Thursday 30 December 2010

foreclosure homes

Ash was in the middle of working out a loan modification when this happened. “This is in essence a burglary,” Ash remarked. The bank took her late husband’s ashes.


But it doesn't look like there's going to be any concerted effort to fix any of these problems -- if the Fed has its way anyway:
Top policymakers at the Federal Reserve are fighting efforts to rein in widely reported bank abuses, sparking an inter-agency feud with the FDIC and the Treasury Department. The Fed, along with the more bank-friendly Office of the Comptroller of the Currency, is resisting moves to craft rules cracking down on banks that charge illegal fees and carry out improper foreclosures. The FDIC supports such rules, according to an FDIC official involved in the dispute.

The new regulations would rein in debt collection, loan modification and foreclosure proceedings at bank divisions called "mortgage servicers." Servicers have committed widespread fraud in the foreclosure process. While the recent robo-signing of fraudulent documents has received the most attention, consumer advocates have complained about improper fees and servicer mistakes that lead to foreclosure for years.

"Given that we've seen a massive failure in servicing practices and a massive failure to address servicing in an honest way, I think this is important," says Joshua Rosner, a managing director at Graham Fisher & Co., and longtime critic of the U.S. mortgage system.

Last week, the National Consumer Law Center and the National Association of Consumer Advocates published a survey of 96 foreclosure attorneys from around the country, attesting that servicers have pushed 2,500 of their clients into the foreclosure process, even as the borrowers were negotiating loan modifications with the same servicers.

The Fed is run by bankers, after all ...

I think this story tells itself. But if you haven't been following the details I highly recommend dday's coverage on this over the past few months if you want to catch up. It's an astonishing story.

Meanwhile, the wonks at Naked Capitalism have put together a petition to ask the regulators to do their jobs.

As readers may know, the banking industry is trying to prevent the FDIC from moving forward with its proposed reforms on securitizations and is also attacking related SEC reforms, namely amendments to Rule A/B.

To further the effort to curb servicer abuses, please visit the website, StopServicerScams, and sign the petition. As we have written, and as experts and foreclosure defense lawyers have reported in Congressional testimony, and as pending lawsuits by attorneys general in Arizona and Nevada allege, servicer abuses are a significant cause of foreclosures. These include including delaying and misapplying payments, using false hopes of pending mods to extract more payments from consumers, and applying compounding junk fees.

We will submit the signed petition in early January. Thanks for your support in this important effort.


.





Annual Holiday Fundraiser going on right now. If you can help support the blog, I appreciate it. Cheers!




|









(Newser)

Amid wrongful foreclosures and screwy paperwork, banks have been breaking into homes whose owners still occupy them, a flurry of lawsuits argues. Owners have returned home to find the locks changed and their property—from laptops to old photos to the ashes of a loved one—missing, the New York Times reports. In some cases, banks mistakenly think homes have been abandoned; most mortgages contain a clause letting banks enter abandoned homes to secure the property.



In other cases, mortgage payments are up to date, but the banks, apparently confused, enter anyway. Banks say these mistakes happen in only a tiny portion of a huge number of cases. But “volume is not an excuse for violating someone’s rights,” says a law expert. “This is in essence a burglary,” said one victim who sued a bank for breaking into her chalet and emptying it of her belongings.







surface encounters complaints surface encounters surface encounters review surface encounters review surface encounters complaints surface encounters review surface encounters rock tops surface encounters complaints surface encounters rock tops surface encounters rock tops surface encounters complaints surface encounters surface encounters complaints surface encounters review surface encounters complaints surface encounters rock tops surface encounters surface encounters review surface encounters review surface encounters complaints

Fox <b>News</b>, Hypocrisy, And “Politically Correct” Journalism

My earlier post about Megyn Kelly's absurd equation of illegal immigration and rape in a discussion about changes to the Associated Press Style Guide.

Keith Olbermann: &#39;Fox <b>News</b> Is 100% Bullshit&#39;

Keith Olbermann is anything but hesitant when it comes to a battle with Fox News, and the MSNBC anchor took to Twitter Wednesday to share his views on the TV network he probably wouldn't even call a rival.

Stubborn Joblessness Among Vets Darkens US Economy - AOL <b>News</b>

The newly reported drop in jobless claims belies continued rough going for America's Iraq and Afghanistan war veterans, who are experiencing 10 percent unemployment.


surface encounters complaints surface encounters rock tops surface encounters review surface encounters complaints surface encounters review surface encounters rock tops surface encounters surface encounters complaints surface encounters review surface encounters complaints surface encounters surface encounters rock tops surface encounters rock tops surface encounters review surface encounters review surface encounters review surface encounters review

Tuesday 28 December 2010

Making Money in Wotlk


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.

Fair &amp; Balanced? Fox <b>News</b>&#39; Big Year (VIDEOS) | TPM LiveWire

From lecturing President Barack Obama on racial sensitivity to inflating threats of terror, Fox News offered more than a few journalistic lessons this year. Fox's ratings continued to top the other major cable networks, while its news ...

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.

Fair &amp; Balanced? Fox <b>News</b>&#39; Big Year (VIDEOS) | TPM LiveWire

From lecturing President Barack Obama on racial sensitivity to inflating threats of terror, Fox News offered more than a few journalistic lessons this year. Fox's ratings continued to top the other major cable networks, while its news ...

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.

Fair &amp; Balanced? Fox <b>News</b>&#39; Big Year (VIDEOS) | TPM LiveWire

From lecturing President Barack Obama on racial sensitivity to inflating threats of terror, Fox News offered more than a few journalistic lessons this year. Fox's ratings continued to top the other major cable networks, while its news ...

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.

Fair &amp; Balanced? Fox <b>News</b>&#39; Big Year (VIDEOS) | TPM LiveWire

From lecturing President Barack Obama on racial sensitivity to inflating threats of terror, Fox News offered more than a few journalistic lessons this year. Fox's ratings continued to top the other major cable networks, while its news ...

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.

Fair &amp; Balanced? Fox <b>News</b>&#39; Big Year (VIDEOS) | TPM LiveWire

From lecturing President Barack Obama on racial sensitivity to inflating threats of terror, Fox News offered more than a few journalistic lessons this year. Fox's ratings continued to top the other major cable networks, while its news ...

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.

Fair &amp; Balanced? Fox <b>News</b>&#39; Big Year (VIDEOS) | TPM LiveWire

From lecturing President Barack Obama on racial sensitivity to inflating threats of terror, Fox News offered more than a few journalistic lessons this year. Fox's ratings continued to top the other major cable networks, while its news ...

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.

Fair &amp; Balanced? Fox <b>News</b>&#39; Big Year (VIDEOS) | TPM LiveWire

From lecturing President Barack Obama on racial sensitivity to inflating threats of terror, Fox News offered more than a few journalistic lessons this year. Fox's ratings continued to top the other major cable networks, while its news ...

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.

Fair &amp; Balanced? Fox <b>News</b>&#39; Big Year (VIDEOS) | TPM LiveWire

From lecturing President Barack Obama on racial sensitivity to inflating threats of terror, Fox News offered more than a few journalistic lessons this year. Fox's ratings continued to top the other major cable networks, while its news ...

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.

Fair &amp; Balanced? Fox <b>News</b>&#39; Big Year (VIDEOS) | TPM LiveWire

From lecturing President Barack Obama on racial sensitivity to inflating threats of terror, Fox News offered more than a few journalistic lessons this year. Fox's ratings continued to top the other major cable networks, while its news ...

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.

Fair &amp; Balanced? Fox <b>News</b>&#39; Big Year (VIDEOS) | TPM LiveWire

From lecturing President Barack Obama on racial sensitivity to inflating threats of terror, Fox News offered more than a few journalistic lessons this year. Fox's ratings continued to top the other major cable networks, while its news ...

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.

Fair &amp; Balanced? Fox <b>News</b>&#39; Big Year (VIDEOS) | TPM LiveWire

From lecturing President Barack Obama on racial sensitivity to inflating threats of terror, Fox News offered more than a few journalistic lessons this year. Fox's ratings continued to top the other major cable networks, while its news ...

Phila. Gay <b>News</b> Editor On Elton John: &#39;Couldn&#39;t Find A Better <b>...</b>

After struggling to adopt for years, one of music's most influential men is now a dad. Sir Elton John and his partner, David Furnish, now have a son, born to a surrogate in California on Christmas Day.


bench craft company scam

Thursday 23 December 2010

foreclosure statistics


It is hard to not laugh out loud at the amazing stupidity of those who say "It's Different Here".

Please consider 'Low-doc' home borrowers hit by rising rates

A new report shows a sharp increase in the number of 'low-doc' borrowers struggling to keep up with their mortgage repayments as interest rates rise.

Adjusted for loans that passed from being in arrears to being settled because the property was sold, the percentage of prime loans more than 90 days in arrears increased from 1.33 per cent in the June quarter to 1.37 per cent in the three months to the end of September.

However, Fitch says self-employed borrowers have been hit hard, which has pushed arrears among prime low documentation loans to a record 3.97 per cent - slightly higher than the previous peak of mortgage delinquencies in this segment reached during the peak of the financial crisis in the December quarter of 2008.

The associate director in Fitch's structured finance team James Zanesi says higher mortgage repayments appear to be hitting the self-employed sector much harder than employees.

"The three consecutive cash rate hikes ending in May 2010 modestly affected Australian prime mortgage performance in the third quarter of 2010. Households have demonstrated some stability in spite of the higher mortgage payments," he said.

The very worst performance in the September quarter continued to be amongst the closest equivalent Australia has to subprime loans - 'low-doc, non-conforming' borrowers.

The arrears rate amongst this group was 18.94 per cent, although it makes up a relatively tiny proportion of Australian mortgages.
Progression of Rot

Australia is starting to get hit hard but the important word in this sentence is starting. Rot starts at the edges and the outside periphery (subprime and low-doc), then spreads to the core.

The party is now over as I mentioned in Partied Out: A Recap of Australia's Now Imploding Housing Bubble; Property Bull Offers Jeremy Grantham $100m Housing bet, Party is Not Over

US Graphs, Statistics

Here is a nice set of US stats and graphs from the LPS Mortgage Monitor: October 2010 “Dashboard” that depicts where Australia will eventually head.

Total Delinquencies



Delinquencies remain about 2.7 times historical average, foreclosure inventories are 7.4 times and rising.




October Month-End Data: Conclusions

  • Foreclosure inventories continue to grow, the rise in delinquencies remains subdued as a result.
  • Accelerated foreclosure activity has led to a rapid decline in agency delinquencies. Foreclosure inventories have risen dramatically as a result.
  • Most western states have experienced a decline in the total 30 day and foreclosure inventory over the last six months.
  • The issue of current loans going delinquent remains, however more and more sixty day defaults are repeats.
  • Modification dominated seriously delinquent cures have declined over the last several months but still remain elevated.
  • More six and 12 month delinquent loans are moving to foreclosure, but the extremely delinquent category continues to grow.
  • Foreclosure sales dropped sharply, down 35 percent nationwide. Impact was across all investor categories.
  • Origination activity continues to accelerate with the government percentage declining. High quality lending is yielding the best vintage performance in years.

The housing rot in OZ has just started and it's a long way to the core. But it will get there. Australia can look forward to similar stats in years to come.

Mike "Mish" Shedlock
http://globaleconomicanalysis.blogspot.com
Click Here To Scroll Thru My Recent Post List



In his book, Thompson's search for the American dream ends at the burned-out husk of a former nightclub, a fitting metaphor for a city that went from the fastest-growing to the most-foreclosed city in America in the space of a year. As our article and its accompanying video document, today more than 80% of Vegas mortgages are underwater, and empty or abandoned home pepper the city.

Sunshine and Stricken Suburbs

Vegas is hardly the only region whose housing sector fed on dreams. In Florida, the third-most foreclosed state, dreams have fed the area's growth ever since Ponce de Leon ventured there in search of the fountain of youth. Our piece from Florida explores a different kind of dream: an uncompleted "Italian resort themed" suburban neighborhood that's now filled with cows. In order to save on taxes in the now-unprofitable real estate venture, the area's developer had the area reclassified as farmland and moved in livestock. As for the people who live there, the swanky neighborhood they signed on for is now a barbed-wire bonanza.

And dreams continue to be deferred across the country. In Modesto, Calif., Todd Lappin documents empty streets, hastily boarded-up windows and stagnant swimming pools in the fourth most foreclosed state. With his images of rusting barbecues, overgrown yards and abandoned homes, Lappin sketches a near-apocalyptic landscape, the scattered leavings of a once-posh suburban development.

Meanwhile, a promising development in Vickery, Ga., has started transforming into a money pit. To the dismay of the area's residents, the bankruptcy of Vickery's developer and rising foreclosures have sent neighborhood fees through the roof, even as property values have tumbled. As the author notes, it's unclear if the bucolic neighborhood will ever recoup its lost property values.

Small-Town Destitution

One doesn't have to travel to a sun-kissed wonderland to find a dream that came crashing down. As David Schepp documents in "The Housing Mess Hits One New York Town Hard," Mount Vernon, a scruffy suburb of New York City has also watched its property values plummet. With a majority African-American and Hispanic populace, the working-class city was heavy targeted by subprime lenders, a factor that helps explain why prices have fallen by 37% across the city and by as much as 72% in some neighborhoods.


bench craft company scam

Path adds Video Moments | iLounge <b>News</b>

iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.

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.


bench craft company scam

Path adds Video Moments | iLounge <b>News</b>

iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.

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.


bench craft company scam

Path adds Video Moments | iLounge <b>News</b>

iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.

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.


bench craft company scam

Path adds Video Moments | iLounge <b>News</b>

iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.

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.


bench craft company scam

Path adds Video Moments | iLounge <b>News</b>

iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.

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.


bench craft company scam

Path adds Video Moments | iLounge <b>News</b>

iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.

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.


bench craft company scam

Path adds Video Moments | iLounge <b>News</b>

iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.

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.


bench craft company scam

Path adds Video Moments | iLounge <b>News</b>

iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.

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.


bench craft company scam

Path adds Video Moments | iLounge <b>News</b>

iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.

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.


bench craft company scam

Path adds Video Moments | iLounge <b>News</b>

iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.

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.


bench craft company scam

Path adds Video Moments | iLounge <b>News</b>

iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.

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.


bench craft company scam

Wednesday 8 December 2010

budgeting personal finances




Automate Your Finances to Spend Less Time Managing Your Accounts





Despite how simple the process can be, most of us are terrible at saving and paying bills. Here's a strategy to effectively automate most of your finances to keep you saving and out of late fee trouble.

Ramit Sethi of I Will Teach You To Be Rich.com has put together a system for managing your personal finances that only takes about an hour of your time each week. The video above fully explains the process in detail, but here's the gist. First, you want to set up your bills and other payments so they're all happening on the day you get your first paycheck of the month (the first of the month for most people). Once you have that in place, you want to set up automatic savings plans (Sethi suggests using Ing Direct) with sub-savings accounts that let you organize your savings into specific categories (vacation, wedding, etc.). You'll also want to send a percentage of your paycheck to your 401k, and have all of this happen immediately so that the money you see when you get paid is the money left when everything has already been saved. From there, you automatically pay as many bills as you can with your credit card (and then pay the credit card bill on pay day). For the bills you can't pay with your credit card (like rent, in most cases), you can use your online banking to automatically issue a check. This will leave a little money leftover in your checking account that you can use to budget for guilt-free spending and cash withdrawals.


As someone who's often fallen victim to the faults of automatic payments systems (despite frequently using them), definitely do not forget to stay on top of your bills nonetheless. Make sure you set some time aside at least once a month to do a little maintenance and make sure there are no bugs causing your automated finance system to break down. Sethi isn't suggesting a set-it-and-forget-it automated finance system by any means, but as someone who hates paying bills I know how easy it can be to procrastinate and ignore the task. If you set up a good automated system like this one, you'll be at a point where all you have to do is watch and fix the occasional problem as the most important things are being taken care of for you.





Consumerist Budget Spreadsheet Balances Your Money, Encourages Your Nest Egg





The saving-savvy folks at The Consumerist blog have put together a template Excel spreadsheet for managing personal finances. It's the kind of thing you always say you're going to do, but they went ahead and did it for you, and it's free.

It's not a new thing, but Consumerist's budget spreadsheet, crafted during the days the site was one of our blog network brethren, has come back, after being lost to the vagaries of server maintenance. The site has instructions on setting it up, including tips on thinking through your monthly expenses and advice on how much you should plan on socking away for a rainy day, retirement, and other expenses.


Maybe you use Mint or another automated spending/saving tracker instead—but then again, maybe those tools are so automatic that you don't get a good look at your real money situation.



bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


bench craft company scam

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

Pryor to support ending &#39;&#39;Don&#39;t Ask, Don&#39;t Tell&#39; | Arkansas <b>News</b>

By Peter Urban Stephens Washington Bureau. WASHINGTON – Arkansas Sen. Mark Pryor today said he has reversed his position and will now support repeal of the Pentagon's “Don't Ask, Don't Tell” policy that has kept gays and lesbians from ...


Tuesday 7 December 2010

Ways of Making Money

After their victory in the Napoleonic Wars, the victors -- the Brits and the Prussians and their hangers-on -- demanded an indemnity of 700,000,000 francs from the defeated French. Newly installed Louis XVIII and his courtiers didn't have a clue what to do. But Paris investment banker Gabriel-Julien Ouvrard had an idea. Don't borrow from the rich in France with a compulsory loan, he said. Don't raise taxes. Float a bond issue in London and borrow the money from the victors. Everyone thought the guy was crazy. But he wasn't. British banker Barings and Amsterdam banker Hope & Co. were happy to syndicate a loan for the French in the city. The bond issue sold out, and the prices of French rentes went up. Everyone made lots of money, and best of all, Louis XVIII got himself and the French people out of a jam so they could go on to lose three wars to the Germans in less than a century.


Just over a year ago, Rochester’s Democrat and Chronicle launched an ambitious Alternate Reality Game (ARG) called Picture the Impossible. The seven-week game was a collaboration with the Lab for Social Computing at the Rochester Institute of Technology, and it built web, print, and real-life challenges over a fictional storyline designed to connect players with with Rochester’s history. Participants were divided into three teams that competed against each other to earn money for three local charities. The players completed a scavenger hunt in a local cemetery, created recipes for a cooking contest focused on local ingredients, and earned points each week for both web-based games like jigsaw puzzles and print newspaper challenges like assembling a mystery photo. The game concluded with a Halloween costume party for the top players.



Over 2,500 people signed up for the game in all, and it attracted a highly engaged core of about 600 people, including members of the young professional demographic that the Democrat and Chronicle had been most hoping to attract. But running an ARG was also very resource-intensive. I talked with Traci Bauer, the Democrat and Chronicle’s managing editor for content and digital platforms, about what the paper learned from Picture the Impossible, and how they are building social gaming into the paper’s day-to-day operations.


Picture the Impossible emerged through a collaboration between Bauer and RIT professor Elizabeth Lane Lawley. It was funded through sweat equity from both organizations and a donation from a local charity and Microsoft Bing. (Kodak, which is based in Rochester, provided cameras and printers as weekly prizes.)


The game attracted players of all ages, including families, students brought in through RIT, and plenty of Baby Boomers. (“They’re easy,” Bauer said. “Boomers do everything.”) Two-thirds of the players were women. The most important strengths of the game were the collaborative team structure and the focus on earning money for charity. Team spirit was high on the message boards for the three different “factions,” and players strategized ways to maximize their weekly point totals. The scavenger hunts and real-life games (some powered by the text-messaging/smartphone app SCVNGR) were popular, as was the cooking competition, which brought in 104 entrants. When I spoke with Bauer and Lawley last year, they had also been very excited about the way the game used the print paper as a physical element of play.


Bauer said the newspaper had learned enough from the collaboration that the experiment would have been worthwhile even if the game flopped. It didn’t.


“The beauty of it wasn’t in the volume of players, but in the amount of time that they spent in the game,” Bauer said. “In the end we had 62 minutes on-site per unique, and that’s compared to 30-35 minutes on our core sites.”


Bauer came out of the project believing that the news industry needs to harness gaming strategies. “There’s something in there, for sure,” she said.


Her goal is for the Democrat and Chronicle to always have some kind of social gaming presence. When Picture the Impossible closed last Halloween, “I wanted to quickly get another initiative out there,” Bauer said. “I hate when you build something and it’s a success and you put it up on a shelf and don’t pay attention to it for years.”


The problem was that Picture the Impossible had taken a huge amount of time and resources. The newspaper’s collaboration with RIT had ended, and the pressures of making social gaming a normal part of newspaper operations meant figuring out a more pared-down, sustainable model.


For the Democrat and Chronicle, that has meant abandoning the Alternate Reality Game model, with its fictional storyline that united the different elements of the game and propelled it forward. As a news organization, Bauer said, creating fictional scenarios didn’t really fit with their mission. It also meant fewer real-life challenges, even though they were very popular with players. RIT had been “instrumental” in making those in-person activities work. “It’s not what we’re really good at, organizing baking contests and things like that,” Bauer said. “It wasn’t what we’re about.”


This time around, the Democrat and Chronicle’s new social gaming project, score!, is focused around one of the newspaper’s core activities: political coverage. Launched in June, score! focuses on the November elections, and consists mainly of politically-themed web games and quizzes. One new game, Headline Hopper, has players propel little politicians through a landscape of quotes, Mario Brothers-style.


As in Picture the Impossible, players accumulate points and earn money for charity, and the profiles of score! players note whether they participated in Picture the Impossible, to build continuity between the two games.


This time, Bauer said, they thought the team loyalty that had powered Picture the Impossible would be formed around political parties, the Democrats competing with the Republicans. But that team structure flopped when only four Republicans signed up. As a result, Bauer said, they’ve mostly abandoned the team focus. The in-person component of score! has also been scaled back; players can get “stalker” points for snapping photographs of politicians at local events, but Bauer said the challenge hasn’t really taken off. Part of the problem is that candidates are unpredictable, so it’s hard to get information about possible stalker events until the very last minute.


The election focus has been one of the strengths of score!, in part because it gives the game a natural theme that’s easy to build content around, and in part because the games build on the status that comes along with being well-informed about politics — and with having other people know that you are.


“In the forums they talk about how much they’ve learned about the election, and how they feel like smarter voters because of it,” Bauer said.


Players now need to log in to the game through Facebook, which has generated about a dozen complaints from people who can’t play — not enough to be a real concern. And the benefit of the Facebook platform is that it allows players to compare their scores with friends.


Like Picture the Impossible, Bauer said that the 2,300 score! players fall into three tiers: a smaller group of 250 hardcore players, a middle tier of casual players, and then the remainder — who scored a few points and then didn’t come back.


“That’s really our target, is the causal player,” Bauer said.


One of the biggest challenges of running games when you’re not a full-time gaming company is negotiating the relationship with the hardcore players versus the larger group of more casual ones. The most devoted players are also the ones who post the most complaints on forums and Facebook. “We have to keep reminding each other as a team this is an initiative that is going to be constant on our site, and we can’t wear ourselves out catering to five people,” Bauer said.


At the same time, those small number of hardcore players are responsible for a lot of the games’ energy. “That’s where the conundrum is,” Bauer said. “We owe all of our success to those kinds of people.”


When score! ends, Bauer will evaluate the game’s analytics to see which parts of it generated enough engagement to make the time invested in it worthwhile, and continue to think about how to automate parts of the game to make it more sustainable. The next game will debut sometime early in the winter, Bauer said, and it may involve competition between players in Rochester and other cities.


So far, the Democrat and Chronicle is the only Gannett paper to implement a major gaming initiative, Bauer said. She said this was disappointing, but not surprising, since the success of Picture the Impossible didn’t translate into a bump in revenue. (Unlike Picture the Impossible, score! has advertising on its site.) As much as she believes in making social gaming part of a newspaper’s toolbox, Bauer said, “it certainly doesn’t produce a lot of revenue, and until it does, it’s not going to get a lot of attention.”




allbench craft company rip off

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



allbench craft company rip off

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



bench craft company rip off product

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



bench craft company rip off operation

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



free testosterone booster patches

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



advertising enlargement

After their victory in the Napoleonic Wars, the victors -- the Brits and the Prussians and their hangers-on -- demanded an indemnity of 700,000,000 francs from the defeated French. Newly installed Louis XVIII and his courtiers didn't have a clue what to do. But Paris investment banker Gabriel-Julien Ouvrard had an idea. Don't borrow from the rich in France with a compulsory loan, he said. Don't raise taxes. Float a bond issue in London and borrow the money from the victors. Everyone thought the guy was crazy. But he wasn't. British banker Barings and Amsterdam banker Hope & Co. were happy to syndicate a loan for the French in the city. The bond issue sold out, and the prices of French rentes went up. Everyone made lots of money, and best of all, Louis XVIII got himself and the French people out of a jam so they could go on to lose three wars to the Germans in less than a century.


Just over a year ago, Rochester’s Democrat and Chronicle launched an ambitious Alternate Reality Game (ARG) called Picture the Impossible. The seven-week game was a collaboration with the Lab for Social Computing at the Rochester Institute of Technology, and it built web, print, and real-life challenges over a fictional storyline designed to connect players with with Rochester’s history. Participants were divided into three teams that competed against each other to earn money for three local charities. The players completed a scavenger hunt in a local cemetery, created recipes for a cooking contest focused on local ingredients, and earned points each week for both web-based games like jigsaw puzzles and print newspaper challenges like assembling a mystery photo. The game concluded with a Halloween costume party for the top players.



Over 2,500 people signed up for the game in all, and it attracted a highly engaged core of about 600 people, including members of the young professional demographic that the Democrat and Chronicle had been most hoping to attract. But running an ARG was also very resource-intensive. I talked with Traci Bauer, the Democrat and Chronicle’s managing editor for content and digital platforms, about what the paper learned from Picture the Impossible, and how they are building social gaming into the paper’s day-to-day operations.


Picture the Impossible emerged through a collaboration between Bauer and RIT professor Elizabeth Lane Lawley. It was funded through sweat equity from both organizations and a donation from a local charity and Microsoft Bing. (Kodak, which is based in Rochester, provided cameras and printers as weekly prizes.)


The game attracted players of all ages, including families, students brought in through RIT, and plenty of Baby Boomers. (“They’re easy,” Bauer said. “Boomers do everything.”) Two-thirds of the players were women. The most important strengths of the game were the collaborative team structure and the focus on earning money for charity. Team spirit was high on the message boards for the three different “factions,” and players strategized ways to maximize their weekly point totals. The scavenger hunts and real-life games (some powered by the text-messaging/smartphone app SCVNGR) were popular, as was the cooking competition, which brought in 104 entrants. When I spoke with Bauer and Lawley last year, they had also been very excited about the way the game used the print paper as a physical element of play.


Bauer said the newspaper had learned enough from the collaboration that the experiment would have been worthwhile even if the game flopped. It didn’t.


“The beauty of it wasn’t in the volume of players, but in the amount of time that they spent in the game,” Bauer said. “In the end we had 62 minutes on-site per unique, and that’s compared to 30-35 minutes on our core sites.”


Bauer came out of the project believing that the news industry needs to harness gaming strategies. “There’s something in there, for sure,” she said.


Her goal is for the Democrat and Chronicle to always have some kind of social gaming presence. When Picture the Impossible closed last Halloween, “I wanted to quickly get another initiative out there,” Bauer said. “I hate when you build something and it’s a success and you put it up on a shelf and don’t pay attention to it for years.”


The problem was that Picture the Impossible had taken a huge amount of time and resources. The newspaper’s collaboration with RIT had ended, and the pressures of making social gaming a normal part of newspaper operations meant figuring out a more pared-down, sustainable model.


For the Democrat and Chronicle, that has meant abandoning the Alternate Reality Game model, with its fictional storyline that united the different elements of the game and propelled it forward. As a news organization, Bauer said, creating fictional scenarios didn’t really fit with their mission. It also meant fewer real-life challenges, even though they were very popular with players. RIT had been “instrumental” in making those in-person activities work. “It’s not what we’re really good at, organizing baking contests and things like that,” Bauer said. “It wasn’t what we’re about.”


This time around, the Democrat and Chronicle’s new social gaming project, score!, is focused around one of the newspaper’s core activities: political coverage. Launched in June, score! focuses on the November elections, and consists mainly of politically-themed web games and quizzes. One new game, Headline Hopper, has players propel little politicians through a landscape of quotes, Mario Brothers-style.


As in Picture the Impossible, players accumulate points and earn money for charity, and the profiles of score! players note whether they participated in Picture the Impossible, to build continuity between the two games.


This time, Bauer said, they thought the team loyalty that had powered Picture the Impossible would be formed around political parties, the Democrats competing with the Republicans. But that team structure flopped when only four Republicans signed up. As a result, Bauer said, they’ve mostly abandoned the team focus. The in-person component of score! has also been scaled back; players can get “stalker” points for snapping photographs of politicians at local events, but Bauer said the challenge hasn’t really taken off. Part of the problem is that candidates are unpredictable, so it’s hard to get information about possible stalker events until the very last minute.


The election focus has been one of the strengths of score!, in part because it gives the game a natural theme that’s easy to build content around, and in part because the games build on the status that comes along with being well-informed about politics — and with having other people know that you are.


“In the forums they talk about how much they’ve learned about the election, and how they feel like smarter voters because of it,” Bauer said.


Players now need to log in to the game through Facebook, which has generated about a dozen complaints from people who can’t play — not enough to be a real concern. And the benefit of the Facebook platform is that it allows players to compare their scores with friends.


Like Picture the Impossible, Bauer said that the 2,300 score! players fall into three tiers: a smaller group of 250 hardcore players, a middle tier of casual players, and then the remainder — who scored a few points and then didn’t come back.


“That’s really our target, is the causal player,” Bauer said.


One of the biggest challenges of running games when you’re not a full-time gaming company is negotiating the relationship with the hardcore players versus the larger group of more casual ones. The most devoted players are also the ones who post the most complaints on forums and Facebook. “We have to keep reminding each other as a team this is an initiative that is going to be constant on our site, and we can’t wear ourselves out catering to five people,” Bauer said.


At the same time, those small number of hardcore players are responsible for a lot of the games’ energy. “That’s where the conundrum is,” Bauer said. “We owe all of our success to those kinds of people.”


When score! ends, Bauer will evaluate the game’s analytics to see which parts of it generated enough engagement to make the time invested in it worthwhile, and continue to think about how to automate parts of the game to make it more sustainable. The next game will debut sometime early in the winter, Bauer said, and it may involve competition between players in Rochester and other cities.


So far, the Democrat and Chronicle is the only Gannett paper to implement a major gaming initiative, Bauer said. She said this was disappointing, but not surprising, since the success of Picture the Impossible didn’t translate into a bump in revenue. (Unlike Picture the Impossible, score! has advertising on its site.) As much as she believes in making social gaming part of a newspaper’s toolbox, Bauer said, “it certainly doesn’t produce a lot of revenue, and until it does, it’s not going to get a lot of attention.”




bench craft company rip off pumps

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



roaringtiger.com

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



allbench craft company rip off

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



bench craft company rip off pills

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



natural bench craft company rip off

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



bench craft company rip off exersizes

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



advertising enlargement drugs

After their victory in the Napoleonic Wars, the victors -- the Brits and the Prussians and their hangers-on -- demanded an indemnity of 700,000,000 francs from the defeated French. Newly installed Louis XVIII and his courtiers didn't have a clue what to do. But Paris investment banker Gabriel-Julien Ouvrard had an idea. Don't borrow from the rich in France with a compulsory loan, he said. Don't raise taxes. Float a bond issue in London and borrow the money from the victors. Everyone thought the guy was crazy. But he wasn't. British banker Barings and Amsterdam banker Hope & Co. were happy to syndicate a loan for the French in the city. The bond issue sold out, and the prices of French rentes went up. Everyone made lots of money, and best of all, Louis XVIII got himself and the French people out of a jam so they could go on to lose three wars to the Germans in less than a century.


Just over a year ago, Rochester’s Democrat and Chronicle launched an ambitious Alternate Reality Game (ARG) called Picture the Impossible. The seven-week game was a collaboration with the Lab for Social Computing at the Rochester Institute of Technology, and it built web, print, and real-life challenges over a fictional storyline designed to connect players with with Rochester’s history. Participants were divided into three teams that competed against each other to earn money for three local charities. The players completed a scavenger hunt in a local cemetery, created recipes for a cooking contest focused on local ingredients, and earned points each week for both web-based games like jigsaw puzzles and print newspaper challenges like assembling a mystery photo. The game concluded with a Halloween costume party for the top players.



Over 2,500 people signed up for the game in all, and it attracted a highly engaged core of about 600 people, including members of the young professional demographic that the Democrat and Chronicle had been most hoping to attract. But running an ARG was also very resource-intensive. I talked with Traci Bauer, the Democrat and Chronicle’s managing editor for content and digital platforms, about what the paper learned from Picture the Impossible, and how they are building social gaming into the paper’s day-to-day operations.


Picture the Impossible emerged through a collaboration between Bauer and RIT professor Elizabeth Lane Lawley. It was funded through sweat equity from both organizations and a donation from a local charity and Microsoft Bing. (Kodak, which is based in Rochester, provided cameras and printers as weekly prizes.)


The game attracted players of all ages, including families, students brought in through RIT, and plenty of Baby Boomers. (“They’re easy,” Bauer said. “Boomers do everything.”) Two-thirds of the players were women. The most important strengths of the game were the collaborative team structure and the focus on earning money for charity. Team spirit was high on the message boards for the three different “factions,” and players strategized ways to maximize their weekly point totals. The scavenger hunts and real-life games (some powered by the text-messaging/smartphone app SCVNGR) were popular, as was the cooking competition, which brought in 104 entrants. When I spoke with Bauer and Lawley last year, they had also been very excited about the way the game used the print paper as a physical element of play.


Bauer said the newspaper had learned enough from the collaboration that the experiment would have been worthwhile even if the game flopped. It didn’t.


“The beauty of it wasn’t in the volume of players, but in the amount of time that they spent in the game,” Bauer said. “In the end we had 62 minutes on-site per unique, and that’s compared to 30-35 minutes on our core sites.”


Bauer came out of the project believing that the news industry needs to harness gaming strategies. “There’s something in there, for sure,” she said.


Her goal is for the Democrat and Chronicle to always have some kind of social gaming presence. When Picture the Impossible closed last Halloween, “I wanted to quickly get another initiative out there,” Bauer said. “I hate when you build something and it’s a success and you put it up on a shelf and don’t pay attention to it for years.”


The problem was that Picture the Impossible had taken a huge amount of time and resources. The newspaper’s collaboration with RIT had ended, and the pressures of making social gaming a normal part of newspaper operations meant figuring out a more pared-down, sustainable model.


For the Democrat and Chronicle, that has meant abandoning the Alternate Reality Game model, with its fictional storyline that united the different elements of the game and propelled it forward. As a news organization, Bauer said, creating fictional scenarios didn’t really fit with their mission. It also meant fewer real-life challenges, even though they were very popular with players. RIT had been “instrumental” in making those in-person activities work. “It’s not what we’re really good at, organizing baking contests and things like that,” Bauer said. “It wasn’t what we’re about.”


This time around, the Democrat and Chronicle’s new social gaming project, score!, is focused around one of the newspaper’s core activities: political coverage. Launched in June, score! focuses on the November elections, and consists mainly of politically-themed web games and quizzes. One new game, Headline Hopper, has players propel little politicians through a landscape of quotes, Mario Brothers-style.


As in Picture the Impossible, players accumulate points and earn money for charity, and the profiles of score! players note whether they participated in Picture the Impossible, to build continuity between the two games.


This time, Bauer said, they thought the team loyalty that had powered Picture the Impossible would be formed around political parties, the Democrats competing with the Republicans. But that team structure flopped when only four Republicans signed up. As a result, Bauer said, they’ve mostly abandoned the team focus. The in-person component of score! has also been scaled back; players can get “stalker” points for snapping photographs of politicians at local events, but Bauer said the challenge hasn’t really taken off. Part of the problem is that candidates are unpredictable, so it’s hard to get information about possible stalker events until the very last minute.


The election focus has been one of the strengths of score!, in part because it gives the game a natural theme that’s easy to build content around, and in part because the games build on the status that comes along with being well-informed about politics — and with having other people know that you are.


“In the forums they talk about how much they’ve learned about the election, and how they feel like smarter voters because of it,” Bauer said.


Players now need to log in to the game through Facebook, which has generated about a dozen complaints from people who can’t play — not enough to be a real concern. And the benefit of the Facebook platform is that it allows players to compare their scores with friends.


Like Picture the Impossible, Bauer said that the 2,300 score! players fall into three tiers: a smaller group of 250 hardcore players, a middle tier of casual players, and then the remainder — who scored a few points and then didn’t come back.


“That’s really our target, is the causal player,” Bauer said.


One of the biggest challenges of running games when you’re not a full-time gaming company is negotiating the relationship with the hardcore players versus the larger group of more casual ones. The most devoted players are also the ones who post the most complaints on forums and Facebook. “We have to keep reminding each other as a team this is an initiative that is going to be constant on our site, and we can’t wear ourselves out catering to five people,” Bauer said.


At the same time, those small number of hardcore players are responsible for a lot of the games’ energy. “That’s where the conundrum is,” Bauer said. “We owe all of our success to those kinds of people.”


When score! ends, Bauer will evaluate the game’s analytics to see which parts of it generated enough engagement to make the time invested in it worthwhile, and continue to think about how to automate parts of the game to make it more sustainable. The next game will debut sometime early in the winter, Bauer said, and it may involve competition between players in Rochester and other cities.


So far, the Democrat and Chronicle is the only Gannett paper to implement a major gaming initiative, Bauer said. She said this was disappointing, but not surprising, since the success of Picture the Impossible didn’t translate into a bump in revenue. (Unlike Picture the Impossible, score! has advertising on its site.) As much as she believes in making social gaming part of a newspaper’s toolbox, Bauer said, “it certainly doesn’t produce a lot of revenue, and until it does, it’s not going to get a lot of attention.”




visit ddfghhdfxd.com visit ddfghhdfxd.com

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



pennis enlargement

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



visit ddfghhdfxd.com visit ddfghhdfxd.com

Obama Defends Decision To Extend Bush-Era Tax Cuts « CBS Los <b>...</b>

President Barack Obama on Tuesday staunchly defended his decision to compromise with Republicans and temporarily extend about-to-expire tax cuts for all Americans.

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Scripting <b>News</b>: My JSON River of <b>News</b>

My JSON River of News. By Dave Winer on Monday, December 06, 2010 at 9:45 PM. First a few preambles... Permanent link to this item in the archive. 1. I'm a big believer in the River of News style of feed reader. Reverse-chronologic. ...



free advertising enlargement exercise