Friday, January 28, 2011

Money Making

Regulators at the Environmental Protection Agency got the message early.


A month before President Obama promised to review all government regulations to remove unnecessary burdens on small business, EPA lawyers asked a federal court for a 16-month delay in implementing a new rule that would limit toxic air pollution from industrial boilers. The rule had been more than a decade in the making, and was issued last June only after the agency had been forced to act by the courts.


The EPA’s initial proposal would have cost companies an estimated $9.5 billion to bring more than 2,000 heat and steam plants across the U.S. into compliance, according to the Office of Management and Budget’s Office of Information and Regulatory Affairs (OIRA), headed by regulation czar and Obama confidante Cass Sunstein.


However, the OIRA analysis also showed that reduced particulate matter, carbon monoxide, chlorine, mercury and dioxin emissions from the rule would prevent about 1,900 to 4,800 premature deaths, 1,300 cases of chronic bronchitis, 3,000 nonfatal heart attacks, 3,200 hospital and emergency room visits and 250,000 lost work days each year. The total health benefits, calculated at $17 billion to $41 billion a year, far outweighed the cost of the proposal, according to OIRA.


Environmentalists feared the EPA’s request was a harbinger of a new administration approach to regulation now that Republicans are in control of the House and the president is focused on creating jobs. “The EPA was running scared because the White House wouldn’t back them,” fumed Frank O’Donnell, president of Clean Air Watch. “After the election things changed.”


The January 18 executive order and memorandum outlining the administration’s new regulatory policy seemed to confirm that analysis. Again in his State of the Union address Tuesday evening, the president pledged to weed out unnecessary and duplicative rules and promised to halt any rules that stood in the way of small business’ ability to create jobs.


“When we find rules that put an unnecessary burden on businesses, we will fix them,” Obama said. “But I will not hesitate to create or enforce common-sense safeguards to protect the American people.”


The administration has moved quickly to cozy up to business. In the past week, the Occupational Safety and Health Administration withdrew two rules that had angered business lobbyists, one a proposed rule that would reduce noise pollution in workplaces and the other that would make companies keep records on musculoskeletal injuries in the workplace."Hearing loss caused by excessive noise levels remains a serious occupational health problem in this country," said OSHA chief David Michaels, whose agency often bears the brunt of small business antagonism toward government regulation.


During the Bush administration, Michaels, then a professor at George Washington University, frequently criticized OSHA and other regulatory agencies for failing to follow science when setting rules for protecting workers and public health. “It is clear from the concerns raised about this proposal that addressing this problem requires much more public outreach and many more resources than we had originally anticipated,” he said as he withdrew the noise rule.


Regulation has always been at the heart of corporate and Republican concerns about the direction the federal government takes under Democratic control. Long before there was a “job-killing” health care bill, there was the job-killing EPA, the job-killing Occupational Safety and Health Administration, the job-killing Mine Safety and Health Administration and any number of agencies that stand accused of undermining economic growth when they enforce laws designed to protect America’s air and water, food and drugs, and working and housing conditions.


Industry lobbyists invariably play the job-killing theme in public when lobbying against proposed rules, even as they use scientific arguments, which they must, while making their case before regulatory agencies. But that gets industry only so far. Science and economic analysis usually support tighter rules as more becomes known about the health effects of hazards and the cost of pollution-control technology drops.


For instance, the EPA’s clean air scientific advisory committee, a panel of outside experts that evaluates scientific evidence presented by stakeholders, had endorsed the tougher standards contained in the EPA’s original rule on industrial boilers.


The Council of Industrial Boiler Owners fought back. It commissioned a report that claimed the EPA’s June rule would put 338,000 jobs at risk and cost twice as much as the EPA/OMB estimate. “There are so many things that have to be changed (in the rule) to make it economically viable. They need to provide some flexibility,” said Robert D. Bessette, president of the Council, whose membership includes most of the nation’s largest chemical and paper products manufacturers. Their industrial boilers are among the largest stationary sources of air pollution outside the electricity generating and oil refining industries.


Earlier this month, the District of Columbia federal court turned down the EPA’s request for a delay and gave the agency until mid-February to come up with a final rule. “We are working to complete the final rules now,” a spokeswoman said.


“Congress will be closely monitoring the final rules when they are released next month and considering what steps can be taken to protect jobs and prevent reckless regulation,” said Energy and Commerce Committee Chairman Fred Upton (R-MI). “The EPA will come up with a rule that I’m sure will make no one happy,” predicted Bessette. “Either the enviros or us will petition for a reconsideration.”


The final industrial boiler rule doesn’t just have economic significance, it could signal the future direction of Obama administration policy on major regulatory issues. A number of major decisions coming down the pike will either please or enrage some of most powerful lobbying organizations in Washington, whether on the industry or environmental side. They include administration plans for regulating greenhouse gas emissions like carbon dioxide; coal-burning electricity generating plants whose emissions cross state lines, the so-called clean air transport rule; and the next round of automobile fuel standards, which will go into effect in 2016.


Those major decisions, not skirmishes over minor or duplicative rules, will determine how far the administration is willing to go to please business. “We’re hoping that the agencies and Cass Sunstein will be doing a lot more cost-benefit analysis and offer more regulatory flexibility,” said Susan Eckerly, senior vice president for federal policy at the National Federation of Independent Businesses, a small- business lobbying group. “Those big EPA decisions might not impact small businesses right away, but they will affect our energy costs.”


Environmentalists and other public interest groups are getting ready to push back. “We want 60 miles per gallon by 2025 and a 6 percent decrease in emissions,” said Ann Mesnikoff, director of the green transportation campaign at the Sierra Club. “California shows the technologies are there to get there very cost effectively.”


With unemployment stuck at 9.4 percent, environmentalists recognize the general public is concerned about getting the economy humming again, so they are touting the job-generating potential of green technologies. Much of the intellectual muscle for their new approach is coming out of California, which has taken the lead on regulating greenhouse gases.


Charles Cicchetti of the Pacific Economics Group, a professor emeritus at the University of Southern California and a Republican, recently issued a report that said the coal plant and industrial boiler rules would create one million jobs by generating $150 billion in new capital investment in the nation’s aging energy infrastructure.


“These are real jobs that can be generated right now,” he said. “The technology exists; the capacity to produce it is sitting idle; and the electricity industry can self-finance anything… This is a far more effective way of creating jobs than the stimulus bill since the feds won’t have to borrow money and go further into debt.”


This post originally appeared at The Fiscal Times.


Not making money as a YouTube partner? Here are some tips from YouTube itself


YouTube hosted a live event today to help partners get the most out of their YouTube revenue.


Phil Farhi of YouTube, began the event by telling partners about a few of the new initiatives that YouTube is working on, to help make partners as successful as possible. He started by bringing us through the history of advertising on YouTube.


Phil mentioned that just 3 short years ago, YouTube began using in-video and overlay ads, the first step in monetizing videos. And following the first format of ads, YouTube brought Ad Sense ads, enabling smaller advertisers/customers to get on board, allowing YouTube to capture a broader range of advertisers.


Next came in-Stream Ads (mid and pre-roll ads), a format that was launched about two years ago. YouTube said this has been popular because advertisers will pay more for ads that are similar to the format on TV. At almost the same time, promoted ads were introduced and it was proven to drive traffic to videos that were featured using the ‘promoted video’ format.


A few months ago, a new ad format for partners called TrueView was rolled-out. This format lets users watching a video skip the ad after five seconds. An ad format that YouTube says is less interruptive and doesn’t risk annoying your audience because it gives them the chance to hit stop.


Phil asked the question “ What makes a movie a successful?” Using the movie industry as an analogy, he went on to explain that there are many factors that come into play that make up the overall picture; ticket prices, seats filled, distribution etc. It’s the same with YouTube as he pointed out. Partners shouldn’t look at one aspect such as RPM (revenue per thousand page views) or CPM (cost per thousand, as an example $1 or $5 per thousand views), they should look at everything including geography.


A few points to take away


Good partners focus on overall revenue and aren’t fixated on “ticket price”. They also work hard at building a strong audience as well as trying to increase views. Good partners look at geography, RPM and CPM.


Bad partners look at the wrong metrics and don’t build up their audience. Partners who only focus on RPM might think everything is fine however, it’s critical that users concentrate on CPM as well and continue to build audience loyalty.


YouTube says advertisers are creating content that competes with user content, and millions of users are watching advertisements on the site. Think about the popularity of Superbowl ads.


Keep experimenting! Compare ad formats by type and geography and play around with different scenarios. Try enabling ads after your loyal audience has seen them or try it in reverse. Play with different recipes and see what happens when ad formats are enabled/disabled. There is a wide variety of ways to make revenue.


Take a good look at revenue break downs and compare formats; True View, in-Stream, etc.


Better reporting for ad formats coming soon. YouTube admits that partners don’t have the best reporting feature right now.


YouTube will be adding an option for partners to opt-in to just TrueView Ads without needing to be signed up with other formats.


Ensure the metadata on videos have the correct information and enough words to help YouTube’s algorithm bring the best targeted ads to your videos







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Wednesday, January 26, 2011

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Ongo <b>News</b> app coming to iPad

It's a collaboration between The New York Times, the Washington Post, USA Today and others to provide a subscription news service for US$6.99 a month. The aim is to provide readers with the best of those papers and other media outlets ...

CBS <b>News</b> Finds North Korea-Like Approval for SOTU

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Fox News dominates in SOTU cable ratings. zzz Fox News was far and away the most watched cable news network during and immediately after Tuesday night's State of the Union speech. Here are the ratings from Nielsen Media Research. ...



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Ongo <b>News</b> app coming to iPad

It's a collaboration between The New York Times, the Washington Post, USA Today and others to provide a subscription news service for US$6.99 a month. The aim is to provide readers with the best of those papers and other media outlets ...

CBS <b>News</b> Finds North Korea-Like Approval for SOTU

Yet CBS News ran an "online poll," which is getting plenty of attention, showing that 92% of people "approve of the proposals the president made in his [State of the Union] speech." The polling method used 500 supposedly representative ...

Z on TV: Fox <b>News</b> dominates in SOTU cable ratings - TV show critic <b>...</b>

Fox News dominates in SOTU cable ratings. zzz Fox News was far and away the most watched cable news network during and immediately after Tuesday night's State of the Union speech. Here are the ratings from Nielsen Media Research. ...



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Ongo <b>News</b> app coming to iPad

It's a collaboration between The New York Times, the Washington Post, USA Today and others to provide a subscription news service for US$6.99 a month. The aim is to provide readers with the best of those papers and other media outlets ...

CBS <b>News</b> Finds North Korea-Like Approval for SOTU

Yet CBS News ran an "online poll," which is getting plenty of attention, showing that 92% of people "approve of the proposals the president made in his [State of the Union] speech." The polling method used 500 supposedly representative ...

Z on TV: Fox <b>News</b> dominates in SOTU cable ratings - TV show critic <b>...</b>

Fox News dominates in SOTU cable ratings. zzz Fox News was far and away the most watched cable news network during and immediately after Tuesday night's State of the Union speech. Here are the ratings from Nielsen Media Research. ...



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Ongo <b>News</b> app coming to iPad

It's a collaboration between The New York Times, the Washington Post, USA Today and others to provide a subscription news service for US$6.99 a month. The aim is to provide readers with the best of those papers and other media outlets ...

CBS <b>News</b> Finds North Korea-Like Approval for SOTU

Yet CBS News ran an "online poll," which is getting plenty of attention, showing that 92% of people "approve of the proposals the president made in his [State of the Union] speech." The polling method used 500 supposedly representative ...

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Ongo <b>News</b> app coming to iPad

It's a collaboration between The New York Times, the Washington Post, USA Today and others to provide a subscription news service for US$6.99 a month. The aim is to provide readers with the best of those papers and other media outlets ...

CBS <b>News</b> Finds North Korea-Like Approval for SOTU

Yet CBS News ran an "online poll," which is getting plenty of attention, showing that 92% of people "approve of the proposals the president made in his [State of the Union] speech." The polling method used 500 supposedly representative ...

Z on TV: Fox <b>News</b> dominates in SOTU cable ratings - TV show critic <b>...</b>

Fox News dominates in SOTU cable ratings. zzz Fox News was far and away the most watched cable news network during and immediately after Tuesday night's State of the Union speech. Here are the ratings from Nielsen Media Research. ...



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Ongo <b>News</b> app coming to iPad

It's a collaboration between The New York Times, the Washington Post, USA Today and others to provide a subscription news service for US$6.99 a month. The aim is to provide readers with the best of those papers and other media outlets ...

CBS <b>News</b> Finds North Korea-Like Approval for SOTU

Yet CBS News ran an "online poll," which is getting plenty of attention, showing that 92% of people "approve of the proposals the president made in his [State of the Union] speech." The polling method used 500 supposedly representative ...

Z on TV: Fox <b>News</b> dominates in SOTU cable ratings - TV show critic <b>...</b>

Fox News dominates in SOTU cable ratings. zzz Fox News was far and away the most watched cable news network during and immediately after Tuesday night's State of the Union speech. Here are the ratings from Nielsen Media Research. ...

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President Obama to Propose Partial Budget Freeze and Earmark Ban <b>...</b>

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President Obama to Propose Partial Budget Freeze and Earmark Ban <b>...</b>

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President Obama to Propose Partial Budget Freeze and Earmark Ban <b>...</b>

Pursuing a path of deficit reduction and government reform, President Obama will tonight in his State of the Union address call for a ban on earmarks and he will propose a five year budget freeze on non-security related discretionary ...

Verizon: iPhone Personal Hotspot to run $20 monthly | iLounge <b>News</b>

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Monday, January 24, 2011

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Last night, we pointed out that as a part of their countdown to 10 billion app downloads, Apple actually revealed the top all-time app downloads for paid iPhone apps, free iPhone apps, paid iPad apps, and free iPad apps. The top results seemed pretty straightforward, with a few oddities here or there. And there may be a good reason for such oddities. The system appears pretty easy to game.


Well, technically, it’s probably not really “gaming” the system. At least not yet. It just appears that Apple is being a little sloppy in populating their lists. After speaking to a few top app developers, it seems that Apple is counting total download numbers in aggregate, regardless of if an app switched between being free and paid.


In other words, to boost yourself on the top paid app lists, all you would have to do is go free for all but one of the days, then switch to paid, and all those downloads would be counted towards your total as a paid app, it seems.


Obviously, free apps tend to be downloaded more than paid ones. So if you had a popular app and went free, then went back to paid, this could be a great way to jack your stats.


And several apps have done this switch from time to time (though we’re not saying they did it to jack their stats — they probably didn’t know that Apple would rank this way — instead it was just a nice offer to customers). Top apps like Traffic Rush and a few of the Tap Tap Revenge games are good examples of this.


One developer we spoke to, John Casasanta of TapTapTap, said that he found the numbers fishy because they’ve done multiple apps and Apple’s rankings don’t line up with their actual separated numbers. But if you take into account free and paid downloads for one app, things begin to align.


We’ve reached out to Apple about the issue, and will update if we hear back. In the meantime, be a bit wary of some of the top paid apps on that list — they may not be making as much money as it may seem given their position.


Products of the past…doomed…


Chinese President Hu Jintao: the US dollar-based monetary system is a “product of the past.”


He is right about that. And last week two major US credit agencies – Moody’s and Standard and Poor’s – underlined the point. They said America’s triple A credit rating would be lost if the nation continues to borrow so much money.


Amen to that, brother…


But how can the US borrow less?


Ben Bernanke says the US economy will probably grow between 3% and 4% this year.


Pretty good, huh? We can stop worrying, huh?


Wait a minute. We don’t know if the US economy will grow this year…and neither does Ben Bernanke. But even if it were to grow at 3% to 4%…would that mean we were enjoying a genuine recovery? Could the US dollar-based monetary system hold up after all? Could it surprise the Chinese and be a product of the future as well as of the past?


Let’s see how the present economic model works. You spend $10 trillion on bailouts and stimulus. This puts the whole country on course for bankruptcy…where the Chinese are telling you that your money is history…and the rating agencies are threatening to take you down a notch or two. But for your trouble you get, say, 4% growth.


Hmmmm…4% growth is equal to about $560 billion more GDP. But don’t look too closely. Much of this extra GDP is debt-fueled government boondoggling which adds nothing real to the nation’s wealth.


But in order to keep this “growth” going, you have to continue to run deficits – of about a trillion dollars a year. Hold on…what kind of business is Ben Bernanke running?


It costs more in deficit spending than you get in positive GDP growth.


Well, maybe you lose money every year…but you can make it up in the long run!


Hold on… The deficits are expected to run 5% to 10% of GDP for years. Maybe forever. If the growth rate is only in the 3%-4% range, it will mean that debt always outgrows growth. In fact, that is exactly what almost every economist projects.


Then, what’s the point? Well, maybe deficits can be cut…and the growth rate will pick up? Hey, anything is possible. And since we’re starting out in 2011 with a positive attitude…we’re ready to believe anything.


And maybe that’s what gold speculators were thinking on Friday. They sold gold – taking the price down $26 an ounce. Gold rises as confidence in the financial system falls. If gold is falling, it must mean the confidence in the Bernanke, Geithner team is increasing.


Based on the evidence so far, we’d have to take the other side of that bet. If Bernanke & Co. have any idea what they are doing it is not apparent from the public record. Even now, in the 5th year of the Great Correction, they still seem unable to see what is going on.


Bernanke:


“We got in trouble in the first place by making too many bad loans, right. So you’ve got to make good loans. We’ve got to have credit worthy borrowers.”


It may be that, in private, Bernanke has a clearer view of things. But we cannot tap his phone or channel his dreams. All we have to go on is what he says…and does. So far, he has said or done nothing that gives us confidence in the man.


He’s right: we got into trouble by making too many bad loans. But why did “we” do that? Because the Fed lent money too cheaply! It encouraged speculation and risk taking – especially by the banks, who must have known that they would be bailed out if they got into trouble.


And how could the Fed remedy the situation? Easy. It could raise rates – just as Paul Volcker did. It could put the squeeze on speculators. It could raise reserve requirements. It could allow the banks to go bust…send them a message they wouldn’t forget.


But what has Bernanke done? Just the opposite. He has rewarded the reckless speculators by buying up their bad bets (adding $1.7 trillion in trashy mortgage backed securities to the Fed’s core holdings). He has cut rates even more…bringing the effective rate down to zero for privileged borrowers. And he has created the illusion of “recovery” – by goosing up prices of stocks and commodities.


Bad policies. Bad in the short run. Worse in the long run.


Bill Bonner

for The Daily Reckoning


The US Deficit Recovery Program and Other Fallacies originally appeared in the Daily Reckoning. The Daily Reckoning, offers a uniquely refreshing, perspective on the global economy, investing, gold, stocks and today's markets. Its been called "the most entertaining read of the day."





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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

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See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...


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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

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Four more picks from the latest science news by David Bradley Tales of the unexpected: a night with Tim ...

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...


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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

A tetralogy of science <b>news</b>

Four more picks from the latest science news by David Bradley Tales of the unexpected: a night with Tim ...

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...


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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

A tetralogy of science <b>news</b>

Four more picks from the latest science news by David Bradley Tales of the unexpected: a night with Tim ...

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...


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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

A tetralogy of science <b>news</b>

Four more picks from the latest science news by David Bradley Tales of the unexpected: a night with Tim ...

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...


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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

A tetralogy of science <b>news</b>

Four more picks from the latest science news by David Bradley Tales of the unexpected: a night with Tim ...

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...


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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

A tetralogy of science <b>news</b>

Four more picks from the latest science news by David Bradley Tales of the unexpected: a night with Tim ...

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...


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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

A tetralogy of science <b>news</b>

Four more picks from the latest science news by David Bradley Tales of the unexpected: a night with Tim ...

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...


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Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

A tetralogy of science <b>news</b>

Four more picks from the latest science news by David Bradley Tales of the unexpected: a night with Tim ...

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...


bench craft company reviews bench craft company reviews

Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

A tetralogy of science <b>news</b>

Four more picks from the latest science news by David Bradley Tales of the unexpected: a night with Tim ...

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...


bench craft company reviews bench craft company reviews

Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

A tetralogy of science <b>news</b>

Four more picks from the latest science news by David Bradley Tales of the unexpected: a night with Tim ...

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...


bench craft company reviews bench craft company reviews

Why Fox <b>News</b> Should Hire Keith Olbermann When His Non-Compete <b>...</b>

The traditional broadcast news divisions? NBC's out, and of the other two, one's owned by Disney, and at the other one Dan Rather attacking George Bush was too controversial. Olbermann is an incendiary Rather hopped up on ego and ...

A tetralogy of science <b>news</b>

Four more picks from the latest science news by David Bradley Tales of the unexpected: a night with Tim ...

<b>News</b> Quiz | January 24, 2011 - NYTimes.com

See what you know about the news of the day. ... Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings. ...

Tuesday, January 18, 2011

Stock Making Money

In recent months, as investors in secondary private markets have bid up Facebook's value to ~$56 billion, many folks had begun to wonder whether it was silly season again.


After all, the investors buying Facebook stock at these levels weren't even seeing the company's financials. All they were going on was the amazing growth of Facebook's user base and press reports about its ~$2 billion in 2010 revenue.


Well, all that has changed now.


Goldman Sachs just bought $450 million of Facebook common stock--common stock, not preferred stock--at a $50 billion valuation.


In order to make a bet that big, Goldman would almost certainly have been given access to Facebook's detailed financial information (full financial statements, etc.). This suggests that Goldman liked what it saw enough to put nearly half a billion of its own dollars on the line at a $50 billion valuation.  And by buying common stock, not preferred stock, Goldman is also accepting the downside risk of this investment.  So one suspects that it is at least reasonably confident that there is big upside to Facebook's stock from here.


True, Goldman could presumably quickly turn around and sell the Facebook stock it bought to its own clients, thus laying off the risk (and making a quick profit on the stock at the same time.)  After all, one of the reasons Goldman did this deal was to get the ability to buy another $1.5 billion of Facebook stock for its own clients.  But if Goldman did this, and Facebook's stock tanked, Goldman would get slaughtered for, once again, putting itself ahead of its clients.  And here's hoping (dreaming?) that, at least for now, Goldman has decided that it is better to bet with its clients instead of against them.


And it is also true that Goldman will rake in huge fees from managing its clients private investments in Facebook. (The "special purpose vehicle" Goldman will create to pool its clients' investments will almost certainly come with big fees attached.  Goldman's not doing this out of the goodness of its heart).


But, still, $450 million is real money.  And Goldman, a well-informed and sophisticated investor, just stepped up to the tables and made a bet on Facebook at a $50 billion valuation.


So that's a pretty good indication that Facebook is actually WORTH $50 billion.


See Also: Goldman Sachs Clients Can Invest In Facebook's IPO But You Can't (Time For A New Public Market)

In recent months, as investors in secondary private markets have bid up Facebook's value to ~$56 billion, many folks had begun to wonder whether it was silly season again.


After all, the investors buying Facebook stock at these levels weren't even seeing the company's financials. All they were going on was the amazing growth of Facebook's user base and press reports about its ~$2 billion in 2010 revenue.


Well, all that has changed now.


Goldman Sachs just bought $450 million of Facebook common stock--common stock, not preferred stock--at a $50 billion valuation.


In order to make a bet that big, Goldman would almost certainly have been given access to Facebook's detailed financial information (full financial statements, etc.). This suggests that Goldman liked what it saw enough to put nearly half a billion of its own dollars on the line at a $50 billion valuation.  And by buying common stock, not preferred stock, Goldman is also accepting the downside risk of this investment.  So one suspects that it is at least reasonably confident that there is big upside to Facebook's stock from here.


True, Goldman could presumably quickly turn around and sell the Facebook stock it bought to its own clients, thus laying off the risk (and making a quick profit on the stock at the same time.)  After all, one of the reasons Goldman did this deal was to get the ability to buy another $1.5 billion of Facebook stock for its own clients.  But if Goldman did this, and Facebook's stock tanked, Goldman would get slaughtered for, once again, putting itself ahead of its clients.  And here's hoping (dreaming?) that, at least for now, Goldman has decided that it is better to bet with its clients instead of against them.


And it is also true that Goldman will rake in huge fees from managing its clients private investments in Facebook. (The "special purpose vehicle" Goldman will create to pool its clients' investments will almost certainly come with big fees attached.  Goldman's not doing this out of the goodness of its heart).


But, still, $450 million is real money.  And Goldman, a well-informed and sophisticated investor, just stepped up to the tables and made a bet on Facebook at a $50 billion valuation.


So that's a pretty good indication that Facebook is actually WORTH $50 billion.


See Also: Goldman Sachs Clients Can Invest In Facebook's IPO But You Can't (Time For A New Public Market)


Source:http://removeripoffreports.net/

Brad Friedman and Desi Doyen: Green <b>News</b> Report: January 18, 2011 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): Scientists warn of a future "superstorm" in CA; Obama to discuss clean energy with Chinese premier's visit?; "Managed retreat" for California coastal town; ABC Reports On Fossil-Fueled Climate ...

Casting <b>News</b>: Anne Hathaway to Guest on &#39;Glee,&#39; Marissa Jaret <b>...</b>

Anne Hathaway must've made a good impression on 'Glee' creator Ryan Murphy at the Golden Globes this weekend, because he's already confirmed she will.

Apple stock falls on <b>news</b> of Steve Jobs&#39; medical leave <b>...</b>

Apple shares have dropped after the announcement that CEO Steve Jobs is taking some time off to deal with medical issues. Shares of Apple fell 6.45% immediately after markets opened on Tuesday morning, but quickly made up about half of ...


Friday, January 14, 2011

foreclosure agents


Over the last two years, the Obama administration and the Democrats tried desperately to keep the housing bubble’s collapse from significantly lowering overinflated home values.   Twice they extended tax credits to new-home sales, and then added resales into the effort as well.  Instead of stabilizing the market, the short-term policy gimmicks only delayed the deflation of home prices to a more rational level, while injected more uncertainty into valuation in the context of the present and near-term future.


As a result, no one seems to have a clear idea how to appraise existing homes for sale — and that has created a huge problem for the limited number of buyers in the market:


There are problems in appraisal land that transcend weak housing markets and debt-ridden borrowers, and that are causing home buyers and would-be refinancers to miss out on low rates and dream houses.


“There’s been a pendulum swing in appraisals comparable to the one we’ve seen in mortgage credit, from foolishly lax to overly restrictive,” said Walt Molony of the National Association of Realtors. He reported that as recently as October, one in 10 member agents said they’d had a contract canceled as a result of a low appraisal, 13 percent said they’d had a contract delayed, and 16 percent said they’d had a contract negotiated to a lower sales price as a result of a low appraisal.


“We haven’t seen anything like what we are facing today,” said Mark Linne of Appraisal World, a company that provides automated valuation software and services to appraisal companies and lenders.


New and proposed federal rules governing appraisals, changes in the way appraisals are conducted, and a still uncertain housing market have hit the appraisal part of the process in a way that is adding to housing market instability.


No one can blame lenders for wanting assurances that they are not loaning more than the worth of the collateral.  Unfortunately, there isn’t any clear sense of value, especially in markets with more rapidly-decreasing prices.  Plus, as the Fiscal Times reports, banks are holding a “shadow inventory” of homes that are either just going into foreclosure or close to it that has the supply side of the market glutted:


The supply-side issues are much thornier. The total number of homes expected on the market in the coming year is little more than guesswork. Banks are keeping many previously-foreclosed homes off the market, even as new foreclosures continue to mount, creating a shadow inventory that threatens to depress prices further. Hard data say that more than four million new and existing homes are on the market and unsold, but according to CoreLogic’s latest tally there are another 2.1 million homes either in foreclosure, at least 90 days past due, or taken by the lender and not yet listed for sale. That is a total potential inventory of 6.3 million homes in the coming year, which represents a 23-month supply at current sales rates, more than triple the level consistent with a healthy market.


Another way to look at the pressure on prices is the number of vacant homes for sale. The homeowner vacancy rate stood at 2.5 percent in the third quarter. Economists at UBS estimate that the rate needed to stabilize prices is between 1.7 percent and 1.8 percent, implying an excess of about 580,000 homes that are vacant and for sale. Given conservative projections for household formation, replacement demand and new construction, they gauge that the excess can be eliminated by the fourth quarter of 2011, which would stop the downward pressure on prices. But that projection doesn’t account for the shadow inventory.


Under those circumstances, with as much uncertainty that the “shadow inventory” and gimmick-driven prices created in 2010, is it any wonder that appraisers can’t agree on valuations?  Lenders only make money by issuing mortgages, but after getting burned badly over the last three years, they’re understandably more conservative about loan-to-value calculations, not just at the point of sale but in the longer term as well.  They need to know that homeowners buying houses at 2010 prices will maintain equity positions in their property after the value erosion of another 23 months of excess inventory.  Thanks to knee-jerk economic policies, that erosion is almost impossible to estimate with any confidence at all.


Nor will it improve until the economy starts creating enough jobs to put a serious dent in unemployment.  The Fiscal Times report concludes with that analysis:


One thing is clear. While housing led the economy into a recession, it will not lead it out. Until the labor markets are strong enough to start repairing the economy’s most visible and most damaged sector, the economy’s progress just won’t look like, or feel like, a recovery.


Home valuations are secondary to the ability to pay the mortgage.  It’s immaterial if one’s home is valued lower than the mortgage principal as long as the payments can be made — which means jobs have to exist for income to pay them.  The only way to do that is to adjust tax and regulatory policy on a long-term basis so that capital investments can be made which will create jobs.  As long as we’re tinkering with temporary tax and regulatory policies, we won’t solve either problem, but instead amplify the uncertainties.








Van Helsing: "The strength of the vampire is that nobody will believe in him."



America's debt to Wall Street has soared since 1945 - and although the banks were rescued at public expense, the public's been left holding the bag for the recent drop in housing prices:



Hmm ... How many times has the word "vampire" appeared in books during the same period [1]?



What does this mean? Does it reflect the public's subconscious response to predatory banking? Or is it just some guy having nerdy fun with data sets by juxtaposing two trend lines that have nothing to do with one another? We report, you decide.


Here's what we do know: Like their fictional counterparts, America's banks are revenants, re-animated creatures who were brought back from the dead through the public's generosity. Now they're feasting on the rest of us again, while politicians in Washington work to rob us of the few tools we can use to defend ourselves. With some Democratic complicity, Republicans are fulfilling the promise of Rep. Spencer Bachus, who said that "Washington and the regulators are there to serve the banks."


And what they're serving them is you.


The Count: "Listen to them! The creatures of the night. What music they make ..."


The rap sheet against America's banks grows longer and longer. They keep stringing people along with phony foreclosure negotiations, and then foreclose anyway. And we're hearing more and more stories about bank agents who, as they're invading and padlocking illegally foreclosed homes, also steal the private property inside them. In
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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.

Blagojevich defense wants Obama subpoenaed - Chicago Breaking <b>News</b>

Attorneys for former Gov. Rod Blagojevich today asked a federal judge to subpoena President Barack Obama to testify in Blagojevich's upcoming corruption trial on charges that include allegations Blagojevich sought to sell Obama's former ...

<b>News</b> Story Details

... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...


Thursday, January 13, 2011

online reputation management online uk

SilverRock is one of the online reputation management online canada newest and best public courses in the Palm Springs area. Long been known as the "Golf Capital of the World," Palm Springs and the neighboring cities of La Quinta, Rancho Mirage, Indian Wells and Palm Desert boast over 160 golf courses.
Set against the backdrop of the Santa Rosa and Coral mountains, the SilverRock resort is a challenging desert course sprawling over 200 acres with massive native bunkers and stunning water features on no less than eight holes.The online reputation management no prescription Clubhouse, situated in the rocky outcroppings, is a charming renovation of the former working-ranch hacienda, built by the founder of Home Savings and Loan, Howard Ahmanson.Some of the more demanding holes are the par three 8th and 17th, as well as the par four 10th and 15th all of which have water hazards.
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There is also water on the second, sixth and eighteenth that require well placed approach and fairway shots.
The PGA recently inked a deal with SilverRock making it one of the host courses for the annual Bob Hope Chrysler Classic. So not only is the course, scenic and challenging while playing you can imagine yourself teeing it with Tiger and Phil.

Tucson Memorial - Fox <b>News</b> Panel - Video | Mediaite

The first impressions in light of President Obama's speech at tonight's memorial for the victims of the Arizona shooting, and, at least on Fox News, the reviews are overwhelming positive. Charles Krauthammer, Chris Wallace, ...

Giffords&#39; Eye Opening <b>News</b> - Political Punch

President Obama's dramatic news at last night's memorial service in Tucson that Rep. Gabrielle Giffords' has just minutes before opened her left eye for the first time since the shooting has created some confusion ...

<b>News</b> Corp considers MySpace sale, what happened? - Lost Remote

After slashing 47% of its staff earlier this week, News Corp is considering selling the struggling MySpace, among other strategic options, Bloomberg reports. MySpace relaunched as an entertainment hub in October, ...

Monday, January 10, 2011

managing personal finances

I’ve spent hours of my life toiling over virtual cities in Maxis’ Sim City series, and it must have rubbed off after all these years. I still enjoy meticulously planning infrastructure, zoning and carefully tweaking finances to this day.

The other day whilst trying to work, I accidentally (oops) went looking for some online heirs to the Sim City throne. Despite simple Flash games lacking the depth of even the original Sim City, I guessed there had to be a few decent, free city building games out there.

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ElectroCity

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A simple turn-based Flash game created by New Zealand energy company Genesis Energy to give players young and old a shot at managing a town or city’s growth and impact. Players must pay close attention to the levels of energy used, sustainability and environmental factors.

Players are given 151 turns to alter tax rates, build things, destroy things and generally oversee the planning of a city from an environmental point of view. It is up to you to keep your citizens happy, maintain finances and get the highest score possible out of 100 available points.

If you’re seeking inspiration then there’s plenty of completed cities to gawp at, and you can even save your progress and come back to it at a later point. Remember – it’s all about balance.

IBM CityOne

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A very in-depth city management game that allows you to choose one of four aspects of city life to manage – energy, water, retail and banking. This game also uses a turn-based system which scores you after each turn made.

There’s a fairly chunky registration form to fill out before you can play (which asks for all sorts of intrusive data) but the game itself functions well, especially if you’re a business-minded individual.

Your city starts off sketchy and greyscale, with colour gradually introduced as you implement much-needed change. At times it plays like a big advert for IBM, but remains enjoyable and looks pretty good to boot. Probably not great on slower PCs, especially those with an aversion to resource-heavy Flash.

City Creator

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Not necessarily a simulation or a management game, City Creator simply allows you to do just that – create a sprawling landscape from a set of pre-fabricated buildings and features.

The game features charming pixel art from and an isometric viewpoint, which complements the laid back style of play. Simply drag items from the left hand side of the screen to your city on the right and see what you come up with.

There are 3 building sets to choose from, each with their own unique style. If you register on the site you can save your creations and share them with your friends. If you just want to build a city then City Creator should entertain for a while at least. Be sure to check out their other project Castleford.

Zanpo Virtual Cities

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Lovers of Minecraft and pixel art rejoice in this Flash block-based city building game. Instead of building preset structures and features Zanpo Virtual Cities allows you to build fairly detailed city blocks using individual building pieces.

Users then vote on the best ones, and they get added to the virtual city. This one strikes me a bit like online Lego, and the emphasis is very much on building and not management.

You’ll need to register to build, or you can simply choose a city from the drop down list and click City View and see what everybody else has been building.

CityVille

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I know, I know. You’re sick of FarmVille, so why on earth do you want to hear about CityVille? Well considering there’s already more than 20 million people playing it I figured it would be an injustice to not include it on the list.

If you’re fine with yet another application accessing all your personal data and posting whatever it feels like to your wall then CityVille might appeal. The game is a casual Sim City-esque sim in which you take a humble town and turn it into a sprawling metropolis.

Graphically the game looks awesome, and there’s the added social interactions provided by the Facebook platform. If only it didn’t clog up your feeds, eh?

There are a few more Facebook games, that I’ve left out (it’s quite a saturated market, and Facebook isn’t for everyone).  If you’re interested, they were:

  • Social City
  • Millionaire City
  • Hollywood City

Have you found any other cool city building games? Do you prefer building or managing? Let us know in the comments!

Image Credit : Shutterstock

We are mere days away from 2011, and still happily ensconced in the holiday madness of 2010. This jolly season, which usually kicks off at Halloween, is a fast-moving fog of candy, cookies, cards and frenzy at the malls. It is also hopefully full of joy, laughter and quality time with family.

After the season’s last hurrah on New Year’s, what emerges is a renewed sense of spirit for the coming year –- and sometimes a desire to undo everything that has just been done. This is precisely why most people hit the ground running on January 1 with a resolve to lose weight, get in shape, walk the dog more, and so on.

The following roundup contains apps that can serve as trusty sidekicks to help you keep those resolutions you swear you’ll actually follow through on this year. In addition to personal health, other common resolutions include managing finances more efficiently, quitting smoking, finding a better job and finding love. There are obviously many more apps out there for each category, but I’ve hand-picked twelve to help you get 2011 off to a good start. Happy New Year!

Losing Weight/>

Lose It!/>

Lose It is a great, easy-to-use app that provides users with features for managing and tracking their weight loss and fitness goals. With an extensive database of foods and nutritional information available, you can simply scroll through the options and log what you have consumed for the day to get a total calorie count. The app also tracks calories burned through fitness and shows where you’ve gone over or under your caloric requirements for weight loss each day.

Cost: FREE

Go Meals/>

A dieter’s dilemma: You’re eating out at a restaurant and have no idea what the best choices are that are still suitable for your dieting needs. Go Meals is a helpful app for those moments when you’re out at P.F. Chang’s and want to know if the Mongolian Beef is less caloric than the Orange Peel Beef (it’s not). This app also includes thousands of listings for grocery store foods and provides full nutritional information for foods you eat on a daily basis. When an item has been chosen, you can save them to “Today’s Plate” and keep a log of your caloric, fat and protein intake. A very handy tool.

Cost: FREE

Getting in Shape/>

Fitness Free/>

This is a great free app that provides photographs and detailed steps for each of its more than 320 exercises. Essentially every major muscle group is reflected and you can use this app to get good ideas for triceps, quads or any other body part that you want to improve. There is also a section offering a small selection of pre-bundled, three-day workouts, or you can select exercises of your choosing and create your own customized workout.

Cost: FREE

iPersonalTrainer/>

iPersonalTrainer prompts users to create a workout and select which muscle groups they want to work by pointing to them on a (very buff) illustrated man. The app then takes you to a page with instructional videos for each exercise along with tips for good technique. The app also includes a Body Mass Index (BMI) calculator, weight tracker and progress log so you can keep track of your workouts while you get that hard body.

Cost: $.99

Organizing Finances/>

Pay Off Debt/>

Pay Off Debt provides a good template for users to track and manage all current balances and debts. Using an intuitive interface and the debt snowball method, this app lets you prioritize debts and see estimated times left to pay off each one. You can plan monthly payments for each and view progress bars as you begin chipping away at what’s owed. Based on your payment schedule, the app will also provide you with a date for when you are completely debt-free.

Cost: $3.99

Mintclass="blippr-nobr">Mint/>

Mint is a free app that automatically syncs all of your financial information directly from your online banking accounts, eliminating the need to manually enter all information. You can set up budgets and categories with spending limits on each; track your incoming and outgoing income; track investment accounts and more. The app also alerts you to things like large purchases, when a check clears, or if you go over budget. In addition, security measures are in place to lock iPhoneclass="blippr-nobr">iPhone access if lost or stolen.

Cost: FREE

Quitting Smoking/>

MyQuit Coach/>

MyQuit Coach is a highly-personalizable plan to help smokers quit. Users can set the parameters for the plan and upload personal photos and inspirational motivators to stay on track, and the app awards users with achievement badges when quitting goals have been reached. The app also connects to Facebookclass="blippr-nobr">Facebook, Twitterclass="blippr-nobr">Twitter and LIVESTRONG for additional moral support and information for users.

Cost: $.99

Quitter/>

Quitter is an app that takes a slightly different approach. This lets users track progress by reminding them how long they’ve been smoke-free and how much money they have saved thus far. Users can refer to the app on a daily basis and keep track of how long they’ve gone without smoking and what they would have spent if they had continued.

Cost: FREE

Getting a Better Job/>

Monster.com Jobs/>

As one of the largest job search sites available, the Monster.com app is a great complement for anyone with a Monster account (which is free to register) and gives users access to the same listings they’d find online. The app automatically syncs with your web-based account and enables you to access saved job listings, resumes, saved searches and more from your iPhone. You can also use the iPhone’s built-in GPS system to locate jobs near you.

Cost: FREE

What Color is Your Parachute?/>

You’ve found the job you want, but the next step is the interview. The expression, “You never get a second chance to make a first impression,” couldn’t be truer when it comes to this opportunity, which is likely the only time you have to sell yourself and demonstrate why you are a fit for the job. The What Color is Your Parachute? app is a complement to the eponymous job-seekers’ “bible” and walks users through the job interview process and how to nail it. Tips on interview questions and questions to ask are featured, as well as top 10 mistakes to avoid. It’s a good read for anyone who is preparing for a big interview.

Cost: FREE

Finding Love/>

Dating DNA/>

Unlike other dating apps that require you to have an existing subscription to its web-based site, or are sketchier and only use GPS-navigation to track “singles near you,” Dating DNA is a free app and service that matches people based on compatibility scores. When you are deemed compatible by the app, based on both your ratings, you are then able to view each other’s profiles and connect. The app also provides “at-a-glance” compatibility scoring and dating potential indicators to help you determine if your potential mate is worth pursuing.

Cost: FREE

Love Survival Kit/>

If you need help in the love department and are looking for advice on what to do in certain situations, wikiHow’s Love Survival Kit is a good resource to have. There is plenty of information and dating advice for categories like “Awkward Situations” (ex. Escape Cuddling in Bed); “Breaking Up” (ex. Keep a Friendship After a Breakup) or “Relationship Skills” (ex. Stop Being Needy). Some of articles can be more funny than useful, but then again, sometimes with dating, people need all the help they can get.

Cost: FREE

Which apps did you find most useful? How do you plan to jumpstart your New Year’s resolutions? Let us know in the comments below.

More iPhone Resources from Mashable:

- 10 iPhone Apps for the Global Foodie/> - 10 Useful iPhone Keyboard Shortcuts, Tips and Tricks/> - 10 Incredible iPhone Portrait Photographs/> - 10 Incredible iPhone Photographs/> - 10 Ridiculous iPhone Accessories [PICS]

Image courtesy of spapax

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Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Arsenal to move for Gary Cahill or Per Mertesacker <b>...</b>

With Squillaci and Vermaelen injured, Wenger admits a centre-back is a January priority.

Grading the Spring 2011 Campaigns, Part 1 – Fashionista: Fashion <b>...</b>

Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: Home � Fashion Shows ... Posted in: News ...

Probably Bad <b>News</b>: Masturbation Excuse FAIL - Epic Fail Funny <b>...</b>

epic fail photos - Probably Bad News: Masturbation Excuse FAIL.