About Me 0055: January 2011

Tuesday, January 25, 2011

Brand Management & online reputation management

When businesses or people today fall prey to unfair competitors, irate ex-employees or disgruntled customers, then a SERM will become important during the economic survival of the enterprise.

Firms like SERMs are critical in sustaining, and in some circumstances salvaging and restoring organizations or person's status and beneficial title.

On the internet searches are one in the very first things that present day day consumes do prior to paying capital with a business or particular person, and one bad click can necessarily mean financial disaster for a online business, primarily within this ever developing cyber economic climate. Popularity for these SERMs are escalating by leaps and bounds using the realization it's not prudent to try to conduct corporation on this cyber age and not have a SERM on retainer as well as your accountant as well as your lawyer.

Businesses are also appreciating the collateral advantage of acquiring a Status Management agency on-board as an integral part of their business product, its superb promoting! Despite the fact that securing a company's decent reputation and title online, it generates wonderful press and beneficial exposure that in the end adds drastically to your bottom line of a company's harmony sheet, generating the services to virtually spend for itself in lots of circumstances.

This tends to be an exceptionally robust offering point for suppliers at the same time as people, to know that they're cleansing and protecting their reputations and cyber pictures, whereas concurrently running an incredibly valuable promoting initiative. Frequently organizations completely disregard their former marketing efforts on the internet and go for the advantages of On line Reputation Management.

Possessing a SERM agency on your aspect is without a doubt the way in which to go in this cyber age. For a lot more info on online reputation management and corporate reputation management, Please visit us at http://removeripoffreports.net/

Monday, January 24, 2011

Forum Making Money

The next chairman of the Republican National Committee will face a debilitating debt, several of the candidates running for the post said during a candidate forum Monday, offering a stinging, if mostly implicit, indictment of incumbent Michael Steele.

In an hour and a half long gathering sponsored by three conservative organizations, candidates seeking the chairmanship said the next person to assume that office needs to spend the next two years rebuilding the RNC's credibility with major donors who can help prop up the ailing committee.

"It's time for some tough love at the Republican National Committee," said Ann Wagner, the former RNC co-chairman and ambassador to Luxembourg under President George W. Bush. Wagner said the RNC is "steeped in mismanagement, distractions and drama."

The RNC ended the 2010 election cycle with at least $20 million in debt, according to internal estimates. That stands in stark contrast with previous cycles over the last decade, most of which the RNC began in the black. Steele's critics have blamed the incumbent chairman for neglecting major donors, costing the party millions.

"We have to practice what we preach as Republicans, and we have to get our debt under control," said former Bush administration official Maria Cino, who has worked at or with the RNC for the better part of three decades.

"We're going to start out this cycle with one of the largest debts we've ever had. We're going to need to raise $20 million before we can start banking money," added Saul Anuzis, the former Michigan Republican Party chairman making his second run for the top post. "With this unprecedented debt, this is going to be a major challenge with respect to rebuilding our credibility."

Every startup needs to understand that the customer paradigm has dramatically shifted over the past two years with pervasive social networks and smartphones. The customer base is no longer a mass audience that can be driven by mass media, but a dynamic network of individual customers who interact with each other, and expect to interact with you as a business.

If your business doesn’t connect with your customers, individually and as a community, demanding customers will not only ignore you, but will actively keep other customers away. According to the 2009 Tribalization of Business Study by Deloitte Development, one third of all online communities now launched by businesses fail to engage even a hundred participants.

A new book by David L. Rogers, titled The Network is Your Customer, elaborates on this paradigm shift, and outlines the following five key strategies to thrive in this digital age, prioritized from the most basic to the most complex in value to the customer:

Access to your business from the relevant network of customers. Every organization today faces the expectations of an always-on world. To compete, startups must find ways to provide customers an easier, faster, more pervasive connection to digital networks, via mobile as well as the Internet.
Engage customers with relevant and valuable content. In an environment of media overload and rampant ad-skipping, startups that want to engage customer networks need to create content that customers actually want to consume. Funny videos and worthless give-aways won’t make your website go “viral” these days.
Customize your interactions to meet unique customer needs. You need to give customers the tools to customize products, services, and content to suit their needs and interests, to engage them more deeply, add value, and differentiate your offering from competitors.
Connect to the customer in your communication. Join in conversations with customers who are already shaping brand perception and sharing their ideas and opinions on the Web. Conversations may be on existing social media, or on your own brand forum established specifically for this purpose.
Collaborate with customers on shared goals. One of the most powerful ways to engage customer networks is to invite them to collaborate with your startup on shared goals and projects. This requires the right balance of motivators (love, glory, and money), and the right balance of bottoms-up versus top-down control.

Many businesses that seem to understand the new paradigm still fall for some common mistakes, like the following, that can blunt the effectiveness of their efforts:

Infatuation with technology. Founders too often see a list of the latest hot tools, and go after them, without first making the proper analysis and connect to relevant customers. The best tools, if not relevant or used incorrectly, can’t save you.
Lack of customer insight. Startups launch plans without taking the time to understand the networked behavior of their customers, or the drivers for that behavior.
Lack of clear objectives. Without a clear scope and vision, efforts become unfocused, lack impact, and are impossible to measure. Everyone on the team has to be involved and on board, or the efforts will be fragmented.

This book outlines a good process for planning and implementing a customer network strategy to match your customers, your business, and your objectives – whether you need to drive sales, reduce costs, gain customer insight, or build breakthrough products and services.

The bottom line is that today, whatever your goals and whatever your business, the network is your customer. Connect to it and win customers.

Marty Zwilling

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

All the US government was interested in, Erekat went on, was "PR, quick news, and we're cost free", ending up with the appeal: "What good am I if I'm the joke of my wife, if I'm so weak?" | Facebook | Reddit | Digg | StumbleUpon ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

Good morning Chiefs fans. Another super thin day for Kansas City Chiefs news. There are quite a few hits on the Hali & Berry to Pro Bowl story, but they are all basically the same info. Here are your two stories... Enjoy.

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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AMERICAblog News: WikiLeaks: Middle East peace process exposes ...

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

Tuesday, January 18, 2011

Making Money Without

You're probably reading this on junk. And I'm not talking about newsprint - industry woes aside, that's high-quality stuff. But if you're on a computer or an iPad, and you're not plugged into an Internet jack in the wall? Junk, then.

But it's not your MacBook or your tablet that's so crummy. It's the spectrum it's using.

Spectrum, in the words of FCC Chairman Julius Genachowski, is the economy's "invisible infrastructure." It's the interstate system for information that travels wirelessly. It's how you get radio in your car, service on your cellphone and satellite to your television. It's also how you get WiFi.

But not all spectrum is created equal. "Beachfront spectrum" is like a well-paved road. Lots of information can travel long distances on it without losing much data. But not all spectrum is so valuable.

In 1985, there was a slice of spectrum that was too crummy for anyone to want. It was so weak that the radiation that microwaves emit could mess with it. So the government released it to the public. As long as whatever you were doing didn't interfere with what anyone else was doing, you could build on that spectrum. That's how we got garage-door openers and cordless phones. Because the information didn't have to travel far, the junk spectrum was good enough. Later on, that same section of junk spectrum became the home for WiFi - a crucial, multibillion-dollar industry. A platform for massive technological innovation. A huge increase in quality of life.

There's a lesson in that: Spectrum is really, really important. And not always in ways that we can predict in advance. Making sure that spectrum is used well is no less important than making sure our highways are used well: If the Beltway were reserved for horses, Washington would not be a very good place to do business.

But our spectrum is not being used well. It's the classic innovator's quandary: We made good decisions many years ago, but those good decisions created powerful incumbents, and in order to make good decisions now, we must somehow unseat the incumbents.

Today, much of the best spectrum is allocated to broadcast television. Decades ago, when 90 percent of Americans received their programming this way, that made sense. Today, when fewer than 10 percent of Americans do, it doesn't.

Meanwhile, mobile broadband is quite clearly the platform of the future - or at least the near future. But we don't have nearly enough spectrum allocated for its use. Unless that changes, the technology will be unable to progress, as more advanced uses will require more bandwidth, or it will have to be rationed, perhaps through extremely high prices that make sure most people can't use it.

The FCC could just yank the spectrum from the channels and hand it to the mobile industry. But it won't. It fears lawsuits and angry calls from lawmakers. And temperamentally, Genachowski himself is a consensus-builder rather than a steamroller.

Instead, the hope is that current owners of spectrum will give it up voluntarily. In exchange, they'd get big sacks of money. If a slice of spectrum is worth billions of dollars to Verizon but only a couple of million to a few aging TV stations - TV stations that have other ways to reach most of those customers - then there should be enough money in this transaction to leave everyone happy.

At least, that's some people's hope. Some advocates want that spectrum - or at least a substantial portion of it - left unlicensed. Rather than using telecom corporations such as Verizon to buy off the current owners of the spectrum, they'd like to see the federal government take some of that spectrum back and preserve it as a public resource for the sort of innovation we can't yet imagine and that the big corporations aren't likely to pioneer - the same as happened with WiFi. But as of yet, that's not the FCC's vision for this. Officials are more worried about the mobile broadband market. They argue (accurately) that they've already made more beachfront spectrum available for unlicensed uses. And although they don't say this clearly, auctioning spectrum to large corporations gives them the money to pay off the current owners. But even so, they can't do that.

"Imagine someone was given property on Fifth Avenue 50 years ago, but they don't use it and can't sell it," says Tim Wu, a law professor at Harvard and author of "The Master Switch." That's the situation that's arisen in the spectrum universe. It's not legal for the FCC to run auctions and hand over some of the proceeds to the old owners. That means the people sitting on the spectrum have little incentive to give it up. For that to change, the FCC needs Congress to pass a law empowering it to compensate current holders of spectrum with proceeds from the sale.

One way - the slightly demagogic way - to underscore the urgency here is to invoke China: Do you think it's letting its information infrastructure stagnate because it's a bureaucratic hassle to get the permits shifted? I rather doubt it.

Of course, we don't want the Chinese system. Democracy is worth some red tape. But if we're going to keep a good political system from becoming an economic handicap, there are going to be a lot of decisions like this one that need to be made. Decisions where we know what we need to do to move the economy forward, but where it's easier to do nothing because there are powerful interests attached to old habits. The problem with having a really good 20th century, as America did, is that you've built up a lot of infrastructure and made a lot of decisions that benefit the industries and innovators of the 20th century. But now we're in the 21st century, and junk won't cut it anymore.

We’ve all done it. We’ve all believed, if only for a second, that we could become rich without work. That we could build a business that runs on auto-pilot. That we could live on a beach in Maui while the checks come rolling in. You know what I’m talking about: “Living the dream.” The ultimate goal of success without work.

Unfortunately, we all know that’s not reality. As small business owners, we work day and night to reach that dream for ourselves. And we know, through experience, that there’s no “easy button” we can push to achieve it.

But isn’t it frustrating to watch as others continue to succeed by selling the dream that we know isn’t possible?

You know who I’m talking about. Those guru-type slimy marketing promotions that tell you things like, “Make $14,023 a month at home in your underwear with no effort!” or “Making money by pushing buttons has never been easier with this revolutionary system!”

We all know those systems don’t really deliver on their promises. The only people getting rich are the gurus selling those scams. But the truth is that the reason they continue to offer these scams the way they do is because it works. Humans like to buy the dream.

Take a deep breath. I know, it’s frustrating. Because that’s not you and me. We don’t make promises of overnight success. We run real businesses where we try to solve real problems for our customers.

But there’s an opportunity to learn something here and use it to our advantage. If you look at why people buy, it’s usually for a different reason than you think it is. For example, people don’t buy a fancy diamond engagement ring because of how it looks. They buy it because of how it’s going to make their lives better and how it’s going to make the other person feel. They’re buying “forever!”, not diamonds.

In another example, people don’t buy Nike products because they’re any higher quality than Converse or New Balance or 100 other brands. They buy Nike because Nike sells “winning.” They’re buying the dream. They want to be labeled winners.

So next time you see a guru trying to sell something you know is full of false promises, don’t get angry. Instead, use it as a lesson to think about what you sell, and more importantly, what and why people buy from you. Then use that lesson to improve your marketing message for more sales, leads and publicity.

Stop over at Unguru.me and join a community of like-minded business owners.

Source:http://removeripoffreports.net/

Small Business News: Social Entrepreneurship on the Rise

In recognition of Martin Luther King Day, we present a roundup about an important new trend, the rise of social entrepreneurship. Instead of profit, the.

Soap News: 'AMC's' Debbi Morgan Has Lyme Disease and More

A few weeks ago we reported that 'All My Children's' award-winning actress Debbi Morgan would be taking some time off from the soap. This week.

Modernizr News

We're kicking it off with some pretty exciting news right away. First, we've expanded our team to include Alex Sexton. Due to this addition we've also formalized our individual roles in the Modernizr Team, as such: ...

Friday, January 14, 2011

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The main areas of law which are still eligible for public funding are Criminal, the Tenant part of Landlord & Tenant and Family/Matrimonial. Some criminal matters may be means tested and may require a contribution towards the legal advice costs but legal aid is available for most people facing criminal prosecution.

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The situation with Aid for family/matrimonial matters is somewhat different and the rules are beyond the scope of this article. Broadly speaking if a litigant is on benefits then they won't have to make a contribution toward their legal costs and it will all be funded by Legal Aid. If they are not on benefits and earning a wage they may have to make a contribution towards the cost of their legal work. It happens that very few people who are not on benefits fall in to the category where all their costs would be publicly funded.

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Invest in some credit repair options. This process can take some time so be prepared and start as soon as possible. For as little as about per month you can retain a credit repair agency and hire them to work on your credit profile to remove 'dings and scratches.' These blemishes are hurting your credit report but the good news is that many of them can be removed. You can do a lot of this work yourself, but often times it is better and much easier to hire a team that has experience raising credit scores. Over the course of 4-12 months they can raise your credit score by more than 200 points often times.

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Apple, News Corp. Delay "Daily" iPad Newspaper | Peter Kafka ...

Turns out you'll have to wait a bit longer to see The Daily, Rupert Murdoch's long-awaited iPad news service. Apple and News Corp. have made a joint decision to push back next week's planned launch. The delay is supposed to give Apple ...

Movie News Quick Hits: 'Zoolander 2' News, Abe Lincoln Shortlist ...

Here's a new image from 'Sherlock Holmes 2.' The LA Times describes the plot for the sequel: 'Set in 1891 - a year after.

The Write Stuff For Test Anxiety - Science News

Students score higher after jotting down worries before a big exam.

Thursday, January 13, 2011

foreclosure statistics

In his book, Thompson's search for the American dream ends at the burned-out husk of a former nightclub, a fitting metaphor for a city that went from the fastest-growing to the most-foreclosed city in America in the space of a year. As our article and its accompanying video document, today more than 80% of Vegas mortgages are underwater, and empty or abandoned home pepper the city.

Sunshine and Stricken Suburbs

Vegas is hardly the only region whose housing sector fed on dreams. In Florida, the third-most foreclosed state, dreams have fed the area's growth ever since Ponce de Leon ventured there in search of the fountain of youth. Our piece from Florida explores a different kind of dream: an uncompleted "Italian resort themed" suburban neighborhood that's now filled with cows. In order to save on taxes in the now-unprofitable real estate venture, the area's developer had the area reclassified as farmland and moved in livestock. As for the people who live there, the swanky neighborhood they signed on for is now a barbed-wire bonanza.

And dreams continue to be deferred across the country. In Modesto, Calif., Todd Lappin documents empty streets, hastily boarded-up windows and stagnant swimming pools in the fourth most foreclosed state. With his images of rusting barbecues, overgrown yards and abandoned homes, Lappin sketches a near-apocalyptic landscape, the scattered leavings of a once-posh suburban development.

Meanwhile, a promising development in Vickery, Ga., has started transforming into a money pit. To the dismay of the area's residents, the bankruptcy of Vickery's developer and rising foreclosures have sent neighborhood fees through the roof, even as property values have tumbled. As the author notes, it's unclear if the bucolic neighborhood will ever recoup its lost property values.

Small-Town Destitution

One doesn't have to travel to a sun-kissed wonderland to find a dream that came crashing down. As David Schepp documents in "The Housing Mess Hits One New York Town Hard," Mount Vernon, a scruffy suburb of New York City has also watched its property values plummet. With a majority African-American and Hispanic populace, the working-class city was heavy targeted by subprime lenders, a factor that helps explain why prices have fallen by 37% across the city and by as much as 72% in some neighborhoods.

...statistics show that despite Countrywide's representations, a much higher percentage of borrowers did not occupy the mortgaged properties:

...Overall, 18.3% of the loans sampled had recalculated LTV ratios of more than 10% higher than was claimed in the offering materials, and 6% of the loans sampled had recalculated LTV ratios of more than 25% higher than what was claimed in the offering circular. This overvaluation affected numerous statistics in the Offering Materials...For instance, the Offerings each made representations about the percent
of loans that had LTVs higher than 90% provide the lender little value
cushion to protect against borrower default and loss upon foreclosure.
However, the AVM indicates that a much higher percentage of the loans
had LTVs higher than 90%.

The Offerings uniformly represented that none of the Mortgage Loans that collateralized the Certificates had LTV ratios greater than 100 percent, meaning that the size of the loan is greater than the value of the property. (aka: being "underwater") Loans with over 100% LTV afford the lender no equity cushion and leave the lender with inadequate collateral from the outset of a loan. Allstate's analysis has found that, despite Countrywide's representations, a substantial number of Mortgage Loans had LTVs greater than 100%, as follows:

Allstate has also analyzed the weighted average LTV of the Mortgage Loans in each pool and has found that the weighted average LTV was also overstated, because of the overstatement of individual Mortgage Loans within the pools.

All these lies, and much, much more, can be found detailed in the filing below. At the risk of cheeiness, this is just a sampling of the sampling. And it demonstrates as all those who purchased loans from CFC/BofA that were repped to be in order, will find, following sampling or loan by loan analysis, that Brian Moynihan's bank committed acts of fraud after fraud, putting not only itself, but its underwriter counsel at risk time again. In fact, if there was anything remotely close to a working legal system in the US, what happened to Lehman's Repo 105 auditor, E&Y, should promptly befall every single underwriter's counsel which is jointly liable in representing that the data set forth by the underwriter is correct. But just as importantly, it means that of the hundreds of hundreds billions in loans sold by BofA to hapless dimwits, arguably the bulk of it is now subject to putbacks, and is of far worse quality than previously expected. It also means that the GSEs: those infinite receptacles of mortgage biohazard, are lying consistently when representing the state of their own books, which are likely orders of magnitude worse than the monthly status reports will indicate.

This is just starting to get interesting.

The full Allstate filing which is a must read for everyone is presented below.

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News Story Details

... McMurry, Schreiner, Sul Ross , Texas Lutheran, and HSU. The winner of the East Division is LeTourneau University of Longview, Texas. For more information, go to: http://www.ascsports.org/news/2010/12/16/GEN_1216105636.aspx ...

News Corp considers MySpace sale, what happened? - Lost Remote

After slashing 47% of its staff earlier this week, News Corp is considering selling the struggling MySpace, among other strategic options, Bloomberg reports. MySpace relaunched as an entertainment hub in October, ...