Monday, February 21, 2011

Making Money From the Internet




Mainstream media and major film distributors don’t speak “Crowd.” They just don’t seem to get it.


Crowd sourcing and crowd funding, by nature are not mainstream and Netizens happily communicate in their own language and with their own peeps.



Two filmmakers, Karl-Martin Pold and Sarah Noeringberg, are soliciting donations at StartNext online for their documentary, A Man Called Spencer; about the famous Italian actor, Bud Spencer, who is most known for his spaghetti westerns.


When the Italian press got wind of it, one of the newspapers released a misguided story claiming that Spencer was poor and was trying to raise money to support himself. Really?


In the cafe culture of creatives around the world who are familiar with the subject and meaning of crowd sourcing and its counterpart, crowd funding, the subject is still hot. They understand it and are embracing it by the thousands.


To clarify for those who may not yet have entered this democratized medium, crowd sourcing is a way to engage the talented citizens of the Internet in the creative aspects or other elements of a project, i.e., the script, music, effects shots, titles, trailers, etc.


A subset of crowd sourcing is crowd funding, a platform that enables filmmakers or other creatives to solicit monetary donations for their projects.


Perhaps one of the earliest films to appear online for free download was Star Wreck, released in 1997. It was 45 minutes long and message boards caught on fire. The phenomenon had begun.




The same team released one of the first collaborative films to crossover into the mainstream press and become well known, Star Wreck: In the Pirkinning. It was launched in 2000 by maverick filmmakers (five students and several unemployed friends from Tampere) with little money, lots of idealism and their own home computers.


The blue screen used behind many of the scenes of the film, was a piece of linoleum painted with blue chroma key paint and their equipment may not have been the most exotic, but they worked together to make their movie and found themselves in the post production process by 2004, much of which was completed in their homes. (This is a picture of creator and producer Samuli Torssonen’s kitchen that housed the render farm.)


Star Wreck: In the Pirkinning was released online on October 1, 2005, and within four days had over 400,000 downloads. It was subsequently shown on TV in Finland, Sweden and Norway and the DVD came out in the UK on April 4, 2009.

Continued on the next page






The President has recently announced a new plan to free up huge chunks of the wireless spectrum, increase the national coverage of 4G networks, and install a wireless public safety network. These are ambitious goals being set by the administration, perhaps the most being the 4G investment which the President has pledged will cover 98% of Americans.


To make this all work, the White House is planning to raise $27 billion in spectrum auctions, and then turning that money around to fund the investment in these areas:



  • $5 billion to bring 4G internet connections to rural America

  • $3 billion for 4G research and development to coincide with the construction

  • $10.7 billion for the wireless public safety network, which was called for years ago by the 9/11 commission

  • $9.6 billion for budget deficit reduction


The push behind this investment invites comparison to the past efforts to bring telephone communication and highway travel to all corners of America, and the administration has framed it’s arguments in support of the investment in the same light. From Networkworld:


“America’s businesses are building out 4G networks to much of the nation,” the White House said in a statement. “Nevertheless, absent additional government investment, millions of Americans will not be able to participate in the 4G revolution. This investment will … extend access from the almost 95 percent of Americans who have 3G wireless services today to at least 98 percent of all Americans gaining access to state-of-the-art 4G high-speed wireless services within five years.”


Commentators have noted, however, that the entire plan hinges on the money brought in from auctions. As any eBay patron can tell you, those don’t always work out how you want. But the emphasis on bringing Internet connectivity (and public safety) to the nation as a whole, is a worthy one. Keep in mind, this isn’t so much about 4G as it is bringing the Internet to mostly poor, isolated, outlying communities. Hopefully this initiative, however it really pans out, will give every American a more equal footing in the burgeoning information economy. Perhaps it will be little things like someone making some extra money on Etsy, or bigger things like a farmer finding a better price for his crop.


Either way, it will bring us a step closer to all being united, as as a people, underneath that glorious community that truly identifies this country: Facebook. I mean, uh, the American dream.


(Via Engadget, Networkworld)



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Thursday, February 17, 2011

Making Money Your

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(iStockphoto)


Have you noticed that your paychecks have been a bit larger than normal lately? That’s because in 2011, the government is cutting the social security payroll tax paid by individuals from 6.2% to 4.2%.


How much is that in stone cold cash? If your annual income is $40,000, that’s $800 over the course of the year divided among your bi-weekly or monthly paychecks. If you earn $80,000 annually, your extra pocket money is $1,600. For those who make $106,800 or above, you’ll see an extra $2,136. Since social security is taxed individually, married couples could get up to a $4,272 take home pay boost for the year.


Now, what should you do with your extra moolah? Sheryl Garrett, the author of the Personal Finance for Dummies Workbook, a Certified Financial Planner and founder of the Garrett Planning Network, suggests these 10 ways to wisely spend your money, in order of importance for increasing your financial standing for years to come.


Balance Your Budget


If you live paycheck to paycheck, or on a tight budget, the extra $66 per month (if your annual income is $40,000) could mean the difference in paying your electricity bill this month – or not. This month, balance your budget with the fatter paychecks. Next month, adjust your budget so your expenses and income balances when the payroll tax cut expires. Since this bonus money is a one-year deal, don’t rely on it next year to cover basic expenses. Focus on other expense-reduction strategies: negotiate your next lease, use coupons at restaurants, ditch buying grocery items that are spoiling in your fridge, or change your IRS withholding if you get a refund every year.


Settle old debts


“Wouldn’t it be nice to pay off your mom and dad for the money they lent you for an apartment deposit?” says Garrett. Use this money to pay off any money you borrowed from family or friends.


Pay Off Credit Cards (and keep them that way)


Credit cards are easiest to attack, since you see the bill each month. If you use Mint.com, you can set up a goal to pay down your credit-card debt, and Mint will prepare a customized plan for you based on your cards’ balances and interest rates.


Boost Your 401(k) Contributions


If you’re currently not taking advantage of the full amount your employer will match on your 401(k), use your extra cash here. Once you’ve fulfilled this amount, deposit any remaining funds in a Roth IRA.


Contribute to a Roth IRA


Unless your adjusted gross income is higher than $122,000 if you’re single, or $179,000 if you’re married, filing jointly, you are eligible to contribute up to $5,000 in a Roth IRA. (The contribution limit is $6,000 if you’re 50 or older.) If you haven’t already made that contribution for 2010, you have until April 18, 2011, to do so. You can also, of course, contribute another $5,000 for 2011. While the amount you contribute is not tax deductible, you’ll reap the benefits once you start making withdrawals: all your withdrawals, earnings included, are completely tax-free as long as you’ve held them for at least five years. (And, of course, you need to be 59 ½ or older to make penalty-free contributions.)


Buy Yourself Marketable Skills


Enhance your ability to earn money in any of a number ways. If you’re actively looking for a job, consider hiring a resume service to help polish your resume. If you’ve been thinking of going back to school, take your GRE or GMAT test. Take a continuing education course. Buy a snazzy suit for interviews. The key is to spend cash in a way that will boost your income, now or in the near future.


Invest in Your Health


If one of your New Year’s resolutions was to improve your health, now is the time to see a nutritionist. If you’re a smoker, join a stop smoking program. Buy a bicycle to save on gas, or caulk your windows or insulate home. With every investment, think: will this save me money next year by doing this action?


Shop for Organization Tools


Luckily, Mint.com and basic tax software is free, but consider upgrading to the non-free version if you have a home business or more complicated tax forms. If your important documents are scattered across the house, buy a file cabinet or an expandable file organizer. The better organized you are, the easier it will be to manage your money.


Take a Vacay


If you already have all these categories covered, take a vacation. A yoga retreat, cruise or weekend with your honey at a B&B may be just what you need to return home and spend quality time tweaking your budget to perfection.


Reyna Gobel is a freelance journalist who specializes in financial fitness. She is also the author of Graduation Debt: How To Manage Student Loans and Live Your Life.





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Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

ABC <b>News</b> Correspondent Beaten in Bahrain - The Hollywood Reporter

Miguel Marquez says he began yelling "Journalist!" during the military crackdown to show he wasn't a protestor.

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.


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Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

ABC <b>News</b> Correspondent Beaten in Bahrain - The Hollywood Reporter

Miguel Marquez says he began yelling "Journalist!" during the military crackdown to show he wasn't a protestor.

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.


benchcraft company scam

Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

ABC <b>News</b> Correspondent Beaten in Bahrain - The Hollywood Reporter

Miguel Marquez says he began yelling "Journalist!" during the military crackdown to show he wasn't a protestor.

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.


benchcraft company scam

Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

ABC <b>News</b> Correspondent Beaten in Bahrain - The Hollywood Reporter

Miguel Marquez says he began yelling "Journalist!" during the military crackdown to show he wasn't a protestor.

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.


benchcraft company scam

Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

ABC <b>News</b> Correspondent Beaten in Bahrain - The Hollywood Reporter

Miguel Marquez says he began yelling "Journalist!" during the military crackdown to show he wasn't a protestor.

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.


bench craft company scam

Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

ABC <b>News</b> Correspondent Beaten in Bahrain - The Hollywood Reporter

Miguel Marquez says he began yelling "Journalist!" during the military crackdown to show he wasn't a protestor.

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.


bench craft company scam

Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

ABC <b>News</b> Correspondent Beaten in Bahrain - The Hollywood Reporter

Miguel Marquez says he began yelling "Journalist!" during the military crackdown to show he wasn't a protestor.

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.


bench craft company scam

Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

ABC <b>News</b> Correspondent Beaten in Bahrain - The Hollywood Reporter

Miguel Marquez says he began yelling "Journalist!" during the military crackdown to show he wasn't a protestor.

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.


bench craft company scam

Why is Fox <b>News</b> Trashing Ron Paul ? | The Big Picture

Busted: Fox News Fakes CPAC Presidential Straw Poll Bizarre deception by Fox News via boingboing, running the 2010 crowd noise booing Ron Paul's 2011 win.

ABC <b>News</b> Correspondent Beaten in Bahrain - The Hollywood Reporter

Miguel Marquez says he began yelling "Journalist!" during the military crackdown to show he wasn't a protestor.

Obama to Friend Zuckerberg in San Fran - FoxNews.com

UPDATE: FOX News has confirmed two other participants in Thursday's meeting. Both Google Chief Executive Eric Schmidt and Apple CEO Steve Jobs will join Zuckerberg and the president.















Tuesday, February 15, 2011

Affiliate Making Money


Facebook's 3rd Biggest Advertiser Accused Of Being Affiliate Toolbar Scam; Facebook Says It's Never Heard Of The Company

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There have been numerous reports lately concerning just how much money Facebook is making on ads. That's part of the reason it was able to get that otherworldly $50 billion valuation from some. However, some are noticing something fishy in the Facebook ad business. After seeing an AdAge article mention in passing that the third largest advertiser on Facebook is not a household namebrand, but rather Make-My-Baby.com. Google's spam-catcher-in-chief Matt Cutts did some digging and quickly noticed that the site appears to be a sketchy toolbar installer that tries to switch you to using Bing, and then it gets an affiliate cut of any search ads you click on going forward. Cutts also points out that the URL to tell you how to uninstall the toolbar leads to a 404 page not found -- and many folks have had difficulty uninstalling the toolbar.



Marshall Kirkpatrick, over at ReadWriteWeb, digs in deeper and wonders if anyone at Facebook or Microsoft is actually minding the store. Even if they didn't directly know this was happening, if this is really the third largest advertiser on Facebook, both of those companies had to know something was up, just based on the numbers. A company like Facebook is intimately aware of its third biggest advertiser, and if the company is really driving that much traffic to Bing, then Microsoft would surely know about it as well.



Of course, this is where the story gets more bizarre. While Microsoft's response to this story was to cut off the company, Facebook's response was to claim that the company isn't an advertiser at all, let alone the third largest advertiser on the site. So how is it that reports suggest the company is the third largest advertiser, when Facebook claims they're not an advertiser at all? The company does have a slight hedge, by saying that "any affiliates that try to push people there we would shut down." So it's possible that it was hidden through some sort of affiliate setup before Facebook caught it -- but no one seems to be revealing any of the details.



Either way, all of this sounds quite reminiscent of the old adware days, where all sorts of sketchy companies would trick people into installing software to scrape up affiliate revenue. We hadn't seen much of that lately, as many of the old players eventually got wiped out, but it's hardly a surprise that similar schemes would quickly jump up in a Facebook world, whether or not it was officially through Facebook's advertising functionality.



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It doesn't seem possible that there'd be money to be made from lending e-books. But at least one woman figured out how to do it, and more little lending conglomerates seem to be on the way.


When on Dec. 30, Kindle decided to allow its customers to lend copies of purchased e-books (but only for 14 days, and only to one person), a 40-year-old Canadian woman named Catherine MacDonald had an idea that literally popped up in her dreams. She started the Kindle Lending Club. It started out as a Facebook site, where she'd match up people who wanted to lend a book to people who wanted to borrow. It quickly grew out of hand, so she looked for angel seed money.



Finding someone who was willing to invest $12,500, she launched a slick Web site and created a place where people can come and look for specific e-books, or offer to lend them. So far, she has lent more than 1,000 e-books among total strangers and it's all worked without a hitch.


But where does the money come in? If the lender finishes the book within the 14-day limit, no fees are assessed and everything is free. But if the borrowers discover that they can't finish within Amazon's 14-day lending window (and things do come up in life--someone gets sick, or a business trip comes up) lendees can offer a link to buy the e-book and lenders share a portion of the resulting revenue through Amazon's Affiliate Program. For anyone familiar with Amazon's affiliate program, it takes a lot to actually make any money, but if the business person is dogged about going about it, he or she can make some bucks out of the program. So the lendee gets an e-book at a good price, and everyone's happy.


However MacDonald in Canada is hardly the first person to come up with the idea of the Kindle Lending Club. She was merely one of the first. Now there are many on the Web and not just for Kindles either. There are nook lending clubs popping up too. Kindles and nooks don't mix, thanks to incompatible software.

Continued on the next page


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Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.


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Heptastic science <b>news</b>

The full list: The Twitter 100 - Its 200 million users share 110 million messages a day - and if ...

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.


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Heptastic science <b>news</b>

The full list: The Twitter 100 - Its 200 million users share 110 million messages a day - and if ...

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.


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Heptastic science <b>news</b>

The full list: The Twitter 100 - Its 200 million users share 110 million messages a day - and if ...

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.


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Heptastic science <b>news</b>

The full list: The Twitter 100 - Its 200 million users share 110 million messages a day - and if ...

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.


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Heptastic science <b>news</b>

The full list: The Twitter 100 - Its 200 million users share 110 million messages a day - and if ...

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.


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Heptastic science <b>news</b>

The full list: The Twitter 100 - Its 200 million users share 110 million messages a day - and if ...

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.


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Heptastic science <b>news</b>

The full list: The Twitter 100 - Its 200 million users share 110 million messages a day - and if ...

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.


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Heptastic science <b>news</b>

The full list: The Twitter 100 - Its 200 million users share 110 million messages a day - and if ...

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

















Friday, February 11, 2011

Secrets to Making Money

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Conformism and Public <b>News</b> | The Big Picture

Get your geek on: We study a model where investment decisions are based on investors' information about the unknown and endogenous return of the investment.

Is This the Best <b>News</b> Picture in the World? World Press Photo <b>...</b>

Jodi Bieber wins the World Press Photo of the Year for her portrait of an Afghan woman who was disfigured by her husband on authority of the Taliban.

Facebook Changes <b>News</b> Feed Settings, Some Users Only Shown Close <b>...</b>

Facebook recently changed the options in its news feed settings so users either “Show posts from: friends and Pages you interact with the most” or from “all of your friends and Pages.” Some users have unknowingly been defaulted to the ...


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Conformism and Public <b>News</b> | The Big Picture

Get your geek on: We study a model where investment decisions are based on investors' information about the unknown and endogenous return of the investment.

Is This the Best <b>News</b> Picture in the World? World Press Photo <b>...</b>

Jodi Bieber wins the World Press Photo of the Year for her portrait of an Afghan woman who was disfigured by her husband on authority of the Taliban.

Facebook Changes <b>News</b> Feed Settings, Some Users Only Shown Close <b>...</b>

Facebook recently changed the options in its news feed settings so users either “Show posts from: friends and Pages you interact with the most” or from “all of your friends and Pages.” Some users have unknowingly been defaulted to the ...


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Conformism and Public <b>News</b> | The Big Picture

Get your geek on: We study a model where investment decisions are based on investors' information about the unknown and endogenous return of the investment.

Is This the Best <b>News</b> Picture in the World? World Press Photo <b>...</b>

Jodi Bieber wins the World Press Photo of the Year for her portrait of an Afghan woman who was disfigured by her husband on authority of the Taliban.

Facebook Changes <b>News</b> Feed Settings, Some Users Only Shown Close <b>...</b>

Facebook recently changed the options in its news feed settings so users either “Show posts from: friends and Pages you interact with the most” or from “all of your friends and Pages.” Some users have unknowingly been defaulted to the ...


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Conformism and Public <b>News</b> | The Big Picture

Get your geek on: We study a model where investment decisions are based on investors' information about the unknown and endogenous return of the investment.

Is This the Best <b>News</b> Picture in the World? World Press Photo <b>...</b>

Jodi Bieber wins the World Press Photo of the Year for her portrait of an Afghan woman who was disfigured by her husband on authority of the Taliban.

Facebook Changes <b>News</b> Feed Settings, Some Users Only Shown Close <b>...</b>

Facebook recently changed the options in its news feed settings so users either “Show posts from: friends and Pages you interact with the most” or from “all of your friends and Pages.” Some users have unknowingly been defaulted to the ...


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Make More Money in your Personal Training Business :: Rocco Castellano's Ultimate Personal Trainer Consultation System :: Earn Your Six Figure Income :: by thenyouwin


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Conformism and Public <b>News</b> | The Big Picture

Get your geek on: We study a model where investment decisions are based on investors' information about the unknown and endogenous return of the investment.

Is This the Best <b>News</b> Picture in the World? World Press Photo <b>...</b>

Jodi Bieber wins the World Press Photo of the Year for her portrait of an Afghan woman who was disfigured by her husband on authority of the Taliban.

Facebook Changes <b>News</b> Feed Settings, Some Users Only Shown Close <b>...</b>

Facebook recently changed the options in its news feed settings so users either “Show posts from: friends and Pages you interact with the most” or from “all of your friends and Pages.” Some users have unknowingly been defaulted to the ...


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The sale flyers are out, the commercials are playing, the kids are grumbling. It must be back to school time. But with gas and food prices up and concerns about the economy, how can we get kids ready for the big day without spending what's left until pay day?

The number one way to save money is to not spend it. Spending money on sale items is still spending. Saving 25 percent off a marked up price isn't really saving at all.

Secret #1 - Know your pricing and comparison shop. If store "A" has overpriced pants for 30 percent off and store "B" has less expensive pants for 25 percent off, you really have to compare the after the discount price before you decide on the better deal. Sounds obvious right? But you can't compare unless you look at the teeny-tiny print on the sale ad (hidden under the huge % symbols) or you go to several stores (never a pretty sight with children along).

Secret #2 - The big discounts probably are not all that big. The stores know they are going to sell most of their product at the discounted price so the "regular" price is set arbitrarily high and the timely "sales" are more advertising that savings. The real savings come after the sale when the remaining product is marked down again.

Secret #3 - Clearance racks. The clearance rack consists of clothing moving out of season, clothing nobody wanted to buy, extreme sizes, or clothing that was returned. The secret is to check the clearance racks just before a big sale when staff will be making mark-downs and clearing space for new product and to think ahead. If stores are closing out summer items, look a size or two ahead and stock up for next year. You can buy items at a fraction of the cost and keep them stored away for the right season. But what about back to school clothes? Those jeans and long sleeves will not really be weather appropriate for a few months anyway so consider not buying them now. Wait until just before Thanksgiving when the back to school items will move to clearance to make way for the Christmas stock.

Secret #4 - Kids care most about certain items and less about other items. Focus your spending where you get the most bang for your buck. Chances are your school-age child cares little about the color or style of his socks or undershirts. In fact, often boys care little about the brand of their clothes and more about a token sweatshirt or shoes. Some girls are more interested in a cute jacket or skirts and t-shirts can be plain. Be budget minded on most things and splurge where you know your child will feel it most.

Secret #5 - Don't buy more than you really need. Check the closets and drawers to see what fits and what is needed before you shop. Write down a list of on hand clothing styles and colors that still fit and ideas for what items might fill in any gaps. Saving money means not spending it, so that cute skirt might be a great price but if there are 6 skirts in the closet at home it may be unnecessary. Know what you need to buy before you enter the store.

Shopping on a budget can be fun. Know the secrets and know how much you want to spend. Shop when everybody is well rested and well fed. When you know how to make the most of your spending dollars you will feel confident in your choices and save some money too.

Tuesday, February 8, 2011

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