Monday, November 29, 2010

how to budget personal finances

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

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How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

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Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

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Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

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A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

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To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

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Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema


Hapa is fast becoming the norm, the days of backlash are long over, at least in Cali, and certainly in the LBC where i am from. Though from our embarrassment of a museum, LBMofA, you would never know. The Paramount/Artesia/Long Beach area is known as the most integrated in the country, and swirl kids like mine and many others are very common from many different ethnic backgrounds and cultures. Mine is white and black, he dates a blonde Columbian. My adopted is black with an Irish grandpa and mexican/white girlfriend in medical school, though you would never know except by his last name. Know kids who are Samoan/black, Philipino/Mexican. Black/Mexican, Mexican/PuertoRican, Cambodian/Indian, white and everyone else, Philipino/white like my cousins daughter. And of course we have that mutt Obama guy.



Sports have done the most to integrate our country, from Korean/Black like a SuperBowl MVP, to more mixed kids at our Poly HS, the most NFL players of any in history at going on 60, like Marcedes Lewis at Jacksonville Jaguars little brother and sister when mom married a white guy, she used to babysit for me. Landry Fields, Pac Ten scholar athlete of the year at Stanford now a starter for the Knicks grew up with us and also a swirl like my boy. Lots of swirl kids like Jason Kidd, Tony Parker, Jordan Farmar, the Lopex twins are never given a second glance.



The arts are way behind in this, as few have kids from being too selfish , and not very open to true world culture anyway, it is completely white again. With a few token Asian girls thrown in. only the rich and foolish can afford the useless art degrees, other ethnicities have better sense. Also, if not for the number of head NFL coaches in rustbelt cities a few years ago, Obama never would ahve won. It took white racists to see hardworking, responsible, intelligent black men to get over their prejudices. Pittsburgh, Indianapolis, Chicago, Cincinnati, Kansas City, and more have help slowly open the land to diversity, far more than the arts.



Its time to get back to early modernism, where all cultures had something to add, instead of the academic white bread nutritionless lily whiteness of today. Where did it go wrong? The Academies were resurrected from their deserved grave, time to storm the Bastilles of art, and free it for us all.



art collegia delenda est



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Guy On Sunday Morning <b>News</b> Show Gets Slightly Abrasive | Best Week <b>...</b>

It is not that rare anymore to see pundits get worked up on news shows. But the Sunday morning network news shows have somehow remained a refuge for civil.

Fox <b>News</b> claims anti-fees protests were &quot;rebellion against big <b>...</b>

Rupert Murdoch's Fox News has again been caught misrepresenting video footage, claiming the anti-fees protests were a rebellion against big government.

&#39;The Simpsons&#39;: Fox <b>News</b> &#39;Unsuitable For Viewers Under 75&#39; (PHOTO)

"The Simpsons" took a shot at Fox News for the second week in a row. After dubbing its corporate sibling "Not Racist, But #1 With Racists" -- and getting criticized by Bill O'Reilly for doing so -- the Fox cartoon put a new slogan on ...


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Saturday, November 27, 2010

Ways of Making Money

In the upper reaches of Wall Street, talk of another financial crisis is dismissed as alarmism. Last fall, John Mack, to his credit, was one of the first Wall Street C.E.O.s to say publicly that his industry needed stricter regulation. Now that Morgan Stanley and Goldman Sachs, the last two remaining big independent Wall Street firms, have converted to bank holding companies, a legal switch that placed them under the regulatory authority of the Federal Reserve, Mack insists that proper supervision is in place. Fed regulators “have more expertise, and they challenge us,” Mack told me. Since the middle of 2007, Morgan Stanley has raised about twenty billion dollars in new capital and cut in half its leverage ratio—the total value of its assets divided by its capital. In addition, it now holds much more of its assets in forms that can be readily converted to cash. Other firms, including Goldman Sachs, have taken similar measures. “It’s a much safer system now,” Mack insisted. “There’s no question.”



That’s true. But the history of Wall Street is a series of booms and busts. After each blowup, the firms that survive temporarily shy away from risky ventures and cut back on leverage. Over time, the markets recover their losses, memories fade, spirits revive, and the action starts up again, until, eventually, it goes too far. The mere fact that Wall Street poses less of an immediate threat to the rest of us doesn’t mean it has permanently mended its ways.



Perhaps the most shocking thing about recent events was not how rapidly the big Wall Street firms got into trouble but how quickly they returned to profitability and lavished big rewards on themselves. Last year, Goldman Sachs paid more than sixteen billion dollars in compensation, and Morgan Stanley paid out more than fourteen billion dollars. Neither came up with any spectacular new investments or produced anything of tangible value, which leads to the question: When it comes to pay, is there something unique about the financial industry?



Thomas Philippon, an economist at N.Y.U.’s Stern School of Business, thinks there is. After studying the large pay differential between financial-sector employees and people in other industries with similar levels of education and experience, he and a colleague, Ariell Reshef of the University of Virginia, concluded that some of it could be explained by growing demand for financial services from technology companies and baby boomers. But Philippon and Reshef determined that up to half of the pay premium was due to something much simpler: people in the financial sector are overpaid. “In most industries, when people are paid too much their firms go bankrupt, and they are no longer paid too much,” he told me. “The exception is when people are paid too much and their firms don’t go broke. That is the finance industry.”



On Wall Street dealing desks, profits and losses are evaluated every afternoon when trading ends, and the firms’ positions are “marked to market”—valued on the basis of the closing prices. A trader can borrow money and place a leveraged bet on a certain market. As long as the market goes up, he will appear to be making a steady profit. But if the market eventually turns against him his capital may be wiped out. “You can create a trading strategy that overnight makes lots of money, and it can take months or years to find out whether it is real money or luck or excessive risk-taking,” Philippon explained. “Sometimes, even then it is hard.” Since traders (and their managers) get evaluated on a quarterly basis, they can be paid handsomely for placing bets that ultimately bankrupt their companies. “In most industries, a good idea is rewarded because the company generates profits and real cash flows,” Philippon said. “In finance, it is often just a trading gain. The closer you get to financial markets the easier it is to book funny profits.”

Social products are an interesting bird. For even the most experienced product designer, social products prove an elusive lover. While there are many obvious truths in social products, there are also alot of ways to design them poorly. Especially when you are deep in the moment making pixel-level decisions trying to remember what’s important, things may not be so clear.


The only magic I’ve found in designing compelling social products that have the best shot at breaking through the noise and capturing people’s time and money is in being extremely clear on how your social product meets a few key design principles.


1. Design your product to matter in a world of infinite supply. In 2010, people are inundated with an overwhelming number of people, applications, requests, alerts, relationships, and demands on their time. You love your product. The benefits of it are totally obvious to you. However, if you and every member of your team can’t crisply articulate what emotional benefit someone will get from spending 15 minutes on your social product that they can’t get on Facebook, LinkedIN, or Twitter, you’ve got work to do.


This isn’t touchy feely stuff. Neither I nor the prospective people who may use your social product care about your features, your game mechanics, or how amazing your application will be when there are millions of people on it. I’m selfish with my time and you’ve got seconds to hook me in with something new. And I’m not alone.


To successfully use the fleeting moments you have, you need to orchestrate everything under your control to work together seamlessly under a single brand with a single reason for existence. Make it emotional. If your team can’t tie back every decision they are making to the emotion you want people to feel when they are using your social product, then your reason for existence isn’t strong enough to serve its role, which is to guide your team and the product decisions you are making.


2. Be the best in the world at one thing. To put an even finer point on the focus required of any social upstart, you need to be best in the world at one thing. For Lululemon, they’ve built a $450 million annual revenue business by focusing on the black yoga pant. For Twitter, it’s the 140 character message. For Facebook, it is connecting you to the people you already know. Everything these companies do ties back to a specific thing they are going to be best in the world at doing.


It’s not always obvious upfront what should be your best in the world focus and enshrining the wrong thing can be a problem. However, it is much worse to build a social product without guiding principles. When you are focused on the one thing your social product is going to do better than everyone else, all you need to launch is your one thing and no more.


Ask yourself and every member of your team what you are best in the world at every week. Even better, define it, agree on it, print it out, blow it up, and put it on the wall. This should be the filter by which everyone is making product decisions.


3. Seek out uniqueness. Today’s social platforms and applications are fantastic at meeting people’s need to belong. But equally important – especially in a world of infinite supply – is what makes us feel different and special. People want scarcity. People want exclusivity. This doesn’t mean your social product should be limited to a niche. Frontierville was built for mass appeal – so that I could play with ALL of my friends – but it still finds ways to bring uniqueness into its social experience via neighbors, customization of your plot, and collections.


When people talk about exclusivity and scarcity these days, discussions of game mechanics are never far behind. I love game mechanics as much as the next person. However, if you are implementing game mechanics in the exact same way as everyone else, you’ve got a problem. It goes back to the issue of infinite supply. If there is an infinite supply of points, badges, and levels because they exist on every single social product out there, the minute you use them without being thoughtful, you are losing your shot at exclusivity and scarcity. A better approach is to figure out what makes people feel unique and special on your service independent of any specific game tactic. Then, selectively cherry pick the features that reinforce your emotional reason for existence for people. For uniqueness to work, you have to lead, not follow.


4. Focus on your most important interaction until you have it right. Once you have the critical features defined, there is typically one interaction that is clearly the most important to get right. It’s the interaction that if you get right means someone comes back and, if you don’t get it right, you can’t realize your full potential. Take this interaction and be maniacal about it. For Twitter, this is the Twitter stream. For Polyvore, this is the set page. For Facebook, this is the news feed. For YouTube, it’s the video page. For Dailybooth, it’s the live feed page. It’s the interaction where your magic happens, so give it the care and feeding needed to make it a star.


5. Choose your words carefully. The earlier you are as a social product, the more your word choice should be different and distinct from everything else out there. Early on is the time to have something important and different to say. In fact, all the great brands of the past 30 years have started out appealing to the passionate and rebellious first. Virgin? Sex, drugs, and rock and roll. Apple? The 1984 commercial. Nike? The subculture of intense runners sporting moustaches. Facebook? A few still remember the original Scarface logo.


There are things to copy from other services and there are things to make uniquely your own in social products. Layouts? Do your best but pay attention to what is already working. Colors? Hard to be original here, but blue is pretty played out. Icons? A toss up. Terminology? Own it. Your word choice is the primary place for you to have a point-of-view and present not only what you want your brand to emotionally mean to the people using it but the kinds of relationships you want people to have as a result of using your social product.


6. Create a party, not a museum. Great social products are clean, simple, and fast. The successful ones have little design flare, so that the people, photos, videos, text, and comments are front and center. The more design you add from colors to treatments, non-web-fonts, and graphics, the less your social application will feel like a party and the more it will feel like a museum. Or a magazine. Neither are a great goal. You want your social product to feel like it is a living and breathing party, not expensive furniture you’re not supposed to sit on.


7. Develop relationships, not features. Today, we have multiple personalities and different types of relationships with people in the real and virtual worlds. If you are going to design a new social product, it’s not enough to just offer a feature, like photos, videos, or events. You need to look at how the relationships on your social product will be important and different from the relationships you and others have already on Facebook, LinkedIN, and Twitter.


Most people will say that Facebook Connect handle the whole “people” thing for any new social product. I would argue that Facebook Connect is a start but if you can’t quickly show someone a new relationship dynamic or similar people in your social product in a way that is unique to your application, the value of people interacting in your new product will accrue back to Facebook and not you.


For example, I’ve found that on most new social applications I join I have the same 10 Facebook friends – typically my most prolific friends on Facebook already – on this new service too. In most cases, because these new social applications are just an extension of the things I’m already following them do on Facebook, such as sharing photos, events, lists, and videos, I don’t have a reason to come back to this new application a second time.


For a new social product, you need to think about how your social product expands, deepens, and changes the relationships people have today online and in the real world. This isn’t easy to achieve. The best example of a social product doing this well is Quora. Originally seeded with Facebook’s social graph, it has quickly differentiated itself by showing you people you may care about because of their thoughtful commentary, experience, and expertise displayed on topics that are important to you.


It takes alot for people to care about new people in the context of a new social product. Spending your time and energy on what constitutes similarity or what new relationships you want people to have as a result of your application is time worth spent.


As I think about what’s going to be created, discovered, invented, and re-imagined with social software in the next six months let alone the next five years, I can’t help but be excited. These principles shine a light on the first few feet in front of us, but, with every new social product success there will be new ones. As Alan Kay timelessly put it, “the best way to predict the future is to invent it.” I, for one, can’t wait to see what’s next.


Gina Bianchini is the founder of Ning, the leading online platform for the world’s organizers, activists and influencers to create their own social experiences with over 80 million unique users each month.



bench craft company scam

Real Estate <b>News</b>: Home Mortgage Rates Stabilize - Developments - WSJ

Here is a look at real-estate news in today's WSJ:

Web type <b>news</b>: iPhone and iPad now support TrueType font embedding <b>...</b>

This is also exciting news, as TrueType fonts are superior to SVG fonts in two very important ways: the files sizes are dramatically smaller (an especially important factor on mobile devices), and the rendering quality is much higher. ...

Denver Broncos <b>News</b>: Horse Tracks 11/27/10 - Mile High Report

Your daily cup of Orange and Blue Coffee - Horse Tracks.


bench craft company scam

Real Estate <b>News</b>: Home Mortgage Rates Stabilize - Developments - WSJ

Here is a look at real-estate news in today's WSJ:

Web type <b>news</b>: iPhone and iPad now support TrueType font embedding <b>...</b>

This is also exciting news, as TrueType fonts are superior to SVG fonts in two very important ways: the files sizes are dramatically smaller (an especially important factor on mobile devices), and the rendering quality is much higher. ...

Denver Broncos <b>News</b>: Horse Tracks 11/27/10 - Mile High Report

Your daily cup of Orange and Blue Coffee - Horse Tracks.


bench craft company scam
In the upper reaches of Wall Street, talk of another financial crisis is dismissed as alarmism. Last fall, John Mack, to his credit, was one of the first Wall Street C.E.O.s to say publicly that his industry needed stricter regulation. Now that Morgan Stanley and Goldman Sachs, the last two remaining big independent Wall Street firms, have converted to bank holding companies, a legal switch that placed them under the regulatory authority of the Federal Reserve, Mack insists that proper supervision is in place. Fed regulators “have more expertise, and they challenge us,” Mack told me. Since the middle of 2007, Morgan Stanley has raised about twenty billion dollars in new capital and cut in half its leverage ratio—the total value of its assets divided by its capital. In addition, it now holds much more of its assets in forms that can be readily converted to cash. Other firms, including Goldman Sachs, have taken similar measures. “It’s a much safer system now,” Mack insisted. “There’s no question.”



That’s true. But the history of Wall Street is a series of booms and busts. After each blowup, the firms that survive temporarily shy away from risky ventures and cut back on leverage. Over time, the markets recover their losses, memories fade, spirits revive, and the action starts up again, until, eventually, it goes too far. The mere fact that Wall Street poses less of an immediate threat to the rest of us doesn’t mean it has permanently mended its ways.



Perhaps the most shocking thing about recent events was not how rapidly the big Wall Street firms got into trouble but how quickly they returned to profitability and lavished big rewards on themselves. Last year, Goldman Sachs paid more than sixteen billion dollars in compensation, and Morgan Stanley paid out more than fourteen billion dollars. Neither came up with any spectacular new investments or produced anything of tangible value, which leads to the question: When it comes to pay, is there something unique about the financial industry?



Thomas Philippon, an economist at N.Y.U.’s Stern School of Business, thinks there is. After studying the large pay differential between financial-sector employees and people in other industries with similar levels of education and experience, he and a colleague, Ariell Reshef of the University of Virginia, concluded that some of it could be explained by growing demand for financial services from technology companies and baby boomers. But Philippon and Reshef determined that up to half of the pay premium was due to something much simpler: people in the financial sector are overpaid. “In most industries, when people are paid too much their firms go bankrupt, and they are no longer paid too much,” he told me. “The exception is when people are paid too much and their firms don’t go broke. That is the finance industry.”



On Wall Street dealing desks, profits and losses are evaluated every afternoon when trading ends, and the firms’ positions are “marked to market”—valued on the basis of the closing prices. A trader can borrow money and place a leveraged bet on a certain market. As long as the market goes up, he will appear to be making a steady profit. But if the market eventually turns against him his capital may be wiped out. “You can create a trading strategy that overnight makes lots of money, and it can take months or years to find out whether it is real money or luck or excessive risk-taking,” Philippon explained. “Sometimes, even then it is hard.” Since traders (and their managers) get evaluated on a quarterly basis, they can be paid handsomely for placing bets that ultimately bankrupt their companies. “In most industries, a good idea is rewarded because the company generates profits and real cash flows,” Philippon said. “In finance, it is often just a trading gain. The closer you get to financial markets the easier it is to book funny profits.”

Social products are an interesting bird. For even the most experienced product designer, social products prove an elusive lover. While there are many obvious truths in social products, there are also alot of ways to design them poorly. Especially when you are deep in the moment making pixel-level decisions trying to remember what’s important, things may not be so clear.


The only magic I’ve found in designing compelling social products that have the best shot at breaking through the noise and capturing people’s time and money is in being extremely clear on how your social product meets a few key design principles.


1. Design your product to matter in a world of infinite supply. In 2010, people are inundated with an overwhelming number of people, applications, requests, alerts, relationships, and demands on their time. You love your product. The benefits of it are totally obvious to you. However, if you and every member of your team can’t crisply articulate what emotional benefit someone will get from spending 15 minutes on your social product that they can’t get on Facebook, LinkedIN, or Twitter, you’ve got work to do.


This isn’t touchy feely stuff. Neither I nor the prospective people who may use your social product care about your features, your game mechanics, or how amazing your application will be when there are millions of people on it. I’m selfish with my time and you’ve got seconds to hook me in with something new. And I’m not alone.


To successfully use the fleeting moments you have, you need to orchestrate everything under your control to work together seamlessly under a single brand with a single reason for existence. Make it emotional. If your team can’t tie back every decision they are making to the emotion you want people to feel when they are using your social product, then your reason for existence isn’t strong enough to serve its role, which is to guide your team and the product decisions you are making.


2. Be the best in the world at one thing. To put an even finer point on the focus required of any social upstart, you need to be best in the world at one thing. For Lululemon, they’ve built a $450 million annual revenue business by focusing on the black yoga pant. For Twitter, it’s the 140 character message. For Facebook, it is connecting you to the people you already know. Everything these companies do ties back to a specific thing they are going to be best in the world at doing.


It’s not always obvious upfront what should be your best in the world focus and enshrining the wrong thing can be a problem. However, it is much worse to build a social product without guiding principles. When you are focused on the one thing your social product is going to do better than everyone else, all you need to launch is your one thing and no more.


Ask yourself and every member of your team what you are best in the world at every week. Even better, define it, agree on it, print it out, blow it up, and put it on the wall. This should be the filter by which everyone is making product decisions.


3. Seek out uniqueness. Today’s social platforms and applications are fantastic at meeting people’s need to belong. But equally important – especially in a world of infinite supply – is what makes us feel different and special. People want scarcity. People want exclusivity. This doesn’t mean your social product should be limited to a niche. Frontierville was built for mass appeal – so that I could play with ALL of my friends – but it still finds ways to bring uniqueness into its social experience via neighbors, customization of your plot, and collections.


When people talk about exclusivity and scarcity these days, discussions of game mechanics are never far behind. I love game mechanics as much as the next person. However, if you are implementing game mechanics in the exact same way as everyone else, you’ve got a problem. It goes back to the issue of infinite supply. If there is an infinite supply of points, badges, and levels because they exist on every single social product out there, the minute you use them without being thoughtful, you are losing your shot at exclusivity and scarcity. A better approach is to figure out what makes people feel unique and special on your service independent of any specific game tactic. Then, selectively cherry pick the features that reinforce your emotional reason for existence for people. For uniqueness to work, you have to lead, not follow.


4. Focus on your most important interaction until you have it right. Once you have the critical features defined, there is typically one interaction that is clearly the most important to get right. It’s the interaction that if you get right means someone comes back and, if you don’t get it right, you can’t realize your full potential. Take this interaction and be maniacal about it. For Twitter, this is the Twitter stream. For Polyvore, this is the set page. For Facebook, this is the news feed. For YouTube, it’s the video page. For Dailybooth, it’s the live feed page. It’s the interaction where your magic happens, so give it the care and feeding needed to make it a star.


5. Choose your words carefully. The earlier you are as a social product, the more your word choice should be different and distinct from everything else out there. Early on is the time to have something important and different to say. In fact, all the great brands of the past 30 years have started out appealing to the passionate and rebellious first. Virgin? Sex, drugs, and rock and roll. Apple? The 1984 commercial. Nike? The subculture of intense runners sporting moustaches. Facebook? A few still remember the original Scarface logo.


There are things to copy from other services and there are things to make uniquely your own in social products. Layouts? Do your best but pay attention to what is already working. Colors? Hard to be original here, but blue is pretty played out. Icons? A toss up. Terminology? Own it. Your word choice is the primary place for you to have a point-of-view and present not only what you want your brand to emotionally mean to the people using it but the kinds of relationships you want people to have as a result of using your social product.


6. Create a party, not a museum. Great social products are clean, simple, and fast. The successful ones have little design flare, so that the people, photos, videos, text, and comments are front and center. The more design you add from colors to treatments, non-web-fonts, and graphics, the less your social application will feel like a party and the more it will feel like a museum. Or a magazine. Neither are a great goal. You want your social product to feel like it is a living and breathing party, not expensive furniture you’re not supposed to sit on.


7. Develop relationships, not features. Today, we have multiple personalities and different types of relationships with people in the real and virtual worlds. If you are going to design a new social product, it’s not enough to just offer a feature, like photos, videos, or events. You need to look at how the relationships on your social product will be important and different from the relationships you and others have already on Facebook, LinkedIN, and Twitter.


Most people will say that Facebook Connect handle the whole “people” thing for any new social product. I would argue that Facebook Connect is a start but if you can’t quickly show someone a new relationship dynamic or similar people in your social product in a way that is unique to your application, the value of people interacting in your new product will accrue back to Facebook and not you.


For example, I’ve found that on most new social applications I join I have the same 10 Facebook friends – typically my most prolific friends on Facebook already – on this new service too. In most cases, because these new social applications are just an extension of the things I’m already following them do on Facebook, such as sharing photos, events, lists, and videos, I don’t have a reason to come back to this new application a second time.


For a new social product, you need to think about how your social product expands, deepens, and changes the relationships people have today online and in the real world. This isn’t easy to achieve. The best example of a social product doing this well is Quora. Originally seeded with Facebook’s social graph, it has quickly differentiated itself by showing you people you may care about because of their thoughtful commentary, experience, and expertise displayed on topics that are important to you.


It takes alot for people to care about new people in the context of a new social product. Spending your time and energy on what constitutes similarity or what new relationships you want people to have as a result of your application is time worth spent.


As I think about what’s going to be created, discovered, invented, and re-imagined with social software in the next six months let alone the next five years, I can’t help but be excited. These principles shine a light on the first few feet in front of us, but, with every new social product success there will be new ones. As Alan Kay timelessly put it, “the best way to predict the future is to invent it.” I, for one, can’t wait to see what’s next.


Gina Bianchini is the founder of Ning, the leading online platform for the world’s organizers, activists and influencers to create their own social experiences with over 80 million unique users each month.



bench craft company scam

Real Estate <b>News</b>: Home Mortgage Rates Stabilize - Developments - WSJ

Here is a look at real-estate news in today's WSJ:

Web type <b>news</b>: iPhone and iPad now support TrueType font embedding <b>...</b>

This is also exciting news, as TrueType fonts are superior to SVG fonts in two very important ways: the files sizes are dramatically smaller (an especially important factor on mobile devices), and the rendering quality is much higher. ...

Denver Broncos <b>News</b>: Horse Tracks 11/27/10 - Mile High Report

Your daily cup of Orange and Blue Coffee - Horse Tracks.


bench craft company scam

Real Estate <b>News</b>: Home Mortgage Rates Stabilize - Developments - WSJ

Here is a look at real-estate news in today's WSJ:

Web type <b>news</b>: iPhone and iPad now support TrueType font embedding <b>...</b>

This is also exciting news, as TrueType fonts are superior to SVG fonts in two very important ways: the files sizes are dramatically smaller (an especially important factor on mobile devices), and the rendering quality is much higher. ...

Denver Broncos <b>News</b>: Horse Tracks 11/27/10 - Mile High Report

Your daily cup of Orange and Blue Coffee - Horse Tracks.


bench craft company scam

Friday, November 19, 2010

personal finance programs

bench craft company rip off

12th Annual Charity Golf Tournament benefitting the Eureka Camp Society-Apex Secondary School-presented by SNC LAVALIN Pacific Liaicon and Associates Benefitting the Eureka Camp Society-Apex Secondary School photos by Ron Sombilon Gallery (303) by Ron Sombilon Gallery


bench craft company rip off

Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.

Middle East violence increases « Liveshots

Another cycle of violence in the Middle East as Israel strikes targets in Gaza in retaliation.

Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...


bench craft company rip off

12th Annual Charity Golf Tournament benefitting the Eureka Camp Society-Apex Secondary School-presented by SNC LAVALIN Pacific Liaicon and Associates Benefitting the Eureka Camp Society-Apex Secondary School photos by Ron Sombilon Gallery (303) by Ron Sombilon Gallery


bench craft company rip off

Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.

Middle East violence increases « Liveshots

Another cycle of violence in the Middle East as Israel strikes targets in Gaza in retaliation.

Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...


bench craft company rip off

Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.

Middle East violence increases « Liveshots

Another cycle of violence in the Middle East as Israel strikes targets in Gaza in retaliation.

Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...


bench craft company rip off

Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.

Middle East violence increases « Liveshots

Another cycle of violence in the Middle East as Israel strikes targets in Gaza in retaliation.

Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...


bench craft company rip off

Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.

Middle East violence increases « Liveshots

Another cycle of violence in the Middle East as Israel strikes targets in Gaza in retaliation.

Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...


bench craft company rip off

12th Annual Charity Golf Tournament benefitting the Eureka Camp Society-Apex Secondary School-presented by SNC LAVALIN Pacific Liaicon and Associates Benefitting the Eureka Camp Society-Apex Secondary School photos by Ron Sombilon Gallery (303) by Ron Sombilon Gallery


bench craft company rip off
bench craft company rip off

Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.

Middle East violence increases « Liveshots

Another cycle of violence in the Middle East as Israel strikes targets in Gaza in retaliation.

Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...


bench craft company rip off

bench craft company rip off

Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.

Middle East violence increases « Liveshots

Another cycle of violence in the Middle East as Israel strikes targets in Gaza in retaliation.

Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...


bench craft company rip off

Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.

Middle East violence increases « Liveshots

Another cycle of violence in the Middle East as Israel strikes targets in Gaza in retaliation.

Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...


bench craft company rip off

EA launching Facebook golf game PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of EA launching Facebook golf game.

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inqueries you'd like to get answered, read our small.

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...


bench craft company rip off

Fox <b>News</b> President: Jon Stewart Is Crazy And NPR Is Run By Nazis <b>...</b>

The second part of The Daily Beast's interview with Fox News president Roger Ailes is out today, and Ailes' encore doesn't disappoint. He responded harshly to Jon Stewart's pervasive criticism of cable news and had some tough, ...

Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...


bench craft company rip off

Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inqueries you'd like to get answered, read our small.

Rivet returning to lineup - Sabres Edge - Blogs - The Buffalo <b>News</b>

The Buffalo News updated every day with news from Buffalo, New York. Links to national and business news, entertainment listings, recipes, sports teams, classified ads, death notices.


bench craft company rip off

Thursday, November 18, 2010

Ways of Making Money

eric seiger

Amazon.com: 99 Ways To Make Money Using Twitter (9780967754611): The Editors of Geekpreneur: Books by twitter.com/a3munier


eric seiger

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Senator Rockefeller Wants FCC To &#39;End&#39; Fox <b>News</b>, MSNBC

During a committee meeting on Wednesday about television retransmission consent, Senator Jay Rockefeller (D-WV) veered away from his prepared remarks to take aim at both Fox News and MSNBC: More than just retransmission consent ails our ...

Arrowheadlines: Chiefs <b>News</b> 11/18 - Arrowhead Pride

Good morning Chiefs fans! A somewhat shorter version of Arrowheadlines this morning. Not a lot out there. Enjoy your Kansas City Chiefs news. Oh, and don't forget about football tonight (Go Bones!).


eric seiger

Amazon.com: 99 Ways To Make Money Using Twitter (9780967754611): The Editors of Geekpreneur: Books by twitter.com/a3munier


eric seiger

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Senator Rockefeller Wants FCC To &#39;End&#39; Fox <b>News</b>, MSNBC

During a committee meeting on Wednesday about television retransmission consent, Senator Jay Rockefeller (D-WV) veered away from his prepared remarks to take aim at both Fox News and MSNBC: More than just retransmission consent ails our ...

Arrowheadlines: Chiefs <b>News</b> 11/18 - Arrowhead Pride

Good morning Chiefs fans! A somewhat shorter version of Arrowheadlines this morning. Not a lot out there. Enjoy your Kansas City Chiefs news. Oh, and don't forget about football tonight (Go Bones!).


eric seiger

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Senator Rockefeller Wants FCC To &#39;End&#39; Fox <b>News</b>, MSNBC

During a committee meeting on Wednesday about television retransmission consent, Senator Jay Rockefeller (D-WV) veered away from his prepared remarks to take aim at both Fox News and MSNBC: More than just retransmission consent ails our ...

Arrowheadlines: Chiefs <b>News</b> 11/18 - Arrowhead Pride

Good morning Chiefs fans! A somewhat shorter version of Arrowheadlines this morning. Not a lot out there. Enjoy your Kansas City Chiefs news. Oh, and don't forget about football tonight (Go Bones!).


eric seiger

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Senator Rockefeller Wants FCC To &#39;End&#39; Fox <b>News</b>, MSNBC

During a committee meeting on Wednesday about television retransmission consent, Senator Jay Rockefeller (D-WV) veered away from his prepared remarks to take aim at both Fox News and MSNBC: More than just retransmission consent ails our ...

Arrowheadlines: Chiefs <b>News</b> 11/18 - Arrowhead Pride

Good morning Chiefs fans! A somewhat shorter version of Arrowheadlines this morning. Not a lot out there. Enjoy your Kansas City Chiefs news. Oh, and don't forget about football tonight (Go Bones!).


eric seiger
eric seiger

Amazon.com: 99 Ways To Make Money Using Twitter (9780967754611): The Editors of Geekpreneur: Books by twitter.com/a3munier


eric seiger
eric seiger

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Senator Rockefeller Wants FCC To &#39;End&#39; Fox <b>News</b>, MSNBC

During a committee meeting on Wednesday about television retransmission consent, Senator Jay Rockefeller (D-WV) veered away from his prepared remarks to take aim at both Fox News and MSNBC: More than just retransmission consent ails our ...

Arrowheadlines: Chiefs <b>News</b> 11/18 - Arrowhead Pride

Good morning Chiefs fans! A somewhat shorter version of Arrowheadlines this morning. Not a lot out there. Enjoy your Kansas City Chiefs news. Oh, and don't forget about football tonight (Go Bones!).


Wednesday, November 17, 2010

budgeting personal finances




Conduct a Financial Fire Drill to Assess Financial Health





We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.


Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.


You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.





Conduct a Financial Fire Drill to Assess Financial Health





We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.


Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.


You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.



alpine payment systems scam

More Bad <b>News</b> for Obama 2012: Catholics Elect Dolan - Swampland <b>...</b>

Corrected Nov. 17: The Catholic bishops' surprise election yesterday of New York's Archbishop Timothy M. Dolan as their president is more bad news for Obama in 2012.

Was Tony Parker Cheating? Mystery Teammate&#39;s Wife Revealed... Erin <b>...</b>

The father of San Antonio Spurs star Brent Barry -- whose wife Erin is reportedly the other woman in a Tony Parker love triangle -- tells TMZ he's worried that Brent will be "devastated" by the news. Tony Parker Cheating With Brent ...

360-exclusive Fallout: NV DLC revealed Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of 360-exclusive Fallout: NV DLC revealed.



Quizzle says Happy Thanksgiving - we're thankful for YOU! by QuizzleTown


More Bad <b>News</b> for Obama 2012: Catholics Elect Dolan - Swampland <b>...</b>

Corrected Nov. 17: The Catholic bishops' surprise election yesterday of New York's Archbishop Timothy M. Dolan as their president is more bad news for Obama in 2012.

Was Tony Parker Cheating? Mystery Teammate&#39;s Wife Revealed... Erin <b>...</b>

The father of San Antonio Spurs star Brent Barry -- whose wife Erin is reportedly the other woman in a Tony Parker love triangle -- tells TMZ he's worried that Brent will be "devastated" by the news. Tony Parker Cheating With Brent ...

360-exclusive Fallout: NV DLC revealed Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of 360-exclusive Fallout: NV DLC revealed.


alpine payment systems scam

More Bad <b>News</b> for Obama 2012: Catholics Elect Dolan - Swampland <b>...</b>

Corrected Nov. 17: The Catholic bishops' surprise election yesterday of New York's Archbishop Timothy M. Dolan as their president is more bad news for Obama in 2012.

Was Tony Parker Cheating? Mystery Teammate&#39;s Wife Revealed... Erin <b>...</b>

The father of San Antonio Spurs star Brent Barry -- whose wife Erin is reportedly the other woman in a Tony Parker love triangle -- tells TMZ he's worried that Brent will be "devastated" by the news. Tony Parker Cheating With Brent ...

360-exclusive Fallout: NV DLC revealed Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of 360-exclusive Fallout: NV DLC revealed.


Making Internet Money


I sincerely hope followers of the Network Neutrality (NN) debate were wearing their seatbelts last week.  The pro-NN Media Marxists’ rapid lurch in position on the issue would otherwise have ensured full chiropractor employment for a pronounced period of time.



What led to this The-Ends-Justify-Any-Means-Necessary backflip is the Cablevision-Fox dustup over fees Cablevision pays Fox to retransmit the latter’s programming.  The two parties couldn’t reach an agreement, the contract elapsed and Fox pulled its channels from the Cablevision lineup.


Fox then went a step further, temporarily making some of its online content unavailable to Cablevision subscribers.


Let us be clear what happened here.  The Content Provider (Fox) had prevented the Internet Service Provider (Cablevision) from access to its online content.


And after all, it is Fox’s property.  They paid a LOT of money for its creation, development and deployment – they can do with it whatever they wish.  They can offer it to whomever, or not offer it to anyone at all.  If they want to withhold some or all of it from some or all people, that is their prerogative – especially when they are not being paid for it.


It is here that the pro-Net Neutrality crowd jumped the intellectual shark.  Well, again.  They asserted that Fox – by not giving away their property online – was in violation of the Media Marxists’ warped definition of NN.


And that Fox’s “violation” served as further “justification” for Federal Communications Commission (FCC)-mandated Net Neutrality – and the radical, extra-lawful Internet power grab they have been demanding the FCC make so as to commandeer the authority necessary to enact and enforce it.


(An investment-devastating move which the FCC may very well execute as soon as November 30th.)


FCC Commissioner Michael Copps said in a statement:


For a broadcaster to pull programming from the Internet for a cable company’s subscribers, as apparently happened here, directly threatens the open Internet.


And Art Brodsky, Director of Communications for Public Knowledge, wrote:


Fox committed what should be considered one of the grossest violations of the open Internet committed by a U.S. company….


In this case, of course, it’s the content provider that was doing the blocking…. (B)ut it shouldn’t matter who is keeping consumers away from the lawful content….


If one values the open Internet, however, there should be rules against that sort of thing, whether the blocking is done by the ISP or by a content provider….


Yes, it would be nice if someone (like the FCC) could step in and tell Fox that it is unacceptable to block Internet content.


For years these Leftists have been vociferously insisting that the enemies of NN are the evil Internet Service Providers – who would allegedly block access to online fare.  And thusly Net Neutrality was required to stop them from so doing.


But by attempting to frame the Cablevision-Fox dispute in NN terms – by demanding that Fox give away its content to everyone – the pro-NN gaggle clearly demonstrates that this fight is not (just) about ACCESS to Internet content – it is about GOVERNMENT CONTROL of Internet content.


They seek to neutralize the Internet – by having the government control its content.


Of course, they have all along stridently asserted that Net Neutrality is not about this.


Right-wing media have falsely claimed that the net neutrality principle supported by the Obama administration is an attempt by the government to control Internet content. In fact, net neutrality does not mean government control of content on the Internet; rather, net neutrality ensures equal and open access for consumers and producers of content and applications…


But their demands of Fox clearly demonstrate that it is.


Yesterday, it was about access to content.  Today, it’s the government demanding content providers give away the products they produce.


Tomorrow, it will be the government demanding content providers pull from the Web the products they produce.  Shutting you up by insisting you shut it down.


After all, government control is government control.  Once they have it, they have it all the way.


How pathetically sad it is that the ACLU – the alleged champion of the First Amendment – has so readily sacrificed it on the altar of Leftist ideology.  And done so in such an intellectually vacuous fashion – the First Amendment protects us from GOVERNMENT censorship, not the actions of private companies or individuals.


To say that force feeding the nation Net Neutrality is a First Amendment imperative is both factually and morally bankrupt.





Heard any good jokes lately? This headline was making the internet rounds yesterday:



"Sen. Conrad: Extend All Tax Cuts; Time to Get 'Serious' About Deficit."



It's easy to see the humor in that. It's almost like saying you're serious about saving money but don't want to put any more pennies into the piggy bank. But here's what isn't so funny: Most reporters and politicians agree that Kent Conrad is "serious."



So-called "deficit hawks" like Conrad, Erskine Bowles, and Alan Simpson aren't just unserious. They're radicals. Their positions are an extreme departure from the philosophy of government that's guided American policy for a century. They're promoting an upward redistribution of wealth that would change the shape of our society forever. They're want to weaken a social contract that's existed since the Presidency of Franklin D. Roosevelt and dismantle the economic principles we've had since Teddy Roosevelt.



You can call it a joke if you want. But, to paraphrase Elvis Costello, it's got "a punchline you can feel."



Roger Hickey and I pointed out on Wednesday that most Americans (including most Republicans) oppose any cuts to Social Security benefits. They want the payroll tax cap lifted instead, which is a fiscally sound approach. But the Republican leadership would rather cut benefits than inconvenience the wealthy, and Democrats like Conrad agree. So the "serious" position in Washington is to split the difference between them.



What happens if you recommend the solution that most people (including most Republicans) want? People say you're an "extremist." No, seriously. And nothing you can do will change that. You can point out that Social Security is self funded and they'll roll their eyes. You can have the most qualified actuary in the nation prove that your solution works, and they'll never even acknowledge that your solution exists. (Peter Orszag and Alice Rivlin have both practiced this form of rebuttal by non-acknowledgement -- which seems to be the public policy equivalent of an Amish shunning.)



If all that makes you a little exasperated, they'll observe that you're not just an extremist, you're a shrill extremist. Which, of course, proves you're not "serious."



Consider this snippet of media repartee, captured by the always-serious Digby, about the Bowles/Simpson "deficit reduction" proposal:



JIM LEHRER: Well, Nancy Pelosi, speaker of the House, said, this is -- just right off the top, is unacceptable, right?

LORI MONTGOMERY (Washington Post): Simply unacceptable, that's exactly what she said.



There's an interesting dynamic developing ... Many of the members, except for the most liberal members, the champions of Social Security, are very reluctant to outright criticize this thing ...



They're calling it a serious effort, something that they have to respect ... It's like, you know: This is a serious plan .. these very extreme reactions are coming from the far end of the party, of each party. I think that there is a middle ground that is going to try to massage this thing, and -- and could bring this whole debate back to life...



In this clip a prominent journalist is saying that it's "serious" to solve the deficit problem by cutting a program that doesn't contribute to the deficit. She's lauding "serious" people for finding the "middle ground" -- between what the public doesn't want and what it really, really doesn't want. And she's marginalizing anyone who thinks otherwise as "extreme," "liberal", and from the "far end" of the party. (Remember: Most Republicans polled don't like this idea either.).



Then there's Jon Cowan of Third Way, who writes: "It's now time to put up or shut up, in short to lead or leave. This (the Erskine/Bowles proposal) is the first real leadership test for both parties in a divided capitol: will they embrace the Fiscal Commission recommendations, or cop out and pick the plan apart?"



Leaving aside the misstatement of fact -- the Bowles/Simpson proposal doesn't come from the "Fiscal Commission," a group that would never endorse such extreme positions -- let's consider the nature of this "leadership test." As the perpetually unserious Paul Krugman observes, this proposal "represents a major transfer of income upward, from the middle class to a small minority of wealthy Americans." This drain on middle-class income to benefit the wealthy is the through-line that links Bowles and Simpson to Conrad and the other so-called "deficit hawks." Jon Cowan's position is that this upward redistribution of wealth doesn't even warrant public debate, and that politicians who submit to it without protest have passed a "leadership test."



Now, as it happens I've met Jon Cowan. He's a very nice, very bright guy. But this is another example of the unserious nature of "serious" thinking in Washington. Pols must "put up or shut up" -- but it's not the public who decides what gets "put up." And if you speak up for what most people (including most Republicans) want, that's a "cop out." You're "picking the plan apart." C'mon now: Do you want to be a leader or a decision-dodging nitpicker?



I'm gonna have to go with "nitpicker." If that's the new term for representing the people's wishes and acting in their best interests, I'd say we need a lot more nitpickers in Washington.



None of this is really "serious." It's play-acting, dress-up. It's like wearing daddy's overlarge clothes and repeating how-mommy-talks-in-the-office words that sound important, even though you don't know what they mean. We're talking tough, we're making the hard decisions, we're rolling up our sleeves and getting to work. Except we're not doing any of those things. This radical position is becoming the new Washington consensus. Going along with the crowd is easy, comfortable, and convenient.



The problem isn't Lori Montgomery or Jon Cowan. They're probably driven by the best of motives: the desire to work together, to collaborate, to go beyond rigid ideological boundaries to solve problems. But collaboration and bipartisanship are means, not ends. They're ways of getting things done, not the things themselves. When a culture prizes the method more it does the results, it's gone astray.



The "unserious" truth is this: Simpson and Bowles, like Conrad, would accelerate an upward restribution of wealth that's already rolling ahead like a freight train. They'd pay for it by taking money out of the pockets of soldiers, lower- and middle-income college students, and the elderly. That's a debate we need to have, and it's not a "leadership test" to run from it.



So, you want to hear an old joke? A drunk goes into a restaurant and orders a cup of coffee and a bun. The waiter says "I'm sorry, sir, we're all out of buns." The drunk thinks for a second and says, "Okay, I'll have a cup of tea and a bun." The waiter says "Sorry, we're out of buns." The drunk says "Fine, I'll have a glass of orange juice and a bun." After a few more exchanges like this the waiter loses his temper: "How many times do I have to tell you we're out of buns? No buns! No buns! No buns!"



The drunk says "Jeez, pal, if you're going to get so upset I'll just have the bun."



These so-called "deficit hawks" are the drunk, the public is the waiter, and the "bun" is any policy that benefits the wealthy at the expense of middle- and lower-income people. No matter how many times voters say that's not on the menu, they're going to keep ordering it. And they may very well get it.



But seriously, folks.

______________________________________



Richard (RJ) Eskow, a consultant and writer (and former insurance/finance executive), is a Senior Fellow with the Campaign for America's Future. This post was produced as part of the Strengthen Social Security campaign. Richard also blogs at A Night Light.



He can be reached at "rjeskow@ourfuture.org."



Website: Eskow and Associates











bench craft company scam

New Yorker&#39;s Music Critic Moves to <b>News</b> Corp.&#39;s Daily - NYTimes.com

Sasha Frere-Jones, a music critic at The New Yorker, will become the culture editor of The Daily, News Corporation's so-called iPad newspaper which is currently in development.

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...


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I sincerely hope followers of the Network Neutrality (NN) debate were wearing their seatbelts last week.  The pro-NN Media Marxists’ rapid lurch in position on the issue would otherwise have ensured full chiropractor employment for a pronounced period of time.



What led to this The-Ends-Justify-Any-Means-Necessary backflip is the Cablevision-Fox dustup over fees Cablevision pays Fox to retransmit the latter’s programming.  The two parties couldn’t reach an agreement, the contract elapsed and Fox pulled its channels from the Cablevision lineup.


Fox then went a step further, temporarily making some of its online content unavailable to Cablevision subscribers.


Let us be clear what happened here.  The Content Provider (Fox) had prevented the Internet Service Provider (Cablevision) from access to its online content.


And after all, it is Fox’s property.  They paid a LOT of money for its creation, development and deployment – they can do with it whatever they wish.  They can offer it to whomever, or not offer it to anyone at all.  If they want to withhold some or all of it from some or all people, that is their prerogative – especially when they are not being paid for it.


It is here that the pro-Net Neutrality crowd jumped the intellectual shark.  Well, again.  They asserted that Fox – by not giving away their property online – was in violation of the Media Marxists’ warped definition of NN.


And that Fox’s “violation” served as further “justification” for Federal Communications Commission (FCC)-mandated Net Neutrality – and the radical, extra-lawful Internet power grab they have been demanding the FCC make so as to commandeer the authority necessary to enact and enforce it.


(An investment-devastating move which the FCC may very well execute as soon as November 30th.)


FCC Commissioner Michael Copps said in a statement:


For a broadcaster to pull programming from the Internet for a cable company’s subscribers, as apparently happened here, directly threatens the open Internet.


And Art Brodsky, Director of Communications for Public Knowledge, wrote:


Fox committed what should be considered one of the grossest violations of the open Internet committed by a U.S. company….


In this case, of course, it’s the content provider that was doing the blocking…. (B)ut it shouldn’t matter who is keeping consumers away from the lawful content….


If one values the open Internet, however, there should be rules against that sort of thing, whether the blocking is done by the ISP or by a content provider….


Yes, it would be nice if someone (like the FCC) could step in and tell Fox that it is unacceptable to block Internet content.


For years these Leftists have been vociferously insisting that the enemies of NN are the evil Internet Service Providers – who would allegedly block access to online fare.  And thusly Net Neutrality was required to stop them from so doing.


But by attempting to frame the Cablevision-Fox dispute in NN terms – by demanding that Fox give away its content to everyone – the pro-NN gaggle clearly demonstrates that this fight is not (just) about ACCESS to Internet content – it is about GOVERNMENT CONTROL of Internet content.


They seek to neutralize the Internet – by having the government control its content.


Of course, they have all along stridently asserted that Net Neutrality is not about this.


Right-wing media have falsely claimed that the net neutrality principle supported by the Obama administration is an attempt by the government to control Internet content. In fact, net neutrality does not mean government control of content on the Internet; rather, net neutrality ensures equal and open access for consumers and producers of content and applications…


But their demands of Fox clearly demonstrate that it is.


Yesterday, it was about access to content.  Today, it’s the government demanding content providers give away the products they produce.


Tomorrow, it will be the government demanding content providers pull from the Web the products they produce.  Shutting you up by insisting you shut it down.


After all, government control is government control.  Once they have it, they have it all the way.


How pathetically sad it is that the ACLU – the alleged champion of the First Amendment – has so readily sacrificed it on the altar of Leftist ideology.  And done so in such an intellectually vacuous fashion – the First Amendment protects us from GOVERNMENT censorship, not the actions of private companies or individuals.


To say that force feeding the nation Net Neutrality is a First Amendment imperative is both factually and morally bankrupt.





Heard any good jokes lately? This headline was making the internet rounds yesterday:



"Sen. Conrad: Extend All Tax Cuts; Time to Get 'Serious' About Deficit."



It's easy to see the humor in that. It's almost like saying you're serious about saving money but don't want to put any more pennies into the piggy bank. But here's what isn't so funny: Most reporters and politicians agree that Kent Conrad is "serious."



So-called "deficit hawks" like Conrad, Erskine Bowles, and Alan Simpson aren't just unserious. They're radicals. Their positions are an extreme departure from the philosophy of government that's guided American policy for a century. They're promoting an upward redistribution of wealth that would change the shape of our society forever. They're want to weaken a social contract that's existed since the Presidency of Franklin D. Roosevelt and dismantle the economic principles we've had since Teddy Roosevelt.



You can call it a joke if you want. But, to paraphrase Elvis Costello, it's got "a punchline you can feel."



Roger Hickey and I pointed out on Wednesday that most Americans (including most Republicans) oppose any cuts to Social Security benefits. They want the payroll tax cap lifted instead, which is a fiscally sound approach. But the Republican leadership would rather cut benefits than inconvenience the wealthy, and Democrats like Conrad agree. So the "serious" position in Washington is to split the difference between them.



What happens if you recommend the solution that most people (including most Republicans) want? People say you're an "extremist." No, seriously. And nothing you can do will change that. You can point out that Social Security is self funded and they'll roll their eyes. You can have the most qualified actuary in the nation prove that your solution works, and they'll never even acknowledge that your solution exists. (Peter Orszag and Alice Rivlin have both practiced this form of rebuttal by non-acknowledgement -- which seems to be the public policy equivalent of an Amish shunning.)



If all that makes you a little exasperated, they'll observe that you're not just an extremist, you're a shrill extremist. Which, of course, proves you're not "serious."



Consider this snippet of media repartee, captured by the always-serious Digby, about the Bowles/Simpson "deficit reduction" proposal:



JIM LEHRER: Well, Nancy Pelosi, speaker of the House, said, this is -- just right off the top, is unacceptable, right?

LORI MONTGOMERY (Washington Post): Simply unacceptable, that's exactly what she said.



There's an interesting dynamic developing ... Many of the members, except for the most liberal members, the champions of Social Security, are very reluctant to outright criticize this thing ...



They're calling it a serious effort, something that they have to respect ... It's like, you know: This is a serious plan .. these very extreme reactions are coming from the far end of the party, of each party. I think that there is a middle ground that is going to try to massage this thing, and -- and could bring this whole debate back to life...



In this clip a prominent journalist is saying that it's "serious" to solve the deficit problem by cutting a program that doesn't contribute to the deficit. She's lauding "serious" people for finding the "middle ground" -- between what the public doesn't want and what it really, really doesn't want. And she's marginalizing anyone who thinks otherwise as "extreme," "liberal", and from the "far end" of the party. (Remember: Most Republicans polled don't like this idea either.).



Then there's Jon Cowan of Third Way, who writes: "It's now time to put up or shut up, in short to lead or leave. This (the Erskine/Bowles proposal) is the first real leadership test for both parties in a divided capitol: will they embrace the Fiscal Commission recommendations, or cop out and pick the plan apart?"



Leaving aside the misstatement of fact -- the Bowles/Simpson proposal doesn't come from the "Fiscal Commission," a group that would never endorse such extreme positions -- let's consider the nature of this "leadership test." As the perpetually unserious Paul Krugman observes, this proposal "represents a major transfer of income upward, from the middle class to a small minority of wealthy Americans." This drain on middle-class income to benefit the wealthy is the through-line that links Bowles and Simpson to Conrad and the other so-called "deficit hawks." Jon Cowan's position is that this upward redistribution of wealth doesn't even warrant public debate, and that politicians who submit to it without protest have passed a "leadership test."



Now, as it happens I've met Jon Cowan. He's a very nice, very bright guy. But this is another example of the unserious nature of "serious" thinking in Washington. Pols must "put up or shut up" -- but it's not the public who decides what gets "put up." And if you speak up for what most people (including most Republicans) want, that's a "cop out." You're "picking the plan apart." C'mon now: Do you want to be a leader or a decision-dodging nitpicker?



I'm gonna have to go with "nitpicker." If that's the new term for representing the people's wishes and acting in their best interests, I'd say we need a lot more nitpickers in Washington.



None of this is really "serious." It's play-acting, dress-up. It's like wearing daddy's overlarge clothes and repeating how-mommy-talks-in-the-office words that sound important, even though you don't know what they mean. We're talking tough, we're making the hard decisions, we're rolling up our sleeves and getting to work. Except we're not doing any of those things. This radical position is becoming the new Washington consensus. Going along with the crowd is easy, comfortable, and convenient.



The problem isn't Lori Montgomery or Jon Cowan. They're probably driven by the best of motives: the desire to work together, to collaborate, to go beyond rigid ideological boundaries to solve problems. But collaboration and bipartisanship are means, not ends. They're ways of getting things done, not the things themselves. When a culture prizes the method more it does the results, it's gone astray.



The "unserious" truth is this: Simpson and Bowles, like Conrad, would accelerate an upward restribution of wealth that's already rolling ahead like a freight train. They'd pay for it by taking money out of the pockets of soldiers, lower- and middle-income college students, and the elderly. That's a debate we need to have, and it's not a "leadership test" to run from it.



So, you want to hear an old joke? A drunk goes into a restaurant and orders a cup of coffee and a bun. The waiter says "I'm sorry, sir, we're all out of buns." The drunk thinks for a second and says, "Okay, I'll have a cup of tea and a bun." The waiter says "Sorry, we're out of buns." The drunk says "Fine, I'll have a glass of orange juice and a bun." After a few more exchanges like this the waiter loses his temper: "How many times do I have to tell you we're out of buns? No buns! No buns! No buns!"



The drunk says "Jeez, pal, if you're going to get so upset I'll just have the bun."



These so-called "deficit hawks" are the drunk, the public is the waiter, and the "bun" is any policy that benefits the wealthy at the expense of middle- and lower-income people. No matter how many times voters say that's not on the menu, they're going to keep ordering it. And they may very well get it.



But seriously, folks.

______________________________________



Richard (RJ) Eskow, a consultant and writer (and former insurance/finance executive), is a Senior Fellow with the Campaign for America's Future. This post was produced as part of the Strengthen Social Security campaign. Richard also blogs at A Night Light.



He can be reached at "rjeskow@ourfuture.org."



Website: Eskow and Associates











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New Yorker&#39;s Music Critic Moves to <b>News</b> Corp.&#39;s Daily - NYTimes.com

Sasha Frere-Jones, a music critic at The New Yorker, will become the culture editor of The Daily, News Corporation's so-called iPad newspaper which is currently in development.

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...


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New Yorker&#39;s Music Critic Moves to <b>News</b> Corp.&#39;s Daily - NYTimes.com

Sasha Frere-Jones, a music critic at The New Yorker, will become the culture editor of The Daily, News Corporation's so-called iPad newspaper which is currently in development.

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...


benchcraft company scam

I sincerely hope followers of the Network Neutrality (NN) debate were wearing their seatbelts last week.  The pro-NN Media Marxists’ rapid lurch in position on the issue would otherwise have ensured full chiropractor employment for a pronounced period of time.



What led to this The-Ends-Justify-Any-Means-Necessary backflip is the Cablevision-Fox dustup over fees Cablevision pays Fox to retransmit the latter’s programming.  The two parties couldn’t reach an agreement, the contract elapsed and Fox pulled its channels from the Cablevision lineup.


Fox then went a step further, temporarily making some of its online content unavailable to Cablevision subscribers.


Let us be clear what happened here.  The Content Provider (Fox) had prevented the Internet Service Provider (Cablevision) from access to its online content.


And after all, it is Fox’s property.  They paid a LOT of money for its creation, development and deployment – they can do with it whatever they wish.  They can offer it to whomever, or not offer it to anyone at all.  If they want to withhold some or all of it from some or all people, that is their prerogative – especially when they are not being paid for it.


It is here that the pro-Net Neutrality crowd jumped the intellectual shark.  Well, again.  They asserted that Fox – by not giving away their property online – was in violation of the Media Marxists’ warped definition of NN.


And that Fox’s “violation” served as further “justification” for Federal Communications Commission (FCC)-mandated Net Neutrality – and the radical, extra-lawful Internet power grab they have been demanding the FCC make so as to commandeer the authority necessary to enact and enforce it.


(An investment-devastating move which the FCC may very well execute as soon as November 30th.)


FCC Commissioner Michael Copps said in a statement:


For a broadcaster to pull programming from the Internet for a cable company’s subscribers, as apparently happened here, directly threatens the open Internet.


And Art Brodsky, Director of Communications for Public Knowledge, wrote:


Fox committed what should be considered one of the grossest violations of the open Internet committed by a U.S. company….


In this case, of course, it’s the content provider that was doing the blocking…. (B)ut it shouldn’t matter who is keeping consumers away from the lawful content….


If one values the open Internet, however, there should be rules against that sort of thing, whether the blocking is done by the ISP or by a content provider….


Yes, it would be nice if someone (like the FCC) could step in and tell Fox that it is unacceptable to block Internet content.


For years these Leftists have been vociferously insisting that the enemies of NN are the evil Internet Service Providers – who would allegedly block access to online fare.  And thusly Net Neutrality was required to stop them from so doing.


But by attempting to frame the Cablevision-Fox dispute in NN terms – by demanding that Fox give away its content to everyone – the pro-NN gaggle clearly demonstrates that this fight is not (just) about ACCESS to Internet content – it is about GOVERNMENT CONTROL of Internet content.


They seek to neutralize the Internet – by having the government control its content.


Of course, they have all along stridently asserted that Net Neutrality is not about this.


Right-wing media have falsely claimed that the net neutrality principle supported by the Obama administration is an attempt by the government to control Internet content. In fact, net neutrality does not mean government control of content on the Internet; rather, net neutrality ensures equal and open access for consumers and producers of content and applications…


But their demands of Fox clearly demonstrate that it is.


Yesterday, it was about access to content.  Today, it’s the government demanding content providers give away the products they produce.


Tomorrow, it will be the government demanding content providers pull from the Web the products they produce.  Shutting you up by insisting you shut it down.


After all, government control is government control.  Once they have it, they have it all the way.


How pathetically sad it is that the ACLU – the alleged champion of the First Amendment – has so readily sacrificed it on the altar of Leftist ideology.  And done so in such an intellectually vacuous fashion – the First Amendment protects us from GOVERNMENT censorship, not the actions of private companies or individuals.


To say that force feeding the nation Net Neutrality is a First Amendment imperative is both factually and morally bankrupt.





Heard any good jokes lately? This headline was making the internet rounds yesterday:



"Sen. Conrad: Extend All Tax Cuts; Time to Get 'Serious' About Deficit."



It's easy to see the humor in that. It's almost like saying you're serious about saving money but don't want to put any more pennies into the piggy bank. But here's what isn't so funny: Most reporters and politicians agree that Kent Conrad is "serious."



So-called "deficit hawks" like Conrad, Erskine Bowles, and Alan Simpson aren't just unserious. They're radicals. Their positions are an extreme departure from the philosophy of government that's guided American policy for a century. They're promoting an upward redistribution of wealth that would change the shape of our society forever. They're want to weaken a social contract that's existed since the Presidency of Franklin D. Roosevelt and dismantle the economic principles we've had since Teddy Roosevelt.



You can call it a joke if you want. But, to paraphrase Elvis Costello, it's got "a punchline you can feel."



Roger Hickey and I pointed out on Wednesday that most Americans (including most Republicans) oppose any cuts to Social Security benefits. They want the payroll tax cap lifted instead, which is a fiscally sound approach. But the Republican leadership would rather cut benefits than inconvenience the wealthy, and Democrats like Conrad agree. So the "serious" position in Washington is to split the difference between them.



What happens if you recommend the solution that most people (including most Republicans) want? People say you're an "extremist." No, seriously. And nothing you can do will change that. You can point out that Social Security is self funded and they'll roll their eyes. You can have the most qualified actuary in the nation prove that your solution works, and they'll never even acknowledge that your solution exists. (Peter Orszag and Alice Rivlin have both practiced this form of rebuttal by non-acknowledgement -- which seems to be the public policy equivalent of an Amish shunning.)



If all that makes you a little exasperated, they'll observe that you're not just an extremist, you're a shrill extremist. Which, of course, proves you're not "serious."



Consider this snippet of media repartee, captured by the always-serious Digby, about the Bowles/Simpson "deficit reduction" proposal:



JIM LEHRER: Well, Nancy Pelosi, speaker of the House, said, this is -- just right off the top, is unacceptable, right?

LORI MONTGOMERY (Washington Post): Simply unacceptable, that's exactly what she said.



There's an interesting dynamic developing ... Many of the members, except for the most liberal members, the champions of Social Security, are very reluctant to outright criticize this thing ...



They're calling it a serious effort, something that they have to respect ... It's like, you know: This is a serious plan .. these very extreme reactions are coming from the far end of the party, of each party. I think that there is a middle ground that is going to try to massage this thing, and -- and could bring this whole debate back to life...



In this clip a prominent journalist is saying that it's "serious" to solve the deficit problem by cutting a program that doesn't contribute to the deficit. She's lauding "serious" people for finding the "middle ground" -- between what the public doesn't want and what it really, really doesn't want. And she's marginalizing anyone who thinks otherwise as "extreme," "liberal", and from the "far end" of the party. (Remember: Most Republicans polled don't like this idea either.).



Then there's Jon Cowan of Third Way, who writes: "It's now time to put up or shut up, in short to lead or leave. This (the Erskine/Bowles proposal) is the first real leadership test for both parties in a divided capitol: will they embrace the Fiscal Commission recommendations, or cop out and pick the plan apart?"



Leaving aside the misstatement of fact -- the Bowles/Simpson proposal doesn't come from the "Fiscal Commission," a group that would never endorse such extreme positions -- let's consider the nature of this "leadership test." As the perpetually unserious Paul Krugman observes, this proposal "represents a major transfer of income upward, from the middle class to a small minority of wealthy Americans." This drain on middle-class income to benefit the wealthy is the through-line that links Bowles and Simpson to Conrad and the other so-called "deficit hawks." Jon Cowan's position is that this upward redistribution of wealth doesn't even warrant public debate, and that politicians who submit to it without protest have passed a "leadership test."



Now, as it happens I've met Jon Cowan. He's a very nice, very bright guy. But this is another example of the unserious nature of "serious" thinking in Washington. Pols must "put up or shut up" -- but it's not the public who decides what gets "put up." And if you speak up for what most people (including most Republicans) want, that's a "cop out." You're "picking the plan apart." C'mon now: Do you want to be a leader or a decision-dodging nitpicker?



I'm gonna have to go with "nitpicker." If that's the new term for representing the people's wishes and acting in their best interests, I'd say we need a lot more nitpickers in Washington.



None of this is really "serious." It's play-acting, dress-up. It's like wearing daddy's overlarge clothes and repeating how-mommy-talks-in-the-office words that sound important, even though you don't know what they mean. We're talking tough, we're making the hard decisions, we're rolling up our sleeves and getting to work. Except we're not doing any of those things. This radical position is becoming the new Washington consensus. Going along with the crowd is easy, comfortable, and convenient.



The problem isn't Lori Montgomery or Jon Cowan. They're probably driven by the best of motives: the desire to work together, to collaborate, to go beyond rigid ideological boundaries to solve problems. But collaboration and bipartisanship are means, not ends. They're ways of getting things done, not the things themselves. When a culture prizes the method more it does the results, it's gone astray.



The "unserious" truth is this: Simpson and Bowles, like Conrad, would accelerate an upward restribution of wealth that's already rolling ahead like a freight train. They'd pay for it by taking money out of the pockets of soldiers, lower- and middle-income college students, and the elderly. That's a debate we need to have, and it's not a "leadership test" to run from it.



So, you want to hear an old joke? A drunk goes into a restaurant and orders a cup of coffee and a bun. The waiter says "I'm sorry, sir, we're all out of buns." The drunk thinks for a second and says, "Okay, I'll have a cup of tea and a bun." The waiter says "Sorry, we're out of buns." The drunk says "Fine, I'll have a glass of orange juice and a bun." After a few more exchanges like this the waiter loses his temper: "How many times do I have to tell you we're out of buns? No buns! No buns! No buns!"



The drunk says "Jeez, pal, if you're going to get so upset I'll just have the bun."



These so-called "deficit hawks" are the drunk, the public is the waiter, and the "bun" is any policy that benefits the wealthy at the expense of middle- and lower-income people. No matter how many times voters say that's not on the menu, they're going to keep ordering it. And they may very well get it.



But seriously, folks.

______________________________________



Richard (RJ) Eskow, a consultant and writer (and former insurance/finance executive), is a Senior Fellow with the Campaign for America's Future. This post was produced as part of the Strengthen Social Security campaign. Richard also blogs at A Night Light.



He can be reached at "rjeskow@ourfuture.org."



Website: Eskow and Associates











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New Yorker&#39;s Music Critic Moves to <b>News</b> Corp.&#39;s Daily - NYTimes.com

Sasha Frere-Jones, a music critic at The New Yorker, will become the culture editor of The Daily, News Corporation's so-called iPad newspaper which is currently in development.

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...


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Emergency Cash Generators www.JWCantrell.com/emergency.html by jwcantrell28


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New Yorker&#39;s Music Critic Moves to <b>News</b> Corp.&#39;s Daily - NYTimes.com

Sasha Frere-Jones, a music critic at The New Yorker, will become the culture editor of The Daily, News Corporation's so-called iPad newspaper which is currently in development.

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...


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New Yorker&#39;s Music Critic Moves to <b>News</b> Corp.&#39;s Daily - NYTimes.com

Sasha Frere-Jones, a music critic at The New Yorker, will become the culture editor of The Daily, News Corporation's so-called iPad newspaper which is currently in development.

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...


benchcraft company scam

New Yorker&#39;s Music Critic Moves to <b>News</b> Corp.&#39;s Daily - NYTimes.com

Sasha Frere-Jones, a music critic at The New Yorker, will become the culture editor of The Daily, News Corporation's so-called iPad newspaper which is currently in development.

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...


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