. Let's take a minute to look at some of the other stuff you may have missed. ...

Breaking? Study Finds Fox <b>News</b> Viewers Are The Most Misinformed <b>...</b>

To perhaps nobody's surprise, a study released this week finds that Fox News viewers are the most misinformed of any news consumers.



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Thursday, December 9, 2010

foreclosure investing


The banks are simply not likely to self-correct. Their financial incentives run entirely the wrong way – servicers make money on foreclosures and don’t think they’ll be held to account for faking documents. I’m glad that this investigation, whatever it is, will share information with the 50 state AGs, but let’s keep in mind, Treasury has “held accountable” the servicers for clear violations of the guidelines in HAMP by not imposing one sanction or financial levy on them. And past history suggests that, if the problem is wide enough to present a systemic risk, the likelihood that Treasury moves heaven and earth to shovel the banks money instead of unwinding the largest firms goes way up. I don’t know how they can get that accomplished with a Congress which simply won’t go near bailouts anymore, but nothing in this review process makes me believe that Treasury’s prime directive has shifted away from “protect the banks.”


Salmon did get Barr to say “You should hold us to whether things get better or worse. If a year from now nothing has changed, that would be a reasonable criticism.” I’m sure I can find someone to make it. Yves Smith, for example.



Yves does a thorough smackdown on the departing Michael Barr’s description of all the things the government is going to get to the bottom of the foreclosure fraud problem, noting that the foreclosure task force simply isn’t investigating the problem in enough detail to understand, much less solve, the problem.


But I wanted to look just at Barr’s language, both in his interview with Felix Salmon and in his presentation to the Financial Stability Oversight Council yesterday. Here are the five things he described as the key focus of the Foreclosure Working Group:



  1. Determining the scope of problems

  2. Holding the banks accountable for fixing these problems

  3. Making sure individuals who have been harmed are given redress and that firms pay penalties where appropriate for their actions

  4. Getting the mortgage servicing industry to do a better job for households in financial difficulty by providing alternatives to foreclosure

  5. Acting in a coordinated and comprehensive way to hold the firms accountable, bring clarity and certainty, and help households


Note, already, the choice of language here. The working group will “hold the banks accountable … for fixing these problems.” The firms will “pay penalties where appropriate for their actions.”


Barr uses the language the federal government has been consistently using since the scope of this problem became widely clear, in which the government envisions “holding banks accountable” by forcing them to operate effectively going forward, while making right the crimes of the past. Nowhere, in his presentation to the FSOC at least, does Barr envision holding the people who committed fraud accountable. In fact, there’s a lovely detail at 7:54 where Barr describes that the process is designed to assess whether affidavits and claims “are accurate.” Now, the government learned sometime since May–six months ago now–that they are not. But they have not yet prosecuted anyone for fraud. Which leads me to believe that when Barr says “assess whether affidavits are accurate,” he means, “assess whether they accurately reflect the state of the loan,” and not whether “the claims made by robo-signers are in fact true.”


And besides, how in hell could the government give those who have been harmed redress if the government is only reviewing a select subset of the loan files? Is the government going to provide everyone who believes they were screwed some legal aid to prove their claim?


Now compare what the soon-to-be-gone Barr told the FSOC in its kabuki public session with what he told Salmon.



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