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&#39;King of Crystal&#39; Sinaloa Cartel Leader Ignacio Nacho Coronel <b>...</b>

(July 30) -- Mexican troops have killed Ignacio Nacho Coronel, a top drug kingpin known as the King of Crystal, in a shootout as he tried to escape from a wealthy suburban hideout. His death is a rare victory for President Felipe ...

Brad Friedman and Desi Doyen: Green <b>News</b> Report: July 29, 2010 (Audio)

a href="http://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?id=324031097"> TWITTER: @GreenNewsReport.

Where all the <b>news</b> is good <b>news</b> - Canada - Macleans.ca

ZoomNB, a free monthly dedicated to reporting good news only.

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&#39;King of Crystal&#39; Sinaloa Cartel Leader Ignacio Nacho Coronel <b>...</b>

(July 30) -- Mexican troops have killed Ignacio Nacho Coronel, a top drug kingpin known as the King of Crystal, in a shootout as he tried to escape from a wealthy suburban hideout. His death is a rare victory for President Felipe ...

Brad Friedman and Desi Doyen: Green <b>News</b> Report: July 29, 2010 (Audio)

a href="http://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?id=324031097"> TWITTER: @GreenNewsReport.

Where all the <b>news</b> is good <b>news</b> - Canada - Macleans.ca

ZoomNB, a free monthly dedicated to reporting good news only.

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bank foreclosure

By Mike Konczal, a former financial engineer and fellow with the Roosevelt Institute who writes at New Deal 2.0

A year ago a week from today I discussed the financial innovation that wasn’t. It was a look at Lewis Ranieri, the creator of the mortgage backed security, as well as one of the minds behind the 1984 Secondary Mortgage Market Enhancement Act that created the market for MBS. In the piece he warns in April 2007 and May 2008 that securitization was never meant to handle a nationwide housing bubble and would have major failures if stressed along these lines.

Portfolio lending, like the lending in George Bailey’s bank, can handle writedowns and prevent foreclosures. There’s someone there who is assigned the role of making sure you can make your payments, thus preventing the major destruction that occurs in foreclosures. Ranieri was trying to alert the Milken conference on those two days that there was real danger, and that the market couldn’t fix it. Full quotes are at the post and worth your time, but this May 2008 quote summarizes:

Lou: The cardinal principle in the mortgage crisis is a very old one. You are almost always better off restructuring a loan in a crisis with a borrower than going to a foreclosure. In the past that was never at issue because the loan was always in the hands of someone acting as a fudiciary. The bank, or someone like a bank owned them, and they always exercised their best judgement and their interest. The problem now with the size of securitization and so many loans are not in the hands of a portfolio lender but in a security where structurally nobody is acting as the fiduciary. And part of our dilemma here is “who is going to make the decision on how to restructure around a credible borrower and is anybody paying that person to make that decision?” And what we need here is financial innovation in the first instance because you can’t do this loan by loan, you are going to have to scale this up to a bigger level and we are going to … have to cut the gordian knot of the securitization of these loans because otherwise if we keep letting these things go into foreclosure it’s a feedback loop where it will ultimately crush the consumer economy.

Moderator: How optimistic are you Lou? You used crisis, you used Great Depression a few minutes ago. That’s a little strong…

Lou: It’s not strong. I believe we know what to do because it is not remarkably different than what we’ve done in the past in the context of the housing bubble. If we are allowed to do it. We know how to restructure loans. The process has not changed and technology has made it easier….it will work because of the financial technology and internet technology…I don’t think this is an issue of the government, in fact we’d be better left to do what it is we actually know how to do, we know how to deal with housing crisis…but the difference between a foreclosure and a restructuring is frequently over 30% and because of the feedback loop that foreclosures create you keep taking a 30% loss on a smaller number. It doesn’t get to be fun. So no this isn’t a government issue, it is something the market needs to do…

And the market has failed. There are no major restructuring efforts through the private market. The legal conflicts and perverse incentives of middlemen servicers has devastated the housing market. The “nudge” philosophy of what the government can do – give the middlemen a little bribe to do the right thing – has also failed. A government action was clearly needed, and a government action was not delivered. Ranieri was wrong thinking that financial engineering would get them out of this legal mess, and growth and unemployment are suffering accordingly.

Representative Brad Miller is a blog reader, so I think he would have seen this writing on the wall in 2007. And I do know that Representatives Brad Miller and Linda Sanchez offered their “lien stripping” (the proper term for what has become known as cramdown) amendment in December of 2007, back when everyone first realized what a major problem we had in securitization (TPMCafe and dailykos).

Mortgage Modification

How well would this have worked? It’s worthwhile to explain, once again, all the strengths of this approach. From Adam Levitin’s Resolving The Foreclosure Crisis: Modification of Mortgages in Bankruptcy:

In light of market neutrality, the Article argues that permitting modification of home mortgages in bankruptcy presents the best solution to the foreclosure crisis. Unlike any other proposed response, bankruptcy modification offers immediate relief, solves the market problems created by securitization, addresses both problems of payment-reset shock and negative equity, screens out speculators, spreads burdens between borrowers and lenders, and avoids the costs and moral hazard of a government bailout. As the foreclosure crisis deepens, bankruptcy modification presents the best and least invasive method of stabilizing the housing market….

In a perfectly functioning market without agency and transaction costs, lenders would be engaged in large-scale modification of defaulted or distressed mortgage loans, as the lenders would prefer a smaller loss from modification than a larger loss from foreclosure. Voluntary modification, however, has not been happening on a large scale for a variety of reasons, most notably contractual impediments, agency costs, practical impediments, and other transaction costs.

If all distressed mortgages could be modified in bankruptcy, it would provide a method for bypassing the various contractual, agency, and other transactional inefficiencies. Permitting bankruptcy modification would give homeowners the option to force a workout of the mortgage, subject to the limitations provided by the Bankruptcy Code. Moreover, the possibility of a bankruptcy modification would encourage voluntary modifications, as mortgage lenders would prefer to exercise more control over the shape of the modification. An involuntary public system of mortgage modification would actually help foster voluntary, private solutions to the mortgage crisis.

Mortgage modification would de

al cleanly with the issues of refinancing, servicing conflicts and perverse incentives, second liens and other junior mortgages, getting rid of all the problems of mortgage securitization expert Ranieri identifies above.

Bankruptcy modification also would deals with the specifics of negative equity and unemployment income shocks without benefitting speculators, removing a real and worrisome issue for helping consumers who need it without helping those who don’t.

This is because in Chapter 13, debtors must bear their finances to the public, have money and time transaction costs, and live on a court-supervised, means-tested budget for three or five years. Chapter 13 also insists on full repayment of certain debts. Chapter 13 filers must have less than $1,010,650 in secured debts, so million-dollar mortgage holders or multiple property holders couldn’t rush to take advantage of this. It keeps speculators out.

This is not a magic solution. There will be those who can’t afford their mortgages even at market clearing rates, for which Right To Rent is a perfect solution. But these are fair and efficient and a proper response for this crisis rather than the costs of other options. And it is important to remember that there still are options for the government to pursue rather than a lot of loud talk about blaming evil runaway homeowners. By any conceivable measure, homeowners are under-strategically defaulting, not over. They are doing this because they want to stay in their homes and communities. It would be a wise idea to have clear government solutions to get them to do so.

Yves here. We have also advocated modification of residential mortgages in bankruptcy, as is now done for commercial real estate and other types of secured loans, such as for pleasure boats. That idea was beaten back early in the reform debate.

Note also that Konczal mentions the use of Chapter 13 bankruptcies. It isn’t widely recognized that servicers and the mortgage foreclosure mills also fight the use of Chapter 13, by filing a motion opposing the bankruptcy stay. Ironically, some attorneys representing Chapter 13 clients have fought these motions by questioning the standing of the party pursuing the foreclosure (often a servicer or MERS, the mortgage registry service, rather than the trust that presumably owns the note), which is producing results to the industry far more damaging had they allowed these Chapter 13 filings to proceed.

Foreclosure Mediation Programs Succeed Across The Country — Will Pawlenty Give Minnesota’s A Chance?

Today, across the country, mortgage mediation programs aimed at helping struggling homeowners stay in their homes are getting underway. Programs are launching in Maryland, as well as Florida’s 6th and 10th judicial circuits — encompassing Pasco, Pinellas, Hardee, Highlands, and Polk counties — while Cook County, Illinois is beginning a huge round of outreach for its burgeoning program.

In all, “the number of jurisdictions with foreclosure mediation programs is nearly double the number a year ago, with jurisdictions in 21 states now offering foreclosure mediation or negotiation programs.” Not on this list, however, is Minnesota, where Gov. Tim Pawlenty (R) saw fit to veto a program last year.

The Minnesota state senate recently passed the bill again, sending it to the state House, so Pawlenty could very well get a second shot soon. And there’s simply no reason for him to oppose the program, as mediation — during which a bank meets face-to-face with a borrower, often in the presence of a judge and housing advocates, to try and forge a mortgage modification or other arrangement that prevents a foreclosure — is one of the most successful methods of helping struggling borrowers stay in their homes.

Connecticut’s mediation program, for instance, has kept 60 percent of its borrowers out of foreclosure. Philadelphia’s success rate is also 60 percent, while Nevada claims an 85 percent success rate:

About 80 percent of homeowners at risk of losing their homes don’t engage in any efforts to negotiate with their lender. And those who do so on their own often run into a bureaucratic mess, including hours on hold, lost records, and customer service representatives who know nothing about the borrower’s situation. Mediation helps to ensure that situations like that don’t happen.

“These new protections empower our fellow Marylanders, putting them on a more equal footing with mortgage companies that too often can’t be bothered to pick up the phone before beginning a foreclosure proceeding against a Maryland family,” said Governor Martin O’Malley (D). And lest Pawlenty think this is a purely partisan issue, it has also won the praise of Gov. Jodi Rell (R-CT). “Clearly, mediation is an effective tool homeowners can use to ward off foreclosure,” she said. “This program is a beacon of hope for hard-pressed homeowners and a real alternative for lenders.”

In mediation, there’s no requirement for a lender to accommodate a borrower, but it’s often the case that preventing a foreclosure is in the best financial interest of both the borrower and the lender. As CAP’s Andrew Jakabovics and Alon Cohen wrote, “the simple act of participating in mediation consistently yields solutions short of foreclosure that are acceptable to both sides.” Hopefully, should the Minnesota legislature do the right thing and create a program, Pawlenty will allow it to stand.

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App review: BBC <b>News</b> on iPad &amp; iPhone | Econsultancy

Despite concerns expressed by commercial rivals, the BBC's first iPhone and iPad apps were released last week, with BBC News the first release.

Shakesville: Today in Not <b>News</b>: The Afghanistan War Blows

The biggest news about this leak should be that the horror the documents reveal isn't actually news. Not to anyone who's been paying attention to the war we're totally not supposed to be paying attention to. ...

Francine Hardaway: <b>News</b> Died This Week

But both the news and journalist Daniel Schorr died this week. Schorr died peacefully after a long and productive life. The news, however, was murdered. Unworthy commentators destroyed news.

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App review: BBC <b>News</b> on iPad &amp; iPhone | Econsultancy

Despite concerns expressed by commercial rivals, the BBC's first iPhone and iPad apps were released last week, with BBC News the first release.

Shakesville: Today in Not <b>News</b>: The Afghanistan War Blows

The biggest news about this leak should be that the horror the documents reveal isn't actually news. Not to anyone who's been paying attention to the war we're totally not supposed to be paying attention to. ...

Francine Hardaway: <b>News</b> Died This Week

But both the news and journalist Daniel Schorr died this week. Schorr died peacefully after a long and productive life. The news, however, was murdered. Unworthy commentators destroyed news.

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about internet marketing

I’m Neil Glassman and my beats for Social Times include social media marketing and advertising tools, techniques and success stories. Sometimes my posts go off on a tangent, focusing on small business social media issues or research with broader implications.

How did I get the gig? Well, I certainly did not tell Nick O’Neill the whole story that follows.

I didn’t realize growing up that AM radio was one of the original social networks. It had Top 40 formats (mashups), DJ shout outs (tweets), contests to win logo T-shirts (badges) and exclusive clubs to which everyone belonged (Facebook groups).

I got into late night talk shows (blogs), which had an intimacy and affinity with listeners that radio has lost and web social networks have yet to fully discover. My parents didn’t think it was such a great idea for me to stay up late listening on school nights and took away my TV privileges for one night as punishment. That was the night of The Beatles’ first appearance on Ed Sullivan.

My luck with media improved over the years and I found myself marketing technology for media companies. My training was much like everyone else’s in the field: a box of Mad Magazine “best-of” books, learning how to touch-type and a brief career teaching emotionally disturbed junior high schoolers.

In the beginning, I worked with startups, turning underdogs into wonderdogs. Recently I’ve helped a few companies avoid a mid-life crisis. Whatever my responsibilities are for a particular company, my favorite part is finding ways to present a solution to the marketplace and having the marketplace react by saying, “Ah-Ha!”

Successful marketing means thinking outside the box while delivering campaigns inside the box. I leaped on the web-based and electronically delivered marketing platforms very early and with good success. When Nick put out a call for writers on marketing and advertising, I thought it was a cool opportunity and am grateful to have been chosen to contribute to Social Times. My posts are a great way to share my explorations of the potential of the social web, not just for marketers, but for the world’s cultures.

As marketers, our first priority is to develop campaigns that are effective. If we manage to leave a slogan, image or song in our collective unconscious in the process, that’s a great bonus. In my collaborations, I’ve had the chance to participate in some firsts — at least I think they were firsts. If you know something I don’t, teach me.

The first music video shown on TV that was shot and produced totally on video — no film conversion at any step. The Towel Tapes, February 1979.

Marketing the first hardware product to include mp3. Telos Zephyr, April 1993.

The first time the Internet ground to a halt because too many were trying to log in to a multimedia event. Streaming George Clinton concert audio to demonstrate Macromedia Shockwave, the precursor to Flash. November 1996.

On the personal front, I’m a New Yorker with a huge appetite for great songwriters and musicians of diverse genres. Tweet me and I’ll send you a link to my calendar of all the free concerts in town this summer.

Blogging works best when it’s participatory, so join in the conversation with the talented team on Social Times. Pitch me ideas for posts about using social media for marketing and advertising. Don’t forget to include how you are going to make the market say, “Ah-Ha!”

Retailing | Heidi MacDonald confirms rumors that well-regarded Brooklyn retailer Rocketship, the setting for numerous signings, release parties and art shows, has closed after five years. “We’ve come to the end of a five-year lease, and are deciding what to do now," said co-owner Alex Cox. "Five years went by fast, and my partner and I are suddenly making some large life decisions about what comes next. We love the shop, and as fun as it is, we have to figure out what makes sense for us on a practical level." [The Beat]

Pop culture | KRCW-Santa Monica (89.9 FM) will rebroadcast the 1991 radio production of American Splendor, starring Dan Castellaneta, from 7:30 to 8 p.m. PST today. This broadcast will appear on air and via KCRW.com live stream only, and will not be available on demand or via podcast.

Legal | The Wall Street Journal's Tomomichi Amano looks at efforts by a newly formed coalition of Japanese and American manga publishers to crack down on U.S.-based scanlation websites. "People might say it’s like whack-a-mole," says Vertical Inc.'s Ioannis Mentzas, "but we think even making one (legal) case will greatly change the situation." [Japan Real Time]

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Mimicking Apple an imperative for PC makers | Nanotech - The <b>...</b>

PC makers are imitating Apple as fast as they can--and for good reason. Read this blog post by Brooke Crothers on Nanotech - The Circuits Blog.

<b>News</b> Roundup: Gabriel Macht Joins USA Network Pilot, &#39;Glee&#39; Casts <b>...</b>

Gabriel Macht, known to many for his role in 'The Spirit,' is getting a very 'Legal' state of mind. Macht has joined the cast of USA.

AMERICAblog <b>News</b>: &#39;Afghan War Diary&#39; — Wikileaks massive <b>...</b>

Note which news-blond(e)s trash Wikileaks. (I'm looking at you, Chuck Todd; prove me wrong.) Those that do — list them as unreliable. They're part of the War Sales Team. Operatives. I'll have more. This exposes a whole layer of analysis ...

1 internet marketing

There's an (allegedly) iPhone-taken video with 60,000 views that went on YouTube on June 9, 2010. It's not very good or very funny, but it surely is black ops marketing for one major burger chain, even though it's shot in another major burger chain. And this is how the greatest minds behind the big business of viral marketing today apparently think is the best way to get their video "picked up" by blogs: casual emails that look pretty much like emails anyone with a blog gets on a daily basis except… less good.

subject: "The [NAME OF BURGER CHAIN 1] Miracle Bun"

date: June 9, 2010

We werent sure where to send this, one of our friends suggested we try to email it out to a bunch of blogs and sites. So here we are.

Here's what went down. Last week my buddy dragged me to a [NAME OF BURGER CHAIN 2] for the first time in forever. What happened once we got our food was the craziest thing. I'm still kind of creeped out by it. You sort of have to see to understand. Check it out for yourself. And please please post and pass along, we are trying to get this to the world.

[VIDEO LINK]

Thanks a trillion.

Toby Crenshaw

Jake Smith

What's weird about this email is: those two names actually Google up as real people? So I was giving this a "wait and see." But then there were more emails!

subject: "tip/ submission something miraculous from [NAME OF BURGER CHAIN 1]?"

date: July 6, 2010

hey there. saw this the other day and thought it might be cool for the site or someone you know…

I found it on SFist and then saw it on Barstools too. It's two kids from San Francisco who went to the [NAME OF BURGER CHAIN 2] s @ Fishermen's wharf and found somebody special in their bun. Makes me wonder if it might be an irreverent marketing ploy to stick it to the Golden Arches. Check it out and pass it on.

[LINKS TO SITES AND VIDEOS]

Jen Marsh

subject: "new work for [NAME OF BURGER CHAIN 1]?"

date: July 20, 2010

been a fan of the site for a while now, and thought you might be interested in this.

I've seen this video a bunch of places recently was wondering.

Regardless, a fun jab at the Golden Arches.

[VIDEO LINK]

Regards

Tyrese Washington

They're still at it! They're going to make this video happen if it kills them.

If you really want to look at this video, which isn't much to see, you can copy and paste this URL:

http://www.youtube.com/watch?v=KttI-q1UWD0

Maybe it's not even viral marketing for the burger chains! Maybe it's like, just guys who want to be famous, or to have proven their prowess at going viral. Who knows? We don't. But also: do not want.

Old Spice’s marketing gimmick—a macho guy played with a wink by Isaiah Mustafa—has reached a crescendo on TV and the Web. Tricia Romano on the evolution of black male sex symbols.

From the moment the Old Spice commercial featuring Isaiah Mustafa aired in February America swooned. Who, we wanted to know, was this dashing, tall, dark and handsome figure with impossible abs, a gleaming smile, and a twinkle in his eyes? (Oh, yes, and riding on a horse. One mustn't forget the horse).

Mustafa quickly became a household face—if not name—as the original commercial eventually racked up 13 million views on YouTube.

He's hot enough to make celebrity lesbian Ellen DeGeneres giggle like a school girl when he visited her set, causing her to beg him to recite his Old Spice lines.

Old Spice Guy Hangs Up His Towel

And this week, on the heels of its second installment in the series (featuring Mustafa swan diving into a jacuzzi and landing on a motorcycle), the company invited people to ask questions of "Old Spice Man" on Twitter which Mustafa answered in 30-second clips on YouTube. The result was an instant viral success—the Old Spice YouTube channel was ranked No. 1 on the website. (At least one person wasn’t impressed: Sockington the cat—who has resisted using his popularity for commercial purposes—threw up his paw: “HELLO @OLDSPICE much interest at your viral marketing campaign at sockington hq/litterbox I AM A CAT WITH 68 TIMES MORE FOLLOWERS discuss.”

Sockington’s dissent aside, the success of the Old Spice commercials hinges not only on the clever, almost absurdist imagery and writing, but on Mustafa and his inherent sex appeal.

The Root argued this week in an essay called, "Why The Old Spice Guy Is Good For Black America" that "the success of the Old Spice Guy ... might actually be a sign that being a black man in America is getting slightly easier." Cord Jefferson points out that not so long ago, the black man's role in advertising was as a scary figure to contrast against the white so-called gentlemen; or more recently, as a subservient figure.

I'll go one further than Jefferson: The Old Spice Guy isn't just good for Black America, Mustafa's place in the pop culture pantheon is good for all of America.

As Farai Chideya, former NPR journalist and host of forthcoming radio show, Pop and Politics Radio, explained to me, "You have certain black actors who could sell things, but they usually did them in these nonsexual ways, like Bill Cosby and Jello. Then you had people who were sexual like Billy Dee Williams, who pitched a brand for a black audience," she said. "This is something new where it's for a mainstream, general mixed-race audience."

Caption: Mustafa filmed video responses to some of his lucky Twitter followers, including actress Alyssa Milano.

The choice of a black man as the desired sex object for a national advertising spot aimed at mainstream America, which is to say white America, is particularly perfect right now. It's hard to say whether Mustafa and Old Spice would have paired up 10 or 20 years ago, unless he was a famous star athlete like O.J. Simpson. One could argue that having a handsome black president has softened a lot of people’s ideas of what’s attractive and sexy—Obama’s shaky polls notwithstanding.

Interestingly, Old Spice had another black spokesman before Mustafa: Terry Crews. The hyperactive ad series featured the ex-NFL linebacker topless and yelling in an intense (and funny) way. Chideya says of Crews: "He's not as handsome as Isaiah, but he's also really funny in a way that's more within the black vernacular." Of Mustafa, she says, "This guy is no doubt black, but he's someone who is the modern, urbane, living-in-a-post-racial-Fort Greene kind of a guy."

While Obama braves the fast-moving political tide (we love him, we are irritated and disappointed with him, we loathe him, we love him again), here is this other stunningly handsome, funny black man on our TV, transcending color lines, with—it should be noted—a Muslim name.

Arcane Brilliance: <b>News</b> and notes from Cataclysm beta build 12604

Totem Talk: Back to basics � Know Your Lore: The Eternals part three -- the Titans � Arcane Brilliance: News and notes from Cataclysm beta build 12604 � Shifting Perspectives: Recreating balance druids in Cataclysm ...

<b>News</b> and Announcements | AAVSO

News and Announcements. New Web Site Launch! July 23, 2010 - 12:34am. AAVSO Alert Notice 422 July 16, 2010 - 5:20pm. Observing Campaign on Hubble's First Variable in M31: M31_V1. July 16, 2010: An observing campaign is being carried out ...

BBC - BBC Internet Blog: BBC <b>News</b> mobile apps

A place where senior staff from the BBC's Future Media and Technology teams, will discuss issues raised by you about BBC Online, the BBC's digital and mobile services, and the technology behind them.

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personal finance budgets

Forget the coupon clipping. A straightforward, realistic budget is the best deal you'll ever find.



Why is a budget the best deal? Because, just like your childhood puppy your budget will always be there for you, no expiration dates, no fine print to yank away the savings after you've already been whipped into a furry of consumerism. If you care for your budget it will take care of you so that "saving" isn't just not unnecessarily spending an extra $5 at the grocery store this week; but actually saving money in a high yield savings account. Another great thing about a budget is that, again like your puppy, it will take you back even if you screw up.



Think outside the sale. For years I chased after deals and discounts like they were the oxygen keeping me alive. It didn't matter if I needed an item or not -- if there was a sticker advertising 60, 70, 80 or 90% off a gadget, I wanted to buy it. How could I pass up the savings?



It wasn't until recently that I realized a budget is the best deal you can find. After taking a few minutes to look at how to put together a budget I realized that it takes less time to set up and follow a budget than it does to look for deals every day of the week.



Thanks to great free personal finance management (PFM) tools from sites such as like Mint.com, Rudder and others you can easily create a budget and track how well you are following it each day. These tools will even send you a notification when you go outside of your budget so you aren't shocked at the end of the month. If you don't already have a successful budget don't start creating one yet. First go read these tips for setting realistic budget.



Advice on Budgeting

• Reverse Budget - A savings first solution from FiveCentNickel


• Budgeting basics - a Budget primer from Consumerism Commentary including suggestions on how to get started.

My personal favorite and current method of budgeting isn't so much a budget as it is smart spending. Ramit Sethi explains the model in his book I Will Teach You to Be Rich, calling it, "Conscious Spending." Instead of focusing on the minutia Sethi concedes that it is in fact OK to, "Spend extravagantly on the things you love, and cut costs mercilessly on the things you don't."



A budget may be the best deal, but that doesn't mean you need to give up on coupon clipping and bargain hunting; just make these tools that support your plan instead of the main focus. If you plan for your purchases, by saving up at SmartyPig or setting a goal in Rudder, you can still go looking for a deal on your next purchase and pay in cash. Trust me, there's something really incredible about paying in cash for the new camera that you've researched and found the best deal on.Thanks to great free personal finance management (PFM) tools from sites such as like Mint.com, Rudder and others you can easily create a budget and track how well you are following it each day. These tools will even send you a notification when you go outside of your budget so you aren't shocked at the end of the month. If you don't already have a successful budget don't start creating one yet. First go read these tips for setting realistic budget.



Advice on Budgeting

• Reverse Budget - A savings first solution from FiveCentNickel


• Budgeting basics - a Budget primer from Consumerism Commentary including suggestions on how to get started.

My personal favorite and current method of budgeting isn't so much a budget as it is smart spending. Ramit Sethi explains the model in his book, I Will Teach You to Be Rich, calling it, "conscious spending." Instead of focusing on the minutia Sethi concedes that it is in fact wise to "spend extravagantly on the things you love, and cut costs mercilessly on the things you don't."



A budget may be the best deal, but that doesn't mean you need to give up on coupon clipping and bargain hunting; just make these tools that support your plan instead of the main focus. If you plan for your purchases, by saving up at SmartyPig or setting a goal in Rudder, you can still go looking for a deal on your next purchase and pay in cash. Trust me, there's something really incredible about paying in cash for the new camera that you've researched and found the best deal on.

What a fantastic basic concept.

Hitler lost the second world war because he attacked Russia too soon. udervise ve vood all be speeking Deutsch now.

We employed the alternative massively effective budgetting tool.

Be a self employed Engineer for 15 years with take home pay of £50K a year and spend it all (and more besides, because ‘I want one of those NOW’) because ‘my jobs safe’.

Watch as the banks destroy the worlds finances.

Suddenly realise that over 90% of British industry is ultimately owned by Japanese investment banks, who suddenly have no money to fulfill their legal obligations to complete legislation driven improvment projects.

Watch as my £50K a year take home falls to ZERO.

Start a brand new business with Kleeneze (sorry not available in the USA) Which although it’s building really well is , after all, a business and needs time.

Suddenly HAVE to live on £18K a year GROSS.

Best Motivation for re-inventing your budget that anyone can have LOL.

We used to spend about £1,000 a month on groceries, now we spend around £300 a month, AND we eat more healthily.

Fortunately the finance on my car ended a month after our income disappeared saving us £375 a month.

We’ve sold my wifes’ car (THAT hurt) it was a really nice car, but it was costing us £489 a month in finance.

We’ve moved to a cheaper house saving us £400 a month in rent.

We’ve cancelled everything that wasn’t absolutely essential - including SKY and the TV license (It’s true, you don’t die if you turn the telly off!)

We still have creditors who we’re negotiating reduced payments and frozen interest with, but basically we are starting again from scratch.

We won’t fall into the credit trap again

Certainly not in the next six years or more ‘cos no-one in their right mind will give us credit now anyway!!

The one thing that keeps coming back to me though is

WHY aren’t our schools teaching kids how to budget? It’s a thousand times more important than even the basics.

Who cares if you can’t spell budgit if you can make one and stick to it.

It CAN’T be one of the things that are left to parents because nobody ever taught us!

Back to subject,

Your article is brilliant and if it helps one person (which I’m sure it already has) to get out or stay out of debt then you’ve done a service to humanity.

Keep it up &

we’ll see you

OVER the top

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Website users give BBC <b>News</b> redesign grief (and anger, and <b>...</b>

Josh Halliday: The BBC News website aims to engage with its users – who are leaving thousands of complaints – as its new look beds in.

ASUS EP101TC Now Shipping with Android | Netbooknews - Netbooks <b>...</b>

Today the Netbook News team went down to the ASUS headquarters to hang out with the Eee Pad team, and we learned something that actually made us breath a sigh of relief. The EP101TC pad will dropping Windows CE and will be shipped with ...

Rachel Maddow - Video | Fox <b>News</b> | Shirley Sherrod | Mediaite

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Today the Netbook News team went down to the ASUS headquarters to hang out with the Eee Pad team, and we learned something that actually made us breath a sigh of relief. The EP101TC pad will dropping Windows CE and will be shipped with ...

Rachel Maddow - Video | Fox <b>News</b> | Shirley Sherrod | Mediaite

While President Obama may be trying to avoid diving into the racial fray right now, Rachel Maddow jumped right in last night. In a fairly devastating segment Maddow tied this week's Shirley Sherrod debacle to previous cases, ...

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managing your personal finance

As you’ll read tomorrow (or Monday), I’ve entered a new phase in my life. After years of hard work and long hours building this blog (time that I’ve enjoyed), I’ve been shifting things around so that I have more free time. As a result, I’m going to have more time to devote to creating quality blog posts, instead of rushing around at the last minute looking for something to write about.

Because of this, it’s time yet again to take requests. I do this about once a year, and it’s a great way to get a feel for what GRS readers are interested in. I’d be grateful if you’d take the time to leave a comment below with topic suggestions or article requests. It doesn’t matter if we’ve covered the subject in the past. If you’d like me (or one of the other GRS staff) to write about it, let me know.

Have there been too many articles about credit cards? Too few articles about credit cards? Would you like to know more about individual savings accounts? Do you like the articles about the psychology of spending? Would it be helpful to have somebody come in to explain insurance concepts in plain English? Should I try to persuade my wife to share more of her recipes now and then? Let me know what you’d like to read about!

While you’re all providing feedback about the site, here are a few recent articles of note:

Over at The Simple Dollar, Trent and his readers had a thoughtful discussion about the obligations of wealth. “I think there is some inherent distrust of the rich in the mainstream of American society,” Trent writes as he describes how a wealthy person can keep from alienating his friends. There’s so much to say about this topic; I’m tempted to write an entire article about it.

GRS reader Steven writes a blog called Hundred Goals, which is about achieving your goals while managing your finances. After Sierra’s post this morning about travel, he dropped me a line to let me know that he has a recent article about how to have a great vacation.

Speaking of vacation, my pal Jason over at No Credit Needed spent time compiling day-use fees and free days for state parks across the United States. Handy page to bookmark!

And here’s more travel! At The Art of Non-Conformity, my good friend Chris Guillebeau has posted a beginner’s guide to travel hacking. I’ve been asking him to share this info for a long time; now I’ve got to take responsibility to use the knowledge he’s shared.

Finally, I’ve been giving a lot of interviews lately. I’m much more comfortable with these than I used to be. (They used to scare me to death!) Some examples:

• Colleen from The Frisky interviewed me about how to save money even when you’re living paycheck to paycheck. This is a tough quandary, something I’m asked about a lot.




• In an interview with BeFrugal, I discuss frugality, happiness, and conscious spending. (Note: “the ballot” should be “the balance” — I must have mumbled.)




• Jeff Rose at Good Financial Cents also interviewed me. This interview is very much about the process of writing a book, which may or may not interest you.




• I also spoke with Beverly Harzog from Card Ratings. We chatted about credit cards, of course, but also about other aspects of personal finance.




• Finally, USA Weekend has a short piece on how to give your 401(k) a midyear check, for which author Richard Eisenberg interviewed me back in May. This is a perfect example of how much work goes into even a small newspaper article. Eisenberg spent 20-30 minutes on the phone with me, and I’m sure he did the same with the other folks he quotes. Plus, I’ll bet he spent a lot of time writing. I wouldn’t be surprised if there were 4-6 hours in this small piece.

Okay, one last thing before I go. Tim pointed me to a two-year-old New York Times series about the debt trap, which includes an interactive infographic showing average household debt loads over the past century.

That’s enough links for today. Please do leave a comment with topic requests or other feedback. Meanwhile, it’s time for me to go do some yardwork…

deals, Software, VC

Jive Software Nabs $30M in Round From Kleiner Perkins, Sequoia Capital

Thea Chard 7/21/10

Jive Software, the Palo Alto, CA-based software company started in Portland, OR, has received $30 million in Series C financing led by Kleiner Perkins Caufield & Byers.

This latest shot of cash, part of which comes from Sequoia Capital, means the company has raised more than $57 million in the last three years. Sequoia had been Jive’s sole investor up until this point, providing $12 million back in October, and $15 million in 2007.

“This is the biggest joint investment that Kleiner and Sequoia have done since they partnered up with Google,” says Bryan LeBlanc, Jive’s chief financial officer.

The investors are betting big that Jive has figured out how to harness some key elements of social media for business. Jive provides social-networking, communication, collaboration, and social media monitoring tools to more than 5,000 businesses, a group that ranges from small and mid-size companies to huge global brands. Jive’s customer roster includes Nike, Starbucks, SAP, Cisco Systems, Charles Schwab, and Intel. The company also provides social networking and collaboration software for a number of U.S. government agencies, as well as congressional members and their staffs.

“We’re the largest and fastest-growing company in this new category,” says Christopher Lochhead, Jive’s chief strategy advisor. “It’s about a $5 billion dollar market growing at about 40 percent, and we’re the clear leaders.”

The company’s biggest competitors include Microsoft and IBM. But according to Lochhead, Jive has an advantage—the support of some significant VC dollars, which he says will give Jive the ability to expand its product offerings and hire the best talent Silicon Valley has to offer in “multiple gene pools.”

As part of the deal, Kleiner Perkins managing partner Ted Schlein will be joining the Jive board of directors. The $30 million capital will be used to “accelerate Jive’s rapid growth and further drive the company’s leadership in the social business market,” according to a company statement.

What does that mean for potential clients? That the company will be expanding on its current social business software—the “doppler weather radar” of what’s going on in specific markets as Lochhead puts it. It will also allow Jive to focus on developing four strategic pillars moving forward. First is what Lochhead calls  ”Jive What Matters,” a one-stop command center that encompasses “everything that you need to get your job done,” in terms of monitoring deadlines, status updates, sales numbers, all in one place. Then there’s Jive mobile apps; social widgets, such as YouTube and SalesForce, integrated into the software; and seeking out more strategic partnerships with companies like Google and Twitter.

“What social business software entails is a new way to engage with your employees, customers and the web,” Lochhead says. “Why is it so fun, effective and easy to do all of this stuff in my personal life, and yet work sucks? All of those innovations in the consumer social web, Jive is bringing to the enterprise.” He adds: “It’s a new way to do business that allows people to work together, interact, in a way that just wasn’t possible before.”

LeBlanc, the finance chief, added: “$30 million allows us to have the currency to execute that strategy.”

Though Jive, founded in Portland, OR in 2001, relocated its headquarters to Palo Alto, CA last May, it continues to maintain a growing presence in the Pacific Northwest. The company laid off one-third of its employees—around 40 people, including the vice president of engineering and vice president of sales—after the economic down turn in 2008. But Lochhead says it’s maintained profitability and is growing again, with 270 employees spread throughout the offices in Palo Alto, Portland, OR, and Boulder, CO, as well as two outposts in Europe. In January, the company posted record profits—an 85 percent increase in full-year revenue in 2009 when compared to the previous year.

And although LeBlanc could not give us exact figures on how Jive is doing this year, he did say that the financial support from Kleiner Perkins and Sequoia is a strong indication of the company’s potential.

“We do intend to build a large, relevant software company, and often when you look at large, relevant software companies, they’re $1 billion companies,” LeBlanc said. “Having that capital now—I think it’s a testament that Sequoia has been very bullish about this space…it’s unusual and we feel, frankly, very honored to have two of the titans of Sand Hill Road both behind us.”

Thea Chard is the Assistant Editor for Xconomy Seattle. You can e-mail her at tchard@xconomy.com or follow her on Twitter at http://twitter.com/theachard.

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The iPad just got a game changing <b>news</b> reader, it&#39;s called Flipboard.

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Brad Friedman and Desi Doyen: Green <b>News</b> Report: July 20, 2010 (Audio)

IN 'GREEN NEWS EXTRA' (see links below): CA's pioneering e-waste program a model gone wrong; 'Climategate' debate a polite, well-mannered affair; Geoengineering can't please everyone!; CBO: Corn based ethanol a waste of taxpayer money; ...

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managing personal finances

Elon Musk, the CEO of electric-car startup Tesla Motors and rocket-launcher SpaceX, should be applauded for the mighty challenges he's taken on and the powers of persuasion he has deployed to build his companies. But along the way, he discovered that he could stretch the truth, casually and frequently, as a shortcut to getting things done.

Clad in a sheen of bubbly optimism, his mendacity nonetheless has consequences. Through Tesla's IPO, he has now taken hundreds of millions of dollars from taxpayers and public investors who expect not just a return but square dealing from the man who is managing their company for them.

So where has Musk spun the facts?

Critical reporting

Well, let's go with the most recent one: He's lied about me, and VentureBeat, apparently in retaliation for our aggressive and accurate reporting.

In an article published by the Huffington Post, he calls me "Silicon Valley's Jayson Blair." He accused me of making errors, but never once specified them. Here's the truth: I cited Musk's own words from court filings, which we had paid a freelance reporter to find and copy, legally, from a courthouse in Van Nuys, Calif. I also interviewed a host of other sources. I emailed Musk questions and called his lawyer repeatedly before publishing. We went to extra lengths to nail down the facts: Before publishing, VentureBeat editor-in-chief Matt Marshall called Musk and had interviews with at least three Tesla board members.

We make no apologies for seeking the truth about Tesla Motors and Elon Musk, a vital company and an iconic entrepreneur of Silicon Valley. Our reporting (here's one example of our series) helped investors get a more truthful picture of a company that was going public and the man behind it.

Musk also accused me of "collaborating" with the lawyer representing Justine Musk, his ex-wife, in their divorce case. Also false: I picked up the phone and called her lawyer, and he had the courtesy to answer my questions.

Now, we should all be used to Musk insulting journalists who don't report what they're told to. But calling someone a "Jayson Blair" is a troubling assertion to anyone who prefers his insults to have a factual basis.

When I ran fact-checking at Business 2.0 magazine, here's what I would have asked the writer to prove before I'd let him get away with that kind of factual assertion: So, you want to compare this Owen Thomas person to one of journalism's most infamous miscreants. Is Owen Thomas a drug addict? Is Owen Thomas mentally unstable? Has Owen Thomas plagiarized or invented facts? The answer to all of those, in case you were curious, is no.

And so out comes the chief of reporters' red pen.

The one specific claim Musk made about my reputation was that I had written that he was broke. Not true. If you review the story I reported on his personal finances and their impact on Tesla, you'll see I merely quoted Musk's own words from his divorce filing, in which he said that he "ran out of cash."

When VentureBeat first started raising questions about Musk's personal finances, his expensive divorce case, and the impact they might have on Tesla's IPO, a Tesla spokesman initially said that the company had no plans to update its IPO prospectus to reflect our reporting. However, in the end, Tesla updated its SEC filings to acknowledge substantially all of the concerns we raised as potential risk factors investors should consider.

That is the ultimate correction of the record, and it stands today.



Musk's personal spending

There are other whoppers in Musk's piece, such as the suggestion that of the $200,000 per month he's spending, a mere $30,000 a month is going to his own personal household expenses, with the rest going to legal fees in his divorce case. Actually, the figure he told a court is $98,023 a month, according to filings in that case, including $50,000 a month in rent.



The founding of Tesla Motors

An aside to Musk: Making false statements is something the law frowns on.

Oh, but wait, Musk should already know that. He and I met in San Francisco in 2008 for drinks, and over the course of the evening, he made several disparaging remarks about Tesla Motors cofounder Martin Eberhard's management of the company before Musk had ousted him as CEO -- specifically, Musk alleged, for misrepresenting the cost of making the Tesla Roadster. In 2009, Eberhard sued Musk for defamation, citing the comments Musk had made to me, among others. Musk filed a scathing response to the lawsuit, repeating many of his negative claims about Eberhard.

Then it headed to mediation, and the case was settled. Eberhard's lawyer declared himself "very pleased" with the result, and Tesla issued a press release in which Musk said that Eberhard had been "indispensable" to the company in its early days.

The safety of customers' deposits

When Tesla's finances were at their most perilous, in the winter of 2008 and spring of 2009, the company was dependent on advance reservation payments from customers for cash flow. The company's cash balance had run down to $9 million, and the company was struggling to raise $40 million in convertible debt. (He announced that that round had closed in November 2008, while in fact, according to Tesla's SEC filings, it did not close until March 2009.) To raise funds in the meantime, Tesla began taking deposits on the Model S sedan, even though that car was far from production, and continued taking deposits on Roadsters. Musk first told customers that he would personally guarantee the deposits they were placing, "even in the worst case of an Armageddon scenario." Then he said that their deposits were completely at risk and they could lose all their money. One of those statements had to be false.



Musk's history as an entrepreneur

In persuading other investors to back Tesla Motors, Musk has frequently traded on his past success as an entrepreneur at companies like Zip2 and PayPal. But Zip2 was so troubled that one of its venture capitalists, Derek Proudian, had to step in as acting CEO, a move rarely seen at venture-backed companies. And Musk was ousted as CEO of PayPal by his own management team. To this day, Musk tells a version of PayPal's history that few who were there at the time agree with.



Tesla's investors

Most dangerously, Musk has repeatedly made misrepresentations about Tesla's finances. In February 2009, he sent a letter to customers saying that Tesla would start getting funds from a Department of Energy loan in four to five months. In fact, it had not received the loan at that point and there was no certainty it would get it, a point a Tesla spokeswoman had to clarify. (Tricky, that, saying your CEO had misrepresented the facts without calling him a liar.)

He also said Tesla would turn profitable in 2009. Of course, it didn't, as the company's published financials later revealed. (Musk later claimed, using questionable accounting whose details have never been revealed, that the company had been profitable for one month of the year.)

In an interview for the May 2009 issue of Car and Driver, he told that magazine's readers that General Electric had become an investor. It hadn't, and it never did, according to Andy Katell, a GE spokesman who spoke with me at the time.

The Toyota deal

After unveiling an agreement to buy the NUMMI plant in Fremont, Calif., from the Toyota-backed joint venture which owned it, Musk claimed that Tesla and Toyota planned to jointly develop several models of cars and build them at NUMMI. It's true that he got Toyota CEO Akio Toyoda to stand next to him and make grand promises. But in fact, as the company later revealed in its SEC filings, Tesla and Toyota had no agreement to develop any cars, and there was no guarantee that they ever would.

The pity of it all is this: I don't believe Musk twists the truth out of malice. Rather, at this point, it may well be out of habit. He's so used to getting his way that future possibilities just seem like present realities to him. And pragmatically, it's worked. Whenever Tesla has been in a bind, Musk has spun his way out of trouble.

It's a character trait of which elements are found among many successful entrepreneurs: the compelling presentation of an alternate reality in the hopes that so many people will sign on to the vision that it comes true. Apple CEO Steve Jobs, for example, is so masterful at this that people speak of his reality distortion field. But Musk may have taken distortion to extremes.

The question now is whether Musk's past habits will serve him well as the CEO of a publicly traded company. Already, it seems the investors who have entrusted Musk with hundreds of millions of dollars are having doubts. With shares of Tesla having already fallen by nearly half since their post-IPO pop, perhaps Musk's bubble is finally deflating.

But those who are still sticking with the company should ask themselves this: Has Tesla adequately disclosed to investors the risk of its CEO's curious relationship with the truth?

Originally posted at VentureBeat.

As you’ll read tomorrow (or Monday), I’ve entered a new phase in my life. After years of hard work and long hours building this blog (time that I’ve enjoyed), I’ve been shifting things around so that I have more free time. As a result, I’m going to have more time to devote to creating quality blog posts, instead of rushing around at the last minute looking for something to write about.

Because of this, it’s time yet again to take requests. I do this about once a year, and it’s a great way to get a feel for what GRS readers are interested in. I’d be grateful if you’d take the time to leave a comment below with topic suggestions or article requests. It doesn’t matter if we’ve covered the subject in the past. If you’d like me (or one of the other GRS staff) to write about it, let me know.

Have there been too many articles about credit cards? Too few articles about credit cards? Would you like to know more about individual savings accounts? Do you like the articles about the psychology of spending? Would it be helpful to have somebody come in to explain insurance concepts in plain English? Should I try to persuade my wife to share more of her recipes now and then? Let me know what you’d like to read about!

While you’re all providing feedback about the site, here are a few recent articles of note:

Over at The Simple Dollar, Trent and his readers had a thoughtful discussion about the obligations of wealth. “I think there is some inherent distrust of the rich in the mainstream of American society,” Trent writes as he describes how a wealthy person can keep from alienating his friends. There’s so much to say about this topic; I’m tempted to write an entire article about it.

GRS reader Steven writes a blog called Hundred Goals, which is about achieving your goals while managing your finances. After Sierra’s post this morning about travel, he dropped me a line to let me know that he has a recent article about how to have a great vacation.

Speaking of vacation, my pal Jason over at No Credit Needed spent time compiling day-use fees and free days for state parks across the United States. Handy page to bookmark!

And here’s more travel! At The Art of Non-Conformity, my good friend Chris Guillebeau has posted a beginner’s guide to travel hacking. I’ve been asking him to share this info for a long time; now I’ve got to take responsibility to use the knowledge he’s shared.

Finally, I’ve been giving a lot of interviews lately. I’m much more comfortable with these than I used to be. (They used to scare me to death!) Some examples:

• Colleen from The Frisky interviewed me about how to save money even when you’re living paycheck to paycheck. This is a tough quandary, something I’m asked about a lot.




• In an interview with BeFrugal, I discuss frugality, happiness, and conscious spending. (Note: “the ballot” should be “the balance” — I must have mumbled.)




• Jeff Rose at Good Financial Cents also interviewed me. This interview is very much about the process of writing a book, which may or may not interest you.




• I also spoke with Beverly Harzog from Card Ratings. We chatted about credit cards, of course, but also about other aspects of personal finance.




• Finally, USA Weekend has a short piece on how to give your 401(k) a midyear check, for which author Richard Eisenberg interviewed me back in May. This is a perfect example of how much work goes into even a small newspaper article. Eisenberg spent 20-30 minutes on the phone with me, and I’m sure he did the same with the other folks he quotes. Plus, I’ll bet he spent a lot of time writing. I wouldn’t be surprised if there were 4-6 hours in this small piece.

Okay, one last thing before I go. Tim pointed me to a two-year-old New York Times series about the debt trap, which includes an interactive infographic showing average household debt loads over the past century.

That’s enough links for today. Please do leave a comment with topic requests or other feedback. Meanwhile, it’s time for me to go do some yardwork…

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Organizing your personal finances can be a headache. There are several reasons a person might not wish to organize their personal finances: they may fear what they will uncover, they may have a rather large pile on the desk of bills, receipts and statements or they might just feel overwhelmed with the idea of categorizing all of the different bills they have. Organizing and managing your personal finances is the first step to financial freedom.

Here is one way that will help you understand how to organize all of your finances.

Begin by gathering all of the statements, bills and other paperwork that might be sitting on your desk. Get it all together so that you can begin going through all of it. This may seem overwhelming at first, but once you set up your method of organization, it will go quickly.

Now, you should buy a file cabinet or a small filing bin. Purchase one that allows you to use hanging folders. Then, pick up some manila folders to put in these filing folders. Make sure you have at least 10 hanging folders and enough manila folders to cover all of your accounts.

Label your hanging folders with the following categories:

Credit Card Debt
Insurance
Loans 
Utilities
Housing
Investments
Retirement
Tax Information
Credit Reports

Now, it is time to sort this out. Each of these folders will contain manila envelopes as follows:

Credit Card Debt - make one manila folder per credit card. Hopefully you have been diligent in paying your credit card debt down, but if not you will want to label your each credit card name in RED pen. This will make them stand out, and will remind you to take care of this bill as soon as possible. The danger of credit card debt is a whole other topic! Now, with each folder having a credit card name on it, place any related statements into these folders. You now should have a place for each piece of credit card related mail. Keep only the essential things, privacy statements, rate increases and monthly statements to keep the file nice and tidy.

Insurance - In this hanging file you should include manila folders labeled: home/renter’s insurance, car insurance, life insurance, medical insurance, and dental insurance. Place statements, bills or policy paperwork into the appropriate folders. This will likely be a hefty sized folder since many insurance companies send lengthy policy notices.

Loans - This hanging file will include such items as student loans, car loans, personal loans or other loans you might owe. It should not include your mortgage loan, as this is included in the housing file. If you have decided to have loan payments directly deposited from your bank account, place this paperwork in the files also as it will help if you need to go back to change the amount.

Utilities – This hanging file is pretty basic. It will include utility bills such as water, energy, heat and sewage. In this folder you should also include items like cable, internet and phone. This will be the folder in which you keep everything related to running your apartment/home.

Housing – This is the folder to use for your mortgage loan, or any paperwork you may have regarding an apartment you are leasing. Be sure to put your lease paperwork, including the lease you signed in this folder. It will be easily accessible if there is a problem with your apartment. If you own a home this is a good place to put a folder for repairs or remodeling. If you keep track of your expenses you may be able to use this information for tax purposes when you sell your home.

Investments – This folder should contain information about any checking, savings or investment accounts you may own. You should make a separate manila folder for each bank account you have, and each separate investment. Be sure to place bank statements in these folders monthly.

Retirement – Any information you have for a 401K, IRA or other retirement documents should be in this folder. If you have more than one retirement plan, be sure to make a separate folder for each of these as well.

Tax Information - Keeping your tax returns from year to year is essential. Label folders starting with the most recent tax year all the way back to when you first began filing taxes. Give each year it’s own folder to keep things nicely organized. You should make a folder for tax deductible receipts as well. This will come in handy when it is time to do your taxes and itemize your deductions.

Credit Reports – The Fair Credit Reporting Act now mandates that you can receive free credit reports, up to 3 per year. Check out this site: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm  You should run this regularly and keep them on file. This is something that you can refer back to as well to see how your credit is improving.

So that is it! That is how easy it is to organize your personal finances. Now, the key is to manage them. When you pay your bills, be sure to make it a habit to file away the statements or any other information you receive in the mail. Keeping up with filing will change your financial life and will make the overall picture much clearer for you. You will find that after you do this, it is much easier to sort though your files and knowing what you owe is much clearer.






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Apple iPhone 4 <b>News</b>: Apple Sets Up Cots For Engineers Solving Flaw

At Apple Inc., "working our butts off" means cots in the engineering department and cars in the parking lot at all hours of the night. Seeking a solution to the antenna flaw that is dropping calls for some iPhone 4 users, ...

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Spectral science <b>news</b>

These are my links for July 15th from 12:27 to 12:32: Herpes invasion - There are eight herpes viruses ...

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budgeting personal finances

What a fantastic basic concept.

Hitler lost the second world war because he attacked Russia too soon. udervise ve vood all be speeking Deutsch now.

We employed the alternative massively effective budgetting tool.

Be a self employed Engineer for 15 years with take home pay of £50K a year and spend it all (and more besides, because ‘I want one of those NOW’) because ‘my jobs safe’.

Watch as the banks destroy the worlds finances.

Suddenly realise that over 90% of British industry is ultimately owned by Japanese investment banks, who suddenly have no money to fulfill their legal obligations to complete legislation driven improvment projects.

Watch as my £50K a year take home falls to ZERO.

Start a brand new business with Kleeneze (sorry not available in the USA) Which although it’s building really well is , after all, a business and needs time.

Suddenly HAVE to live on £18K a year GROSS.

Best Motivation for re-inventing your budget that anyone can have LOL.

We used to spend about £1,000 a month on groceries, now we spend around £300 a month, AND we eat more healthily.

Fortunately the finance on my car ended a month after our income disappeared saving us £375 a month.

We’ve sold my wifes’ car (THAT hurt) it was a really nice car, but it was costing us £489 a month in finance.

We’ve moved to a cheaper house saving us £400 a month in rent.

We’ve cancelled everything that wasn’t absolutely essential - including SKY and the TV license (It’s true, you don’t die if you turn the telly off!)

We still have creditors who we’re negotiating reduced payments and frozen interest with, but basically we are starting again from scratch.

We won’t fall into the credit trap again

Certainly not in the next six years or more ‘cos no-one in their right mind will give us credit now anyway!!

The one thing that keeps coming back to me though is

WHY aren’t our schools teaching kids how to budget? It’s a thousand times more important than even the basics.

Who cares if you can’t spell budgit if you can make one and stick to it.

It CAN’T be one of the things that are left to parents because nobody ever taught us!

Back to subject,

Your article is brilliant and if it helps one person (which I’m sure it already has) to get out or stay out of debt then you’ve done a service to humanity.

Keep it up &

we’ll see you

OVER the top

Five Best Personal Money Management Sites

Web-based financial management tools have grown in sophistication to the point where many people manage their entire financial lives with online tools. Here's a look at five of the most popular personal money management sites.

Photo a mashup of images by Leonardini and Wilton.

Earlier this week we asked you to share your favorite personal money management site; now we're back to highlight the five most popular contenders.

Click on the screenshots below to take a closer look.

Buxfer (Basic: Free, Premium: From $2.79/month)

Many people are hesitant to use online banking services because of security concerns. Buxfer's compromise to provide ease of use while also assuring users and keeping things as controlled as they would like is to offer multiple methods for storing your credentials. You can manually synchronize your financial accounts with the site, you can store your passwords and login credentials locally using Google Gears, Firefox, or Safari, or you can use the Firebux Firefox extension—Firebux helps you automate the process of downloading financial data from your banking institutions and reviewing Buxfer data. If you'd like to skip the hassle of handling your own syncing, Buxfer offers automatic nightly syncing of your financial data, automatically logging into and pulling data from your various online money portals. Buxfer comes in three flavors: Basic (free), Plus ($2.79 per month), and Pro ($3.79 per month). All accounts include features like split bills, automatic tagging, and mobile access, but you'll pay a premium for unlimited budgets, bill reminders, and balance projections. You can try a live demo of Buxfer here.

Yodlee MoneyCenter (Free)

As many readers were quick to point out, Yodlee provides the guts to the user sites for hundreds of banking and financial services. Organizations like Mint, Thrive, and large banks like Chase use rebranded but Yodlee-powered interfaces. Yodlee users will often characterize Yodlee as similar to Mint, but without such a strong emphasis on flashy graphics. Instead it focuses more on analyzing your raw data—transaction descriptions, for example, are easier to search and more detailed. Yodlee can import data from thousands of institutions, help you generate a budget, automate your bill paying, and send out user-defined alerts. If you like the idea of a site like Mint but want more fine-grained control and the ability to manually tweak things when necessary, Yodlee is a solid alternative.

Mint (Free)

Mint has risen to prominence as a major player among web-based financial management tools by putting an extreme emphasis on user-friendliness and automation. The focus on automation is so strong, in fact, they only recently added the ability to add in any sort of manual transactions. By providing Mint with your various logins, you can track all your financial accounts in one place—checking, savings, credit cards, investments—and easily generate budgets and projections based off your data. Mint has won many people over, especially in the younger demographic, by being the first tool they've used to really get a good look at their money and where it's going.

ClearCheckbook (Basic: Free, Premium: $4/month)

ClearCheckbook is a web-based checking account ledger on steroids. You can track your spending, input your daily expenses from the web-interface or from your iPhone, Android, or Palm, and generate a budget with spending limits. Upgrading to a premium account gets you a custom report tool, custom transaction fields, future balance projection, and editing of the auto-suggest feature. Visit ClearCheckbook at the link above to check out the video tours of both the free and premium accounts—available at the bottom of the main page.

Mvelopes ($39.60/quarter)

Mvelopes is a robust web-based financial tool built on the old principle of budgeting with envelopes—each budget category gets an envelope with a set amount of money. Its focus on an old budgeting technique, however, doesn't mean you're stuck with dated tools. Mvelopes automatically pulls transaction data from hundreds of financial institutions, supports automatic bill payment, and helps you generate snapshots of your net worth as you adjust your budget and goals. Mvelopes is notable for being the only contender in the Hive without a free account option, a testament perhaps to how happy people are with the service that it made an appearance in the top five despite the lack of free-as-in-beer option.

Now that you've had a chance to look over the top five contenders for best personal money management sites, it's time to cast a vote for your favorite:

Have a favorite web-based tool that didn't get a nod or want to talk up your favorite a bit more? Let's hear it in the comments. Have an idea for the next Hive Five? Send us an email at tips@lifehacker.com with "Hive Five" in the subject line and we'll do our best to get your idea the attention it deserves.

Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.

mike fuljenz mike fuljenz mike fuljenz mike fuljenz mike fuljenz mike fuljenz

Eric Boehlert: When Does Fox <b>News</b>&#39; Ugly Race Baiting Become The Story?

The conservative movement is now wallowing in the kind of unapologetic race-baiting that mainstream American politics hasn't seen in decades, if not generations.

BREAKING <b>NEWS</b>: &#39;Barefoot Bandit&#39; Waives Extradition, Returning To <b>...</b>

Colton Harris-Moore -- better known as the 'Barefoot Bandit ' -- waived extradition before a federal judge in Miami, Florida on Friday, and is headed back to his home state of Washington, RadarOnline.com has learned.

Stabroek <b>News</b> - Deal signed in Shanghai for Amaila

Good News but: 1) strange that the Minister went to Parliament to give info.! I mean, as he said, the Pres. is in China. So one figure this was a staged reporting exercise OR, Norway demanded this report to PArliament ...

foreclosure search

A reader writes:

As a budding scientist who has been involved in the HIV field, it is rather frustrating to see media reports of the latest breakthrough in research without a full understanding of the findings and their significance (not that the medical establishment is not complicit … we put out these press releases in order to justify continued research money).  As you are well aware, the field had been fraught with repeated false hopes and, after more than two decades of trying, we are no closer to a preventative vaccine than when we first started.

These findings today do not really change this fact.  The same group has previously described another such neutralizing antibody but have been unsuccessful in their attempts to elicit this response in other individuals (this is the premise of a vaccine).  The very fact that the vast majority of people fail to mount a significant immune response against the virus (unlike we do to most other pathogens) suggests that a vaccine may not even be possible in the first place.  Pharmaceutical therapy, for better or worse, will remain our best response to this disease for the foreseeable future. 

That being said, without any signs of the disease abating, research like this cannot be discounted.  Just don’t expect results any time soon.

I don't. The Dish has long been dismissive of the search for a vaccine against HIV, but this did seem like a positive development. Another writes:

Thanks for that piece of news, Andrew. It actually brought tears to my eyes. I keep forgetting how much we suppress those hopes for a cure, then I read something like that and there's this flame, this glimmer of promise and I'm suddenly in tears. We forget how much that hope for a cure means to us, and how much we've pushed it aside and filed it away.

Right now I'm in this perfect storm of unemployment, heathcare crisis and AIDS.

Since I am, according to some, too lazy or drug-addled to find work, I've had to choose between my COBRA payments and my med copays and Dr. visits. I chose my COBRA payments for fear of that dreaded insurance lapse that would kick in pre-existing exclusions and not getting that all important certificate of coverage for my next (hopefully) job. Since I actually have a home (not sure for how long) and not totally homeless and destitute (yet) I don't qualify for a lot of help. Even if I did now, the state of GA, like many states, now have a Ryan White waiting list to get meds. Even my discount med cards from the drug companies didn't help enough to make them affordable.

So I'm waiting, waiting, waiting - so much has to fall into place, IF I can get a job in the next month or so, and IF they have good benefits, and IF the timing is just right, I might just be able to keep my insurance and go back on my life-saving meds. IF in the next month or so, I don't, I"m hitting several walls, my unemployment running out, my COBRA ending, foreclosure, bankruptcy. That's hoping too that after almost a year off my meds now, that I'm not blindsided by some totally preventable HIV related disease that would put me in the hospital and suddenly make any hope of this turning out well fly right out the window.

I have an older brother who is a wealthy retired executive from Philips, and very much a ditto head. They can't see giving me money since they would just be "enabling" me and keeping me from really looking a job (yes he really said that, almost a verbatim FOX talking talking point). Being a Christian though he did help me rewrite my resume. He keeps saying "just get private insurance" and even "just start my own company" but he hasn't a clue. With my meds running at $10,000 a month and having HIV/AIDS, I'm uninsurable through private health insurance, he doesn't understand that and almost refuses to believe it.

To address a lot of the current bashing of the unemployed: I'm a sharp hard working guy. I had the highest SAT scores in my class, I was pre-med at Wake Forest, two years ago I was making almost $60,000 a year, running an entire print production facility and doing it well. I've worked in consulting firms, F500 marketing departments, I have a killer resume. Yet...

So thanks again for that article. I do still hope. I've been in this crisis from the beginning, HIV+ back before there was even a test or a known cause. I had a partner who was only months ahead of me in progression, yet for every new drug that he just missed being able to take advantage of, I was able to. So our paths that at one time seemed to be almost lockstep veered apart and he died some 20 years ago and I'm still kicking around (I hope). I would just be crushed though that after living the miracle that being a 20+ year long-term survivor entails, that because of seemingly mundane things like a job and health insurance it might all be for nothing.

A reader writes:

As a budding scientist who has been involved in the HIV field, it is rather frustrating to see media reports of the latest breakthrough in research without a full understanding of the findings and their significance (not that the medical establishment is not complicit … we put out these press releases in order to justify continued research money).  As you are well aware, the field had been fraught with repeated false hopes and, after more than two decades of trying, we are no closer to a preventative vaccine than when we first started.

These findings today do not really change this fact.  The same group has previously described another such neutralizing antibody but have been unsuccessful in their attempts to elicit this response in other individuals (this is the premise of a vaccine).  The very fact that the vast majority of people fail to mount a significant immune response against the virus (unlike we do to most other pathogens) suggests that a vaccine may not even be possible in the first place.  Pharmaceutical therapy, for better or worse, will remain our best response to this disease for the foreseeable future. 

That being said, without any signs of the disease abating, research like this cannot be discounted.  Just don’t expect results any time soon.

I don't. The Dish has long been dismissive of the search for a vaccine against HIV, but this did seem like a positive development. Another writes:

Thanks for that piece of news, Andrew. It actually brought tears to my eyes. I keep forgetting how much we suppress those hopes for a cure, then I read something like that and there's this flame, this glimmer of promise and I'm suddenly in tears. We forget how much that hope for a cure means to us, and how much we've pushed it aside and filed it away.

Right now I'm in this perfect storm of unemployment, heathcare crisis and AIDS.

Since I am, according to some, too lazy or drug-addled to find work, I've had to choose between my COBRA payments and my med copays and Dr. visits. I chose my COBRA payments for fear of that dreaded insurance lapse that would kick in pre-existing exclusions and not getting that all important certificate of coverage for my next (hopefully) job. Since I actually have a home (not sure for how long) and not totally homeless and destitute (yet) I don't qualify for a lot of help. Even if I did now, the state of GA, like many states, now have a Ryan White waiting list to get meds. Even my discount med cards from the drug companies didn't help enough to make them affordable.

So I'm waiting, waiting, waiting - so much has to fall into place, IF I can get a job in the next month or so, and IF they have good benefits, and IF the timing is just right, I might just be able to keep my insurance and go back on my life-saving meds. IF in the next month or so, I don't, I"m hitting several walls, my unemployment running out, my COBRA ending, foreclosure, bankruptcy. That's hoping too that after almost a year off my meds now, that I'm not blindsided by some totally preventable HIV related disease that would put me in the hospital and suddenly make any hope of this turning out well fly right out the window.

I have an older brother who is a wealthy retired executive from Philips, and very much a ditto head. They can't see giving me money since they would just be "enabling" me and keeping me from really looking a job (yes he really said that, almost a verbatim FOX talking talking point). Being a Christian though he did help me rewrite my resume. He keeps saying "just get private insurance" and even "just start my own company" but he hasn't a clue. With my meds running at $10,000 a month and having HIV/AIDS, I'm uninsurable through private health insurance, he doesn't understand that and almost refuses to believe it.

To address a lot of the current bashing of the unemployed: I'm a sharp hard working guy. I had the highest SAT scores in my class, I was pre-med at Wake Forest, two years ago I was making almost $60,000 a year, running an entire print production facility and doing it well. I've worked in consulting firms, F500 marketing departments, I have a killer resume. Yet...

So thanks again for that article. I do still hope. I've been in this crisis from the beginning, HIV+ back before there was even a test or a known cause. I had a partner who was only months ahead of me in progression, yet for every new drug that he just missed being able to take advantage of, I was able to. So our paths that at one time seemed to be almost lockstep veered apart and he died some 20 years ago and I'm still kicking around (I hope). I would just be crushed though that after living the miracle that being a 20+ year long-term survivor entails, that because of seemingly mundane things like a job and health insurance it might all be for nothing.

synchronous

Washington Post buys personalised <b>news</b> site iCurrent | Media <b>...</b>

The Washington Post Co (NYSE: WPO) has made a small acquisition, buying up personalised news site iCurrent, we have confirmed. By Joseph Tartakoff.

AVP console patches &quot;scrapped&quot; <b>News</b> - Page 1 | Eurogamer.net

I really believe that a decent patch would attract and encourage more people to play, even buy it at the reduced price it is now. Of course the worst thing is, this news comes less than a week after the latest map-pack was released. ...

EMMYS: PBS, &#39;60 Minutes&#39; Dominate <b>News</b> and Docu Emmy Noms; Jailed <b>...</b>

PBS once again leads the News and Documentary Emmy nominations announced today with 37 noms, followed by CBS with 31 noms, including 16 for venerable newsmagazine 60 Minutes, the most nominated program by a mile; HBO (20); ...