Thursday, February 17, 2011

Making Money System


Some of the legal questions related to the individual mandate are, at least partially, policy questions. In particular, what does the individual mandate do? And can the law stand without it?



The argument conservatives are making right now is that the individual mandate regulates "economic inactivity." That's not a description anyone had heard of it back when conservatives were co-sponsoring bills with the individual mandate, and it's not what the policy's creator had in mind when he developed it. But that doesn't make it untrue.



To believe it, however, you need to adopt a very narrow definition of what's being affected here: Namely, the decision to purchase or not purchase health-care insurance. The more traditional view is that the individual mandate is one of a slew of rules and regulations bringing order to something much broader: The American health-care system, which all of us participate in. That's the view of the 38 health economists and academics who signed this brief (pdf). "There is no such thing as 'inactivity' or non-participation in the health care market," they wrote. "As the District Court" -- which ruled for the Affordable Care Act -- "recognized, virtually all Americans will, at some time during their life, require health care, either because of illness, accident, or the wear and tear of age."



Because health services are so expensive, the costs are defrayed over many years. That's what insurance does. And because we are a humane society, we have rules and regulations in place to ensure that people can get treated even if they don't have insurance. In that way, you may not be interested in the health-care system, but if you get hit by a bus, the health-care system is interested in you -- and that's true even though you weren't making an economic choice to become "active" in the health-care system when you stepped into the street. You were, by virtue of our laws and regulations and taxes, already an active participant. The authors of the brief make this point -- and its connection to the individual mandate -- well:



The requirement to obtain a minimal level of health insurance is predicated on the unique characteristics of the health care market -- the unavoidable need for medical care; the unpredictability of such need; the high cost of care; the inability of providers to refuse to provide care in emergency situations; and the very significant cost-shifting that underlies the way medical care is paid for in this country. Those characteristics do not obtain in other markets and, without them, the predicate for the kind of regulation adopted in Section 1501 does not exist. Hence, affirming Congress’ power to adopt Section 1501 will not open the door to unfettered expansion of federal power over individual liberty, as Appellants fear.



To make this more concrete, when an uninsured person breaks a leg and needs hospital care, that care is paid for by the rest of us. It'd be a bit odd for your economic inactivity to cost me money. But your decision to remain without insurance does cost me money, because you're an active consumer of health-care risk and an active participant on a health-care market that affords you certain benefits. When you don't purchase insurance, you've not decided against participating in the American health-care system. You're just not participating responsibly. To quote Mitt Romney:

Some of my libertarian friends balk at what looks like an individual mandate. But remember, someone has to pay for the health care that must, by law, be provided: Either the individual pays or the taxpayers pay. A free ride on the government is not libertarian.



Then there's the question of severability -- can the law work without the mandate? The legislation does not specifically say that it can. And the Obama administration, in a calculated gamble to persuade the Court that the mandate passes constitutional muster through the "necessary and proper" clause, is currently arguing that it can't. This, at least in part, led Judge Vinson to void the entire bill. "In the final analysis, this Act has been analogized to a finely crafted watch,and that seems to fit," he wrote. "It has approximately 450 separate pieces, but one essential piece (the individual mandate) is defective and must be removed. It cannot function as originally designed."



The irony of all this is that one of the central arguments in the Democratic campaign for the presidency was between the Obama campaign, which didn't think health-care reform required an individual mandate, and the Clinton campaign, which thought it did. I was on Clinton's side in that debate, but the case is more nuanced than the Obama team allowed then or is admitting now. The legislation will work much better with an individual mandate. But many people will be covered, and many goals achieved, in the absence of the mandate.






Error 403


We're sorry, but we could not fulfill your request for
/2011/02/16/there-are-49-governors-who-are-not-chris-christie/ on this server.


An invalid request was received. You claimed to be a major search engine, but you do not appear to actually be a major search engine.


Your technical support key is: 4293-f0c3-f118-2195


You can use this key to fix this problem yourself.


If you are unable to fix the problem yourself, please contact jgriffincole at gmail.com and be sure to provide the technical support key shown above.



bench craft company scam

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Steve Jobs, Eric Schmidt and Mark Zuckerberg to Meet With <b>...</b>

Apple CEO Steve Jobs, who recently took a medical leave of absence from his company, and Google chief executive Eric Schmidt will be among the attendees of President Obama's event with business leaders in San Francisco Thursday evening, ...

Arrowheadlines: Chiefs <b>News</b> 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.


benchcraft company scam

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Steve Jobs, Eric Schmidt and Mark Zuckerberg to Meet With <b>...</b>

Apple CEO Steve Jobs, who recently took a medical leave of absence from his company, and Google chief executive Eric Schmidt will be among the attendees of President Obama's event with business leaders in San Francisco Thursday evening, ...

Arrowheadlines: Chiefs <b>News</b> 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.


benchcraft company scam

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Steve Jobs, Eric Schmidt and Mark Zuckerberg to Meet With <b>...</b>

Apple CEO Steve Jobs, who recently took a medical leave of absence from his company, and Google chief executive Eric Schmidt will be among the attendees of President Obama's event with business leaders in San Francisco Thursday evening, ...

Arrowheadlines: Chiefs <b>News</b> 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.


benchcraft company scam

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Steve Jobs, Eric Schmidt and Mark Zuckerberg to Meet With <b>...</b>

Apple CEO Steve Jobs, who recently took a medical leave of absence from his company, and Google chief executive Eric Schmidt will be among the attendees of President Obama's event with business leaders in San Francisco Thursday evening, ...

Arrowheadlines: Chiefs <b>News</b> 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.


bench craft company sales

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Steve Jobs, Eric Schmidt and Mark Zuckerberg to Meet With <b>...</b>

Apple CEO Steve Jobs, who recently took a medical leave of absence from his company, and Google chief executive Eric Schmidt will be among the attendees of President Obama's event with business leaders in San Francisco Thursday evening, ...

Arrowheadlines: Chiefs <b>News</b> 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.


bench craft company sales

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Steve Jobs, Eric Schmidt and Mark Zuckerberg to Meet With <b>...</b>

Apple CEO Steve Jobs, who recently took a medical leave of absence from his company, and Google chief executive Eric Schmidt will be among the attendees of President Obama's event with business leaders in San Francisco Thursday evening, ...

Arrowheadlines: Chiefs <b>News</b> 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.


benchcraft company scam

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Steve Jobs, Eric Schmidt and Mark Zuckerberg to Meet With <b>...</b>

Apple CEO Steve Jobs, who recently took a medical leave of absence from his company, and Google chief executive Eric Schmidt will be among the attendees of President Obama's event with business leaders in San Francisco Thursday evening, ...

Arrowheadlines: Chiefs <b>News</b> 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.


bench craft company sales

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Steve Jobs, Eric Schmidt and Mark Zuckerberg to Meet With <b>...</b>

Apple CEO Steve Jobs, who recently took a medical leave of absence from his company, and Google chief executive Eric Schmidt will be among the attendees of President Obama's event with business leaders in San Francisco Thursday evening, ...

Arrowheadlines: Chiefs <b>News</b> 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.


bench craft company sales

Lost: Internet Marketing <b>News</b>, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Steve Jobs, Eric Schmidt and Mark Zuckerberg to Meet With <b>...</b>

Apple CEO Steve Jobs, who recently took a medical leave of absence from his company, and Google chief executive Eric Schmidt will be among the attendees of President Obama's event with business leaders in San Francisco Thursday evening, ...

Arrowheadlines: Chiefs <b>News</b> 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.















Tuesday, February 15, 2011

Making Money Your


Have you ever made a large cash withdrawal from a banking machine only to wonder a few days later where all the money went? Think for a moment: Where did the last $100 you spent go? Stop for a minute and write it down. Chances are you can account for most of it, but there may be five, ten, or twenty dollars missing from your list.


Why You Should Track Your Spending

What does it cost you to live each month? Some people under-estimate their expenses because they forget the things that don’t occur every month.



  • Did you include your gym costs even though you pay them once a year?

  • How about your house or car insurance?

  • Did you include the cost of your haircuts, your contact lenses, or your vacation?

  • Do you pay someone to shovel your snow, clean your windows and carpets or do your taxes?

  • What about your vet bills, the flowers for your garden or patio, your best-friend’s birthday present?


Some people under-estimate their expenses because they actually don’t know how much they’re spending on things like take-out, clothes, and coffee. Over and over when I show folks how much money they’re spending on the non-essentials of life, they’re gob-smacked. Well, the only way to make a budget that will work is to know what you have been spending so you get some sense of what you’re going to have to change.


One of the best ways to gain a perspective on your spending habits is to keep a log of everything you spend, each time you do a transaction. The idea is to figure out where you’re spending all those dimes that seem to go missing each month. It’s also about learning more about yourself and where your place your priorities. This isn’t about shame, blame, or deprivation. You don’t have to change anything you don’t want to change. But you should at least know. With a spending log, you’ll have a clear picture of what you’re getting for your money.


When you do all your money management in your head, it’s very easy to forget things — sometimes important things — that will have an impact on your overall financial life. You’re always guessing how much you have left. And you shouldn’t really be surprised when your account is overdrawn. After all, if you don’t know how much you have, how can you know how much you can spend?


If you don’t believe you can find the time to maintain your budget — collecting receipts, entering details onto your budget, adding it all up and balancing it out — think about the time you have to spend solving the problems that arise from not taking care of the details. And think about all the money you waste on overdraft fees, interest costs, and ATM transactions. You’ll have to decide whether you’d rather live life peacefully, or continue waking to the specter of financial worry rattling his chains at the foot of your bed.







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






bench craft company credit card

Great <b>news</b>: Supercomputer utterly destroys all-time champs on <b>...</b>

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS <b>News</b>&#39; Lara Logan in hospital after sexual assault in Egypt <b>...</b>

CBS News announced Tuesday that correspondent Lara Logan — who was on location in Egypt covering the protests against now former President Hosni Mubara...


bench craft company me

Great <b>news</b>: Supercomputer utterly destroys all-time champs on <b>...</b>

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS <b>News</b>&#39; Lara Logan in hospital after sexual assault in Egypt <b>...</b>

CBS News announced Tuesday that correspondent Lara Logan — who was on location in Egypt covering the protests against now former President Hosni Mubara...


bench craft company credit card

Great <b>news</b>: Supercomputer utterly destroys all-time champs on <b>...</b>

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS <b>News</b>&#39; Lara Logan in hospital after sexual assault in Egypt <b>...</b>

CBS News announced Tuesday that correspondent Lara Logan — who was on location in Egypt covering the protests against now former President Hosni Mubara...


bench craft company me

Great <b>news</b>: Supercomputer utterly destroys all-time champs on <b>...</b>

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS <b>News</b>&#39; Lara Logan in hospital after sexual assault in Egypt <b>...</b>

CBS News announced Tuesday that correspondent Lara Logan — who was on location in Egypt covering the protests against now former President Hosni Mubara...


bench craft company credit card

Great <b>news</b>: Supercomputer utterly destroys all-time champs on <b>...</b>

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS <b>News</b>&#39; Lara Logan in hospital after sexual assault in Egypt <b>...</b>

CBS News announced Tuesday that correspondent Lara Logan — who was on location in Egypt covering the protests against now former President Hosni Mubara...


bench craft company me

Great <b>news</b>: Supercomputer utterly destroys all-time champs on <b>...</b>

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS <b>News</b>&#39; Lara Logan in hospital after sexual assault in Egypt <b>...</b>

CBS News announced Tuesday that correspondent Lara Logan — who was on location in Egypt covering the protests against now former President Hosni Mubara...


bench craft company me

Great <b>news</b>: Supercomputer utterly destroys all-time champs on <b>...</b>

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS <b>News</b>&#39; Lara Logan in hospital after sexual assault in Egypt <b>...</b>

CBS News announced Tuesday that correspondent Lara Logan — who was on location in Egypt covering the protests against now former President Hosni Mubara...


bench craft company me

Great <b>news</b>: Supercomputer utterly destroys all-time champs on <b>...</b>

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS <b>News</b>&#39; Lara Logan in hospital after sexual assault in Egypt <b>...</b>

CBS News announced Tuesday that correspondent Lara Logan — who was on location in Egypt covering the protests against now former President Hosni Mubara...


bench craft company reviews

Great <b>news</b>: Supercomputer utterly destroys all-time champs on <b>...</b>

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS <b>News</b>&#39; Lara Logan in hospital after sexual assault in Egypt <b>...</b>

CBS News announced Tuesday that correspondent Lara Logan — who was on location in Egypt covering the protests against now former President Hosni Mubara...

















Friday, February 11, 2011

foreclosure defense

bench craft company

Geoff Sherman and Roy Oppenheim by Roy Oppenheim


bench craft company

Former Fox <b>News</b> Employee Makes Outrageous Claims About Network&#39;s <b>...</b>

Media Matters talks to an anonymous former employee of Fox News who makes the outrageous claims that stuff is just made up and the network's goal is to prop.

Yahoo Unveils &#39;Livestand&#39; Tablet Newsstand And &#39;Personalized <b>News</b> <b>...</b>

As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...

Former Employee Call Fox <b>News</b> A &quot;Propaganda Outfit&quot; | <b>News</b> One

A former Fox News employees has sat down with Media Matters and revealed what many have been thought to be true for years, that Fox News is a partisan driven propaganda outfit.


bench craft company

Geoff Sherman and Roy Oppenheim by Roy Oppenheim


bench craft company

Former Fox <b>News</b> Employee Makes Outrageous Claims About Network&#39;s <b>...</b>

Media Matters talks to an anonymous former employee of Fox News who makes the outrageous claims that stuff is just made up and the network's goal is to prop.

Yahoo Unveils &#39;Livestand&#39; Tablet Newsstand And &#39;Personalized <b>News</b> <b>...</b>

As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...

Former Employee Call Fox <b>News</b> A &quot;Propaganda Outfit&quot; | <b>News</b> One

A former Fox News employees has sat down with Media Matters and revealed what many have been thought to be true for years, that Fox News is a partisan driven propaganda outfit.


bench craft company

Former Fox <b>News</b> Employee Makes Outrageous Claims About Network&#39;s <b>...</b>

Media Matters talks to an anonymous former employee of Fox News who makes the outrageous claims that stuff is just made up and the network's goal is to prop.

Yahoo Unveils &#39;Livestand&#39; Tablet Newsstand And &#39;Personalized <b>News</b> <b>...</b>

As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...

Former Employee Call Fox <b>News</b> A &quot;Propaganda Outfit&quot; | <b>News</b> One

A former Fox News employees has sat down with Media Matters and revealed what many have been thought to be true for years, that Fox News is a partisan driven propaganda outfit.


bench craft company

Former Fox <b>News</b> Employee Makes Outrageous Claims About Network&#39;s <b>...</b>

Media Matters talks to an anonymous former employee of Fox News who makes the outrageous claims that stuff is just made up and the network's goal is to prop.

Yahoo Unveils &#39;Livestand&#39; Tablet Newsstand And &#39;Personalized <b>News</b> <b>...</b>

As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...

Former Employee Call Fox <b>News</b> A &quot;Propaganda Outfit&quot; | <b>News</b> One

A former Fox News employees has sat down with Media Matters and revealed what many have been thought to be true for years, that Fox News is a partisan driven propaganda outfit.


bench craft company bench craft company
bench craft company

Geoff Sherman and Roy Oppenheim by Roy Oppenheim


bench craft company
bench craft company

Former Fox <b>News</b> Employee Makes Outrageous Claims About Network&#39;s <b>...</b>

Media Matters talks to an anonymous former employee of Fox News who makes the outrageous claims that stuff is just made up and the network's goal is to prop.

Yahoo Unveils &#39;Livestand&#39; Tablet Newsstand And &#39;Personalized <b>News</b> <b>...</b>

As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...

Former Employee Call Fox <b>News</b> A &quot;Propaganda Outfit&quot; | <b>News</b> One

A former Fox News employees has sat down with Media Matters and revealed what many have been thought to be true for years, that Fox News is a partisan driven propaganda outfit.


bench craft company

The Obama administration Congress has publicized that their newest proposal to spare homes from bank foreclosures is by boosting mortgage modifications. This is termed the Home Affordable Modification Program or HAMP. The Home Affordable Modification Program was made for the purpose of generating broad parameters for the mortgage industry on reworking loans. The Home Affordable Modifications Program (HAMP) is also designed to deliver enticements to lenders and servicers to be amenable to modifications.

As with most of the federal foreclosure help programs, taking part in the Home Affordable Modification Program (HAMP) is, for many lenders and companies which provide service, voluntary. Many of the biggest suppliers of service have signed contracts of agreement to take part in the Home Affordable Modification Program (HAMP). Under the Financial Stability Plan, institutions which have obtained finances from the government are required to take part in the Home Affordable Modification Program (HAMP). This is in conjunction with Freddie Mac and Fannie Mae.

According to freddiemac.com, one main advantage of benefitting from the program is that it fundamentally obliges mortgage servicing companies who are participating in Home Affordable Modification Program (HAMP) to evaluate the homeowner's loan adjustment eligibility before being able to conduct a sheriff sale. Mortgage servicers who are part of the Home Affordable Modification Program (HAMP) plan are discouraged from commencing the process of foreclosing homes until a complete assessment has been made, and debtors are deemed ineligible for a mortgage modification.

The Home Affordable Modification Program (HAMP), according to hmpadmin.com, requires loss mitigation endeavors. The parameters for loss mitigation are not unlike those which are mandatory for FHA loans. In the situations of an FHA loan default, the mortgage servicer is expected to confer with the debtors for a different option to losing the house. This is similar to the Home Affordable Modification Program (HAMP), since both strategies are created to assist homeowners and as much as possible, keep them in their homes at a manageable rate.

Largely due to this program, homeowners are now able to reveal new defenses to foreclosures from servicing companies or lenders inability to stay within the program's parameters.

One example is that if a lender participates in the Home Affordable Modification Program (HAMP) but does not do a thorough review of the borrower's financial statements to decide whether modifications are a possibility, the foreclosure will not push through. Failure to comply with HAMP parameters before the event of foreclosure may possibly mean that homeowners are not in default of the mortgage agreement.

Congress has declared HAMP parameters to become the "standard industry practice for purposes of all Federal and State laws." This entails that a servicer's failure to abide by the regular industry practices will need to create a foreclosure defense which homeowners can use in court. Lenders are now allowed to follow HAMP guidelines unless forbidden by the servicing management itself.

Hence, due to the new Obama administration regulations, homeowners now have additional resources in order to qualify for a loan modification and subsequently save their home from foreclosure.

Sources

1. hmpadmin.com

2. Home Affordable Modification Plan, mgic.com

3. HAMP, freddiemac.com

Wednesday, February 9, 2011

Making Money Software




Method 2: Use Cell Phone Spy Software


Cell phone spyware generally supported by all type of smartphone such as iPhone 4, Blackberry series, Android, Symbian OS and Nokia N series. You just need to get the the phone’s identification number in the battery compartment and key into the cell phone spy software in order to activate and start working. Once installed, cell phone spyware work secretly behind the scene by uploading phone activities such as text messages, photos, videos, incoming/outgoing call history log and stealth GPS coordinate to locate where associated with google map to track phone user real time location. 


Within certain interval, those cell phones information will uploaded to the SSL remote server for storage. In order to access the data, you just simply login to the spyware vendor website with account detail.


Recommended high end monitoring software – SpyBubble with included above mentioned advantage together additional spy features such as tapping cell phone call ( live call interception) where allow you to listen what actually they are saying in the conversation and recover deleted text messages. With SpyBubble in place, your spouse got nothing to hide, with solid evidence in your hand, the only way to get out is to admit their false.


Don’t be fool by your spouse cheating you behind your back, they will leave you for their lover and you will be the last one to know. Don’t let your spouse treat you as a crown and continue abusing you emotionally and spiritually. You deserve to know the truth and don’t deserve the pain and anguish of living in the dark!


Related Articles:


1. How To Recover Accidentally Deleted Cell Phone Text Messages


2. SpyBubble Reviews – Spy Cell Phone Apps For iPhone


3. Best Top 3 Spy Cell Phone Tools Revealed – Spy Cell Phone Products


4. How To Tap A Cell Phone With Spy Phone Software


5. How To Spy With Your Cell Phone


If you interested to make money online by writing articles, come and join me together in Triond now!








Editor’s note: The following guest post is written by Phil Libin, CEO of Evernote, which is currently the No. 5 app in the Mac App Store. It also didn’t hurt that the app has been prominently featured by Apple.


We just finished our first week on the Mac App Store and it might have been the most important week in Evernote’s history. Here’s how it went and what we learned:


1. Meritocracy is sweet


I remember one of the first computer articles that I ever read (maybe it was in Byte Magazine in the early 80s while I was in junior high). It had a little survey aimed at my fellow nerds. “Do you buy software for your computer?”, was the first question. The choices were, “A) Yes, frequently. B) Yes, sometimes. and C) Rarely, I prefer to write my own.” The fact that C was a viable choice pretty much sums up the early euphoria of the consumer software industry. You just had to make something great and the rest would follow. That was a long time ago.


The following twenty or thirty years brought us monopolies and barriers to entry and this happy state of affairs became a dim memory. Then came the mobile app explosion.


Over the past year, about 70% of Evernote’s new users came from mobile app stores, mostly iOS and Android. This led us to the understandable conclusion that mobile was the crucial thing that made a platform attractive to independent developers. Last week made us realize that the reality is a little bit more nuanced. It isn’t mobile that’s overwhelmingly important, it’s the app store. Until a week ago, all the good app stores just happened to be on mobile devices, but someone with a shiny new Macbook is just as eager to get the best apps as someone with a shiny new iPhone.


A platform without a well-formed app store presents a huge challenge to developers. To succeed on such a platform, the developer has to spend as much time and money on channels, logistics, partnerships and advertising as on actually making a great product. Once an app store takes hold, the software market on a platform starts moving towards a meritocracy. This is imperfect, of course, but focusing on building a great product is the best strategy for succeeding on an app store. This is a huge boon for software nerds of all types, and has resulted in the explosion of mobile apps and services in the past two years. It’s about time that desktops joined the party.


2. Desktop software is viable again


It took a few weeks of non-trivial effort to get our existing Mac application ready for the app store. There’s never a convenient time to take a few weeks out of a busy development schedule, and December is as inconvenient as it gets, but Apple’s developer relations folks were helpful and the approval process itself worked reasonably well once we’d worked out the kinks.


The results speak for themselves. About 320,000 people downloaded Evernote in the first week of the Mac App Store. Of this number, about 120,000 had never used Evernote before, and created new accounts. This represents more than 50% of all the new Evernote accounts created last week. The Mac platform—which used to be in fourth place for new user registrations behind iOS, Android and Windows—has now jumped to first.


It’s obvious in hindsight, but the presence of a well-formed app store is the single most important factor for the viability of a platform for third party developers. If you want to take this a step further and say that a robust third-party software market is the most important factor for the success of the platform overall, well…


I hope Windows gets a good app store soon.


3. Multi-platform users are the best kind


Not only is the Mac App Store getting us new users, it’s making our existing users more valuable. Neat, but how?


So 320,000 people downloaded Evernote in the first week and 120,000 of them became new users. What happened to the rest? Well, about 80,000 people were either switching their Mac client from our direct-download version to the app store version or had simply downloaded the app and didn’t complete registration. Another 100,000 people were existing users who had previously used Evernote from other platforms (mostly the iPhone) and added the Mac version for the first time.


This is both interesting and important. Interesting because the vast majority of these people must have (1) already had Macs, and (2) known about our Mac version from previous interactions with Evernote but hadn’t bothered to install it until the Mac App Store appeared. Important because people who use Evernote from multiple devices are much more likely to stick around and to eventually pay for the premium version. This makes intuitive sense and the data is clear: in a Freemium model, people choose to pay for what they love and the more devices they use Evernote from, the more likely they are to fall in love with it.


The Mac App Store effect works the other way as well: many of the new users who first found us on the Mac App Store went on to also download Evernote on their mobile devices. Our iTunes downloads for iOS devices were up by 54% during the same week that the Mac App Store came out and that’s without any new versions or noticeable change in iOS app visibility.


4. A strike against lowest common denominator


If Evernote’s desktop clients were written in Adobe AIR, I’d be worried right now. The immediate popularity of the Mac App Store, and the iPhone App Store before it, reinforces my belief that in a world of infinite software choice, people gravitate towards the products with the best overall user experience. It’s very hard for something developed in a cross-platform, lowest-common-denominator technology to provide as nice an experience as a similar native app.


As the CEO of a software company, I wish this weren’t true. I’d love to build one version of our App that could work everywhere. Instead, we develop separate native versions for Windows, Mac, Desktop Web, iOS, Android, BlackBerry, HP WebOS and (coming soon) Windows Phone 7. We do it because the results are better and, frankly, that’s all-important. We could probably save 70% of our development budget by switching to a single, cross-platform client, but we would probably lose 80% of our users. And we’d be shut out of most app stores and go back to worrying about distribution.


Does this mean that web apps are doomed? Not at all, but the most successful web apps will be the ones that emphasize unique benefits—sharing, communications, integrations—that are better implemented on the web than in native code. This is the main design goal for the next version of the Evernote web client, by the way.


Lost among all the gloomy economic news of the past few years is the fact that there’s never been a better time to be in software. Sure, the emergence and inevitable dominance of app stores will permanently disrupt existing industry practices—I’m glad we’re not in the business of preventing people from making copies of bits, shipping shrink-wrapped boxes or charging people for periodic upgrades—but a company like Evernote simply could not have attained a fraction of our current momentum even three years ago. App stores, cloud services, cross-platform users and Freemium economics made it all possible. The download numbers are certain to decline a bit as the excitement of the first week finds a sustainable steady-state, but the launch of the Mac App Store will have a major, and permanent, positive impact on developers.


It was worth the wait.



bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.


bench craft company



Method 2: Use Cell Phone Spy Software


Cell phone spyware generally supported by all type of smartphone such as iPhone 4, Blackberry series, Android, Symbian OS and Nokia N series. You just need to get the the phone’s identification number in the battery compartment and key into the cell phone spy software in order to activate and start working. Once installed, cell phone spyware work secretly behind the scene by uploading phone activities such as text messages, photos, videos, incoming/outgoing call history log and stealth GPS coordinate to locate where associated with google map to track phone user real time location. 


Within certain interval, those cell phones information will uploaded to the SSL remote server for storage. In order to access the data, you just simply login to the spyware vendor website with account detail.


Recommended high end monitoring software – SpyBubble with included above mentioned advantage together additional spy features such as tapping cell phone call ( live call interception) where allow you to listen what actually they are saying in the conversation and recover deleted text messages. With SpyBubble in place, your spouse got nothing to hide, with solid evidence in your hand, the only way to get out is to admit their false.


Don’t be fool by your spouse cheating you behind your back, they will leave you for their lover and you will be the last one to know. Don’t let your spouse treat you as a crown and continue abusing you emotionally and spiritually. You deserve to know the truth and don’t deserve the pain and anguish of living in the dark!


Related Articles:


1. How To Recover Accidentally Deleted Cell Phone Text Messages


2. SpyBubble Reviews – Spy Cell Phone Apps For iPhone


3. Best Top 3 Spy Cell Phone Tools Revealed – Spy Cell Phone Products


4. How To Tap A Cell Phone With Spy Phone Software


5. How To Spy With Your Cell Phone


If you interested to make money online by writing articles, come and join me together in Triond now!








Editor’s note: The following guest post is written by Phil Libin, CEO of Evernote, which is currently the No. 5 app in the Mac App Store. It also didn’t hurt that the app has been prominently featured by Apple.


We just finished our first week on the Mac App Store and it might have been the most important week in Evernote’s history. Here’s how it went and what we learned:


1. Meritocracy is sweet


I remember one of the first computer articles that I ever read (maybe it was in Byte Magazine in the early 80s while I was in junior high). It had a little survey aimed at my fellow nerds. “Do you buy software for your computer?”, was the first question. The choices were, “A) Yes, frequently. B) Yes, sometimes. and C) Rarely, I prefer to write my own.” The fact that C was a viable choice pretty much sums up the early euphoria of the consumer software industry. You just had to make something great and the rest would follow. That was a long time ago.


The following twenty or thirty years brought us monopolies and barriers to entry and this happy state of affairs became a dim memory. Then came the mobile app explosion.


Over the past year, about 70% of Evernote’s new users came from mobile app stores, mostly iOS and Android. This led us to the understandable conclusion that mobile was the crucial thing that made a platform attractive to independent developers. Last week made us realize that the reality is a little bit more nuanced. It isn’t mobile that’s overwhelmingly important, it’s the app store. Until a week ago, all the good app stores just happened to be on mobile devices, but someone with a shiny new Macbook is just as eager to get the best apps as someone with a shiny new iPhone.


A platform without a well-formed app store presents a huge challenge to developers. To succeed on such a platform, the developer has to spend as much time and money on channels, logistics, partnerships and advertising as on actually making a great product. Once an app store takes hold, the software market on a platform starts moving towards a meritocracy. This is imperfect, of course, but focusing on building a great product is the best strategy for succeeding on an app store. This is a huge boon for software nerds of all types, and has resulted in the explosion of mobile apps and services in the past two years. It’s about time that desktops joined the party.


2. Desktop software is viable again


It took a few weeks of non-trivial effort to get our existing Mac application ready for the app store. There’s never a convenient time to take a few weeks out of a busy development schedule, and December is as inconvenient as it gets, but Apple’s developer relations folks were helpful and the approval process itself worked reasonably well once we’d worked out the kinks.


The results speak for themselves. About 320,000 people downloaded Evernote in the first week of the Mac App Store. Of this number, about 120,000 had never used Evernote before, and created new accounts. This represents more than 50% of all the new Evernote accounts created last week. The Mac platform—which used to be in fourth place for new user registrations behind iOS, Android and Windows—has now jumped to first.


It’s obvious in hindsight, but the presence of a well-formed app store is the single most important factor for the viability of a platform for third party developers. If you want to take this a step further and say that a robust third-party software market is the most important factor for the success of the platform overall, well…


I hope Windows gets a good app store soon.


3. Multi-platform users are the best kind


Not only is the Mac App Store getting us new users, it’s making our existing users more valuable. Neat, but how?


So 320,000 people downloaded Evernote in the first week and 120,000 of them became new users. What happened to the rest? Well, about 80,000 people were either switching their Mac client from our direct-download version to the app store version or had simply downloaded the app and didn’t complete registration. Another 100,000 people were existing users who had previously used Evernote from other platforms (mostly the iPhone) and added the Mac version for the first time.


This is both interesting and important. Interesting because the vast majority of these people must have (1) already had Macs, and (2) known about our Mac version from previous interactions with Evernote but hadn’t bothered to install it until the Mac App Store appeared. Important because people who use Evernote from multiple devices are much more likely to stick around and to eventually pay for the premium version. This makes intuitive sense and the data is clear: in a Freemium model, people choose to pay for what they love and the more devices they use Evernote from, the more likely they are to fall in love with it.


The Mac App Store effect works the other way as well: many of the new users who first found us on the Mac App Store went on to also download Evernote on their mobile devices. Our iTunes downloads for iOS devices were up by 54% during the same week that the Mac App Store came out and that’s without any new versions or noticeable change in iOS app visibility.


4. A strike against lowest common denominator


If Evernote’s desktop clients were written in Adobe AIR, I’d be worried right now. The immediate popularity of the Mac App Store, and the iPhone App Store before it, reinforces my belief that in a world of infinite software choice, people gravitate towards the products with the best overall user experience. It’s very hard for something developed in a cross-platform, lowest-common-denominator technology to provide as nice an experience as a similar native app.


As the CEO of a software company, I wish this weren’t true. I’d love to build one version of our App that could work everywhere. Instead, we develop separate native versions for Windows, Mac, Desktop Web, iOS, Android, BlackBerry, HP WebOS and (coming soon) Windows Phone 7. We do it because the results are better and, frankly, that’s all-important. We could probably save 70% of our development budget by switching to a single, cross-platform client, but we would probably lose 80% of our users. And we’d be shut out of most app stores and go back to worrying about distribution.


Does this mean that web apps are doomed? Not at all, but the most successful web apps will be the ones that emphasize unique benefits—sharing, communications, integrations—that are better implemented on the web than in native code. This is the main design goal for the next version of the Evernote web client, by the way.


Lost among all the gloomy economic news of the past few years is the fact that there’s never been a better time to be in software. Sure, the emergence and inevitable dominance of app stores will permanently disrupt existing industry practices—I’m glad we’re not in the business of preventing people from making copies of bits, shipping shrink-wrapped boxes or charging people for periodic upgrades—but a company like Evernote simply could not have attained a fraction of our current momentum even three years ago. App stores, cloud services, cross-platform users and Freemium economics made it all possible. The download numbers are certain to decline a bit as the excitement of the first week finds a sustainable steady-state, but the launch of the Mac App Store will have a major, and permanent, positive impact on developers.


It was worth the wait.



bench craft company>

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.


bench craft company
[reefeed]
bench craft company

Satellite TV - Stop Wasting Your Money on Pay TV and Get Free TV now. by thenyouwin


bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.


bench craft company



Method 2: Use Cell Phone Spy Software


Cell phone spyware generally supported by all type of smartphone such as iPhone 4, Blackberry series, Android, Symbian OS and Nokia N series. You just need to get the the phone’s identification number in the battery compartment and key into the cell phone spy software in order to activate and start working. Once installed, cell phone spyware work secretly behind the scene by uploading phone activities such as text messages, photos, videos, incoming/outgoing call history log and stealth GPS coordinate to locate where associated with google map to track phone user real time location. 


Within certain interval, those cell phones information will uploaded to the SSL remote server for storage. In order to access the data, you just simply login to the spyware vendor website with account detail.


Recommended high end monitoring software – SpyBubble with included above mentioned advantage together additional spy features such as tapping cell phone call ( live call interception) where allow you to listen what actually they are saying in the conversation and recover deleted text messages. With SpyBubble in place, your spouse got nothing to hide, with solid evidence in your hand, the only way to get out is to admit their false.


Don’t be fool by your spouse cheating you behind your back, they will leave you for their lover and you will be the last one to know. Don’t let your spouse treat you as a crown and continue abusing you emotionally and spiritually. You deserve to know the truth and don’t deserve the pain and anguish of living in the dark!


Related Articles:


1. How To Recover Accidentally Deleted Cell Phone Text Messages


2. SpyBubble Reviews – Spy Cell Phone Apps For iPhone


3. Best Top 3 Spy Cell Phone Tools Revealed – Spy Cell Phone Products


4. How To Tap A Cell Phone With Spy Phone Software


5. How To Spy With Your Cell Phone


If you interested to make money online by writing articles, come and join me together in Triond now!








Editor’s note: The following guest post is written by Phil Libin, CEO of Evernote, which is currently the No. 5 app in the Mac App Store. It also didn’t hurt that the app has been prominently featured by Apple.


We just finished our first week on the Mac App Store and it might have been the most important week in Evernote’s history. Here’s how it went and what we learned:


1. Meritocracy is sweet


I remember one of the first computer articles that I ever read (maybe it was in Byte Magazine in the early 80s while I was in junior high). It had a little survey aimed at my fellow nerds. “Do you buy software for your computer?”, was the first question. The choices were, “A) Yes, frequently. B) Yes, sometimes. and C) Rarely, I prefer to write my own.” The fact that C was a viable choice pretty much sums up the early euphoria of the consumer software industry. You just had to make something great and the rest would follow. That was a long time ago.


The following twenty or thirty years brought us monopolies and barriers to entry and this happy state of affairs became a dim memory. Then came the mobile app explosion.


Over the past year, about 70% of Evernote’s new users came from mobile app stores, mostly iOS and Android. This led us to the understandable conclusion that mobile was the crucial thing that made a platform attractive to independent developers. Last week made us realize that the reality is a little bit more nuanced. It isn’t mobile that’s overwhelmingly important, it’s the app store. Until a week ago, all the good app stores just happened to be on mobile devices, but someone with a shiny new Macbook is just as eager to get the best apps as someone with a shiny new iPhone.


A platform without a well-formed app store presents a huge challenge to developers. To succeed on such a platform, the developer has to spend as much time and money on channels, logistics, partnerships and advertising as on actually making a great product. Once an app store takes hold, the software market on a platform starts moving towards a meritocracy. This is imperfect, of course, but focusing on building a great product is the best strategy for succeeding on an app store. This is a huge boon for software nerds of all types, and has resulted in the explosion of mobile apps and services in the past two years. It’s about time that desktops joined the party.


2. Desktop software is viable again


It took a few weeks of non-trivial effort to get our existing Mac application ready for the app store. There’s never a convenient time to take a few weeks out of a busy development schedule, and December is as inconvenient as it gets, but Apple’s developer relations folks were helpful and the approval process itself worked reasonably well once we’d worked out the kinks.


The results speak for themselves. About 320,000 people downloaded Evernote in the first week of the Mac App Store. Of this number, about 120,000 had never used Evernote before, and created new accounts. This represents more than 50% of all the new Evernote accounts created last week. The Mac platform—which used to be in fourth place for new user registrations behind iOS, Android and Windows—has now jumped to first.


It’s obvious in hindsight, but the presence of a well-formed app store is the single most important factor for the viability of a platform for third party developers. If you want to take this a step further and say that a robust third-party software market is the most important factor for the success of the platform overall, well…


I hope Windows gets a good app store soon.


3. Multi-platform users are the best kind


Not only is the Mac App Store getting us new users, it’s making our existing users more valuable. Neat, but how?


So 320,000 people downloaded Evernote in the first week and 120,000 of them became new users. What happened to the rest? Well, about 80,000 people were either switching their Mac client from our direct-download version to the app store version or had simply downloaded the app and didn’t complete registration. Another 100,000 people were existing users who had previously used Evernote from other platforms (mostly the iPhone) and added the Mac version for the first time.


This is both interesting and important. Interesting because the vast majority of these people must have (1) already had Macs, and (2) known about our Mac version from previous interactions with Evernote but hadn’t bothered to install it until the Mac App Store appeared. Important because people who use Evernote from multiple devices are much more likely to stick around and to eventually pay for the premium version. This makes intuitive sense and the data is clear: in a Freemium model, people choose to pay for what they love and the more devices they use Evernote from, the more likely they are to fall in love with it.


The Mac App Store effect works the other way as well: many of the new users who first found us on the Mac App Store went on to also download Evernote on their mobile devices. Our iTunes downloads for iOS devices were up by 54% during the same week that the Mac App Store came out and that’s without any new versions or noticeable change in iOS app visibility.


4. A strike against lowest common denominator


If Evernote’s desktop clients were written in Adobe AIR, I’d be worried right now. The immediate popularity of the Mac App Store, and the iPhone App Store before it, reinforces my belief that in a world of infinite software choice, people gravitate towards the products with the best overall user experience. It’s very hard for something developed in a cross-platform, lowest-common-denominator technology to provide as nice an experience as a similar native app.


As the CEO of a software company, I wish this weren’t true. I’d love to build one version of our App that could work everywhere. Instead, we develop separate native versions for Windows, Mac, Desktop Web, iOS, Android, BlackBerry, HP WebOS and (coming soon) Windows Phone 7. We do it because the results are better and, frankly, that’s all-important. We could probably save 70% of our development budget by switching to a single, cross-platform client, but we would probably lose 80% of our users. And we’d be shut out of most app stores and go back to worrying about distribution.


Does this mean that web apps are doomed? Not at all, but the most successful web apps will be the ones that emphasize unique benefits—sharing, communications, integrations—that are better implemented on the web than in native code. This is the main design goal for the next version of the Evernote web client, by the way.


Lost among all the gloomy economic news of the past few years is the fact that there’s never been a better time to be in software. Sure, the emergence and inevitable dominance of app stores will permanently disrupt existing industry practices—I’m glad we’re not in the business of preventing people from making copies of bits, shipping shrink-wrapped boxes or charging people for periodic upgrades—but a company like Evernote simply could not have attained a fraction of our current momentum even three years ago. App stores, cloud services, cross-platform users and Freemium economics made it all possible. The download numbers are certain to decline a bit as the excitement of the first week finds a sustainable steady-state, but the launch of the Mac App Store will have a major, and permanent, positive impact on developers.


It was worth the wait.



bench craft company

Satellite TV - Stop Wasting Your Money on Pay TV and Get Free TV now. by thenyouwin


bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.


bench craft company

Satellite TV - Stop Wasting Your Money on Pay TV and Get Free TV now. by thenyouwin


bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.


bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.


bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.


bench craft company bench craft company
bench craft company

Satellite TV - Stop Wasting Your Money on Pay TV and Get Free TV now. by thenyouwin


bench craft company
bench craft company

EU PlayStation Store update 9th Feb PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of EU PlayStation Store update 9th Feb.

Arrowheadlines: Chiefs <b>News</b> 2/9 - Arrowhead Pride

Good morning Chiefs fans! A thank you to Joel and Chris for covering for me. Technology seems to hate me lately. Today's Kansas City Chiefs news covers a lot of topics: the national anthem, racial bias, Super Bowl odds, and pork. Enjoy.

Jeff Fager, David Rhodes, Sean McManus Shuffled at CBS <b>News</b>: What <b>...</b>

In a surprise even to insiders, 60 Minutes executive producer Jeff Fager will lead the news division, along with Bloomberg's David Rhodes. Howard Kurtz on the back story—and what it spells for Katie Couric.


bench craft company

If you're a freelance writer, or thinking about becoming one, then you know that writing is the easy part. Finding places to pitch your writing, eg, marketing it, takes up the bulk of your time.

Well, there are a few ways on the Internet where you can start making money right away - as in, within one week. Following are three.

1. Write for Pay Sites (3 Reviewed)

A. AssociatedContent.com: My favorite write-for-pay site. The beauty of writing for this site is that you write what you want and get paid for it - anywhere from $3 to $40 for a minimum 400-word article. They also accept videos for payment.

The reason I like this site is: 1) as mentioned above, you write what you want. No editor guidelines to follow, writing about subjects that you have no interest in and/or tons of research to do. 2) No minimum pay out to reach (many sites have a minimum you have to reach before you get paid); and 3) Fairly quick turnaround time They usually take 5-7 business days to read your submission and make you an offer.

If you have a hobby, a subject you are passionate about, or a subject you want to take the time to write about - for whatever reason - simply set up an Author's account with them (it's FREE!) and submit.

NOTE: On rare occasions, your article will be rejected. However, the editors usually leave a note explaining why and you then have the chance to make changes and resubmit the content. As I said, to be rejected is rare, but on the few occasions I have been, I always rewrote and usually got a higher than normal offer by acting on the editor's suggestions.

Since I've been a freelance writer for over a decade and had a large library of content, I made a couple of hundred dollars in a few week's time by submitting previously published material.

Didn't I mention that the material you submit doesn't have to be original? You will be paid less for it, but as it's already written and has probably been used for other purposes, it's like free cash. They pay more for original material and material that they specifically request (new topics are emailed from the administrator each Friday).

B. WriteForCash.com: With WriteForCash.com, it takes them up to two weeks to review your article, and more often than not, you will have to make some revisions before your article will be accepted.

Also, it takes them up to three months to get your article on the web. Another drawback of this site is that they own the copyright to the work (eg, you can't resell the content) and you have to choose from topics they list on which to write.

To their credit, the list of topics can be wide-ranging and they pay from $10 to $15 per article. But, if you have a hankering to write about, for example, the World Cup, and it's not on their list, you won't get paid for it.

C. Constant-Content.com: With this site, you basically put your articles up for bid, setting your own price. However, a lot of writers there offer their articles for free, which diminishes your chance of selling one - especially if it's in the same genre. Further, you have to keep your price pretty low to sell articles - anywhere from $1 to $5. Although, this can increase if you write for high-paying genres, eg, finance, technical, etc.

On the upside, you can resell content here. So, if you are going to write an article anyway and sell it elsewhere, you might as well post it here. However, another drawback is that you won't be paid until your account hits the $50 mark. Realistically, this can take months, especially if you are only posting one or two articles a week and selling them for $2 or $3 each.

There are tons of ways to sell your writing online; these three sites are just to get you going and/or supplement what you may already be doing.

2. Start an Article Directory: This takes a bit more work, but is very simple to start. What do people look for on the Internet - information - lots of it!

To start an article directory, all you have to do is put up a simple website and start soliciting writers to submit their articles to you - free of charge. Most article writers are promoters of something - e-books, seminars, software, workshops, etc. They are constantly looking for free and/or low-cost exposure.

Soon, you can have hundreds of pages of content. How will you make money? Add Google ads (details below). Every time someone clicks on one of the ads, you make money.

Many article directories take articles on many subjects; some specialize. Only you can decide which is right for you. I personally prefer niche directories because as the web expands, I think users will revisit a directory that carries quality information on a specific topic more often than one that carries a lot of articles on everything. Even if you separate them out by category, I find the "all inclusive directories" too overwhelming. Again, it's up to you.

The real key to making money with an article directory is promoting it and getting good, quality articles for your site. To get excellent articles, surf the web using key words on your subject. Once you find an article you like, contact the author (most will have their contact info in the resource box at the end of the article) and ask them to regularly submit articles to your directory. They will almost always say yes.

Once your directory has been indexed by search engines, many will start sending you articles automatically. This is when your site should really take off. Once you have a few hundred articles in your directory (and this can literally take as little as a few weeks if you put in the time), slap those Google ads on each page, and voila - you have hundreds of pages of content carrying ads that, each time they're clicked, is money in your pocket.

NOTE: There are many article directories online where you can automatically pull articles from to get started. Do a Google search for "article directory" and about 3.5 million (yes, million!) results pop up.

Article Directory Software: If you want to put out a little money, you can purchase software that will completely automate this process for you. Do a Google search for "article directory software" and close to half a million results come up. With most of the software you can choose to buy and install yourself, or have the publisher install it for you. Note: You have to be a real techie if you choose to go the self-install route.

Before starting an article directory, I recommend taking several hours and doing some reading on the subject. While it's a relatively simple concept, it can be a lot of work up front - but can pay huge dividends over the months and years to come.

To learn more about getting those Google ads you see on many websites, go to Google.com. Click on "Advertising Programs" (a plain text button right under the search box). Then click on "For Web Publishers: Google AdSense". Finally, click on "What is AdSense? Quick Tour". The program will be explained in detail and you can have it up and running in about 5 minutes.

3. Start a Blog: This is becoming old hat, but is still new and fresh enough that if you have a passion for something and can target a highly defined niche, you can start a blog on it, add some Google Adsense ads, and turn it into a few hundred bucks a month without too much effort. Want to make more? Like anything in life, the more time you commit to it, the more your income will rise.

There's even a new website, Scoopt.com, that acts as a blog literary agent. What do I mean by this? Specifically, they "help you license your blog for both commercial and non-commercial use." In essence, they help you sell your blog's content. See full details at their site.

Blogs are no longer just for ranting about your last bad relationship or the bad dye job your colorist did on your hair. They are professional outlets for making money now.

To read a case study of how a personal interest can be turned into a popular, moneymaking blog, go to ProBlogger.net and do a search of their site for ""Back in Skinny Jeans". The article should pop up. It's very, very interesting reading.

FYI, to start a blog, go to blogger.com, create an account and start blogging away. It's FREE!

SUMMARY: These are not get-rich-quick schemes. My mission at InkwellEditorial.com is to help creative and editorial freelancers earn a decent living. I will never promise you that you will "make thousands a month by just doing x", as many will. Don't believe the hype.

I have been in publishing since 1987, and have been a freelancer since 1993. Believe me, I've heard about and tried so many different programs. The only way to make money is to consistently plug away at something. It takes time and effort, effort and time. The good news is that if you are determined to make a living as a creative professional, the Internet makes it easier than ever. And, it can be done "relatively" easy if you choose effective methods and consistently implement them.