Samandigrow

Friday, January 7, 2011

Making Money Tips

Mollie Vandor is the product manager for Ranker.com where she likes to make lists about reading, eating and bad-TV-watching. She’s also the media director for Girls in Tech LA. You can find her on Twitter @Mollierosev and on her blog.

Whether you’re looking to make a big change, or just tweak a few little things, the new year gives you the perfect opportunity to reflect on your behavior and resolve to do better going forward.

Of course, it’s one thing to say you want to tackle a typical resolution like get in better physical shape, get in better financial shape or — like many of us who work on the web — get your social media presence in order. It’s another thing to actually accomplish those big, broad goals.

So this year, instead of making your goals big and broad, why not take a page from the web world and use analytics to pinpoint the specific stuff you want to change? And, by that same token, why not use data tracking to hold yourself accountable for keeping all those resolutions too?

Read on for some tips on how to use social media to corral your New Year’s resolutions. Let us know in the comments below what tips worked for you, or share your own resolution advice.

Let’s Get Physical/>

There’s the freshman 15 everyone gains from collegiate pizza and beer, and then there’s the startup 15 many of us tech geeks gain from sodas and office snacks. Between the time spent sitting in front of a computer screen and the time spent networking over drinks and dinners, it’s easy to put on pounds when you work on the web. Of course, you can always try the startup diet, but that’s not necessarily going to work for everyone.

Keeping a food and exercise log might sound like a daunting task, but it turns out you may already be tracking some of that data without even knowing it. Foursquareclass="blippr-nobr">foursquare actually lets you see your entire checkin history and, if you do a quick search, you can find it so you can easily see whether you’ve really been going to the gym or frequenting your fast food runs.

Similarly, the Foursquare stats page lets you see your own checkin trends in handy graphs and lists. There’s even a site called weeplaces that lets you turn your Foursquare, Facebook Places and class='blippr-nobr'>Gowallaclass="blippr-nobr">Gowalla checkins into graphic visualizations. And, weeplaces will let you filter those visualizations by food-related checkins and parks and recreation checkins, so you can really get a handle on your history.

class='blippr-nobr'>Google Mapsclass="blippr-nobr">Google Maps also lets you search your own history, so can get a visual reminder of the places you’ve been searching for, and start picking up on trends in your own behavior. You just have to enable it. And, of course, there’s the age-old pedometer, made a lot easier and more fashionable via a host of iPhoneclass="blippr-nobr">iPhone and Androidclass="blippr-nobr">Android apps that let you easily track how much you’re walking without having to do anything more than a quick download.

Of course, once you establish the things you want to change about your eating and exercising habits, you still have to make those changes stick. class='blippr-nobr'>Appsclass="blippr-nobr">Apps like LoseIt, Weight Watchers and LiveStrong let you log calories you eat and calories you burn via your smartphone. Fitango prescribes personalized plans to help you get in shape, and gives you a forum for sharing milestones you meet with your friends. Similarly, Phitter is like a fitness-focused class='blippr-nobr'>Twitterclass="blippr-nobr">Twitter stream where people share weight loss trials, tribulations and tips to help keep each other going.

Or, you can try something like the Social Workout Challenge, which gives you fitness goals to meet and a community of people to keep you accountable for meeting them. If you really want to take your weight tracking to the next level, there’s even a scale that automatically tweets your weight to the world. While you’re at it, FixNixer and QuitMeter also give you similar tools for tracking your way out of a smoking habit, another great way to get yourself in better physical shape in the new year.

Money, Money, Money/>

For many people, the New Year is also a great time to get a fresh financial start. But again, it’s a lot easier to make changes going forward when you know how you’ve been behaving in the past. That’s where a site like Mint.com can be very handy. class='blippr-nobr'>Mintclass="blippr-nobr">Mint aggregates all of your various accounts, including credit cards, bank accounts and assets, and then turns your spending habits into easy-to-read charts and graphs that show you where you’re spending and where you could be saving. It even lets you compare your shopping and spending habits with other people in your area, so you can see how you stack up. Many credit cards, like American Express Blue and Visa Signature, also give you year-end spending summaries that show you how much you’ve spent, how much you’ve saved, how much interest you’ve accumulated and more.

Once you’ve nailed down how your money is going out the door, you can start figuring out ways to keep more of it in your wallet. Again, this is where tracking will be key to actually keeping those resolutions. First, you can establish your financial goals via an online calculator, which lets you figure out exactly how much to start saving. Once you’ve figured out your goals, there are more than 50 great, free mobile apps to help you track your spending. On Facebook, the BillMonk app will help you keep better track of those tricky situations where you’re sharing a bill with friends, and you need to make sure everyone knows what they owe. XPenser lets you record your expenses from any device, including via tweet and e-mail, and TweetWhatYouSpend gives you a forum for sharing your expenditures with everyone on Twitter, so your friends can help hold you accountable when you blow your budget shopping those post-holiday sales.

Get Your Social Media in Shape/>

Whether or not you work on the web, if you’re reading class='blippr-nobr'>Mashableclass="blippr-nobr">Mashable, chances are you have a social media presence. And, just like your physical and financial identities, your social media self might be due for a little makeover in 2011 too. The good news is that the data is even easier to find when you’re talking about your personal tech habits. For example, you can use the Top Words app to figure out the topics you talk about most on class='blippr-nobr'>Facebookclass="blippr-nobr">Facebook. Klout tells you which topics you talk about the most on Twitter, and all sorts of other stats that will help you pinpoint what it is about your social media presence that you may want to change.

Similarly, BackType analyzes your Twitter profile and tells you what percentage of your tweets are replies, retweets, links, etc. Like Klout, it also tells you who you’re influencing and who your influencers are. And, it shows you your most shared sites. All of these are great data points for determining things you’d like to change about your social media presence. Finally, ViralHeat gives you in-depth analysis of the sentiment around your various social network profiles, which really lets you hone in on how your social media behavior is being received by your followers on Facebook, Twitter and across the web.

Once you’ve established what you want to change, you can set up ViralHeat to send alerts and updates directly to your inbox so you can track the impact of those changes on the fly. Similarly, since Klout and BackType both update regularly now, you can see your statistics change as your behavior does, which is a great way to keep yourself motivated. And, of course, make sure you set up Google Alerts to track all the activity around your various accounts.

If your resolution involves blogging more often, there are plenty of apps to help you do that on the go, right from your phone. Another way to remind yourself of things you want to blog, tweet or post about is by using a service like TwittRemind, which lets you tweet yourself reminders to do things throughout the day.

To make the most of your many profiles, consider setting up a hub page via a service like about.meclass="blippr-nobr">about.me, which lets you showcase all your profiles in one place. Or, sign up for a social network aggregation service to make it easier to make changes on all your profiles at once. You also might want to consider setting up a targeted Twitter list of friends and followers who can help you hold yourself accountable and focus your social media efforts so you can minimize the number of relationships you’re managing and maximize the return you’re getting from all these changes.

New Year, New You/>

Whether your New Year’s resolutions involve getting yourself in better physical, financial or social media shape, the web can help you figure out exactly what you want to change and how you’re going to keep yourself accountable for changing it. 2011 is a brand new year and a completely fresh start, and, breaking your New Year’s resolutions is so 2010.

More Social Media Resources from Mashable:

- 10 More Creative Uses of the New Facebook Profile [PICS]/> - 10 Cool Facebook Status Tips and Tricks/> - 6 Reasons Why Social Games Are the Next Advertising Frontier/> - 3 Things Brands Must Do to Reach Millennials Online/> - How Social Media Can Help With Your Long Distance Job Search

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, DNY59

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What made this project so successful? After all, there are other iPod Nano projects. And it's a wristwatch, which even with the addition of a Nano, might not be the coolest or most necessary of accessories.

Bryce Roberts, the Managing Director of O'Reilly AlphaTech Ventures, points to some reasons he's identified that contributed to the success of the Lunatik/TikTok fundraising endeavor. These lessons that can be seen in other successful Kickstarter projects (such as Diaspora), but they're also applicable in many ways to more "traditional" funding efforts.

Tell a personal story

The Lunatik/TikTok "pitch" wasn't a bulleted list of qualifications or clients. Rather, the members of the team "told personal stories that created a connection to the project that had nothing to do with their professional pedigree." While this sort of storytelling doesn't boost their professional credentials, Roberts argues, it does give the entrepreneurs a certain personal authority and helps to connect them to funders and potential funders in a different way.

Roberts argues that the best fundraising pitches always emphasize this personal aspect. "It's a given," he writes, "that if I chose to invest in you I believe I can make money, but there are the intangibles around personality, perspectives, and life experiences that will make a potential funder more likely to want to believe you."

Tell the product's story

If you watch the TikTok video (below), you'll see the product is featured throughout. This demonstrates what the product can do - and that it can do what the startup promises. The video also demonstrates the larger potential of the product. These might be "small, nice little features" that some investors would dismiss. But with the crowdfunding model, the right storytelling around this seems crucial. "The difference between a nano strapped to a wristband and a premium quality, highly designed, customizable piece of wearable technology is simply a matter of how you tell the story."

But even when you aren't using a site like Kickstarter to raise money, it's crucial that your product be front-and-center in your presentations.

Give rewards and issue progress reports

Investors, by definition, invest in order to make a financial return. Nonetheless, argues Roberts, you should offer more than simply the promise of "making money." These sorts of non-financial rewards can be personal and personalized. By design, Kickstarter tells its users, "the best way to inspire support is to offer people great rewards. Everyone loves limited editions, one-of-a-kinds, and fun experiences (parties, screenings, balloon rides!). Spend some time brainstorming your rewards and people will respond. No one needs another coffee mug."

And as your project and your company are constantly evolving, it's good to keep investors and potential investors up-to-date on your progress. In the case of TikTok, the creators even filmed themselves in China when they traveled to the factory where the watch kits were being made. But the same could be said for all funding relationships; keep your investors apprised of "how you're making progress and how your story is continuing to unfold in a big and important way."

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Obama Calls Drop in Unemployment Rate 'Positive News,' Fills Out ...

President Obama today called the job numbers released this morning “positive news” but said there still is work to be done on the economy. The numbers showed a drop in the nation's unemployment rate to 9.4 percent in December.

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(KRQE NEWS 13) - As of 7:12 a.m. - The nation's unemployment rate dropped to 9.4 percent last month , its lowest level in 19 months. That was because more people found jobs, but also because some people gave up on their job searches. ...

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Thursday, January 6, 2011

bank foreclosure

Obviously for REO there will be two peaks. The first was in late 2008 and largely private-label securities and subprime, and the 2nd will probably be in 2011 and be heavily GSE REOs.

The height of the 2nd peak depends on the number of foreclosures, and the how quickly the lenders can sell the REOs. The foreclosure-gate related moratoriums have slowed the foreclosure process, but foreclosures will probably pick up again in early 2011. My guess is the 2nd peak will happen in 2011 and be close to the same height as in 2008.

One of the key issues is the number of delinquent loans (and loans in the foreclosure process). I use the Mortgage Bankers Association (MBA) quarterly data and LPS Applied Analytics monthly data to track delinquencies.

Click on graph for larger image in graph gallery.

This graph based on the MBA quarterly data shows the percent of loans delinquent by days past due. The MBA reported that 13.52 percent of mortgage loans were either one payment delinquent or in the foreclosure process in Q3 2010 (seasonally adjusted). This was down from 14.42 percent in Q2 2010.

Most of the decline in the overall delinquency rate was in the seriously delinquent categories (90+ days or in foreclosure process). Part of the reason is lenders were being more aggressive in foreclosing in Q3 (before the foreclosure pause) - hence the surge in REO inventory in the first graphs! Some of the decline was probably related to modifications too.

This graph provided by LPS Applied Analytics shows the percent delinquent, percent in foreclosure, and total non-current mortgages through November.

The percent in the foreclosure process is trending up because of the foreclosure moratoriums.

According to LPS, 9.02% of mortgages are delinquent (down from 9.29% in October), and another 4.08% are in the foreclosure process (up from 3.92% in October) for a total of 13.10%.

With falling house prices, the delinquency rate could start rising again since more homeowners will have negative equity. However just because a homeowner has negative equity doesn't mean they will default. It usually takes another factor such as loss of employment, divorce, or a medical emergency for the homeowner to default.

On the other hand, an improving labor market will help push down the delinquency rate. My guess is the overall delinquency rate has peaked, although I expect the delinquency rate to stay elevated for some time.

Ten Questions:

• Question #1 for 2011: House Prices

• Question #2 for 2011: Residential Investment

• Question #3 for 2011: Delinquencies and Distressed house sales

• Question #4 for 2011: U.S. Economic Growth

• Question #5 for 2011: Employment

• Question #6 for 2011: Unemployment Rate

• Question #7 for 2011: State and Local Governments

• Question #8 for 2011: Europe and the Euro

• Question #9 for 2011: Inflation

• Question #10 for 2011: Monetary Policy

We asked readers to sign a letter to Iowa attorney general Tom Miller, who is leading the 50 state probe into foreclosure and mortgage abuses. Here is the official report from National People’s Action, which was part of the group that met with Miller earlier today:

Leader of 50 State Foreclosure Probe Tells Struggling Homeowners: “We Will Put People in Jail”

Iowa’s Attorney General Miller also agreed that principal reductions, loan modifications, and compensation for defrauded homeowners are all on his agenda

The lead Attorney General in the 50-state foreclosure investigation, Iowa’s Tom Miller, told homeowners at risk of foreclosure today that he supports a settlement with the big banks that requires significant principal rate reductions, loan modifications, compensation for citizens defrauded of their homes, and criminal prosecutions against big bank executives who broke the law.

“We will put people in jail,” Miller said, in response to questioning. “One of the main tools needs to be principal reductions, just like in the farm crisis in the 1980s…There should be some kind of compensation system for people who have been harmed…And the foreclosure process should stop while loan modifications begin. To have a race between foreclosures and modifications to see which happens first is insane.”

Attorney General Tom Miller met Tuesday with more than 100 people from 15 states representing community, faith, and labor organizations, foreclosure victims and struggling homeowners from across the country. Participants urged Tom Miller to make a strong settlement that includes loan modification and principal reduction as the primary tools for cleaning up the mortgage mess created by the banks.

Miller also agreed to continue to work with grassroots community, faith, and labor groups from across the country and agreed that the Bank Accountability Campaign’s members are stakeholders who deserve a seat at the table.

“We are very pleased with how this meeting turned out and now our expectations are higher than ever,” said Deacon Mike McCarthy, an Iowa Citizens for Community Improvement (Iowa CCI) member from Des Moines, IA.

“Attorney General Miller made it clear that he sees this investigation as a chance to clean up the foreclosure crisis that has ransacked our communities for over three years now and continues to push down housing values for everyone. He stated that loan modifications will be a core component in any settlement,” said Gina Gates, a foreclosure victim with PACT-PICO in San Jose, California.

“The stakes are high. A strong settlement is the best hope to hold Wall Street banks accountable and prevent millions more Americans from losing their homes,” said Mikael Broadway, from IAF in North Carolina.

“The big banks have repeatedly weakened efforts to get to the root of the foreclosure crisis,” said Shirley Broomfield, a struggling homeowner from Melbourne, Florida who is working two jobs to pay her mortgage. “They’ve failed to live up to their promises and outright ignored the rules of the game, with little to no consequences. The Attorneys General have a chance to change this.”

This is the first of a series of similar meetings with the state Attorneys General who are on the investigation’s executive committee. Participants in the meeting included borrowers who have lost their homes unjustly, other homeowners in danger of foreclosure, clergy and community advocates from 15 states – including Iowa, California, Illinois, Washington, New York, Colorado, Ohio, North Carolina, Florida, Missouri, Massachusetts, Kansas, Michigan, Montana and Oregon. The participants presented a stack of homeowner testimonies to Mr. Miller and made it clear that this investigation is their best hope for resetting the housing market and helping millions avoid foreclosure.

The group is staging protests this afternoon at the Wells Fargo Home Mortgage headquarters in West Des Moines and at branch of Bank of America in Des Moines to highlight the massive bonuses that bank executives will receive this month while millions of homeowners face foreclosure. They plan to lift up a new report showing that restoring equity to underwater homeowners would cost the big banks $73 billion, approximately one-half this year’s bonus & compensation pool. Similar protests will take place this week in New York and California.

The growing activity from homeowner groups comes amidst a turbulent time for big banks, especially Bank of America, with both investor lawsuits and the Attorneys General investigation pending, and some analysts beginning to predict the eventual need to restructure America’s largest bank in 2011.

The meeting with AG Miller and other events this week are organized by PICO National Network, National People’s Action, SEIU, Alliance of Californians for Community Empowerment, Alliance for a Just Society, and IAF Southeast.

Yves here. This is certainly good news, since the public can hold Miller’s feet to the fire if he fails to live up to these commitments. One concern I have is that the standard for fraud under the law, as opposed to from a common-sense perspective, is stringent, which means it is extremely difficult to prove. Remember Joe Cassano of AIG, the head of AIG’s financial products group? An investigation of him did not lead to prosecution, effectively because he has discussed what he was up to with AIG’s accountants. Fraud, as defined under the law, requires intent. So perversely, “I thought this was kosher” will get you out of a fraud charge.

We have a short form discussion in ECONNED as to how various laws and regulations were weakened over the 1990s to make it very difficult to prosecute financial fraud successfully. You can find a full treatment in Frank Partnoy’s book Infectious Greed.

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'Friday Night Lights': The Bad News Lions - From Inside the Box ...

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.

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Wednesday, January 5, 2011

internet marketing

AdKeeper, the online advertising company led by About.com founder Scott Kurnit that lets consumers save online ads for later viewing, raised $35 million in Series B funding.

The round, led by Oak Investment Partners, comes as AdKeeper’s “Keep” button is set to roll out on online ads from AT&T, Best Buy, Ford and Gap on January 11, after a beta release in October. AdKeeper believes that consumers, although they profess to dislike ads, will actually save ads for later viewing if they find them entertaining or interesting. The company hopes “keeps” will become an ad metric along with impressions and clicks.

When interviewed by USA Today in November, Kurnit (pictured) said he wasn’t sure that consumers will actually save ads, though. “That’s the $64 billion question. If they do, then this is one of the top three or four class='blippr-nobr'>Internetclass="blippr-nobr">Internet companies ever,” he said, noting that research showed that 56% of Internet users want to save ads.

For his part, Ian Schafer, CEO of digital ad agency Deep Focus, says that AdKeeper could succeed if it offers some value to consumers. “If ad keeper equals coupon clipper scaled to the size of the Internet, then I’m bullish,” Schafer says. “If it’s ‘class='blippr-nobr'>Instapaperclass="blippr-nobr">instapaper for ads,’ then the odds of me ever going back to look at my portfolio of things that I (the consumer) generally would rather ignore are very slim.”

Oak, which has backed a range of companies including Caribou Coffee, Jamba Juice and The Huffington Post, joins current Investors Including DCM, True Ventures, Spark Capital and First Round Capital.

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We all know the Facebook story or at least saw the movie. A site for college kids to publish their pictures became an Internet phenomenon. But while grandma may now be posting what she ate for breakfast, the real revolution Facebook has created is for advertisers. Brands are salivating at the prospect of reaching the 500 million users who collectively spend over 700 billion minutes a month on Facebook.

In 2011 and beyond, Facebook will become one of the most important marketing channels in the world. Already, Facebook is on track to generate more than $2 billion in ad revenues in 2010, far surpassing earlier estimates of around $1 billion, and will likely skyrocket past that figure in 2011, as more marketers shift budgets from TV, radio, and print to the social realm. Proctor & Gamble got a head start on this move by recently announcing it would transfer the majority of its daytime TV advertising budget to social platforms like Facebook and Twitter.

And, it’s not just Facebook that’s having an impact on marketing. In fact, all social media – from Twitter and blogs, to forums and YouTube – is having a profound impact on how consumers interact, find products, get deals, shop, and get information. For marketers, that means social is no longer just a channel, but an integral part of a strategic marketing plan. Social media now impacts all of a brand’s marketing campaigns, with free viral “sharing” beginning to surpass paid marketing channels like search engine marketing, display, and print advertising at driving large audiences to campaign pages and brand websites.

To be sure, brands are already spending on social media marketing-– but 2011 will likely see a huge surge in investment into social as Facebook, Twitter, and all things social become increasingly measurable and ROI-focused. The investment in online advertising iw predicted to set a new record in 2011, growing 14 percent to $51.9 billion, up from $45.6 billion in 2010, according to Borell Associates. Two of the fastest-growing segments of online advertising are the local sector and social media.

So what will the social media marketing landscape look like in 2011? Here are four predictions based on our work with hundreds of top brands to measure, track, analyze their social media marketing programs.

Social media will kill the TV star – Okay, “kill” may be a stretch but did you know that more people play Farmville than watch daytime TV? A recent study by Deutsche Bank found that 7.5 million people tune into Oprah every day, whereas 43 million people play a Zynga game each day. In contrast to advertising on TV, targeted social media campaigns offer brands the ability to deliver relevant messages with precision to specific, highly engaged audiences –0 and present them with compelling offers and instantly-redeemable coupons.
In contrast to the “lean back” experience offered in front of the TV, social media brings brands and consumers closer together than ever before. TV watchers may see a brand flash before them on the screen, but game players may see an offer from your brand within a game they are playing, and be offered free game credits for taking a survey, referring a friend, or making an immediate in-game purchase of one of your products.

The Groupon effect is here to stay — Consumers today have a “deal mentality”. With the rise of daily deal sites like Groupon, flash sales sites like Gilt, and myriad coupon sites, consumers don’t want to buy a product unless they feel they’ve gotten a great deal on it. What’s more, customers now expect recognition and rewards for spreading the word about deals, discounts, and exclusive opportunities. They don’t just want a good deal, they want an even better deal for promoting deals to others!
Most brands now use Twitter and Facebook to publicize deals, and an increasing number are experimenting with Groupon and other deal sites, but future sales belong to marketers who not only publicize their promotions, but reward sharing in real-time so buyers have a strong incentive to spread the word and extend the reach of every campaign.

Mobile is social According to Facebook, there are more than 200 million active users currently accessing Facebook through their mobile devices, and these mobile users are twice as active as non-mobile users. With the emergence of location-based services like Foursquare and Facebook Places, the integration of social and mobile is growing ever stronger.
Today, not only are we constantly connected via our mobile devices, but as our friends discover content, deals, and discounts, they share them with us – spreading brand campaigns directly from phone-to-phone. People are beginning to expect that relevant content, including advertising, will reach them via the friends or contacts they trust. Some of the fastest-growing segments of mobile marketing include mobile coupons that customers can use by presenting a barcode on their phones to scanned at checkout; iPhone apps that allow price comparison, product searches, and immediate transactions; and Foursquare-type services that allow businesses to reward frequent store visitors with discounts and promotions. The best mobile marketing promotions and content are those that can be shared.

Sharing is the new search — While Google will continue to prosper in 2011, the role of “sharing” in how people discover information, deals, and products is changing how we search and what we search for. News finds us. Fun, entertaining content finds us. Deals and discounts find us.
In fact, from our own research across Meteor Solutions’ customers, we found that influencers –- those who share your campaigns across their social graph –- can directly influence 40 to 60 percent of all visits to an advertising campaign page. More and more, people will get product information through the social graph –- instead of directly from a brand advertiser. Search will remain the most efficient way for people to find something specific, but sharing will become the most efficient way for relevant, useful, and entertaining content to find us.

Marketers need to create campaigns that go beyond interrupting consumers with advertising, and create content that’s highly useful and easily shareable –- such as contests, deals, promotions, inside information, and product reviews. The social graph is creating effective ways for marketers to reach audiences at scale.

Social media is no longer just a way for consumers to waste a few minutes looking at funny cat photos. Today, Facebook and other social channels are becoming the way people interact with the larger world around them –- and brand marketers are going to make sure they’re not too late to the party.

Ben Straley is the CEO of Meteor Solutions, a company offering website tracking and content sharing tools to advertisers and publishers. He’s also the lead instructor for the University of Washington Certificate Program for Advanced Interactive Marketing. He can be reached at ben@meteorsolutions.com or @meteorsolutions.

Next Story: Winklevoss twins on Facebook lawsuit: It’s not about the money Previous Story: RunKeeper sprints to the top of the charts with fitness free promotion

employer online reputation management

New Edition of Huckleberry Finn to Drop N-Word: Instant Reactions

Auburn University professor Alan Gribben, along with NewSouth Books, plans to release a newly edited edition of the Mark Twain classic, with every instance of the N-word replaced with the word.

News Corp's Head Of Online Gaming Ditches for Facebook | The New ...

The head of online gaming at News Corp is moving to Facebook after just half a year, reports Kara Swisher at All Things D.Sean Ryan, once acting CEO of LiveJournal, was recruited to build an online gaming division at News Corp.

Pink Floyd Re-Signs With EMI: Good News for the Band or the Label?

Progressive rock legends Pink Floyd have re-signed with their longtime record label EMI.

Tuesday, January 4, 2011

Making Money System

Jeff Grabmeier reports on some interesting research from Ohio State’s Stephanie Moulton, which shows that borrowers with low incomes or bad credit are significantly less likely to default on their loans if they borrow from a local bank than if they borrow from a distant bank or mortgage company.

Moulton tells Grabmeier that “local banks seem to offer some protection to homebuyers, particularly those with low incomes who may be seen as risky borrowers”, and comes up with a few hypotheses as to why this might be:

Many mortgage brokers base their decisions on whether to offer a mortgage on one or more key numbers, such as a credit score. In other words, if your credit score is above a certain level, and you meet other criteria, the broker will offer the loan. The same may be true of large, non-local banks, Moulton said.

But local lenders may place more weight on other factors, such as how long you’ve been working for your current employer, and whether you make regular deposits in a savings account…

In addition, local bankers are more likely to have a continuing relationship with the borrower, through the checking and savings accounts held by the customer.

“If there’s a relationship, the borrower may feel more obligated to make their payments. And the banks may provide more education and information to the borrowers, equipping them to be better homeowners,” she said.

I think the relationship point here is absolutely key. With bank loans, the give-and-take is all very asymmetrical: the borrower gets a large sum of money up front, and then does nothing but send money back to the lender from then on in. The incentive to stop paying the money back is clear.

If the borrower has a personal relationship with the lender, however, things change — and not just because of formal education and information. Making mortgage or other loan payments is a painful chore, most of the time. But for some people it can be a happy, joyful thing: I’m buying my house! I’m getting out of debt! And it’s a lot easier to think that way if you have a human local banker who is helping you reach your goals.

When reading Grabmeier’s piece, I couldn’t help but be reminded of Maha Atal’s post about Andhra Pradesh. The problem in AP, she says, and in India generally, “is not profit or size; it’s geography”:

When Yunus first started making loans to the local poor, he was pushing back against an argument from banks that people in poverty weren’t credit-worthy, that they couldn’t understand the concept of credit and therefore couldn’t be expected to pay. There was something to that argument: credit is a learned thing, both a legal concept and a social one that emerged in the developed world over centuries, whose core component is the creation of a sense of obligation between two perfect strangers.

Dr. Yunus did not actually challenge this notion; rather he sought to get around it, by demonstrating that loans did not have to be made between perfect strangers. The essence of microlending as he devised it was not simply that the loans were small, or that the rates were friendly, or even that the group system created a culture of pressure to repay the lender. It was that the groups were self-formed, that the members already knew each other, and that the obligation to repay was constructed as an obligation to one’s peers. He did not teach them to be obligated to the creditor; he saw that they were obligated to one another…

In India, the community component of micro-lending has never been taken seriously. Both the MFIs and the SHGs rely on the national financial system, not on local capital, to get started. Neither is able to operate as a borrower-owned community bank. And so both structures take as an assumption that grouping borrowers together can lead them to feel obligated to a third party, even though that is precisely the opposite of what the Bangladesh success story showed. As the sector has expanded, the distance–physical and therefore social–between lender and borrower has expanded it with it, and it is that distance, not the size of the industry itself, that is the problem.

A loan from a friend, or someone we know, is always qualitatively different from a loan from a faceless corporation. If you’re a college-educated sophisticate moving fungible funds from one account to another, it’s easy to forget this, but come down to my local credit union on check day, when a lot of local residents receive their Social Security checks. All of them have the option of having the money paid automatically into their account, but there’s always a long line of people queuing up to deposit their check in person, with a human teller. And it stands to reason that, ceteris paribus, the people who do that are more likely to pay back one of our loans than someone hundreds of miles away who just gets a printed-out statement in the mail each month.

The spectrum from India’s poor to America’s rich is a continuous one, and U.S. subprime borrowers are somewhere in the middle when it comes to financial sophistication and trust in institutions. Similarly, successful subprime lenders tend to be pretty high-touch institutions, which take great pains to position themselves both geographically and in terms of marketing materials as close as possible to those they would lend to. The average payday lender is much more likely to know any given borrower’s name, when they walk in to the branch, than any banker — and that gives the payday lender an advantage when it comes to the borrower’s willingness to repay the loan.

The problem, of course, is that opening up local branches is a strategy which is expensive, hard to scale, and difficult to implement overnight. But it certainly helps explain why lending strategies enforced in a top-down manner from distant executives with spreadsheets can end up underperforming.

Even in times of severe budgetary crisis, WMATA still has to advertise itself. And what better way to reverse the public's negative opinion about random bag searches, constant maintenance, annoying talking buses, broken escalators, confusing fare structures and so forth than with some state of the art "guerrilla" marketing! Kytja Weir reports that the agency is going to try and get your attention the same way your local emo band does.

The transit system brought on Williams Whittle, based in Alexandria, earlier this month to help market the agency using traditional advertising but also possibly "guerrilla marketing" and "street teams," said Metro spokesman Reggie Woodruff.

"Williams Whittle will assist us as we continue to explore ways to increase revenue and off-peak ridership and to more effectively promote Metro and the improvements that we are making," he wrote in an e-mail.

That could mean "unconventional marketing" that directly engages potential riders, he explained. He could not provide any examples of what such direct marketing might look like, though.

What, was Evan Hensleigh not available? WMATA will be using about two-thirds of its $1.8 million advertising budget on Williams Whittle's services. For the sake of public transportation, I sure hope that Williams Whittle has some better "unconventional" ideas than those Second Life animations which Metro rolls out every now and then -- based on the company's website, it looks like they've got a ton of experience creating slightly annoying, yet oft-imitated television ads.

robert shumake detroit

Dawn Comes Twice in European Solar Eclipse - AOL News

A partial solar eclipse darkened European skies just after dawn this morning, casting an eerie darkness over the continent just as morning light was supposed to be spreading. But cloud cover prevented sky-gazers across much of the ...

CNN's John Roberts Joining Fox News | John Roberts | Mediaite

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Moore: EA not backing away from Tiger News - Page 1 | Eurogamer.net

Read our news of Moore: EA not backing away from Tiger.

robert shumake detroit

Dawn Comes Twice in European Solar Eclipse - AOL News

CNN's John Roberts Joining Fox News | John Roberts | Mediaite

Moore: EA not backing away from Tiger News - Page 1 | Eurogamer.net

Read our news of Moore: EA not backing away from Tiger.

robert shumake detroit

Many mortgage brokers base their decisions on whether to offer a mortgage on one or more key numbers, such as a credit score. In other words, if your credit score is above a certain level, and you meet other criteria, the broker will offer the loan. The same may be true of large, non-local banks, Moulton said.

But local lenders may place more weight on other factors, such as how long you’ve been working for your current employer, and whether you make regular deposits in a savings account…

In addition, local bankers are more likely to have a continuing relationship with the borrower, through the checking and savings accounts held by the customer.

“If there’s a relationship, the borrower may feel more obligated to make their payments. And the banks may provide more education and information to the borrowers, equipping them to be better homeowners,” she said.

When Yunus first started making loans to the local poor, he was pushing back against an argument from banks that people in poverty weren’t credit-worthy, that they couldn’t understand the concept of credit and therefore couldn’t be expected to pay. There was something to that argument: credit is a learned thing, both a legal concept and a social one that emerged in the developed world over centuries, whose core component is the creation of a sense of obligation between two perfect strangers.

Dr. Yunus did not actually challenge this notion; rather he sought to get around it, by demonstrating that loans did not have to be made between perfect strangers. The essence of microlending as he devised it was not simply that the loans were small, or that the rates were friendly, or even that the group system created a culture of pressure to repay the lender. It was that the groups were self-formed, that the members already knew each other, and that the obligation to repay was constructed as an obligation to one’s peers. He did not teach them to be obligated to the creditor; he saw that they were obligated to one another…

In India, the community component of micro-lending has never been taken seriously. Both the MFIs and the SHGs rely on the national financial system, not on local capital, to get started. Neither is able to operate as a borrower-owned community bank. And so both structures take as an assumption that grouping borrowers together can lead them to feel obligated to a third party, even though that is precisely the opposite of what the Bangladesh success story showed. As the sector has expanded, the distance–physical and therefore social–between lender and borrower has expanded it with it, and it is that distance, not the size of the industry itself, that is the problem.

The transit system brought on Williams Whittle, based in Alexandria, earlier this month to help market the agency using traditional advertising but also possibly "guerrilla marketing" and "street teams," said Metro spokesman Reggie Woodruff.

"Williams Whittle will assist us as we continue to explore ways to increase revenue and off-peak ridership and to more effectively promote Metro and the improvements that we are making," he wrote in an e-mail.

That could mean "unconventional marketing" that directly engages potential riders, he explained. He could not provide any examples of what such direct marketing might look like, though.

robert shumake

Dawn Comes Twice in European Solar Eclipse - AOL News

CNN's John Roberts Joining Fox News | John Roberts | Mediaite

Moore: EA not backing away from Tiger News - Page 1 | Eurogamer.net

Read our news of Moore: EA not backing away from Tiger.

robert shumake

Dawn Comes Twice in European Solar Eclipse - AOL News

CNN's John Roberts Joining Fox News | John Roberts | Mediaite

Moore: EA not backing away from Tiger News - Page 1 | Eurogamer.net

Read our news of Moore: EA not backing away from Tiger.

robert shumake

Making Money on line – Exchange $469.90 for over $10,000

Yes, making money on line is not easy, unless you know what to do. There are a ton of resources that you can use to make a lot of money online, and you can actually do this all for free. It is amazing the amount of money you can could be making on line without investing any money of your own to begin with. To begin with the process of making money online, I recommend that you download this un-named free e-book (normally sells for $15). It's just a short 4 page introduction to making money on line and how to start out and start making some free money!

Now, the title talks about exchanging $470 for over $10,000. That's what we'll go over in this part of the series. So how does this whole money making thing play out? It is actually outrageously easy.

Step 1 – Join Prowealth Solutions. I'm sure you've heard of it already by now. It officially launched on the 15th of Sept 2006 and is one of the fastest growing programs. Prowealth Solutions pays you in 4 different ways:

Fast Start bonus - $25 per person you sign up.

Monthly Matrix bonus – You are paid $1 per person in your 3x6 matrix. That can total up to $1092 per month. The cool part – you don't have to sponsor anyone yourself to get this. It can all be spillover and your down line's work.

Matching Bonuses – You're paid 50% matching bonus on your direct referrals, 30% on the second level and 20% on the third level.

Monthly Bonus Pools – 5% if you're bronze (3 personal recruits), 3% for silver (10 recruits or 3 bronzes), 3% for gold (30 recruits or 3 silver). 3% if you're platinum (100 recruits or 3 gold) and 5% for diamond members (3 platinum recruits).This totals to around $32 for bronze members, $75 for silver, $350 for gold, $2100 for platinum and $6800 for diamond members on top of everything else that they're already making.

Clearly, this is one of the best pay systems out there and you can be making a lot of money on line doing this, if you can recruit people. Isn't that the hardest thing though? Everyone can make money with MLM systems, if only you can get recruits. So how do you do it? You DONT!

This is one of the best things I've seen in recent history – you can get over 100 paid sign ups for $400 with a company named diamond central. Unlike most other guaranteed sign ups, these are not free members who're given a few cents to sign up under you as a free member, these are all people who WILL join under you in Prowealth Solutions.

Total Cost - $400 (for 100 sign ups) + $69.90 (for prowealth solutions - $34.95 for start up + $34.95 for the first month) = $469.90

Now let's see how much money you'll be making:

Fast Start bonuses - $2500, because of the fast start bonuses.

Monthly Matrix bonus – At least $100, but it could be a lot more.

Matching bonuses – based on the above, they can be a lot more too!

Monthly Bonus Pools - $2100.

This is the clincher – As a platinum member you get $1 for every person who becomes a paid member in the entire system in the Powerline after you. That's about $1 per minute - $60 per hour without doing anything!

Total at the end of the system (about 3 months at most) - $2500 + $300 + $700 + $60x24x30 (for just one month) = $46,700.

How's that for a return? So why did I say $10,000 in the title? Because $46,700 sounds like a big hoax! But it's possible, if only you're willing to do it. Many people never really experience God's grace because they refuse to believe that it's possible for them to sin (their pride) or that God is incapable of forgiving them because their sin is too great (belittling God). It's possible, you just need to analyze it. Look at it intellectually – is it possible? Yes! Then why let your emotions ruin the party for you?

Is it a scam? I'm already doing this! There's no way they can pretend like they signed up 100 people under you! You have your own tracking systems and you can know for sure that you are making money online regardless. Secondly, I've spoken to them many times myself, there responses have always been prompt and sincere. If there's a mistake they clarify and try to fix, but don't pretend like it never happened.

That's how easy it can be making money online. Now you're probably wondering – how do I make that initial $470? You'll learn how to do make the initial money on line without making an investment of your own in here, and in the next edition of – Making Money Online!

robert shumake detroit

Many mortgage brokers base their decisions on whether to offer a mortgage on one or more key numbers, such as a credit score. In other words, if your credit score is above a certain level, and you meet other criteria, the broker will offer the loan. The same may be true of large, non-local banks, Moulton said.

But local lenders may place more weight on other factors, such as how long you’ve been working for your current employer, and whether you make regular deposits in a savings account…

In addition, local bankers are more likely to have a continuing relationship with the borrower, through the checking and savings accounts held by the customer.

“If there’s a relationship, the borrower may feel more obligated to make their payments. And the banks may provide more education and information to the borrowers, equipping them to be better homeowners,” she said.

When Yunus first started making loans to the local poor, he was pushing back against an argument from banks that people in poverty weren’t credit-worthy, that they couldn’t understand the concept of credit and therefore couldn’t be expected to pay. There was something to that argument: credit is a learned thing, both a legal concept and a social one that emerged in the developed world over centuries, whose core component is the creation of a sense of obligation between two perfect strangers.

Dr. Yunus did not actually challenge this notion; rather he sought to get around it, by demonstrating that loans did not have to be made between perfect strangers. The essence of microlending as he devised it was not simply that the loans were small, or that the rates were friendly, or even that the group system created a culture of pressure to repay the lender. It was that the groups were self-formed, that the members already knew each other, and that the obligation to repay was constructed as an obligation to one’s peers. He did not teach them to be obligated to the creditor; he saw that they were obligated to one another…

In India, the community component of micro-lending has never been taken seriously. Both the MFIs and the SHGs rely on the national financial system, not on local capital, to get started. Neither is able to operate as a borrower-owned community bank. And so both structures take as an assumption that grouping borrowers together can lead them to feel obligated to a third party, even though that is precisely the opposite of what the Bangladesh success story showed. As the sector has expanded, the distance–physical and therefore social–between lender and borrower has expanded it with it, and it is that distance, not the size of the industry itself, that is the problem.

The transit system brought on Williams Whittle, based in Alexandria, earlier this month to help market the agency using traditional advertising but also possibly "guerrilla marketing" and "street teams," said Metro spokesman Reggie Woodruff.

"Williams Whittle will assist us as we continue to explore ways to increase revenue and off-peak ridership and to more effectively promote Metro and the improvements that we are making," he wrote in an e-mail.

That could mean "unconventional marketing" that directly engages potential riders, he explained. He could not provide any examples of what such direct marketing might look like, though.

robert shumake detroit

Friday, January 7, 2011

Let’s Get Physical/>

Money, Money, Money/>

Get Your Social Media in Shape/>

New Year, New You/>

More Social Media Resources from Mashable:

For more Social Media coverage:

Tell a personal story

Tell the product's story

Give rewards and issue progress reports

Thursday, January 6, 2011

Wednesday, January 5, 2011

For more Business coverage:

Tuesday, January 4, 2011

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