Megan Fox: February 2011

Monday 21 February 2011

Business Making Money

According to a BusinessInsider interview, Gogo in-flight wireless is doing well and just raised another $35 million in capital to keep the lights on and the in-flight Wi-Fi flowing. Aircell, Gogo’s parent company, says that the service served 3 million sessions between Thanksgiving and New Year’s. Google offered free Gogo on all flights during this period.

In-flight Internet is, in a word, great. However, I worry that it is severely hampering my movie watching time these days as I’m encouraged to write and work during flights as opposed to read magazines and watch movie’s I wouldn’t normally watch with the lady wife like The Box and Pootie Tang. Gogo is available on American, United, Delta, Virgin America, and Air Canada and airlines love it, as Dan Frommer points out, “because it’s a way to distract passengers and generate revenue at the same time — unlike installing TV sets and on-demand movies, which costs money.”

Regulators at the Environmental Protection Agency got the message early.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

This post originally appeared at The Fiscal Times.

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Thursday 17 February 2011

Making Money Online With

Bank of America is making an 11th-hour push for inclusion in the upcoming Worst Company In America tournament. Starting in February, folks with BofA mortgages who don't have BofA bank accounts will see their current 15-day grace period for making payments cut by 40%.

From MSNBC's Red Tape blog:

Consumers who use the bank's online payment tool, Mortgage Pay, will risk a $6 fee if they fund payments using another bank's checking account and the payment falls during the final six days of the traditional 15-day grace period. Consumers who make payments from Bank of America accounts are not subject to the fee.

So... it's not really a grace period anymore for those people, is it?

Gail Hillebrand from Consumers Union (the proud parent of Consumerist) had this to say:

Let me get this straight. They tell you that you have a grace period, (then) they say, 'Oops, you only have half of it if you don't bank with us,'... That doesn't seem fair. ... This looks like a new 'gotcha,' and we have enough of those already.

Many of the people with BofA mortgages don't have an existing checking account with the bank because they didn't get their mortgage from BofA to begin with.

"You don't want to have to go around changing your checking account every time someone buys your mortgage," said Hillebrand, who says the way to avoid this problem is to make your payment before the grace period even kicks in. "This is just one more way to extract money out of you that you don't expect to have to pay."

B of A redefines 'grace period' with new fee [MSNBC]

With 12 million paying subscribers, World of WarCraft is the juggernaut of the massively multiplayer online game business. But Star Wars: The Old Republic is waiting in the wings to challenge WoW’s dominance of online gaming. After many years of development and rumors of an absurdly high budget, Star Wars The Old Republic is expected to launch later this year.

If the Star Wars game succeeds, it could generate huge revenues for Electronic Arts and prove that the MMO market is a real, competitive market, not one dominated by a single company that can defeat all rivals. It also means there may be more opportunity in the MMO market for other companies, such as Trion Worlds, which is launching its Rift: Planes of Telara MMO in March.

We talked to the founders of BioWare, the Electronic Arts division that is making The Old Republic, about the pressure they’re under to make this game a success. WoW has dominated MMOs for more than seven years and it just saw a huge revival with the launch of World of WarCraft: Cataclysm in December. With each expansion pack, WoW offers new innovations to its users, and Cataclysm sold 4.7 million units in its first month. That will help WoW retain its subscriber numbers and possibly even grow them.

But Ray Muzyka and Greg Zeschuk, co-founders of BioWare, say they can offer something new. They’ve got the license for the Star Wars content that everyone loves — something that Muzyka calls a “force multiplier” for the game’s marketing efforts. They are also integrating a lot of quest-oriented missions and a deep storyline into the game, much like BioWare does with its other epic games.

As for that crazy budget rumored to be above $100 million, there has been no corroboration of that. On the company’s last earnings call, Electronic Arts CEO John Riccitiello said that the company is aware of rumors about the budget and they aren’t necessarily true. He said the company could make money on as little as 500,000 subscribers and that getting more than 1 million subscribers would be a highly profitable hit.

Even so, no one disputes that this is one of the most ambitious video games undertaken. BioWare is one of the few companies with the track record of success to pull it off.

Check out our interview with the BioWare founders below.

Next Story: Pandora looks beyond music to sports and talk shows Previous Story: Pandora expects to lose money until 2012

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How To Use Facebook's News Feed Filters

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Tuesday 15 February 2011

personal finance

I had the high honor to serve as the keynote speaker for the State of Iowa's celebration of Dr. Martin Luther King, Jr.'s birthday. The event afforded me a great opportunity to share with the audience some thoughts about the legacy of Dr. King and what it means today -- as we celebrate Black History Month -- in the context of personal wealth creation and financial literacy.

When I think about Dr. Martin Luther King, Jr.'s "I Have a Dream" speech, I am reminded of a personal finance metaphor he used. Dr. King stated, "In a sense, we're have come to our nation's capital to cash a check. When the architects of our republic wrote the magnificent words of the Constitution and the Declaration of Independence, they were signing a promissory note to which every American was to fall heir. This note was a promise that all men -- yes, black and white men -- would be guaranteed the unalienable rights of life, liberty and the pursuit of happiness. It is obvious today that America has defaulted on this promissory note, insofar as her citizens of color are concerned. Instead of honoring this sacred obligation, America has given the Negro people a bad check -- a check which has come back marked 'insufficient funds.'" Dr. King was talking about the moral obligation America had to its minority citizens and his idea of a promissory note applies to the state of financial literacy today.

Each of us has an outstanding promissory note, payable to Dr. King, that requires us to be committed to maximizing the benefits of his work, which gave Americans of color greater access to education, jobs, economic opportunities, public accommodations and more. There must be a commitment to gain the financial knowledge needed to utilize these opportunities and maximize the financial resources generated from his work. This is true of all Americans, especially those of color.

The recognition of Dr. Martin Luther King, Jr.'s work should not stop with his marches or speeches. Financial literacy gives individuals the ability to understand the functions of financial transactions and products and practical application of personal money management concepts. This is accomplished through the acquisition of information, instruction and/or objective advice that enables individuals to develop the skills and confidence to become more aware of financial opportunities and risks. In doing so, they are able to make choices and take other effective actions to improve their financial well-being and protect their financial resources.

When we look specifically at the status of African-Americans, the data indicates that the need for financial literacy is alarming. Many African-Americans generally lack a working knowledge of personal money management concepts. For example, many African-Americans experience the following:

Higher debt delinquencies than any other ethnic group

Comparatively lower savings

A lower homeownership rate (only 45 percent own homes)

A greater incidence of home foreclosure than other ethnic group

A greater incidence of predatory lending practices

A greater incidence of higher cost auto/consumer loans

Based on data from a Federal Deposit Insurance Corporation survey, 55 percent are unbanked or underbanked (i.e., they do not have bank account or do not have the appropriate bank account) -- more than any other group. And according to data from LendingPatterns.com, at the height of the subprime mortgage market, African-Americans had a greater share of such mortgage loans.

Surveys indicate that many African-Americans do not have a working knowledge of how to accumulate wealth to establish a financial legacy. 29.7 percent of older African-Americans rely on Social Security for 90 percent of their family income. The Joint Center for Political and Economic Studies' 1998 and 2009 polls indicates that 35 percent of African-Americans expect to receive a major portion of their retirement income from Social Security, and 29.2 percent receive it from employer sponsored pension plans. U. S. Census data issued July 2010 indicate that African-Americans and Hispanics report having less than $10,000 in savings. The 2010 Ariel/Hewitt Study reflects that in its highest income bracket ($120,000 and above), 31 percent of African-Americans and 20 percent of Hispanics reported outstanding loans. In contrast, 13 percent of white employees and 8 percent of Asian employees had outstanding 401(k) loans.

Wealth disparities can only be closed through financial literacy. The African-American community reflects a wide range of socio-economic backgrounds, but that should not limit our ability to acquire the financial knowledge needed to grow wealth. The acquisition of financial knowledge, however, does not eliminate the invisible barriers or discrimination that exist in the market place. However, such knowledge can serve as a moderator, in which you equip a person to be aware of the function of financial transactions and personal money management concepts so that they will not be taken advantage of and know how to efficiently utilize their financial resources.

To ensure that each individual fulfills the promissory note owed to Dr. King, he or she must:

Know how to manage credit

Know how to save for emergencies and/or unexpected expenses

Know how to manage debt

Know how to save and use investment vehicles to accumulate wealth and retirement income

Know how to manage risk to protect current income and assets

Know how to manage cash so that you are not living from payday to payday; this will require you to develop a budget that will serve as your spending plan

Know how to protect one's self from fraud or predatory lending practices

Know how to use financial services such as checking, saving and money market accounts

If America is going to be the land of opportunity, we must gain parity in financial literacy; then we can repay, in full, the debt we owe Dr. Martin Luther King, Jr. At the same time, it will take us into the promised land of economic prosperity. Such parity can not be dependent on chance or luck; we must gain the financial knowledge needed to realize the economic opportunities that were dear to Dr. King.

***

Theodore R. Daniels is the Founder and President of the Society for Financial Education and Professional Development (SFEPD). Founded in 1998, SFEPD is a non-profit organization whose mission is to enhance the level of financial and economic literacy of individuals and households in the United States and to promote professional development at the early stages of career development through mid-level management.

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Weekly Search & Social News: 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.

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Weekly Search & Social News: 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.

Experiments In Realtime News: The Eqentia Streams

CBS News' Lara Logan in hospital after sexual assault in Egypt ...

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

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Weekly Search & Social News: 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.

Experiments In Realtime News: The Eqentia Streams

CBS News' Lara Logan in hospital after sexual assault in Egypt ...

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

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Weekly Search & Social News: 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.

Experiments In Realtime News: The Eqentia Streams

CBS News' Lara Logan in hospital after sexual assault in Egypt ...

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

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Weekly Search & Social News: 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.

Experiments In Realtime News: The Eqentia Streams

CBS News' Lara Logan in hospital after sexual assault in Egypt ...

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

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Weekly Search & Social News: 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.

Experiments In Realtime News: The Eqentia Streams

CBS News' Lara Logan in hospital after sexual assault in Egypt ...

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

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Weekly Search & Social News: 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.

Experiments In Realtime News: The Eqentia Streams

CBS News' Lara Logan in hospital after sexual assault in Egypt ...

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

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Weekly Search & Social News: 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.

Experiments In Realtime News: The Eqentia Streams

CBS News' Lara Logan in hospital after sexual assault in Egypt ...

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

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Weekly Search & Social News: 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.

Experiments In Realtime News: The Eqentia Streams

CBS News' Lara Logan in hospital after sexual assault in Egypt ...

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

Friday 11 February 2011

Making Money on Line

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Networking on-line is an integral component of today’s business. Employers are busier than ever, and expectations are high, not to mention immediate. To take advantage of this “want it yesterday” mentality, there are several things a professional must consider to effectively activate their on-line networking strategy.

Below are some key suggestions and links to helpful Internet resources.
With the right balance of electronic and human interaction, you will better serve your existing customers and be quick to acquire new ones.

Rules of the Game:

1. Avoid Spamming. Spamming is when you send unsolicited information to one or several individuals on-line. It is the equivalent of “junk mail” in your mailbox, and it can blemish your business reputation with your audience. Most people do not like receiving spam, so it is critical that you only send items that they have “opted-in” to participate and always provide them with an easy method to unsubscribe. Use an e-Newsletter distribution system, rather than sending mass emails from Outlook or other email programs. This will enable you to send personalized messages, manage campaign results and build your business in a positive, professional way. There are many web based applications for you to consider, and they range in costs and services. One that I personally use and have found to be very affordable and user friendly is Constant Contact (www.constantcontact.com).

2. Respect Subscribers Privacy. Clearly state, at the bottom of your message and on your website, how you plan to utilize personal data that is collected. Since identity theft and selling of personal information is of great concern to most on-line citizens, it is important to establish secure and well thought out privacy policies, then actively employ them.

3. Mind Your Frequency. While electronic communications can be incredibly timely, inexpensive and easy to produce - it’s important that you don’t become a nuisance to your customers by over-communicating with them. If you are distributing an e-Newsletter, for example, either provide your subscribers with a preferences setting where they can choose the frequency of contact with your organization or limit your mailings to no more than once per month. In addition, when sending regular email, it is always courteous to give the recipient 24 – 48 hours to respond. It may take longer… remember, these are busy times we live in, and if you are waiting on an important (time-sensitive) response, then it’s better to phone them to discuss the matter or arrange a face-to-face meeting.

4. Net Etiquette (Netiquette). Brush up on your email, IM (instant messaging) & chatting skills. Learn the most commonly used on-line acronyms, abbreviations and electronic correspondence protocol. Reference “Learn the Net’s: Email Etiquette” page at http://www.learnthenet.com/english/html/65mailet.htm or “Net Lingo” at http://www.netlingo.com/emailsh.cfm for more information.

5. Only communicate items that you absolutely don’t mind having in writing. This should be common sense, however many people make the mistake of sending messages which contain sensitive information, include strong emotional tones, create confusion that leads to misinterpretation, etc. You definitely do not want to alienate the people you’re reaching out to, so take your time and extra care when fashioning your message. If you feel distracted or emotionally influenced while writing it, then take a break and come back to it when you’re more relaxed, level headed and thinking clearly.

Methods of On-line Networking:

1. Email. Email is the obvious first choice when you want to communicate directly to your customers over the Internet. Remember to be concise & clear with your message. Also be aware of spam-blocking, internet security & firewall software packages which may prevent your message from reaching the intended recipients.

2. Join a social networking community. There are many to choose from, from Yahoo! Groups to MySpace. The key to these environments is “connecting” and “building relationships”. Remember, don’t just spam and plaster your advertising all over the place. Invest time to interact with your customers, answer questions, provide information and be genuine.

3. E-Newsletters. Create a spot on your website where new subscribers can register to receive your periodic communications. Then deliver your content on time and at the intervals you promised. Bring value to your message by providing something more than just a sales pitch. Offer discounts, promotions, links to goodies (images, screensavers, downloads, etc.) that will entice the reader to interact and respond to your call to action.

4. Instant Messaging. Be careful with this one, as it can become an overwhelming nuisance if uncontrolled. As opposed to email, IMing makes you available to customers immediately while you’re on-line (and visible). IM tools are great because you can usually transfer files, add multiple people to a ‘group IM’ and keep track of individuals on your buddy list. If you use multiple versions of IM software (such as MSN, Yahoo!, ICQ, AOL IM, etc.) then consider downloading Trillian which allows you to access all of those programs from one interface. You can find out more about that free software here: http://www.download.com/3000-2150-10047473.html . But remember, if you find yourself “hiding” or putting up your “away” message more often than not, you are defeating the purpose of using such software.

5. Virtual Conferences. This is an especially attractive option with ever increasing gas/fuel prices and travel expenses. Whether you are dealing with clients across town or around the globe, it doesn’t take much to set up a virtual conference, and you’ll save time & money in the process. Some of the easiest programs to use are WebEx (www.webex.com) and GoToMeeting (www.gotomeeting.com).

6. Contact Management. In any business environment it’s very important that you keep all of your contact information up to date and conveniently accessible. Plaxo is one of the most well known web based contact management programs (which integrates with Outlook & Outlook Express) and performs their time-saving services free of charge (basic version). Plaxo securely updates and maintains information in your address book, and gives you the tools with which to share your information with over ten million existing Plaxo members. So, there’s a good chance that your friends, family, customers & business partners are already a part of the Plaxo network. Find more details at www.plaxo.com .

7. Chat / Forum Hosting. Many businesses are now including chat & forum options on their corporate websites to foster more frequent communication between themselves and their customers. The important consideration here is that your business has the resources to maintain such areas, keeping them fresh and current. Maintaining an empty chat room or sparse bulletin board serves no purpose other than taking up space and making your site seem outdated or unpopular. However, scheduling interesting topical chats at different dates/times during the month or engaging participants in a lively forum, can truly turn your site into a “community” rather than just an on-line billboard. Check with your local ISP (Internet Service Provider) to see if they offer enhancements such as chat rooms and bulletin boards for your web site. Many provide these services free of charge as well.

By taking advantage of these great on-line opportunities, you can enhance your current networking relationships and reach out to your audience in a convenient and immediate way. They will definitely appreciate you joining them in the 21st century, and offering them ways to communicate in the varying digital formats that they prefer.

Lori St-Germain is a freelancer who lives in the Adirondack mountain region of upstate New York. She is an accomplished writer, graphic/web designer and dedicated wife. She has two children (miniature schnauzers) named Scooter and Radar. To contact the author, please write to lori@jingledog.com .

Tuesday 8 February 2011

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Facebook DataMine: Sell your browsing data, make some cash.

There’s a new Chrome Extension that is allowing Facebook users to opt out of the Facebook data-mining. The extension is called Facebook DataMine, developed by Jim Haas, a Game Maker at MegaEpic. Facbook DataMine allows my data to be mined (great pun with the name Jim).

If you need a refresher on what data-mining means, here the definition from the Facebook Data Mining Page;

Data mining, a branch of computer science and artificial intelligence, is the process of extracting patterns from data. Data mining is seen as an increasingly important tool by modern business to transform data into business intelligence giving an informational advantage. It is currently used in a wide range of profiling practices, such as marketing, surveillance, fraud detection, and scientific discovery.

In the less complicated words of Jim Haas;

Every time you use Facebook or one of the thousands of web pages using Facebook Connect your personal information is being collected and then sold to marketers and mysterious 3rd parties without your consent. Facebook gets rich and you don’t make a dime.

This extension blocks Facebook from tracking your movements on the web, which sounds great. The extension will block all data going to Facebook until it reaches 100,000 downloads. After 100,000 downloads this is where it gets strange. Facebook DataMine will then sell your information to third party websites and share the profits with you. This may excite you or in-my-case scare you. Users are able to opt out at any stage. My initial reaction was sweet, extra money, this extension is going to hit 100,000 installs fast. Then I pressed the install button and this popped up:

It made me think twice, “This extension can access: Your data on all websites…” I can’t just hand-over all that data to someone else. Then I thought some more, Facebook DataMine will let me own my data for a set time and then they will own it. Yes I will be reimbursed for selling my data. However if my data is to be sold by anyone, it should be Facebook. After all isn’t this another example of someone monetizing off the back of Facebook and leaving them out?

I trust Facebook. You’re all laughing at me right? But I do. It’s like the old saying, “better the devil you know”. Facebook launched in Feb 2004 and it took the site 5 years to become profitable. A part of me believes that Facebook should be making money for the amazing service that it is providing.

However if you want to make your data into money and have no issues with your data being sold, give Facebook DataMine a try.

Facebook DataMine: Sell your browsing data, make some cash.

If you need a refresher on what data-mining means, here the definition from the Facebook Data Mining Page;

Data mining, a branch of computer science and artificial intelligence, is the process of extracting patterns from data. Data mining is seen as an increasingly important tool by modern business to transform data into business intelligence giving an informational advantage. It is currently used in a wide range of profiling practices, such as marketing, surveillance, fraud detection, and scientific discovery.

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Every time you use Facebook or one of the thousands of web pages using Facebook Connect your personal information is being collected and then sold to marketers and mysterious 3rd parties without your consent. Facebook gets rich and you don’t make a dime.

However if you want to make your data into money and have no issues with your data being sold, give Facebook DataMine a try.

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Facebook DataMine: Sell your browsing data, make some cash.

If you need a refresher on what data-mining means, here the definition from the Facebook Data Mining Page;

Data mining, a branch of computer science and artificial intelligence, is the process of extracting patterns from data. Data mining is seen as an increasingly important tool by modern business to transform data into business intelligence giving an informational advantage. It is currently used in a wide range of profiling practices, such as marketing, surveillance, fraud detection, and scientific discovery.

In the less complicated words of Jim Haas;

Every time you use Facebook or one of the thousands of web pages using Facebook Connect your personal information is being collected and then sold to marketers and mysterious 3rd parties without your consent. Facebook gets rich and you don’t make a dime.

However if you want to make your data into money and have no issues with your data being sold, give Facebook DataMine a try.

Facebook DataMine: Sell your browsing data, make some cash.

If you need a refresher on what data-mining means, here the definition from the Facebook Data Mining Page;

Data mining, a branch of computer science and artificial intelligence, is the process of extracting patterns from data. Data mining is seen as an increasingly important tool by modern business to transform data into business intelligence giving an informational advantage. It is currently used in a wide range of profiling practices, such as marketing, surveillance, fraud detection, and scientific discovery.

In the less complicated words of Jim Haas;

Every time you use Facebook or one of the thousands of web pages using Facebook Connect your personal information is being collected and then sold to marketers and mysterious 3rd parties without your consent. Facebook gets rich and you don’t make a dime.

However if you want to make your data into money and have no issues with your data being sold, give Facebook DataMine a try.

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Good morning Chiefs fans. A short post of your Kansas City Chiefs news. Nt a lot out there. Enjoy the game today. Hopefully next year, we'll have more than a passing interest. Go Chiefs!

Social Media Goes Viral on Capitol Hill : Roll Call

When Speaker Nancy Pelosi (D-Calif.) decided to run for Minority Leader after Democrats lost the House in November, she wanted to get the news out fast and cast a wide net. So she tweeted it.

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Arrowheadlines: Chiefs News 2/6 - Arrowhead Pride

Good morning Chiefs fans. A short post of your Kansas City Chiefs news. Nt a lot out there. Enjoy the game today. Hopefully next year, we'll have more than a passing interest. Go Chiefs!

Social Media Goes Viral on Capitol Hill : Roll Call

When Speaker Nancy Pelosi (D-Calif.) decided to run for Minority Leader after Democrats lost the House in November, she wanted to get the news out fast and cast a wide net. So she tweeted it.

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Facebook DataMine: Sell your browsing data, make some cash.

If you need a refresher on what data-mining means, here the definition from the Facebook Data Mining Page;

Data mining, a branch of computer science and artificial intelligence, is the process of extracting patterns from data. Data mining is seen as an increasingly important tool by modern business to transform data into business intelligence giving an informational advantage. It is currently used in a wide range of profiling practices, such as marketing, surveillance, fraud detection, and scientific discovery.

In the less complicated words of Jim Haas;

Every time you use Facebook or one of the thousands of web pages using Facebook Connect your personal information is being collected and then sold to marketers and mysterious 3rd parties without your consent. Facebook gets rich and you don’t make a dime.

However if you want to make your data into money and have no issues with your data being sold, give Facebook DataMine a try.

Facebook DataMine: Sell your browsing data, make some cash.

If you need a refresher on what data-mining means, here the definition from the Facebook Data Mining Page;

Data mining, a branch of computer science and artificial intelligence, is the process of extracting patterns from data. Data mining is seen as an increasingly important tool by modern business to transform data into business intelligence giving an informational advantage. It is currently used in a wide range of profiling practices, such as marketing, surveillance, fraud detection, and scientific discovery.

In the less complicated words of Jim Haas;

Every time you use Facebook or one of the thousands of web pages using Facebook Connect your personal information is being collected and then sold to marketers and mysterious 3rd parties without your consent. Facebook gets rich and you don’t make a dime.

However if you want to make your data into money and have no issues with your data being sold, give Facebook DataMine a try.

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Fashion News - Week in Review: Kate Moss Gets Engaged, Gisele ...

Here's all the fashion news that's fit to print! Enjoy!

Arrowheadlines: Chiefs News 2/6 - Arrowhead Pride

Good morning Chiefs fans. A short post of your Kansas City Chiefs news. Nt a lot out there. Enjoy the game today. Hopefully next year, we'll have more than a passing interest. Go Chiefs!

Social Media Goes Viral on Capitol Hill : Roll Call

When Speaker Nancy Pelosi (D-Calif.) decided to run for Minority Leader after Democrats lost the House in November, she wanted to get the news out fast and cast a wide net. So she tweeted it.

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Arrowheadlines: Chiefs News 2/6 - Arrowhead Pride

Good morning Chiefs fans. A short post of your Kansas City Chiefs news. Nt a lot out there. Enjoy the game today. Hopefully next year, we'll have more than a passing interest. Go Chiefs!

Social Media Goes Viral on Capitol Hill : Roll Call

When Speaker Nancy Pelosi (D-Calif.) decided to run for Minority Leader after Democrats lost the House in November, she wanted to get the news out fast and cast a wide net. So she tweeted it.

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Fashion News - Week in Review: Kate Moss Gets Engaged, Gisele ...

Here's all the fashion news that's fit to print! Enjoy!

Arrowheadlines: Chiefs News 2/6 - Arrowhead Pride

Good morning Chiefs fans. A short post of your Kansas City Chiefs news. Nt a lot out there. Enjoy the game today. Hopefully next year, we'll have more than a passing interest. Go Chiefs!

Social Media Goes Viral on Capitol Hill : Roll Call

When Speaker Nancy Pelosi (D-Calif.) decided to run for Minority Leader after Democrats lost the House in November, she wanted to get the news out fast and cast a wide net. So she tweeted it.

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Fashion News - Week in Review: Kate Moss Gets Engaged, Gisele ...

Here's all the fashion news that's fit to print! Enjoy!

Arrowheadlines: Chiefs News 2/6 - Arrowhead Pride

Good morning Chiefs fans. A short post of your Kansas City Chiefs news. Nt a lot out there. Enjoy the game today. Hopefully next year, we'll have more than a passing interest. Go Chiefs!

Social Media Goes Viral on Capitol Hill : Roll Call

When Speaker Nancy Pelosi (D-Calif.) decided to run for Minority Leader after Democrats lost the House in November, she wanted to get the news out fast and cast a wide net. So she tweeted it.

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Fashion News - Week in Review: Kate Moss Gets Engaged, Gisele ...

Here's all the fashion news that's fit to print! Enjoy!

Arrowheadlines: Chiefs News 2/6 - Arrowhead Pride

Good morning Chiefs fans. A short post of your Kansas City Chiefs news. Nt a lot out there. Enjoy the game today. Hopefully next year, we'll have more than a passing interest. Go Chiefs!

Social Media Goes Viral on Capitol Hill : Roll Call

When Speaker Nancy Pelosi (D-Calif.) decided to run for Minority Leader after Democrats lost the House in November, she wanted to get the news out fast and cast a wide net. So she tweeted it.

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You have probably heard it said that anyone can make money, and I believe it is true. After all, just look at the young kid out there selling lemonade with their uniquely constructed lemonade sign and stand. So here is proof that with a little knowledge, and after applying oneself to a given task, that a child and even a bum can make money. However, the problem is not always in MAKING money, be it small or large, the problem is that most people do not know how to KEEP it. This is evident through the statistics done on many lottery winners around the world over the past several years who are rich today, but eventually wind up broke, busted, and disgusted tomorrow. Yeah, I know that's an exaggeration on my part. Well if not tommorrow, usually within a few short years, because before they know it their millions soon transform into pennies, and their wealth gone. Therefore, I have found that it will take our operating in WISDOM and DISCIPLINE in order to keep money.

So who was the richest man who ever lived? The Bible says it was a man by the name of King Solomon. So how did he amass such a GREAT fortune? Was it simply because he was born into royalty and money? Yes and no. Yes, Solomon came from an affluent family, and likewise succeeded in inheriting the throne of his father, King David, and yes this definitely gave him a jump start toward financial success. However, Solomon was only just beginning. He was a novice. How would he govern a vast nation of people? Could he keep the family fortune that was now his and continue the regal financial legacy of his royal family? The answer, YES. We learn that this relatively young and inexperienced leader eventually far exceeded even the riches of his father and the nation by and large. How was this possible? Because, at his earliest beginning he sought after and asked only one thing from the Lord, and that was wisdom (i.e. not long life or riches). Yes, I said WISDOM! His desire was for godly wisdom and guidance to rule a nation, his family, and his finances and this is what has made his name reknown up until this present day. For Solomon himself, penned these very words, "that wisdom is the principal or chief thing, so in your getting, get understanding"(Proverbs 4:7). So below you'll find just a few tips that I believe will help you hold on to your money longer. After all, they are working for me!

PROVERBIAL TIPS:

1) Ask the Lord for wisdom every day in your decisions. "He will give it to you liberally" (Book of James 1:5).

2) Count or consider the costs before beginning or undertaking any type of endeavor or project (e.g. time, money, resources..).

3) Tithe and/or give generously to help your fellow man (e.g. charities, churches, organizations, community) "Give and it shall be given to you...." (Gospel of St. Luke 6:38).

4) Investments are great assets. So be sure to find a good one.

5) Save $100 or more when possible and place into a money market savings account on a regular basis so you can accrue a little interest. Besides even "the ant gathers its food in the harvest" (Proverbs 6:6-8). Now that is what I call insectual wisdom!

6) Do not max out your credit cards. Besides, having ownership of only ONE major credit card will ensure that you don't build up a long line of debt. Also, pay those bills early so that extra fees will not come into play. Remember, "the borrower is subject to the lender" (Proverbs 22:7). So be sure to watch your spending.

7) Use cash whenever possible. There are no interests, fees, nor debt pileup when using currency.

Here is one final word from the one of the wisest and richest men of his time, "Labor not to be rich: cease from your own wisdom. Will you set your eyes upon that which is not? For riches certainly make themselves wings; they fly away as an eagle toward heaven"(Proverbs 23:4-5). See there is a far greater and wiser investment to consider and to invest in, and that is the riches of ETERNITY.

For more information visit my daily-weekly newsletter/blog site at http://proverbsonmakingmoney.com or http://proverb2money.wordpress.com for my Wisdom2Money blogs.

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