Showing posts with label online stock trading and investments. Show all posts
Showing posts with label online stock trading and investments. Show all posts

Wednesday, November 17, 2010

personal finance planning


Your daily dose of news and tidbits from the world of money in politics:

DEMOCRATS MORE LIKELY TO PERSONALLY ATTACK OPPONENTS IN ADVERTISEMENTS: According to a recent report by the Wesleyan Media Project, in 2010, �pro-Democratic ads focused on the personal characteristics of Republican candidates in 21 percent of their attack ads� compared to 11 percent of pro-Republican ads. This is up from the 12 percent of Democratic attack ads in 2008 that were focused on personal characteristics. 

The report cautions against claims that this election is unusually negative stating the proportion of negative to positive ads is comparable to 2008. However, the big difference is that among negative ads there is an increase among personal attack ads. Overall, that rate has gone up from 14 percent in 2008 to 20 percent in 2010. The report also mentions that attack ads �are far more likely than other ads to be sponsored by parties and/or interest groups� rather than by candidates themselves.

When making independent expenditures with overt messages in favor or opposition to federal candidates, political groups must tell the Federal Election Commission whether their expenditure is to �support� a candidate or �oppose� a candidate. A Center for Responsive Politics analysis of outside groups� expenditures �opposing� candidates compared to ads �supporting� candidates since October 1st shows �opposing ads� totaling $218 million and supporting ads totaling $42 million. These expenditures include TV ads, radio ads, web ads, fliers, mailings, canvassers, phone banks and other communications:

REPUBLICAN RANKING MEMBERS ARE THE COOL KIDS ON THE BLOCK AGAIN:
Ranking members of House committees are becoming the popular kids. If
the Republicans take over majority in the House, committee ranking
members like Rep. David Camp (R-Mich.) will be the new chairmen. As the
New York Times reported Tuesday, Republicans in positions to become
chairmen of House committees are seeing an influx of cash and popularity
at fundraisers. Camp, the current ranking member of the tax-writing
House Ways and Means Committee is receiving more contributions as
lobbyists plan for the future.



Jennifer Bell, a former Senate Finance Committee aide and a current
health care lobbyist told the New York Times, �You don�t wait until Nov.
3 and say, �What is the plan?� Obviously, it is the majority that sets
the agenda.�



As OpenSecrets Blog reported yesterday, many industries have been
planning ahead and have started to shift contributions to Republicans.
This phenomenon is not unique to this election as contributions have
historically favored the majority party and have fluctuated accordingly.



Below is a Center for Responsive Politics analysis of contributions to
Camp that shows a sharp increase in contributions during the last three
months - through September 30th. The second chart shows the total contributions to all candidates
during the same period for a linear comparison:




U.S. FALLS OUT OF THE TOP 20 LEAST CORRUPT NATIONS LIST: Transparency International released their annual Corruption Perceptions Index on Tuesday revealing that the United States has dropped from the 19th least corrupt nation in 2009 to 22nd place this year. According to Reuters, Nancy Boswell, the President of TI in the United States stated that the United States has lost integrity and public faith about ethics in America due in part to the lending practices in the subprime crisis, �Bernard Madoff's Ponzi scheme and rows over political funding.�

On the bright side, the United States is perceived to be just less corrupt than Uruguay, France, Estonia and Slovenia.

Have a news tip or link to pass along? We want to hear from you! E-mail us at press@crp.org.



Conduct a Financial Fire Drill to Assess Financial Health





We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.


Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.


You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.



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<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

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BillBoard - Blogs - The Buffalo <b>News</b>

The Buffalo News updated every day with news from Buffalo, New York. Links to national and business news, entertainment listings, recipes, sports teams, classified ads, death notices.



 by Julia Delligatti


<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

MAKE TMZ MY HOMEPAGE; TMZ RSS/XML � iPHONE APP � ANDROID APP � TEXT ALERT � FACEBOOK � MYSPACE � TWITTER � YOUTUBE � TIPS � Sign In | Sign Up. HOT SEARCHES: Sebastian Bach | Princess Diana | Brittny Gastineau � TMZ AOL News ...

BillBoard - Blogs - The Buffalo <b>News</b>

The Buffalo News updated every day with news from Buffalo, New York. Links to national and business news, entertainment listings, recipes, sports teams, classified ads, death notices.


alpine payment systems scam

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

MAKE TMZ MY HOMEPAGE; TMZ RSS/XML � iPHONE APP � ANDROID APP � TEXT ALERT � FACEBOOK � MYSPACE � TWITTER � YOUTUBE � TIPS � Sign In | Sign Up. HOT SEARCHES: Sebastian Bach | Princess Diana | Brittny Gastineau � TMZ AOL News ...

BillBoard - Blogs - The Buffalo <b>News</b>

The Buffalo News updated every day with news from Buffalo, New York. Links to national and business news, entertainment listings, recipes, sports teams, classified ads, death notices.


Friday, September 24, 2010

personal finance money management

This post is from staff writer Sierra Black. Sierra writes about frugality, sustainable living, and getting her kids to eat kale at Childwild.com. This post is part of Book Week at Get Rich Slowly.


Since my twin victories of paying off our last credit card and funding a summer of travel, my husband has begun to show interest in personal finance.


It’s not that he wasn’t supportive of my efforts before — he just preferred to support them from a safe, ignorant distance. A distance from which I handed him an envelope of cash each week to do the grocery shopping, he didn’t ask too many questions, and somehow we were climbing out of debt. He was more than happy to adopt any frugal-living strategy I suggested, as long as he didn’t have to think about the Big Picture.


That system worked, but I longed for more active participation from him. Not only because I wanted us to share equally in the journey toward financial freedom — I do want that — but also for a selfish reason. I wanted him to participate because he’s better at this stuff than I am. He’s a whiz at spreadsheets. The man has a Ph.d in Physical Chemistry. You don’t get one of those without doing a few math problems.


Lately, I’ve been getting my wish. My husband has been talking with a financial advisor at the university he works for, and having clear, honest conversations with me about our money.


This seemed like the perfect time for me to read Mary Hunt’s How to Debt-Proof Your Marriage.


Relationship first

Hunt’s book covers the basics of personal finance and debt destruction, with a special focus on doing it as a couple. Before she even begins talking about financial management, Hunt talks about strengthening the foundations of your marriage. You can’t have financial harmony without emotional intimacy, she says.


I couldn’t agree more. It’s clear in my own marriage that spending time relaxing together on vacation helped my husband and me both chill out and have better conversations during our family finance meetings too.


Hunt and I part ways in the chapters about how to achieve that emotional intimacy, though. She bases her prescription for marital bliss on traditional gender roles. She includes chapters for each sex on how to make deposits in the other’s Love Bank — a metaphorical bank of goodwill made of small, loving gestures.


The Love Bank is an adorable idea, one I’m tempted to put into practice here in my own home. I’m pretty sure I won’t be making my deposits to my husband’s Love Bank by biting my tongue when I disagree with him, though. Likewise, I don’t expect him to express his love for me by bringing me flowers and handling all the tough decisions for me like the natural leader of our family should.


Hunt is a generation (or two) older than I am, and what works for her marriage is so foreign to my young, feminist mind that it was actually a little hard to read. But leaving aside the details of how you get to an intimate marriage, though, she and I agree wholeheartedly that it’s important to get your emotional needs met before you can effectively work together with your spouse to manage your finances.


Money second

The personal-finance half of the book will be familiar to most GRS readers. Hunt advocates an approach similar to Your Money or Your Life and Dave Ramsey’s Total Money Makeover, one that begins with calculating your net worth and tracking your expenses. From there, she covers the basics of setting up an emergency fund, creating a spending plan, and starting a debt snowball (though she uses different terms for these steps).


Like her ideal of a healthy relationship, Hunt’s financial advice seems a little dated in places. A lot of it has to do with how to organize your three-ring binders, or how to painstakingly accomplish by-hand calculations that Mint can do for you in a few minutes. If you’re a devotee of the pen-and-paper approach, though, her chapters on how to track and plan your spending are rock solid and detailed enough to easily follow.


The one thing in this book that made me want to put it down, run to my office, and implement it on the spot was, in fact, her filing system. Hunt takes a few pages to go over exactly what personal records you should be keeping, and outlines an elegant effective way to organize them. I spent an hour tearing apart my filing cabinet yesterday as soon as I read those pages. I may not want my marriage to look much like hers, but I’m delighted to have made over my filing cabinet in Mary Hunt’s image.


Different views

There are a few areas where Mary’s financial advice deviates from the usual Get Rich Slowly formula. One is the matter of the debt snowball. She encourages readers to start saving 10% of their income towards an emergency fund immediately, while still paying the minimums on their credit cards. Only after saving up a fully funded six-month emergency fund would Hunt advise you to roll those savings into your credit card payments.


Given the relative interest rates on credit cards and savings accounts, this approach will almost certainly cost you money. If it works for you psychologically, though, by all means pursue it. No matter what order you do them in, the key steps of tracking your spending, creating an emergency fund, and snowballing your debt payments will lead you to financial security.


Another place where she breaks with conventional wisdom is in her savings and spending ratios. GRS readers are familiar with the Balanced Money Formula that encourages us to use 50% of our money for living expenses, 30% for fun and 20% for savings. Hunt advises 10% for giving, 10% for saving and 80% for spending.


The order of those percentages is vital to her. A devout Christian, Hunt feels that all the money that comes into your life is a blessing from God, and promptly giving 10% of it back to God shows you can be trusted with this blessing, and more of it will come your way.


I’m not a Christian, but I admire Mary’s faith and devotion to charitable giving. It’s a goal of mine to give 10% of my income. I’ve written about that here before, and readers made a persuasive case for waiting until my debts were paid before giving so much away. For now, I give a modest amount and look forward to giving more in the future.


I think that for Hunt, the psychological benefits of giving 10% and saving 10% before you make any spending decisions at all outweigh the financial benefits of paying off your debts as fast as possible and then beginning to accumulate and donate wealth.


It’s an interesting approach, and one that might work for a lot of people. Particularly if you’re a devoted Christian and looking for a personal-finance book that reflects your values, you’ll find a lot of good in How to Debt-Proof Your Marriage. If you’re looking for a book that’s totally focused on financial savvy and relationship skills, though, this might not be your best bet.











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We at ABC's World News are heading out to search for innovative ideas that are helping turn the economy around. Real change is often born out of a simple act. And one ripple can lead to a powerful transformation.

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We spotted singer Michelle Williams out and about during London Fashion Week wearing a sparkly silver shift dress with matching heels. Does she look too thin? Her arms look like they could snap lik...


Middle East Countries Race for Nuclear Power

(Sept. 24) -- Nations in the Middle East, rich in oil, natural gas and volatile politics, are pursuing nuclear power with a headlong vigor that gives some analysts pause.

Diane Sawyer: ABC World <b>News</b> Goes Home: Looking for What Works in <b>...</b>

We at ABC's World News are heading out to search for innovative ideas that are helping turn the economy around. Real change is often born out of a simple act. And one ripple can lead to a powerful transformation.

Michelle Williams Looks Really Skinny At Fashion Week - Starpulse.com

We spotted singer Michelle Williams out and about during London Fashion Week wearing a sparkly silver shift dress with matching heels. Does she look too thin? Her arms look like they could snap lik...


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Middle East Countries Race for Nuclear Power

(Sept. 24) -- Nations in the Middle East, rich in oil, natural gas and volatile politics, are pursuing nuclear power with a headlong vigor that gives some analysts pause.

Diane Sawyer: ABC World <b>News</b> Goes Home: Looking for What Works in <b>...</b>

We at ABC's World News are heading out to search for innovative ideas that are helping turn the economy around. Real change is often born out of a simple act. And one ripple can lead to a powerful transformation.

Michelle Williams Looks Really Skinny At Fashion Week - Starpulse.com

We spotted singer Michelle Williams out and about during London Fashion Week wearing a sparkly silver shift dress with matching heels. Does she look too thin? Her arms look like they could snap lik...



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managing your personal finance


A lot of people are unemployed in this country, 14.9 million as of the latest BLS release a couple of days ago, and for some of those people, this has become what is coyly referred to as ‘the entrepreneurial moment’, the ‘ah-ha’ light-bulb realization that if they don’t create a job for themselves, there will be no job, no income, no mortgage payment, no groceries, no light, no heat, no gas for the car, nuthin’. Since 2008, over 5 million jobs have been lost, many of which will never, ever come back.


Welcome to Labor Day, 2010.


Some of these ‘lost’ jobs have been outsourced overseas. Some have just been cut. Some companies are using their cash to invest in technologies which will insure that they will never have to hire these folks back, at least not with the skills that they had when they were given a cardboard box and five minutes to empty their desks and get out the front door.


If there are people out there who have or are considering building their own ‘life raft’ it would surprise absolutely no one; though for some folks, entrepreneurship is so scary, they can’t imagine anything other than hiring on to someone else’s deal, no matter how horrible it is.


Sometimes, though, you don’t have any choice. One thing to remember, is that many of the most successful entrepreneurs in this country have not invented fuel cells, high tech photovoltaic films, high speed transit, a cure for cancer (or the common cold), or the answer for peace in our time. They are cleaning houses, making pizza, fixing computers/ipods/iphones/cars/furnaces/plumbing/household electric, managing other people’s systems, giving advice, making clothing for people who are outside the common size ranges in the stores.


Not exactly operating a basement boiler room financial situation, doing crazy financial stuff, or stirring up the pot on international finance.


At its most basic, it’s local; at its most interesting, it might even be regional. But it is still person to person; it’s still me doing business with you. Face to face. My hands and brain doing stuff to help you. Some of this is amazingly low tech – some of it is almost medieval.


This week’s fascinating story comes from the New York Times about a family of knife sharpeners who have thrown a new curve on this ancient of trades by providing two sets of knives to butchers, restaurants, food services (in Yankee Stadium, for heaven’s sake), and calling on a weekly basis to pick up the used set and providing the newly sharpened set.


Anyone who does any real work in a kitchen at all knows that your most important tools are a good set of knives and a good frying and sauce pan. With those three things, you can do almost anything (and yes, I have made cookies in the bottom of a frying pan; thank you for asking), but if your knives are dull, cutting anything becomes horrible work and you can injure yourself badly. “Every week, the company visits more than 800 clients and collects more than 8,000 knives to be replaced with freshly sharpened blades. The service costs $2.50 to $3.50 per knife.


The business started servicing mainly butchers and meatpackers, in territories handed down from father to son. To preserve the business for his children, Mr. Ambrosi expanded it to restaurants and even Yankee Stadium, in some cases deviating from long-held tradition. Many cooks and chefs take personal pride in their knives and their ability to maintain them, and would hesitate to release them to anyone else’s care. But sharpening a knife takes time and skill — and not every chef has both.”


Having a skill and honing (sorry) that so that you can provide something that someone else can not (or will not) do, whether it is being an electrician, a plumber, a welder, a knife sharpener, a shoe repair shop, a hair dresser, whatever it is – can make the difference in today’s international economy between being able to make a living for your family and holding your head in your hands. One of America’s biggest mistakes as far as education is concerned (and others might just argue with me) is that we “jumped the shark” in terms of absorbing people coming out of colleges.


Since the 1980s, kids coming out of college have had fewer and lower level opportunities. Jobs which absorbed high schoolers, now require a 2 or 4 year degree; job that required a college degree started to require a masters degree; some jobs which required a college degree and some internal training, now require advanced degrees – I even know of jobs that now require a legal degree to be hired which 30 years ago required a college degree and passing a test. So much emphasis was placed on going to college – and vocational training and the trades were so downgraded and derided that any family with a kid with two brain cells to rub together would not even THINK of encouraging that kid to go into the trades, unless the family was already in the business.


We’re now at a situation where companies, which shot themselves in the foot by sending skilled jobs overseas and now want to bring them back because costs overseas have risen and/or they are tired of their intellectual property being stolen and sold to others, can’t find the skills they want. Not to put too fine a point on this – those same companies have not done any training themselves; nor are they willing to do so. They got into the habit a long time ago of pushing the investment in training off on others. The government for one.


The other, which has willingly and consistently provided training in the trades for years are the unions. Organized labor. The Great Satan of the industrial world. The guys everyone loves to hate. The organizations which, according to many employers, stand in their way of succeeding in business.


But still, the organization which has kept skills alive in this country despite outsourcing, overseas sourcing, attacks from business and government, and general antipathy from great swaths of the American population in certain parts of the country.


So. On this frankly very sad Labor Day, 2010, I’d like to thank the American Labor Movement for remembering what America and Americans do best and what we need to do on an increasing basis if we are to put people back to work – or if we are to have businesses to call our own: Do stuff with our hands.


Thanks folks. You’re not perfection, but you’re willing to invest in Americans.


Happy Labor Day






Are you a fan of the GTD personal productivity system? Well if you like "Getting Things Done," here's GFD, Getting Finances Done, which shows you how to map David Allen's same principals to managing your personal finance and achieving your financial goals.



Applying GTD principles to your personal finances - Part 1 [Getting Finances Done]








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<b>News</b> Roundup: &#39;Modern Family&#39; Wins the Ratings, Lifetime Renews <b>...</b>

Last night's big ratings winner also won big at the Emmys last month: The 'Modern Family' topped the night with its season 2 premiere, which.

Tax The Rich! (9pm Saturday on Fox <b>News</b> Channel) « John Stossel

In my weekend special, The Battle for the Future -- it airs Saturday at 9pm and Sunday at 8 PM and.

BREAKING <b>NEWS</b>: Lindsay Lohan Ordered Back To Jail; Bail Revoked <b>...</b>

Lindsay Lohan is going back to jail. In a stunning move, Los Angeles Superior Court Judge Elden Fox threw the book at Lohan Friday morning in Beverly Hills, revoking her bail and ordering her back to jail. PHOTOS: Lindsay Lohan Arrives ...


<b>News</b> Roundup: &#39;Modern Family&#39; Wins the Ratings, Lifetime Renews <b>...</b>

Last night's big ratings winner also won big at the Emmys last month: The 'Modern Family' topped the night with its season 2 premiere, which.

Tax The Rich! (9pm Saturday on Fox <b>News</b> Channel) « John Stossel

In my weekend special, The Battle for the Future -- it airs Saturday at 9pm and Sunday at 8 PM and.

BREAKING <b>NEWS</b>: Lindsay Lohan Ordered Back To Jail; Bail Revoked <b>...</b>

Lindsay Lohan is going back to jail. In a stunning move, Los Angeles Superior Court Judge Elden Fox threw the book at Lohan Friday morning in Beverly Hills, revoking her bail and ordering her back to jail. PHOTOS: Lindsay Lohan Arrives ...


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<b>News</b> Roundup: &#39;Modern Family&#39; Wins the Ratings, Lifetime Renews <b>...</b>

Last night's big ratings winner also won big at the Emmys last month: The 'Modern Family' topped the night with its season 2 premiere, which.

Tax The Rich! (9pm Saturday on Fox <b>News</b> Channel) « John Stossel

In my weekend special, The Battle for the Future -- it airs Saturday at 9pm and Sunday at 8 PM and.

BREAKING <b>NEWS</b>: Lindsay Lohan Ordered Back To Jail; Bail Revoked <b>...</b>

Lindsay Lohan is going back to jail. In a stunning move, Los Angeles Superior Court Judge Elden Fox threw the book at Lohan Friday morning in Beverly Hills, revoking her bail and ordering her back to jail. PHOTOS: Lindsay Lohan Arrives ...



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G20 Summit, London, G20 London, G20 Protests, G20 Demonstrations by G20London2009






























Saturday, September 18, 2010

personal finance manager


(CNN)- With one day to go until the primary, an ugly GOP Senate nomination battle in Delaware is getting even uglier.


The Tea Party Express, the California based national Tea Party organization that's backing conservative candidate Christine O'Donnell, is demanding that Delaware Republican Party Chairman Tom Ross resign.


Ross is supporting former governor and nine-term state-wide Rep. Mike Castle in the contest. In May, at the state GOP convention, the moderate congressman and former two-term governor defeated O'Donnell, a conservative commentator and marketing consultant who ran unsuccessfully for the Senate in 2006 and 2008.


Tea Party Express endorsed O'Donnell earlier this summer and in the past two weeks went up with ads attacking Castle as too moderate. The group says they'll spend at least $250,000 on behalf of O'Donnell. A similar last minute blitz by the Tea Party Express last month was credited in helping conservative candidate Joe Miller top Sen. Lisa Murkowski in Alaska's Republican primary.



Ross has become very vocal in the past two weeks in criticizing O'Donnell and the Tea Party Express's involvement in the race.


Sunday night the Tea Party Express laid out an ultimatum.


"Tom Ross must resign within the next 24 hours or face immediate termination," declared Amy Kremer, Chairman of the Tea Party Express. "As Mike Castle's chief advocate, Mr. Ross has trashed Republican candidates, beliefs and principles, and shown a complete lack of character or integrity. He is a walking disaster who has brought irreparable harm to the Republican Party."


In an email release, the Tea Party Express said they were calling for the resignation in conjunction with a coalition of Delaware Republicans and conservative activists.


In a statement to CNN, the Delaware Republican Party fired back.


"As party chairman, Tom Ross is supporting the candidates that were elected by grassroots Delaware Republicans at the convention in May. A California political consultant who's never lived a day of her life in Delaware and is currently under investigation by the FEC for illegally coordinating with the O'Donnell campaign is the last person who should be calling for anyone's resignation," said Delaware GOP Communications Director Tom Doheny.


The investigation Doheney mentioned refers to a formal complaint the Republican Party of Delaware filed with the Federal Election Commission, accusing one of its own Senate candidates of illegally collaborating with the Tea Party Express. The Tea Party Express denies wrongdoing.


The series of TV and radio ads by the Tea Party Express attack Castle as a liberal candidate who "just keeps supporting the failed policies of Nancy Pelosi and Harry Reid."


The Castle campaign has also fought back.


"Out-of-state interest groups have threatened to spend half a million dollars to fund the disgusting tactics being used by the O'Donnell campaign to make accusations," said Castle campaign manager Mike Quaranta.


Meanwhile, the Castle campaign has launched therealchristine.com, a site devoted to aggregating negative news about O'Donnell. O'Donnell has faced criticism over her personal finance issues and leftover debt from previous, unsuccessful bids for a Delaware Senate seat. She has also been accused of misstating the results of her run against Joe Biden.


The winner of Tuesday's primary will face off in November against New Castle County Executive Chris Coons, the presumptive Democratic nominee, in the battle to fill the final four years of Vice President Joe Biden's final term. Biden stepped down from the Senate after his election in November 2008 as vice president. Former Biden aide Ted Kaufman was named as an interim replacement. Kaufman is not running for a full term.


Follow Paul Steinhauser on Twitter: @PsteinhauserCNN



CNN's Alison Harding contributed to this report



Washington (CNN) - Fresh on the heels of Joe Miller's surprising win over Sen. Lisa Murkowski in the Alaska Republican Senate primary, the Tea Party movement is setting its sights on Delaware.


Now the Delaware Republican Party is taking heed – and taking on – the Tea Party-backed candidate in the state's Republican Senate primary, sparking a war of words between the state's establishment GOP and the Tea Party movement.


It's a race that pits conservative Tea Party favorite Christine O'Donnell against moderate Rep. Mike Castle, Delaware's former two-term governor and lone Congressman since 1993.


Both candidates' campaigns have become increasingly caustic, especially as Tea Party-backed candidates across the country have picked up win after win against GOP establishment candidates.


The Tea Party Express endorsed the conservative O'Donnell in July, and recently committed to spending at least six-figures in the state.


"We are launching an aggressive multimedia and multi-platform campaign to help propel Christine O'Donnell to victory, and we've only just begun," Amy Kremer, Chairman of the Tea Party Express, said in a statement.


The group originally planned to spend about $250,000 on the race, but is now considering expanding their presence with TV and radio ad buys in Philadelphia, said Tea Party Express political director Joe Wierzbicki.


A similar last minute media blitz by the Tea Party Express is credited with propelling Miller – a formerly little known candidate – to victory over Murkowski, the Republican Party-backed incumbent.


The group launched a series of TV and radio ads Thursday that support O'Donnell, and rail against Castle as a liberal candidate who "just keeps supporting the failed policies of Nancy Pelosi and Harry Reid."


It's a move that has the Castle campaign fighting back.


"Out-of-state interest groups have threatened to spend half a million dollars to fund the disgusting tactics being used by the O'Donnell campaign to make accusations," said Castle campaign manager Mike Quaranta.


Meanwhile, the Castle campaign has launched therealchristine.com, a site devoted to aggregating negative news about O'Donnell.


Tom Ross, state committee chairman of the Delaware Republican Party, defended the negative nature of the site. "The stories might not be flattering, but they are factual. ...Sometimes it is necessary to make sure that the facts get out there," Ross said.


O'Donnell has faced criticism over her personal finance issues and leftover debt from previous, unsuccessful bids for a Delaware Senate seat. She has also been accused of misstating the results of her run against Joe Biden.


When asked to clarify her remarks in an interview Thursday with radio host Dan Gaffney of WGMD, O'Donnell seemed to grow increasingly frustrated, and ultimately blamed her statements on a grueling campaign schedule.


Ross, who is backing Castle, said that O'Donnell's history is troubling.


"This is a group and candidate that clearly seem to have a problem with facts. It is shocking that they would come in and support a candidate of Christine O'Donnell's ilk," he said.


"It is sad that the group didn't investigate the candidate that they're supporting… and surprising they would take their supporters' money that they donated and squander it in such a fashion," Ross said.


Ross also questioned whether O'Donnell is capable of pulling off an upset similar to Miller's win in Alaska.


"In Alaska, it was that Joe Miller is an Ivy League grad, a war hero, excellent standing in the community," Ross said. "Look at Christine O'Donnell. She has none of those attributes. She is career politician. She's run unsuccessfully for Senate three times."


Yet, Wierzbicki criticized Ross for dismissing O'Donnell, calling her a true conservative.


" is everything that is wrong with the establishment of the Republican Party. He should be fired for serving to undermine a Republican candidate who stands on conservative principles. It's his job to advance all Republicans in the state of Delaware. Instead he has become a tool for those who wish to thwart the Republican Party platform and turn the GOP into a Democrat-lite outfit. We find him reprehensible and shameless," Wierzbicki said.


Republican Gov. Chris Christie of neighboring New Jersey endorsed Castle Thursday.


The winner will face Democrat Chris Coons in the race for Vice President Joe Biden's former seat.



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Scripting <b>News</b>: Yes, Virginia, there are two ways to read RSS

The kind of flow almost everyone agrees is suited to River of News are feeds from news orgs like Reuters, the BBC and Guardian, AP, the Washington Post. They're constantly publishing links to stories, many of them different views of the ...

Sarah Palin Calls On Fox <b>News</b> To Help Republicans Campaign For <b>...</b>

In a speech at the Iowa Republican Party's Reagan Dinner fundraiser on Friday, former Alaska governor Sarah Palin called on the GOP to come together and support the party's nominees in November.

<b>News</b> - Lindsay Lohan: Failed Drug Test Report Is &quot;Nuts <b>...</b>

After it's reported that she flunked a drug test and could go back to jail, she tells Us, "I'm fine"



Oil Reserves in Doubt by Michael P. Whelan




































Tuesday, September 14, 2010

personal finance budgets


Behold: the most profoundly pessimistic attack ad of 2010. Meg Whitman has delivered unto us a masterpiece of dirty politics.



What is most striking about this already-infamous ad isn't the boldness of its mendacity--though it certainly has that--but the cynicism of its timing. It's the sort of unabashedly nasty hit that one would expect just days before an election, and even then only from an outside interest group. Yet here it is, delivered to us in early September with Meg Whitman's name right there on the card. By not only producing so brazen a piece of misinformation but also airing it with more than enough time to effectively rebut, Whitman is betting the house on the politics of personal animosity.



If you live in California or happen to be a political junkie, you've no doubt seen it already and can skip the next paragraph. But for those of you who have avoided it (probably due to a weak stomach or some lingering, endangered shred of personal or political optimism) here's a recap:



Bill Clinton, in a 1992 debate, sits face-to-face with Jerry Brown. Brown looks at Clinton like a kid called to the principal's office. Clinton blasts Brown as a tax-raising liar: "CNN, not me, CNN says his assertion about his tax record was, quote, 'just plain wrong.' He raised taxes as Governor of California. He doesn't tell the people the truth." That's two levels of surrogate Whitman is hiding behind, for those of you keeping track. On its own, the ad is devastating.



There's just one little problem: That CNN report turned out to be "just plain wrong," and Whitman's campaign--like all interested parties--has been fully aware of that for some time. From what the San Jose Mercury-News has been able to piece together, the CNN report used the wrong years both in determining the base of comparison and in identifying the budgets Brown had control over. This made it seem Brown was responsible for a sizable tax increase during Reagan's last year in office and failed to give him credit for tax cuts later in his tenure. The LA Times and California Department of Finance also revisited the numbers and found them to be outright wrong, for the same reasons, in the same ways. Brown was telling the truth. He had cut taxes as Governor of California.



Whitman knew full well that the story was a lie, but she wanted to repeat it all the same. The excuse her communications director offered the Mercury-News: "Bill Clinton, not me, said Jerry Brown 'doesn't tell people the truth.'" Sound familiar?



But this ad is so much more perverse than any simple repetition of untruths. It practically baits a popular former president into entering the fray on the side of Whitman's opponent, yet rests comfortably on the belief that personal grievances and misgivings will trump ethics and ideology to prevent any serious intervention by Clinton or one of the nation's most popular fact checkers.



Yes, in case you missed it, there is yet another personality being ironically misused by this ad. Brooks Jackson, the reporter responsible for this particular "oopsie," now heads FactCheck.org. If you didn't already know that, give yourself a moment to let it sink in: The man whose erroneous report is still fueling factually-incorrect campaign advertisements nearly two decades later is also the guy we all run to when we question the veracity of claims in a political advertisement.



For his part, Jackson acknowledged the error on FactCheck.org in a manner only slightly more embarrassing than admirable. Unlike other political ads targeted by FactCheck, the correction has yet to warrant an actual article on the site. Jackson did, however, post a blog entry on the topic on one of the site's secondary pages. It fails to even mention the Clinton ad and generally reads more like a lengthy rationalization than a correction. He even works in the astonishing insinuation that Prop 13 was a reaction to Brown's high taxes. (Prop 13, patently a reaction to soaring property values and their impact on property tax rates, was not included in the figures used to correct Jackson's report.) After muddying the waters for seven paragraphs, he concludes that state taxes "increased during four of Brown's eight years, and during six of those years they were higher than before he took office. But they were lower during his final two years."



The Mercury-News, State Department of Finance and Associated Press see things a little differently. By about $16 billion in tax cuts during Brown's first seven years in office, and $4 billion in savings per year between 1978 and 1982. Not counting the savings from Prop 13. So much for a gentleman admitting he was wrong.



Not that Jackson matters much to Brown's campaign. Both Brown and Whitman know that only one man can make this ad backfire on Whitman: former president Clinton. Whitman is betting (perhaps unwisely, given Clinton's general election campaigning for Barack Obama,) that 18 years after their bitter battle for the Democratic nomination, Clinton still hates Brown so much that he will refuse defend him with any real conviction.



Exactly how acrimonious was the Clinton-Brown contest? The clip in Whitman's ad might be called one of its more friendly exchanges.



In what was widely taken as an allusion to Brown's onslaught of attacks on Clinton's character, Jesse Jackson opened one debate by chastising the candidates for getting too caught up in "attacks and counterattacks." It didn't slow Brown down. Later that evening, he accused Clinton of racial insensitivity for playing golf at a whites-only country club and using black prisoners as campaign props.



At the final debate, when Brown (not without his own, similar conflicts of interest,) accused Clinton of "funneling money to his wife's law firm," Clinton shot back, "You're not worth being on the same platform as my wife."



The highlight (or low point) of that debate was when Clinton said, "I feel sorry for Jerry Brown... He asked me to support him for President once." When a moderator asked if he did, Clinton didn't miss a beat before shooting back, "Of course not." Footage circulated from the night appears to show gathered reporters roaring with laughter. Whitman probably has that ad already in the can.



In an email blast from Brown's campaign the morning the ad came out, Brown was quick to let Clinton off the hook. The former president had "later learned" that the numbers were incorrect, according to the letter to supporters. But it's a lot easier for Jerry Brown to play nice for the sake of his own campaign than it will be for Bill Clinton, who doesn't need any favors, to come riding to Brown's rescue.



Is Clinton still unable to put the past behind him?



Pundits have pointed to his early support for Gavin Newsom over Brown as proof that he still holds a grudge. But was Clinton's support of Newsom the result of his decades-old feud with Brown, or of a more recently developed loyalty? Newsom was a very vocal, enthusiastic supporter of Hillary Clinton during the 2008 primaries.



Ironically, that support might have been born out of the former San Francisco Mayor's own feud with another Democratic president. In 2007, Newsom implied to Reuters that Obama, "As God is my witness, will not be photographed with me, will not be in the same room with me." At issue was Newsom's having granted marriage licenses to same-sex couples.



The Obama-Newsom feud was verified in early 2008, when Willie Brown (backed by several Newsom staffers) gave a much more detailed account of the disputed incident to the San Francisco Chronicle. Obama's campaign denied the accusation, telling Politico that the incoming president was so "pissed" over the stories that the new administration "may give San Francisco to Canada."



Newsom might well have supported Hillary Clinton just as enthusiastically regardless of his personal feelings about Obama. Still, it's tempting to imagine that his feud with the current president might have, just as much as Bill Clinton's animosity toward Jerry Brown, circuitously earned him the former president's support. In politics, there is seldom a single reason for anything, and with so many personal feuds and vendettas driving the nation's politics, it's more than a little difficult to keep straight which one is motivating whom and when.



Will Clinton step in? If he wants to keep that "team player" image he so carefully rebuilt during the 2008 general election, he'll have to. But will he do so looking like an angry, misused Brown supporter or a fellow Democrat forced by party allegiance to go through the motions? I don't know.



What I can say with certainty is that Meg Whitman doesn't even take seriously the possibility that Bill Clinton would rather campaign for Jerry Brown than be seen as the man responsible for costing Democrats the California governor's mansion.



Update: Around the time that this posted, stories about Brown's remarks about Clinton at a campaign event Sunday were beginning to spread. So it seems that Whitman was probably right. "No matter how cynical you become, it's never enough to keep up." - Lily Tomlin.







Behold: the most profoundly pessimistic attack ad of 2010. Meg Whitman has delivered unto us a masterpiece of dirty politics.



What is most striking about this already-infamous ad isn't the boldness of its mendacity--though it certainly has that--but the cynicism of its timing. It's the sort of unabashedly nasty hit that one would expect just days before an election, and even then only from an outside interest group. Yet here it is, delivered to us in early September with Meg Whitman's name right there on the card. By not only producing so brazen a piece of misinformation but also airing it with more than enough time to effectively rebut, Whitman is betting the house on the politics of personal animosity.



If you live in California or happen to be a political junkie, you've no doubt seen it already and can skip the next paragraph. But for those of you who have avoided it (probably due to a weak stomach or some lingering, endangered shred of personal or political optimism) here's a recap:



Bill Clinton, in a 1992 debate, sits face-to-face with Jerry Brown. Brown looks at Clinton like a kid called to the principal's office. Clinton blasts Brown as a tax-raising liar: "CNN, not me, CNN says his assertion about his tax record was, quote, 'just plain wrong.' He raised taxes as Governor of California. He doesn't tell the people the truth." That's two levels of surrogate Whitman is hiding behind, for those of you keeping track. On its own, the ad is devastating.



There's just one little problem: That CNN report turned out to be "just plain wrong," and Whitman's campaign--like all interested parties--has been fully aware of that for some time. From what the San Jose Mercury-News has been able to piece together, the CNN report used the wrong years both in determining the base of comparison and in identifying the budgets Brown had control over. This made it seem Brown was responsible for a sizable tax increase during Reagan's last year in office and failed to give him credit for tax cuts later in his tenure. The LA Times and California Department of Finance also revisited the numbers and found them to be outright wrong, for the same reasons, in the same ways. Brown was telling the truth. He had cut taxes as Governor of California.



Whitman knew full well that the story was a lie, but she wanted to repeat it all the same. The excuse her communications director offered the Mercury-News: "Bill Clinton, not me, said Jerry Brown 'doesn't tell people the truth.'" Sound familiar?



But this ad is so much more perverse than any simple repetition of untruths. It practically baits a popular former president into entering the fray on the side of Whitman's opponent, yet rests comfortably on the belief that personal grievances and misgivings will trump ethics and ideology to prevent any serious intervention by Clinton or one of the nation's most popular fact checkers.



Yes, in case you missed it, there is yet another personality being ironically misused by this ad. Brooks Jackson, the reporter responsible for this particular "oopsie," now heads FactCheck.org. If you didn't already know that, give yourself a moment to let it sink in: The man whose erroneous report is still fueling factually-incorrect campaign advertisements nearly two decades later is also the guy we all run to when we question the veracity of claims in a political advertisement.



For his part, Jackson acknowledged the error on FactCheck.org in a manner only slightly more embarrassing than admirable. Unlike other political ads targeted by FactCheck, the correction has yet to warrant an actual article on the site. Jackson did, however, post a blog entry on the topic on one of the site's secondary pages. It fails to even mention the Clinton ad and generally reads more like a lengthy rationalization than a correction. He even works in the astonishing insinuation that Prop 13 was a reaction to Brown's high taxes. (Prop 13, patently a reaction to soaring property values and their impact on property tax rates, was not included in the figures used to correct Jackson's report.) After muddying the waters for seven paragraphs, he concludes that state taxes "increased during four of Brown's eight years, and during six of those years they were higher than before he took office. But they were lower during his final two years."



The Mercury-News, State Department of Finance and Associated Press see things a little differently. By about $16 billion in tax cuts during Brown's first seven years in office, and $4 billion in savings per year between 1978 and 1982. Not counting the savings from Prop 13. So much for a gentleman admitting he was wrong.



Not that Jackson matters much to Brown's campaign. Both Brown and Whitman know that only one man can make this ad backfire on Whitman: former president Clinton. Whitman is betting (perhaps unwisely, given Clinton's general election campaigning for Barack Obama,) that 18 years after their bitter battle for the Democratic nomination, Clinton still hates Brown so much that he will refuse defend him with any real conviction.



Exactly how acrimonious was the Clinton-Brown contest? The clip in Whitman's ad might be called one of its more friendly exchanges.



In what was widely taken as an allusion to Brown's onslaught of attacks on Clinton's character, Jesse Jackson opened one debate by chastising the candidates for getting too caught up in "attacks and counterattacks." It didn't slow Brown down. Later that evening, he accused Clinton of racial insensitivity for playing golf at a whites-only country club and using black prisoners as campaign props.



At the final debate, when Brown (not without his own, similar conflicts of interest,) accused Clinton of "funneling money to his wife's law firm," Clinton shot back, "You're not worth being on the same platform as my wife."



The highlight (or low point) of that debate was when Clinton said, "I feel sorry for Jerry Brown... He asked me to support him for President once." When a moderator asked if he did, Clinton didn't miss a beat before shooting back, "Of course not." Footage circulated from the night appears to show gathered reporters roaring with laughter. Whitman probably has that ad already in the can.



In an email blast from Brown's campaign the morning the ad came out, Brown was quick to let Clinton off the hook. The former president had "later learned" that the numbers were incorrect, according to the letter to supporters. But it's a lot easier for Jerry Brown to play nice for the sake of his own campaign than it will be for Bill Clinton, who doesn't need any favors, to come riding to Brown's rescue.



Is Clinton still unable to put the past behind him?



Pundits have pointed to his early support for Gavin Newsom over Brown as proof that he still holds a grudge. But was Clinton's support of Newsom the result of his decades-old feud with Brown, or of a more recently developed loyalty? Newsom was a very vocal, enthusiastic supporter of Hillary Clinton during the 2008 primaries.



Ironically, that support might have been born out of the former San Francisco Mayor's own feud with another Democratic president. In 2007, Newsom implied to Reuters that Obama, "As God is my witness, will not be photographed with me, will not be in the same room with me." At issue was Newsom's having granted marriage licenses to same-sex couples.



The Obama-Newsom feud was verified in early 2008, when Willie Brown (backed by several Newsom staffers) gave a much more detailed account of the disputed incident to the San Francisco Chronicle. Obama's campaign denied the accusation, telling Politico that the incoming president was so "pissed" over the stories that the new administration "may give San Francisco to Canada."



Newsom might well have supported Hillary Clinton just as enthusiastically regardless of his personal feelings about Obama. Still, it's tempting to imagine that his feud with the current president might have, just as much as Bill Clinton's animosity toward Jerry Brown, circuitously earned him the former president's support. In politics, there is seldom a single reason for anything, and with so many personal feuds and vendettas driving the nation's politics, it's more than a little difficult to keep straight which one is motivating whom and when.



Will Clinton step in? If he wants to keep that "team player" image he so carefully rebuilt during the 2008 general election, he'll have to. But will he do so looking like an angry, misused Brown supporter or a fellow Democrat forced by party allegiance to go through the motions? I don't know.



What I can say with certainty is that Meg Whitman doesn't even take seriously the possibility that Bill Clinton would rather campaign for Jerry Brown than be seen as the man responsible for costing Democrats the California governor's mansion.



Update: Around the time that this posted, stories about Brown's remarks about Clinton at a campaign event Sunday were beginning to spread. So it seems that Whitman was probably right. "No matter how cynical you become, it's never enough to keep up." - Lily Tomlin.







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Pew Research: More People Got Their <b>News</b> Online Yesterday Than <b>...</b>

The Pew Research Center, which regularly surveys US consumers about their media consumption habits, put out a report which shows that more people are getting their news online than from print newspapers. In response to a survey question ...

Olympus E-5 professional DSLR announced and previewed: Digital <b>...</b>

Olympus E-5 professional DSLR announced and previewed: Olympus has announced the E-5 professional DSLR, replacing the E-3. Almost three years after launching its predecessor, the company has refreshed its professional flagship to ...

Famed Civil Rights Photographer Ernest Withers Exposed as FBI <b>...</b>

(Sept. 14) -- Civil rights photographer Ernest Withers did double duty as an FBI informant, divulging the most intimate and potentially damaging secrets of his confidants to a government agency then dedicated to discrediting the ...



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Pew Research: More People Got Their <b>News</b> Online Yesterday Than <b>...</b>

The Pew Research Center, which regularly surveys US consumers about their media consumption habits, put out a report which shows that more people are getting their news online than from print newspapers. In response to a survey question ...

Olympus E-5 professional DSLR announced and previewed: Digital <b>...</b>

Olympus E-5 professional DSLR announced and previewed: Olympus has announced the E-5 professional DSLR, replacing the E-3. Almost three years after launching its predecessor, the company has refreshed its professional flagship to ...

Famed Civil Rights Photographer Ernest Withers Exposed as FBI <b>...</b>

(Sept. 14) -- Civil rights photographer Ernest Withers did double duty as an FBI informant, divulging the most intimate and potentially damaging secrets of his confidants to a government agency then dedicated to discrediting the ...


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Thursday, September 2, 2010

personal finance money management

If you are having a tough time understanding the nitty gritty of your mortgage, like the total interest you’ll end up paying and the monthly payments you’ll need to make, then you might as well use this simple web based tool called the AmortizationLoanCalculator.

It asks you for the principal loan amount, the loan term and the annual interest rate and returns a table that’s an amortization schedule showing your periodic payments, what part of it is going towards paying the principal and the interest, and the overall interest you pay in the lifetime of the mortgage.

As you can see in the above screenshot, the table is pretty easy understand. The C Prin and C Int stand for cumulative principal and cumulative interest respectively.

Features

  • Online calculator for calculating loan payments and interest.
  • Simple interface; no sign up required.
  • Enter the principal amount, loan term and annual interest rate.
  • Amortization schedule with cumulative rates and amounts displayed.

Check out AmortizationLoanCalculator @ amortizationloancalculator.net/index.php (By Abhijeet from Guiding Tech)


Now that Wesabe is officially closed, many users are looking for an alternative that offers the same flexibility and features -- for many this alternative is, or should be MoneyStrands.



MoneyStrands is a free tool that has helped people manage their money online since it launched in March 2009 -- and in short order has won a Webby award for the best of the web in the banking and bill-pay category. This honor is no surprise when you consider that MoneyStrands offers features you won't find in many competing tools such as Mint.



Like all modern personal finance tools, MoneyStrands can connect to a large number of banking and financial institutions, but unlike most competitors gives users the ability to manually upload their account data. This option is a must-have for those who don't want to give their login info to a third party, or who bank at a smaller bank or credit union that personal finance tools cannot connect to for automatic updates.



MoneyStrands also sets itself apart from the competition because it is designed to make it easy for international and non-English speaking users to use the tool. The MoneyStrands website can be viewed in both English and Spanish with a toggle in the settings and users can choose their preferred currency from a long list. According to MoneyStrands, consumers use the service in 44 countries.



These features supplement the standard account linking and money management that the MoneyStrands tool handles well. Users can view spending and account history in one location as well as compare spending in categories such as shopping, food & dining and more to see how they stack up to the rest of the community. Filters allow you to compare yourself to other members based on age, gender, marital status, education and other variables.



MoneyStrands also has a budgeting tool that tracks spending and sets email alerts when a budget category reaches a certain level so spending can be put in check. The tool is fairly simple and requires users to figure out their own goals, but Atakan Cetinsoy, General Manager of MoneyStrands told WalletPop in a phone interview that an improved budgeting tool that walks users through the process is coming in the next few months.



MoneyStrands is easy to use and offers significant value to users; especially those who can't or don't want to link their accounts directly to a third-party service.

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Stabroek <b>News</b> - Retirement plans caught up in Clico (Guyana) upheaval

Perhaps Stabroek News can shed some light on this issue for me. Was CLICO owned and controlled by the Government of Guyana? Was CLICO insured by the government of Guyana? Did the government of Guyana cause CLICO to fail? ...

CBS <b>News</b> - Daily Beast - Rebecca Dana | &quot;Perverse Hobby&quot; | Mediaite

The Daily Beast's Rebecca Dana wrote yesterday about the implosion and collapse at CBS News, focusing on a variety of issues - from ratings to business cards. Today, CBS News fires back, responding directly to the fabrications in the ...

Democrats Accuse Fox <b>News</b> Of Illegal Support To Ohio Republican <b>...</b>

Democrats allege in a legal filing that, by plugging an Ohio gubernatorial candidate's website in a chyron, Fox News illegally contributed to the Republican's campaign.



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Wednesday, September 1, 2010

managing your personal finances



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Still No Earths, But Getting Closer - Science <b>News</b>

Two newly discovered planetary systems shed light on odds of forming terrestrial planets.

Glenn Beck Launches The Blaze, <b>News</b> And Opinion Website

Glenn Beck is adding budding web mogul to his list of media titles. The radio and TV show host launched Monday a news and opinion website called The Blaze that he says will be "a place where you can find breaking news, ...

<b>News</b> Roundup: Stan Lee to Guest on &#39;Nikita,&#39; NBC Renews &#39;America&#39;s <b>...</b>

Stan Lee, creator of some of the most recognizable comic book superheroes such as Spider-Man, the Fantastic Four and the X-Men, will pop up on.






























Wednesday, August 25, 2010

personal finance blog

---Matt, Connecticut



Answer from Barbara Weltman of The J.K Lasser Institute: Fixing wage withholding to cover projected taxes for the year is never easy. You don't want to underwithhold, because you'll have to come up with a large tax payment at filing time and could be subject to underpayment penalties. And you don't want to overwithhold, because this is effectively making an interest-free loan to the government; you have to wait until you file your return to get back your own money. One way to help with withholding is to use the IRS calculator for this purpose. If withholding is insufficient, consider also making quarterly estimated tax payments. And you might want to work with a CPA or other tax adviser to get individualized assistance on your tax payment strategies.



Question: I have a few months left on my COBRA. I know it's important to have health insurance, especially now that I am in my 30s and have a young child. However, the idea of buying insurance on my own is scary, as I've never had to do it before. What can I do? Does anything in the new health care law help me?

--Kathryn, Los Angeles




Answer from Josh King, general counsel for Avvo.com, a free online legal directory: You're doing the right thing in seeking to maintain coverage. The primary element of the new health care law that will help individuals seeking health insurance is the government-mandated state insurance exchanges that will go into effect in 2014. However, even in advance of that date, you should expect to see more options become available for individually purchased policies.



For now, you should take a close look at "catastrophic" plans. These plans feature low premiums and high deductibles. But if you and your child are in good health, these plans can offer significant savings on premiums while still providing comfort that large expenses will be covered. You'll have to pay for routine matters out of pocket, but the premium savings will likely more than make up for it.

Would you like to have these great bargains delivered right to your inbox? Join over 57,000 fellow deal seekers and subscribe to Deal Seeking Mom. Also become a fan of Deal Seeking Mom on Facebook for more conversation, additional deals and a peek at the freebies I receive in the mail. Thanks for visiting!



Freebie Friday is provided by Wendi, who blogs at TheFreebieBlogger, where she finds you 100% free items each and every day.



  • Logical Nutrition is offering a FREE Revitalize Health Supplement sample. Just put "sample request" and you mailing address in the "How Can We Help?" box.



  • Request a FREE Pregnancy Planner that helps prepare you for each trimester and for when baby comes home. It includes a 10-month calendar section to record checkups and other notes.



  • Sign up to receive two FREE Wysong Epigen Cat or Dog Food Samples. You can choose from chicken, fish or venison.



  • Walmart is offering a FREE two-day Prevacid 24HR sample for the treatment of heartburn to those who qualify.



  • Those with children can sign up with Publix Preschool Pals to receive freebies, coupons and more. This offer is available to select states.



  • Mercury Magazines is offering a FREE Forbes Investors’ Guide to those who qualify. This guide offers tips on investing and financial planning during volatile times.



  • Kids ages 8 to 18 years old can get a FREE Young Eagles Flight and become one of over a million Young Eagles. Be sure to find a volunteer in your area.



  • Sun Laboratories is offering a FREE self-tanning product samples. They do not mention which product you will receive.



  • If you love Taylor Swift, you can download three of her songs for FREE: Love Story, Fifteen and You’re Not Sorry.



  • Stand Up For The Troops is offering a FREE comedy CD download to those with a valid military ID number. Comics include Adam Sandler, Chris Rock, Jeff Foxworthy and Kevin James.



  • PracticalMoneySkills.com offers many FREE materials including a Practical Money Skills CD ROM, Financial Soccer & Financial Football CD Roms (to teach students personal finance skills) and more.



  • Astroglide is offering a FREE Natural Personal Lubricant sample for a limited time.


See the previous freebie roundups for more free sample offers that are still available!


As always, make sure you’re protecting your personal information when you’re signing up for freebies.


–––––––––––––––––––––––––––––––––––––––––––––––––––––

Every Friday I’ll start a new post with a Mr. Linky for you all to share your fabulous freebie finds with Deal Seeking Mom readers! If you have a freebie you’d like to list, just leave your link below.


To keep it neat, I suggest that you list your blog name and then the freebie you've found in parentheses, ex. Deal Seeking Mom (Free Toilet Paper Sample). The only requirement is that you link directly to your post on the freebie. Links directly to your homepage will be deleted.





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Major Garrett Leaving Fox <b>News</b> | Mediaite

Mediaite has learned that Fox News White House correspondent Major Garrett is leaving the network effective September 3rd to return to his roots in print journalism. White House correspondents Wendell Goler and Mike Emanuel will assume ...

Wednesday&#39;s <b>news</b>: A night on the town with the Preds - do it for <b>...</b>

we've got a great way for Preds fans to save some money while helping local schools, reports from the World Hockey Summit, and what is surely the worst selection in Puck Daddy's "Mt. Puckmore" series so far.

Jon Stewart Takes Fox <b>News</b> to Task for Not Disclosing Muslim <b>...</b>

Fox News' money trail on who is funding the controversial Ground Zero Mosque leaves out one of its own.
































Friday, August 6, 2010

managing your personal finances

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


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


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


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


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


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


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


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


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



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


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


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


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


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


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


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









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


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


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


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


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


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


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


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


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



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


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


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


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


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


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


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










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IG20 Summit, London, G20 London, G20 Protests, G20 Demonstrations by G20London2009


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


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


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


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


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


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


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


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


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



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


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


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


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


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


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


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









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


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


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


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


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


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


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


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


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



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


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


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


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


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


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


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










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Tekken 6 breaks 3 million sales <b>News</b> - Page 1 | Eurogamer.net

Read our news of Tekken 6 breaks 3 million sales. ... Tekken 6 gameplay 16 November, 2009. Latest News. Rumour: Capcom vs. Namco in the works . Tekken 6 patch adds campaign co-op . Tekken 6 online patch on Thursday ...

Introducing the CNET <b>News</b> iPhone app | Digital Media - CNET <b>News</b>

We know you've been clamoring for an official CNET News iPhone app, and we're happy to let you know it's finally here. Read all about what it does and why you should download it. Read this blog post by Josh Lowensohn on Digital Media.

Morning Vid: Colbert Says Fox <b>News</b> &#39;Can&#39;t Tell Black People Apart <b>...</b>

Harsh words for the person who mistook Maxine Waters for Shirley Sherrod.



IG20 Summit, London, G20 London, G20 Protests, G20 Demonstrations by G20London2009


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