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personal finance programs

Posted by johnnynorman1982 on Mar 2, 2010 in Uncategorized

Perhaps the most standout feature of this revamp is the improved categorization that takes a ton of work off the plate of the user. The guys at Quicken have developed a learning algorithm for Quicken Online that allows users to self-tag, with the Quicken Online software remembering those tags and then applying them to other people's data. The more people who use it, the smarter the tagging gets. In my tests, the automatic categorizing/tagging works exceedingly well. Though Quicken Essentials takes a lot of cues from Mint.com, it's method of categorization is different (and superior). Mint obtains its categorization by performing a relatively simple Yellow Pages look-up. Later in the year Intuit will be combining the two approaches and hopes to achieve 95% categorization accuracy (Intuit bought Mint in 2009).

Out of the box, Quicken Essentials supports 12,000 US and Canadian banks. That will grow to 16,000 banks in the next 2-3 months. That's full coverage of every credit union and bank in the US. Transferring and converting your data from Quicken for Windows to Quicken Essentials worked pretty well in my tests. I just saved a copy of my Quicken for Windows file, moved it to my Mac, and double-clicked on it. All my data was easily imported without any errors. Keep in mind that I was only working with two years of Quicken data though. Quicken Essentials allows for conversion from previous Mac programs, Quicken for Windows 2007+, and the now defunct Microsoft Money.

If you're like me and just want a simple program to view all your financial accounts, see where your money is going, and keep track of balances and upcoming bills, I highly recommend Quicken Essentials. If, however, you're a Quicken power user who needs investing and planning tools, investment buy and sell tracking, TurboTax integration, or in-app bill pay, then QEM is not for you. Think of this edition of Quicken Essentials as iPhoto for your finances. It presents a snapshot of your finances and transactions in a simple to use interface. If you need more than that, it's best to look at iBank or Quicken Premier for Windows running under VMWare Fusion or Parallels.

Quicken Essentials for the Mac goes on sale today for $69 and requires Mac OS X 10.5 or 10.6, an Intel-based Mac, and 1GB of hard disk space.

Obama administration officials today announced a proposed $1.25 billion settlement to resolve racial discrimination claims by potentially tens of thousands of black farmers who were denied equal access to U.S. Agriculture Department loan programs.

The settlement addresses claims from black farmers who were excluded from participation in an earlier settlement with the government over USDA loan discrimination. Late-filed or incomplete paperwork meant thousands of farmers were left out.

The settlement announced today by Associate Attorney General Thomas Perrelli of the Justice Department and Secretary Thomas Vilsack of the Agriculture Department sets up a nonjudicial claims process through which individual farmers may demonstrate entitlement to damages awards and debt relief.

Perrelli called the settlement a “great landmark” that highlights his department’s commitment to civil rights. The discrimination was part of a “troubling” and “sordid” chapter at USDA, Vilsack said, and the Agriculture Department is looking to move forward to reduce complaints and modernize.

The settlement is contingent on congressional authorization, for which there is a March 31 deadline. A range of attorney fees—between about 4% and 7%, or $49 million to $89 million—is part of the settlement agreement, according to Perrelli. He called it a “relatively complicated” set of attorney fee provisions that address prior and future work. Judge Paul Friedman of the U.S. District Court for the District of Columbia, who has presided over the case, will have the final say on fees.

“Bringing this litigation to a close has been a priority for this Administration. With the settlement announced today, USDA and the African American farmers who brought this litigation can move on to focus on their future,” Attorney General Eric Holder Jr. said in a statement. “The plaintiffs can move forward and have their claims heard—with the federal government standing not as an adversary, but as a partner.”

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how to manage personal finances

Posted by johnnynorman1982 on Feb 10, 2010 in Uncategorized

Think about all the things you need to get done today. Now thing about all the things you'd like to accomplish today. Now think about all the things you've been meaning to do but haven't gotten around to. Now think about what you were supposed to do last week but just never got around to. That's probably a lot of things to do. How are you going to get it all done? You've already got stuff that absolutely must be done right now. How are you going to get all the should haves, would like to, and would be nice tos done? Sadly, more people are encouraged to budget their money and almost nobody is taught how to budget their time. Here's a quick guide on how you can make a to-do list that will fit your life and make you a more effective task completer and your days more productive.

1) List it all.
Write down absolutely every to-do you can think of. Write down absolutely everything that needs to be done or you would like to get done. You're not going to finish it all in one day so don't worry if your list looks horrendously long. This list should include personal goals that you would like to accomplish. Your personal goals should always be on your to-do list. Eventually as you start accomplishing and finishing things, this list will get shorter and shorter. Of course, you'll also be adding to this list as things come up that need to be done, but I'll show you how to handle that without any major disruptions in your life.

2) Due dates.
Create due-date categories for your to-do items. These categories should be something like, 'immediate', 'short-term', and 'long term'. Items in the immediate category should be items that are the most urgent or necessary things that you do everyday (like picking the kids up from school). Keep in mind that your immediate category items will probably change daily. Short-term items should be activities that can wait for a little while, but not too long. Short-term items should include items that can wait for a week to two or three weeks. Long-term items are things that you can put off for a while, a month or more. Be sure to constantly be looking at your categories and put a date on when something in the long-term becomes a short-term item. The same applies for when short-term items become immediate items. Be sure to categorize your personal goals as well. Just be careful that your goals don't go into “long-term” and stay there. You need to make time to achieve your goals, they should eventually be moved into short-term and then immediate as well. Keep in mind that the time limits for immediate, short-term, and long-term are suggestions. Your categories should fit your life. A short-term category for you might more appropriately encompass three to six months and long-term is anything longer than six-months. Make it fit your lifestyle.

3) Running activities.
These are activities that you can do while accomplishing other goals (like putting in a load of laundry, it runs while you shuttle the kids around) or activities that require consistent effort over an extended period of time (like losing weight, writing a book, staying organized, or managing your finances). These activities should always go in the immediate or short-term category, never in the long-term category. These are items that you need to make time to do, even if it's just once a week. This will keep you caught up and keep you from feeling overwhelmed. At the same time, you'll be making time for your personal goals. Running activities like laundry, staying organized, and managing your finances should go on your immediate list. These things need to be done continuously. Running activities like writing a book and losing weight should go in your short-term and long-term categories. As you'll see, your weekly schedule will include some of your short-term activities so you should be working on these activities at least once a week. You've also put due dates on when your short-term activities become immediate activities so this should help you maintain these running activities as well.

4) Scheduling.
After you've compiled your list of to-do items and arranged them into categories, you'll need to schedule them into your week and into your days. Start with a general schedule for the week. This list encompass all of your short-term items and maybe a couple items from your long term list. Don't feel like you have to put all the daily minutaie (like making lunch) on your weekly list. Next, make a to-do list for your day tomorrow. I recommend doing this right before bed so you can go to sleep with an easy mind knowing you've got a plan for tomorrow and you don't need to worry about it tonight. I suggest typing your to-do list up in a word processing program with easy to read numbering. This makes your list appear very neat and organized and boosts the feeling that you'll be able to accomplish them. In the morning re-evaluate your list and see if anything needs to be altered. Arrange your to-do list items in the order that you want to accomplish them. Your immediate items should come first, followed by your short-term items, and finally your long-term items. I suggest scheduling your time into fifteen minute increments. Give yourself more than enough time for each activity. That way you'll finish your activities early and you'll have some free time and a feeling of accomplishment. It also puts in some wiggle room if an activity takes longer than you anticipated.

When you make your list you can choose to print it out or you can leave it on your computer. If you are always on the go, it might make sense to print it out. On the other hand, if you work out of your home, or have constant access to a PDA keeping in the word processor might not be a problem. As you accomplish tasks mark them out with a highlighter. Most people scratch out their completed to-do items, but here is why you should highlight instead of scratching out. When you scratch out an item, it's easier to forget what you've accomplished when all you can see is what you haven't done yet. When you highlight, it's still very obvious what you need to do, but you can see much more easily what you have already accomplished. Don't forget to mark off items you complete from your weekly to-do list.

When you do your scheduling, be sure to factor in meal times and some personal time. That personal time could be in the morning while you eat your breakfast and read the morning paper or it could be a mid-afternoon break to get your second wind. Just be sure to allot some time for you. This will help you keep going the rest of the day.

* * * * * * * * * * * *

That's a lot of information to take in. Here's an example of what a weekly and a daily schedule might look like. Keep in mind that your schedule and the activities on it may be vastly different from what is given here. The example I'm going to give is that of a stay-at-home mom or dad who also runs a business out of their home. This example is for form only. You should tailor your schedule to fit your daily content.

Weekly:
1) Buy groceries.
2) Balance business ledger.
3) Schedule next months' business meeting.
4) Clean house.
5) Lose weight.
6) Write book.
7) Find a new marketing technique.
8) Go to Sammy's baseball game.
9) Finish PTA duties.
10) Take dog to vet.

Daily:
1) Wake-up 5:30 am
2) Go running 5:30 – 6:00 am
3) Shower and get ready 6:00- 6:30 am
4) Wake up kids and get ready for school 6:30 – 7:30 am
5) Pack lunches. 7:00 am
6) Leave for school. 7:30 am
7) Return from dropping kids off. 8:30 am
8) Put in a load of laundry. 8:45 am
9) Breakfast. 9:00- 10:30 am
10) Tidy living room and office. 10:30 – 11:00 am
11) Balance June and July in ledger. 11:00 – 12:30 pm
12) Lunch. 12:30 – 1:00 pm
13) Switch out laundry. 1:00 pm
14) Work. 1:15 – 3:30 pm
15) Run errands (groceries, dry cleaning, post office) 3:30 – 5:00 pm
16) Pick up kids from daycare. 5:15 pm
17) Cook dinner. 6:30 pm
18) Help kids with homework. 8:00 – 9:00 pm
19) Miscellaneous tasks. 9:00 – 10:30 pm
20) Bedtime. 10:30 pm

Now, this schedule may not fit you at all, but you can see the from. All the hours are portioned out with plenty of time for each task. The daily list for this person didn't include all of their weekly tasks, but they still have six more days. Modify your to-do list and schedule to fit your needs and lifestyle. With these tools, you are on your way to being a productive person and making your days slightly less chaotic.

Transcript of <b>News</b> Conference by President Obama — Politics Daily

<b>NEWS</b> CONFERENCEBY THE PRESIDENTJames S. Brady Press Briefing RoomFebruary 9, 2010; 1:38 PM EST THE PRESIDENT: Hello, everybody. I.

<b>News</b> Ticker: MGMT, Graham Nash, Kanye West, Megadeth : Rolling <b>…</b>

<b>News</b> Ticker: MGMT, Graham Nash, Kanye West, Megadeth. 2/9/10, 8:26 am EST. Photo: Granitz/WireImage. MGMT's Congratulations, the follow-up to breakthrough disc Oracular Spectacular, is due April 13th. The nine-track LP, …

WH: Some Critics 'Serving the Goals of al Qaeda'* – Political Punch

In an oped in USA Today, John Brennan — Assistant to the President and Deputy National Security Advisor for Homeland Security and Counterterrorism — responds to critics of the Obama administration's counterterrorism policies by …

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Transcript of <b>News</b> Conference by President Obama — Politics Daily

<b>NEWS</b> CONFERENCEBY THE PRESIDENTJames S. Brady Press Briefing RoomFebruary 9, 2010; 1:38 PM EST THE PRESIDENT: Hello, everybody. I.

<b>News</b> Ticker: MGMT, Graham Nash, Kanye West, Megadeth : Rolling <b>…</b>

<b>News</b> Ticker: MGMT, Graham Nash, Kanye West, Megadeth. 2/9/10, 8:26 am EST. Photo: Granitz/WireImage. MGMT's Congratulations, the follow-up to breakthrough disc Oracular Spectacular, is due April 13th. The nine-track LP, …

WH: Some Critics 'Serving the Goals of al Qaeda'* – Political Punch

In an oped in USA Today, John Brennan — Assistant to the President and Deputy National Security Advisor for Homeland Security and Counterterrorism — responds to critics of the Obama administration's counterterrorism policies by …

Transcript of <b>News</b> Conference by President Obama — Politics Daily

<b>NEWS</b> CONFERENCEBY THE PRESIDENTJames S. Brady Press Briefing RoomFebruary 9, 2010; 1:38 PM EST THE PRESIDENT: Hello, everybody. I.

<b>News</b> Ticker: MGMT, Graham Nash, Kanye West, Megadeth : Rolling <b>…</b>

<b>News</b> Ticker: MGMT, Graham Nash, Kanye West, Megadeth. 2/9/10, 8:26 am EST. Photo: Granitz/WireImage. MGMT's Congratulations, the follow-up to breakthrough disc Oracular Spectacular, is due April 13th. The nine-track LP, …

WH: Some Critics 'Serving the Goals of al Qaeda'* – Political Punch

In an oped in USA Today, John Brennan — Assistant to the President and Deputy National Security Advisor for Homeland Security and Counterterrorism — responds to critics of the Obama administration's counterterrorism policies by …

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how to manage personal finances

Posted by johnnynorman1982 on Feb 9, 2010 in Uncategorized

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Perry to keynote Festival of Games | <b>News</b>

Development veteran and Shiny Entertainment founder David Perry is to keynote the Festival of Games 2010, discussing his…

MetsBlog.com – <b>News</b>: Mookie and Melvin join Mets

<b>News</b>: Mookie and Melvin join Mets. February 8, 2010 at 15:40 pm · 24 comments. by Matthew Cerrone. The Mets have named Mookie Wilson as the team's minor league outfield and base running coordinator. Wilson had been the team's first base …

<b>News</b> Ticker: Ozzy Osbourne, Robert Fripp, Leonard Cohen, John <b>…</b>

Up to the minute breaking <b>news</b> from the world of music, from the editors of Rolling Stone.

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Help Making Money

Posted by johnnynorman1982 on Feb 5, 2010 in Uncategorized

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CBS, <b>News</b> Corp. Grab For Station Retransmission Dollars Could Get <b>…</b>

Improved earnings at broadcast network media owners such as <b>News</b> Corp. and CBS cannot be sustained without seizing a larger chunk of the retransmissio.

GREAT <b>NEWS</b>! (sort of….let's hope!) « Gretawire

The unemployment rate of 9.7% is not great <b>news</b> for a currently unemployed person. However, I headline this "great <b>news</b>" because it is DOWN from where it was. Let's hope this is a trend. One other thing….unemployment rates tend to be …

Hot Air » Blog Archive » Great <b>news</b>: Fiorina's campaign promising <b>…</b>

Great <b>news</b>: Fiorina's campaign promising ads even freaky deakier than “demon sheep”

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Who's Making Money

Posted by johnnynorman1982 on Feb 5, 2010 in Uncategorized

As the 2010 Winter Olympics draw closer, discussions will continue to pop up all over the place.

There will be the standard “who’s the favorite to take home the gold argument,” which will—no matter the circumstances—always seem to involve Canada.

There’s also the much more fun “who’s going to surprise at this tournament” (my pick: Germany), which team’s jerseys are going to present the biggest colour/design catastrophe or victory, and which country or player will offer us the most memorable scene.

The other argument that gets brought up, though, is whether the NHL should or shouldn’t participate in the 2014 Olympics in Russia.

International Olympic Committee president Jacques Rogge seems to think that it'd be in the NHL's best interests to be in Sochi four years from now.

And he’s right.

With professional players participating in the Olympics now, there are the obvious drawbacks. The two-week layoff right in the prime of hockey season not only hurts the crunching in extra hockey over the course of the season, but it’s two weeks of extra hockey that could burn out key players for playoff-hungry teams like the Detroit Red Wings, Philadelphia Flyers, and Calgary Flames.

In addition, while the players are on display in a true “best on best” competition, it’s not under the NHL shield or team logos, letting any playoff excitement that was built before the break go stale for a two-week period until the fans can get back into it.

You’re also left with the odd circumstances that arise from time to time, like the jet lag from the trip to Nagano in 1998 or the 14-game road trip that the Vancouver Canucks will have to go on starting Jan. 30.

Once you’re able to get past those hindrances, however, the positives come in droves.

For one, NHL Commissioner Gary Bettman wants to follow the NFL in making his game a worldwide phenomenon, correct? Well, what better way to do that than the Olympics?

Although the current “expansion” (and expansion is only under the belief that the game is expanding, not the league) plan calls for a handful of NHL teams to miss their home openers while playing in Sweden and Finland, the Olympics go beyond that.

While Salt Lake, Vancouver, and Sochi are by no means hockey deathbeds, places like Turin in 2006 and Nagano in 1998 were exposed to a game and players they have had a very limited opportunity to view.

When these countries get exposed to the higher level of the game, they also see their program improve by a large margin. While it does take time and money to compete with the international hockey superpowers, some of these countries want to be able to and are willing to do whatever it takes.

A perfect example is the Chinese national women’s hockey team, who, after opening competition in 1992, have taken pride in the sport and put forth plenty of hard work to achieve a program they’re proud of.

Returning to the NHL impact of things, the Olympics occur roughly around the same time as the All-Star break normally would, which is the reason (along with the two-week break where a majority of the NHL’s premier talent is off at the Games) there is no All-Star game.

But for the spectacle that All-Star weekend has become to the NHL, which do you think the players take more seriously: a weekend where, despite the family aspect of things they participate in a largely meaningless slew of competitions and a dulled-down game, or the opportunity to carry a nation, their nation, on their chests and backs?

Unlike the All-Star game, no one is going to be handing out one-game suspensions to Nik Lidstrom or Pavel Datsyuk for missing out on the Olympics. In fact, players like Mikael Samuelsson of the Vancouver Canucks publicly criticized (and F-bombed) his country after he was left off of the roster.

The last player to have that kind of reaction to missing an All-Star game may have been Jeremy Roenick—but only because he wasn’t going to see any hitting if he missed the game.

The Olympics are no spectacle to these players. Every opportunity they get to represent their country is one they take to heart, because just handfuls are fortunate enough to do so every four years.

The competition is taken seriously, the players put their skills on full display, and it offers the biggest showcase for Bettman’s product.

If proof is in numbers, than look no further than the business side of things to get them. The media consortium broadcasting the Olympics in Canada has sold ad space for the gold medal game in anticipation of 15 million viewers if the final happened to include Canada and one of either the United States or Russia.

Try getting that kind of exposure for any single game in the NHL.

While there are no “NHL” logos anywhere, everyone will know where the Joe Thorntons, Sidney Crosbys, Alexander Ovechkins, and Bobby Ryans are coming from both nationality-wise and league-wise.

The Olympics can be Gary Bettman’s greatest platform to promote the game. He just needs to let Jacques Rogge do so.


Bryan Thiel is a Senior Writer and the NHL Community Coordinator for Bleacher Report. If you want to get in contact with Bryan, you can do so through his profile or you can e-mail him at bryanthiel74@hotmail.com. Also, be sure to check out all of his previous work in his archives and at Hockey54.com—The Face of the Game!


Ariana Cubillos / AP Photo

Skeptics are telling the public to stop giving to Haiti relief efforts. Michelle Goldberg on how some donations might be wasted—and why cash is still desperately needed.

Late last week, as the extent of the apocalypse in Haiti was just becoming clear, the financial journalist and blogger Felix Salmon wrote a much-discussed blog post headlined “Don’t Give Money to Haiti.” Too much generosity, he argued, could do more harm than good: “The problem is that Haiti, if it wasn’t a failed state before the earthquake, is almost certainly a failed state now—and one of the lessons we’ve learned from trying to rebuild failed states elsewhere in the world is that throwing money at the issue is very likely to backfire.”

It’s way too early to start worrying about too much money—those working on the ground remain worried about having too little.

Soon, other skeptical voices piped up. On Tuesday, The Wall Street Journal ran an op-ed entitled, “To Help Haiti, End Foreign Aid.” Bret Stephens wrote, “For actual Haitians… just about every conceivable aid scheme beyond immediate humanitarian relief will lead to more poverty, more corruption, and less institutional capacity.” On the Aid Watch blog, which is run out of New York University’s Development Research Institute, Laura Freschi made tentative comparisons to the aftermath of the Asian tsunami in 2004, where, she argued, giving outpaced need. “The global outpouring of support for people affected by the South Asia earthquake and tsunamis of 2004 added up to more than $14 billion,” she wrote. “One notable fact about this $14 billion is that it represents the most generous international response to a natural disaster on record. Another is that it exceeded the total estimated cost of damages from the storm by some $4 billion, or about 30 percent.”

• Michelle Goldberg: How Partners in Health Gives Haiti a Ray of Hope

• The Daily Beast’s full Haiti coverage

• Sir Harold Evans: CNN’s Haiti Triumph Meanwhile, Yéle Haiti, the NGO founded by musician Wyclef Jean, came under attack for financial mismanagement, with The Smoking Gun reporting that Yéle failed to file tax returns and spent $410,000 in personal payments to Jean for rent, production services, and a benefit conference. Yet Yéle Haiti remains one of five charities selected to receive proceeds from the celebrity-packed telethon that George Clooney, Anderson Cooper, and Jean himself will host this Friday.

Reading all this, those who want to help might feel cynical and baffled, perhaps even guilty for trying to salve their consciences by giving cash. That’s unfortunate, because despite the aid backlash, Haiti still needs as much help as it can get.

“It’s absolutely pure sophistry to say that aid of this sort does more harm than good,” says Stewart Paperin, executive vice president of the Open Society Institute. Paperin has extensive experience in Haiti, and believes in market-based solutions to poverty; before the quake, he was involved in building a free-trade zone outside of Port-au-Prince. But he has no patience for the argument that Haiti is facing an aid glut. “It’s something that somebody says who’s never been in the center of one these situations.”

To be sure, most people in the foreign-aid world agree with Salmon that, when making donations, it’s far better not to earmark them for a specific disasters. Instead, gifts should be given to organizations’ general funds. “The last time there was a disaster on this scale was the Asian tsunami, five years ago,” wrote Salmon. “And for all its best efforts, the Red Cross has still only spent 83 percent of its $3.21 billion tsunami budget—which means that it has over half a billion dollars left to spend. Not to put too fine a point on it, but that’s money which could be spent in Haiti, if it weren’t for the fact that it was earmarked.”

Indeed, the aftermath of the tsunami hangs over discussions about aid in Haiti. Saundra Schimmelpfennig, who co-founded the Disaster Tracking Recovery Assistance Center to help coordinate aid in Thailand, saw some of the unintended consequences of large-scale generosity up close. Since orphanages provide great photo-ops for donors, agencies built more than were needed, she says, wasting money that might have gone to reuniting children with relatives. Cash disbursements, especially irregular ones, created dependency—some people feared going work, lest they miss a handout. At times, she says, aid fostered “the destruction of trust or a sense of community, because some people will take advantage of the lack of coordination, some people will get far more than other people. Where people once trusted their village headman or school principal, that trust is broken down.”

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As the 2010 Winter Olympics draw closer, discussions will continue to pop up all over the place.

There will be the standard “who’s the favorite to take home the gold argument,” which will—no matter the circumstances—always seem to involve Canada.

There’s also the much more fun “who’s going to surprise at this tournament” (my pick: Germany), which team’s jerseys are going to present the biggest colour/design catastrophe or victory, and which country or player will offer us the most memorable scene.

The other argument that gets brought up, though, is whether the NHL should or shouldn’t participate in the 2014 Olympics in Russia.

International Olympic Committee president Jacques Rogge seems to think that it'd be in the NHL's best interests to be in Sochi four years from now.

And he’s right.

With professional players participating in the Olympics now, there are the obvious drawbacks. The two-week layoff right in the prime of hockey season not only hurts the crunching in extra hockey over the course of the season, but it’s two weeks of extra hockey that could burn out key players for playoff-hungry teams like the Detroit Red Wings, Philadelphia Flyers, and Calgary Flames.

In addition, while the players are on display in a true “best on best” competition, it’s not under the NHL shield or team logos, letting any playoff excitement that was built before the break go stale for a two-week period until the fans can get back into it.

You’re also left with the odd circumstances that arise from time to time, like the jet lag from the trip to Nagano in 1998 or the 14-game road trip that the Vancouver Canucks will have to go on starting Jan. 30.

Once you’re able to get past those hindrances, however, the positives come in droves.

For one, NHL Commissioner Gary Bettman wants to follow the NFL in making his game a worldwide phenomenon, correct? Well, what better way to do that than the Olympics?

Although the current “expansion” (and expansion is only under the belief that the game is expanding, not the league) plan calls for a handful of NHL teams to miss their home openers while playing in Sweden and Finland, the Olympics go beyond that.

While Salt Lake, Vancouver, and Sochi are by no means hockey deathbeds, places like Turin in 2006 and Nagano in 1998 were exposed to a game and players they have had a very limited opportunity to view.

When these countries get exposed to the higher level of the game, they also see their program improve by a large margin. While it does take time and money to compete with the international hockey superpowers, some of these countries want to be able to and are willing to do whatever it takes.

A perfect example is the Chinese national women’s hockey team, who, after opening competition in 1992, have taken pride in the sport and put forth plenty of hard work to achieve a program they’re proud of.

Returning to the NHL impact of things, the Olympics occur roughly around the same time as the All-Star break normally would, which is the reason (along with the two-week break where a majority of the NHL’s premier talent is off at the Games) there is no All-Star game.

But for the spectacle that All-Star weekend has become to the NHL, which do you think the players take more seriously: a weekend where, despite the family aspect of things they participate in a largely meaningless slew of competitions and a dulled-down game, or the opportunity to carry a nation, their nation, on their chests and backs?

Unlike the All-Star game, no one is going to be handing out one-game suspensions to Nik Lidstrom or Pavel Datsyuk for missing out on the Olympics. In fact, players like Mikael Samuelsson of the Vancouver Canucks publicly criticized (and F-bombed) his country after he was left off of the roster.

The last player to have that kind of reaction to missing an All-Star game may have been Jeremy Roenick—but only because he wasn’t going to see any hitting if he missed the game.

The Olympics are no spectacle to these players. Every opportunity they get to represent their country is one they take to heart, because just handfuls are fortunate enough to do so every four years.

The competition is taken seriously, the players put their skills on full display, and it offers the biggest showcase for Bettman’s product.

If proof is in numbers, than look no further than the business side of things to get them. The media consortium broadcasting the Olympics in Canada has sold ad space for the gold medal game in anticipation of 15 million viewers if the final happened to include Canada and one of either the United States or Russia.

Try getting that kind of exposure for any single game in the NHL.

While there are no “NHL” logos anywhere, everyone will know where the Joe Thorntons, Sidney Crosbys, Alexander Ovechkins, and Bobby Ryans are coming from both nationality-wise and league-wise.

The Olympics can be Gary Bettman’s greatest platform to promote the game. He just needs to let Jacques Rogge do so.


Bryan Thiel is a Senior Writer and the NHL Community Coordinator for Bleacher Report. If you want to get in contact with Bryan, you can do so through his profile or you can e-mail him at bryanthiel74@hotmail.com. Also, be sure to check out all of his previous work in his archives and at Hockey54.com—The Face of the Game!


Ariana Cubillos / AP Photo

Skeptics are telling the public to stop giving to Haiti relief efforts. Michelle Goldberg on how some donations might be wasted—and why cash is still desperately needed.

Late last week, as the extent of the apocalypse in Haiti was just becoming clear, the financial journalist and blogger Felix Salmon wrote a much-discussed blog post headlined “Don’t Give Money to Haiti.” Too much generosity, he argued, could do more harm than good: “The problem is that Haiti, if it wasn’t a failed state before the earthquake, is almost certainly a failed state now—and one of the lessons we’ve learned from trying to rebuild failed states elsewhere in the world is that throwing money at the issue is very likely to backfire.”

It’s way too early to start worrying about too much money—those working on the ground remain worried about having too little.

Soon, other skeptical voices piped up. On Tuesday, The Wall Street Journal ran an op-ed entitled, “To Help Haiti, End Foreign Aid.” Bret Stephens wrote, “For actual Haitians… just about every conceivable aid scheme beyond immediate humanitarian relief will lead to more poverty, more corruption, and less institutional capacity.” On the Aid Watch blog, which is run out of New York University’s Development Research Institute, Laura Freschi made tentative comparisons to the aftermath of the Asian tsunami in 2004, where, she argued, giving outpaced need. “The global outpouring of support for people affected by the South Asia earthquake and tsunamis of 2004 added up to more than $14 billion,” she wrote. “One notable fact about this $14 billion is that it represents the most generous international response to a natural disaster on record. Another is that it exceeded the total estimated cost of damages from the storm by some $4 billion, or about 30 percent.”

• Michelle Goldberg: How Partners in Health Gives Haiti a Ray of Hope

• The Daily Beast’s full Haiti coverage

• Sir Harold Evans: CNN’s Haiti Triumph Meanwhile, Yéle Haiti, the NGO founded by musician Wyclef Jean, came under attack for financial mismanagement, with The Smoking Gun reporting that Yéle failed to file tax returns and spent $410,000 in personal payments to Jean for rent, production services, and a benefit conference. Yet Yéle Haiti remains one of five charities selected to receive proceeds from the celebrity-packed telethon that George Clooney, Anderson Cooper, and Jean himself will host this Friday.

Reading all this, those who want to help might feel cynical and baffled, perhaps even guilty for trying to salve their consciences by giving cash. That’s unfortunate, because despite the aid backlash, Haiti still needs as much help as it can get.

“It’s absolutely pure sophistry to say that aid of this sort does more harm than good,” says Stewart Paperin, executive vice president of the Open Society Institute. Paperin has extensive experience in Haiti, and believes in market-based solutions to poverty; before the quake, he was involved in building a free-trade zone outside of Port-au-Prince. But he has no patience for the argument that Haiti is facing an aid glut. “It’s something that somebody says who’s never been in the center of one these situations.”

To be sure, most people in the foreign-aid world agree with Salmon that, when making donations, it’s far better not to earmark them for a specific disasters. Instead, gifts should be given to organizations’ general funds. “The last time there was a disaster on this scale was the Asian tsunami, five years ago,” wrote Salmon. “And for all its best efforts, the Red Cross has still only spent 83 percent of its $3.21 billion tsunami budget—which means that it has over half a billion dollars left to spend. Not to put too fine a point on it, but that’s money which could be spent in Haiti, if it weren’t for the fact that it was earmarked.”

Indeed, the aftermath of the tsunami hangs over discussions about aid in Haiti. Saundra Schimmelpfennig, who co-founded the Disaster Tracking Recovery Assistance Center to help coordinate aid in Thailand, saw some of the unintended consequences of large-scale generosity up close. Since orphanages provide great photo-ops for donors, agencies built more than were needed, she says, wasting money that might have gone to reuniting children with relatives. Cash disbursements, especially irregular ones, created dependency—some people feared going work, lest they miss a handout. At times, she says, aid fostered “the destruction of trust or a sense of community, because some people will take advantage of the lack of coordination, some people will get far more than other people. Where people once trusted their village headman or school principal, that trust is broken down.”

Heartbroken Ghetto Frida by El Rio

SEOmoz | Getting Started Publishing on Google <b>News</b>

How do you get articles indexed and ranking in Google <b>News</b>? This blog post, which builds off the information provided in the Google <b>News</b> publisher help center and in Maile Ohye's awesome video on Google <b>News</b>, provides publishers with a …

ABC <b>News</b> Content Now Available on Hulu – TV Squad

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Dark Void DLC out next week <b>News</b> | Eurogamer

Read our Dark Void DLC out next week <b>News</b> for Xbox 360, and PlayStation 3.

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1 internet marketing

Posted by johnnynorman1982 on Jan 27, 2010 in Uncategorized

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Introductions @ the 1st Austin Internet Marketer Entrepreneur event by mrdavegonzalez

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web site promotion internet marketing

Posted by johnnynorman1982 on Jan 26, 2010 in Uncategorized

Powered by WordPress Copyright © 2010 Internet Marketing Search Engine Placement All rights reserved News Magazine Theme 640 designed by antisocialmediallc.com

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Google News' Crawling Bots Infiltrating Publisher Sites More Than Ever

Engineers add a “recrawler” feature to keep the bots coming back for more.

Supreme Commander 2 here in March News | Eurogamer

Read our Supreme Commander 2 here in March News for PC, and Xbox 360.

Arrowheadlines: Chiefs News 1/26 – Arrowhead Pride

Here's all the latest Kansas City Chiefs news from across the internet. As has been the case lately, there's not a lot out there. He made that commitment from the time the Kansas City Chiefs moved up to draft him 13th overall in 1997 …

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Buying stocks on the internet

Posted by johnnynorman1982 on Jan 6, 2010 in Uncategorized

Your Guide on How to Buy Stocks On the Internet

On December 07, 2009 in Finance

One of the most rewarding forms of investments, buying stocks has become a popular choice given that you know how to be successful in it. People from all around the world have already benefited from what they have gained through buying stocks and up to now, despite the economic conditions, more and more people are still taking the same plunge. But if you venture down this path, you might want more information on what is the best stock to buy. Getting more information on stocks to buy now or best stocks to buy now is the best way to make sure your stock investments are a success.

But then, having inadequate experience of how stock investments work is one hard thing to embark on. Being able to uncover the secrets involved in buying stocks will definitely become a key towards your success. The most preferred and the cheapest way available to buy stocks is through online and that is preferably what you must try to master. But sometimes buying stocks online is harder because you do not have a person there to answer your questions in real time.

Buying stocks online will save you plenty of time and money when it comes to stocks investment. There are already a lot of online brokers available with different levels of credibility and it is up to you to gauge who you should trust. One way to make sure you are using the best service possible is to ask people who have been investing this way for some time and read lots of reviews.

After picking out which online broker to trust, the next step you need to do to be able to buy stocks online is to open an account and deposit some money. You can now already start buying or even selling out the stocks of your choice mainly depending on the limits you will set with the guidance of your online broker to further ensure success. I consider the fact that you do not have to rely on an individual to do what you ask and you can program a computer to buy and sell to your exact specifications a huge advantage to online buying.

To further enhance your stock searching capabilities, Most online brokers make use of back up researches and innovative tools available over the internet that you can make use of. With the help of the tools available, and also with the assistance of your online broker, you can easily determine and buy profitable stocks and you can also easily point out which stocks you should avoid buying.

Most brokerage firms maintain a cheap transaction fee that commonly starts from nine to fifteen dollars that will be deducted per transaction on your account. In comparison with the fees from full-service and discount brokers, the transaction fees from online brokers are actually the cheapest available so you should using it to your advantage.

To further protect yourself from losing profit from your stocks; you need to stipulate a stop loss order to your online broker. Protecting you from losing your earnings, a stop loss order will allow your online broker to sell your stock when it goes below a certain value that you will personally set.

Being a novice to the field of online stock investments requires you to be educated with the necessary tools that you will need for success. Your online broker is one great assistance that you should always consider communicating with to help avoid risks. Arming yourself with the proper comprehension and strategies will surely help you become successful in buying stocks online.

Our take

Matt: Let’s not forget the Harmony Remote either. Before these Internet-connected remotes came along, you would have to spend hours programming a universal remote with codes printed in size 4 font. The innovative little company was eventually bought out by Logitech, but thankfully not much as changed.

Doug: I have to agree with the T-Mobile Sidekick here. I can’t remember the last time I had a bigger tech boner about a particular product. The thing that made it so unbelievable was that it wasn’t priced outrageously at the time. If memory serves, the hardware was $250 and my monthly service was $30 for voice and $20 for unlimited data. I did a lot of web development back then and I still remember the first time I used my Sidekick to add a new user to one of my client’s e-mail systems while waiting for my luggage halfway across the country. Unreal. And never, ever, ever have regular people ogled a phone as much as they did the first Sidekick. There was nothing like it — that swiveling screen, especially.

Devin: I just want to throw my weight behind Gmail and cloud apps here. I may not even use them, but I see them as being fuel for the next generation of computing. Flash memory has for sure enabled a huge amount of devices in the last decade, but cloud apps will power the next decade.

Greg: As the resident mobile nut, it’s only appropriate for me to consider something from the mobile space to be the most innovative. I could cheat and default to the iPhone purely for the sake of stoking a flamewar in the comments below, but I won’t. Instead, I’ll go with SMS – otherwise known as text messaging; while technically a product of the 80s, SMS truly came to fruition in the naughts. In the past 9 years, we’ve gone from sending less than half a billion texts a year to over 80 billion – and that’s in the US alone. It paved the way for Facebook updates, tweets, and microblogs, killed the long form letter, and has completely overhauled how we, as a populace, communicate.

Nicholas: I sincerely believe the word “innovative” has lost all meaning and should be eliminated from the English language. I have no time for it, and it seeing it instantly causes my renal glands to secrete exotic poisons. Call me when someone invents a simple water purifier that can treat water on the spot. That’d be helpful. Oh, and innovative.

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The Allmusic Blog » News Roundup: 1/5/2010

The blog site of allmusic.com. Music news, reviews of new songs, information about upcoming releases and tours, highlighting forgotten treasures, rediscoveries, and all manners of interesting music culled from the AMG archive.

Regretsy – Book News

As you know, I'm working on a Regretsy book for Random House. It's starting to get exciting now as all the pieces are coming together, and it should be nearly done in just a few days! One of the things I'm really excited about is the …

The Non-Device News from Google's Press Event | AndroidGuys

After endless speculation, today's press event at Google answered the burning questions about the Nexus One. The event, though, offered more than just news.

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Best Investments Online

Posted by johnnynorman1982 on Jan 4, 2010 in Uncategorized

There are, of course, various ways that you can spend the money that you have earned and investing in a mutual fund is one of them. Furthermore, the many different mutual funds have many excellent options for you to examine. However, you will also have to find the best mutual funds in order to decide which are most suitable for your requirements.

Right now, you will probably find that Janus, Fidelity Funds and the Vanguard Group are some of the best mutual funds available. The first thing you should do is look how the funds compare with one another. There are many articles to provide you with the information you need to choose the best mutual fund(s) for you.

However, before you invest in a mutual fund, you ought to understand what a mutual fund is, how it operates and how it will be of use to you. Basically, a mutual fund is an investment company and this investment company pools the money of its investors, which it then uses to buy various types of stocks, shares and bonds.

Each investor then owns a percentage of the various stocks and bonds that are in the portfolio commensurate with the amount he put in. By investing in these stocks the professional managers of the corporation attempt to keep the clients’ portfolio growing. Although, I have over-simplified this, I hope that it helps the novice to understand how a mutual fund group works. If you need more information, you can get it from the Internet or from a trusted financial adviser.

The best way to look for the right mutual fund is to be methodical. There are just so many mutual funds out there, that it is rather difficult to know which are the best mutual funds to invest in. You can look at the columns in the Morningstar to see which of the mutual funds are doing well. This initial research will help you see the direction the mutual funds you are interested in are heading.

Then, After you have chosen a few of the better mutual groups to investigate more deeply, you should see what kinds of funds they offer. Since some of these funds have hidden charges, it pays to understand what these funds’ charges or fees really are. You can find this information on the Internet, in the financial press or you can ask a financially-savvy person to explain the details for you.

Even though almost all of the mutual funds offer reasonably good investment opportunities, there are always risks for potential clients. For this reason, you should give the matter of investing your money in mutual funds some serious consideration. The bottom line is that no matter how well the best mutual funds are performing today, tomorrow is another day therefore take your time and invest your hard-earned money carefully.

If you are interested in Investing in Mutual Funds or saving in general, please go along to our website called Saving in Mutual Funds You can get a unique content version of this article from the Uber Article Directory.

3. Know the best investments for retirement accounts.

There are certain investments that may be more suitable for long term accounts and which work best with a 401k. Stock mutual funds and index funds are great choices — they are the perfect balance of risk and reward, in my opinion. It's also interesting to note that many employers will offer their own stock as part of their company retirement program. Should you invest in your employer's stock? It's up to you to make the decision, but I wouldn't go overboard with a high concentration in just one stock, no matter how confident I am about the company. Again, diversification is key. Also, putting your money in a pure cash account in your 401k may set it up for underperformance. Since your account is for a long term goal, you should pick investments that have good growth prospects.

4. Move to a rollover IRA once you leave the company.

For many of us, leaving an employer also means leaving our 401k behind and forgetting about it. As in my own experience, performing a rollover is a task that often falls by the wayside. But this is something that shouldn't wait: you should work on moving your money over to a high yield savings account using a rollover IRA registration. Be careful that you go through this process carefully so as not to incur penalties.

5. Contribute up to the match, at the very least.

The conventional wisdom here is that unless you have a lot of debt and need to reduce your debt load as a first priority, then you should open a 401k account. Most 401k programs have index funds you can invest in, by default, and also have an employer matching component. If you can afford it, contribute up to the maximum amount that is matched by your employer: a typical scenario has your company matching 50% of your first 6% of pretax dollars that you contribute to your 401k (or 403b) account. I've actually done a step further and have contributed the maximum allowable in all my retirement accounts, which has been up to 15% or more of my salary.

6. Be careful when you borrow from your 401k.

For those looking for affordable loans, one option has been to target their retirement funds as a source. Borrowing from your retirement plan is a pretty good deal since you're required to pay back the money plus interest over a certain length of time, and you're actually paying yourself that interest. But be careful: if you end up having trouble repaying this loan, you'll owe income taxes and a 10% early withdrawal penalty. I wouldn't go down this path unless I'm absolutely certain I can pay back what I borrow…only because I'm allergic to penalties and additional payments. So tread carefully!

In general, the investments that are housed in your retirement plans are typically protected by either FDIC or SIPC insurance, depending on what type of assets you hold. In my mind, there's no real good excuse not to own a 401k account, especially when you've got an employer match; it's a valuable benefit you shouldn't miss out on when you're working for someone.

http://www.reitbuyer.com/

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Careers Field

Posted by johnnynorman1982 on Dec 22, 2009 in Uncategorized

(Originally posted on 4SportBoston.com)

Doing the usual afternoon blog-hopping that normally comes with a slow afternoon at work (sorry Boss!), I came across an interesting read over at our friends FenwayWest. Matt picked up some thoughts that Tito shared on WEEI about how the Sox will use the duo of Ellsbury and Mike “Frozone” Cameron. (FYI: I am going to hang onto this Frozone thing the way I do with calling Laurence Maroney “L-MO”… just let it happen.)

So Fro in left and Elss in center? Ells in right, Fro in center? So many options.

But why are people overlooking the absolute best option?

Everyone seems to forget about the perennial injury report in right field. J.D. Drew has had injury problems stemming back 11 years now in Major League Baseball. He missed time during every one of his first five seasons in baseball with the St. Louis Cardinals and didn't play a full, healthy season until 2004 in Atlanta. His health hazards here in Boston plagued his first couple years here until his contract started to have bonuses for games played but continue to be a daily risk.

There is, however, an answer to this and the entire Boston Red Sox outfield choice that Tito and the Sox brass have ahead of them. Move Drew to Left Field.

Boston fans know Fenway park well, we have lived with the same stadium for almost a hundred years now. The Green Monster is an ominous thing to look at down that left field line and there is a reason that it stands there.

The Green Monster exists because of the inability to have extended left field out to the usual 370+ foot mark due to the roads and highway behind it. Thus, the playing surface in left field to the wall extends a whole 310 feet while right field extends to 380 feet and the well-known 302 foot point where Pesky's Pole stands.

For a player like J.D., though used to the glory of the right field, Fenway's fabled left field is where his bread and butter is and it may save his career. The addition of Mike Cameron only solidifies that option as now you have two of the best center fielders in the game and there is no reason to waste one of them on a field that is 70 feet short.

We have seen numerous players moved to left field in order to save their careers, normally from infield positions:

  • Ryan Braun made the switch from third base after an amazing rookie season in Milwaukee.
  • Johnny Damon this past year took on left so as to keep his body more refreshed rather than scrambling around Yankee Stadium's legendary center field.
  • Alfonso Soriano made the switch from second base back in 2006 with the Washington Nationals after the team threatened to disqualify him, which would mean he would have had to forfeit his salary according to Wikipedia.

The switch to left field, especially in Fenway Park may be just what JD needs to keep his bat popping, and legs working/back moving,  like we know he has the ability to do.

So maybe the REAL question is Frozone and Ells… Center or right?

Years of learning, finishing assignments, studying for exams, running up student borrowings. All will be worth the stress when you manage to get a job in the discipline for which you have such zeal.

Now you have got your degree and it is “Welcome to the real world!”. There are careers available, for which you would be the ideal candidate, but they all have the same finishing sentence – must have experience. The confidence you built up during your study at university, knowing that you are obtaining all the latest knowledge in your discipline, seems to count for nothing. Nobody is willing to give you a job because you do not have years of relevant work experience.

Your bubble starts to burst. The CV you so carefully put together is just not able to get you past the agencies and into a job. What can you do? Continuing with the job you were doing at the local coffee shop, bar or restaurant while you were a student is really not what you saw as your career path.

You now need to completely rethink your situation. What are the Best Paid Careers right now? Most graduates have a vast understanding of computers and the net – would it therefore be worth contemplating a job in the Computer Business? Is it worth contemplating the option to Make Money From Home?

You may think that as a young graduate you really do not want to Make Money From Home. You want practice working in an office. But consider having your own Computer Business… You may then be in a position to obtain experience in exactly the field you love. Working for yourself would mean you have all the profits and if in the future you decide you would prefer to work for another company, you could be able to sell your own Computer Business as a going concern.

It may well be that once you have been self employed and become established, you are in a position to provide Best Paid Careers for graduates of the future. How wonderful to know that you have helped yourself originally and are now able to help future students obtain that elusive experience in a working environment.

Maybe you will make your mind up that you like the thought of being able to Make Money From Home – an opportunity which until today you had not considered, but are not sure exactly what sort of work you would be able to do. Look on line for motivation. There are many choices for jobs in the Internet Business, but there are also Best Paid Careers in the franchise industry. Some franchises may be relatively pricey to buy into, but there are others which are relatively cheap, many under £10,000 and it may be that you could buy into such a franchise, therefore establishing your own business, but with some support from the chain.

If as a recent graduate you feel that the option to Work From Home is not right for you, continue your search in your ideal career, offer to do voluntary work for a company who does have links to your chosen role and keep confident that one day you will get there. It may be an employers’ market right now, but there will always be Best Paid Careers and your willingness to gain experience in any form possible will hold you in good stead.

Good luck for the journey ahead!

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Breaking News: Mike Holmgren Agrees to Join Browns

The good news is that he's very well respected throughout the league and suddenly gives the team instant credibility. Also a plus that he's not off the Parcells/Belicheck tree, which as we've seen, hasn't borne a whole lot of good fruit …

News to know: Oracle; craigslist; Yelp; Psystar; Android; Palm

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News from around the state « New Mexico Independent

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Foster Career Networking Night by Michael G. Foster School of Business

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