Friday, January 28, 2011

personal finance budgeting




Five Best Mobile Personal Finance Tools





It's easy to convince yourself to spend and save responsibly when the numbers are right in front of you, but it's a different story when you're on-the-go. These five great mobile personal finance tools keep your money goals nearby at all times.

Photo a composite of images by neernijus and mellowr.


Smartphones have brought nearly every aspect of desktop computers to your pocket; it only makes sense they'd bring money management, too. Earlier this week we asked you to share your favorite mobile personal finance tool. Now we're back to highlight the five most popular options.


Mint (Android/iOS, Free)




Popular web-based personal finance tool Mint has an equally as popular mobile application for Android and iOS devices. It sports the same simple design as Mint's main site and makes it easy to track your spending, receive alerts about bills and budget issues, and monitor your savings goals. It's polished, the graphs are easy to read, and the total-overview that Mint provides helps keep you on top of your personal finances in ways other tools don't.



Pageonce (Cross-Platform, Free)




Pageonce isn't only about personal finance, but it does personal finance well, and it's available for nearly every mobile platform around. On top of a web-based interface, they have highly polished apps for Android, iOS, BlackBerry, and Windows Mobile (including the newly released Windows Phone 7). It's easy to get real-time updates via email or push notifications on your phone, set alerts to warn you about impending bills or overspending, and view all of your financial stats in eye-catching charts and graphs.



EasyMoney (Android, $9.95)




EasyMoney is an Android-only personal finance manager that includes a home screen widget for speedy transaction inputs, bill notifications, graphs to help you analyze and chart your past and future spending, and a host of small but very useful features like the ability to split transactions between multiple categories. Easy Money also includes a tool for photographing receipts and importing data as well as a checkbook register and easy import/export to .CVS files. EasyMoney offers a 30 day-trial if you're on the fence about spending $10 on the app (consider also, many of the features in EasyMoney are paid upgrades on similar applications).



Pocket Money (iOS, $4.99)




Pocket Money puts a sweeping view of all your accounts and transactions right on your iPhone or iPad. You can manually enter transactions, create repeating transactions based on cycles or dates, create custom filters to view your money the way that is most useful to you, and more. On top of the plethora of features in the stock app you can expand the feature set with in-app purchases like the $0.99 Photo Receipts plugin that allows you to photograph your receipts and import the transaction data off them. Pocket Money has a companion desktop application available for Windows, Mac and Linux—a nice break from the common pattern of iOS apps having Mac-only desktop companions.



ProOnGo (Cross-Platform, Starting at $0.99/Month)




ProOnGo is the most distinctly business-oriented tool in this week's Hive Five. You could use it as a personal finance manager if you desired but the feature set is weighted heavily towards business users who need to track things like automotive mileage, business-related expenses, and generate reports for tax purposes and submission to their company. The basic package runs $0.99/month and is limited to manual entires and expense report generation, the premium package runs $4.99/month and includes web-based access, backups, custom spreadsheets, and synchronization to your American Express business card.



Now that you've had a chance to look over the five most popular mobile finance tools, it's time to vote for your favorite:





Have an idea for the next Hive Five? Shoot us an email at tips@lifehacker.com with "Hive Five" in the subject line and we'll do our best to give you idea the attention it deserves.





Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.






Best Mobile Personal Finance Tool?





Earlier this year we took a look at best money management web sites, but often, tracking money on-the-go is just as important. What's your favorite tool for managing your money on the go?

Photo by Erik Hersman.


Whether you're using a mobile-optimized web site or an application specific to the iOS, Android, BlackBerry, and so on, we want to hear from you. What mobile money management tool makes it easy to manage your money when you're away from your computer?


Hive Five nominations take place in the comments, where you post your favorite tool for the job. We get hundreds of comments, so to make your nomination clear, please include it at the top of your comment like so: VOTE: Mobile Personal Finance Tool. Please don't include your vote in a reply to another commenter. Instead, make your vote and reply separate comments. If you don't follow this format, we may not count your vote. To prevent tampering with the results, votes from first-time commenters may not be counted. After you've made your nomination, let us know what makes it stand out from the competition.


About the Hive Five: The Hive Five feature series asks readers to answer the most frequently asked question we get: "Which tool is the best?" Once a week we'll put out a call for contenders looking for the best solution to a certain problem, then YOU tell us your favorite tools to get the job done. Every weekend, we'll report back with the top five recommendations and give you a chance to vote on which is best. For an example, check out last week's Five Best Resources for Free Games.





Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.








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Wednesday, January 26, 2011

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Asian Cup: Bad <b>News</b> for Japan, and Dortmund - NYTimes.com

Japan's Shinji Kagawa will miss Saturday's Asian Cup final in Qatar, and could be lost to first-place Borussia Dortmund of the German Bundesliga for the rest of the season.

Chesapeake Bay, Marcellus Shale environmental issues could collide <b>...</b>

The details come just as Pennsylvania struggles to calculate its bill for cleaning up the Chesapeake Bay. In all the hand-wringing and cost-crunching that followed the Dec. 29 news that Pennsylvania must...

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...



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Asian Cup: Bad <b>News</b> for Japan, and Dortmund - NYTimes.com

Japan's Shinji Kagawa will miss Saturday's Asian Cup final in Qatar, and could be lost to first-place Borussia Dortmund of the German Bundesliga for the rest of the season.

Chesapeake Bay, Marcellus Shale environmental issues could collide <b>...</b>

The details come just as Pennsylvania struggles to calculate its bill for cleaning up the Chesapeake Bay. In all the hand-wringing and cost-crunching that followed the Dec. 29 news that Pennsylvania must...

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...



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Asian Cup: Bad <b>News</b> for Japan, and Dortmund - NYTimes.com

Japan's Shinji Kagawa will miss Saturday's Asian Cup final in Qatar, and could be lost to first-place Borussia Dortmund of the German Bundesliga for the rest of the season.

Chesapeake Bay, Marcellus Shale environmental issues could collide <b>...</b>

The details come just as Pennsylvania struggles to calculate its bill for cleaning up the Chesapeake Bay. In all the hand-wringing and cost-crunching that followed the Dec. 29 news that Pennsylvania must...

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...



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Asian Cup: Bad <b>News</b> for Japan, and Dortmund - NYTimes.com

Japan's Shinji Kagawa will miss Saturday's Asian Cup final in Qatar, and could be lost to first-place Borussia Dortmund of the German Bundesliga for the rest of the season.

Chesapeake Bay, Marcellus Shale environmental issues could collide <b>...</b>

The details come just as Pennsylvania struggles to calculate its bill for cleaning up the Chesapeake Bay. In all the hand-wringing and cost-crunching that followed the Dec. 29 news that Pennsylvania must...

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...



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Asian Cup: Bad <b>News</b> for Japan, and Dortmund - NYTimes.com

Japan's Shinji Kagawa will miss Saturday's Asian Cup final in Qatar, and could be lost to first-place Borussia Dortmund of the German Bundesliga for the rest of the season.

Chesapeake Bay, Marcellus Shale environmental issues could collide <b>...</b>

The details come just as Pennsylvania struggles to calculate its bill for cleaning up the Chesapeake Bay. In all the hand-wringing and cost-crunching that followed the Dec. 29 news that Pennsylvania must...

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...



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Asian Cup: Bad <b>News</b> for Japan, and Dortmund - NYTimes.com

Japan's Shinji Kagawa will miss Saturday's Asian Cup final in Qatar, and could be lost to first-place Borussia Dortmund of the German Bundesliga for the rest of the season.

Chesapeake Bay, Marcellus Shale environmental issues could collide <b>...</b>

The details come just as Pennsylvania struggles to calculate its bill for cleaning up the Chesapeake Bay. In all the hand-wringing and cost-crunching that followed the Dec. 29 news that Pennsylvania must...

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...



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Asian Cup: Bad <b>News</b> for Japan, and Dortmund - NYTimes.com

Japan's Shinji Kagawa will miss Saturday's Asian Cup final in Qatar, and could be lost to first-place Borussia Dortmund of the German Bundesliga for the rest of the season.

Chesapeake Bay, Marcellus Shale environmental issues could collide <b>...</b>

The details come just as Pennsylvania struggles to calculate its bill for cleaning up the Chesapeake Bay. In all the hand-wringing and cost-crunching that followed the Dec. 29 news that Pennsylvania must...

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...

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Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...

Fox <b>News</b>&#39; Bret Baier: A rapping delight? - The Week

The cable-news fixture revealed some fierce hip-hop talent at a golf tournament. Is he the Eminem of political reporters?


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Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...

Fox <b>News</b>&#39; Bret Baier: A rapping delight? - The Week

The cable-news fixture revealed some fierce hip-hop talent at a golf tournament. Is he the Eminem of political reporters?


eric seiger

Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...

Fox <b>News</b>&#39; Bret Baier: A rapping delight? - The Week

The cable-news fixture revealed some fierce hip-hop talent at a golf tournament. Is he the Eminem of political reporters?


eric seiger

Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...

Fox <b>News</b>&#39; Bret Baier: A rapping delight? - The Week

The cable-news fixture revealed some fierce hip-hop talent at a golf tournament. Is he the Eminem of political reporters?


eric seiger

Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...

Fox <b>News</b>&#39; Bret Baier: A rapping delight? - The Week

The cable-news fixture revealed some fierce hip-hop talent at a golf tournament. Is he the Eminem of political reporters?


eric seiger

Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...

Fox <b>News</b>&#39; Bret Baier: A rapping delight? - The Week

The cable-news fixture revealed some fierce hip-hop talent at a golf tournament. Is he the Eminem of political reporters?


eric seiger
eric seiger

Sleep Makes The Memory - Science <b>News</b>

Napping while reliving memories stabilizes people's ability to recall them later.

Impact of Avatar Sequels on <b>News</b> Corp Stock « Note of the Day

News Corp (NASDAQ:NWS) is a media conglomerate that competes with New York Times (NYSE:NYT), Time Warner (NYSE:TWX), Disney (NYSE:DIS), Viacom (NYSE:VIA) and CBS (NYSE:CBS) in a variety of businesses ranging from broadcasting and cable ...

Fox <b>News</b>&#39; Bret Baier: A rapping delight? - The Week

The cable-news fixture revealed some fierce hip-hop talent at a golf tournament. Is he the Eminem of political reporters?

Monday, January 24, 2011

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Kids Making Money


**Written by Doug Powers


The Boone County, Missouri Democrats didn’t get the memo:



Under current “new tone” rules, this is not only encouraging violence against babies, but the consumption of them also.


Not only that, but it appears that the entire state of Missouri is in the crosshairs:



Stop the hate.


Update:


Email: A reader points out something I didn’t notice, but give it a close look and you’ll see it:


The words Bocomo DEMOCRATS Target 2012 that are superimposed on the target, make the shape of a pistol with a bullet coming out. And on the address side of the post card the words when coupled with Boone County Democrats 2011 chili supper make the shape of a magazine fed rifle. I’ve worked in graphic design long enough to know that when graphics are designed every aspect is made to work with the them, even down to which fonts are used and their placement.


Semi-related update: CNN host apologizes on air for a guest who used the term “crosshairs.” America continues to wait for an apology for Parker/Spitzer.


(h/t Moonbattery)


**Written by Doug Powers


Twitter @ThePowersThatBe





‘Man with the Golden Voice’ Ted Williams


Ted Williams, the homeless man with a “Golden Voice” is quickly learning that his new found fame is going to bring a plethora of problems along with it.


Police were called to the Renaissance Hotel in Hollywood Monday night where Ted Williams is staying. It seems he and his daughter became involved in a heated argument over money.


Of course.


Staff members at the Renaissance Hotel called police on Ted Williams and his daughter after their argument became extremely loud and disruptive. The two were taken to the local police station and released soon after. No laws had been broken and neither wanted to press charges.


Now that Ted Williams and his “golden voice” have been discovered, rescuing him from the streets where he had been living for years, Ted probably has a pocket full of money and opportunity. But for his daughter to be concerned with money so soon seems a bit selfish to me. Shouldn’t she be more concerned with the fact that her father is well, off the streets and back in her life rather than money?


Despite Ted Williams not being there for his children (and he had a lot of kids, nine to be exact) and getting caught up in a world of drugs, he seems genuinely remorseful that his addictions took over his life and caused him to miss out on his children’s upbringing. I’m sure he plans on making it up to them, but for cripe’s sakes, it’s only been a week. I just hope that his children give him a chance to be a father again and don’t make it all about money. If he owes anyone money it’s the mother of his children who raised the kids on her own.


Regardless, Mr. Ted Williams and his golden voice certainly have a rough road ahead. Let’s hope he and his family can come together instead of be pushed further apart during this crazy time in their lives. This story could have a happy ending – but will it?




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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Arcus - Esri - The GIS Software Leader | Mapping Software and Data


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Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

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Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Arcus - Esri - The GIS Software Leader | Mapping Software and Data


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Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Arcus - Esri - The GIS Software Leader | Mapping Software and Data


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Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Arcus - Esri - The GIS Software Leader | Mapping Software and Data


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Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Arcus - Esri - The GIS Software Leader | Mapping Software and Data


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Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Arcus - Esri - The GIS Software Leader | Mapping Software and Data


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Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

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Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Arcus - Esri - The GIS Software Leader | Mapping Software and Data


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Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Arcus - Esri - The GIS Software Leader | Mapping Software and Data


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Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Arcus - Esri - The GIS Software Leader | Mapping Software and Data


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Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

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Tuesday, January 18, 2011

Making Money Program




What was probably the worst year of Tiger Woods‘ life still ended with a silver lining: he made more paper than all the cheating and gay golfers who DIDN’T get caught creepin’ last year!


According to Golf Digest, the sport’s second ranked player topped the list with $74.2 million. Most of them coming from endorsements and appearances with only $2.29 million generated from tournament purses.


Phil Mickelson comes in at second with $40.18 million, Arnold Palmer and Greg Norman is third and fourth with $36 million and $30 million, respectively. Jack Nicklaus rounds out the top five with $25.17 million.


After his $10 million bonus for his victory at the PGA Tour’s season-long FedEx Cup last September, Jim Furyk is at number 6 with $23.58 million. Rounding out the top ten are Ernie Els, Gary Player, Lee Westwood, and Padraig Harrington.


The overall earnings compiled by Golf Digest was based through interviews with agents, players, company executives doing endorsements as well as industry analysts as well as the official money list of the leading professional tours.


Tiger Woods’ current earnings was a far cry from the $121.9 million he earned last year. However, his failed marriage and the sex scandal he was involved in resulted to the decrease in his earnings. Tiger spent most of the year trying to work on his marriage and replacing his swing for the fourth time in his career.


The recent scandals in his life caused him his sponsorship deals with AT & T and Accenture, amounting to $35 million worth of annual revenue. After becoming a professional in 1996, Woods ended his PGA Tour season without any title and lost his number one ranking to Britain’s Lee Westwood on November 1.


In August 2010, Tiger Woods hooked up with Canadian swing coach Sean Foley after competing in the PGA Championship. Since then, his swing steadily improved and is still the biggest crowd drawer in the sports.


Tiger Woods is still earning $72 million worth of sponsorship deals with Nike, Electronic Arts, Tag Heuer, Upper Deck, and TLC Vision Centers. However, razor company Gillette recently revealed that they would no longer renew their sponsorship deal with him.


That man lost almost $40 million and STILL made $30 million more than the second highest earner?


Somewhere an attention whore-of-a-hoodrat-mother is enrolling her son in a golf program.


Source



Products of the past…doomed…


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


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


Amen to that, brother…


But how can the US borrow less?


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


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


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


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


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


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


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


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


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


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


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


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


Bernanke:


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


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


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


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


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


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


Bill Bonner

for The Daily Reckoning


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





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Friday, January 14, 2011

Making Free Money Online



California’s SB 1411, which adds a layer of criminal and civil penalties for certain online impersonations, goes into effect starting today. The consequences include a fine of up to $1,000, and/ or up to a year in jail. So don’t go and do something crazy like impersonate Google CEO Eric Schmidt on Facebook. There may be consequences.


The full text and a summary of the bill are below. There’s a good overview and analysis of it as well, on ZDNet. The state has created a new crime, and a new section is being added to the penal code.


There has to be intent to harm, intimidate, threaten, or defraud another person – not necessarily the person you are impersonating. Free speech issues, including satire and parody, aren’t addressed in the text of the bill. The courts will likely sort it out. Hopefully without my direct participation.


SB 1411, Simitian. Impersonation: Internet.

Existing law makes it a crime to falsely impersonate another in

either his or her private or official capacity, as specified.

Existing law also makes it a crime to knowingly access and, without

permission, alter, damage, delete, destroy, or otherwise use any

data, computer, computer system, or computer network in order to

devise or execute any scheme or artifice to defraud, deceive, or

extort, or wrongfully control or obtain money, property, or data. For

a violation thereof, in addition to specified criminal penalties,

existing law authorizes an aggrieved party to bring a civil action

against the violator, as specified.

This bill would provide that any person who knowingly and without

consent credibly impersonates another actual person through or on an

Internet Web site or by other electronic means, as specified, for

purposes of harming, intimidating, threatening, or defrauding another

person is guilty of a misdemeanor. The bill would, in addition to

the specified criminal penalties, authorize a person who suffers

damage or loss to bring a civil action against any person who

violates that provision, as specified. Because the bill would create

a new crime, the bill would impose a state-mandated local program.

The California Constitution requires the state to reimburse local

agencies and school districts for certain costs mandated by the

state. Statutory provisions establish procedures for making that

reimbursement.

This bill would provide that no reimbursement is required by this

act for a specified reason.


THE PEOPLE OF THE STATE OF CALIFORNIA DO ENACT AS FOLLOWS:


SECTION 1. Section 528.5 is added to the Penal Code, to read:

528.5. (a) Notwithstanding any other provision of law, any person

who knowingly and without consent credibly impersonates another

actual person through or on an Internet Web site or by other

electronic means for purposes of harming, intimidating, threatening,

or defrauding another person is guilty of a public offense punishable

pursuant to subdivision (d).

(b) For purposes of this section, an impersonation is credible if

another person would reasonably believe, or did reasonably believe,

that the defendant was or is the person who was impersonated.

(c) For purposes of this section, “electronic means” shall include

opening an e-mail account or an account or profile on a social

networking Internet Web site in another person’s name.

(d) A violation of subdivision (a) is punishable by a fine not

exceeding one thousand dollars ($1,000), or by imprisonment in a

county jail not exceeding one year, or by both that fine and

imprisonment.

(e) In addition to any other civil remedy available, a person who

suffers damage or loss by reason of a violation of subdivision (a)

may bring a civil action against the violator for compensatory

damages and injunctive relief or other equitable relief pursuant to

paragraphs (1), (2), (4), and (5) of subdivision (e) and subdivision

(g) of Section 502.

(f) This section shall not preclude prosecution under any other

law.

SEC. 2. No reimbursement is required by this act pursuant to

Section 6 of Article XIII B of the California Constitution because

the only costs that may be incurred by a local agency or school

district will be incurred because this act creates a new crime or

infraction, eliminates a crime or infraction, or changes the penalty

for a crime or infraction, within the meaning of Section 17556 of the

Government Code, or changes the definition of a crime within the

meaning of Section 6 of Article XIII B of the California

Constitution.





or if you aim big you can even advertise with Google Adwords and pay only if someone clicks your add:http://google.com/adwords4. Consider me your real business friend and start your first link exchange with my blog: ad my link to your blog or website and I shell do the same adding your link over here on  http://realbucksonline.blogspot.com/ Also consider that I will post a new method of making real bucks online every week so stay connected here via bookmark or RSS feed. 
 Ok: I am just a average guy like you, who aims to make a real buck on the net.
Now let*s face it: it is hard enough to put cents on cents in a few ptc sites and expect to earn a decent living by that. Plus that all this so called business to be payed to click it*s like rolling the dice: you*re never sure finally you get the money. So what*s the catch with this game?
The most important thing in it is to get referrals : directly or rented ones. And the second important thing is to relay on the most trusted and stable sites. This is like betting on the most probable winner with a Team of Betters behind you.
Now,the first rule in business is to MEAN it. Not necessarily to be mean but to be serious about it. So if you think to make a living online you must be serious, hard working and learn it every step of the way. By all means you will get to SUCCEED IN TIME. With the second important thing, related to paying and stable sites you can get help from average experience or custom search on the net for top paying sites on Google. The really heavy duty thing is to build a Team of Referrals. According to this, the most affordable approach is to rent them with the amount of money you already earned on a site. The difficult part is to convince a direct referral to join in your   downline and be active on every day. This is like direct-sales in the real world: 50% chances (or less) to make them buy something which is more a game than a business. The rest of 50% is advertising or make believe (super-fantasizing) that something is useful and generates a sort of monthly real income. This fantasies go from promises of other great deals to even promises of 10(ten!) dollars per click:) And believe me, there are sites which ”offer” more than that, even the moon from the sky, just to get you join their scam. There are two kind of experiences related to this ”make believes”: one is to be a realistic guy by nature and the second is to try things until they prove lies. Everyone is preferring the first category except the advertisers, who are preferring the second one. Well, if you want to really be in the first category, and play this ptc game, you have to discern between a real buck and a promised one, in Neverland. You may say that each and every dime is just a promise in the ptc virtual world, until that dime profs it*s real in your pocket. It*s true but that does not mean you stop discerning reality from dreams. You must keep your goal to make real money online, gather experience and build a system that really works keeping you satisfied with your decent earnings and little, indecent losses.  
That is why I thought of a system for everyone to get referrals. Scroll down and find out how much you will pay for it!
(just kidding Stay tuned on this site and you will found it soon. Have a winning day everyone! 







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Thursday, January 13, 2011

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The 3.15 mega pixel camera from the Apple iPhone 3GS has been abandoned and instead a new and superior 5 mega pixel has been used, which features a high pixel resolution of 2592x1944 pixels. The new camera also boasts LED flash, touch focus, online reputation management in uk Autofocus and geo-tagging as part of the image enhancing options. It is also capable of shooting video in 720p high definition quality. Additionally, the second camera located on the front of the phone is to establish video calls through Wi-Fi networks online reputation management without prescription with other iPhone 4 users via the FaceTime app which is installed as standard.Retina display:
The quality of the iPhone 4 has been significantly improved by Apple, as the retina display features a 640x960 pixel resolution inside the TFT capacitive 3.5 inch online reputation management no prescription touch-screen. The "retina display" name comes from the fact that the pixel resolution of the screen is actually higher than the human eye can recognize. Consequently, the resulted image is incredible clear and crisp with up to 16 million colours. Thus, users can enjoy their photos and videos in stunning quality and its full splendour.
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We have listed just some of the amazing things and features the Apple iPhone 4 has to offer to its users. It is perhaps the most resourceful smartphone out there, while access to the AppStore offers unlimited possibilities for further expansion and personalization. online reputation management online cheap It is not only for entertainment purposes but for common daily functionality, as the iPhone 4 is a very efficient tool to achieve numerous daily tasks. As it is also available in a white version, it is most certainly a gadget that you can't afford to miss.

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Monday, January 10, 2011

manage personal finances

The theory is simple: "If you don't have the money, don't charge it. Try to leave your credit card at home and only use it to pay bills," advises April Lewis, director of education for Consolidated Credit Counseling Services. Then immediately pay off your credit-card balance. As for old credit-card debt, sit down and commit to paper a plan for paying them off. Go for a quick hit, like paying off the smallest balance first, or decide to take on the highest rate card first. Get the job done.

Here's a second tip: Be proactive about managing your credit. Call up your lender and ask it to lower your interest rate. Usually, lenders will lower callers' rates by 2% to 3%, says Scott Gamm, founder of HelpSaveMyDollars.com. Also check your credit report. You can check your credit for free at annualcreditreport.com, for example. If you see mistakes, contact the credit agencies and get those mistakes corrected. If errors are dragging down your score, eliminating them can boost it to where it belongs and make you eligible for better rates.

2. Think automation

Free online banking tools can make it easier to manage your finances with less work. To help grow your savings, for example, you can schedule regular transfers from your checking account. Manisha Thakor, author of Get Financially Naked: How to Talk Money With Your Honey, suggests setting up the transfer of a set amount of money into your savings account every pay day.

Also automate recurring bill payments so you never miss a due date or pay a late fee, which sends money down the drain. Even without late fees, timely payments are key: 35% of your credit score is based on your ability to make payments on time. If you sign up for automatic payments, however, make sure to check your monthly bills for errors. One other caveat: "Make sure you have enough cushion in your checking account to avoid any overdrafts" before setting up auto-payments, money coach Lora Sasiela says.

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

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

id="more-61297">

ElectroCity

style="text-align: center;">

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

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

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

IBM CityOne

style="text-align: center;">

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

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

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

City Creator

style="text-align: center;">

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

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

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

Zanpo Virtual Cities

style="text-align: center;">

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

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

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

CityVille

style="text-align: center;">

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

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

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

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

  • Social City
  • Millionaire City
  • Hollywood City

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

Image Credit : Shutterstock


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TaxProf Blog: 2011 Tax <b>News</b>

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Top <b>news</b> stories in China 2010

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Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

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Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


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Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


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TaxProf Blog: 2011 Tax <b>News</b>

TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


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TaxProf Blog: 2011 Tax <b>News</b>

TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


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TaxProf Blog: 2011 Tax <b>News</b>

TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.


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TaxProf Blog: 2011 Tax <b>News</b>

TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

Joseph and Vlad, the victims in the violent home invasion earlier this week, spoke to the Mercury News on Friday on the condition that their last names not be used. They told publicly for the first time their terrified, ...

Top <b>news</b> stories in China 2010

A Sinica podcast and lists from the Chinese media and Internet of the top news stories of 2010, year of the Tiger.

Friday, January 7, 2011

personal finance budgeting

A mobile expense tracker is a great tool to have and is probably the best way to track expenses because, whenever you spend anything, you could quickly enter it into your mobile phone. This way, there’s no chance of forgetting later. Toshl is a mobile expense tracking app that can help you track your spendings on iPhone, Android, Maemo and Symbian phones. The interface is good, you can instantly enter values, sync them to your Toshl.com account, and even sync multiple phones.

The data can be easily exported in various formats to your computer. The apps, and the online account is free, and you can grab extra features for an yearly pro membership.

Toshl uses SSL encryption so that the data is safe and secure. You can also tag your expenses, analyze the trends in your spendings and do much more with this app.

Demo video:

Features

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  • Free apps for iPhone, Android and Symbian phones.
  • Sync and backup data to the online account.
  • Similar tools: Xpenser.

Check out Toshl @ www.toshl.com (By Abhijeet from GT Resources)


So thinking about starting 2011 with a new and fresh finance app for your new and fresh WP7 device?


You have the chance now! moBudget has just been released for Windows Phone 7.


moBudget is a user friendly budgeting and expense tracking application. It will help you drive and organize both your personal income and outcome budgeting. By doing so, moBudget will also hint you about possible budgeting and money saving opportunities. Its main screen features a summarized dashboard with a set of intelligent indicators which will tell you how you are doing depending on your budgets and on the current date.


Forget about grabbing a calculator each time you need to get any numbers or if worried about making it to the end of the month or not; moBudget will tell you all: what you have, what you will have, what you owe and more. It will either inform, alert or advice you when needed so you don’t need to worry.


By allowing stepping through months, allows you to whether look back to see how you did on previous months or how you will be doing in the upcoming months, so you can fine tune your budgets to the optimal.


Take it with you, record your data and you will see how money won’t cause you a headache anymore!


More after the break.



Key features



  • Today Hub featuring a main dashboard with intelligent indicators

  • Upcoming and overdue payments, incomes, bills

  • Color-based and snapshot styled budget bar graphs for easy reading

  • Easy and fast input for tracking either expenses, incomes or transfer between accounts

  • Budget adjustment helper

  • Actual balance and budget balance adhoc *

  • Accounts and credit cards usage recording *

  • Cash flow bar graphs and out of funds predictions *

  • Credit card payment estimations and warnings

  • Can create future operations and recurrent operations

  • Multi currency support

  • Easy month back and forth navigation

  • Account balances reconcilation

  • Password protection in two ways (partial and complete)

  • Encrypted backups

  • More…!


* Estimated. Does not pull your bank information, however you can sync balances up to a specific date and moBudget will estimate the current and future balance and cash flow according to the data you register day to day.


Screenshots



So give it a try! App has a 15 day free trial period and currently is at 50% sale for Christmas.

– or- direct download link for Zune.



free rental agreement forms

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CBS News correspondent Susan Roberts named new Eyewitness News anchor,


Thursday, January 6, 2011

Making Money Marketing


No one at Trion Worlds has promised that the company’s first fantasy role-playing online game, Rift: Planes of Telara, will be a World of WarCraft killer. Indeed, many makers of massively multiplayer online games have tried to knock out Blizzard Entertainment’s online subscription game, but WoW has ruled for six years and it just got a major upgrade with World of WarCraft: Cataclysm, which sold 3.3 million units in a day. But that doesn’t intimidate the folks at Trion Worlds, which has raised more than $100 million and has more than 200 people working on a variety of MMOs. Of course, beating WoW is the ultimate prize, since WoW has more than 12 million paying subscribers and it generates more than $1 billion in revenue per year for Activision Blizzard.


Rift is in the midst of closed beta testing, and I’ve had a look at the beta version up close. The graphics are beautiful and the unscripted dynamic events, where the world can change in an instant, are working as advertised. We had a chance to catch up with David Reid, head of marketing at Trion Worlds in Redwood City, Calif. (and former marketing chief for Microsoft’s Xbox 360) about the upcoming game, and here’s what he had to say:


VB: You’ve been working for a long time on this game — more than five years. What are you doing with the beta testing now?


DR: The beta process is about testing scalability. How many players can we support? It’s about getting some feedback from a number of real users so that we can tune some of these last knobs. But in a lot of ways, beta will be almost like a launch for us. We know that a number of MMO companies have made the mistake of going out with the beta with a product that really should not have been characterized as a beta. They paid for it. We are not doing that kind of a beta. [Laughs]


VB: You’re getting close to release?


DR: We feel like we are very close to release-level quality. We are tuning. We are polishing. We are scaling.


VB: So after five years, you’re not making money on this game yet.


DR: Not yet, but really darn soon. What day of the month is it?


VB: How will the launch proceed?


DR: Here’s probably how it works. The best game companies launch their newest titles with a presale program. That is the point where the consumer can put money down for the game. Technically, when that happens, the game won’t be formally live. It will still be in testing. But we are going to treat it as if it were the real launch. We will have 24/7 support in all languages. We will treat these players as if they are paying customers. We’re very close to that right now. We’ll open it up to the public for a large beta test soon.


VB: At that point, you will have tens of thousands of people playing?


DR: Absolutely. I can’t disclose specific numbers of the beta, but we are in the midst of some very large beta test events now and we just keep scaling it up. The first beta event was just the data center in Dallas, and so Europeans were in the beta, but they were playing on Dallas servers. We are opening a data center in Amsterdam for the European users. Operationally, that’s very important for us. We’ll bring up the different languages over time.


VB: The whole idea of a “Rift” is that you can open up a portal into the world and flood it with monsters. Then the players all go to that area and fight off the invasion. How many people can you concentrate in one place in the world?


DR: That’s a question with many potential answers. Because there’s the geographic point of it and then there is the hardware server part of it. The servers have multiple sections, or shards. Right now, we are figuring out how many people on a shard is too many. But what is unique about our game is that you can have a very large number of players all in one place and you can interact with all of them. You don’t have to worry that you can’t find your friends because they are in a different region or a different server. When a Rift opens, it is a dynamic event. The Rifts can happen in any geographic location and you can have lots of them at once. We have shown in our beta testing that all of that is working properly. We will ramp this up to an industrial scale.


VB: Is the game designed to be split into shards at all?


DR: It is a game with shards. But we are being very careful about not locking people to particular servers and things like that. MMOs have always had that kind of problem. MMO’s, by their nature, are incredibly social experiments, right? And people in Europe want to play with people in North America, and people in North America want to play with people in Australia, and that’s just how these communities have been built online as opposed to a pick-up basketball game in your neighborhood.


So if you lock those servers and you’re not letting those people play with friends, then you are, by definition, fracturing those communities. We have to do this well because we are going into a territory where there are well-established brands that already have communities rallied around them. We want to win with the people who play these games regularly. If they have a guy in their group who is in New Zealand, you have to bring them all into the game together. This is something we’ve been really focused on.


VB: So you can manage this game by throwing in more servers when you have peak usage?


DR: In full transparency, I’m probably not the ideal guy to answer that level of question. But what I can tell you is that we do have with both the Dallas data center and the Amsterdam data center. We have servers operating in a beta process and we can fire more of them up as the population grows. We can add more firepower to the servers if there are more people or if we are going to amp up the events in the game, such as create sharper artificial intelligence, better physics, or more Rifts. One thing we are looking at is how many Rifts should be occurring in a given zone of the game so that a player can feel like they have a lot to choose from. What level of that is fun? One thing we want to communicate to the player is that they will start with all of the features that they expect to have in a AAA quality game. You have your zones, dungeons, quests, character classes, fashions, monsters — and on top of that is this dynamic layer where the Rifts open in the world and change the environment of the game dynamically. The dynamic layer is what causes the social play, because you have to rally with your friends to stop the Rifts. It impacts your decisions as a gamer and the decisions of the groups of gamers as well.


VB:  What is your marketing message these days about your game being the “WOW killer”?


DR: Well, to be clear, no one in Trion has ever said that, and I don’t think anybody in Trion ever will. If you look at the lineage of great MMOs, starting with Ultima Online, you see generational improvements. Ultima Online was the first commercial success in the MMO business, but it was two-dimensional and weighted toward players fighting other players. That wasn’t much fun for the new players. EverQuest came along with 3D animation and players fighting against the environment. It was a real commercial success and it was prettier. Still, it had its bugs. World of WarCraft came along in 2004. It was an improvement on what came before and it was very polished. Within that game, you could have some great solo experiences. Other games have tried to emulate it.


We think of Rift as the next step in that evolution of product. We’ve taken a look at what World of WarCraft and others in that generation of MMOs have done and done really well. There were really innovative things that happened in Warhammer Online and in the Age of Conan. But those two products, in particular, didn’t, of course, capture everything that a World of Warcraft player was looking for. The players didn’t migrate from WoW.


In part, Rift is our love letter to the players who played the games that came before us. We love those games and we think this is the next generation, much like players move on to a new console with every generation.


VB: So WoW just went through that big change with Cataclysm. I guess you can do the same kind of upgrade just about every day?


DR: Yes. And that is a bit of what the engine of the Rift game and our End of Nations game is about. For all of the interconnected play that you have in an MMO, those worlds are still remarkably static. There isn’t much to do until a patch or a giant expansion comes out. And what the portal mechanic in Rift does is add a level of real life variability. It’s the first time really that in an MMO, you have the beginnings of emergent game play of things that will happen in this game that the developers aren’t able to predict and that the players are going to have a real hand in deciding. If a Rift opens on a town, you can help save it or you can wait for it to do its work.


VB: Is the audience for these games as large as ever, or are the free games sucking out a lot of the paying players?


DR: It has been fun to watch the industry evolve. We sit right here next door to one of the world’s largest publishers (Electronic Arts). Those kinds of publishers are putting  a lot of focus on what I’ll call the shallow end of online gaming: the casual, the mobile, the social. Those are all really fine businesses, but at the end of the day, we still think that it is the gamer who spends the most money especially in tough economic times. These are people who will forego other things and will eat ramen noodles for weeks if that’s what it takes to pay for their Xbox Live subscription or their MMO subscription. That audience is very demanding. For them, you have to build a great, immersive product. In the past couple of years, the MMO businesses have not served this customer well. They have launched games that needed more time or innovation or just better quality.


We are capitalized well enough here that we’re not making that same mistake. As I said, for us, the beta test is really like a launch in a lot of ways. We’re not bringing a half-finished product to market.


VB: You made a reference to All Points Bulletin, which failed miserably after five years of development. You don’t interpret that failure as bad for the whole MMO market?


DR: No, we don’t. I think a lot of people could see those things coming and it wasn’t just APB. Final Fantasy XIV had a very rough start. There are other games over the past few years. It isn’t that the market isn’t there. It just comes down the fact that if you have quality product, gamers are willing to pay for it. But don’t try to convince them your product is high quality and charge them a high price if it’s not. That is the road to death.


VB: Are you tempted to play around with different business models because the industry has changed so much?


DR: Sure. There is a lot to think about there. It is, you know, from a business perspective, a very exciting time. Innovation is important, in both the game, the marketing and the business model. With Rift, we will use the standard approach. We will sell a premium product in digital form as a download or in a retail store. We will charge an appropriate price and have a monthly service fee that you pay after your first 30 days have passed.


VB: You have developed a flexible server infrastructure for your game. How will you make use of that?


DR: We can do updates. We will do some handcrafted design and launch it on a regular basis. But we can also change just a bit every single day, every couple of hours, whatever, as players react to and encounter dynamic content. Now, we have big plans on this front because this is part of what’s really new and special about what we’re doing. Those plans are nothing I can talk directly about yet, but I will tell you that it is something that makes you think hard about how the customer encounters your product and experiences it. There are critical moments in a consumer’s mindset of, ‘Am I having enough fun to continue paying for this game?’ and we think very hard about when to uncork more awesomeness in our dynamic layer of things to satisfy a very difficult customer who is used to some very high quality product.


VB: I saw a report that said someone had reached the highest level possibly in Cataclysm on the day it came out.


DR: That kind of gamer is going to be part of our audience. I am not surprised. Again, it only added five new levels. I’m impressed with that player, but I’m not shocked. People take a lot of pride in being the first to race through the content. As a publisher, that terrifies you. It means your work is never done. But it’s also something you admire in the audience.


VB: So, that’s the kind of thing you will be ready for?


DR: It is different for us. We have a very different kind of MMO with dynamic content. When you hit the highest level, you haven’t finished all the content. When you hit our level cap, you don’t have to leave the game. The challenge for the publisher is that once someone hits the highest level, they will still have awesome game play experiences.


VB: If you look back on the five-plus years, how would you say you made good use of that time? Sometimes when a game takes that long to finish, it’s a bad sign because of the cost overruns or because the design becomes outdated.


DR: That’s right. It’s a hard business, right? And you look back and there’s probably any number of small things you look at and say, “Yes, we could have squeezed that a little more efficiently. But a large amount of what you get with the time and the financing that the time gives you is the ability to bring in a great team of people. Then you give them the time to get the chemistry right and build what they want to build. The soul of this product is the ambition behind it and the polishing that has gone into making it right. You can’t do these games without huge investments, awesome talent, and a lot of time. For venture financing, $100 million sounds like a lot. But these are really ambitious projects, and you have to be in this league to be competitive. We have used that money to build not one game but to commission a number of games that are all very groundbreaking.


VB: Did you guys get some benefit from seeing Blizzard’s leaked release schedule?


DR: It got headlines everywhere and we looked at it like everyone else. But I don’t think we would change any of our plans based on internet rumor.


Check out a video recording of one of the unscripted Rift scenes in action below.



Next Story: Where will the location superstars check in this New Year’s? Previous Story: Founder Institute’s Adeo Ressi says you can’t teach entrepreneurship (video)



Every day, more and more people go online to find a way to make money. Here are some ways you can exploit the power of the Internet.


Sign in with eBay – Despite the downturn in the economy, people are always very nice to the U.S. dollar on eBay. All you need do is to set up an account with them and with PayPal and both are free. Once you have done this take some time to gather all the things you already have, and no longer want or need, and begin to list them on eBay. Be sure to take good pictures and descriptions of your articles are great. Thereby significantly increasing your sales.


Learn Affiliate Marketing – Affiliate marketing is big and growing fast now. If you do not know anything about this strange way to make money, takes time to learn all this. Affiliate marketing is basically when a person is committed to promoting company products and / or services. For each sale generated from that person to receive the commission. There are many people making full time income and just affiliate marketing. Sounds crazy right? Well, actually there are millions of people around the world who earn their living in earnest with the powerful method of affiliate marketing. Could be one of them?




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Scripting <b>News</b>: Everything is dead

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Scripting <b>News</b>: Everything is dead

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Scripting <b>News</b>: Everything is dead

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"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

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"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...


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"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...


surface encounters michigan
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<b>News</b> - Khloe Kardashian Becomes a Redhead! - Style &amp; Beauty <b>...</b>

"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...


surface encounters macomb
surface encounters michigan

<b>News</b> - Khloe Kardashian Becomes a Redhead! - Style &amp; Beauty <b>...</b>

"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...


surface encounters macomb
surface encounters macomb

<b>News</b> - Khloe Kardashian Becomes a Redhead! - Style &amp; Beauty <b>...</b>

"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...


surface encounters macomb mi

<b>News</b> - Khloe Kardashian Becomes a Redhead! - Style &amp; Beauty <b>...</b>

"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...


surface encounters rock tops
surface encounters macomb

<b>News</b> - Khloe Kardashian Becomes a Redhead! - Style &amp; Beauty <b>...</b>

"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...


surface encounters michigan
surface encounters michigan

<b>News</b> - Khloe Kardashian Becomes a Redhead! - Style &amp; Beauty <b>...</b>

"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...


surface encounters macomb mi
surface encounters macomb

<b>News</b> - Khloe Kardashian Becomes a Redhead! - Style &amp; Beauty <b>...</b>

"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...


surface encounters noblesville
surface encounters michigan

<b>News</b> - Khloe Kardashian Becomes a Redhead! - Style &amp; Beauty <b>...</b>

"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...


surface encounters michigan
surface encounters noblesville

<b>News</b> - Khloe Kardashian Becomes a Redhead! - Style &amp; Beauty <b>...</b>

"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...


surface encounters
surface encounters macomb mi

<b>News</b> - Khloe Kardashian Becomes a Redhead! - Style &amp; Beauty <b>...</b>

"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Scripting <b>News</b>: Everything is dead

But programmers don't think this way, and I guess most programmers aren't news junkies. Because it was impossible to get through to them. No matter, the market eventually decided. A lot of wasted time, which sucks, but hardly the end of ...

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...


surface encounters michigan