web internet marketing

Earlier this month, I attended the MSC Malaysia MAD TechVentures Conference 2010 in Kuala Lumpur, a two-day tech and web industry event organized by local company MAD Incubator and MSC Malaysia. The launch pad was one of the first of its kind in the country whose Internet and mobile population has been growing rapidly in recent years. (TechCrunch contributor Vivek Wadhwa, coincidentally in town, delivered the opening speech.)

TechVentures is essentially a platform for Malaysia’s startups to demo their services on stage to an audience and a panel of judges, both of whom selected a handful of companies (out of 22) as winners. The nine lucky companies received advertising and marketing prizes valued at a total of 1.5 million Ringgit (US$500,000).

Here are thumbnail sketches of all 22 companies that presented during the MAD TechVentures Conference 2010:

MAD TechVentures Conference 2010: Winner of the Grand Prize

Xilnex by Web Bytes

Xilnex is a Saas-based retail management solution specifically developed for SOHO, small and medium-sized companies, startups, small and medium chain retailers and franchise retailers. The solution can be used for customer and service management, point of sales management, inventory control, services tracking etc. Xilnex also integrates an e-commerce solution (items in the inventory can be automatically pushed to online catalogues) and a number of reporting and marketing tools.

MAD TechVentures Conference 2010: Panel-selected winners

Aiyo!CONNECT by Terato Tech (winner of the category: Mobile and Communication)

Malaysia-based iPhone, iPad and Android development company Terato Tech (iTunes) showed Aiyo!CONNECT, a publishing engine that makes it possible to convert printed material (magazines, books, brochures etc.) to the iPad “in seconds”. Users can then edit content directly on the iPad through a special editor. Here‘s a sample magazine Terato themselves created with the engine.

Math Quest by HezMedia Interactive (winner: Games and Creative Content)

Math Quest is an online edutainment game designed to teach mathematics to children aged between 9 and 12 through avatars, quests, mini games and other elements. The RPG-like game is created in Flash, entirely playable in the browser but also available (in Malaysia) on CD-ROM. Maker Hezmedia is currently preparing an MMORPG version that’s due out in 2011 and for which the startup is looking for international business partners.

ooView by e-Trifecta Solutions (winner: Business Applications and Productivity)

ooView is an augmented reality framework designed for desktop (ooView Suite), web (ooView Extended) and mobile (ooView Pocket) applications. The platform supports both object- and marker-based tracking methods, with maker e-Trifecta offering solutions in a variety of fields, including digital marketing, events, education, or training.

Techsailor Community Connect by Techsailor Group (winner: Community and Social Networks)

Social media consultancy and online marketing company Techsailor presented Techsailor Community Connect, its white-label social platform for enterprises. Community Connect enables companies to “turn any website into an online customer engagement tool” through different social networking modules such as user profile pages, friend linkages, a messaging system, forums, media sharing functions, etc. Here are two examples for sites built on top of Community Connect (more here).

Capsuco (winner: Subscription and Commerce Marketplace)

Capsuco is an online art and graphics store offering customizable products (mainly T-shirts at this point) from artworks submitted by independent artists (who earn a share from each sale of any product featuring their artwork). Online payment is still a big hurdle for e-commerce in South East Asia, which is why the startup is planning to offer pre-paid “Capsuco Cards” in selected brick-and mortar retail stores in Malaysia. Capsuco, which launched in July 2010, is based out of Kuala Lumpur but plans to move to other markets in South East Asia soon (beginning with Singapore).

Xilnex (the winner of the Grand Prize) also won the MAD TechVentures prize in the Cloud Computing, SaaS and Web Applications category – as judged by the panel.

MAD TechVentures Conference 2010: Audience-selected winners

MyMall by Convep Mobilogy (winner: Mobile and Communication)

Kuala Lumpur-based Convep, which develops mobile applications for a number of platforms, presented MyMall at the event, a suite of apps, which are available for the iPhone (iTunes) and Blackberry. Each app helps users navigate through a different shopping mall in Malaysia, for example by providing maps, store directories, different search functions, electronic coupons, event information etc.

Trosworld by Scandic Corporation (winner: Subscription and Commerce Marketplace)

Trosworld is a B2C online mall that offers Malaysia’s 60%+ small- and medium-sized businesses that are still offline a simple CMS to bring their products to the web. Subscribers to Trosworld’s so-called VIP Store solution can get their own domain name and hosting on the platform, list up up to 4,000 products, use the integrated order and inventory system, let buyers pay through multiple payment gateways, etc. Trosworld provider Scandic offers offline guidance for VIP Store merchants, for example workshops in the real world or phone support.

JustSAMit by ISA Innovation (winner: Cloud Computing, SaaS and Web Applications)

JustSAMit is a cloud-based IT Asset Management solution specifically geared towards small- and medium-sized businesses. The service not only keeps track of what kind of hardware is being used in a given company but also helps to control software usage on computers that are in the asset list. JustSAMit, which currently requires an invitation, also wants to support clients to keep up-to-date by benchmarking their IT equipment with relevant industry vertical trends by location.

The three panel-selected winners Math Quest, Techsailor Community Connect and ooView also won the audience awards in their respective categories.

Here are the 13 other startups that made it to the MAD TechVentures finals but didn’t quite make the cut:

• mobile augmented reality platform by Clarify Consulting


• mobile content platform Happy Ring Ring


• monetization solution for social games Sogamo by ZelRealm Interactive


• knowledge management system Qryos by BCZ IT Solutions


• GPS tracking solution by bBat


• tree maintenance system TREEMAIS by Urban Headline


• SaaS based business activity management solution KPIMatrix by Suzerein


• sports portal Hooha Asia


• real-time, location-based sales and promotions platform GetTodo by Aveniq


• e-commerce website solution HanWebFusion by Hanventure Worldwide


• Joomla-based website builder for businesses Joomware by Juzit


• task management solution TaskTwister by KH Software Services


• wimax network performance analyzer by Syndes Technologies

MAD Incubator and co-organizer MSC Malaysia already expect to have another TechVentures Conference in Kuala Lumpur next year.

To keep up-to-date about Malaysia’s web scene, head over to the Entrepreneurs.my blog or follow the Twitter account of Kuala Lumpur-based mover and shaker Daniel Cerventus. For more South East Asia-related information, have a look at the e27 and SGEntrepreneurs blogs or download the This Week In Asia tech podcasts.

Mobile texting paradoxically sounds like “old news” as far as new technologies are concerned. After all, we were able to send each other texts before our mobile phones even had color screens. While the Western world has focused on smartphones and flashy apps that let you pull up RSS feeds, find information, or fling exploding birds at structures, SMS marketing is still a hugely important part of our mobile lives.

Consider that while smartphone adoption has been slower than anticipated, nearly every mobile phone user in the U.S. is capable of sending and receiving text messages. Additionally, SMS has become increasingly important in developing countries where the penetration of feature phones far outnumber smartphones.

Companies or small business that can nail down their SMS marketing strategy, especially when the space is still ripe for innovation, can open up a number of opportunities. We spoke with four mobile experts for some tips, advice and insights on how to include SMS in a global business strategy.

Small Businesses Can Reach a Broader Consumer Base/>

There’s a huge population of consumers in the U.S. who do not own smartphones, notes Tom Cotney, CEO of mobile marketing firm Air2Web. “And if you’re going to provide some kind of customer service capability on mobile phones, you really need to reach as much of the population as possible.” That isn’t to say that mobile apps are useless, but having a way for text to complement or introduce those services can help you reach a larger base of people. This is especially true in developing countries where the percentage of smartphone users is even smaller.

Even though it may seem like global mobile marketing is just the purview of large, international companies, small businesses can also jump in. “We are a small business with no outside funding,” said John Pelphrey, CEO of One-Txt, an SMS broadcast service. “The trick is to find the right niche, something that you’re knowledgeable about and have some connections in and work it from there.” Pelphrey saw opportunities on continents like South America and Africa where cell phone access is more common than landlines or even open class='blippr-nobr'>Internetclass="blippr-nobr">Internet access. “Their first access to the outside world is their cell phone,” Pelphrey added.

The Mobile Phone is an Intimate Technology/>

It’s one thing to say there are opportunities in global mobile texting. It is another thing to come up with a plan and put it into action. For Pelphrey, a successful strategy is about intimacy and immediacy: “To have the right information for the right person and at the right time.”

Most expert advice focuses on capitalizing on the intimacy of a cell phone. “The mobile phone is the most personal form of technology there is, barring hearing aids and other medical technologies,” Cotney said. Rather than sending out a text blast, treat your messages like a conversation with the customer while offering them value: “You really need to offer consumers a foundational benefit as the primary reason for having a mobile relationship with you.”

Limitations/>

Of course, mobile texting isn’t all just sunshine and rainbows. There are some key limitations to consider before jumping in. First, SMS is necessarily limited by its character limit. In the U.S., text messages are limited to 160 characters — which is fine if you’re checking in with friends but more difficult when you’re trying to connect with or sell to consumers. That limit further varies by country. While Asian countries are closer to 70 characters, their individual characters usually have more meaning than Western letters.

There’s also the problem of getting your message to its destination. “There’s no single international body that goes and hands out short codes,” said Andrew Kenney, Chief Operating Officer at ONEsite. “You have to get one for a specific region. Carriers won’t deal with the particular brands.” After that middleman, it’s important to think of how your audience receives your messages. Not everyone has premium messaging or unlimited texts, Kenney warned. Texts can be expensive for your consumers, so make sure there’s value to make it worthwhile.

Ideally you could set up regional offices to best understand the communities you’re contacting. If that’s out of the budget, try to set up a contact already living in that community or do your research to make sure you know what times of day people are most social or what kind of information or language will be most effective. “Every country, every tribe, they’re all going to be different,” Pelphrey said. “You can’t take the lessons you learned in South America and take it to Africa. Those cultures are so distinct even within a few miles of each other.”

Is SMS Marketing Here to Stay?/>

One hesitation businesses have when it comes to SMS is determining if it is a dying breed of marketing, especially when faced with smartphones or the increasing emphasis on mobile apps. While SMS has greater reach, it also has less interactivity. “It’s certainly possible to set your DVR using text, but it’s not a great user experience,” said Griswold.

Anyone worried about text disappearing as a marketing tool should consider that 2008 was the first year that text messages outnumbered cell phone calls. Cotney cited a study that showed users get mobile text alerts seven times more than they used to with feature phones. “Text is not just a technology, it’s an actual type of interface,” Cotney said. “Usually the older a technology, the less frequently it will be used, but text will be around for a long time.”

Tips and Tricks/>

There are a lot of ways to approach SMS marketing, whether you’re a big company or a small startup looking to branch abroad. There are basic tips like offering your consumers real value, emphasizing intimacy, and being conscientious of cultural norms and traditions. Part and parcel, Kenney advised that “people should go do their research and they should pick partners that they can trust to build long-term relationships.”

Cotney emphasized reach, namely, how many people is your mobile strategy going to touch? While mobile apps may look nice, they can sometimes be a case of prioritizing new technology over a real strategy. “Have a strategy and incorporate how many people you’re going to be able to reach when the product actually gets out there.”

Still, it seems that the most pervasive advice was just to get started. “If businesses think they may want to do text, it’s never too early to collect numbers for the opt-in lists. There are lots of ways to do it…” Paul said. “You don’t have to have everything in place. By the time you do start, you’ll have a head start.”

The cell phone is really the first piece of technology that people started carrying with them all the time, Kenney said. We use it to find our friends or find information on a daily basis. That personal proximity and it’s social capability allow us to have an intimate relationship with our phones and what they can do. SMS is an immediate way to capitalize on those qualities without having to worry about downloading an app or compatibility issues. SMS, if done properly, is an effective way to reach customers both domestically and globally.

Series supported by UPS

The International Business Series is brought to you by UPS. Discover the new logistics. It levels playing fields and lets you act locally or globally. It’s for the individual entrepreneur, the small business, or the large company. Put the new logistics to work for you.

More Business Resources from Mashable:

- 5 Tips for Marketing Online to an International Audience/> - HOW TO: Build Your International Business Network Online/> - 5 Tips for Developing a Global-Friendly Website/> - HOW TO: Optimize Your Mobile Site Across Multiple Platforms/> - 15 Mobile Translation Apps for the International Businessperson

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto: fotosipsak & spxChrome

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Making Money Working

AT&T, T-MOBILE AND VERIZON WIRELESS ANNOUNCE JOINT VENTURE TO BUILD NATIONAL MOBILE COMMERCE NETWORK

Isis to Lead the U.S. Payments Industry from Cards to Mobile Phones; Available to All Merchants, Banks and Wireless Service Providers; Venture Led By Former GE Capital Financial Executive

New York – November 16, 2010 – AT&T Mobility, T-Mobile USA and Verizon Wireless today announced the formation of a joint venture chartered with building ISIS™, a national mobile commerce network that aims to fundamentally transform how people shop, pay and save.

Isis’ initial focus will be on building a mobile payment network that utilizes mobile phones to make point-of-sale purchases. By utilizing smartphone and near-field communication (NFC) technology to modernize the payments process, Isis intends to deliver new levels of competition and value to consumers and merchants. Isis expects to introduce its service in key geographic markets during the next 18 months.

Michael Abbott has been named as Chief Executive Officer of Isis. Formerly with GE Capital, Abbott is a veteran financial services executive with extensive experience in the payment and technology industries.

“Our mobile commerce network, through relationships with merchants, will provide an enhanced, more convenient, more personalized shopping experience for consumers,” said Michael Abbott, Chief Executive Officer of Isis. “While mobile payments will be at the core of our offering, it is only the start. We plan to create a mobile wallet that ultimately eliminates the need for consumers to carry cash, credit and debit cards, reward cards, coupons, tickets and transit passes.”

Isis Brings Both Consumer and Merchant Scale

Founding members, AT&T Mobility, T-Mobile USA and Verizon Wireless, collectively provide wireless services to more than 200 million consumers who will have access to the Isis service. Isis is working with Discover Financial Services’ payment network, currently accepted at more than seven million merchant locations nationwide, to develop an extensive mobile payment infrastructure for the joint venture.

Barclaycard US, part of Barclays PLC, is expected to be the first issuer on the network, offering multiple mobile payment products to meet the needs of every customer.

“We believe the venture will have the scope and scale necessary to introduce mobile commerce on a broad basis. In the beginning, we intend to fully utilize Discover’s national payment infrastructure as well as Barclaycard’s expertise in contactless and mobile payments,” said Abbott. “Moving forward, Isis will be available to all interested merchants, banks and mobile carriers.”

How It Works

The new venture will enable contactless mobile payment and commerce services using near-field communication technology. NFC uses short-range, high frequency wireless technology to enable the encrypted exchange of information between devices at a short distance. The new system is being designed and built to include strong security and privacy safeguards.

About Isis

The joint venture is between AT&T Mobility LLC, T-Mobile USA and Verizon Wireless and is based in New York City. The venture is chartered with building ISIS™, a national mobile commerce network that will fundamentally transform how people shop, pay and save. The Isis mobile commerce network will be available to all merchants, banks and mobile carriers. ISIS is a trademark of JVL Ventures, LLC in the U.S. and/or other countries. Other logos, product and company names mentioned herein may be the trademarks of their respective owners.

Talking of “Bush tax cuts” at this point, as so many seem to do when discussing the change in tax policy set to go into force this coming New Years Day, is beyond absurd.  What’s coming on Jan. 1, 2011 is the Obama Tax Increase — no less than the largest tax increase in our history, courtesy of a president who, last Tax Day, declared that working Americans should be “saying thank you” for the hefty check they had to write Uncle Sam in order to support the eternally vacationing president and his increasingly out-of-control federal bureaucracy.

At a time when copious amounts of smoke and mirrors are required to even create the illusion of an economic recovery in this country, the Obama tax increases are a disaster in the making that will drive the “progressive” knife further into the backs of the American working man and woman.

In their zealous, rigidly ideological desire to both fund their pet programs (like the $800 billion ”porkulus” project) and lavish state trips and to punish the nefarious “rich” who dared to be successful in a country built on merit-based reward, the president and his party — neither of whom are particularly perceptive when it comes to unintended consequences — are setting up the working class not only for an increase in taxes, but a decrease once again in employment and profitability.

The Obama Tax Increases aren’t, of course, limited just to those eeeevil “rich.” Rather, they will directly affect every American who currently pays into our bloated federal system, and in more than one way.

Back in July, Americans for Tax Reform released an outstanding one-pager on what we can expect when the Obama Tax Increases kick in January 1. Here are a few highlights:

- 10% [income tax] bracket rises to an expanded 15%

- The 25% bracket rises to 28%

- The 28% bracket rises to 31%

- The 33% bracket rises to 36%

- The 35% bracket rises to 39.6%

The marriage penalty will be expanded and the child tax credit reduced, and “the capital gains tax will rise from 15 percent this year to 20 percent in 2011. The dividends tax will rise from 15 percent this year to 39.6 percent in 2011. These rates will rise another 3.8 percent in 2013″ (ATR, same citation). Adding further insult and hardship to this is the return of the Death Tax, which is set to jump from 0 to 55%, meaning that over half of what you leave to your children when you die will go directly into Barack Obama and the Federal Government’s pockets. It may be time to start hiding that inheritance cash under a mattress or loose floorboard, unless you really do wish to will Obama & Co. as many rounds of golf and $200m/day Indian vacations as half-plus-five of your legacy can purchase.

The ramifications of the Obama Tax Increases for working class Americans are not limited to money being directly lifted from their paychecks and investment returns by the federal government, though. The fact is, even if the tax increases on the low and middle income portion of the work force (arguable and elastic designations both) are done away with by a lame duck session of the Democrat-led 111th Congress, and increases are put in place only for the “rich,” money — and, worse, jobs — will still be taken directly from working class Americans.

In June, economist Arthur Laffer wrote the following about the looming Obama Tax Increase:

…if people know tax rates will be higher next year than they are this year, what will those people do this year? They will shift production and income out of next year into this year to the extent possible. As a result, income this year has already been inflated above where it otherwise should be and next year, 2011, income will be lower than it otherwise should be.

Also, the prospect of rising prices, higher interest rates and more regulations next year will further entice demand and supply to be shifted from 2011 into 2010. In my view, this shift of income and demand is a major reason that the economy in 2010 has appeared as strong as it has. When we pass the tax boundary of Jan. 1, 2011, my best guess is that the train goes off the tracks and we get our worst nightmare of a severe “double dip” recession.

This was put much more casually and accessibly by Senator-elect Rand Paul (R-KY) on Tuesday night, when he responded to Wolf Blitzer’s on-air inquiry about the wisdom of a tax increase “on only the wealthiest Americans — those making $250,000 a year or more.” Paul said (paraphrase), “We all make a living working for, or selling things to, ‘rich’ people,” so taking more money out of their pockets directly affects the people whose livelihoods depend on that work and those sales.

Spot on.

Unfortunately, extravagant vacations and failed spending programs require capital — and the easiest way for the current administration to gain that is to simply take more of it, at the point of a gun, from the people who currently have it.

As Nathan Wurtzel wrote Wednesday on Twitter, following the president’s amazingly out-of-touch post-election press conference, “People who are scared of freedom bitterly cling to their government and spending” — a play (albeit a true one) on the ivory tower president’s campaign statement that when those wrong-headed, uneducated Americans “get bitter, they cling to guns or religion or antipathy to people who aren’t like them or anti-immigrant sentiment or anti-trade sentiment as a way to explain their frustration.”

Given the penchant this president and his party have already shown for thumbing their collective nose at the wishes of the American people (on the “stimulus,” on Obamacare, etc.), and for referring to those who dare question their policies as “unpatriotic, “dangerous to our democracy” and “our enemies,” it should be no surprise that the outcry of the citizenry, demonstrated both in protests and at the ballot box, would be swept aside by “progressives” who clearly believe they simply know better than everybody else what this country and its people need.

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

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

Last Look: Style <b>News</b> You Might Have Missed (PHOTOS, POLL)

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Miller returns to net tonight - Sabres Edge - Blogs - The Buffalo <b>News</b>

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

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

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

Last Look: Style <b>News</b> You Might Have Missed (PHOTOS, POLL)

Welcome to Last Look, where we round up the Style scraps that didn't make it to our news page this week. Click through and catch up on what else happened since Monday!

Miller returns to net tonight - Sabres Edge - Blogs - The Buffalo <b>News</b>

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

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AT&T, T-MOBILE AND VERIZON WIRELESS ANNOUNCE JOINT VENTURE TO BUILD NATIONAL MOBILE COMMERCE NETWORK

Isis to Lead the U.S. Payments Industry from Cards to Mobile Phones; Available to All Merchants, Banks and Wireless Service Providers; Venture Led By Former GE Capital Financial Executive

New York – November 16, 2010 – AT&T Mobility, T-Mobile USA and Verizon Wireless today announced the formation of a joint venture chartered with building ISIS™, a national mobile commerce network that aims to fundamentally transform how people shop, pay and save.

Isis’ initial focus will be on building a mobile payment network that utilizes mobile phones to make point-of-sale purchases. By utilizing smartphone and near-field communication (NFC) technology to modernize the payments process, Isis intends to deliver new levels of competition and value to consumers and merchants. Isis expects to introduce its service in key geographic markets during the next 18 months.

Michael Abbott has been named as Chief Executive Officer of Isis. Formerly with GE Capital, Abbott is a veteran financial services executive with extensive experience in the payment and technology industries.

“Our mobile commerce network, through relationships with merchants, will provide an enhanced, more convenient, more personalized shopping experience for consumers,” said Michael Abbott, Chief Executive Officer of Isis. “While mobile payments will be at the core of our offering, it is only the start. We plan to create a mobile wallet that ultimately eliminates the need for consumers to carry cash, credit and debit cards, reward cards, coupons, tickets and transit passes.”

Isis Brings Both Consumer and Merchant Scale

Founding members, AT&T Mobility, T-Mobile USA and Verizon Wireless, collectively provide wireless services to more than 200 million consumers who will have access to the Isis service. Isis is working with Discover Financial Services’ payment network, currently accepted at more than seven million merchant locations nationwide, to develop an extensive mobile payment infrastructure for the joint venture.

Barclaycard US, part of Barclays PLC, is expected to be the first issuer on the network, offering multiple mobile payment products to meet the needs of every customer.

“We believe the venture will have the scope and scale necessary to introduce mobile commerce on a broad basis. In the beginning, we intend to fully utilize Discover’s national payment infrastructure as well as Barclaycard’s expertise in contactless and mobile payments,” said Abbott. “Moving forward, Isis will be available to all interested merchants, banks and mobile carriers.”

How It Works

The new venture will enable contactless mobile payment and commerce services using near-field communication technology. NFC uses short-range, high frequency wireless technology to enable the encrypted exchange of information between devices at a short distance. The new system is being designed and built to include strong security and privacy safeguards.

About Isis

The joint venture is between AT&T Mobility LLC, T-Mobile USA and Verizon Wireless and is based in New York City. The venture is chartered with building ISIS™, a national mobile commerce network that will fundamentally transform how people shop, pay and save. The Isis mobile commerce network will be available to all merchants, banks and mobile carriers. ISIS is a trademark of JVL Ventures, LLC in the U.S. and/or other countries. Other logos, product and company names mentioned herein may be the trademarks of their respective owners.

Talking of “Bush tax cuts” at this point, as so many seem to do when discussing the change in tax policy set to go into force this coming New Years Day, is beyond absurd.  What’s coming on Jan. 1, 2011 is the Obama Tax Increase — no less than the largest tax increase in our history, courtesy of a president who, last Tax Day, declared that working Americans should be “saying thank you” for the hefty check they had to write Uncle Sam in order to support the eternally vacationing president and his increasingly out-of-control federal bureaucracy.

At a time when copious amounts of smoke and mirrors are required to even create the illusion of an economic recovery in this country, the Obama tax increases are a disaster in the making that will drive the “progressive” knife further into the backs of the American working man and woman.

In their zealous, rigidly ideological desire to both fund their pet programs (like the $800 billion ”porkulus” project) and lavish state trips and to punish the nefarious “rich” who dared to be successful in a country built on merit-based reward, the president and his party — neither of whom are particularly perceptive when it comes to unintended consequences — are setting up the working class not only for an increase in taxes, but a decrease once again in employment and profitability.

The Obama Tax Increases aren’t, of course, limited just to those eeeevil “rich.” Rather, they will directly affect every American who currently pays into our bloated federal system, and in more than one way.

Back in July, Americans for Tax Reform released an outstanding one-pager on what we can expect when the Obama Tax Increases kick in January 1. Here are a few highlights:

- 10% [income tax] bracket rises to an expanded 15%

- The 25% bracket rises to 28%

- The 28% bracket rises to 31%

- The 33% bracket rises to 36%

- The 35% bracket rises to 39.6%

The marriage penalty will be expanded and the child tax credit reduced, and “the capital gains tax will rise from 15 percent this year to 20 percent in 2011. The dividends tax will rise from 15 percent this year to 39.6 percent in 2011. These rates will rise another 3.8 percent in 2013″ (ATR, same citation). Adding further insult and hardship to this is the return of the Death Tax, which is set to jump from 0 to 55%, meaning that over half of what you leave to your children when you die will go directly into Barack Obama and the Federal Government’s pockets. It may be time to start hiding that inheritance cash under a mattress or loose floorboard, unless you really do wish to will Obama & Co. as many rounds of golf and $200m/day Indian vacations as half-plus-five of your legacy can purchase.

The ramifications of the Obama Tax Increases for working class Americans are not limited to money being directly lifted from their paychecks and investment returns by the federal government, though. The fact is, even if the tax increases on the low and middle income portion of the work force (arguable and elastic designations both) are done away with by a lame duck session of the Democrat-led 111th Congress, and increases are put in place only for the “rich,” money — and, worse, jobs — will still be taken directly from working class Americans.

In June, economist Arthur Laffer wrote the following about the looming Obama Tax Increase:

…if people know tax rates will be higher next year than they are this year, what will those people do this year? They will shift production and income out of next year into this year to the extent possible. As a result, income this year has already been inflated above where it otherwise should be and next year, 2011, income will be lower than it otherwise should be.

Also, the prospect of rising prices, higher interest rates and more regulations next year will further entice demand and supply to be shifted from 2011 into 2010. In my view, this shift of income and demand is a major reason that the economy in 2010 has appeared as strong as it has. When we pass the tax boundary of Jan. 1, 2011, my best guess is that the train goes off the tracks and we get our worst nightmare of a severe “double dip” recession.

This was put much more casually and accessibly by Senator-elect Rand Paul (R-KY) on Tuesday night, when he responded to Wolf Blitzer’s on-air inquiry about the wisdom of a tax increase “on only the wealthiest Americans — those making $250,000 a year or more.” Paul said (paraphrase), “We all make a living working for, or selling things to, ‘rich’ people,” so taking more money out of their pockets directly affects the people whose livelihoods depend on that work and those sales.

Spot on.

Unfortunately, extravagant vacations and failed spending programs require capital — and the easiest way for the current administration to gain that is to simply take more of it, at the point of a gun, from the people who currently have it.

As Nathan Wurtzel wrote Wednesday on Twitter, following the president’s amazingly out-of-touch post-election press conference, “People who are scared of freedom bitterly cling to their government and spending” — a play (albeit a true one) on the ivory tower president’s campaign statement that when those wrong-headed, uneducated Americans “get bitter, they cling to guns or religion or antipathy to people who aren’t like them or anti-immigrant sentiment or anti-trade sentiment as a way to explain their frustration.”

Given the penchant this president and his party have already shown for thumbing their collective nose at the wishes of the American people (on the “stimulus,” on Obamacare, etc.), and for referring to those who dare question their policies as “unpatriotic, “dangerous to our democracy” and “our enemies,” it should be no surprise that the outcry of the citizenry, demonstrated both in protests and at the ballot box, would be swept aside by “progressives” who clearly believe they simply know better than everybody else what this country and its people need.

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

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

Last Look: Style <b>News</b> You Might Have Missed (PHOTOS, POLL)

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

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

Last Look: Style <b>News</b> You Might Have Missed (PHOTOS, POLL)

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Miller returns to net tonight - Sabres Edge - Blogs - The Buffalo <b>News</b>

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

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Making Money Cash

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Fox <b>News</b> Decoded - Swampland - TIME.com

What do you do to amp ratings after you've won a big victory at the polls and the public has wandered off to start celebrating the holidays? At Fox News, the answer is obvious: you up the ante.

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bench craft company rip off

Fox <b>News</b> Decoded - Swampland - TIME.com

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Fox <b>News</b> Decoded - Swampland - TIME.com

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bench craft company rip off

Fox <b>News</b> Decoded - Swampland - TIME.com

What do you do to amp ratings after you've won a big victory at the polls and the public has wandered off to start celebrating the holidays? At Fox News, the answer is obvious: you up the ante.

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how to manage personal finances

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eric seiger

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

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

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

Fox <b>News</b> Decoded - Swampland - TIME.com

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

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

Fox <b>News</b> Decoded - Swampland - TIME.com

What do you do to amp ratings after you've won a big victory at the polls and the public has wandered off to start celebrating the holidays? At Fox News, the answer is obvious: you up the ante.

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

eric seiger

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

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

Fox <b>News</b> Decoded - Swampland - TIME.com

What do you do to amp ratings after you've won a big victory at the polls and the public has wandered off to start celebrating the holidays? At Fox News, the answer is obvious: you up the ante.

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

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

eric seiger
eric seiger

eric seiger
eric seiger

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

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

Fox <b>News</b> Decoded - Swampland - TIME.com

What do you do to amp ratings after you've won a big victory at the polls and the public has wandered off to start celebrating the holidays? At Fox News, the answer is obvious: you up the ante.

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

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

managing personal finances

A survey released today by Javelin Strategy & Research, which serves financial institutions, found in August that nearly one in five Americans doesn't monitor or manage their personal finances. That rate is double what it was just a year ago. Despite the fact the recession has made it more important than ever to carefully track our money, when it comes to personal finances, 19% of Americans stuck their head in the sand. A year before, another survey had the figure at just 8%.



More anxiety-induced news: The percentage of Americans who say they sometimes log onto their checking account balances with their banks' websites dropped to 46%, down 13 points from 59% a year ago. Even those who track their money by pen and paper dropped, from 50% to 46%.




"It's a natural human reaction to stress: 'Maybe if I don't look at it, it will go away.'" explains the study's co-author, senior analyst Mark Schwanhausser. "I think you have fewer people checking their finances online because they don't like what they're seeing. 'I'm going to be a financial sleepwalker. I'm not going to look.'"



Schwanhausser's prescription for the problem involves convincing America's major financial institutions that they're doing a lousy job helping make it easier and less stressful for their customers to track their money. "It's not enough to tell you how to fix the toilet," he says. "You've got to have the wrench."



Yet despite the fact that most Americans' money resides at a bank, few banks are interested in furnishing financial planning tools. Right now, Schwanhausser argues, most people are required to log into a wide variety of websites to track their money. For example, 75% of Americans who have a credit card get it from somewhere other than their primary bank, meaning their finances are scattered across many websites, unreconciled.



When people do turn to their bank's websites, he argues, the financial planning tools are nearly non-existent despite the fact our society increasingly demands greater personal control through technology. "Today's online banking is like having avocado green appliances from the 1970s. It just doesn't cut it," says Schwanhausser.



Schwanhausser is using the survey to convince banks that it will actually endear customers to them if they put personal finance tools front and center on their sites, helping customers paint a clear picture of their own financial habits. He's pressing them to develop systems, both on the Web and through mobile apps, that can draw in customers' information from other sites, such as credit cards and mortgage lenders, so financial care-taking can be a one-stop process.



So far, banks and lenders have been slow to use existing technology to make money management a less daunting chore. Part of the issue is that many banks don't want to acknowledge competitors by drawing in account balances from elsewhere. Banks also stand to make money off poor financial planning through penalties and fees. Like a doctor who makes money off treating disease, promoting financial good health does not on the surface appear to be in a bank's best interest.



"You can't manage what you don't measure," says Schwanhausser. "And if the bank's not going to provide it for you, you have to go get it in other places."



He recommends existing aggregators such as Mint.com, which pulls your data from multiple sources and lays it out in spreadsheets and in spending plans, as a model for what all the banks should be doing for their customers.



He also notes that Bank of America's "My Portfolio" and Wells Fargo's "My Savings Plan" are two fledgling, if little-known, bank-created features that are slowly reaching toward the sort of comprehensive personal finance planning features he advocates.



As long as it remains difficult or scary, though, when it comes to their finances, Americans will remain more likely to use the Ostrich Method.

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

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

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

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How to Manage Your Money

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

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

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

Mint

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

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

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

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

Thrive

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

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

Texthog

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

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

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

Venmo

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

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

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

Owe Me Cash

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

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

Conclusion

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

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

Image Credit: marema

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autosport.com - F1 <b>News</b>: F1 closing on HD coverage for 2011

Formula 1 is close to giving the final green light for High Definition television coverage of the sport to begin from the first race of the 2011 season, AUTOSPORT has learned.

The Inevitable Taiwanese <b>News</b> Animation about the TSA&#39;s Touching <b>...</b>

Does anyone know if this animation, or any of these CGI clips from NMA.tv, actually appeared on TV news in Taiwan? Because their website seems more like it's mostly an online thing - I would love to see video of this actually being ...

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autosport.com - F1 <b>News</b>: F1 closing on HD coverage for 2011

Formula 1 is close to giving the final green light for High Definition television coverage of the sport to begin from the first race of the 2011 season, AUTOSPORT has learned.

The Inevitable Taiwanese <b>News</b> Animation about the TSA&#39;s Touching <b>...</b>

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Formula 1 is close to giving the final green light for High Definition television coverage of the sport to begin from the first race of the 2011 season, AUTOSPORT has learned.

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Does anyone know if this animation, or any of these CGI clips from NMA.tv, actually appeared on TV news in Taiwan? Because their website seems more like it's mostly an online thing - I would love to see video of this actually being ...

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Video: Pondering the value and integrity of cable news.

foreclosure sales

United States home foreclosure sales are slowing in the states hardest-hit by the real estate crash as banks review their practices and delay seizures, Bloomberg News reported.

In Arizona, California and Nevada, foreclosure auctions on courthouse steps, known as trustee sales, are down 42 percent since Sept. 20, according to ForeclosureRadar, a real estate tracking service in Discovery Bay, Calif. In Florida’s Miami-Dade and Broward Counties, fewer foreclosures have led to 18 percent declines this month in the number of repossessed homes listed for sale, said Ron Shuffield of Esslinger, Wooten, Maxwell, a real estate firm based in Coral Gables, Fla.

Go to Article from Bloomberg News »

Macro Notes

CPI benign, Fed vindicated!?

Peter Boockvar

Oct CPI rose .2% m/o/m headline and was flat ex f&f, both .1% below expectations. The housing component, which makes up 42% of CPI, was up just .1% mostly due to a .1% rise in Owners Equivalent Rent. Also keeping a lid on the rise in the housing component was a 1% drop in price of hotel rooms. Energy prices rose 2.6% but food by just .1%. As CPI lags the rise in commodity prices, food prices may not continue being this tame. Also, apparel prices fell by .3% and down for a 3rd straight month but rising cotton and...

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United States home foreclosure sales are slowing in the states hardest-hit by the real estate crash as banks review their practices and delay seizures, Bloomberg News reported.

In Arizona, California and Nevada, foreclosure auctions on courthouse steps, known as trustee sales, are down 42 percent since Sept. 20, according to ForeclosureRadar, a real estate tracking service in Discovery Bay, Calif. In Florida’s Miami-Dade and Broward Counties, fewer foreclosures have led to 18 percent declines this month in the number of repossessed homes listed for sale, said Ron Shuffield of Esslinger, Wooten, Maxwell, a real estate firm based in Coral Gables, Fla.

Go to Article from Bloomberg News »

Macro Notes

CPI benign, Fed vindicated!?

Peter Boockvar

Oct CPI rose .2% m/o/m headline and was flat ex f&f, both .1% below expectations. The housing component, which makes up 42% of CPI, was up just .1% mostly due to a .1% rise in Owners Equivalent Rent. Also keeping a lid on the rise in the housing component was a 1% drop in price of hotel rooms. Energy prices rose 2.6% but food by just .1%. As CPI lags the rise in commodity prices, food prices may not continue being this tame. Also, apparel prices fell by .3% and down for a 3rd straight month but rising cotton and...

read more »


bench craft company scam

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

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The rules for business keep changing but a few things stay the same. First impressions matter, technology keeps changing the game and costs keep rising as.

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Read our Wii news of Nintendo hasn't discontinued Wii Speak.

bench craft company scam

benchcraft company scam

benchcraft company scam

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Small Business <b>News</b>: New Business Rules

The rules for business keep changing but a few things stay the same. First impressions matter, technology keeps changing the game and costs keep rising as.

Nintendo hasn&#39;t discontinued Wii Speak Wii <b>News</b> - Page 1 <b>...</b>

Read our Wii news of Nintendo hasn't discontinued Wii Speak.

bench craft company scam

United States home foreclosure sales are slowing in the states hardest-hit by the real estate crash as banks review their practices and delay seizures, Bloomberg News reported.

In Arizona, California and Nevada, foreclosure auctions on courthouse steps, known as trustee sales, are down 42 percent since Sept. 20, according to ForeclosureRadar, a real estate tracking service in Discovery Bay, Calif. In Florida’s Miami-Dade and Broward Counties, fewer foreclosures have led to 18 percent declines this month in the number of repossessed homes listed for sale, said Ron Shuffield of Esslinger, Wooten, Maxwell, a real estate firm based in Coral Gables, Fla.

Go to Article from Bloomberg News »

Macro Notes

CPI benign, Fed vindicated!?

Peter Boockvar

Oct CPI rose .2% m/o/m headline and was flat ex f&f, both .1% below expectations. The housing component, which makes up 42% of CPI, was up just .1% mostly due to a .1% rise in Owners Equivalent Rent. Also keeping a lid on the rise in the housing component was a 1% drop in price of hotel rooms. Energy prices rose 2.6% but food by just .1%. As CPI lags the rise in commodity prices, food prices may not continue being this tame. Also, apparel prices fell by .3% and down for a 3rd straight month but rising cotton and...

read more »


bench craft company scam

benchcraft company scam

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Small Business <b>News</b>: New Business Rules

The rules for business keep changing but a few things stay the same. First impressions matter, technology keeps changing the game and costs keep rising as.

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Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Small Business <b>News</b>: New Business Rules

The rules for business keep changing but a few things stay the same. First impressions matter, technology keeps changing the game and costs keep rising as.

Nintendo hasn&#39;t discontinued Wii Speak Wii <b>News</b> - Page 1 <b>...</b>

Read our Wii news of Nintendo hasn't discontinued Wii Speak.

bench craft company scam

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Small Business <b>News</b>: New Business Rules

The rules for business keep changing but a few things stay the same. First impressions matter, technology keeps changing the game and costs keep rising as.

Nintendo hasn&#39;t discontinued Wii Speak Wii <b>News</b> - Page 1 <b>...</b>

Read our Wii news of Nintendo hasn't discontinued Wii Speak.

bench craft company scam

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Small Business <b>News</b>: New Business Rules

The rules for business keep changing but a few things stay the same. First impressions matter, technology keeps changing the game and costs keep rising as.

Nintendo hasn&#39;t discontinued Wii Speak Wii <b>News</b> - Page 1 <b>...</b>

Read our Wii news of Nintendo hasn't discontinued Wii Speak.

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benchcraft company scam

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foreclosure auctions

The Federal Housing Finance Agency statement on the foreclosure fraud crisis is a whitewash. Basically, Acting Director Ed DeMarco wants the banks to solve this problem on their own, and quickly. Let me boil down the four-point policy “framework” they released:

1) “Verify Process” – Hey servicers, look at what you’re doing! If you want a shorter version than that, how about “follow the law.”

2) “Remediate Actual Problems” – if you find something wrong, um, do something about it.

a) Pre-judgment foreclosure actions – um, file another affidavit, and mean it this time.

b) Post-judgment foreclosure actions – Wow, you’re kind of screwed, but see if you can get the judge to forget the fraud and file a replacement affidavit.

c) Post-foreclosure sale – Now you’re REALLY screwed. You sold a house based on false documents! See what you can do.

(For Real Estate Owned, or REO properties: make sure you get some title insurance! You’re going to need it!)

d) Bankruptcy Cases: Good luck.

3) Refer Suspicion of Fraudulent Activity – Probably would be a good idea to follow the law. If you didn’t, be a good servicer and turn yourself in.

4) Avoid Delay – Now get those foreclosures done! We have records to break, people!

That’s really it. My favorite two lines: “In developing this framework, FHFA has benefited from close consultation with the Administration and other federal financial regulators,” (it took more than one regulator to come up with this?) and “FHFA will provide additional guidance should it become necessary.” (They didn’t provide any guidance here!)

Now, Fannie and Freddie, who FHFA oversees, have taken some legitimate action. They fired the foreclosure mill law firm they were using to handle foreclosures in judicial states.

The Huffington Post Investigative Fund website (the first I’ve heard of it) has a lengthy article on a new way that big banks are driving foreclosures. Apparently local governments do not have the resources to pursue property tax collection themselves so they bundle up past due liens and sell them off to investors that can then collect or foreclose. I hadn’t heard of this practice but the article makes it sound like it has been long standing. What it says is new in the arena is the activity of major banks and hedge funds that buy the debts and then tack on massive “legal fees.”

For example:

In May, the Investigative Fund reported how an unemployed former mental health counselor with four children named Vicki Valentine lost her home even though the mortgage had been paid in full. She had owed $362 on an overdue water bill when investors took over and added thousands of dollars in legal fees she couldn’t afford…

D.C. Attorney General Nickles criticizes Aeon Financial, LLC, a bank-financed investment group from Chicago that buys tax liens in some 10 states. Nickles asserts that Aeon has slammed homeowners, who sometimes owed just a few hundred dollars in back taxes, with $7,000 or more in legal fees.

This is in addition to upwards of 18% interest. When people can’t pay then the homes are taken to foreclosure. What is particularly egregious about this process is that everything is done through front companies that are sometimes not even registered in the country. Not even the governments know who they are dealing with:

Banks and hedge funds usually buy the liens through online auctions that permit them to bid in bulk, and they can use any name they want.

The giant Bank of America, for instance, has bid in Florida tax lien sales using colorful names such as Bennu, LLC, named after a mythical bird said to be the soul of the ancient Egyptian sun god. It also has bid as Osprey, LLC, and Ecru, LLC, named after the French word for a pale brown color…

Tax collectors in Florida don’t always know who they’re doing business with, either. Officials in Pinellas County want to know who exactly is behind a company called GL Funding Limited. Sales records show that GL Funding spent more than $10 million and dominated the tax sale in at least 10 Florida counties, most of them rural or smaller cities where interest rates tended to be much higher than in urban and resort areas.

GL Funding registered with several Florida tax collectors as a company with offices in the Cayman Islands. But other counties list a post office box in Philadelphia as its address. The person who registered GL Funding in Pinellas County’s tax sale provided Pinellas with a telephone number in Dallas, Tex. At that number, a man named Jess Weir declined to tell the Investigative Fund who is investing through the name GL Funding.

Said Sam McClelland, deputy tax collector in Pinellas County, Fla., where GL Funding acquired hundreds of liens earlier this year: “We’re still trying to sort this out.”

Yes, banks that are backed explicitly and implicitly by hundreds of billions of dollars from the government each year are tacking on thousands of dollars of fees and then foreclosing on people that owed a few hundred bucks…from the shadows. Ecru, indeed.

eric seiger

Celebrities Looking Older Than Their Age Can Be Good, Bad &amp; Really <b>...</b>

Commonly all the plastic surgery that celebrities undergo to preserve their age backfires and makes them look as though they have tacked years onto their plastic bodies. Other times, celebrities ar...

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Fox News' Democratic analysts have thrown President Obama under the bus: Doug Schoen and Pat Caddell suggested this weekend that the Democratic Party must cut off its head to stand a chance in 2012. Schoen was back on America Live ...

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

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

eric seiger

The Federal Housing Finance Agency statement on the foreclosure fraud crisis is a whitewash. Basically, Acting Director Ed DeMarco wants the banks to solve this problem on their own, and quickly. Let me boil down the four-point policy “framework” they released:

1) “Verify Process” – Hey servicers, look at what you’re doing! If you want a shorter version than that, how about “follow the law.”

2) “Remediate Actual Problems” – if you find something wrong, um, do something about it.

a) Pre-judgment foreclosure actions – um, file another affidavit, and mean it this time.

b) Post-judgment foreclosure actions – Wow, you’re kind of screwed, but see if you can get the judge to forget the fraud and file a replacement affidavit.

c) Post-foreclosure sale – Now you’re REALLY screwed. You sold a house based on false documents! See what you can do.

(For Real Estate Owned, or REO properties: make sure you get some title insurance! You’re going to need it!)

d) Bankruptcy Cases: Good luck.

3) Refer Suspicion of Fraudulent Activity – Probably would be a good idea to follow the law. If you didn’t, be a good servicer and turn yourself in.

4) Avoid Delay – Now get those foreclosures done! We have records to break, people!

That’s really it. My favorite two lines: “In developing this framework, FHFA has benefited from close consultation with the Administration and other federal financial regulators,” (it took more than one regulator to come up with this?) and “FHFA will provide additional guidance should it become necessary.” (They didn’t provide any guidance here!)

Now, Fannie and Freddie, who FHFA oversees, have taken some legitimate action. They fired the foreclosure mill law firm they were using to handle foreclosures in judicial states.

The Huffington Post Investigative Fund website (the first I’ve heard of it) has a lengthy article on a new way that big banks are driving foreclosures. Apparently local governments do not have the resources to pursue property tax collection themselves so they bundle up past due liens and sell them off to investors that can then collect or foreclose. I hadn’t heard of this practice but the article makes it sound like it has been long standing. What it says is new in the arena is the activity of major banks and hedge funds that buy the debts and then tack on massive “legal fees.”

For example:

In May, the Investigative Fund reported how an unemployed former mental health counselor with four children named Vicki Valentine lost her home even though the mortgage had been paid in full. She had owed $362 on an overdue water bill when investors took over and added thousands of dollars in legal fees she couldn’t afford…

D.C. Attorney General Nickles criticizes Aeon Financial, LLC, a bank-financed investment group from Chicago that buys tax liens in some 10 states. Nickles asserts that Aeon has slammed homeowners, who sometimes owed just a few hundred dollars in back taxes, with $7,000 or more in legal fees.

This is in addition to upwards of 18% interest. When people can’t pay then the homes are taken to foreclosure. What is particularly egregious about this process is that everything is done through front companies that are sometimes not even registered in the country. Not even the governments know who they are dealing with:

Banks and hedge funds usually buy the liens through online auctions that permit them to bid in bulk, and they can use any name they want.

The giant Bank of America, for instance, has bid in Florida tax lien sales using colorful names such as Bennu, LLC, named after a mythical bird said to be the soul of the ancient Egyptian sun god. It also has bid as Osprey, LLC, and Ecru, LLC, named after the French word for a pale brown color…

Tax collectors in Florida don’t always know who they’re doing business with, either. Officials in Pinellas County want to know who exactly is behind a company called GL Funding Limited. Sales records show that GL Funding spent more than $10 million and dominated the tax sale in at least 10 Florida counties, most of them rural or smaller cities where interest rates tended to be much higher than in urban and resort areas.

GL Funding registered with several Florida tax collectors as a company with offices in the Cayman Islands. But other counties list a post office box in Philadelphia as its address. The person who registered GL Funding in Pinellas County’s tax sale provided Pinellas with a telephone number in Dallas, Tex. At that number, a man named Jess Weir declined to tell the Investigative Fund who is investing through the name GL Funding.

Said Sam McClelland, deputy tax collector in Pinellas County, Fla., where GL Funding acquired hundreds of liens earlier this year: “We’re still trying to sort this out.”

Yes, banks that are backed explicitly and implicitly by hundreds of billions of dollars from the government each year are tacking on thousands of dollars of fees and then foreclosing on people that owed a few hundred bucks…from the shadows. Ecru, indeed.

eric seiger

Celebrities Looking Older Than Their Age Can Be Good, Bad &amp; Really <b>...</b>

Commonly all the plastic surgery that celebrities undergo to preserve their age backfires and makes them look as though they have tacked years onto their plastic bodies. Other times, celebrities ar...

Obama 2012 - Doug Schoen - Fox <b>News</b> | Mediaite

Fox News' Democratic analysts have thrown President Obama under the bus: Doug Schoen and Pat Caddell suggested this weekend that the Democratic Party must cut off its head to stand a chance in 2012. Schoen was back on America Live ...

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

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

eric seiger

eric seiger

eric seiger

Celebrities Looking Older Than Their Age Can Be Good, Bad &amp; Really <b>...</b>

Commonly all the plastic surgery that celebrities undergo to preserve their age backfires and makes them look as though they have tacked years onto their plastic bodies. Other times, celebrities ar...

Obama 2012 - Doug Schoen - Fox <b>News</b> | Mediaite

Fox News' Democratic analysts have thrown President Obama under the bus: Doug Schoen and Pat Caddell suggested this weekend that the Democratic Party must cut off its head to stand a chance in 2012. Schoen was back on America Live ...

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

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

eric seiger

The Federal Housing Finance Agency statement on the foreclosure fraud crisis is a whitewash. Basically, Acting Director Ed DeMarco wants the banks to solve this problem on their own, and quickly. Let me boil down the four-point policy “framework” they released:

1) “Verify Process” – Hey servicers, look at what you’re doing! If you want a shorter version than that, how about “follow the law.”

2) “Remediate Actual Problems” – if you find something wrong, um, do something about it.

a) Pre-judgment foreclosure actions – um, file another affidavit, and mean it this time.

b) Post-judgment foreclosure actions – Wow, you’re kind of screwed, but see if you can get the judge to forget the fraud and file a replacement affidavit.

c) Post-foreclosure sale – Now you’re REALLY screwed. You sold a house based on false documents! See what you can do.

(For Real Estate Owned, or REO properties: make sure you get some title insurance! You’re going to need it!)

d) Bankruptcy Cases: Good luck.

3) Refer Suspicion of Fraudulent Activity – Probably would be a good idea to follow the law. If you didn’t, be a good servicer and turn yourself in.

4) Avoid Delay – Now get those foreclosures done! We have records to break, people!

That’s really it. My favorite two lines: “In developing this framework, FHFA has benefited from close consultation with the Administration and other federal financial regulators,” (it took more than one regulator to come up with this?) and “FHFA will provide additional guidance should it become necessary.” (They didn’t provide any guidance here!)

Now, Fannie and Freddie, who FHFA oversees, have taken some legitimate action. They fired the foreclosure mill law firm they were using to handle foreclosures in judicial states.

The Huffington Post Investigative Fund website (the first I’ve heard of it) has a lengthy article on a new way that big banks are driving foreclosures. Apparently local governments do not have the resources to pursue property tax collection themselves so they bundle up past due liens and sell them off to investors that can then collect or foreclose. I hadn’t heard of this practice but the article makes it sound like it has been long standing. What it says is new in the arena is the activity of major banks and hedge funds that buy the debts and then tack on massive “legal fees.”

For example:

In May, the Investigative Fund reported how an unemployed former mental health counselor with four children named Vicki Valentine lost her home even though the mortgage had been paid in full. She had owed $362 on an overdue water bill when investors took over and added thousands of dollars in legal fees she couldn’t afford…

D.C. Attorney General Nickles criticizes Aeon Financial, LLC, a bank-financed investment group from Chicago that buys tax liens in some 10 states. Nickles asserts that Aeon has slammed homeowners, who sometimes owed just a few hundred dollars in back taxes, with $7,000 or more in legal fees.

This is in addition to upwards of 18% interest. When people can’t pay then the homes are taken to foreclosure. What is particularly egregious about this process is that everything is done through front companies that are sometimes not even registered in the country. Not even the governments know who they are dealing with:

Banks and hedge funds usually buy the liens through online auctions that permit them to bid in bulk, and they can use any name they want.

The giant Bank of America, for instance, has bid in Florida tax lien sales using colorful names such as Bennu, LLC, named after a mythical bird said to be the soul of the ancient Egyptian sun god. It also has bid as Osprey, LLC, and Ecru, LLC, named after the French word for a pale brown color…

Tax collectors in Florida don’t always know who they’re doing business with, either. Officials in Pinellas County want to know who exactly is behind a company called GL Funding Limited. Sales records show that GL Funding spent more than $10 million and dominated the tax sale in at least 10 Florida counties, most of them rural or smaller cities where interest rates tended to be much higher than in urban and resort areas.

GL Funding registered with several Florida tax collectors as a company with offices in the Cayman Islands. But other counties list a post office box in Philadelphia as its address. The person who registered GL Funding in Pinellas County’s tax sale provided Pinellas with a telephone number in Dallas, Tex. At that number, a man named Jess Weir declined to tell the Investigative Fund who is investing through the name GL Funding.

Said Sam McClelland, deputy tax collector in Pinellas County, Fla., where GL Funding acquired hundreds of liens earlier this year: “We’re still trying to sort this out.”

Yes, banks that are backed explicitly and implicitly by hundreds of billions of dollars from the government each year are tacking on thousands of dollars of fees and then foreclosing on people that owed a few hundred bucks…from the shadows. Ecru, indeed.

eric seiger

eric seiger

Celebrities Looking Older Than Their Age Can Be Good, Bad &amp; Really <b>...</b>

Commonly all the plastic surgery that celebrities undergo to preserve their age backfires and makes them look as though they have tacked years onto their plastic bodies. Other times, celebrities ar...

Obama 2012 - Doug Schoen - Fox <b>News</b> | Mediaite

Fox News' Democratic analysts have thrown President Obama under the bus: Doug Schoen and Pat Caddell suggested this weekend that the Democratic Party must cut off its head to stand a chance in 2012. Schoen was back on America Live ...

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

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

eric seiger

eric seiger

Celebrities Looking Older Than Their Age Can Be Good, Bad &amp; Really <b>...</b>

Commonly all the plastic surgery that celebrities undergo to preserve their age backfires and makes them look as though they have tacked years onto their plastic bodies. Other times, celebrities ar...

Obama 2012 - Doug Schoen - Fox <b>News</b> | Mediaite

Fox News' Democratic analysts have thrown President Obama under the bus: Doug Schoen and Pat Caddell suggested this weekend that the Democratic Party must cut off its head to stand a chance in 2012. Schoen was back on America Live ...

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

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

eric seiger

Celebrities Looking Older Than Their Age Can Be Good, Bad &amp; Really <b>...</b>

Commonly all the plastic surgery that celebrities undergo to preserve their age backfires and makes them look as though they have tacked years onto their plastic bodies. Other times, celebrities ar...

Obama 2012 - Doug Schoen - Fox <b>News</b> | Mediaite

Fox News' Democratic analysts have thrown President Obama under the bus: Doug Schoen and Pat Caddell suggested this weekend that the Democratic Party must cut off its head to stand a chance in 2012. Schoen was back on America Live ...

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

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

eric seiger

Celebrities Looking Older Than Their Age Can Be Good, Bad &amp; Really <b>...</b>

Commonly all the plastic surgery that celebrities undergo to preserve their age backfires and makes them look as though they have tacked years onto their plastic bodies. Other times, celebrities ar...

Obama 2012 - Doug Schoen - Fox <b>News</b> | Mediaite

Fox News' Democratic analysts have thrown President Obama under the bus: Doug Schoen and Pat Caddell suggested this weekend that the Democratic Party must cut off its head to stand a chance in 2012. Schoen was back on America Live ...

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

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

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eric seiger

eric seiger
eric seiger

Celebrities Looking Older Than Their Age Can Be Good, Bad &amp; Really <b>...</b>

Commonly all the plastic surgery that celebrities undergo to preserve their age backfires and makes them look as though they have tacked years onto their plastic bodies. Other times, celebrities ar...

Obama 2012 - Doug Schoen - Fox <b>News</b> | Mediaite

Fox News' Democratic analysts have thrown President Obama under the bus: Doug Schoen and Pat Caddell suggested this weekend that the Democratic Party must cut off its head to stand a chance in 2012. Schoen was back on America Live ...

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

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

eric seiger

Celebrities Looking Older Than Their Age Can Be Good, Bad &amp; Really <b>...</b>

Commonly all the plastic surgery that celebrities undergo to preserve their age backfires and makes them look as though they have tacked years onto their plastic bodies. Other times, celebrities ar...

Obama 2012 - Doug Schoen - Fox <b>News</b> | Mediaite

Fox News' Democratic analysts have thrown President Obama under the bus: Doug Schoen and Pat Caddell suggested this weekend that the Democratic Party must cut off its head to stand a chance in 2012. Schoen was back on America Live ...

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

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

eric seiger

Celebrities Looking Older Than Their Age Can Be Good, Bad &amp; Really <b>...</b>

Commonly all the plastic surgery that celebrities undergo to preserve their age backfires and makes them look as though they have tacked years onto their plastic bodies. Other times, celebrities ar...

Obama 2012 - Doug Schoen - Fox <b>News</b> | Mediaite

Fox News' Democratic analysts have thrown President Obama under the bus: Doug Schoen and Pat Caddell suggested this weekend that the Democratic Party must cut off its head to stand a chance in 2012. Schoen was back on America Live ...

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

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

eric seiger