Making Money Working

So Drum’s editor (who, working at a lefty magazine, might not make $100,000 herself, but certainly is a member of a kind of elite), tells him he should write about how upper class families have so much in common with the families struggling to stay in the quickly vanishing middle class. To test the theory before he writes about it, he asks his readers what they would choose if they were upper class (though he doesn’t call it that)–to stay there, or risk joining the “the bottom of the working class” for a chance to become “elite”? And based on the fact that his readers overwhelmingly say, “keep the $100,000,” he concludes they chose that decision because they at least imaginatively felt closer to the zillionaires than someone “barely scraping by.”

Now, to Drum’s credit, he at least calls this $100,000 earning household “upper middle class,” which is less inaccurate. But I wouldn’t even consider someone working minimum wage 40 hours a week 52 weeks a year the “bottom of the working class,” given that so many people are having trouble getting full time hours in this day and age, but that person would make just $15,080, just slightly more than half of what Drum considers the “bottom of the working class.”

But Drum doesn’t consider the possible motivations of his readers. He doesn’t consider the statistically likely possibility (even assuming MoJo online has a relatively affluent readership) that most of his readers would consider $100,000 an improvement off where they are. That is, it may have nothing to do with a perception of whether being affluent is closer to being rich or being middle class, and everything to do with where some of them are personally. He might as well have asked at least some of his readers, “want a big raise, or want to increase risk?”

Now, I’m beating up Drum for his details, but I think his position is right: the affluent are closer to the rich than the members of the vanishing middle class. Though I might even suggest there are probably 4 positions here, the people who aren’t making ends meet, the people who feel constant risk of failing to do so and sometimes don’t, the people who spend all their money, and the rich. That is, this is all about risk, and everyone but the super rich feel the prevalence of economic insecurity, but the more affluent of us have a hard time imagining how much more acutely the middle and working class experience that risk and so we tell myths about what most Americans experience financially and how normal we all are.

Frankly, I’ve been living with an engineer for the last decade (albeit one who wasn’t working for some time), making my household far better off than most of this country (and even when I was a single grad student I recognized I was in a very elite position for someone making the $$ I was). So I can’t be sure I’m much better than all this (though it probably helps that I see how much some of my neighbors, both in W MI and in Ann Arbor, have been struggling).

But that really points to an underlying problem. Even in spite of the insecurity in the media, as inequality grows worse and worse, members of the media with the biggest soapboxes grow more and more distant (both geographically and cognitively) from the people really suffering as the middle class disappears. To most of those big-soapbox people (though not the equally disappearing local media), $30,000 or $39,260 may feel so distant that it can only be understood as “barely scraping by.” But if it is (and I do believe, for many families, it absolutely is), then those same big-soapboxes had better start screaming louder about it, because over a third of this country is in that plight.

Or maybe CNN can replace both Begala and Matalin with 4 members of the middle class each, so we can start hearing what’s really going on in America.

Of all the interesting new tech that seems poised to garner a lot of buzz in 2011, near field communication (NFC), is probably the most exciting. If it takes off, it will transform the ways we communicate, share, and make payments with digital devices. This will likely take years to happen, but the groundwork is being laid right now. And RFinity is one of those companies at the forefront.

While Google and Apple are responsible for generating much of the buzz about NFC at the moment, the technology goes far beyond simply having the right type of chip in your mobile device. For example, how do you handle different types of data transfers being made from one device to another? And how to you ensure that they happen as quickly as possible? And most importantly, how do you ensure that they happen securely? Those are the things that RFinity is thinking about.

The company has just raised $4 million from Horizons Ventures in Hong Kong. And the space has gotten so red hot, in fact, that we hear they’re already out raising another round.

And it’s an easy bet for investors to make not only because of the space, but because of where the project originated: The U.S. Department of Energy. Specifically, RFinity was born when a bunch of infrastructure security experts working for the government were assigned to find all the vulnerabilities in cell phones. Through software they came up with, they were able to quite easily eavesdrop, manipulate SMS messages, and even compromise LAN security. Then they set out to figure out a way to stop people from doing those very things. That work led directly to RFinity.

Work originally began in the person-to-person and person-to-vendor sales space by way of mobile applications that route transactions through RFinity’s own secure servers. But now that NFC appears ready, RFinity is making sure they’re ready for it. The idea is that their technology could cut out the middle man here: themselves.

Obviously, the company isn’t going to share all the details on how they secure NFC transfers. But the basic overview is that they verify an incoming NFC signal and ask for a user’s permission before taking any action. Further, if the action is a transaction, it requires a PIN, just as you might do an ATM withdrawal. That’s all pretty standard. But the key is one-time-use transaction codes that RFinity creates on the fly along with complex cryptographic signatures. These ensure that an transaction is secure since it means that every transaction can only happen once. Even if those numbers were intercepted by a hacker, they would be useless beyond the one-time payment.

And even if your phone is lost or stolen, a thief couldn’t do anything without your PIN. And you can remotely shut down your NFC capabilities via RFinity. It’s enough to make me wish I could throw out all my credit cards right now. “Today’s identification and transaction systems are based on what? A magnetic strip on the back of a card, based on a 1950’s technology that relies on a base station to read the information embedded as a series of simple magnetic markers in plastic tape,” writes Josh Jones-Dilworth, who is working with the company to bring them to market.

Again, NFC as a technology is great and potentially game-changing. But the software is still needed to make it actually work. And some of the big guys began realizing that early on as companies like PayPal, Bank of America, and even Subway have been testing out different things with RFinity for some time. In fact, RFinity has actually been doing field tests of the software end of their technology since 2009 in places like Idaho, well before most people in the U.S. had ever thought about NFC.

But now people are starting to care. And soon, they could be caring a lot more. NFC is already built-in to Google’s new Nexus S device — and the company has put out a call for developers to start using the tech. Rumors have the next iteration of the iPhone gaining the technology as well. In other words, I suspect we may be seeing acquisition rumors starting to fly around RFinity in about six months or so. Provided their technology proves up to the NFC challenge, of course.

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Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

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Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

Ten American Companies With The Best <b>News</b> For 2011 - 24/7 Wall St.

24/7 Wall St. chose the ten most important pieces of news for major US corporations so far this year. Our evaluation was based on the history of the company and industry involved and the likely long-term effects of the event.

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Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

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24/7 Wall St. chose the ten most important pieces of news for major US corporations so far this year. Our evaluation was based on the history of the company and industry involved and the likely long-term effects of the event.

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Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

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24/7 Wall St. chose the ten most important pieces of news for major US corporations so far this year. Our evaluation was based on the history of the company and industry involved and the likely long-term effects of the event.

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Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

Ten American Companies With The Best <b>News</b> For 2011 - 24/7 Wall St.

24/7 Wall St. chose the ten most important pieces of news for major US corporations so far this year. Our evaluation was based on the history of the company and industry involved and the likely long-term effects of the event.

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Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

Ten American Companies With The Best <b>News</b> For 2011 - 24/7 Wall St.

24/7 Wall St. chose the ten most important pieces of news for major US corporations so far this year. Our evaluation was based on the history of the company and industry involved and the likely long-term effects of the event.

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Your best source for quality Auburn Tigers news, rumors, analysis, stats and scores from the fan perspective.

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Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

Ten American Companies With The Best <b>News</b> For 2011 - 24/7 Wall St.

24/7 Wall St. chose the ten most important pieces of news for major US corporations so far this year. Our evaluation was based on the history of the company and industry involved and the likely long-term effects of the event.

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Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

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24/7 Wall St. chose the ten most important pieces of news for major US corporations so far this year. Our evaluation was based on the history of the company and industry involved and the likely long-term effects of the event.

NBC Nightly <b>News</b> Report on Toomer&#39;s Poisoning - Track Em Tigers

Your best source for quality Auburn Tigers news, rumors, analysis, stats and scores from the fan perspective.

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Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

Ten American Companies With The Best <b>News</b> For 2011 - 24/7 Wall St.

24/7 Wall St. chose the ten most important pieces of news for major US corporations so far this year. Our evaluation was based on the history of the company and industry involved and the likely long-term effects of the event.

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Business Making Money

..........and bullshit walks! Easy as that for start-ups when it comes to making up your mind about raising additional capital. Are we in a bubble? No idea but this question keeps creeping up. Those of us who went through the bubble at the turn of the century are secretly hoping we're not in another one. Those who don't remember the last one are also worried wondering whether all the old-timers are right. One way or another, it doesn't really matter. 

You'll hear multiple opinions on whether to raise money at times like this. I have a very clear opinion on this. It's based on the fact that I believe the best venture backed businesses are in it for the long haul. These are companies with a real product that add value to their customers. These are businesses generating real cashflow intent on growing to significant scale. Finally, these are businesses which will use additional money to expand. Hence, here's my take on when to take money (with focus on EU based businesses): 

1. Sequoia or Kleiner are on the phone. Start negotiating, get the best deal you can get and make sure to raise the money. Say what you will but Tier 1 VC's from the US will lead to a far larger exit. Specifically the top tier funds have access to management for your businesses, access to potential partners and are likely to sit on the boards of the companies that could buy you. You'd be dumb not to take money but do so wisely. 

2. A tier 1 fund from Europe is interested. Find out whether there's a good fit with your businesses. I've often enough written about how to figure this out and I say to focus on the partner and not the fund when doing your due diligence. Negotiate a good deal and take the money. Tier 1 funds in Europe have learned to add value, have significantly better networks nowadays and will most likely get you bought by a US based business.    

2.5. A tier 1 fund from your home country calls up. I've labeled this 2.5 because Tier 1 funds in Europe tend to only differentiate themselves based on where they are located. The rest is mostly the same. The benefit of a tier 1 locally invested in your business is the proximity. It's in your interest. You want them closer than further. If the terms are right and you have offers from abroad and locally, I'd sway towards local but the vibe has to be right. You won't be necessarily doing anything wrong taking money from a London VC verses a German VC when you are in Germany. The London VC may even be around more than the German VC. This all depends on the partner. 

3. A tier 2 fund from the US calls up. Ask yourself first why they found you? Go ahead and ask. Further, research the fund and find out what they've done in the past. Have they invested in Europe before? Are they only looking to Europe because their dealflow in the US sucks? Think twice about whether they will invest the necessary time to be in Europe and invested in your business. If the deal terms are good and you are comfortable with the partner doing the deal, take the money. They can still be helpful in accessing US buyers. They are highly unlikely to open as many doors as Kleiner or Sequoia but they definitely know more people in the US than many European partners. Plus make sure you want to go to the US. They will probably eventually ask you to move the company there.

4.  A tier 2 fund from outside your home region in the EU finds you. Ask yourself how the hell they found you. More importantly, if you found them, ask yourself why the Tier 1 funds from your local region aren't interested in what you are doing. Say what you will but a UK based fund prefers to invest first in the UK and then rest of Europe. A German fund in Germany and then rest of Europe, etc. Although valuations are good and the power is in your hands to some extent think twice. There are times when taking money could be detrimental to the health of your business (as well as to your equity stake). It's nice to get a higher valuation and some extra cash but make sure it doesn't ultimately cost you more than you think. 

5. A tier 2 fund from your local region calls up. Again, ask yourself first why the tier 1 funds aren't interested. Don't underestimate the value of many tier 2 funds though. Maybe they aren't the best known name in the market. At the same time, maybe they are striving to become a better fund. Maybe the number two in the market will work harder than the number one for you. This may be in your interest. Maybe! Do your homework and if you are comfortable with terms, take the money. Be far more diligent in this case though. Think longer and harder about whether you really can do more with the money now or prefer to hold out a bit. 

6. Some tier 3 fund you've never heard of and can't find out much about approaches you. Be really careful. There are lots of people in this business who sure won't be around in a couple years. Money from these guys can be a nightmare. At the same time, maybe your business is the nightmare and you couldn't raise money at any other time. One way or another, things aren't going right one way or another. If you need the money to survive and know you'll never get more down the road, do everything you can to raise cash now. Maybe you've just been approached by the future Kleiner or Sequoia of Europe. Maybe not.....but money talks and bullshit walks!

You'll notice a general trend from 1. through 6. above. Take the money! If you can get good terms, know how to put the money you raise to work for growth and like the partner from the funds approaching you, go for it. The getting is good right now. As a VC I'm worried about valuations and bursting bubbles, etc. but as an entrepreneur you should be optimizing for you business. Money is always good. Ignore all the crap about having too much money and being negatively swayed by this. In this post I am defaulting to the fact that I think you are a smart entrepreneur. You aren't going to raise money to get that Porsche as a company car. You're going to grow your business and become amazing. Some will say I am wrong but I'd prefer to have the cash in the bank and worry about being wrong later.  

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CBS <b>News</b>&#39; Lara Logan assaulted in Egypt | Show Tracker | Los <b>...</b>

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While reporting from Egypt for a "60 Minutes" story, CBS News correspondant Lara Logan was sexually assaulted and beaten. According to a statement issued by CBS on Tuesday, Logan was attacked on Feb. 11, the day Egyptian President Hosni ...

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Simply put, this is horrific: CBS reporter Lara Logan has reportedly been sexually assaulted in Egypt while covering the uprising there.

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CBS <b>News</b>&#39; Lara Logan assaulted in Egypt | Show Tracker | Los <b>...</b>

While reporting from Egypt for a "60 Minutes" story, CBS News correspondant Lara Logan was sexually assaulted and beaten. According to a statement issued by CBS on Tuesday, Logan was attacked on Feb. 11, the day Egyptian President Hosni ...

Lara Logan, CBS <b>News</b> Correspondent, Sexually Assaulted in Egypt <b>...</b>

Simply put, this is horrific: CBS reporter Lara Logan has reportedly been sexually assaulted in Egypt while covering the uprising there.

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CBS <b>News</b>&#39; Lara Logan assaulted in Egypt | Show Tracker | Los <b>...</b>

While reporting from Egypt for a "60 Minutes" story, CBS News correspondant Lara Logan was sexually assaulted and beaten. According to a statement issued by CBS on Tuesday, Logan was attacked on Feb. 11, the day Egyptian President Hosni ...

Lara Logan, CBS <b>News</b> Correspondent, Sexually Assaulted in Egypt <b>...</b>

Simply put, this is horrific: CBS reporter Lara Logan has reportedly been sexually assaulted in Egypt while covering the uprising there.

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The full list: The Twitter 100 - Its 200 million users share 110 million messages a day - and if ...

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CBS <b>News</b>&#39; Lara Logan assaulted in Egypt | Show Tracker | Los <b>...</b>

While reporting from Egypt for a "60 Minutes" story, CBS News correspondant Lara Logan was sexually assaulted and beaten. According to a statement issued by CBS on Tuesday, Logan was attacked on Feb. 11, the day Egyptian President Hosni ...

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Simply put, this is horrific: CBS reporter Lara Logan has reportedly been sexually assaulted in Egypt while covering the uprising there.

Heptastic science <b>news</b>

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CBS <b>News</b>&#39; Lara Logan assaulted in Egypt | Show Tracker | Los <b>...</b>

While reporting from Egypt for a "60 Minutes" story, CBS News correspondant Lara Logan was sexually assaulted and beaten. According to a statement issued by CBS on Tuesday, Logan was attacked on Feb. 11, the day Egyptian President Hosni ...

Lara Logan, CBS <b>News</b> Correspondent, Sexually Assaulted in Egypt <b>...</b>

Simply put, this is horrific: CBS reporter Lara Logan has reportedly been sexually assaulted in Egypt while covering the uprising there.

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The full list: The Twitter 100 - Its 200 million users share 110 million messages a day - and if ...

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CBS <b>News</b>&#39; Lara Logan assaulted in Egypt | Show Tracker | Los <b>...</b>

While reporting from Egypt for a "60 Minutes" story, CBS News correspondant Lara Logan was sexually assaulted and beaten. According to a statement issued by CBS on Tuesday, Logan was attacked on Feb. 11, the day Egyptian President Hosni ...

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Simply put, this is horrific: CBS reporter Lara Logan has reportedly been sexually assaulted in Egypt while covering the uprising there.

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Making Money Now

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These days, money seems to slip through your fingers as easily as the sands of time. The rich know that in order to build wealth, you must be able to keep money in your pocket and have methods of continuing to increase it's value over time. Making money work for you is as simple as getting money and using it to create more money.

Essential Steps to Make Your Money Work for You

1. Control your expenses - If you don't control your expenses, your money will come in as a paycheck and disappear as an expense - leaving you living from paycheck to paycheck. This phenomenon happens regardless of your income level. As most people's income increase, so does their spending. To control your expenses, create a buying policy. For example, waiting at least 24 hours before buying anything valued more than $50 then ask yourself the follow questions, "Is this sometime that I need?" "Do I own something that can serve the same purpose?" "Can I borrow one, find one used, or make one instead of buying new?" Like the defense of professional football team, draft a superior financial defensive line to tackle unnecessary purchases before they happen.

2. Save 10% of your earnings - At 10%, you'll see that your money will grow - giving you "attitude money". What is attitude money? When you have money invested, you feel more secure and abundant, therefore, gaining a better attitude towards money and your financial situation. Okay, most people claim that they can't afford to save 10% of what you earn. Notice that people earn different salaries but are all equally as broke. This signifies that most people just spend as much as they make and don't really control what they're spending. The wealthy find ways to control their expenses and save 10%. Once you start saving 10%, I bet that you will not even notice that it's gone. Make saving this 10% easy by automatically deducting it directly from your paycheck into a wealth account. Essentially, paying yourself first.

3. Generate Passive Income - Now that you have an excess of cash flow and savings, it's time to create a passive income. Passive income is money generated from sources that require some upfront work and generate a stream of income for a long time. For example, some passive income sources are investments in stocks or bonds, real estate or property rent, writing for Associated Content, creating a blog, or designing a website that generates advertisement income. These are just a few examples. Let the miracle of compound interest start working for you by building multiple streams of passive income.

4. Increase your current salary - Nothing can increase your worth quicker than receiving a raise or promotion. If you receive a 10% raise, as quick as Clark Kent changing into superman, you become instantly 10% richer. The best way to increase your salary is to "show up" for work. Most people just punch the clock and mill their way through the day. Give your job the full eight hours of attention it deserves. Talk to your boss about your desire to increase your value (read as salary) to the company. Ask yourself what are the five most important tasks to do today that will get you noticed. Assist your boss move up the corporate ladder and like the links of a chain, you will move up too.

5. Create your own Business - Are you going to slave away making all the money for someone else. Creating a side business is a terrific way to earn more money. Start small and follow your passion. Who knows in time, it may become a full time occupation. With a fantastic business and the right mindset, it's possible to work less hours per day and make more money than you did at your regular job. Wouldn't you rather have more time in your life and make more money?

By employing, these five essential strategies to making money work for you, you will begin a snowball effect on your finances. Each day adding snowflakes until the snowball builds momentum. That's what making your money work for you is all about - overcoming the financial inertia holding wealth at arm's reach.

Making Money Online Forum

There’s a lot of buzz about small business funding these days. The issue has become a major one not only in the small business community but also among government leaders. It’s certain that finding the funds for your small business venture, especially until cash flow becomes regular, is a challenge every small business owner or entrepreneur faces. If you’re facing this issue, we hope the resources below will help. If there is a creative way you have dealt with this issue yourself, please let us know in the comment section below. We would love to hear.

Basics

Four tips for raising cash. Raising money for your business venture is always a challenge and more so in a challenging economic climate. But tough times shouldn’t stop a determined entrepreneur from getting under way…whether investment is easy to come by or not. Open Forum

Praying for the help of angels. This simple post gives first-time entrepreneurs a detailed overview of the angel investor’s world. But more importantly, it takes a look at why angels invest and the kinds of businesses they prefer to invest in. If you’re seeking investment for your business start-up, it’s best to know what invest are looking for…including angels. The Smart Startup

Policy

U.S. program brings entrepreneurs/investors together. Venture capital investor Brad Feld talks about the newly unveiled Startup America Partnership as proof Washington “gets it” when it comes to promoting entrepreneurship. While we’re sure any program putting entrepreneurs and investors together can’t be all bad, a look at lowering taxes and revisiting the potentially harmful healthcare law would help as much as investment Brad. Feld Thoughts

Startup America boosts funding. Another post celebrates the federal program aiming at putting together entrepreneurs with investors. Here Aneesh Chopra, United States Chief Technology Officer, explains and praises the program. Getting funding to startups has become a major focus of government policy, but how will this translate to the broader small business community? Tech Crunch

Startups

New startup aims at providing capital for small business. A new company is trying to automate the loan process allowing small businesses to get an evaluation then apply for funding online. In essence, On Deck Capital takes the classic business approach of finding a problem and solving it. In this case, the problem is finding a better way to get investment for other small businesses. DealBook

Trends

Groundhog Day predictions. Yes, Punxsutawney Phil, the famous groundhog, made his own predictions for the length of winter and the coming of Spring, but small business experts are making their own predictions too. Here are five small business predictions for Spring from a variety of sources, not surprisingly a few touching upon small business funding and its availability. Business News Daily

Small businesses get more credit card offers. Credit card companies will be making more offers to small businesses, according to recent media reports. But could entrepreneurs be too worried about taking on extra debt to take advantage of this opportunity? Read Rieva Lesonsky’s detailed overview of this new funding option and what it means. Small Business Trends

Resources

A whole new fundraising frontier. Could social media be the next frontier for small business fundraising in the same way that it has been for marketing and networking? Enter Kickstarter and other similar sites that turn to online communities as a way of funding projects. Could it be right for your funding needs? Open Forum

Raising capital: a how-to guide. Putting together funding for a small business has never been easy. Still it can be one of the most important skills an entrepreneur possesses. Still, getting started with the fundraising process for your small business is not rocket science. Here are some basic steps to get you started. Open Forum

News

Is small business funding still plagued by discrimination? A settlement as a result of a discrimination suit filed against the U.S. Small Business Administration has apparently still not resolved the issue of whether the federal agency is bias toward minority applicants for business funding. What’s your take on whether the federal loan program could be impeding investment in small business especially in minority or under-served communities? NYTimes

From Small Business TrendsSmall Business News: Small Business Funding Facts

What to do with those coupons that you impulsively bought off of Groupon, Living Social, Ideeli, or any of the many other discounted ‘deal of the day’ sites? Sell ‘em!

That’s right, there’s a site for everything these days, and selling coupons, while initially relegated to online bulletin board sites, such as Craig’s List, have established their own re-sale sites and are open for business.

In case you’re not in the know about these daily deal sites, they provide a great, affordable way to discover what a city has to offer by selling heavily discounted deals for services and products in your area or online - With deals like Living Social’s Amazon price buster, offering a $20 gift card for $10 and surpassing one million gift cards sold, there are sure to be some “miss-buys.” You thought you wanted, or needed it, but in the end it was something you were never going to use.

After doing a little investigation, I came up with several names of deal for “resale” businesses, with a few emerging as the leaders of the pack. DealsGoRound, CoupRecoup, and Lifesta are suddenly making an impact in the market.

Yael Gavish, co-founder of Lifesta, says she saw a need for a forum focused on the aftermarket. She had a friend visiting her in New York, who had purchased a Groupon certificate. Unfortunately, when the friend arrived, they discovered the restaurant was closed for renovations. Her friend was out the money, but the idea was created.

"People buy daily deals and they all work on the impulse buy," explains Yael Gavish of Lifesta.com. "So you think you're definitely going to this, but then, it turns out that 20-40 percent of these daily deals are never really used." Their site has seen a monthly growth of 50 percent, mainly through word of mouth.

A great solution for “buyers remorse” if I ever saw one!

bench craft company

New York Yankees <b>News</b>: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

Report: More than 700 children died in Afghan conflict in 2010 <b>...</b>

KABUL (BNO NEWS) -- More than 700 children lost their lives in conflict-related security incidents in Afghanistan in 2010, according to figures compiled in an annual report of the Afghanistan Rights Monitor (ARM). ...

Breaking <b>news</b>: Obama quits smoking « Hot Air

Breaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...

bench craft company

There’s a lot of buzz about small business funding these days. The issue has become a major one not only in the small business community but also among government leaders. It’s certain that finding the funds for your small business venture, especially until cash flow becomes regular, is a challenge every small business owner or entrepreneur faces. If you’re facing this issue, we hope the resources below will help. If there is a creative way you have dealt with this issue yourself, please let us know in the comment section below. We would love to hear.

Basics

Four tips for raising cash. Raising money for your business venture is always a challenge and more so in a challenging economic climate. But tough times shouldn’t stop a determined entrepreneur from getting under way…whether investment is easy to come by or not. Open Forum

Praying for the help of angels. This simple post gives first-time entrepreneurs a detailed overview of the angel investor’s world. But more importantly, it takes a look at why angels invest and the kinds of businesses they prefer to invest in. If you’re seeking investment for your business start-up, it’s best to know what invest are looking for…including angels. The Smart Startup

Policy

U.S. program brings entrepreneurs/investors together. Venture capital investor Brad Feld talks about the newly unveiled Startup America Partnership as proof Washington “gets it” when it comes to promoting entrepreneurship. While we’re sure any program putting entrepreneurs and investors together can’t be all bad, a look at lowering taxes and revisiting the potentially harmful healthcare law would help as much as investment Brad. Feld Thoughts

Startup America boosts funding. Another post celebrates the federal program aiming at putting together entrepreneurs with investors. Here Aneesh Chopra, United States Chief Technology Officer, explains and praises the program. Getting funding to startups has become a major focus of government policy, but how will this translate to the broader small business community? Tech Crunch

Startups

New startup aims at providing capital for small business. A new company is trying to automate the loan process allowing small businesses to get an evaluation then apply for funding online. In essence, On Deck Capital takes the classic business approach of finding a problem and solving it. In this case, the problem is finding a better way to get investment for other small businesses. DealBook

Trends

Groundhog Day predictions. Yes, Punxsutawney Phil, the famous groundhog, made his own predictions for the length of winter and the coming of Spring, but small business experts are making their own predictions too. Here are five small business predictions for Spring from a variety of sources, not surprisingly a few touching upon small business funding and its availability. Business News Daily

Small businesses get more credit card offers. Credit card companies will be making more offers to small businesses, according to recent media reports. But could entrepreneurs be too worried about taking on extra debt to take advantage of this opportunity? Read Rieva Lesonsky’s detailed overview of this new funding option and what it means. Small Business Trends

Resources

A whole new fundraising frontier. Could social media be the next frontier for small business fundraising in the same way that it has been for marketing and networking? Enter Kickstarter and other similar sites that turn to online communities as a way of funding projects. Could it be right for your funding needs? Open Forum

Raising capital: a how-to guide. Putting together funding for a small business has never been easy. Still it can be one of the most important skills an entrepreneur possesses. Still, getting started with the fundraising process for your small business is not rocket science. Here are some basic steps to get you started. Open Forum

News

Is small business funding still plagued by discrimination? A settlement as a result of a discrimination suit filed against the U.S. Small Business Administration has apparently still not resolved the issue of whether the federal agency is bias toward minority applicants for business funding. What’s your take on whether the federal loan program could be impeding investment in small business especially in minority or under-served communities? NYTimes

From Small Business TrendsSmall Business News: Small Business Funding Facts

What to do with those coupons that you impulsively bought off of Groupon, Living Social, Ideeli, or any of the many other discounted ‘deal of the day’ sites? Sell ‘em!

That’s right, there’s a site for everything these days, and selling coupons, while initially relegated to online bulletin board sites, such as Craig’s List, have established their own re-sale sites and are open for business.

In case you’re not in the know about these daily deal sites, they provide a great, affordable way to discover what a city has to offer by selling heavily discounted deals for services and products in your area or online - With deals like Living Social’s Amazon price buster, offering a $20 gift card for $10 and surpassing one million gift cards sold, there are sure to be some “miss-buys.” You thought you wanted, or needed it, but in the end it was something you were never going to use.

After doing a little investigation, I came up with several names of deal for “resale” businesses, with a few emerging as the leaders of the pack. DealsGoRound, CoupRecoup, and Lifesta are suddenly making an impact in the market.

Yael Gavish, co-founder of Lifesta, says she saw a need for a forum focused on the aftermarket. She had a friend visiting her in New York, who had purchased a Groupon certificate. Unfortunately, when the friend arrived, they discovered the restaurant was closed for renovations. Her friend was out the money, but the idea was created.

"People buy daily deals and they all work on the impulse buy," explains Yael Gavish of Lifesta.com. "So you think you're definitely going to this, but then, it turns out that 20-40 percent of these daily deals are never really used." Their site has seen a monthly growth of 50 percent, mainly through word of mouth.

A great solution for “buyers remorse” if I ever saw one!

bench craft company>

New York Yankees <b>News</b>: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

Report: More than 700 children died in Afghan conflict in 2010 <b>...</b>

KABUL (BNO NEWS) -- More than 700 children lost their lives in conflict-related security incidents in Afghanistan in 2010, according to figures compiled in an annual report of the Afghanistan Rights Monitor (ARM). ...

Breaking <b>news</b>: Obama quits smoking « Hot Air

Breaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...

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[reefeed]
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New York Yankees <b>News</b>: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

Report: More than 700 children died in Afghan conflict in 2010 <b>...</b>

KABUL (BNO NEWS) -- More than 700 children lost their lives in conflict-related security incidents in Afghanistan in 2010, according to figures compiled in an annual report of the Afghanistan Rights Monitor (ARM). ...

Breaking <b>news</b>: Obama quits smoking « Hot Air

Breaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...

bench craft company

There’s a lot of buzz about small business funding these days. The issue has become a major one not only in the small business community but also among government leaders. It’s certain that finding the funds for your small business venture, especially until cash flow becomes regular, is a challenge every small business owner or entrepreneur faces. If you’re facing this issue, we hope the resources below will help. If there is a creative way you have dealt with this issue yourself, please let us know in the comment section below. We would love to hear.

Basics

Four tips for raising cash. Raising money for your business venture is always a challenge and more so in a challenging economic climate. But tough times shouldn’t stop a determined entrepreneur from getting under way…whether investment is easy to come by or not. Open Forum

Praying for the help of angels. This simple post gives first-time entrepreneurs a detailed overview of the angel investor’s world. But more importantly, it takes a look at why angels invest and the kinds of businesses they prefer to invest in. If you’re seeking investment for your business start-up, it’s best to know what invest are looking for…including angels. The Smart Startup

Policy

U.S. program brings entrepreneurs/investors together. Venture capital investor Brad Feld talks about the newly unveiled Startup America Partnership as proof Washington “gets it” when it comes to promoting entrepreneurship. While we’re sure any program putting entrepreneurs and investors together can’t be all bad, a look at lowering taxes and revisiting the potentially harmful healthcare law would help as much as investment Brad. Feld Thoughts

Startup America boosts funding. Another post celebrates the federal program aiming at putting together entrepreneurs with investors. Here Aneesh Chopra, United States Chief Technology Officer, explains and praises the program. Getting funding to startups has become a major focus of government policy, but how will this translate to the broader small business community? Tech Crunch

Startups

New startup aims at providing capital for small business. A new company is trying to automate the loan process allowing small businesses to get an evaluation then apply for funding online. In essence, On Deck Capital takes the classic business approach of finding a problem and solving it. In this case, the problem is finding a better way to get investment for other small businesses. DealBook

Trends

Groundhog Day predictions. Yes, Punxsutawney Phil, the famous groundhog, made his own predictions for the length of winter and the coming of Spring, but small business experts are making their own predictions too. Here are five small business predictions for Spring from a variety of sources, not surprisingly a few touching upon small business funding and its availability. Business News Daily

Small businesses get more credit card offers. Credit card companies will be making more offers to small businesses, according to recent media reports. But could entrepreneurs be too worried about taking on extra debt to take advantage of this opportunity? Read Rieva Lesonsky’s detailed overview of this new funding option and what it means. Small Business Trends

Resources

A whole new fundraising frontier. Could social media be the next frontier for small business fundraising in the same way that it has been for marketing and networking? Enter Kickstarter and other similar sites that turn to online communities as a way of funding projects. Could it be right for your funding needs? Open Forum

Raising capital: a how-to guide. Putting together funding for a small business has never been easy. Still it can be one of the most important skills an entrepreneur possesses. Still, getting started with the fundraising process for your small business is not rocket science. Here are some basic steps to get you started. Open Forum

News

Is small business funding still plagued by discrimination? A settlement as a result of a discrimination suit filed against the U.S. Small Business Administration has apparently still not resolved the issue of whether the federal agency is bias toward minority applicants for business funding. What’s your take on whether the federal loan program could be impeding investment in small business especially in minority or under-served communities? NYTimes

From Small Business TrendsSmall Business News: Small Business Funding Facts

What to do with those coupons that you impulsively bought off of Groupon, Living Social, Ideeli, or any of the many other discounted ‘deal of the day’ sites? Sell ‘em!

That’s right, there’s a site for everything these days, and selling coupons, while initially relegated to online bulletin board sites, such as Craig’s List, have established their own re-sale sites and are open for business.

In case you’re not in the know about these daily deal sites, they provide a great, affordable way to discover what a city has to offer by selling heavily discounted deals for services and products in your area or online - With deals like Living Social’s Amazon price buster, offering a $20 gift card for $10 and surpassing one million gift cards sold, there are sure to be some “miss-buys.” You thought you wanted, or needed it, but in the end it was something you were never going to use.

After doing a little investigation, I came up with several names of deal for “resale” businesses, with a few emerging as the leaders of the pack. DealsGoRound, CoupRecoup, and Lifesta are suddenly making an impact in the market.

Yael Gavish, co-founder of Lifesta, says she saw a need for a forum focused on the aftermarket. She had a friend visiting her in New York, who had purchased a Groupon certificate. Unfortunately, when the friend arrived, they discovered the restaurant was closed for renovations. Her friend was out the money, but the idea was created.

"People buy daily deals and they all work on the impulse buy," explains Yael Gavish of Lifesta.com. "So you think you're definitely going to this, but then, it turns out that 20-40 percent of these daily deals are never really used." Their site has seen a monthly growth of 50 percent, mainly through word of mouth.

A great solution for “buyers remorse” if I ever saw one!

bench craft company

bench craft company

New York Yankees <b>News</b>: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

Report: More than 700 children died in Afghan conflict in 2010 <b>...</b>

KABUL (BNO NEWS) -- More than 700 children lost their lives in conflict-related security incidents in Afghanistan in 2010, according to figures compiled in an annual report of the Afghanistan Rights Monitor (ARM). ...

Breaking <b>news</b>: Obama quits smoking « Hot Air

Breaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...

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bench craft company

New York Yankees <b>News</b>: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

Report: More than 700 children died in Afghan conflict in 2010 <b>...</b>

KABUL (BNO NEWS) -- More than 700 children lost their lives in conflict-related security incidents in Afghanistan in 2010, according to figures compiled in an annual report of the Afghanistan Rights Monitor (ARM). ...

Breaking <b>news</b>: Obama quits smoking « Hot Air

Breaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...

bench craft company

New York Yankees <b>News</b>: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

Report: More than 700 children died in Afghan conflict in 2010 <b>...</b>

KABUL (BNO NEWS) -- More than 700 children lost their lives in conflict-related security incidents in Afghanistan in 2010, according to figures compiled in an annual report of the Afghanistan Rights Monitor (ARM). ...

Breaking <b>news</b>: Obama quits smoking « Hot Air

Breaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...

bench craft company

New York Yankees <b>News</b>: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

Report: More than 700 children died in Afghan conflict in 2010 <b>...</b>

KABUL (BNO NEWS) -- More than 700 children lost their lives in conflict-related security incidents in Afghanistan in 2010, according to figures compiled in an annual report of the Afghanistan Rights Monitor (ARM). ...

Breaking <b>news</b>: Obama quits smoking « Hot Air

Breaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...

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New York Yankees <b>News</b>: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

Report: More than 700 children died in Afghan conflict in 2010 <b>...</b>

KABUL (BNO NEWS) -- More than 700 children lost their lives in conflict-related security incidents in Afghanistan in 2010, according to figures compiled in an annual report of the Afghanistan Rights Monitor (ARM). ...

Breaking <b>news</b>: Obama quits smoking « Hot Air

Breaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...

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I stumbled upon Moola by accident. On my quest to make money online, I was looking at some forums. One of them suggested a site were you get paid to play video games. I love making money online and I love video games so this sounded perfect.

Moola is a pretty cool site. Moola starts you of with 1 cent. The goal is to bet that one cent on one of their games and double up enough to make serious cash. This is easier said than done and I have not won more than 5 consecutive games in a row.

The games are really fun though. As of the date this article is published there are 3 games. They are "Gold Rush", "Hi-Lo", and "Ro-Sham-Bo-Fu". Gold Rush is a game with 6 rounds in which you have 6 nuggets. The goal is to get your nuggets to outweigh the opponents nuggets and win that round. Once you win a round, that score goes to your final total. The person with the most points at the end wins. Sounds a little complicated but it is really easy. The only problem I have with this game is that it ends in a tie too often. "Hi-Lo" is easy enough. You try and guess if the next card is going to be higher or lower than the last card. The strategy come in when you have to decided when to lock down. This is my favorite game on the site. "Ro-Sham-Bo-Fu" is your standard rock-paper-scissors with a twist. Each round you are offered a bonus if you don't use the selected motion. The game is the most strategic of all the games and requires a lot of thinking.

Before you can play any of these games you have to watch an advertisement and answer a question about it. I hate looking at advertisements but they do have to make that penny somehow. It's kind of clever really. You will definitely have to remember the commercial.

There are a number of other ways to make money on Moola. The one I like the most is the Search and Win category. You simply use their Snap.com search engine and once a day you get a bonus booster. A bonus booster wheel is like a Wheel of Fortune wheel with a bunch of cent values on it. They have a few big ones on it but I doubt anyone will ever get it. The Snap.com search engine is kind of cool too. It previews all of the sites on a sidebar before you view them. Another way to make money is going to the Booster Zone. Once there you will find a Booster Shopping Mall and a Cash Back section. This is a kind of CashCrate-esque section of the site where you make money filling out offers. I personally only like free offers because I don't have a credit card and it all seems a bit sketchy. But for those of you who love filling out offers this portion of the site is great!

The referral section is the most unique of its kind. No one can simply go to Moola and sign up for an account. A person has to be referred to use the site. Each member is given a few referrals at a time to give away. The referral section is based on a 4 tier system. The way you make money on referrals is by people filling out offers or cashing out. Cashing out is hard to do if you only play the games so if you are looking to make money you have to either do some of the offers, refer a lot of people, or get really REALLY lucky.

Overall, I really like Moola. You probably won't make a lot of money online but you WILL have fun. If you need a referral either go to the Moola Invites Forum or go to my Content Producer website. I have a few referrals if you want to be a part of this growing and fun community.

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surface encounters

Jeff Fager to be Named Chairman of CBS <b>News</b> - NYTimes.com

Jeff Fager, the executive producer of "60 Minutes," will be named chairman of CBS News, the network announced Tuesday.

<b>News</b> Desk: To-Do List: Packers, Huffington Ascend the Ranks : The <b>...</b>

To know: The two American hikers who have been held in Iran for eighteen months on espionage charges pleaded not guilty on the first day of their trial. Frank Wisner, Barack Obama.

International <b>News</b> Channel Euronews to Generate its Own <b>News</b> <b>...</b>

Channel will shift from being client of news agencies to a competitor.

surface encounters

Jeff Fager to be Named Chairman of CBS <b>News</b> - NYTimes.com

Jeff Fager, the executive producer of "60 Minutes," will be named chairman of CBS News, the network announced Tuesday.

<b>News</b> Desk: To-Do List: Packers, Huffington Ascend the Ranks : The <b>...</b>

To know: The two American hikers who have been held in Iran for eighteen months on espionage charges pleaded not guilty on the first day of their trial. Frank Wisner, Barack Obama.

International <b>News</b> Channel Euronews to Generate its Own <b>News</b> <b>...</b>

Channel will shift from being client of news agencies to a competitor.

surface encounters

Jeff Fager to be Named Chairman of CBS <b>News</b> - NYTimes.com

Jeff Fager, the executive producer of "60 Minutes," will be named chairman of CBS News, the network announced Tuesday.

<b>News</b> Desk: To-Do List: Packers, Huffington Ascend the Ranks : The <b>...</b>

To know: The two American hikers who have been held in Iran for eighteen months on espionage charges pleaded not guilty on the first day of their trial. Frank Wisner, Barack Obama.

International <b>News</b> Channel Euronews to Generate its Own <b>News</b> <b>...</b>

Channel will shift from being client of news agencies to a competitor.

surface encounters

Jeff Fager to be Named Chairman of CBS <b>News</b> - NYTimes.com

Jeff Fager, the executive producer of "60 Minutes," will be named chairman of CBS News, the network announced Tuesday.

<b>News</b> Desk: To-Do List: Packers, Huffington Ascend the Ranks : The <b>...</b>

To know: The two American hikers who have been held in Iran for eighteen months on espionage charges pleaded not guilty on the first day of their trial. Frank Wisner, Barack Obama.

International <b>News</b> Channel Euronews to Generate its Own <b>News</b> <b>...</b>

Channel will shift from being client of news agencies to a competitor.

surface encounters

Jeff Fager to be Named Chairman of CBS <b>News</b> - NYTimes.com

Jeff Fager, the executive producer of "60 Minutes," will be named chairman of CBS News, the network announced Tuesday.

<b>News</b> Desk: To-Do List: Packers, Huffington Ascend the Ranks : The <b>...</b>

To know: The two American hikers who have been held in Iran for eighteen months on espionage charges pleaded not guilty on the first day of their trial. Frank Wisner, Barack Obama.

International <b>News</b> Channel Euronews to Generate its Own <b>News</b> <b>...</b>

Channel will shift from being client of news agencies to a competitor.

surface encounters

Jeff Fager to be Named Chairman of CBS <b>News</b> - NYTimes.com

Jeff Fager, the executive producer of "60 Minutes," will be named chairman of CBS News, the network announced Tuesday.

<b>News</b> Desk: To-Do List: Packers, Huffington Ascend the Ranks : The <b>...</b>

To know: The two American hikers who have been held in Iran for eighteen months on espionage charges pleaded not guilty on the first day of their trial. Frank Wisner, Barack Obama.

International <b>News</b> Channel Euronews to Generate its Own <b>News</b> <b>...</b>

Channel will shift from being client of news agencies to a competitor.

surface encounters

Jeff Fager to be Named Chairman of CBS <b>News</b> - NYTimes.com

Jeff Fager, the executive producer of "60 Minutes," will be named chairman of CBS News, the network announced Tuesday.

<b>News</b> Desk: To-Do List: Packers, Huffington Ascend the Ranks : The <b>...</b>

To know: The two American hikers who have been held in Iran for eighteen months on espionage charges pleaded not guilty on the first day of their trial. Frank Wisner, Barack Obama.

International <b>News</b> Channel Euronews to Generate its Own <b>News</b> <b>...</b>

Channel will shift from being client of news agencies to a competitor.

surface encounters

Jeff Fager to be Named Chairman of CBS <b>News</b> - NYTimes.com

Jeff Fager, the executive producer of "60 Minutes," will be named chairman of CBS News, the network announced Tuesday.

<b>News</b> Desk: To-Do List: Packers, Huffington Ascend the Ranks : The <b>...</b>

To know: The two American hikers who have been held in Iran for eighteen months on espionage charges pleaded not guilty on the first day of their trial. Frank Wisner, Barack Obama.

International <b>News</b> Channel Euronews to Generate its Own <b>News</b> <b>...</b>

Channel will shift from being client of news agencies to a competitor.

surface encounters

Jeff Fager to be Named Chairman of CBS <b>News</b> - NYTimes.com

Jeff Fager, the executive producer of "60 Minutes," will be named chairman of CBS News, the network announced Tuesday.

<b>News</b> Desk: To-Do List: Packers, Huffington Ascend the Ranks : The <b>...</b>

To know: The two American hikers who have been held in Iran for eighteen months on espionage charges pleaded not guilty on the first day of their trial. Frank Wisner, Barack Obama.

International <b>News</b> Channel Euronews to Generate its Own <b>News</b> <b>...</b>

Channel will shift from being client of news agencies to a competitor.

surface encounters

Jeff Fager to be Named Chairman of CBS <b>News</b> - NYTimes.com

Jeff Fager, the executive producer of "60 Minutes," will be named chairman of CBS News, the network announced Tuesday.

<b>News</b> Desk: To-Do List: Packers, Huffington Ascend the Ranks : The <b>...</b>

To know: The two American hikers who have been held in Iran for eighteen months on espionage charges pleaded not guilty on the first day of their trial. Frank Wisner, Barack Obama.

International <b>News</b> Channel Euronews to Generate its Own <b>News</b> <b>...</b>

Channel will shift from being client of news agencies to a competitor.

Money Making Secrets

In an interview, a former credit card thief talks about some of the scams he used to run on unwary consumers. It's got some good takeaways for protecting yourself, like the one where you make up fake answers to security questions. With all the info that can be found online now some of these security questions aren't that hard to figure out. So instead of putting down the real answer to "What's your mother's maiden name?" put down "unicorn princess."

Secrets of a Former Credit Card Thief [Yahoo] (Thanks to Newdreams!)

Facebook finally put out a press release on PR Newswire officially setting the record straight on $1.5 billion in funding. The overseas clientele of Goldman Sachs bought $1 billion, and the bank plus Digital Sky Technologies together invested another $500 million.

The blogosphere will doubtlessly explode with posts about why and how the numbers seem to have changed from what was originally reported by The New York Times on January 2. I don’t think the size of the deal selling to Goldman’s clientele shrank from $1.5 billion to $1 billion because of U.S. investors got shut out of the deal, although that’s a clever idea.

I think the discrepancy more likely has to do with the nature of off-the-record scoops, like the one that started the media frenzy in the first place.  Rarely do the early leaks of secrets ever turn out to be accurate. Don’t mistake this as dissing any of the previous coverage of $500 million in direct investment and $1.5 billion from Goldman clientele. Like the release says, Facebook chose to limit the overseas offering to $1 billion, after the bank offered the choice of a range from $375 million to $1.5 billion.

The release consists of one straightforward factual paragraph, a quote from Facebook Chief Financial Officer David Ebersman and then a set of four questions and answers about the deal — all of it appears below, except for the boilerplate at the tail end. The fact that this official statement came out today indicates that the deal has closed. Read on for the release:

Facebook Raises $1.5 Billion

Facebook Receives $1 Billion from Goldman Sachs Overseas Offering; Digital Sky Technologies and Goldman Sachs Also Recently Made $500 Million Direct Investment

Investment Values Facebook at $50 Billion

PALO ALTO, Calif., Jan. 21, 2011 /PRNewswire/ — Facebook today announced it has raised U.S.$1.5 billion at a valuation of approximately $50 billion.

The transaction consisted of two parts. Today, Goldman Sachs completed an oversubscribed offering to its non-U.S. clients in a fund that invested $1 billion in Facebook Class A common stock. In December, Digital Sky Technologies (DST), The Goldman Sachs Group, Inc., and funds managed by Goldman Sachs invested $500 million in Facebook Class A common stock at the same valuation.

“Our business continues to perform well, and we are pleased to be able to bolster our cash position with this new financing,” said David Ebersman, Facebook’s chief financial officer. “With this investment completed, we now have greater financial flexibility to explore whatever opportunities lie ahead.”

The investment generated a significant number of questions from interested parties and Facebook has addressed the most common ones below.

Why did Facebook raise this money?

DST and Goldman Sachs approached Facebook to express their interest in making an investment, and Facebook decided it was an attractive opportunity to bolster its cash reserves and increase its financial flexibility with limited dilution to existing shareholders.

Why did Facebook choose to raise $1 billion in the overseas offering?

Under the transaction’s terms, Facebook had the option to accept between $375 million and $1.5 billion from the Goldman Sachs overseas offering, at the discretion of Facebook. While the offering was oversubscribed, Facebook made a business decision to limit the offering to $1 billion.

What are Facebook’s plans for the proceeds of this transaction?

There are no immediate plans for these funds. Facebook will continue investing to build and expand its operations.

Does this investment mean that Facebook will have more than 500 shareholders?

Even before the investment from Goldman Sachs, Facebook had expected to pass 500 shareholders at some point in 2011, and therefore expects to start filing public financial reports no later than April 30, 2012.

It’s great to see that the social network will indeed begin making financial disclosures to the public by the end of April; and the release doesn’t say anything about whether or when an  initial public offering might happen.

Why do you think the total size of the transaction changed from the originally reported $1.5 billion coming from overseas clients of Goldman Sachs to the currently announced $1 billion?

benchcraft company scam

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

Pitchfork: LCD Soundsystem Announce Farewell NYC Show

Photo by Ruvan Wijesooriya; front page photo by Leigh Ann Hines LCD Soundsystem have announced that they will play their ...

bench craft company reviews

In an interview, a former credit card thief talks about some of the scams he used to run on unwary consumers. It's got some good takeaways for protecting yourself, like the one where you make up fake answers to security questions. With all the info that can be found online now some of these security questions aren't that hard to figure out. So instead of putting down the real answer to "What's your mother's maiden name?" put down "unicorn princess."

Secrets of a Former Credit Card Thief [Yahoo] (Thanks to Newdreams!)

Facebook finally put out a press release on PR Newswire officially setting the record straight on $1.5 billion in funding. The overseas clientele of Goldman Sachs bought $1 billion, and the bank plus Digital Sky Technologies together invested another $500 million.

The blogosphere will doubtlessly explode with posts about why and how the numbers seem to have changed from what was originally reported by The New York Times on January 2. I don’t think the size of the deal selling to Goldman’s clientele shrank from $1.5 billion to $1 billion because of U.S. investors got shut out of the deal, although that’s a clever idea.

I think the discrepancy more likely has to do with the nature of off-the-record scoops, like the one that started the media frenzy in the first place.  Rarely do the early leaks of secrets ever turn out to be accurate. Don’t mistake this as dissing any of the previous coverage of $500 million in direct investment and $1.5 billion from Goldman clientele. Like the release says, Facebook chose to limit the overseas offering to $1 billion, after the bank offered the choice of a range from $375 million to $1.5 billion.

The release consists of one straightforward factual paragraph, a quote from Facebook Chief Financial Officer David Ebersman and then a set of four questions and answers about the deal — all of it appears below, except for the boilerplate at the tail end. The fact that this official statement came out today indicates that the deal has closed. Read on for the release:

Facebook Raises $1.5 Billion

Facebook Receives $1 Billion from Goldman Sachs Overseas Offering; Digital Sky Technologies and Goldman Sachs Also Recently Made $500 Million Direct Investment

Investment Values Facebook at $50 Billion

PALO ALTO, Calif., Jan. 21, 2011 /PRNewswire/ — Facebook today announced it has raised U.S.$1.5 billion at a valuation of approximately $50 billion.

The transaction consisted of two parts. Today, Goldman Sachs completed an oversubscribed offering to its non-U.S. clients in a fund that invested $1 billion in Facebook Class A common stock. In December, Digital Sky Technologies (DST), The Goldman Sachs Group, Inc., and funds managed by Goldman Sachs invested $500 million in Facebook Class A common stock at the same valuation.

“Our business continues to perform well, and we are pleased to be able to bolster our cash position with this new financing,” said David Ebersman, Facebook’s chief financial officer. “With this investment completed, we now have greater financial flexibility to explore whatever opportunities lie ahead.”

The investment generated a significant number of questions from interested parties and Facebook has addressed the most common ones below.

Why did Facebook raise this money?

DST and Goldman Sachs approached Facebook to express their interest in making an investment, and Facebook decided it was an attractive opportunity to bolster its cash reserves and increase its financial flexibility with limited dilution to existing shareholders.

Why did Facebook choose to raise $1 billion in the overseas offering?

Under the transaction’s terms, Facebook had the option to accept between $375 million and $1.5 billion from the Goldman Sachs overseas offering, at the discretion of Facebook. While the offering was oversubscribed, Facebook made a business decision to limit the offering to $1 billion.

What are Facebook’s plans for the proceeds of this transaction?

There are no immediate plans for these funds. Facebook will continue investing to build and expand its operations.

Does this investment mean that Facebook will have more than 500 shareholders?

Even before the investment from Goldman Sachs, Facebook had expected to pass 500 shareholders at some point in 2011, and therefore expects to start filing public financial reports no later than April 30, 2012.

It’s great to see that the social network will indeed begin making financial disclosures to the public by the end of April; and the release doesn’t say anything about whether or when an  initial public offering might happen.

Why do you think the total size of the transaction changed from the originally reported $1.5 billion coming from overseas clients of Goldman Sachs to the currently announced $1 billion?

bench craft company reviews

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

Pitchfork: LCD Soundsystem Announce Farewell NYC Show

Photo by Ruvan Wijesooriya; front page photo by Leigh Ann Hines LCD Soundsystem have announced that they will play their ...

benchcraft company portland or
[reefeed]
bench craft company reviews

benchcraft company portland or

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

Pitchfork: LCD Soundsystem Announce Farewell NYC Show

Photo by Ruvan Wijesooriya; front page photo by Leigh Ann Hines LCD Soundsystem have announced that they will play their ...

benchcraft company scam

In an interview, a former credit card thief talks about some of the scams he used to run on unwary consumers. It's got some good takeaways for protecting yourself, like the one where you make up fake answers to security questions. With all the info that can be found online now some of these security questions aren't that hard to figure out. So instead of putting down the real answer to "What's your mother's maiden name?" put down "unicorn princess."

Secrets of a Former Credit Card Thief [Yahoo] (Thanks to Newdreams!)

Facebook finally put out a press release on PR Newswire officially setting the record straight on $1.5 billion in funding. The overseas clientele of Goldman Sachs bought $1 billion, and the bank plus Digital Sky Technologies together invested another $500 million.

The blogosphere will doubtlessly explode with posts about why and how the numbers seem to have changed from what was originally reported by The New York Times on January 2. I don’t think the size of the deal selling to Goldman’s clientele shrank from $1.5 billion to $1 billion because of U.S. investors got shut out of the deal, although that’s a clever idea.

I think the discrepancy more likely has to do with the nature of off-the-record scoops, like the one that started the media frenzy in the first place.  Rarely do the early leaks of secrets ever turn out to be accurate. Don’t mistake this as dissing any of the previous coverage of $500 million in direct investment and $1.5 billion from Goldman clientele. Like the release says, Facebook chose to limit the overseas offering to $1 billion, after the bank offered the choice of a range from $375 million to $1.5 billion.

The release consists of one straightforward factual paragraph, a quote from Facebook Chief Financial Officer David Ebersman and then a set of four questions and answers about the deal — all of it appears below, except for the boilerplate at the tail end. The fact that this official statement came out today indicates that the deal has closed. Read on for the release:

Facebook Raises $1.5 Billion

Facebook Receives $1 Billion from Goldman Sachs Overseas Offering; Digital Sky Technologies and Goldman Sachs Also Recently Made $500 Million Direct Investment

Investment Values Facebook at $50 Billion

PALO ALTO, Calif., Jan. 21, 2011 /PRNewswire/ — Facebook today announced it has raised U.S.$1.5 billion at a valuation of approximately $50 billion.

The transaction consisted of two parts. Today, Goldman Sachs completed an oversubscribed offering to its non-U.S. clients in a fund that invested $1 billion in Facebook Class A common stock. In December, Digital Sky Technologies (DST), The Goldman Sachs Group, Inc., and funds managed by Goldman Sachs invested $500 million in Facebook Class A common stock at the same valuation.

“Our business continues to perform well, and we are pleased to be able to bolster our cash position with this new financing,” said David Ebersman, Facebook’s chief financial officer. “With this investment completed, we now have greater financial flexibility to explore whatever opportunities lie ahead.”

The investment generated a significant number of questions from interested parties and Facebook has addressed the most common ones below.

Why did Facebook raise this money?

DST and Goldman Sachs approached Facebook to express their interest in making an investment, and Facebook decided it was an attractive opportunity to bolster its cash reserves and increase its financial flexibility with limited dilution to existing shareholders.

Why did Facebook choose to raise $1 billion in the overseas offering?

Under the transaction’s terms, Facebook had the option to accept between $375 million and $1.5 billion from the Goldman Sachs overseas offering, at the discretion of Facebook. While the offering was oversubscribed, Facebook made a business decision to limit the offering to $1 billion.

What are Facebook’s plans for the proceeds of this transaction?

There are no immediate plans for these funds. Facebook will continue investing to build and expand its operations.

Does this investment mean that Facebook will have more than 500 shareholders?

Even before the investment from Goldman Sachs, Facebook had expected to pass 500 shareholders at some point in 2011, and therefore expects to start filing public financial reports no later than April 30, 2012.

It’s great to see that the social network will indeed begin making financial disclosures to the public by the end of April; and the release doesn’t say anything about whether or when an  initial public offering might happen.

Why do you think the total size of the transaction changed from the originally reported $1.5 billion coming from overseas clients of Goldman Sachs to the currently announced $1 billion?

bench craft company reviews

bench craft company reviews

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

Pitchfork: LCD Soundsystem Announce Farewell NYC Show

Photo by Ruvan Wijesooriya; front page photo by Leigh Ann Hines LCD Soundsystem have announced that they will play their ...

benchcraft company portland or

benchcraft company scam

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

Pitchfork: LCD Soundsystem Announce Farewell NYC Show

Photo by Ruvan Wijesooriya; front page photo by Leigh Ann Hines LCD Soundsystem have announced that they will play their ...

benchcraft company scam

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

Pitchfork: LCD Soundsystem Announce Farewell NYC Show

Photo by Ruvan Wijesooriya; front page photo by Leigh Ann Hines LCD Soundsystem have announced that they will play their ...

bench craft company reviews

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

Pitchfork: LCD Soundsystem Announce Farewell NYC Show

Photo by Ruvan Wijesooriya; front page photo by Leigh Ann Hines LCD Soundsystem have announced that they will play their ...

how to lose weight fast benchcraft company portland or
bench craft company reviews

bench craft company reviews
bench craft company reviews

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

Pitchfork: LCD Soundsystem Announce Farewell NYC Show

Photo by Ruvan Wijesooriya; front page photo by Leigh Ann Hines LCD Soundsystem have announced that they will play their ...

benchcraft company scam

I have made money by posting my art on article cites such as Associated Content and Bukisa. I recommend that you seek out every article on how to make money, sell items, SEO, setting up internet stores, and getting more hits on eHow, hubpages, and Squidoo. Since I have never bought the books that some of the "get your money making opportunities here" types sell, I can not recommend them. Hey, maybe they work but since I don't know that from my own experience I can not say. What you are looking for is the same thing I ran across. Different places to post your content.

As other revealers of inner, hidden secrets have related, one of the tips that can make you money is cross posting. If you post an article here on eHow, you can also post it on Bukisa and if you are careful about the copyrighting settings: Associated Content. Associated Content is not rocket science, just be careful to admit that you have posted the content first elsewhere. Your mileage may vary but I prefer to post my original content first on a site like eHow and then cross post it on Bukisa and Associated Content. Let the lawyers haggle over the truth of the matter but the way I read what you sign up for when you post something on Associated Content is that if your post it exclusively and say that you a have not posted it elsewhere then you are legally bound not to post it elsewhere. I believe that the legal recourse that Associated Content uses is to ban you for life. Given that you can be honest and tell them that you posted it elsewhere first, why not go that way? The exception for me to this rule are when I take an assignment from Associated content or submit something for up front payment from Associated Content. Then they get the first and only dibs on the content. These remarks refer to written works only. I have not had anyone say that I was restricted in where and when I can post my art so I do what I like with it.

But I digress, we were discussing how to make money from artwork. Okay, on both Bukisa and Associated Content you can make slide shows of your artistic content. I make jpegs of my abstract art and I combine them together to make little movies or slide shows. I make jpegs by using C# and VB.Net directly in Visual Studio 2008 but if you are not a programmer then I would suggest you stick with things like Adobe, Microsoft, Flash and the like to make your movies. I will put links to my work in the resources so you can get a look at what the finished product looks like.

Squidoo is a different breed of cat. You need to begin with written comment and then use your art to illustrate the words. Hubpages has a similar outlook on life but I am not aware of how to make money just from clicks on Hubpages so I am not recommending Hubpages as a way to directly make money from clicks.

They tell me you can make money from putting affliate links on your pages but I haven't had much luck there either. In so far as I can tell, it doesn't hurt to affiliate, maybe you will have some luck with it.
Yes there are art sites that you can use to display your wares and online shops that will help you show case and sell what you have wrought. But I have never made any money in those places. Nevertheless, for the sake of completeness check out DeviantArt, LuLu, RedBubble,ebsqart,Zazzle, and CafePress. Don't forget to blog about your art and to create web pages based on it. You can have the most freedom on your own web page of course. But how do you get anyone to look at it? If you go with the right blogger you can have some control and can keep the graffiti types from selling too much porn and viagra on your site. Hey some junk is going to leak through to your blog comment pages--if you don't think so you haven't taken the porn and viagra industries seriously. Like they say in horror movies, those dudes are relentless and they never sleep...

Tips & Warnings

• Always use the links and resources in eHow and Associated Content.
• On sites like Squidoo and hubpages, don't forget to provide links to your books or content. If you have something on Amazon or Ebay, they have ready made ways for you to offer up your wares
• Be careful when cross posting. If you claim that are only posting written content on the one site, remember that they may search the web and find you out.
• Content is king. First have something interesting to show, display or say. Only after you entertain the masses is it time to sell them something.
• If your are boring, they will never click on you again.

big seminar 14

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

Pitchfork: LCD Soundsystem Announce Farewell NYC Show

Photo by Ruvan Wijesooriya; front page photo by Leigh Ann Hines LCD Soundsystem have announced that they will play their ...

big seminar 14

Verizon asks employees to delay iPhone purchases | Apple - CNET <b>News</b>

Wireless carrier cites 'unprecedented' demand for the device in asking employees to postpone purchase plans, according to a memo obtained by AppleInsider. Read this blog post by Steven Musil on Apple.

The First Look at <b>News</b> Corp.&#39;s &#39;The Daily&#39; - NYTimes.com

'The Daily,' unveiled on Wednesday, combines print, video and graphics.

Pitchfork: LCD Soundsystem Announce Farewell NYC Show

Photo by Ruvan Wijesooriya; front page photo by Leigh Ann Hines LCD Soundsystem have announced that they will play their ...

big seminar 14