Spending Diary | Track Spending
http://www.spendingdiary.com/

in these dire times it's good to know on what you spend so damn much money!

To paraphrase one shopping expert, nearly everyone wants better deals on everything these days. Craigslist is a great place to get those deals, and you don't have to be a jerk to get them.

To paraphrase one shopping expert, nearly everyone wants better deals on everything these days. Craigslist is a great place to get those deals, and you don't have to be a jerk to get them.

google docs trick for creating personal finance in gmail.

ChairmanBruce:

2009 Will Be a Year of Panic

Intellectual property made sense and used to work rather well when conditions of production favored it. Now they don't. If it's simple to copy just one single movie, some gray area of fair use can be tolerated. If it becomes easy to copy a million movies with one single button-push, this vast economic superstructure is reduced to rags. Our belief in this kind of "property" becomes absurd.

Before the credit crisis, the world was awash with money. Now central banks are pumping in more than ever before and still everyone is short. Dan Roberts explains the illusion of wealth.

Recession spending by sector (US)

The spending data is cool, but it's largely meaningless to use for any decision-making about the state of the economy.

"Mint.com is in a unique position to answer this question – quantitatively. Since the crisis first hit in September, our user registration rate has more than quadrupled, giving us 900,000 sample points on the economy. That’s close to 1% of US households."

The average customer: "are spending $400 less each month than they were a year ago, have burned through half of their savings, and on average have taken on an additional $5k in debt."

Aaron Patzer

site value calculator

Intressant om affärsmodeller i gratisekonomin.

abreast

Another interesting blog. Mostly because it doesn't look like one! Really great use of categorization, images, and interactive elements (like polls).

Did you like it? So...

jQuery Price Format Plugin

share

http://clusterstock.alleyinsider.com/2009/2/aig-implodes-the-two-cows-version

The goal of giving form to a complex situation like the credit crisis is to quickly supply the essence of the situation to those unfamiliar and uninitiated. This project was completed as part of my thesis work in the Media Design Program, a graduate studio at the Art Center College of Design in Pasadena, California. For more on my broader thesis work exploring the use of new media to make sense of a increasingly complex world, visit my website here. or email me at: jonathan.jarvis@gmail.com

This short ten-minute video conveys the essentials of how the credit crisis occurred. It's a great example of information that is be explained using the smallest amount of words and images. It takes something both large and complex and personalizes/simplifies it for the lay audience. If you're looking for tips when putting together a presentation for non-scientists, this is a great resource to look toward for inspiration.

The goal of giving form to a complex situation like the credit crisis is to quickly supply the essence of the situation to those unfamiliar and uninitiated.

The goal of giving form to a complex situation like the credit crisis is to quickly supply the essence of the situation to those unfamiliar and uninitiated. This project was completed as part of my thesis work in the Media Design Program, a graduate studio at the Art Center College of Design in Pasadena, California. For more on my broader thesis work exploring the use of new media to make sense of a increasingly complex world

obama's fc plan

obama plan website

A few weeks ago Obama's new secretary or treasury Tim Geitner unveiled the outlines of a plan to fix the financial crisis in our Country. One of the problems with these massive plans from the government is that citizens want to know exactly where their money is going. This is the treasury secretary's answer to that problem this site will document where all the money for the proposed plan will be documented and will be able to track.

Obama run site to track stimuls package spending

Great little animation that explains why the credit markets have frozen.

The Short and Simple Story of the Credit Crisis. Crisisofcredit.com The goal of giving form to a complex situation like the credit crisis is to quickly supply the essence of the situation to those unfamiliar and uninitiated. This project was completed as part of my thesis work in the Media Design Program, a graduate studio at the Art Center College of Design in Pasadena, California. For more on my broader thesis work exploring the use of new media to make sense of a increasingly complex world, visit jdjarvis.com.

Astute, approachable, and just plain pretty animated explanation of our current economic situation. Oh, and did I mention INCREDIBLY FRIGHTENING!? Once you realize how simple, and thus fundamental, the underlying problems are, it becomes very difficult to believe in a quick or easy fix. Now, back to stuffing my remaining cash into my mattress...

What do you do if you don't have the money to pay a debt? If you are like most of us, you borrow. The US Government is no different. In order to pay for the $700 billion bailout, it will have to borrow more money, increasing the national debt. But who will pay for this massive bailout? If you are a US taxpayer, you will. Here is a visual guide to understanding how the bailout is funded and a couple of financial experts take on how it could be funded.

What do you do if you don’t have the money to pay a debt? If you are like most of us, you borrow. The US Government is no different. In order to pay for the $700 billion bailout, it will have to borrow more money, increasing the national debt. But who will pay for this massive bailout? If you are a US taxpayer, you will.

A nice graphic showing how the Bailout is being funded

listed on popular bkmarks

"In the mid-'80s, Wall Street turned to the quants—brainy financial engineers—to invent new ways to boost profits. Their methods for minting money worked brilliantly... until one of them devastated the global economy."

gawker huffington post

GigaOm

The Nobel winning formula

Great explanation of the credit crisis...

The Short and Simple Story of the Credit Crisis. By Jonathan Jarvis.

Information and Aesthetic. Nice.

When it comes to money, the best defense is a good offense. The best way to avoid fallout from the national economy is to take control of your personal economy. By developing smart financial habits, you can remain calm even in the midst of a financial crisis. (Well, mostly calm, anyhow.)

Compare and discuss the %age budget breakdowns.

JD, writing at Zen Habits.

Tips For Students with a Bachelors in Computer Science

1143

rson whom auto salespeople want to persuade to buy an expensive car. You can afford something fancy ($35K+ car), but don’t do it. For one thing, ex

Raising money is never easy, but in a recession it gets even harder. Here's a quick guide to raising money in a down economy.

Start a business

Lean startups - a lesson in bootstrapping.

個人の仕事売買マーケットプレイス

Fake stockmarket to learn how it works

stockmarketfortherestofus weseed.com

virtual stocks

waive

an interesting blog post on how banks set credit card limits

Today, we are bailing out the banks because of their greedy and deceptive lending practices in the mortgage industry. But this is just the tip of the iceberg. More is coming, I’m sorry to say. Layoffs are being announced nationwide in the tens of thousands. As people begin to lose their jobs, they will not be able to pay their credit card bills either. And the banks will be back for more handouts.

The Worst Is Yet To Come: Anonymous Banker Weighs In On The Coming Credit Card Debacle

One is that the financial press isn’t in the business of supplying useful information; it’s in the business of feeding people’s lust for predictions. “You keep buying the magazine regardless of how the forecasts turn out,” Wellington says, “and they’ll keep supplying the forecasts.”

Blaine Lourd got rich picking stocks. But then he realized that everything he thought he knew about the markets was wrong. And he's not alone.

As a group, professional money managers control more than 90 percent of the U.S. stock market. By definition, the money they invest yields returns equal to those of the market as a whole, minus whatever fees investors pay them for their services. This simple math, you might think, would lead investors to pay professional money managers less and less. Instead, they pay them more and more

Like a lot of people who end up on Wall Street, Blaine Lourd just sort of stumbled in. He'd grown up happy in New Iberia, Louisiana. His father had made a pile of money in the oil patch, and Blaine assumed that he too would one day eat four-hour lunches at the Petroleum Club, hunt ducks on the weekends, and get rich. His older brother, Bryan, had left Louisiana to make what seemed like a quixotic bid to become a Hollywood agent, but Bryan was gay, even if he pretended not to be. (He's now a partner at Hollywood's Creative Artists Agency.) Blaine was distinctly not gay and felt right at home in Louisiana—right up to the moment when, during his third year at Louisiana State University, the price of oil collapsed and took the family business with it. That was when he realized he had no idea what he would do with his life.

The markets are roiling, money managers & banks are posting disappointing returns, and people are beginning to wonder if they chose the wrong guy in Greenwich to take 2% of their assets and 20% of profits. But what if the problem isn’t the guy but the idea that makes him possible: the belief that the best way to invest capital is to hand it to an expert? As a group, professional money managers control more than 90% of the US stock market. By definition, the money they invest yields returns equal to those of the market as a whole less the fees investors pay them for their services. This simple math, you might think, would lead investors to pay professional money managers less and less. Instead, they pay them more and more. "If you put a thousand people in barrels and push them over Niagara Falls, some of them will survive. If you take those guys and push them over again, some of them will survive. And they’ll write books about how to survive being pushed over Niagara Falls in a barrel."

FTA: 'Blaine Lourd got rich picking stocks. But then he realized that everything he thought he knew about the markets was wrong. And he's not alone.' (note: Dec. 2007 issue!)

Life at Wal-Mart

Wal*Mart isn't the devil? <gasp>

How about a different opinoin on those Wal-Mart jobs.

he seems surprised that the people who work at WalMart aren't ogres, and he completely ignores the fact that the writings about conditions at WM may have led to the improvements that he sees

DIY for the house

The best why-didn't-I-think-of-that ideas for shrinking your household expenses

Discount yahooyahooyahoo yahoo financeyahoo

as the name says, wonder if i will be able to even get a dollar

"Photography is a hard business to break into, especially the upper brackets. But the internet does make it possible to earn a few dollars off of your photos — especially if you’ve found some great shots. More and more people have what amount to high-quality digital cameras these days and, if you’re one of them, at least a few of your photos may be able to make you a little money as stock photos. There are many sites that will allow you to upload your photos and sell them as stock photography."

Property values are down, times are tough, and the Wall Street Journal details how to use the current economic situation to significantly reduce your rent with this simple fill-in-the-blank letter to your landlord. Photo by Editor B. WSJ's Mary Pilon and her roommates were none too pleased to discover that their new neighbors had secured a lease for $300 less than their lease, while they received a $100/month hike in their rent. After sending the letter below to her landlord, Pilon shaved $300 off her rent.

Property values are down, times are tough, and the Wall Street Journal details how to use the current economic situation to significantly reduce your rent with this simple fill-in-the-blank letter to your landlord.

Several weeks ago, we took a look at the founders’ pie. I noted that frequently the founding team divides 100% by the number of founders. I also cautioned that this is the WRONG WAY! I then went on to identify the factors that should be considered when making these decisions. Since then, I have had several people tell me that while what I wrote certainly made sense, it wasn’t very helpful. They said that when it came to “rug cutting time,” absent an alternative method, equal shares was the only method that seemed to be “fair.” As a public service, I have “invented” a Founders’ Pie Calculator. As you will soon see, this calculator is not particularly profound. In fact, I’m sure I haven’t “invented” it, but, at the same time, I have never seen it before. [Caution: perhaps there’s a fatal flaw that I haven’t considered.] Its primary benefits are that it provides a way to quantify the elements of the decision making process, and that it appears to be logical and fair.

Equity Calculation between founders

fun

Recently I made a post on BHW with this adsense screenshot and lots of people wanted to know how it's done. here's how it's done: I start with keyword lists from adsenseheaven dot com which guesstimates the most expensive keywords to bid on in the PPC AdWords side of the Google ad world. I generally ignore the top 1000, as they are very competitive and saturated. I am not concerned with the top payouts. I store this data every month in a mySQL database with the previous months data, and over time I am able to see which phrases are consistently in the lists and unlikely to disappear. I call them long term performers. I cross check each phrase with the number of pages currently indexed in google, to see how much competition there is for a each key phrase. It's usually easier to land a top 10 first page SERP position if there is less competition for the phrase. I also cross check each phrase with google trends data which has an RSS feed which is also collected and stored in a

Really interesting article

The blog of a guy learning to survive in an uncertain world future. Interesting reading.

terest rates have dropped by 1% from your current mortgage. As always, use t

handy

Get Rich Slowly — recently named most inspiring money blog by Money magazine — is devoted to sensible personal finance. You will not find any get-rich-quick schemes here. Nor will you find multi-level marketing fads or hot stock tips. I am not pitching any product or book. Instead, you’ll find daily information about personal finance and related topics. I share stories about debt elimination, saving money, and practical investing. I also post occasional reviews of books, magazines, and software. And, of course, I scour the web for the latest personal finance tools and articles. Please note that I am not a financial professional. I’m just an average guy who found himself deep in debt. When it finally became too overwhelming, I began reading personal finance books, hoping to find answers. I wanted swift solutions to my problems. My research revealed that few people get rich quickly, but almost anyone can get rich slowly by patiently following some simple rules.

Some people were born to haggle, negotiate, cajole, whatever you call it. The rest of us need some guidance. Here are 10 great negotiating tactics to use next time you want to get more for less.

Unemployed (or Preparing to Be)? These Sites Could Be Your Best Friends

We found a battery of new sites and services--such as LinkedIn JobsInsider, Recessionwire, and Uberi.com--dedicated to providing the kind of cost-cutting, job-search, and moral-support tools that can be invaluable during lean times.

6 Fool-Proof Steps to Make More Money With Your Website

Every website has a bunch of web pages which get more search traffic than others. These pages are constantly visited daily by new visitors, people who have never seen the site in question before. I call these ‘money pages’ because they are a reliable source of immediate and future income. But they’re not just ‘money’ because they bring in revenue: they are one of the easiest ways to grow your audience without much work. If you learn how to optimize these money pages (its not hard to do), you’ll really improve your website in so many ways. More revenue, more members, more influence and authority. Doesn’t that sound good?

Merchant account

test

Describe the pain of getting a merchant account with a bank. Give some tips on how to do it.

"guide to obtaining a merchant account, from the cash-strapped start-up’s point of view". chargebacks, 3D-secure, AVS/CV2, PCI-DSS. Start the process early; Apply to several banks; Exaggerate your volumes (realistically); Know all about fraud; Be serious to ensure the bank feels you’re a trustworthy business; Read the fine print and negotiate the terms.

Want free furniture, a place to stay, or even a bike? Thanks to the Internet, it's fairly easy to find a wide variety of free products and services.

referência de como oferecer produtos gratuitos.

Sweet!

Online Coupons Search

Coupon Search

Receive credit card payments on the iPhone

You set it up by linking it to your PayPal or Authorize.net merchant account, and then you can just hand it to a customer to type in their credit card number and amounts. I can imagine this being super-useful for all sorts of in-home service situations. [via @dthompson]

Transactions makes credit card processing away from the home or office effortless. Using two of the most popular payment gateways in the world Transactions allows anyone to easily accept credit cards. Great for delivery services, in home contracting or consulting, flea markets, garage sales, trade shows, or anywhere payments are needed away from a computer

But Not Until At Least 2011

I had a surprisingly candid lunch conversation last week with a big music label executive, and part of our talk focused on the future of music. I asked the usual question: Why are you guys so damned clueless? Your business is disintegrating before your eyes, and all you do is go for short term cash gains (lawsuits, mafia-style collection rackets from venture backed music startups, etc.). The long term costs are horrendous - an entire generation or two of young music lovers feel no remorse at outright stealing music. Particularly since most online streaming is now free, it’s hard to understand why downloading or sharing songs should be a crime. His response: It’s all part of a master plan. The labels fully understand that recorded music, streamed or downloaded, is going to be free in the future (we’ve argued this relentlessly). CD sales continue to decline by 20% per year, and the only thing that’ll stop that trend is when those sales reach zero. Nothing will replace those revenues.

I had a surprisingly candid lunch conversation last week with a big music label executive, and a good part of our talk focused on the future of music. I asked the usual question: Why are you guys so damned clueless? Your business is disintegrating before your eyes, and all you do is go for short term cash gains (lawsuits, mafia-style collection rackets from venture backed music startups, etc.). The long term costs are horrendous - an entire generation or two of young music lovers feel no remorse at outright stealing music. Particularly since most online streaming is now free, it’s hard to understand why downloading or sharing songs should be a crime.

Weil Papageien teure Geheimnisse haben.

I just link this to make me feel better.

So, my best advice is to say, "Today, right now, your contribution is worth 5% of the company and my creation of the company is worth 5%. The other 90% is based on what each of us does over the next 18 months. Here's a list of what has to get done, and what we agree it's worth..."

my best advice is to say, "Today, right now, your contribution is worth 5% of the company and my creation of the company is worth 5%. The other 90% is based on what each of us does over the next 18 months. Here's a list of what has to get done, and what we agree it's worth..."

Viral Marketing Guru

An overview of how to set up your accounts to allow automation to help you manage your money better. Also contains scripts for negotiating with companies about financial matters, e.g. waiving late fees.

** Posted using Viigo: Mobile RSS, Sports, Current Events and more **

Google Ventures seeks to discover and grow great companies - we believe in the power of entrepreneurs to do amazing things. We're studying a broad range of industries, including consumer Internet, software, hardware, clean-tech, bio-tech and health care. We invest anywhere from seed to mezzanine stage and embrace the challenge of helping young companies grow from the garage to global relevance.

Venture Capital - by Google. We seek to discover and grow great companies - we fundamentally believe in the power of entrepreneurs to do amazing things.

The crash has laid bare many unpleasant truths about the United States. One of the most alarming, says a former chief economist of the International Monetary Fund, is that the finance industry has effectively captured our government—a state of affairs that more typically describes emerging markets, and is at the center of many emerging-market crises. If the IMF’s staff could speak freely about the U.S., it would tell us what it tells all countries in this situation: recovery will fail unless we break the financial oligarchy that is blocking essential reform. And if we are to prevent a true depression, we’re running out of time.

But I must tell you, to IMF officials, all of these crises looked depressingly similar. Each country, of course, needed a loan, but more than that, each needed to make big changes so that the loan could really work. Almost always, countries in crisis need to learn to live within their means after a period of excess—exports must be increased, and imports cut—and the goal is to do this without the most horrible of recessions. Naturally, the fund’s economists spend time figuring out the policies—budget, money supply, and the like—that make sense in this context. Yet the economic solution is seldom very hard to work out. No, the real concern of the fund’s senior staff, and the biggest obstacle to recovery, is almost invariably the politics of countries in crisis. Typically, these countries are in a desperate economic situation for one simple reason—the powerful elites within them overreached in good times and took too many risks. Emerging-market governments and their private-sector

The crash has laid bare many unpleasant truths about the United States. One of the most alarming, says a former chief economist of the International Monetary Fund, is that the finance industry has effectively captured our government—a state of affairs that more typically describes emerging markets, and is at the center of many emerging-market crises.

"In its depth and suddenness, the U.S. economic and financial crisis is shockingly reminiscent of moments we have recently seen in emerging markets (and only in emerging markets): South Korea (1997), Malaysia (1998), Russia and Argentina (time and again). In each of those cases, global investors, afraid that the country or its financial sector wouldn’t be able to pay off mountainous debt, suddenly stopped lending. And in each case, that fear became self-fulfilling, as banks that couldn’t roll over their debt did, in fact, become unable to pay."

A former head of the IMF offers an insightful and alarming look at how the United States has been hijacked by a cabal of rotten financiers.

Why Your Friends Don’t Save Money, Eat Healthier, or Clean Their Garages

Business tips on how to stop wasting time. Create efficiencies.

Joel Spolsky on salaries

economia

visual guide

Surprise: there's never been a better moment to bootstrap your own Internet business. All you need is a laptop, a broadband connection and a great idea. Inside the new start-up boom

Each of these ideas is very simple to start, and most can be done as a sole proprietorship at first (meaning you don’t have to file any legal documents to get started, though you will want to do that if it starts to take off). Most of these can be done at home in your spare time in your spare space, too. Ready? See if there are any ideas below that fit you well. If you find an idea, seek out a guide on how to get started in that area.

cool visual on where tax dollars are spent

How to make money with a blog

How I replaced my day-job with earnings from this blog In less than 2 years I went from not knowing what a blog was to making more with one than my corporate desk job.

coolll

Great foresight from the guy who tried to beat the poker pros

While the nation's lenders ran amok during the boom, Andy Beal hoarded his money. Now he's cleaning up - with scant help from Uncle Sam.

Andy Beal, a 56-year-old, poker-playing college dropout, is a one-man toxic-asset eater--without a shred of government assistance. Beal plays his cards patiently. For three long years, from 2004 to 2007, he virtually stopped making or buying loans. While the credit markets were roaring and lenders were raking in billions, Beal shrank his bank's assets because he thought the loans were going to blow up. He cut his staff in half and killed time playing backgammon or racing cars. He took long lunches with friends, carping to them about "stupid loans." His odd behavior puzzled regulators, credit agencies and even his own board. They wondered why he was seemingly shutting the bank down, resisting the huge profits the nation's big banks were making. One director asked him: "Are we a dinosaur?"

1. How will you reach a massive audience? - Every Net entrepreneur should answer these questions: How do we get to one million users? Then how do we get to 10 million users? Then how will you get deep engagement by your users. 2. What is your unique value proposition? 3. Will your business be capital efficient?

ages. How does a company rise above the noise to attract massive discovery and adoption? YouTube did it through existing channels like MySpace, which already reached millions. Yelp had strong SEO, which found them a mass audience searching for restaurants and nightlife. Facebook’s University-centric approach landed them 80% adoption across a campus within 60 days of launch. Every Net entrepreneur should answer these questions: How do we get to one million users? Then how do we get to 10 million users? Then how will you get deep engagement by your users.

to read

How Rich Countries Die

This is a book report on The Rise and Decline of Nations: Economic Growth, Stagflation, and Social Rigidities, by Mancur Olson. There isn’t a whole lot about how nations pulled themselves out of their medieval stagnation (see A Farewell to Alms for that), so a better title for this still-in-print book from 1982 would be “How Rich Countries Die.”

Money Manager

Another personal finance site. The company was not accepted by a Dutch bank as thay are not doing the core business, so they funded a start-up similar to wesabe or buxfer.

quash

A personal finance blog focusing on ordinary people dealing with unprecedented levels of debt.

doesn’t work) A long time ago, I wrote a very popular post entitled “Everything You Ever Really Needed to Know About Personal Finance on the Back of Five Business Cards“. After posting it, several people contacted me and suggested that I try to turn it into a book of some sort. Over the following year, I tossed the idea around and eventually developed it into a fifty page short book, intending to use it to shop around to various book publishers. I incorporated a lot of original writing, pieces of various Simple Dollar posts, and lots of other interesting elements.

financial crisis: You have a dog, and I have a cat. We agree that they are each worth a billion dollars. You sell me the dog for a billion, and I sell you the cat for a billion. Now we are no longer pet owners, but Icelandic banks, with a billion dollars in new assets. "They created fake capital by trading assets amongst themselves at inflated values,"

If you’re feeling the pinch in your paycheck, you may or may not feel comfortable going back to school right now, even if it can help your career prospects in the long run. You can, however, visit iTunes U for free access to helpful courses that will enlighten you to the state of the economy, inspire you to start your own business, and give you a little more perspective on what you should be doing with your money. Economic Principles Review the basics of economics here. 1. What’s the point of economics?: Learn why the study of economics is still relevant today. [University of Cambridge] 2. Microeconomic Analysis: Learn all about resource allocation and price determination in this course. [UC Berkeley] 3. Trade and Economics: This lecture will teach you all about the role of trade in economics. [CSIS] 4. Principles of Macroeconomics: This lecture will help you understand the principles of macroeconomics. [Rose State College] 5. Statistics: This course teaches the funda

Entrepreneur Lectures from Oxford

Stores are violating their contract with the credit card companies if they set minimum or maximum charges, or force you to show ID in addition to your credit card (with the obvious exception being for age-limited purchases). Depending on your state and your card issuer, surcharges or "convenience fees" may be banned as well. The best way to straighten these guys out is to report them to the credit card company. [US Info]

So awesome.

ant must not require, or post signs indicating that it requires, a minimum or maximum transaction ammount to accept a

Apparently it's against Visa's policy to require ID.

הסבר ויזאולי על אינפלציה

Online resources to help manage money

A photo collection of emergency currency issued by towns in Germany.

My wife's grandfather collected thousands of bills produced by the different towns and companies to make front to deflation first and inflation later and provide certain stability to workers and residents."Notgeld" (emergency currency) was provided by cities, boroughs, or even private companies while there was a shortage of official coins and bills.

La idea es ingresar pequeñas cantidades de dinero, ya que el coste de gestión de éstas es muy superior a la cantidad...

Pirate Bay founder Gottfrid Svartholm (aka anakata) recieved a bill for the 30 million SEK that he, along with Peter Sunde (aka brokep), Fredrik Neij (aka TiAMO), and Carl Lundstrom, was fined in the verdict of the Pirate Bay trial just over three weeks ago. The bill inspired anakata to devise a plan involving sending money to Danowsky’s law firm, but not to pay the fine of course which they say will never be payed. Anakata’s clever plan is called internet-avgift, internet-fee in English. Anakata encourages all Internet users to pay extremely small sums around 1 SEK (0.13 USD) to Danowsky’s law firm, which represented the music companies at the Pirate Bay trial. The music companies will not benefit from this, instead it will cost them money to handle and process all the money.

I can give my two cents six and a half times over! http://tinyurl.com/pbwcks [from http://twitter.com/eronarn/statuses/1767170396]

Pirate Bay founder Gottfrid Svartholm (aka anakata) recieved a bill for the 30 million SEK that he, along with Peter Sunde (aka brokep), Fredrik Neij (aka

hat they wish they could do more of, and the answer is literally always the same: “I wish I could travel more.” Yet when you remove all the excuses, few people actually do. I don’t have enough vacation days! It’s too expensive. My friends don’t want to go with me.

外国投资人购买美国国债情况一览表

Treasury Stats on holders of US debt

Thailand ranked high

Foreign-held U.S. treasury debt

MAJOR FOREIGN HOLDERS OF TREASURY SECURITIES

China our wingman with 750 billion in Treasury Bills.

of

emergency planning lifehacks preparedness disaster

While researching investment strategies for my retirement savings, I’ve been reading a lot of books. There are hundreds of authors offering thousands of tips for turning a small pile of gold into a big pile of gold. Sometimes it’s difficult to tell whose advice to heed. To be honest, I find the simplest investment strategies most appealing. I just finished reading Paul Farrell’s The Lazy Person’s Guide to Investing, for example, and I found myself drawn to the “lazy portfolios” he describes. Lazy portfolios are collections of index funds. Because these portfolios are balanced — they contain stocks and bonds — they mitigate risk while providing excellent returns. Best of all, they take very little time to maintain. Reminder: An index fund is a low-cost mutual fund designed to mimic the movement of a specific market index. A Vanguard 500 index fund (like VFINX), for example, tracks the performance of the S&P 500. The chief virtue of index funds is that, over the long-term, they deliver

salary negotiations

Author compares prices of store-bought to homade bagles, cream cheese, yogurt, granola, crackers, and jam. (ignoring time spent)

I love thisn program.

CC processing

Turn your iPhone into a mobile virtual terminal for charging customers’ credit cards. Deal with declined cards on-site as services are rendered. No special hardware required, just your iPhone (or iPod Touch with the 2.0 firmware update).

online expense tracking

Keeping up momentum in a tough market and tough times

I connected deeply with this blog post by Mark Cuban, very inspiring personally. Favorite line: "The cheaper you can live, the greater your options. Remember that."

Protecting your family from financial disasters is one of the fundamental components of financial planning. Life insurance should be a core part of that planning process. This article is a basic primer on life insurance, which should introduce you to the concept and give you an idea of how life insurance works.

INSURANCE

This article is a basic primer on life insurance, which should introduce you to the concept and give you an idea of how life insurance works.

Dresden Dolls - "why not tell people and do this in a warehouse instead of a hotel lobby or a blank studio? so i did. it cost me almost nothing. the fans were psyched." - prior exposure note the comments

Musicians making money really cool site

shopping automotive

What to be wary of when you’re negotiating your next new-car purchase.

Matt Taibbi on how Goldman Sachs has engineered every major market manipulation since the Great Depression

How Goldman Sachs Has Engineered Every Major Market Manipulation Since the Great Depression" The first thing you need to know about Goldman Sachs is that it's everywhere. The world's most powerful investment bank is a great vampire squid wrapped around the face of humanity, relentlessly jamming its blood funnel into anything that smells like money.

They use the same playbook over and over again: Goldman positions itself in the middle of a speculative bubble, selling investments they know are crap. When it all goes bust, leaving millions of ordinary citizens broke and starving, they begin the entire process over again.

If you’re 45 years or more you may consider retiring to Belize. The Retired Person’s Incentive Program may allow you to live a tax free lifestyle which should definitely help you saving up a few bucks.

(If it gets really bad...we might consider this!)

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A professor, university president, personal finance columnist, and economist debate...

Bringing people together to save energy and money

Hohm

Source: Consumer expenditures, U.S. department of Labor, U.S. Bureau of Labor Statistics, April 2009

Durchschnittsverbrauch eines US-Amerikaners

Over the past couple months, I've spent a bit of time looking at Flash gaming on web portals like Kongregate and Newgrounds. There are over 14,000 games spread across 30,000 portals with hundreds of new games coming out every month. The output alone is amazing. Let me cut to the chase. I think that you, Flash game developers, are some of the most talented and inspirational people working today in game development. Your passion for building games burns so incredibly brightly. Your ability to quickly make and distribute games is second to none. You hold immense potential to transform the future of games.

Ads are a really crappy revenue source For a recent game my friend Andre released, 2 million unique users yields around $650 from MochiAds. This yields an Average Revenue Per User (ARPU) of only $0.000325 per user. Even when you back in the money that sponsors will pay, I still only get an ARPU of $0.0028 per user. In comparison, a MMO like Puzzle Pirates makes about $0.21 per user that reaches the landing page (and $4.20 per user that registers) What this tells me is that other business models involving selling games on the Internet are several orders of magnitude more effective at making money from an equivalent number of customers. When your means of making money is 1/100th as efficient as money making techniques used by other developers, maybe you've found one big reason why developers starve when they make Flash games.

In order to understand why this promising game platform is such a surprising dissapointment, we'll look at Flash games from three perspectives: * Chapter 2 - Making money: How do Flash developers currently make money. * Chapter 3 - Generating value: How Flash developers currently create 'valuable' game for their players? * Chapter 4 - Reaching customers: How developers currently reach their players. * Chapter 5 - Premium Flash games as a service: A mental model for understanding the new world of web gaming.

The poorer you are, the more things cost.

You have to be rich to be poor. That's what some people who have never lived below the poverty line don't understand. Put it another way: The poorer you are, the more things cost. More in money, time, hassle, exhaustion, menace. This is a fact of life that reality television and magazines don't o...

http://www.visualeconomics.com/

Business aspects of design; pricing

I’m about to make a bold statement. The quality of a design and the monetary cost of producing or procuring that design have absolutely no relationship whatsoever. It’s a bitter pill to swallow, I know. Many of you are crying foul at this very moment, but hear me out. I’ll explain my radical position – and hopefully give you a few pointers about how to more effectively price and position your design business in this brave new, and uncorrelated, world.

Perhaps the best article on web design pricing I've ever read. This insightful story should be ready by every web designer.

Out of all of the blessings that have come into my life over the last two and a half years or so (a new home, my daughter, financial recovery, a new career, a lot of wonderful readers), the one that has truly helped me to sleep better at night is the move away from living paycheck to paycheck.

facts about the current economy.

for Karl?

Welcome to the Awesome Foundation for Arts and Sciences We support people doing awesome things in the world. Every month we give out a grant. Information on how to submit follows. What is Awesome? Awesomeness is often overlooked by mainstream culture, which tends to rehash the same broadly appealing but mediocre creations. Thankfully, there is the web. Awesomeness is more the product of a creator’s passion than the prospect of audience or profit. Awesome creations are novel and non-obvious, evoking surprise and delight. Invariably, something about them perfectly reflects the essence of the medium, moment, or method of creation. Awesomeness challenges and inspires.

boston cambridge grants awesome idea foundation

Submit an awesome idea. If we pick it, we'll give you $1,000 in cash. Yup, $1,000. Cash. Maybe even in a brown paper bag. You'll also get access to coworking space at BetaHouse for the month of your grant. The only condition is that you be willing to tell us (and some of our friends) about what you did a month later. If we don't pick it, don't stress, we'll pick a new awesome idea next month.

Times Online

The idea of this site is to build a number of free, easy to use, on-line calculators to help you calculate the cost of various financial products such as loans, credit cards and mortgages. Rather than going to a debt management company, or consolidating your loans, this site contains financial tools to help you get debt free yourself!

The idea of this site is to build a number of free, easy to use, on-line calculators to help you calculate the cost of various financial products such as loans, credit cards and mortgages.

Financial Calculators. Good for Skills class.

calculator to learn true cost

calculate how long you'll be in credit card debt, from board of governors of federal reserve system

from the Federal Reserve

tips from someone in the mattress business

Federated Media - Rep Agency

The Matrix, but with money

Supercomputers pitted against one another in a high-stakes battle of attack and counterattack over a global network where predatory algorithms trawl the information stream, competing every millisecond to gain an informational advantage over rivals. It sounds like Hollywood fiction, but it's just an average trading day on the stock market.

"Suelo's been here for three years, and it smells like it. " http://tr.im/vasK [from http://twitter.com/techpr/statuses/3088661236]

"When I lived with money, I was always lacking. Money represents lack. Money represents things in the past (debt) and things in the future (credit), but money never represents what is present."

HE WASN'T ALWAYS THIS WAY. SUELO graduated from the University of Colorado with a degree in anthropology, he thought about becoming a doctor, he held jobs, he had cash and a bank account. In 1987, after several years as an assistant lab technician in Colorado hospitals, he joined the Peace Corps and was posted to an Ecuadoran village high in the Andes.

A symbiotic relationship with industrialised society. He's almost as heavily dependent on everybody else as everybody else is. I'm not impressed at all. Nor is he all that bright: "Gold is pretty but virtually useless" - wrong. Gold is dense, soft, and therefore malleable, like lead, and both are very useful. Chimps would find such a metal (if they were bright enough to mine it, smelt it, etc.) rather handy. Then other chimps would get jealous... eventually they'd start trading it. A few thousand years later, some chimp would decide that gold is silly and go back to living in a tree (or a cage in a research facility).

"In leaner times, Suelo's gatherings include ants, grubs, termites, lizards, and roadkill. He recently found a deer, freshly run over, and carved it up and boiled it. "The best venison of my life," he says." ... ""I'll do what creatures have been doing for millions of years for retirement," he says. "Why is it sad that I die in the canyon and not in the geriatric ward well-insured?"

RESPECT

Prissättning

Great slide show on drinking and economics.

This is short, funny and nice story about taxes and tax cuts. We are sure you'll find it interesting and would appreciate your vote for the presentation. FYI.... THIS PRESENTATION WAS CONCEIVED, DESIGNED AND DEVELOPED IN ABOUT 27 HOURS. That story of how we managed it is coming up shortly as a separate presentation

There are plenty of ways to make money online, here we'll take a look at 5 unique ways to start making money online, easily and right away!

Eso

11 Lessons I Learned Earning $119,725.45 from Amazon Associates Program

ciekawy zestaw porad dla freelancerów

The best part about being a freelancer is having the freedom to set your own schedule and make your own rules. This, however, can also be the worst part. Without the normal structure of an office environment, many would-be freelancers find themselves wondering at the end of the day where all their time went. Getting the most out of your workday can be tough. So, to help, we present some simple ways that freelancers can increase their productivity.

Interesting custom affiliate-type system

I'd been hearing snippets of talk about a company that offered a way to make a website without programming. Then I heard that they make it dead easy to add all

"If I can't find money and valuables in the normal places I usually find them, I would continue to tear the house apart until I found something," which is why the post advises that, in addition to your hiding spots, it's best to leave some money out in obvious places if, say, you're heading on a vacation and are concerned about would-be thieves. This can not only save your other stash of money, but may actually keep the burglar from destroying your place as he looks for where you have hidden your money. If they believe they may have found the cash that you have in the house, they are much less likely to keep looking (remember, they want to get out asap). In the end, if you hide all your money well, you may win a moral victory in not letting the burglar find the money, but you'll likely have much more damage done to your place that will end up costing you more in the long run.

Pricing is a task a lot of designers struggle with. I receive questions on a weekly basis to prove it. As much as I want to, I can’t tell you what you should be charging. The design pricing formula explains why.

Werbeanzeige auf Facebook gestalten

Personal Finance, banking-budgeting

Secret menu items from popular restaurants. My favorite, from Fatburger: The Hypocrite, a veggie burger topped with crispy strips of bacon.

Creating your own products used to mean a significant up-front investment — purchasing a minimum amount of the product as dictated by the manufacturer, paying for warehousing, packaging, point-of-sale systems, and other overhead costs. And that was all before you even took a single order! Thankfully, for many types of products, print-on-demand technologies have made it possible for anyone to create and sell goods over the Internet with little or no up-front costs. Below is a roundup of 15 great print-on-demand sites that will help you create and sell everything from t-shirts to clocks, from books to skateboards, from board games to fabric. If you know of additional print-on-demand sites to make and sell your own products, let us know in the comments.

Even if you can't beat the system, there are some cunning ways to tilt the odds in your favour

tips for frugal living... cooking

A very well thought out take on redesigning US paper currency

Sponsored Tweets is a new Twitter advertising platform that connects advertisers with tweeters. Advertisers can create sponsored conversations on Twitter. Tweeters can earn money for spreading the word. remember me Here's How It Works

Sponsored Tweets is marketplace that provides twitter advertising through twitter based sponsored conversations.

ou are the least bit hesitant or apologetic for offering the money, you are doomed. No one likes to take money if he feels as though the person is stretching himself to give it away. Remember, the more public the favor, the more private the pass. Whip out the bill, move swiftly. Fold it in quarters for discretion. Use the right palm. Smile knowingly. Wave it flat, like

Gutsy: "I skipped the ticket counter altogether, walked straight into first class, and announced that I'd give anyone twenty dollars for his seat. There was some laughter, some nervous ass shifting, and just when I figured no one would bite, a big guy with a beltful of pagers and cell phones took the deal... The FAA would shit their pants if everyone could do that... One of the guys flagging cabs pointed me to the back of the line. That's when I grabbed him by the elbow, pulled him close, and shook his hand, passing the next twenty... As we pulled away, someone in the line threw a half-empty cup of coffee against my window... At 3:00 that very morning, I had called an Eighth Avenue bodega and told them I'd give them twenty dollars for a pint of milk and a Hustler magazine.... I got my shoes resoled in twenty minutes instead of two weeks..."

...Then I realized something else: Most people aren't willing to lose their job for twenty bucks, but if they have something they already take for granted--a place in line, a seat, a ticket to a show they've already seen--they'll jump on a twenty like a possum on a wet bag of groceries. How to Grease a Palm IT'S ALL ABOUT ATTITUDE AND NEED. You have to have the attitude. You must discern the need. If you are the least bit hesitant or apologetic for offering the money, you are doomed. No one likes to take money if he feels as though the person is stretching himself to give it away. Remember, the more public the favor, the more private the pass. Whip out the bill, move swiftly. Fold it in quarters for discretion. Use the right palm. Smile knowingly. Wave it flat, like a flag, when you're after more favors, more fealty. In this case, use the fingertips. Either way, it's really just a sort of greeting. Treat it like a how-do-you-do and nothing more.

happiness most often comes from experiences...

Cars that make you happy: BMW 325, 535, M3, and X3, Audi A4, Jaguar, Mazda Miata, Subaru WRX, Toyota Matrix, Prius, and Corolla, Honda Civic.

A compendium of nine proven money-making techniques for podcasters. All are successful to varying degrees and some podcasters use a combination of methods. This summary provides an explanation of all the techniques, and tips from the podcasters who have pulled them off.

What follows is a compendium of nine proven money-making techniques for podcasters. All are successful to varying degrees and some podcasters use a combination of methods. This summary provides an explanation of all the techniques, and tips from the podcasters who have pulled them off. For more tips, advice, and to hear the full money making podcast story, make sure to read and listen to each the interviews linked throughout this article.

Many people podcast because they love of it, but at some point, you may need to think about paying the bills. Here are 9 tips for making money from podcasting.

For many, creating a podcast is something that’s done solely out of passion. But even among those who do it strictly for the love of podcasting, after awhile, once you’ve built up an audience, there comes a time when you think to yourself, “I can’t keep doing this for free.”

In the most profound financial change in recent Middle East history, Gulf Arabs are planning – along with China, Russia, Japan and France – to end dollar dealings for oil, moving instead to a basket of currencies including the Japanese yen and Chinese yuan, the euro, gold and a new, unified currency planned for nations in the Gulf Co-operation Council, including Saudi Arabia, Abu Dhabi, Kuwait and Qatar.

The demise of the dollar - Business News, Business - The Independent

In a graphic illustration of the new world order, Arab states have launched secret moves with China, Russia and France to stop using the US currency for oil trading.

Content Type: text/html;charset=ISO-8859-1, size: 300,585 bytes

How much money to raise and what to do with it: using mint as a case study

In order to get that seed round, you'll need to understand your competition, and come up with projections. Everyone knows this will change...but you need to show your thinking around it anyway. As an example, MINT originally projected $30/user/year for lead-gen and CPA. (Aaron noted that the company is pretty close to this today. But this is the exception rather than the rule.) Know how the business model works. People do X behavior and it turns into $Y income, add up those $Ys and it's a $Z business. If you can walk people through these assumptions convincingly, you'll get that seed round.

The straight shot: Why should you raise money, and how much? * Step 1: When you're ready with an Idea: Raise $100K from friends and family, and use it to build a prototype. * Step 2: Once the prototype is done: Raise < $1M in seed capital, and get into market with an alpha launch. * Step 3: After that initial launch has traction: Raise $5-10M, and use it to prove/scale the model.

要するに、重税社会というのは、貨幣システムの利用料がバカみたいに高くなる社会だ。

法人と違って、個人間での取引の場合、現金の受け渡し記録が残らないようにすれば消費税や所得税を課税するのはかなり困難だからだ。 もちろん、ヤフオクなどのように、支払い記録が残るようなシステムは使わない。そんなことをすると、税務署に把握されてしまうからだ。 基本的には、知り合

上に歪んだ政策あれば、下に歪んだ対策が必要になる。

As the author of Beginning Ruby, I make money for every copy sold in print and electronic formats (as well as some miscellaneous income I’ll cover later). It’s not much money – but that wasn’t the motivation for writing the book. In this post I’m going to show you how it all works from my point of view including sales figures, pictures of my royalty statements, information about my advance, and similar gruesome stuff. There’s even a section at the end about how Apress pissed me off a bit (though I don’t regret the experience with them) and why I’m happy with you pirating my book if you so choose.

Nice summary of why you shouldn't give up your day job to write a technical book. The guy is wrong however in thinking he would make more money in giving the ebook away for free. It would be better to give a chapter away for free.

Making money blogging is a common dream to many bloggers. But sadly, only a few bloggers actually make money from blogging. The fact that you will make money depends of many factors, as such as your site traffic, the quality of your content, the power of your network, and many more. Althought tools will not bring you results without any work, they can make your life easier or help you to optimize your online income. In this article, I have selected the Top 10 WordPress plugins for monetizing your blog.

ck or two here and there may not seem like a big deal. But if you're frequenting ATMs outside your bank's network

Over 190 of the most useful money saving websites, online guides, and tools that help you expertly manage your personal finances. There are budgeting tools, job and career resources, rate comparison sites for bank accounts, credit cards and phone bills, budget travel websites, money resources for students, and lots of deals & coupons!

Great list of resources for the penny-wise

Here's the ultimate guide to 190 of the best budgeting tools, deals & coupon sites, rate comparison engines, and personal finance resources online. This list has everything you need to start saving money immediately.

Here, you’ll find the 100 best blogs for economics students to read.

ib

Recipes and how much they cost. The blogger adds recipes and breaks down the cost of food down to individual portions.

クレジットカード課金、審査OKまでの流れ

クレジットカード課金についての流れ

（個人や零細企業が）Webサービスでクレジットカード課金

daily updates on sales

Why the hell wouldn’t you want to make some money on the side while you’re building your freelance business?

There’s a classroom exercise that’s a part of the Stanford technology venture program hits its students with each year: If you had five dollars and two hours, what would you do to make as much money as possible?

Selling presentation time is clutch. Lesson Learned: Think outside the box. No, actually, there is no fucking box.

Bicycle tires pump up

Six minute video of Stanford professor describing her 'make as much money as you can with $5 and 2 hours' assignment.

important feedback in the comments, good stuff

Never reveal your prior salary, says Ramit Sethi. "It's just none of their business," Rather than answering, Sethi and others suggest steering the conversation into your worth (hopefully you've done your homework before the interview enough so you'll know how to discuss how valuable you are).

interesting article to read

iPhone for Everybody

"新型の3GSは、解約してしまうと寝かせておくより高くつくようです。だったら着信できるんだし、いざという時に役立つかもしれないので、2年所有を覚悟して買うのがいいようです。"

らばQ:「iPhone 3G S」の価格や解約時の費用が気になってなかなか購入できない人のためのまとめ

Edict on Maximum Prices issued by Diocletian in 301 A.D.

prices of common goods in ancient rome

Edict of Prices

When studying Ancient Rome, it is only natural to wonder what the price of everyday items might have been. In order to fully understand the price of an item, you must also consider the wages workers received at the time the item was purchased.

What things cost in Ancient Rome

欧米式の住所の書き方を説明しているページ * http://music.cocolog-nifty.com/001/2004/06/imp_address.html

amazonの海外版かー、ポンドも円高なんだろうか。ちょっと気づくの遅かったなー

When it comes to major purchases - like cars, computers, airline tickets - simply buying them whenever rarely get you the best deal.

"I’m simply explaining why I’m not embarrassed that I 'owe' Warner Bros. almost $400,000. They didn’t make a lot of money off of Too Much Joy. But they didn’t lose any, either. So whenever you hear some label flak claiming 98% of the bands they sign lose money for the company, substitute the phrase 'just don’t earn enough' for the word 'lose.'"

A great post from a musician's perspective on digital royalties for recording artists. Lots of insight here. The bottom line is that, moving forward, there has to be absolute and real-time transparency in royalties for artists and authors.

So I was naively excited when I opened the envelope. And my answer was right there on the first page. In five years, our three albums earned us a grand total of… $62.47

So I was naively excited when I opened the envelope. And my answer was right there on the first page. In five years, our three albums earned us a grand total of… $62.47 What the fuck? I mean, we all know that major labels are supposed to be venal masters of hiding money from artists, but they’re also supposed to be good at it, right? This figure wasn’t insulting because it was so small, it was insulting because it was so stupid.

I got something in the mail last week I’d been wanting for years: a Too Much Joy royalty statement from Warner Brothers that finally included our digital earnings. Though our catalog has been out of print physically since the late-1990s, the three albums we released on Giant/WB have been available digitally for about five years. Yet the royalty statements I received every six months kept insisting we had zero income, and our unrecouped balance ($395,277.18!)* stubbornly remained the same.

A rant on recouping an artist's repayment. Talks about revenue earned from digital sales.

Lazy Portfolios are helping investors intelligently build simple, successful winning portfolios by themselves and you watch your nest egg grow

Gadgets can be both useful and cheap — they can help even budget travelers make the most of their adventures. Here is a list of the 10 gadgets, all under $50, that I either own or have been lusting after.

From iPods to noise-canceling headphones, from digital cameras to GPS trackers, they take up space, can consume electricity and distract us from actually enjoying the trip. Gadgets also tend to be expensive, small and easy-to-lose. But gadgets can be both useful and cheap — they can help even budget travelers make the most of their adventures. Here is a list of the 10 gadgets, all under $50, that I either own or have been lusting after.

Financial Literacy for Everyone

NY情報

what, a nyt article names itself on delicious? anyways, good stuff

"For visitors, however, these can be seriously intimidating numbers. Even if you’re not aiming for high-end Manhattan indulgence, the basic costs of lodging, transportation, food, shopping and entertainment are the most expensive in the nation."

WHY I AM NOT AFRAID TO TAKE YOUR MONEY, BY AMANDA FUCKING PALMER

"listen. artists need to make money to eat and to continue to make art. artists used to rely on middlemen to collect their money on their behalf, thereby rendering themselves innocent of cash-handling in the public eye. artists will now be coming straight to you (yes YOU, you who want their music, their films, their books) for their paychecks. please welcome them. please help them. please do not make them feel badly about asking you directly for money. dead serious: this is the way shit is going to work from now on and it will work best if we all embrace it and don’t fight it. unless you’ve been living under a rock, you’ve surely noticed that artists ALL over the place are reaching out directly to their fans for money. how you do it is a different matter. maybe i should be more tasteful. maybe i should not stop my concerts and auction off art. i do not claim to have figured out the perfect system, not by a long shot."

if you think i’m going to pass up a chance to put my hat back down in front of the collected audience on my virtual sidewalk and ask them to give their hard-earned money directly to me instead of to roadrunner records, warner music group, ticketmaster, and everyone else out there who’s been shamelessly raping both fan and artist for years, you’re crazy.

"artists will now be coming straight to you (yes YOU, you who want their music, their films, their books) for their paychecks. please welcome them. please help them. please do not make them feel badly about asking you directly for money. dead serious: this is the way shit is going to work from now on and it will work best if we all embrace it and don’t fight it."

おもしろくて、生活に役立ちつことである。

一人暮らしのTIPS集

Study on 5000 people across China. “Women’s orgasm frequency increases with the income of their partner,” said Dr Thomas Pollet, the Newcastle University psychologist behind the research. [...] The study is certain to prove controversial, suggesting that women are inherently programmed to be gold-diggers." Replicated in Germany and USA.

gest lifestyle studies. The Chinese Health and Family Life Survey targeted 5,000 people across China for in-depth interviews about their personal lives, including questions about their sex lives, income and other factors. Among these were 1,534 women with male partne

Scientists have found that the pleasure women get from making love is directly linked to the size of their partner’s bank balance.

Hilarious! Now I understand why my wife has a constant smile :-)

g abo

Until recently, I hadn’t traveled much. I grew up in and and around Portland, and that’s where I tended to spend my vacations. But after my wife’s parents took us on a few trips (to Alaska, to San Francisco, to London, Dublin, and New York), the travel bug bit me. I’d like to see more of the world, and I’d like to do it without spending a lot of cash. Travel full-time for less than $14,000 per year

Over the past several months, I’ve gradually come to use Evernote for all kinds of tasks, from managing my writing to jotting down grocery ideas to drafting articles. It’s free and it’s become my single most used application on every computer I use – my Mac (where I do most of my work), my laptop (remember the frugal laptop? I’m still using it!), and even my iPod Touch, which is constantly in my pocket. A big nod to Manny, a long-time Simple Dollar reader who introduced me to Evernote (see comment #5 on that thread).

ABD'de gelir adaletsizliği tüm zamanların rekorunu kırdı

US statistics: -top .01% own 6% of wealth - top 10% own 50% of wealth

from the page: "Income inequality in the United States is at an all-time high, surpassing even levels seen during the Great Depression, according to a recently updated paper by University of California, Berkeley Professor Emmanuel Saez. .. Saez calculates that in 2007 the top .01 percent of American earners took home 6 percent of total U.S. wages, a figure that has nearly doubled since 2000. As of 2007, the top decile of American earners, Saez writes, pulled in 49.7 percent of total wages, a level that's "higher than any other year since 1917 and even surpasses 1928, the peak of stock market bubble in the 'roaring" 1920s.'""

surpassing even levels seen during the Great Depression, according to a recently updated paper by University of California, Berkeley Professor Emmanuel Saez. ....As of 2007, the top decile of American earners, Saez writes, pulled in 49.7 percent of total wages

It is difficult to sympathize with these people, their comments laced with snobbery and petulance. But you can understand their shock: Their world has been turned on its head. After years of enjoying favorable tax rates, they are facing an administration that wants to redistribute their wealth. Their industry is being reordered—no one knows what Wall Street will look like in a few years. They are anxious, and their anxiety is making them mad.

Wall Street people are not moral idiots (most of them, anyway)—it’s not as if they’ve never pondered the fairness of their enormous salaries. “One of my relatives is a doctor, we’re both well-educated, hardworking people. And he certainly didn’t make the amount of money I made,” a former Bear Stearns senior managing director tells me. “I would be the first person to tell you his value to society, to humanity, is far greater than anything that went on in the Bear Stearns building.”

In a witch hunt, the witches have feelings, too. As populist rage has erupted around the country, stoked by canny politicians, an opposite rage has built on Wall Street and other arenas where the wealthy hold sway. Its expression is more furtive and it’s often mixed with a kind of sublimated shame, but it can be every bit as vitriolic.

IBG-YBG: I’ll be gone, you’ll be gone

As the privileged class loses its privileges, a collective moan rises from the canyons of Wall Street.

It was the culture of what some called IBG-YBG: I’ll be gone, you’ll be gone,”

One of my favorite ways to trim money from my spending is to find simple little substitutes for my regular expenses. If I can trim a few bucks from the cost of household supplies, routine purchases, and other things like that, over the long run, that can add up to a lot of money with virtually no change in my life. Here are twelve of my favorites (not including my “infamous” homemade laundry detergent).

cost of Marshall Plan

costo del rescate de bancos en la crisis económica del 2008

How much does the bailout cost, compared to other grand government programs? More.

oh. my. god. and where the hell is this money coming from, anyway???

Bailout costs more than Marshall Plan, Louisiana Purchase, moonshot, S&L bailout, Korean War, New Deal, Iraq war, Vietnam war, and NASA's lifetime budget -- *combined*!

$4.6165 trillion? That'sa spicy meataballa!

Pilsner economic indicator: Lowest beer sales in Germany since reunification. http://tiny.cc/yZmwY (via @bill_easterly) [from http://twitter.com/pkedrosky/statuses/3231803829]

We can promote our coupons through this channel.

provides

"There has never really been a bad time in the last fifty years to be Warren Buffett, but just now would seem to be less favorable than most. If Buffett still measures his life by the book value per share of Berkshire Hathaway, then for the first time in forty years he must feel like a wasting asset. His share price is still off more than 40 percent from its highs, underperforming even the S&P 500. He railed against derivatives as weapons of mass destruction, and now turns out to have been sitting on a $68 billion pile of credit default swaps and exotic put options on various stock market indexes. And having vowed never again to become entangled in a big Wall Street investment bank, he has gone and sunk $10 billion into Goldman Sachs, a virtual re-enactment of his investment in Salomon Brothers--cash for reputation. The difference this time is that he has gotten himself a sweeter deal than not merely ordinary shareholders, but also the U.S. Treasury."

review by michael lewis of Snowball. a biography of Warren Buffet

Article on Warren Buffet.

Winning at the Credit Score Game

Education Distance learning, which provides instruction to students who are not on-site, is booming. O*Net now recognizes distance learning coordinators, who prepare and run online courses at colleges, trade schools and secondary schools. A master's degree instructional design, curriculum design, curriculum development is usually required, as is a strong understanding of Web-based technologies. The Bureau of Labor Statistics doesn't yet recognize distance learning coordinators as a job category, but an analysis of job openings shows a range from the upper $30s to the low $60s for a coordinator with at least two years' experience.

Anesthesiologist assistants and Green jobs

The latest directory of job titles from Occupational Information Network (O*Net) features a variety of new entries that many people have never heard before. Some of these jobs -- at least the duties -- have been around in some form for a while. What's new is a "professional pathway" for these careers.

The latest directory of job titles from Occupational Information Network (O*Net) features a variety of new entries that many people have never heard before. Some of these jobs -- at least the duties -- have been around in some form for a while. What's new is a "professional pathway" for these careers, according to employment expert and author Laurence Shatkin. "O*Net officially recognizes job titles once there is a critical mass of workers in those jobs and a clear road map for attaining the positions," he says.

35 Tip Jars Designed to Make You Give More http://ocrgo.tk (these r hilarious—i'd tip more!) [via @pixel_jockey] [from http://twitter.com/koka_sexton/statuses/2573900041]

Coursesmart.com

Interesting, I wonder if these predictions will come true?

10 yrs. ago, most homes relied on dial-up connections to get to the web and iPods, cool flat-screen televisions and the Nintendo Wii didn't exist.

ブクマと次のエントリも

前にブクマした気がしたけどしてなかった

死亡・後遺障害の保険金額がめちゃめちゃ高いプラチナカードを一枚だけ持つよりも、自動付帯で疾病・傷害治療費の保険金額がそこそこ高い年会費無料カードを複数持つ方が断然イイ。

手持ちの見直してみるかな　＞とにかく傷害・疾病の保険金額が一番大事　自動付帯じゃないと意味がない

A site for consumer protection and with links to government agencies and resources for the consumer.

Consumer Action Handbook, including the consumer topics, the directory listings, the sample complaint letter, and the index.

buying car/home, identity theft, credit, consumer complaints

. But one independent developer still managed to rake in $600,000 in a single month with a single iPhone game.

save pictures in your hard drive

Alternate Currency

@Niki7a @iamnowmai I thought xkcd established the new currency as funny pictures saved to your hard drive: http://xkcd.com/512/ [from http://twitter.com/danphilpott/statuses/2005464491]

a list of stock photo sites

Good business ideas cross over into good businesses with the following factors in place: Natural Passion and Interest + Skill and competence + Business model that delivers the life you want to live + Solid business planning with well-defined market

We search the internet's top rewards programs to help you save money and earn rewards every time you shop.

One search, every reward.

Tips on credit cards AND travel insurance

Suggests getting a Capital One card.

But why pay any fees at all? To keep from handing banks money unnecessarily (isn’t the bailout enough?), I also keep a money market account at Capital One Direct Banking, which charges nothing (and earns me No Hassle rewards points). I linked this Capital One online account to transfer money regularly from my Bank of America account. The transfers can take awhile — up to a week — so I always make sure to get that under way well in advance.

v

s a website banner, mobile video or out-of-home digital sign.

gaho online adverting managment system

open source free adnetwork

Ad platform

You have to package your knowledge into something that clients can recognize as valuable. How to develop a product/ make your freelance skills valuable to others

Part of a series of posts by Ramit

PayPal を使ってお金を受け取る方法. いつか使うかも.

Why Rechargeable Batteries Are Rarely Cost Effective September 15th, 2009 I was standing in line at a local electronics store the other day when I struck up a conversation with the guy ahead of me who had a basket full of battery chargers and AA rechargeable batteries. It turns out he had decided to replace all of the batteries in his house with the rechargeable kind. Between the batteries and the chargers this guy plunked down over a hundred bucks!

Rechargeables are best for frequently-used, high-current-draw devices (cellphone, for example). Anything with infrequent battery changes (clocks etc), will take practically forever to reach break-even on costs using rechargeables.

It makes more sense to use alkaline batteries for low-draw devices like wall clocks because they lose power at a much slower rate than rechargeable batteries.

I realize many people want to convert to rechargeable batteries for environmental reasons, which is fair enough. But the truth of the matter is this: when cost is the primary discriminator, low current-draw devices simply don’t warrant the extra expense of rechargeable batteries. That’s because the batteries of low current-draw devices are typically changed so infrequently that the payback period for equivalent rechargeable batteries would be too far long to justify the investment!

There’s a hidden rulebook for giant web-store Amazon. This guide zips you through the techniques inc. special links to 75% off bargains, tools to track price reductions & more.

写真で稼げる

08年度駒澤大学「経済学＜現代経済理解へのガイド＞」（講師：矢野浩一）講義資料。前期「ミクロ経済学入門」、後期「マクロ経済学入門」。

ナイスな資料。

It is a little hard to talk hard numbers here since this will vary wildly from agency to agency, firm to firm, freelancer to freelancer. But let’s just throw some out there just for fun. $75 / hour. That’s a fair rate, I think, for a reasonably skillful freelance web designer.

This question was sent in by Tom Nowell. Tom said he was a university student and has been building websites for people lately. He says that he does it on

peterturtle, turtle try at home

A virtual town where you play games and make friends, while learning about earning, saving, spending and giving. You start out with $50,000 in MinyanMoney and a Condo worth $50,000. You can spend your money, invest your money, and earn more MinyanMoney by playing games or doing real-life chores your parents assign you.

MinyanLand is a virtual community designed to engage kids and families in games and interaction that are entertaining and educational. Appropriate for 3-8. Accessible to deaf students.

Virtual world for learning about economics and finances.

The zero-rupee note. I like this. How long til the Tea Party in United States latches on and starts using something similiar in political protest against...well....all things not Tea Party.

"One such story was our earlier case about the old lady and her troubles with the Revenue Department official over a land title. Fed up with requests for bribes and equipped with a zero rupee note, the old lady handed the note to the official. He was stunned. Remarkably, the official stood up from his seat, offered her a chair, offered her tea and gave her the title she had been seeking for the last year and a half to obtain without success. Had the zero rupee note reached the old lady sooner, her granddaughter could have started college on schedule and avoided the consequence of delaying her education for two years. In another experience, a corrupt official in a district in Tamil Nadu was so frightened on seeing the zero rupee note that he returned all the bribe money he had collected for establishing a new electricity connection back to the no longer compliant citizen."

In addition, officials want to keep their jobs and are fearful about setting off disciplinary proceedings, not to mention risking going to jail. More importantly, Anand believes that the success of the notes lies in the willingness of the people to use them. People are willing to stand up against the practice that has become so commonplace because they are no

This is one way to end bribery.

He came up with the idea of printing zero-denomination notes and handing them out to officials whenever he was asked for kickbacks as a way to show his resistance....In another experience, a corrupt official in a district in Tamil Nadu was so frightened on seeing the zero rupee note that he returned all the bribe money he had collected for establishing a new electricity connection back to the no longer compliant citizen.

Fed up with requests for bribes and equipped with a zero rupee note, the old lady handed the note to the official. He was stunned. Remarkably, the official stood up from his seat, offered her a chair, offered her tea and gave her the title she had been seeking for the last year and a half to obtain without success.

social micropayments system

Social subscription/payment system

We aim to revolutionize how people pay and get paid for content on the internet. Come, join and show the world that good content is worth some coins out of your pocket.

New micropayment website, founded by the PirateBay guys

"We aim to revolutionize how people pay and get paid for content on the internet. Come, join and show the world that good content is worth some coins out of your pocket."

Calculadora del coste de reuniones (US).

Where Lousy Meetings Live on Forever

List of multiple agencies that have information about you

Estimate travel costs by country, city, and category. Use the Estimate Trip Costs search form to plan your expenses, or browse the list of countries. The trip expenses entered by other travelers help us calculate daily averages by location and category.

Recommended by Lifehacker

Track Find out how you spent your money with charts, tables, categories, and daily averages. Sign Up and start a trip to find out how easy it can be.

avel

How long is a piece of string? One of the most common questions I see on IWF and on boards.ie web design and web development forums is the age old

imperfect people create imperfect financial situations, regardless of prior experiences. fascinating!

Postrel on a laboratory experiment where people buy and sell a guaranteed and specified security. "Here, finally, is a security with security—no doubt about its true value, no hidden risks, no crazy ups and downs, no bubbles and panics. The trading price should stick close to the expected value. At least that’s what economists would have thought before Vernon Smith, who won a 2002 Nobel Prize for developing experimental economics, first ran the test in the mid-1980s. But that’s not what happens. Again and again, in experiment after experiment, the trading price runs up way above fundamental value. Then, as the 15th round nears, it crashes...you don’t just get random noise. You get bubbles and crashes. Ninety percent of the time. So much for security. "

These lab results should give pause not only to people who believe in efficient markets, but also to those who think we can banish bubbles simply by curbing corruption and imposing more regulation. Asset markets, it seems, suffer from irrepressible effervescence. Bubbles happen, even in the most controlled conditions.

financial bubbles

At least that’s what economists would have thought before Vernon Smith, who won a 2002 Nobel Prize for developing experimental economics, first ran the test in the mid-1980s. But that’s not what happens. Again and again, in experiment after experiment, the trading price runs up way above fundamental value. Then, as the 15th round nears, it crashes. The problem doesn’t seem to be that participants are bored and fooling around. The difference between a good trading performance and a bad one is about $80 for a three-hour session, enough to motivate cash-strapped students to do their best. Besides, Noussair emphasizes, “you don’t just get random noise. You get bubbles and crashes.” Ninety percent of the time.

Lista de filmes marcantes feitos com menos de 1 milhão de dólares

Behind every outstanding Hollywood blockbuster, there’s a film director who had to work their ass off to helm that project. And though their early work is not often seen by the public eye, that doesn’t mean it’s not accessible to those who are interested in seeking it out. The following movies all had budgets under $1 million, some of them reaching as low as $7,000. Let this act as a reminder: you don't need to be backed by studio financing to make a great film.

would love to watch most of these some day

Pour 100 briques, ben t'as encore des trucs pas mal...

http://www.alwayswatching.org/features/8-eye-opening-movies-remind-you-your-life-isnt-so-bad

The place for people to share things they're willing to do for $5 Buy. Sell. Have fun.

Fiverr is a place for people to share things they’re willing to do for $5: Funny and Bizarre, Social Marketing, Graphics, Advertising, Technology, Business, Programming and more!

n accosted many times, but never with success. Although I wouldn’t recommend this tactic to everyone, here’s my secret: If you are forced to walk somewhere dodgy, such as the Albayzin or Sacromonte areas of Granada in Spain (tiny thousand-year-old streets, a labyrinth where masked thieves — usually little punk kids — like to prey), one thing I’ve found that works is putting on the “Oh man, what have I done?!” face. This is the kind of face one may have as they are thinking to themselves: “Oh man, I shouldn’t have hit that last person so hard...I wonder if they’re dead?” Imagine it. It’s the face of a person who has absolutely cracked, gone off the deep end, and just killed someone. This may sound really weird, but trust me, if you wear

Interesting list of scams perpetrated on travelers. I always ask myself if I am just lucky or actually more careful -- apart from the occasional over-charging taxi, nothing has ever happened to me.

Cover yourself against travel scams

Interesting portrait of Ben Bernanke in the New Yorker

Article from The New Yorker on Fed Chairman Ben Bernanke; brief history of current economic crisis (13 pp)

Interesting article about Chairman Bernanke and the current financial crisis

Easy-to-Use Tax Withholding Calculator

Kiplinger's Easy-to-use tax withholding calculator. Why let the IRS hold your money interest-free? Use our calculator to see how much you can add to your paycheck...starting next pay day.

If I had any advice to offer it's this -- get in the habit of communicating directly with the people you want to influence. Don't charge them to read it and don't let others interfere with your communication.

advertising communication effect finances money community blogging interesting technology business marketing culture web

On Twitter early this morning I said something provocative. "I've made over $2 million from my blog and Dan thinks blogs can't make money. He needs to get out of the box more often." Permalink to this paragraph I was referring to Dan Lyons, who had written a piece in Newsweek that said among other things: "While blogs can do many wonderful things, making huge amounts of money isn't one of them." Permalink to this paragraph I agree. Blogs don't make money. But people with blogs can.

radical thinking from Dave Winer on blogging with a real personal voice

価格.comを運営するカカクコムの2008年4月～9月の売上高は43億5500万円で、純利益は9億5300万円、価格.comの月間総ページビューは約5億8761万、月間利用者数は約1489万人(2008年10月31日現在)ということで、見た目の割には想像を絶する規模になっています。価格.comをぱっと見てわかるのは「広告があるな～」ということぐらいですが、それ以外に一体どうやって利益を上げているのでしょうか？

■のバナー一週間160万円

Chris Brogan's Trust Agents or Shel Israel's Twitterville.

...saying that Twitter is winning. Is winning big. Bigger than any of the tech blogs have admitted to yet. My new price for Twitter? $5 billion.

Trust Agents

Robert Scoble/Scobleizer, Aug. 30, 2009.

this might be the most important blog post on the internet right now.

Let’s face it, times are tough and every penny counts. Instead of just money saving websites, here is a list of 18 Firefox Add-Ons that will help save you money on a daily basis.

4.1.5 Rob Gruhl - How to Buy a New Car - Ignite Seattle 2007-8-8

The Center for Nutrition Policy and Promotion (CNPP), part of the USDA, combines scientific research and the nutritional needs of the American public. Special interest: Dietary Guidelines for Americans | The Food Guide Pyramid | Interactive Healthy Eating Index | Nutrition Insights.

Resources aimed at developing and promoting dietary guidance with links to MyPyramid, dietary guides, nutrition insights and other resources; many aimed at consumers.

The USDA Center for Nutrition Policy and Promotion (CNPP) works to improve the health and well-being of Americans by developing and promoting dietary guidance that links scientific research to the nutrition needs of consumers. CNPP is an agency of USDA's Food, Nutrition, and Consumer Services.

has data on food costs, customizable food pyramids, ect

Use code ENTREE for 80% off

discounted restaurant gift certificates

Gift certificates to restaurants

Make Your Clothes Last Longer

| Wise Bread

The 15 Most Expensive Paintings in the World

from "Personal Finance News from Yahoo! Finance"

Good to know. Everybody's Broke! lolol

Whilst bank cards along with money cards may appear virtually the exact same, its not all plastic may be the identical.

Although charge cards and money cards may well look almost the exact same, not all plastic will be the exact same.

Although bank cards along with money handmade cards could appear practically identical, its not all plastic will be the exact same.

Whilst charge cards along with debit handmade cards could glimpse almost identical, not every plastic material may be the same.

Although plastic cards and also debit greeting cards could glimpse nearly the same, not every plastic could be the exact same.

When credit cards as well as money handmade cards might glimpse almost identical, not all plastic-type may be the identical.

When credit cards along with money handmade cards might glimpse practically similar, not all plastic material will be the same.

Whilst plastic cards along with money homemade cards may well appear practically the same, not all cheap could be the similar.

Whilst credit cards along with debit cards may well look virtually the exact same, not every plastic will be the similar.

Mark Wagner’s Currency Collages

Collages made from money

using technoloyg

RT @davewiner: Twitter VC :there will be "sudden" changes and then we'll know what Twitter's business model is. :-) http://bit.ly/15lTiK [from http://twitter.com/rohitharsh/statuses/1267090367]

RT - Twitter VC Laughs at Idea that Twitter Has No Bus Model - ReadWriteWeb http://ff.im/-1hDCY. +++Some said that about Google early on. [from http://twitter.com/paulwalker/statuses/1266876050]

Todd Dagres, founder of Spark Capital and one of the VCs that poured an additional $35 million into Twitter recently, finds it amusing when people talk about Twitter's lack of a business model.

$ frm twttr VC says: "All of a sudden...some changes...won't undermine...but...pretty obvious how we...monetize it." http://is.gd/llEp [from http://twitter.com/DrIanFenwick/statuses/1292447685]

is it obvious? will those first to react to it be in a position to leverage it?

Dagres, who claims that Sparks and Union Square Ventures are the two biggest shareholders in Twitter, said that there is a business model - it just hasn't been implemented yet. But he did provide one clue. "All of a sudden there will be some changes that won't undermine the experience or the vitality -- but it will be pretty obvious how we're going to monetize it."

Want To See Where Media Is Going? Follow The Money. http://tcrn.ch/dhMH8G #media

Among the top ten media M&A deals in 2008 were CBS’s $1.8 billion acquisition of Cnet, eBay’s $945 million purchase of Bill Me Later, and AOL’s $850 million acquisition of Bebo.

the money behind the media-- where the growth is.

Yet more evidence that the future of media is digital (in case there are still any doubters out there). In a report released ...

#armamentos

'Information is beautiful'

Tips by the frugal traveler on nytimes.com

Best practices for researching a vacation.

essential travel websites

Good set of links for flights, etc

RT @PierreBRT: Combien gagne un artiste qui vend sa musique en ligne ? Une infographie explicite. http://u.nu/863c8

via alphatrends

How much does music artists earn online http://bit.ly/bMgKjd #infographic #piratpartiet

As a designer, you will eventually have to face a couple of unfortunate truths in your career. Number one: just because you wear a bathrobe for most of your “business” hours does not actually make it business attire. Number two: at some point in your freelance career, you will encounter a client who does not respect the work you do. The most unfortunate part of this unfortunate truth is that it will all too often present itself in the form of a client who refuses to pay for your services once all of the work has been completed.

I would like to point out that in future I will be using this article as reference for my freelance work. Thanks for posting it :) Reply * 13 DIGITAL7 Media April 9th, 2010 7:27 am

e most unfortunate part of this unfortunate truth is that it will all too often present itself in the form of a client who refuses to pay for your services on

Lifestyle design is all about changing the way we live so that we can fulfill our passions and experience life now. We should all be striving for early retirement from lousy jobs. My wife and I have a one year plan to quit our jobs and move to a new country. We are not retiring from work, we still want to continue working on interesting projects and possible doing some longer term volunteering, but we do want to retire from our current career of owning an English school in Japan. Too many people still believe that retirement is for the 65 and older crowd who have worked and saved their whole lives and still have trouble making ends meet. How much money do you really need to retire? What if you could retire now, for as little as $500 per month? Of course, that means cutting back on most luxuries and living a relatively simple life but it does seem possible in lower income countries like The Philippines, Cambodia, Thailand, and Indonesia.

Admittedly I don't think much about it at all. ...

Saving Energy

turn off computers during this downturn

I hate the pansies who whine that “it takes money to make money.” No it doesn’t! It takes a sense of mission. If you’re on a mission, you’ll find a way. When I didn’t have money to start my company, I called up J.Crew and asked if they’d take back the clothes I bought from them over the years and give me a refund. Believe it or not, they said, “sure.” That J.Crew refund check helped put me in business.

The chances are, you probably haven't heard of the name Andrew Warner. And if you have, all you will see ...

A personal finance blog focusing on ordinary people dealing with unprecedented levels of debt.

"Felix Dennis, publishing tycoon, has written a guide to becoming a multi-millionaire. All you need is thick skin, cunning - and a work ethic"

Good quote: "If you are unwilling to fail, sometimes publicly, and even catastrophically, you stand little chance of ever getting rich." Reminds me of this quote from Lazarus Long: "People who go broke in a big way never miss any meals. It is the poor jerk who is shy a half slug who must tighten his belt." As a bit of a pod who sometimes finds it all too easy to "turn off" my human concerns, and an on-again-off-again workaholic who was literally ridiculed by my friends for my study and work habits, I am very inspired by what he has to say.

excerpt from publishing tycoon Felix Dennis's book about how to get rich

Hard to believe, but you can get a degree without paying for it. Tell your students.

株主も社員も自分一人という「マイクロ法人」を設立すれば、それまでとは別の、金融などの仕組みを利用することができる。

The penny-pinching, wheel-and-dealing, bargain-hunting prospect. As a freelancer, dealing with this type of person is part of the territory.

Comprehensive list!

Business & Tech

Nb Might follow up

Here's the problem for states that want to pry more money out of the wallets of rich people. It never works because people, investment capital and businesses are mobile: They can leave tax-unfriendly states and move to tax-friendly states.

Why states need to cut taxes: http://tr.im/lEOG #tcot [from http://twitter.com/Underdown/statuses/1836031711]

It's already happened in Maryland.

comments by devs re paypal, google checkout, authorize.net, etc.

"Currently, Apple's stock is at an all time high. A share today is worth over 40 times its value seven years ago. So, how much would you have today if you purchased stock instead of an Apple product?"

If I'd bought stock instead of a iBook 3G in 2003 I'd have $60k. http://www.kyleconroy.com/apple-stock.php Wowza.

RT @zeldman: Read it and shoot yourself. http://j.mp/8Xz1mc – David (dpan) http://twitter.com/dpan/statuses/12947252610

Apple product vs how much Apple stock would be worth instead. Silly but interesting.

List of apple products, the cost of those products at the time of release and what Apple stock would be worth today had you bought stock intstead of the product.

What if I had bought Apple stock instead?

RT @zeldman: Read it and shoot yourself. http://j.mp/8Xz1mc

Coffee grounds offer more then just a fantastic drink, use the grounds around your home, garden and even as a beauty product.

Until last month, the clock had enough digits to measure US debt levels The US government's debts have ballooned so badly the National Debt Clock in New York has run out of digits to record the spiralling figure.

The US government's debts have ballooned so badly the National Debt Clock in New York has run out of digits to record the spiralling figure. The digital counter marks the national debt level, but when that passed the $10 trillion point last month, the sign could not display the full amount.

US debt clock runs out of digits

BBC News

"Capitalism (in addition to being a lot of other things) is the way people get rich simply for being rich."

The economy is as great an example as any of a program that not only got out of control, but became so prevalent - so accepted - that we came to take it for granted. We think of the economy and its rules as given circumstances, when they are actually constructions. In brief, the money we use is just one kind of money. Invented in the Renaissance, and protected with laws banning other kinds of money, it has very particular biases that lead to almost inevitable outcomes.

Economy's as great an example as any of a program that not only got out of control, but became so prevalent - so accepted - that we came to take it for granted. Annotated link http://www.diigo.com/bookmark/http%3A%2F%2Fwww.boingboing.net%2F2008%2F09%2F23%2Fwhat-went-wrong.html

Meanwhile, local currencies had the opposite bias of centralized currency. Local currencies lost value over time. They were really just receipts on the amount of grain that farmer had brought to the grain store. Since some of that grain was lost to rats or water, and since the grain store had to be paid, money devalued each year. This meant the money was biased towards being spent. That's why reinvestment in infrastructure as a percent of total revenue was so high in the late Middle Ages. It's why they built those cathedrals. They were local efforts, by people looking to invest their abundant wealth into real assets for their communities' future. (Cathedrals were built to attract pilgrims and tourism.) Since the purpose of the Renaissance innovations was to keep the currently wealthy wealthy, the currency was biased to favor those who had it - and could mete it out at high interest rates to those who needed it for their transactions.

Money can be just as open source as any other operating system. It used to be.

explaning the american economic crisis

In a post published earlier today, John Robb claims that as “there is reason to believe that costs of higher education (direct costs and lost income) are now nearly equal (in net present value) to the additional lifetime income derived from having a degree…this situation has all the earmarks of a bubble. A bubble that will soon burst as median incomes are adjusted downwards to global norms over the next decade.

James Levy: Learning Is Not A Spectator Sport

"In a post published earlier today, John Robb claims that as “there is reason to believe that costs of higher education (direct costs and lost income) are now nearly equal (in net present value) to the additional lifetime income derived from having a degree…this situation has all the earmarks of a bubble. A bubble that will soon burst as median incomes are adjusted downwards to global norms over the next decade."

John Robb claims that as “there is reason to believe that costs of higher education (direct costs and lost income) are now nearly equal (in net present value) to the additional lifetime income derived from having a degree…this situation has all the earmarks of a bubble. A bubble that will soon burst as median incomes are adjusted downwards to global norms over the next decade.

extra

headphones

list of things you can't afford to cheap out on, because doing so will bite you in the ass later. Still, since we like you, we're also sharing how to save a bit of money in the process, so the whole not-cheaping-out thing doesn't hurt as much.

As far as I'm concerned, there are three real options: PayPal Website Payments Pro; Braintree Gateway + Account; Authorize.net + Merchant Account

Online payments are a bitch. Just over a decade ago, you had to hook up your online commerce system to an actual terminal that would send bleeps and bloops to the gateways, but even today, it's not much better. There are still a plethora of players who have to touch your information to process a simple credit card transaction, and each and every one of them gets to take a little bit of your money and introduce their own technical hassles. While there are never any easy answers - every option has pretty severe tradeoffs - I'm going to try to shed some light on how the process works and look at some of the major players/options you have for accepting payments on your website.

Cert of dep

in the allowed number of devices, then power strips are safe, says Kielich. Just don't plug your power strip into another power strip, or you run the risk of creating an overload.

facts and fiction

As a white-collar criminologist and former financial regulator much of my research studies what causes financial markets to become profoundly dysfunctional. The FBI has been warning of an "epidemic" of mortgage fraud since September 2004. It also reports that lenders initiated 80% of these frauds.1 When the person that controls a seemingly legitimate business or government agency uses it as a "weapon" to defraud we categorize it as a "control fraud" ("The Organization as 'Weapon' in White Collar Crime." Wheeler & Rothman 1982; The Best Way to Rob a Bank is to Own One. Black 2005). Financial control frauds' "weapon of choice" is accounting. Control frauds cause greater financial losses than all other forms of property crime -- combined. Control fraud epidemics can arise when financial deregulation and desupervision and perverse compensation systems create a "criminogenic environment" (Big Money Crime. Calavita, Pontell & Tillman 1997.)

article with top swapping websites

RT @ddudgeon & @andreaexpat #Freelancers The scariest pricing idea ever. Would u do it? http://bit.ly/bIAsKL RT @nona_jordan @freelancery

It goes like this. Instead of quoting a fee or negotiating a price in advance, you tell the client: “Here’s what I suggest. Let me jump in and do the work as we discussed. I’ll hit this as hard as I know how, and make it as good as can be done.” “When we’re finished, just pay whatever you feel the work was worth, based on what it contributed to your overall project.” “I’ll accept whatever you decide, no questions asked. Provided it is more than a buck sixty-five.” Scary? Absolutely. Risky? Maybe a little. Foolhardy and stupid? Not at all.

Getting clients to "fill-in-the-blank" on the invoice.

Very interesting: The scariest pricing idea ever. That works - http://bit.ly/9MXGsl - Will you try it? #smpricing – Smashing Magazine (smashingmag) http://twitter.com/smashingmag/statuses/12762457741

always one step ahead ; http://www.ft.com/cms/s/0/49b1654a-ed60-11dd-bd60-0000779fd2ac.html?nclick_check=1

"By contrast, Soros sees the current crisis as a real-life illustration of reflexivity. Markets did not reflect an objective “truth”. Rather, the beliefs of market participants – that house prices would always rise, that an arcane financial instrument based on a subprime mortgage really could merit a triple-A rating – created a new reality. Ultimately, that “super-bubble” was unsustainable, hence the credit crunch of 2007 and the recession and financial crisis of 2008 and beyond."

The last generation of frugal millionaires saw the careful preservation of cash and conservative personal finance as essential to survival. These rich individuals gained their wealth slowly through careful planning and extreme saving. By living below their means, these individuals created freedom in their lives, and a buffer from the economic problems over the last decades. Precursors to the newest generation of frugal, yet generous millionaires, the following individuals broke many myths regarding the way that wealth can be generated and spent.

A diagram comparing the cost of the current economic crisis with large and costly events in US history

It is exceedingly difficult to convey exactly how much we are spending on all these bailouts. Whenever I start talking trillions (versus mere billions), I get puzzled looks from people. Humans have a hard time conceptualizing any number that large. I wanted a graphic way to clearly show how astonishingly ginormous the amounts involved were. So I once again went to Jess Bachman at Wallstats. I gave him my list of expenditures (inflation adjusted of course!) and he went to work. This early Bailout Nation graphic shows the the total costs to the taxpayer of all the monies spent, lent, consumed, borrowed, printed, guaranteed, assumed or otherwise committed. It is nothing short of astonishing.

18 jun 09 / early Bailout Nation graphic shows the the total costs to the taxpayer of all the monies spent, lent, consumed, borrowed, printed, guaranteed, assumed or otherwise committed. It is nothing short of astonishing. It includes the total outlay for all the bailouts to date. In just about one short year (March 2008 - March 2009), the bailouts managed to spend far in excess of nearly every major one time expenditure of the USA, including WW1&2 (omitted from graphic), the moon shot, the New Deal, total NASA budgets (omitted from graphic), Iraq, Viet Nam and Korean wars — COMBINED.

CNNMoney.com

Columbia/EC is #8 overall, but Omaha #8 on home affordability, other NE towns (Columbus) on short commute

imagebank tool

Stock Photos

I don't love her, but she sure says it like it is. Nice Q & A on investing, student loans, debts, etc..

When someone tells you to invest in a stock because it was up 40 percent in two months, ask yourself: “is that normal?” When someone tells you to put all your money in technology stocks because they have doubled in value in one year, ask yourself: “is that return normal?” When you buy a home on the expectation that values will rise 20 percent per year, ask yourself: “is that normal?”

Great financial advice to refer back to from time to time

Earlier this week, we solicited your questions for Suze Orman. You asked about paying college debt, choosing a good retirement plan, and — especially with a week like this — how safe your money is. In her answers below, Orman also offers a question to ask whenever deciding what to do with your money:

「商売とは、この最低限の金額に利益を乗せた「適正価格」でするものだ」

日本電産を率いる永守重信社長が「脱帽」した会社がある。「何がすごいって、利益率がとんでもなく高い。37期連続で35％を超えてます。何でそんなことが可能なのか。それは圧倒的な短納期という強みがあるからです。ウチもようけ（たくさん）エーワン精密さんから買うてますが、『ちょっと値段まけて』と言いたくても、よう言えへんのです（笑）」（永守氏）

最低限の金額に利益を乗せた「適正価格」でするものだ。梅原氏はそう固く信じてい

"品質を維持できる「材料費」、社員の懸命の働きに報いるだけの「給料」、将来のための「設備資金」を賄える価格でなければ、話にならない。商売とは、この最低限の金額に利益を乗せた「適正価格」でするものだ。"

Annotated link http://www.diigo.com/bookmark/http%3A%2F%2Flifehacker.com%2F5539907%2Fa-savvy-travelers-guide-to-vacationing-abroad

The unprecedented expansion of the money supply could make the '70s look benign. - ARTHUR B. LAFFER

Freedom of Information

"The only reason we know anything about all those claims for light bulbs and moat cleaning is that campaigning journalist Heather Brooke has spent the last five years fighting tooth and nail for MPs to come clean about their expenses ..."

"The only reason we know anything about all those claims for light bulbs and moat cleaning is that campaigning journalist Heather Brooke has spent the last five years fighting tooth and nail for MPs to come clean about their expenses."

The only reason we know anything about all those claims for light bulbs and moat cleaning is that campaigning journalist Heather Brooke has spent the last five years fighting tooth and nail for MPs to come clean about their expenses ...

わかりやすかった

5 Passive Income Opportunities for Freelancers

Sell Stock Work, Create Niche Resources, Develop Merchandise, Sell Subscriptions, and Offer Side Items to Your Current Clients.

記事のフッタ／サイトのフッタは重要だよな

People are starting to think more about saving–and investing–than spending, which is perhaps the sole upside to the market turmoil. Being an investing geek has become much more socially acceptable, and companies are taking notice. In the last few weeks, several start-ups and familiar names have added, changed or completely revamped their online investing offerings. There are so many nest-egg incubators out there that we haven’t even had a chance to dive fully into them all. Here’s what’s new: - Investment research firm Morningstar has relaunched its home page with more analytic content upfront. Fund fanatics will relish the new reports (still in beta) that allow you to research past fund performance and what their stakes are. It’s charts all over the place, but much more engaging than a prospectus. Besides monitoring your own investments, you can also share your portfolio with other users and get a star rating.

social-networking sites for investing

Just in time for the recession, some new tools for monitoring your portfolio online. Here's a quick guide.

People are starting to think more about savingand investingthan spending, which is perhaps the sole upside to the market turmoil. Being an investing geek has become much more socially acceptable, and companies are taking notice.

卡奴是如何炼成 http://www.mint.com/blog/wp-content/uploads/2009/06/creditcardhell3.jpg

pds

When used wisely, credit cards can be the cornerstone of a sound financial strategy. A solid credit history makes you a good credit risk and that in turn allows you to purchase the necessities of life. But credit cards can also be a slippery slope. One misstep and you’ll tumble into the abyss of credit card debt hell, a mounting spiral of missed payments, fees, high APRs, and rate increases that will take years to recover from. Only by remaining vigilant can you hope to avoid this fate. Here’s our guide to what you may experience on the way down.

mmm, reminds me to top mine up. oooh for real-time banking!

A Tally of Federal Rescues http://nyti.ms/cwSSVf Mind blowing ! The New York Times > Week in Review > Image >

visualization of the recent bailout

Need some time to wrap my head around these figures

Comment 42: William: "That, and our economy runs on paper money that the world doesn't accept as currency due to no gold standard. See the financial reasons for war in Iraq and Iran being next due to both economies no longer accepting US Dollars as main trade currency, instead switching to the Euro for its more stable fluctuation in value. When the US buys, the US prints, thus inflating their own economy, essentially taking it out on US citizens, and devaluing the money the foreign sellers recieve. They get tired of taking $9.50 worth of bills at which time of agreement was worth $10; in which time we declare them an international threat and takeover their government to re-establish the dollar as currency to maintain the image in the world. One large economic nation such as China or India stopping trade in US Dollars and our economy is finished." -- Basically

Corn Fritters; Pasta w/ Smoked Oysters; Griddled Pineapple

Gourmet canned food

TripLittle is aimed at both personal and business travelers alike, providing simple to use tools for all of your travel planning and organizational needs. Easily manage and share your plans with anyone. // Features Budget // Itinerary // Packing lists // Sharing options

用来计划一次旅行的好工具，从金钱，计划，到协作等。当然是要付费的！ 目前这个网站感觉有些不稳定，大概是突然增加了很多用户吧。

線上行程、預算計算

The "problem" with these posts is that they make it seem as if the poor have no excuse for not eating well...

Fascinating blog about coupons and urban foraging.

Below I have compiled a list of over 350 web sites, tools and resources that I believe can help you make more money online in one way or another.

Totally crazy photos from a raid of mexican drug lord's home, displaying money (LOTS), weapon (gold plated) and wild animals (i.e. the villa's zoo). Did I say crazy?

http://www.activeboard.com/forum.spark?aBID=133200&p=3&topicID=35778276

How To Become a Millionaire In Three Years | Jason L. Baptiste http://bit.ly/apxllI

forget about the headline - these advices are simple and clever

A list of strategies an entrepreneur should employ. Some of them seem to contradict each other but worthy of occasional review.

RT @draenews: Del A Simple Way to Become Wealthy - Yahoo! Finance: http://yhoo.it/c1FEH8

"I gave excuses why I couldn't invest and then he said something that changed my thinking: saving and investing isn't hard. You just have to treat it like a bill. 'To max out your Roth IRA, divide by 12 and send that amount each month. Even easier, go to the finance office and set up an automatic allotment from your paycheck, and YOU'LL NEVER THINK ABOUT IT AGAIN.' [Perfect!] It's not that I didn't have enough money to invest. I just wasn't prioritizing how I used it. This forced me to make it part of my budget. That 15 minute conversation changed my life and might just make me a millionaire. Three reasons you should consider automatic investing. 1. It's easy. No remembering. Set it up once, and it gets done. 2. There's no emotional barrier. It's difficult to write a check each month when you have current wants. This helps you stick to long term plans. 3. You don't try to time the market. For the average investor, dollar cost averaging is best.

My first real job was as a junior enlisted member of the United States Air Force. I had great benefits, but as a low ranking

A Simple Way to Become Wealthy

LOL THEY DON'T

Visual Economics Great Site for Personal Finance and Econ classes

First comment is the best.

21 Things You Should Never Buy New - Yahoo! Finance - http://goo.gl/8CWU

Millionaires

Use with Marnie's charity

layout -homepage

A simpler bank that is easy to use. A bank that treats you with respect. No extraneous features. No hidden fees.

Neue Bank ???

via: http://ma.tt/2010/05/banksimple/

For Micro Workers

時間とお金を失う方法。投資といってお金を使う。仕事に見えることをして時間を使う。これではまずい、と思う本能をごまかしてしまう。

RT @draenews: Del Bitcoin P2P Cryptocurrency | Bitcoin: http://www.bitcoin.org/

Bitcoin is a peer-to-peer network based digital currency. Peer-to-peer (P2P) means that there is no central authority to issue new money or keep track of transactions. Instead, these tasks are managed collectively by the nodes of the network.

Hmm P2P encryption online free banking service, looks very insecure

Too often, a vast collection of possessions ends up possessing its owner. The asset I most value, aside from health, is interesting, diverse, and long-standing friends. My wealth has come from a combination of living in America, some lucky genes, and compound interest. Both my children and I won what I call the ovarian lottery.

Warren Buffett has committed to giving away 99% of his wealth. Now, he explains his thinking in this remarkable op-ed.

"Fate's distribution of long straws is wildly capricious." - Warren Buffett / I have huge respect for this man. http://bit.ly/dlgWg4

Top 5 Ways to Earn Immediate Cash Online: Saved from instachrome extension http://bit.ly/c8SZMi

notes for marketing internet

This is a great site about penny stocks. It is obvious the creator of this website knows what he is talking about, best of all this information is absolutely free!

You would have already saved money if you have an Android instead of a iPhone! But here is another thing: we are going to tell you how you can save more money using an Android. So we have compiled a list of apps that you need to get your hands on so that they can be away from that fat wallet.