Friday, July 30, 2010

personal finance books


penis enlargement

Political operatives on Journolist worked to shape <b>news</b> coverage <b>...</b>

Political operatives on Journolist discuss laying the 'analytical framework within the media elite' in order to shape news coverage.

Fox <b>News</b>: Apple Is The New Religion And The Pope Is Scared

Jesus. Maybe literally. Fox News has a long and illustrious history of saying some fairly outrageous things. A story today on FoxNews.com may be one of the best yet -- certainly from a tech perspective. The post entitled.

Malaysian politician charged with graft - Arab <b>News</b>

At no time will Arab News attempt to alter the core meaning of a comment. 3. Reject the message, edit the message when the moderators judge it to be a personal attack, defamatory (or potentially defamatory), abusive, incite hatred or ...



a father's desk by milki.c


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Political operatives on Journolist worked to shape <b>news</b> coverage <b>...</b>

Political operatives on Journolist discuss laying the 'analytical framework within the media elite' in order to shape news coverage.

Fox <b>News</b>: Apple Is The New Religion And The Pope Is Scared

Jesus. Maybe literally. Fox News has a long and illustrious history of saying some fairly outrageous things. A story today on FoxNews.com may be one of the best yet -- certainly from a tech perspective. The post entitled.

Malaysian politician charged with graft - Arab <b>News</b>

At no time will Arab News attempt to alter the core meaning of a comment. 3. Reject the message, edit the message when the moderators judge it to be a personal attack, defamatory (or potentially defamatory), abusive, incite hatred or ...


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a father's desk by milki.c































Tuesday, July 27, 2010

foreclosure listings


penis enlargement

Is Illegal Immigration Bad for America&#39;s Health? « FOX <b>News</b> Health <b>...</b>

Dr.Manny and Fox News-C'Mon Man-Do Ya think we are STUPID? I ain't no rocket scientist but even a dumb Polack like myself figured this one out a LONG time ago.Let's get serious on securing the Border instead of throwing out a Bucket ...

Fwix Aggregates Hyper-Local <b>News</b> for Nearby and Relevant Stories

Fwix is a news aggregation service focused on dishing the dirt on hyper-local news stories to help you stay on top of what's happening right in your backyard. Fwix is available both in the US and select countries abroad.

eBook <b>News</b>: Wylie/Amazon; Penguin Earnings; Copyright Office <b>...</b>

eBook News: Wylie/Amazon; Penguin Earnings; Copyright Office Announcement & e-Books. + Authors Guild on the economics of the Wylie/Amazon agreement – a 300% increase in author income?; may give Amazon too much power (via TeleRead) ...



Houston Foreclosures Texas, 4Bd, 2Ba, $ 122,588.00 : ForeclosureConnections.com by ForeclosureConnections


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Is Illegal Immigration Bad for America&#39;s Health? « FOX <b>News</b> Health <b>...</b>

Dr.Manny and Fox News-C'Mon Man-Do Ya think we are STUPID? I ain't no rocket scientist but even a dumb Polack like myself figured this one out a LONG time ago.Let's get serious on securing the Border instead of throwing out a Bucket ...

Fwix Aggregates Hyper-Local <b>News</b> for Nearby and Relevant Stories

Fwix is a news aggregation service focused on dishing the dirt on hyper-local news stories to help you stay on top of what's happening right in your backyard. Fwix is available both in the US and select countries abroad.

eBook <b>News</b>: Wylie/Amazon; Penguin Earnings; Copyright Office <b>...</b>

eBook News: Wylie/Amazon; Penguin Earnings; Copyright Office Announcement & e-Books. + Authors Guild on the economics of the Wylie/Amazon agreement – a 300% increase in author income?; may give Amazon too much power (via TeleRead) ...


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Houston Foreclosures Texas, 4Bd, 2Ba, $ 122,588.00 : ForeclosureConnections.com by ForeclosureConnections


Monday, July 26, 2010

web internet marketing


The SmartScreen team just informed me that we’ve reached an amazing milestone – Internet Explorer 8 has blocked 1 billion attempts to download malware!


Socially engineering attacks like malware are a growing threat on the internet and are one of the most common risks to people’s safety online. We introduced malware protection in Internet Explorer 8 as part of the SmartScreen Filter and have talked about it on the Windows Experience Blog a couple of times over the last year.


Here are a couple of quick facts about Internet Explorer and malware as we hit this 1 billion blocks milestone:



  • NSS Labs have recognized the Internet Explorer 8 SmartScreen Filter as a leader in protection against Socially Engineered Malware in their August 2009 and March 2010 reports which compared Internet Explorer 8 to Chrome, Firefox and others.

  • Our malware block rates continue to improve because we continue to improve the SmartScreen service back-end. For example, in August 2009 we had blocked about 70 million attempts to download malware or about 18 million blocks per month. At the time, according to Net Applications, about 15% of the internet population used Internet Explorer 8. In the last two months, we’ve blocked 100 million attempts to download malware. Last month, according to Net Applications, nearly 26% of the internet population uses Internet Explorer 8. There are 1.7 times more users on Internet Explorer 8 than August 2009 but we’re blocking 5 times more malware month on month.


1 billion malware blocks is an amazing milestone and an example of two things. First socially engineered attacks like malware continue to be a real threat for users on the web. Second, to help keep you safe online your browser needs to continually enhance and improve its service. We have got better and better at blocking malware through the SmartScreen Filter because we have continued to invest in our back end service since we released IE8 in March 2009. It’s this investment that has kept us at the top of the socially engineering malware charts according to NSS Labs and has helped our customers stay safe online.


If you haven’t already upgraded to Internet Explorer 8, now would be a great time to do so at www.microsoft.com/ie . If you’ve already upgraded, you can check that SmartScreen Filter is enabled by going to the Safety Menu and clicking on SmartScreen Filter. If the menu gives you the option to “Turn Off SmartScreen Filter”, the SmartScreen Filter is switched on.


 


James Pratt, Senior Product Manager


Internet Explorer Business and Marketing Team

We know, it’s summer in some parts of the world — you don’t want to stay indoors all day everyday. Well don’t worry, even if you missed some of Mashable’s social media resources while out frolicking we’ve got another great list of resources from the past week to get you all caught up.

Below you’ll find our weekly power-guide to the best social media resources this side of the ‘Net. This edition includes a ton of business resources for the social-media-savvy entrepreneur and even some quirky facts (LOL used to mean “Little Old Lady”?). Whatever your passion, dig in and enjoy.

Social Media/>

  • 10 Cool Facebook Status Tips and Tricks/> Here are 10 how-to tips to help you get the most out of your Facebook status update, from features to apps, Easter eggs, jokes and more.
  • 13 Internet Slangs with Unexpected Alternate Meanings/> We’ve collected 13 internet slangs and acronyms with unexpected alternative meanings, ranging from downright unpredictable to hilariously ironic. ROFL!
  • 5 Handy YouTube Channels for DIY and Home Improvement/> You know you are Mr/Ms Fix It waiting to happen. These five class='blippr-nobr'>YouTubeclass="blippr-nobr">YouTube channels will guide you on your home improvement quest.
  • 5 Ways Social Media Helps Promote Good Health/> Getting healthy and staying healthy can be tricky on your own. Social media is providing new ways to build healthy communities and find cures.
  • How You Can Do Good with Small Actions: Try Bolder/> It’s easier than ever to do good using social media. Bolder helps motivate businesses and brands to donate and create change.
  • Musicians Can Help Each Other Get Famous with New Site/> Headliner is a real-time social media recommendation exchange for artists and bands.
  • How Rdio Makes Your Music Mix Social/> Rdio is a new way to share and discover great music. We break down the features and offer you some free invites to try it out.
  • 6 Crucial Social Media Tips for Traditional Media/> Now more than ever, traditional media outlets are embracing social media for generating story ledes, increasing site traffic and creating conversation with readers.

For more social media news and resources, you can follow class='blippr-nobr'>Mashable’sclass="blippr-nobr">Mashable social media channel on Twitterclass="blippr-nobr">Twitter and become a fan on Facebookclass="blippr-nobr">Facebook.

Tech & Mobile/>

  • HOW TO: Optimize Your Mobile Site Across Multiple Platforms/> One of the most difficult aspects of designing for the mobile web is making your site compatible and accessible across different devices. Read on for tips to minimize that problem.
  • 10 Tools for Distributed Developer Teams/> Now that we don’t all have to be in the same room to fiddle around with punch cards, the era of online connectivity is allowing for unprecedented freedom in how, where and when we work. Here are 10 tools for distributed developer teams.
  • 10 Free Wireframing Tools for Designers/> Wireframing is a crucial step in web design as it allows for rapid prototyping and helps to pinpoint potential problems early in the process. Here are 10 free wireframing tools.
  • How Hollywood Is Finally Cashing in on Web Video/> Hollywood has woken up and realized there is money to be made in web video. Many celebs are teaming up with advertisers to bring viewers sponsored and branded content.
  • How Non-Profits Can Maximize a Foursquare Account/> class='blippr-nobr'>Foursquare’sclass="blippr-nobr">Foursquare location-based network offers a unique brand of customer loyalty that can help non-profits connect with and expand their audience.

For more tech news and resources, you can follow Mashable’s tech channel on Twitter and become a fan on Facebook.

Business/>

  • HOW TO: Optimize Your Site for Search Engine Marketing/> While social media may have the media’s attention, search still trumps all when it comes to driving traffic and being discovered by potential new customers.
  • 5 Non-Profit iPhone Apps You Should Know About/> The ‘net is going mobile, and non-profits are joining in with branded apps to reach supporters, raise money, and deliver their missions in new and innovative ways.
  • 12 Clever Social Media-Friendly Business Cards/> While virtual business cards are becoming a viable alternative to paper cards, there is still a huge demand for traditional business cards. Here are 12 biz cards that integrate social media.
  • Keep Track of Business Contacts Anywhere on the Web/> Noteleaf helps you remember the people you meet. Easily take notes about people and keep in touch using follow-up reminders.
  • HOW TO: Use Game Mechanics to Power Your Business/> Gaming incentives are a great way to make your business model “sticky,” but implementing them effectively can be a challenge. These four tips can help.
  • How Real-Time Data is Changing Business Optimization/> Business owners want to stay on top of their analytics. Real-time data could offer new opportunities to learn and improve your company’s performance online.
  • 5 Tips for Managing Your Company’s Brand on the Web/> An inside look at the strategies of industry leaders who’ve spent years figuring out how to implement practical management practices into their daily work routines.
  • Why You Should Be Your Own Toughest Competitor/> Success requires constant reinvention and evolution. By being your own toughest competitor, you are always improving your product and company.
  • 5 Online Tools for Answering Your Small Business Questions/> Here are a five online tools for connecting with experts who may have answers to your small business questions.
  • Why Complaining Customers Can Be Good For Your Business/> Normally we don’t want customers to complain, but sometimes an unhappy customer can improve your business and be a smart way to succeed.

For more business news and resources, you can follow Mashable’s business channel on Twitter and become a fan on Facebook.

[Image Credit: Nitin Garg]

For more Social Media coverage:

    class="f-el">class="cov-twit">Follow Mashable Social Mediaclass="s-el">class="cov-rss">Subscribe to the Social Media channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

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Robert Naiman: Defense <b>News</b>: War Supplemental Not Needed to Fund <b>...</b>

If the war supplemental is not approved this week, the troops will still be paid and the troops will still be fully supplied. There is no "emergency" requiring action this week.

Going Global: George Stephanopoulos And ABC <b>News</b> Execs Discuss New <b>...</b>

Earlier this week, ABC News launched a new iPad application that adds a twist to the way most apps present the news: a third dimension. Fire up the app and you're immediately faced with a nifty-looking globe that's covered in headlines ...

How Fox <b>News</b> Covered Shirley Sherrod Story | Fox <b>News</b> | Mediaite

Since we broke down how Fox News' coverage could not have possibly led to Shirley Sherrod's forced resignation, the story of FNC's coverage has remained a hot topic on cable news. Dan Abrams and Rick Sanchez debated it, Howard Dean and ...



Logo_Net-Stratege conseil en web-marketing by jcrivet


























Sunday, July 25, 2010

web internet marketing

We know, it’s summer in some parts of the world — you don’t want to stay indoors all day everyday. Well don’t worry, even if you missed some of Mashable’s social media resources while out frolicking we’ve got another great list of resources from the past week to get you all caught up.

Below you’ll find our weekly power-guide to the best social media resources this side of the ‘Net. This edition includes a ton of business resources for the social-media-savvy entrepreneur and even some quirky facts (LOL used to mean “Little Old Lady”?). Whatever your passion, dig in and enjoy.

Social Media/>

  • 10 Cool Facebook Status Tips and Tricks/> Here are 10 how-to tips to help you get the most out of your Facebook status update, from features to apps, Easter eggs, jokes and more.
  • 13 Internet Slangs with Unexpected Alternate Meanings/> We’ve collected 13 internet slangs and acronyms with unexpected alternative meanings, ranging from downright unpredictable to hilariously ironic. ROFL!
  • 5 Handy YouTube Channels for DIY and Home Improvement/> You know you are Mr/Ms Fix It waiting to happen. These five class='blippr-nobr'>YouTubeclass="blippr-nobr">YouTube channels will guide you on your home improvement quest.
  • 5 Ways Social Media Helps Promote Good Health/> Getting healthy and staying healthy can be tricky on your own. Social media is providing new ways to build healthy communities and find cures.
  • How You Can Do Good with Small Actions: Try Bolder/> It’s easier than ever to do good using social media. Bolder helps motivate businesses and brands to donate and create change.
  • Musicians Can Help Each Other Get Famous with New Site/> Headliner is a real-time social media recommendation exchange for artists and bands.
  • How Rdio Makes Your Music Mix Social/> Rdio is a new way to share and discover great music. We break down the features and offer you some free invites to try it out.
  • 6 Crucial Social Media Tips for Traditional Media/> Now more than ever, traditional media outlets are embracing social media for generating story ledes, increasing site traffic and creating conversation with readers.

For more social media news and resources, you can follow class='blippr-nobr'>Mashable’sclass="blippr-nobr">Mashable social media channel on Twitterclass="blippr-nobr">Twitter and become a fan on Facebookclass="blippr-nobr">Facebook.

Tech & Mobile/>

  • HOW TO: Optimize Your Mobile Site Across Multiple Platforms/> One of the most difficult aspects of designing for the mobile web is making your site compatible and accessible across different devices. Read on for tips to minimize that problem.
  • 10 Tools for Distributed Developer Teams/> Now that we don’t all have to be in the same room to fiddle around with punch cards, the era of online connectivity is allowing for unprecedented freedom in how, where and when we work. Here are 10 tools for distributed developer teams.
  • 10 Free Wireframing Tools for Designers/> Wireframing is a crucial step in web design as it allows for rapid prototyping and helps to pinpoint potential problems early in the process. Here are 10 free wireframing tools.
  • How Hollywood Is Finally Cashing in on Web Video/> Hollywood has woken up and realized there is money to be made in web video. Many celebs are teaming up with advertisers to bring viewers sponsored and branded content.
  • How Non-Profits Can Maximize a Foursquare Account/> class='blippr-nobr'>Foursquare’sclass="blippr-nobr">Foursquare location-based network offers a unique brand of customer loyalty that can help non-profits connect with and expand their audience.

For more tech news and resources, you can follow Mashable’s tech channel on Twitter and become a fan on Facebook.

Business/>

  • HOW TO: Optimize Your Site for Search Engine Marketing/> While social media may have the media’s attention, search still trumps all when it comes to driving traffic and being discovered by potential new customers.
  • 5 Non-Profit iPhone Apps You Should Know About/> The ‘net is going mobile, and non-profits are joining in with branded apps to reach supporters, raise money, and deliver their missions in new and innovative ways.
  • 12 Clever Social Media-Friendly Business Cards/> While virtual business cards are becoming a viable alternative to paper cards, there is still a huge demand for traditional business cards. Here are 12 biz cards that integrate social media.
  • Keep Track of Business Contacts Anywhere on the Web/> Noteleaf helps you remember the people you meet. Easily take notes about people and keep in touch using follow-up reminders.
  • HOW TO: Use Game Mechanics to Power Your Business/> Gaming incentives are a great way to make your business model “sticky,” but implementing them effectively can be a challenge. These four tips can help.
  • How Real-Time Data is Changing Business Optimization/> Business owners want to stay on top of their analytics. Real-time data could offer new opportunities to learn and improve your company’s performance online.
  • 5 Tips for Managing Your Company’s Brand on the Web/> An inside look at the strategies of industry leaders who’ve spent years figuring out how to implement practical management practices into their daily work routines.
  • Why You Should Be Your Own Toughest Competitor/> Success requires constant reinvention and evolution. By being your own toughest competitor, you are always improving your product and company.
  • 5 Online Tools for Answering Your Small Business Questions/> Here are a five online tools for connecting with experts who may have answers to your small business questions.
  • Why Complaining Customers Can Be Good For Your Business/> Normally we don’t want customers to complain, but sometimes an unhappy customer can improve your business and be a smart way to succeed.

For more business news and resources, you can follow Mashable’s business channel on Twitter and become a fan on Facebook.

[Image Credit: Nitin Garg]

For more Social Media coverage:

    class="f-el">class="cov-twit">Follow Mashable Social Mediaclass="s-el">class="cov-rss">Subscribe to the Social Media channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

The SmartScreen team just informed me that we’ve reached an amazing milestone – Internet Explorer 8 has blocked 1 billion attempts to download malware!


Socially engineering attacks like malware are a growing threat on the internet and are one of the most common risks to people’s safety online. We introduced malware protection in Internet Explorer 8 as part of the SmartScreen Filter and have talked about it on the Windows Experience Blog a couple of times over the last year.


Here are a couple of quick facts about Internet Explorer and malware as we hit this 1 billion blocks milestone:



  • NSS Labs have recognized the Internet Explorer 8 SmartScreen Filter as a leader in protection against Socially Engineered Malware in their August 2009 and March 2010 reports which compared Internet Explorer 8 to Chrome, Firefox and others.

  • Our malware block rates continue to improve because we continue to improve the SmartScreen service back-end. For example, in August 2009 we had blocked about 70 million attempts to download malware or about 18 million blocks per month. At the time, according to Net Applications, about 15% of the internet population used Internet Explorer 8. In the last two months, we’ve blocked 100 million attempts to download malware. Last month, according to Net Applications, nearly 26% of the internet population uses Internet Explorer 8. There are 1.7 times more users on Internet Explorer 8 than August 2009 but we’re blocking 5 times more malware month on month.


1 billion malware blocks is an amazing milestone and an example of two things. First socially engineered attacks like malware continue to be a real threat for users on the web. Second, to help keep you safe online your browser needs to continually enhance and improve its service. We have got better and better at blocking malware through the SmartScreen Filter because we have continued to invest in our back end service since we released IE8 in March 2009. It’s this investment that has kept us at the top of the socially engineering malware charts according to NSS Labs and has helped our customers stay safe online.


If you haven’t already upgraded to Internet Explorer 8, now would be a great time to do so at www.microsoft.com/ie . If you’ve already upgraded, you can check that SmartScreen Filter is enabled by going to the Safety Menu and clicking on SmartScreen Filter. If the menu gives you the option to “Turn Off SmartScreen Filter”, the SmartScreen Filter is switched on.


 


James Pratt, Senior Product Manager


Internet Explorer Business and Marketing Team


Colorado <b>News</b>: The Week In Review (VIDEO, PHOTOS)

It's been a wild week for Colorado politics, as major developments the three most-watched statewide primaries have changed the face of the races and brought national attention to Colorado. We've recapped some of the week's biggest ...

Energy and Global Warming <b>News</b> for July 24rd, 2010: World&#39;s first <b>...</b>

You probably won't hear it from columnist George F. Will, Fox News commentators or the plethora of conservative blogs that have claimed global warming essentially stopped in 1998, but recent figures released by the National Oceanic and ...

<b>News</b> Roundup: Andrea Roth Joins &#39;Blue Bloods,&#39; Katheryn Winnick <b>...</b>

'Rescue Me' star Andrea Roth has joined the cast of CBS's cop drama 'Blue Bloods.' According to Ausiello Files, Roth will replace Wendy Moniz who had.


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Web 2.0 Internet Techology Upgrade by Wong Tooi Giap

























Thursday, July 22, 2010

tracking personal finances




Five Best Personal Money Management Sites





Web-based financial management tools have grown in sophistication to the point where many people manage their entire financial lives with online tools. Here's a look at five of the most popular personal money management sites.

Photo a mashup of images by Leonardini and Wilton.


Earlier this week we asked you to share your favorite personal money management site; now we're back to highlight the five most popular contenders.


Click on the screenshots below to take a closer look.


Buxfer (Basic: Free, Premium: From $2.79/month)


Many people are hesitant to use online banking services because of security concerns. Buxfer's compromise to provide ease of use while also assuring users and keeping things as controlled as they would like is to offer multiple methods for storing your credentials. You can manually synchronize your financial accounts with the site, you can store your passwords and login credentials locally using Google Gears, Firefox, or Safari, or you can use the Firebux Firefox extension—Firebux helps you automate the process of downloading financial data from your banking institutions and reviewing Buxfer data. If you'd like to skip the hassle of handling your own syncing, Buxfer offers automatic nightly syncing of your financial data, automatically logging into and pulling data from your various online money portals. Buxfer comes in three flavors: Basic (free), Plus ($2.79 per month), and Pro ($3.79 per month). All accounts include features like split bills, automatic tagging, and mobile access, but you'll pay a premium for unlimited budgets, bill reminders, and balance projections. You can try a live demo of Buxfer here.


Yodlee MoneyCenter (Free)


As many readers were quick to point out, Yodlee provides the guts to the user sites for hundreds of banking and financial services. Organizations like Mint, Thrive, and large banks like Chase use rebranded but Yodlee-powered interfaces. Yodlee users will often characterize Yodlee as similar to Mint, but without such a strong emphasis on flashy graphics. Instead it focuses more on analyzing your raw data—transaction descriptions, for example, are easier to search and more detailed. Yodlee can import data from thousands of institutions, help you generate a budget, automate your bill paying, and send out user-defined alerts. If you like the idea of a site like Mint but want more fine-grained control and the ability to manually tweak things when necessary, Yodlee is a solid alternative.


Mint (Free)


Mint has risen to prominence as a major player among web-based financial management tools by putting an extreme emphasis on user-friendliness and automation. The focus on automation is so strong, in fact, they only recently added the ability to add in any sort of manual transactions. By providing Mint with your various logins, you can track all your financial accounts in one place—checking, savings, credit cards, investments—and easily generate budgets and projections based off your data. Mint has won many people over, especially in the younger demographic, by being the first tool they've used to really get a good look at their money and where it's going.


ClearCheckbook (Basic: Free, Premium: $4/month)




ClearCheckbook is a web-based checking account ledger on steroids. You can track your spending, input your daily expenses from the web-interface or from your iPhone, Android, or Palm, and generate a budget with spending limits. Upgrading to a premium account gets you a custom report tool, custom transaction fields, future balance projection, and editing of the auto-suggest feature. Visit ClearCheckbook at the link above to check out the video tours of both the free and premium accounts—available at the bottom of the main page.


Mvelopes ($39.60/quarter)


Mvelopes is a robust web-based financial tool built on the old principle of budgeting with envelopes—each budget category gets an envelope with a set amount of money. Its focus on an old budgeting technique, however, doesn't mean you're stuck with dated tools. Mvelopes automatically pulls transaction data from hundreds of financial institutions, supports automatic bill payment, and helps you generate snapshots of your net worth as you adjust your budget and goals. Mvelopes is notable for being the only contender in the Hive without a free account option, a testament perhaps to how happy people are with the service that it made an appearance in the top five despite the lack of free-as-in-beer option.



Now that you've had a chance to look over the top five contenders for best personal money management sites, it's time to cast a vote for your favorite:





Have a favorite web-based tool that didn't get a nod or want to talk up your favorite a bit more? Let's hear it in the comments. Have an idea for the next Hive Five? Send us an email at tips@lifehacker.com with "Hive Five" in the subject line and we'll do our best to get your idea the attention it deserves.





Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.






Five Best Personal Money Management Sites





Web-based financial management tools have grown in sophistication to the point where many people manage their entire financial lives with online tools. Here's a look at five of the most popular personal money management sites.

Photo a mashup of images by Leonardini and Wilton.


Earlier this week we asked you to share your favorite personal money management site; now we're back to highlight the five most popular contenders.


Click on the screenshots below to take a closer look.


Buxfer (Basic: Free, Premium: From $2.79/month)


Many people are hesitant to use online banking services because of security concerns. Buxfer's compromise to provide ease of use while also assuring users and keeping things as controlled as they would like is to offer multiple methods for storing your credentials. You can manually synchronize your financial accounts with the site, you can store your passwords and login credentials locally using Google Gears, Firefox, or Safari, or you can use the Firebux Firefox extension—Firebux helps you automate the process of downloading financial data from your banking institutions and reviewing Buxfer data. If you'd like to skip the hassle of handling your own syncing, Buxfer offers automatic nightly syncing of your financial data, automatically logging into and pulling data from your various online money portals. Buxfer comes in three flavors: Basic (free), Plus ($2.79 per month), and Pro ($3.79 per month). All accounts include features like split bills, automatic tagging, and mobile access, but you'll pay a premium for unlimited budgets, bill reminders, and balance projections. You can try a live demo of Buxfer here.


Yodlee MoneyCenter (Free)


As many readers were quick to point out, Yodlee provides the guts to the user sites for hundreds of banking and financial services. Organizations like Mint, Thrive, and large banks like Chase use rebranded but Yodlee-powered interfaces. Yodlee users will often characterize Yodlee as similar to Mint, but without such a strong emphasis on flashy graphics. Instead it focuses more on analyzing your raw data—transaction descriptions, for example, are easier to search and more detailed. Yodlee can import data from thousands of institutions, help you generate a budget, automate your bill paying, and send out user-defined alerts. If you like the idea of a site like Mint but want more fine-grained control and the ability to manually tweak things when necessary, Yodlee is a solid alternative.


Mint (Free)


Mint has risen to prominence as a major player among web-based financial management tools by putting an extreme emphasis on user-friendliness and automation. The focus on automation is so strong, in fact, they only recently added the ability to add in any sort of manual transactions. By providing Mint with your various logins, you can track all your financial accounts in one place—checking, savings, credit cards, investments—and easily generate budgets and projections based off your data. Mint has won many people over, especially in the younger demographic, by being the first tool they've used to really get a good look at their money and where it's going.


ClearCheckbook (Basic: Free, Premium: $4/month)




ClearCheckbook is a web-based checking account ledger on steroids. You can track your spending, input your daily expenses from the web-interface or from your iPhone, Android, or Palm, and generate a budget with spending limits. Upgrading to a premium account gets you a custom report tool, custom transaction fields, future balance projection, and editing of the auto-suggest feature. Visit ClearCheckbook at the link above to check out the video tours of both the free and premium accounts—available at the bottom of the main page.


Mvelopes ($39.60/quarter)


Mvelopes is a robust web-based financial tool built on the old principle of budgeting with envelopes—each budget category gets an envelope with a set amount of money. Its focus on an old budgeting technique, however, doesn't mean you're stuck with dated tools. Mvelopes automatically pulls transaction data from hundreds of financial institutions, supports automatic bill payment, and helps you generate snapshots of your net worth as you adjust your budget and goals. Mvelopes is notable for being the only contender in the Hive without a free account option, a testament perhaps to how happy people are with the service that it made an appearance in the top five despite the lack of free-as-in-beer option.



Now that you've had a chance to look over the top five contenders for best personal money management sites, it's time to cast a vote for your favorite:





Have a favorite web-based tool that didn't get a nod or want to talk up your favorite a bit more? Let's hear it in the comments. Have an idea for the next Hive Five? Send us an email at tips@lifehacker.com with "Hive Five" in the subject line and we'll do our best to get your idea the attention it deserves.





Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.




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EXCLUSIVE: Brad Pitt To Star In &#39;World War Z,&#39; Paramount Options <b>...</b>

While chatting up "World War Z" author Max Brooks at the booth for comic publisher Avatar Press, the writer confirmed to MTV News that the adaption of his novel about the zombie apocalypse is not only moving forward, but Brad Pitt is ...

Rachel Maddow&#39;s Mega-Takedown Of Fox <b>News</b>&#39; &#39;Scare White People <b>...</b>

Watch Rachel Maddow document the history of the "scare white people" tactic among politicians, and more recently, Fox News.

Keith Olbermann Blasts Fox <b>News</b> Over Shirley Sherrod, Begs Obama <b>...</b>

Keith Olbermann suspended his vacation Wednesday night to return to "Countdown" with a Special Comment on the Shirley Sherrod scandal. Olbermann blasted Fox News and right-wing media while at the same time calling upon President Obama ...



First trial of TECI by Vikram Chadaga


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EXCLUSIVE: Brad Pitt To Star In &#39;World War Z,&#39; Paramount Options <b>...</b>

While chatting up "World War Z" author Max Brooks at the booth for comic publisher Avatar Press, the writer confirmed to MTV News that the adaption of his novel about the zombie apocalypse is not only moving forward, but Brad Pitt is ...

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Keith Olbermann Blasts Fox <b>News</b> Over Shirley Sherrod, Begs Obama <b>...</b>

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First trial of TECI by Vikram Chadaga































Wednesday, July 21, 2010

managing your personal finances

As you’ll read tomorrow (or Monday), I’ve entered a new phase in my life. After years of hard work and long hours building this blog (time that I’ve enjoyed), I’ve been shifting things around so that I have more free time. As a result, I’m going to have more time to devote to creating quality blog posts, instead of rushing around at the last minute looking for something to write about.


Because of this, it’s time yet again to take requests. I do this about once a year, and it’s a great way to get a feel for what GRS readers are interested in. I’d be grateful if you’d take the time to leave a comment below with topic suggestions or article requests. It doesn’t matter if we’ve covered the subject in the past. If you’d like me (or one of the other GRS staff) to write about it, let me know.


Have there been too many articles about credit cards? Too few articles about credit cards? Would you like to know more about individual savings accounts? Do you like the articles about the psychology of spending? Would it be helpful to have somebody come in to explain insurance concepts in plain English? Should I try to persuade my wife to share more of her recipes now and then? Let me know what you’d like to read about!


While you’re all providing feedback about the site, here are a few recent articles of note:


Over at The Simple Dollar, Trent and his readers had a thoughtful discussion about the obligations of wealth. “I think there is some inherent distrust of the rich in the mainstream of American society,” Trent writes as he describes how a wealthy person can keep from alienating his friends. There’s so much to say about this topic; I’m tempted to write an entire article about it.


GRS reader Steven writes a blog called Hundred Goals, which is about achieving your goals while managing your finances. After Sierra’s post this morning about travel, he dropped me a line to let me know that he has a recent article about how to have a great vacation.


Speaking of vacation, my pal Jason over at No Credit Needed spent time compiling day-use fees and free days for state parks across the United States. Handy page to bookmark!


And here’s more travel! At The Art of Non-Conformity, my good friend Chris Guillebeau has posted a beginner’s guide to travel hacking. I’ve been asking him to share this info for a long time; now I’ve got to take responsibility to use the knowledge he’s shared.


Finally, I’ve been giving a lot of interviews lately. I’m much more comfortable with these than I used to be. (They used to scare me to death!) Some examples:



  • Colleen from The Frisky interviewed me about how to save money even when you’re living paycheck to paycheck. This is a tough quandary, something I’m asked about a lot.


  • In an interview with BeFrugal, I discuss frugality, happiness, and conscious spending. (Note: “the ballot” should be “the balance” — I must have mumbled.)


  • Jeff Rose at Good Financial Cents also interviewed me. This interview is very much about the process of writing a book, which may or may not interest you.


  • I also spoke with Beverly Harzog from Card Ratings. We chatted about credit cards, of course, but also about other aspects of personal finance.


  • Finally, USA Weekend has a short piece on how to give your 401(k) a midyear check, for which author Richard Eisenberg interviewed me back in May. This is a perfect example of how much work goes into even a small newspaper article. Eisenberg spent 20-30 minutes on the phone with me, and I’m sure he did the same with the other folks he quotes. Plus, I’ll bet he spent a lot of time writing. I wouldn’t be surprised if there were 4-6 hours in this small piece.


Okay, one last thing before I go. Tim pointed me to a two-year-old New York Times series about the debt trap, which includes an interactive infographic showing average household debt loads over the past century.


That’s enough links for today. Please do leave a comment with topic requests or other feedback. Meanwhile, it’s time for me to go do some yardwork…









As you’ll read tomorrow (or Monday), I’ve entered a new phase in my life. After years of hard work and long hours building this blog (time that I’ve enjoyed), I’ve been shifting things around so that I have more free time. As a result, I’m going to have more time to devote to creating quality blog posts, instead of rushing around at the last minute looking for something to write about.


Because of this, it’s time yet again to take requests. I do this about once a year, and it’s a great way to get a feel for what GRS readers are interested in. I’d be grateful if you’d take the time to leave a comment below with topic suggestions or article requests. It doesn’t matter if we’ve covered the subject in the past. If you’d like me (or one of the other GRS staff) to write about it, let me know.


Have there been too many articles about credit cards? Too few articles about credit cards? Would you like to know more about individual savings accounts? Do you like the articles about the psychology of spending? Would it be helpful to have somebody come in to explain insurance concepts in plain English? Should I try to persuade my wife to share more of her recipes now and then? Let me know what you’d like to read about!


While you’re all providing feedback about the site, here are a few recent articles of note:


Over at The Simple Dollar, Trent and his readers had a thoughtful discussion about the obligations of wealth. “I think there is some inherent distrust of the rich in the mainstream of American society,” Trent writes as he describes how a wealthy person can keep from alienating his friends. There’s so much to say about this topic; I’m tempted to write an entire article about it.


GRS reader Steven writes a blog called Hundred Goals, which is about achieving your goals while managing your finances. After Sierra’s post this morning about travel, he dropped me a line to let me know that he has a recent article about how to have a great vacation.


Speaking of vacation, my pal Jason over at No Credit Needed spent time compiling day-use fees and free days for state parks across the United States. Handy page to bookmark!


And here’s more travel! At The Art of Non-Conformity, my good friend Chris Guillebeau has posted a beginner’s guide to travel hacking. I’ve been asking him to share this info for a long time; now I’ve got to take responsibility to use the knowledge he’s shared.


Finally, I’ve been giving a lot of interviews lately. I’m much more comfortable with these than I used to be. (They used to scare me to death!) Some examples:



  • Colleen from The Frisky interviewed me about how to save money even when you’re living paycheck to paycheck. This is a tough quandary, something I’m asked about a lot.


  • In an interview with BeFrugal, I discuss frugality, happiness, and conscious spending. (Note: “the ballot” should be “the balance” — I must have mumbled.)


  • Jeff Rose at Good Financial Cents also interviewed me. This interview is very much about the process of writing a book, which may or may not interest you.


  • I also spoke with Beverly Harzog from Card Ratings. We chatted about credit cards, of course, but also about other aspects of personal finance.


  • Finally, USA Weekend has a short piece on how to give your 401(k) a midyear check, for which author Richard Eisenberg interviewed me back in May. This is a perfect example of how much work goes into even a small newspaper article. Eisenberg spent 20-30 minutes on the phone with me, and I’m sure he did the same with the other folks he quotes. Plus, I’ll bet he spent a lot of time writing. I wouldn’t be surprised if there were 4-6 hours in this small piece.


Okay, one last thing before I go. Tim pointed me to a two-year-old New York Times series about the debt trap, which includes an interactive infographic showing average household debt loads over the past century.


That’s enough links for today. Please do leave a comment with topic requests or other feedback. Meanwhile, it’s time for me to go do some yardwork…










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Recycled &#39;NCIS&#39; Story Linked To Entertainment <b>News</b> Outsourcing In <b>...</b>

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Panasonic launches Lumix DMC-FZ45 digital superzoom: Digital <b>...</b>

Panasonic launches Lumix DMC-FZ45 digital superzoom: Along with the DMC-FZ100, Panasonic has also announced the Lumix DMC-FZ40 superzoom (FZ45 in Europe). Slotting in where the FZ38/35 left off, it features the same 25-600mm equiv. lens ...

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Tuesday, July 20, 2010

personal finance programs



Job opportunities?  What job opportunities.  You have one of the highest, if not the highest, unemployment rates in America. 



Look, it doesn't matter how beautiful a place might be, politics and culture can ruin it.



I've lived in Fresno and Monterey California.  Fresno isn't much, but Monterey was nice.  I've traveled and visited just about every place between San Diego to Oreville and I've panned for gold along the 49er highway.  I've visited every major park.  I've hiked it, I've camped it, sailed it, and I've swimmed it. 



California is truely a beautiful place, but it's politics and culture remind me of One Flew Over the Cuckoo's Nest.  The silly, job-killing, anti-business, social experiementation sort of cr*p that goes on there borders on the inane--or more accurately the insane.



California is perhaps the most intolerant state I've lived in--and I attended the University of Alabama when Governor Wallace stood in the door--but I had no problems with black students living in my dorm (I'm not from Alabama).  As far as I was concerned, they were just students trying to make a better life for themselves like me.



On the other hand, Conservatives in California are considered lower than pond scum.  See if students will allow a conservative to speak at Berkely or other liberal bastions without protests and interruptions--fat chance.  Despite professing a love of freedom of speech and diversity, most Californians find conservative speech and philosophy repugnant.  They do not want to hear an opposing argument.



For those of you who are not familiar with how intolerant Californian are please visit www.zombietime.com.  I can confirm that the lunatics on display pictured in those protests are in fact typical of liberal protesters. 



Did I mention that the politics there are about as corrupt as it gets?  I'll concede that Boston (lived there) is worse as a city and Illinois is worse as a state, but California is in the bottom 2.5 percent.



Can you name me another state that is 16 billion dollars in debt and wants to spend tax dollars on electronic license plates to advertise while your car is stopped at a red light.  Simultaneously, California is begging the federal government (i.e., everyone else in America) to bail them out?  Never mind that I may not agree with the product or the political position being advertised on the license plate, it will be making the state money.  These people are freaking nuts.



There is something in the water in California that somehow turns an otherwise wonderful place into a toxic political landfill.



Lest you think I've lived a protected life, I've lived in 13 states. I've visited all of the states.  I've lived in Canada.  I've lived in El Salvador (2 years) at the height of the civil war there.  I've lived in Vietnam for a year as a Marine platoon commander.  I've lived in Okinawa and mainland Japan.  And I've traveled extensively around the world in both the military and for business and pleasure.



While California is at the top of my list of beautiful places, it's at the bottom of my list for places to live.  There is more to quality of life than landscape.  Actually, I would prefer to go back to El Salvador than live in California.



When I returned from Vietnam in 1969, I landed in San Francisco on my way to my new assignment.  In those days, we were required to wear our uniforms.  All I wanted to do was to have a drink at the Top of the Mark where my parents once enjoyed a special occasion and my first decent dinner in over a year.  The reception I received from those ever so tolerant San Franciscans was in the form of a constant stream of expletives and intimidation.  My first night back in the US, I got into two fights in which I got my ass kicked being out numbered both times.  I never did get the drink or the dinner.



Right, welcome back for serving your country in a war that the politicians started.  Not much has changed.  They still loath the military while enjoying the freedoms the military guarantees them.



I do not support giving a single tax dollar to California to bail them out of the mess they made for themselves.  You screwed California up--you fix it yourself.



And to answer the rest of your question, while the culture, art, topography, climate, and sports may not be to your liking, I think Alaska and Hawaii (I've lived in both states) beats California hands down.  Alaska is breathtakingly beautiful if unforgiving.  Hawaii has better weather, beaches, sailing, swiming, topography, sports, and despite the fact that Hawaii is a left leaning state, the people are friendlier as well.  Actually, Florida is much better place to live too (born there).



Finally, I survived a major earthquake in El Salvador in October 1986.  It was a horrific event that I will never forget.  Thousands died.  My wife and I were lucky.  Even if California were perfect in every other respect, I would not live in an earthquake zone.  Unless you've survied a major earthquake, you don't know what it's like.



I'm now retired in Florida and enjoying my glass of wine each afternoon watching the sun set in the now oil clogged Gulf of Mexico.  It's still better than California. 





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President Obama Signs Iranian Sanctions Bill into Law


July 01, 2010 7:22 PM








ABC News’ Yunji de Nies and Sunlen Miller Report:



President Barack Obama signed a new sanctions bill against Iran aimed at “striking at the heart” of that country’s ability to develop nuclear weapons.  It’s a move the President says he did not seek, but one the Iranian government brought on themselves.



“Since taking office, I have made it clear that the United States was prepared to begin a new chapter of engagement with the Islamic Republic of Iran.  We offered the Iranian government a clear choice.  It could fulfill its international obligations and realize greater security, deeper economic and political integration with the world, and a better future for all Iranians.  Or, it could continue to flout its responsibilities and face even more pressure and isolation,” he said, “To date, Iran has chosen the path of defiance.”






Because of those choices, Mr. Obama says the United States and the international community will continue to increase their efforts to keep nuclear weapons out of the hands of Tehran. The new sanctions passed by Congress, entitled the ” Comprehensive Iran Sanctions, Accountability, and Divestment Act” limit fuel imports and the ability of foreign banks to do business with the Islamic Republic.



“It makes it harder for the Revolutionary Guards and banks that support Iran’s nuclear programs and terrorism to engage in international finance.  It says to companies seeking procurement contracts with the United States government—if you want to do business with us, you first have to certify that you’re not doing prohibited business with Iran,” the President said.



Even as he increases the pressure on their government, Mr. Obama sought to reassure the Iranian people that “the United States stands with the Iranian people as they seek to exercise their universal rights.  This legislation imposes sanctions on individuals who commit serious human rights abuses.  And it exempts from our trade embargo technologies that allow the Iranian people to access information and communicate freely.”



The President said this is not an irreversible course, and the Iranian government can still choose a path of peace.



“The door to diplomacy is still open.  Iran can prove that its intentions are peaceful,” the President said, “And it remains our hope that they choose this path, even as we are clear-eyed about the difficult challenges ahead.”



- Yunji de Nies and Sunlen Miller






July 1, 2010

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Quicken Online Bill Pay provides a comprehensive service for all your banking needs. Whether you are looking to simply pay bills online, build a savings account, and create a budget or manage your investments, business finances or rental properties. Quicken Bill Pay has a plan specifically suited for your needs.

The variety of products and services offered make handling your money organized and efficient. The Quicken Online website has a variety of excellent information in a wide variety of financial topics, such as; How to Combine Money with Your Honey, How to Resell Your Stuff for Cheap, Advice on Leasing Cars and Secrets to a Low Cost Vacation. Their blog covers it all.

For those looking for a simple way to pay bills, the basic Quicken Online Bill Pay is a free resource that takes only minutes to set up, but will take the headache out of juggling multiple creditors.

This free service includes a way to organize all your financial accounts, checking, savings, loans and credit cards in one place. Their easy to use budgeting tool is an extremely useful tool. All this is 100% free.

There is no need to worry about managing your finances with Quicken Online Bill Pay, they use a secure Internet connections and the latest SSL encryption technology. Your program is also protected with a password issued only to you.

If you are struggling with managing your personal finances, their website offers informative articles on budgeting; Stop Living Paycheck to Paycheck, Budgeting for Your Peace of Mind, Keep More Cash Take a Financial Inventory. These articles can help hone your financial skills.

Quicken Online customers can also sign up for a free iPhone application. This handy tool allows you to see your balance and other pertinent info from your phone. So you always know where you stand with your money.

Other great products, depending on your needs include, Quicken Deluxe, Quicken Premier and Quicken Home and Business. All of these offer the basic services, coupled with some special features depending on your needs.

Quicken Deluxe for $59.99, is designed to help manage your yearly taxes. This system merges perfectly with Turbo Tax, plus indentifies ways to save on your taxes throughout the year.

Create a customized plan to reduce debt with Quicken services. The money freed up could be used to invest more, use Quicken Premier for this. At $89.99 this program does all the above plus uses investment management tools to track portfolio performance and maximize your investments

For small business owners their Quicken Home and Business software is an important investment in and of itself. For $99.99, your can track both accounts and really know where you stand.

If you own rental properties you will want to utilize the Quicken Rental Property Manager for $149.99. The many features on this system will let you track payments, keep track of lease agreements, property management and manage your personal finances.

Their Quicken Home Inventory Manager for $29.99 is another extremely useful tool in protecting your financial standing. This program keeps an organized record of your possessions, receipts and photos to help with any insurance claim. You will be completely prepared for emergencies. Plus this system simplifies estate planning, keeps track of items, and the beneficiaries.

All the Quicken Online programs are easy to use, and offer free support. If you not satisfied, you can return it for a refund up to 60 days after purchase.

Check out the Quicken Online website to determine which program will fit your needs and help you meet your financial goals.


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Microsoft confirms Kinect price Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of Microsoft confirms Kinect price.

Project Milo back on Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of Project Milo back on. ... Latest Features. Milo & Kate Interview . Milo & Kate Hands On . Milo & Kate Interview . Latest Videos. E3: Project Natal - Milo demo 2 June, 2009. Latest News ...

Good <b>news</b> everyone | Firedoglake

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Monday, July 19, 2010

manage personal finances




Five Best Personal Money Management Sites





Web-based financial management tools have grown in sophistication to the point where many people manage their entire financial lives with online tools. Here's a look at five of the most popular personal money management sites.

Photo a mashup of images by Leonardini and Wilton.


Earlier this week we asked you to share your favorite personal money management site; now we're back to highlight the five most popular contenders.


Click on the screenshots below to take a closer look.


Buxfer (Basic: Free, Premium: From $2.79/month)


Many people are hesitant to use online banking services because of security concerns. Buxfer's compromise to provide ease of use while also assuring users and keeping things as controlled as they would like is to offer multiple methods for storing your credentials. You can manually synchronize your financial accounts with the site, you can store your passwords and login credentials locally using Google Gears, Firefox, or Safari, or you can use the Firebux Firefox extension—Firebux helps you automate the process of downloading financial data from your banking institutions and reviewing Buxfer data. If you'd like to skip the hassle of handling your own syncing, Buxfer offers automatic nightly syncing of your financial data, automatically logging into and pulling data from your various online money portals. Buxfer comes in three flavors: Basic (free), Plus ($2.79 per month), and Pro ($3.79 per month). All accounts include features like split bills, automatic tagging, and mobile access, but you'll pay a premium for unlimited budgets, bill reminders, and balance projections. You can try a live demo of Buxfer here.


Yodlee MoneyCenter (Free)


As many readers were quick to point out, Yodlee provides the guts to the user sites for hundreds of banking and financial services. Organizations like Mint, Thrive, and large banks like Chase use rebranded but Yodlee-powered interfaces. Yodlee users will often characterize Yodlee as similar to Mint, but without such a strong emphasis on flashy graphics. Instead it focuses more on analyzing your raw data—transaction descriptions, for example, are easier to search and more detailed. Yodlee can import data from thousands of institutions, help you generate a budget, automate your bill paying, and send out user-defined alerts. If you like the idea of a site like Mint but want more fine-grained control and the ability to manually tweak things when necessary, Yodlee is a solid alternative.


Mint (Free)


Mint has risen to prominence as a major player among web-based financial management tools by putting an extreme emphasis on user-friendliness and automation. The focus on automation is so strong, in fact, they only recently added the ability to add in any sort of manual transactions. By providing Mint with your various logins, you can track all your financial accounts in one place—checking, savings, credit cards, investments—and easily generate budgets and projections based off your data. Mint has won many people over, especially in the younger demographic, by being the first tool they've used to really get a good look at their money and where it's going.


ClearCheckbook (Basic: Free, Premium: $4/month)




ClearCheckbook is a web-based checking account ledger on steroids. You can track your spending, input your daily expenses from the web-interface or from your iPhone, Android, or Palm, and generate a budget with spending limits. Upgrading to a premium account gets you a custom report tool, custom transaction fields, future balance projection, and editing of the auto-suggest feature. Visit ClearCheckbook at the link above to check out the video tours of both the free and premium accounts—available at the bottom of the main page.


Mvelopes ($39.60/quarter)


Mvelopes is a robust web-based financial tool built on the old principle of budgeting with envelopes—each budget category gets an envelope with a set amount of money. Its focus on an old budgeting technique, however, doesn't mean you're stuck with dated tools. Mvelopes automatically pulls transaction data from hundreds of financial institutions, supports automatic bill payment, and helps you generate snapshots of your net worth as you adjust your budget and goals. Mvelopes is notable for being the only contender in the Hive without a free account option, a testament perhaps to how happy people are with the service that it made an appearance in the top five despite the lack of free-as-in-beer option.



Now that you've had a chance to look over the top five contenders for best personal money management sites, it's time to cast a vote for your favorite:





Have a favorite web-based tool that didn't get a nod or want to talk up your favorite a bit more? Let's hear it in the comments. Have an idea for the next Hive Five? Send us an email at tips@lifehacker.com with "Hive Five" in the subject line and we'll do our best to get your idea the attention it deserves.





Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.



Web technology has revolutionized finance by making it easier than ever to monitor cash flow and track trends in your spending. Mint.com has been a leader in this realm for personal finance: its technology helps you track multiple accounts, analyze spending trends, and manage financial goals.

There isn’t a clear counterpart to class='blippr-nobr'>Mintclass="blippr-nobr">Mint for businesses, though. That’s where inDinero, a Y-Combinator-funded startup, comes in.

inDinero, which launches today, is a web-based financial dashboard for small businesses. Like Mint, it aggregates financial data from bank accounts, investments, and other sources and places them in a simple, easy-to-navigate interface where you can quickly see your income, spending, recent activity, and your financial runway.

The app is divided into five parts: Dashboard, Income, Spending, Planning and Trends. Dashboard provides an overview of your business finances, Income provides detailed information about your income streams, Spending breaks down your different costs, Planning helps you set goals for your business, and Trends analyzes and graphs out spending and income trends in order to provide useful insights.

Businesses need this type of information in order to minimize costs while maximizing revenues. While solutions such as Mint also aggregate financial information and analyze it, they are not focused on small businesses. We look forward to seeing inDinero’s business toolset grow and evolve.

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, jwohlfeil

For more Business coverage:

    class="f-el">class="cov-twit">Follow Mashable Businessclass="s-el">class="cov-rss">Subscribe to the Business channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

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Trouble with your monthly budget? Need to visualize your financial investments? Described by Wikipedia as a "free web-based personal financial management service," Mint.com is a tool to keep track of your money and cash flow. The website was named one of the 50 best of 2008 by Time magazine. Here's how to make the most of the free service.

1. Sign up for a free account at Mint.com. To navigate there, visit this link: Mint.com

2. Enter your bank information so Mint.com can access your financial accounts through a secure connection. Enter as many financial accounts as you have so that Mint.com can aggregate the data into a single overview of your financial situation to help you manage finances easier.

3. You can also add information about your savings accounts, credit cards, investment accounts, loans, real estate, vehicles and credit score.

4. Once your personal finance accounts have been authenticated, your transactions and balance information will be updated nightly.

5. Use the data Mint.com compiles for you any way you choose. You may notice a horrifying spending habit or trend (like dining out too much) after examining one of Mint.com's helpful pie charts and graphs. Use the Mint.com budgeting tool to assure that you never again have to scrap together dollars at the end of the month to make your payments. Managing personal finances has never been more fun.

6. Mint.com uses your transaction activity to recommend credit cards, saving accounts and checking accounts that could help you save money.

7. Hook Mint up with your mobile device to get instant notifications about your financial situation.


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CNBC and covering the Apple <b>news</b> conference « Talking Biz <b>News</b>

Hal Morris, writing on his Grumpy Editor blog, likes how business news network CNBC covered Friday's news conference by Apple about its iPhone antennas, where no live broadcasts were allowed. Morris writes, “And that was the situation ...

Robin Hood 702 Strikes Again « Liveshots

On a blistering hot Friday morning in Las Vegas, Nevada, an unusual crew strolls out the VIP.

This Won&#39;t Hurt A Bit - Science <b>News</b>

Vaccination patch could make immunizations ouchless.


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Friday, July 16, 2010

personal finance




Mint Goals Attaches Real-Life Plans to Your Accounts





Mint.com has always offered a great view of your money, but you made the call on where it all went. The free webapp's new Goals section bridges the gap, offering smart tools for setting up plans and attaching accounts to them.

The goal offerings are suitably diverse and individualized, from the big-picture stuff like "Get out of debt" or "Plan for retirement" to the shorter-distance "Take a trip" and "Improve my home." If none of them quite fit, create a custom goal. After picking your goal, you're asked a series of questions about the cost, the date, and, most importantly, how you're going to finance this goal.



Mint.com can recommend new savings or deposit accounts for goals that involve saving, or start tracking one of your existing accounts to make sure you actually put in the, say, $100 per month that you said you would put aside. On the Goals page, you'll see exactly how you're doing, and Mint can gently nudge you by email or SMS when things aren't going so hot. It's like having that wise, steadfast uncle who's really good with money and willpower—except you don't risk family embarrassment with Mint, just personal let-down.


Mint.com's Goals are a part of the free service. If you've given them a test run and created some neat goals of your own, tell us about them in the comments.






Seven secrets of coupon pros [Consumer Reports] "Nancy Niemeyer, an IT project manager from Seattle, says she feeds her family of four for about $10 a week."

5 cheap places to retire in the US [MSN Money] "An expert offers his top picks, taking costs, culture and access to medical care into consideration."

How 5 money blunders ding your credit [Smart Spending] "FICO calls them 'damage points,' and, boy, can they pull down your credit score."

10 Things Funeral Directors Won't Tell You [Smart Money] "The best defense? Shop around, or have someone who is up to it do it for you."

7 Lessons the World Cup Offers on the Stock Market [Wall Street Journal] "Here are seven lessons that 'the beautiful game' can teach you about the money game."

— FREE MONEY FINANCE







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Stabroek <b>News</b> - Deal signed in Shanghai for Amaila

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McGraw-Hill Personal Finance Awards Ceremony by ICFJ







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Thursday, July 15, 2010

foreclosure homes





The information is based on April data and is therefore consistent with
the CS report. Both New York and Florida are at the top of the list of
states with the longest period between initial default and final
foreclosure. For the nation as a whole the number of days has nearly
doubled over the past few years. NY and Florida are 31% and 21% higher
than the national average.



This is not a coincidence. This is cause and affect in action. I live in
metro NYC and own property in S.Fl. I see what is going on. There are
many middle to upper price homes on the market that have not seen an
offer for more than a year. A good number of these are already in
default. The borrowers are underwater and there is nothing they can do. A
HAMP style ReFi accomplishes nothing. I know people in both areas who
have contacted their lender and have been told to come up with an
acceptable short sale or deed in lieu transaction. The borrowers have
been told by the bank(s) that if they do not cooperate they will have
their credit wrecked and be subject to default judgments. So the
borrower puts the house on the market and hopes for an offer that is
acceptable to the lender. In the mean time they stay in the home for up
to two years and pay very little (if anything) on the old mortgage.
There is substantial evidence that these people are buying IPhones and
going on vacation with the money they are saving by not paying the debt.
Some thoughts:



-This “extend and pretend” at its worst.



-The lenders will not let this continue forever. The day of reckoning is
coming. It well be felt in all of the states. It will be felt hardest
in the states that have the highest days to foreclosure numbers.



-As a former owner is foreclosed they will be forced to rent. Given that
few in this category are paying any meaningful amount of their current
monthly mortgage it is likely that they will have less disposable income
post foreclosure.



-My conclusions:





(A) RE in Fl and NY is going to tank this fall.



(B) Consumer demand for things from clothes, gadgets and leisure is
going to suffer an out sized decline.



(C) The extend and pretend policy is catching up with us. This approach
was a “buy some time” idea in the hope that things would work out. They
have not worked out. We are about to pay the price for that failure.



If we revert to more traditional levels in the ratio of initial default
and foreclosure we are going to hit an economic wall. This is just one
more thing stacking up against us.








Foreclosure Mediation Programs Succeed Across The Country — Will Pawlenty Give Minnesota’s A Chance?


Today, across the country, mortgage mediation programs aimed at helping struggling homeowners stay in their homes are getting underway. Programs are launching in Maryland, as well as Florida’s 6th and 10th judicial circuits — encompassing Pasco, Pinellas, Hardee, Highlands, and Polk counties — while Cook County, Illinois is beginning a huge round of outreach for its burgeoning program.


In all, “the number of jurisdictions with foreclosure mediation programs is nearly double the number a year ago, with jurisdictions in 21 states now offering foreclosure mediation or negotiation programs.” Not on this list, however, is Minnesota, where Gov. Tim Pawlenty (R) saw fit to veto a program last year.


The Minnesota state senate recently passed the bill again, sending it to the state House, so Pawlenty could very well get a second shot soon. And there’s simply no reason for him to oppose the program, as mediation — during which a bank meets face-to-face with a borrower, often in the presence of a judge and housing advocates, to try and forge a mortgage modification or other arrangement that prevents a foreclosure — is one of the most successful methods of helping struggling borrowers stay in their homes.


Connecticut’s mediation program, for instance, has kept 60 percent of its borrowers out of foreclosure. Philadelphia’s success rate is also 60 percent, while Nevada claims an 85 percent success rate:



About 80 percent of homeowners at risk of losing their homes don’t engage in any efforts to negotiate with their lender. And those who do so on their own often run into a bureaucratic mess, including hours on hold, lost records, and customer service representatives who know nothing about the borrower’s situation. Mediation helps to ensure that situations like that don’t happen.


“These new protections empower our fellow Marylanders, putting them on a more equal footing with mortgage companies that too often can’t be bothered to pick up the phone before beginning a foreclosure proceeding against a Maryland family,” said Governor Martin O’Malley (D). And lest Pawlenty think this is a purely partisan issue, it has also won the praise of Gov. Jodi Rell (R-CT). “Clearly, mediation is an effective tool homeowners can use to ward off foreclosure,” she said. “This program is a beacon of hope for hard-pressed homeowners and a real alternative for lenders.”


In mediation, there’s no requirement for a lender to accommodate a borrower, but it’s often the case that preventing a foreclosure is in the best financial interest of both the borrower and the lender. As CAP’s Andrew Jakabovics and Alon Cohen wrote, “the simple act of participating in mediation consistently yields solutions short of foreclosure that are acceptable to both sides.” Hopefully, should the Minnesota legislature do the right thing and create a program, Pawlenty will allow it to stand.






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Wednesday, July 14, 2010

1 internet marketing

The Real Results series is supported by Gist, an online service that helps you build stronger relationships. By connecting your inbox to the web, you get business-critical information about key people and companies. See how it works here.

Over the past two years, real estate professionals have found creative ways to overcome the real estate crisis, including finding innovative uses for social media. After facing drops in home sales well into 2010, real estate pros have been forced to utilize their offline skills in an increasingly social way online. By using photo and video sharing to enhance listings, along with professional networking sites to hone their sales skills, real estate veterans have made strides in moving inventory in tough times.

Agents, brokers and realtors have found successes in lead generation, sales and brand building through use of mass audience social platforms, including Twitterclass="blippr-nobr">Twitter, Facebookclass="blippr-nobr">Facebook, YouTubeclass="blippr-nobr">YouTube, Flickrclass="blippr-nobr">Flickr, Meetup, and LinkedInclass="blippr-nobr">LinkedIn, as well as real estate specific platforms, like Trulia, Zillow, WellcomeMat and Architizer.

Whether they are sharing videos, listings or advice with their communities and prospective buyers or sellers, real estate pros are making progress in using social media for real results.

Attracting Buyers and Sellers

The core goal of real estate pros utilizing social media is to attract sellers looking to list their homes or buyers looking to purchase homes. Naturally, the 1.0 version of social media for real estate is setting up pages on social networks that fit your company’s content and audience.

Corcoran Group, the largest residential real estate firm in New York City, is a fitting example of how real estate agencies are going above and beyond to make themselves available for buyers and sellers. Corcoran differentiates itself by simply being available and open. The “Do More” tab on their Facebook page says it all — you can find them on Twitter, Facebook, YouTube, Foursquareclass="blippr-nobr">Foursquare, and Gowallaclass="blippr-nobr">Gowalla, among other sites. And if you need more, you can download their iPhone app, where you can find nearby homes for sale or rent and open houses. The app also promotes their Twitter, Facebook and YouTube pages. If you dig a little deeper, you can also find Corcoran on Tumblrclass="blippr-nobr">Tumblr, Blip.tv and Vimeoclass="blippr-nobr">Vimeo. Simply put, Corcoran has found a way to be everywhere for its clients. This is the first step to converting fans and followers into buyers and sellers.


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