Monday, January 24, 2011

how to manage personal finances

LaunchBox Digital, a VC firm specializing in angel, seed, and early stage investments, just wrapped up its third annual 12-week startup mentoring program. Similar to Y Combinator and TechStars, LaunchBox invests seed capital of $20,000 into startup teams and provides them with 12 weeks of education, mentorship, and access to advisers. The following 7 LaunchBox10 companies are graduating from this year’s program and will be going live as part of LaunchBox Demo Day, where the companies will present their businesses to potential investors and strategic partners.

Without further ado, here are the graduates:

CityPockets (Crunchbase profile): Today, we live in the world of the Groupon clone, and thanks to the Google-shunning colossus, “daily deal” websites now litter the Web. These sites have been a big hit among mom and pop shops and small businesses because they can be such an effective way to attract new, local customers. The problem for these merchants, however, has been converting new customers into loyal, repeat visitors. According to LaunchBox, less than 15% of “deal jumpers” return to the same merchant again without another deal offer. On the whole, these merchants struggle to retain the influx of new customers, failing to take the steps to establish that critical, lasting relationship with the consumer.

CityPockets.com is a real-time, self-serve merchant CRM platform that aims to address customer retention issues by allowing merchants to more easily capture user contact info and to offer repeat discounts. In addition, the platform empowers merchants to manage gaps in supply and demand by sending out time-sensitive, limited-quantity offers whenever it makes sense for their businesses. Customers opt-in to follow their favorite merchants via CityPockets’ web and mobile apps.

Businesses interested in being part of the CityPockets Merchant Network can sign up here, and Daily Deal users can sign up at CityPockets.com to access and keep track of all voucher purchases from across popular Daily Deal sites on a single platform, and eventually receive more offers from relevant merchants of their choice.

FiscalPie (Crunchbase profile): FiscalPie breaks down the barrier between personal finance and social networks by providing users with Facebook applications that enable users to compare their finances with others and, in turn, learn how to make more educated financial decisions. One such FiscalPie application, “Retire Where?” shows you which cities you’ll be able to afford in retirement and allows you to compare your it with the future location of your friends.

FiscalPie works to make the myriad sources of financial information on the Web more reflective of your own specific circumstances—while keeping your information private —by creating an anonymous network of people that share similar financial profiles. Until the individual truly becomes part of the conversation, financial information has little significance. FiscalPie is hoping to start that dialog—socially.

HEALTHeME (Crunchbase profile): HEALTHeME delivers treatments that empower those struggling with weight, stress, and mood issues to better manage their health via the web and their mobile phone. The HEALTHeME platform combines clinical treatments and artificial intelligence to create customized behavior modification plans based on users’ lifestyles, health goals, and personality type. HEALTHeME then leverages real-time coaching, social networks and user’s healthcare providers to offer a truly personalized user experience. Would love to see an app for this, too.

Keona Health (Crunchbase profile): Keona Health is a company that optimizes admissions for primary care providers, increasing both productivity and cost savings. Keona’s Patient Decision Support system empowers patients with instant, personalized advice that aims to resolve up to 10% of patient cases at home. Triage nurses review each case, but with the goal of being 5 times faster and with more comprehensive safety checks than before. As a result of the greater emphasis on in-home consultation, when patients need to travel into the office to see a doctor, they should find reduced delays and wait times.

Keona has partnered with UNC and Duke to develop a decision engine that has already analyzed over 1,000 real medical records, and UNC Campus Health Services is acting as Keona’s first beta customer. During 2011, Keona Health plans to expand to several additional universities.

Leaguescape (Crunchbase profile): Leaguescape is a new platform for fantasy sports that combines social gaming and betting and allows you to collect all your fantasy sports leagues in one place. Like the Pokerstars or Full Tilt Poker of fantasy sports, Leaguescape allows fantasy sports enthusiasts to manage and bet on their season leagues and get their daily fix of fantasy sports with a variety of game offerings that enable users to draft, watch, and win on a daily basis.

Drawing on the online poker model, Leaguescape provides all things a fantasy sports bettor could need, including a variety of gaming types, rewards, and promotions.

Slipstream (Crunchbase profile): The likelihood is that your Twitter stream is an unfavorable mix of a few things you care about and a lot you don’t. You don’t want to miss out on important news and events, but you don’t have time to read everything. Slipstream wants to rid your stream of irrelevant Tweets.

Today, Slipstream launched its third prototype, a Chrome extension that lets you hide tweets on Twitter.com. It works seamlessly to help you get rid of things like Foursquare checkins, paper.li mentions, or when people you’re following start live-tweeting events. Gonezo. Simply click the “Hide” link that Slipstream adds to the end of every tweet and begin filtering your stream. It’s that easy.

Spring Metrics (Crunchbase profile): Spring Metrics helps you grow your online business by providing a deeper understanding of your customers and how they interact with your website. Spring Metrics seeks to make complex web analytics more friendly and digestible for marketers and e-commerce professionals who don’t want to wrestle with the complexity of traditional analytics products.

With an easy-to-use interface that requires no coding knowledge, Spring Metrics eliminates the hassle of creating conversion funnels and goals. The company’s real-time dashboard offers an array of conversion-oriented metrics, and the “Insight Engine” unearths actionable patterns in the data—patterns aimed at helping turn more visitors into paying customers.

Without further ado, here are the graduates:

Drawing on the online poker model, Leaguescape provides all things a fantasy sports bettor could need, including a variety of gaming types, rewards, and promotions.

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Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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

Probably Bad News: Headline FAIL - Epic Fail Funny Videos and ...

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Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

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Probably Bad News: Headline FAIL - Epic Fail Funny Videos and ...

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Probably Bad News: Headline FAIL - Epic Fail Funny Videos and ...

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Right Wing News is the best source on the net for conservative news, views, & interviews.

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Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

Probably Bad News: Headline FAIL - Epic Fail Funny Videos and ...

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Interviewing Thomas Sowell On Basic Economics | Right Wing News

Right Wing News is the best source on the net for conservative news, views, & interviews.

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Arrowheadlines: Chiefs News 1/24 - Arrowhead Pride

Probably Bad News: Headline FAIL - Epic Fail Funny Videos and ...

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Interviewing Thomas Sowell On Basic Economics | Right Wing News

Right Wing News is the best source on the net for conservative news, views, & interviews.

Tuesday, January 18, 2011

Making Money Advertising

or if you aim big you can even advertise with Google Adwords and pay only if someone clicks your add:http://google.com/adwords4. Consider me your real business friend and start your first link exchange with my blog: ad my link to your blog or website and I shell do the same adding your link over here on http://realbucksonline.blogspot.com/ Also consider that I will post a new method of making real bucks online every week so stay connected here via bookmark or RSS feed.
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The most important thing in it is to get referrals : directly or rented ones. And the second important thing is to relay on the most trusted and stable sites. This is like betting on the most probable winner with a Team of Betters behind you.
Now,the first rule in business is to MEAN it. Not necessarily to be mean but to be serious about it. So if you think to make a living online you must be serious, hard working and learn it every step of the way. By all means you will get to SUCCEED IN TIME. With the second important thing, related to paying and stable sites you can get help from average experience or custom search on the net for top paying sites on Google. The really heavy duty thing is to build a Team of Referrals. According to this, the most affordable approach is to rent them with the amount of money you already earned on a site. The difficult part is to convince a direct referral to join in your downline and be active on every day. This is like direct-sales in the real world: 50% chances (or less) to make them buy something which is more a game than a business. The rest of 50% is advertising or make believe (super-fantasizing) that something is useful and generates a sort of monthly real income. This fantasies go from promises of other great deals to even promises of 10(ten!) dollars per click:) And believe me, there are sites which ”offer” more than that, even the moon from the sky, just to get you join their scam. There are two kind of experiences related to this ”make believes”: one is to be a realistic guy by nature and the second is to try things until they prove lies. Everyone is preferring the first category except the advertisers, who are preferring the second one. Well, if you want to really be in the first category, and play this ptc game, you have to discern between a real buck and a promised one, in Neverland. You may say that each and every dime is just a promise in the ptc virtual world, until that dime profs it*s real in your pocket. It*s true but that does not mean you stop discerning reality from dreams. You must keep your goal to make real money online, gather experience and build a system that really works keeping you satisfied with your decent earnings and little, indecent losses.
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BigGov: Chevy's Green Efforts Due To "Leftists Tak[ing]
Over" And Are Funded By Taxpayers

BigGov Claims Chevy's
Green Efforts "The Kind of Business Model That You Get When Leftists Take
Over." A January 13 post on Andrew Breitbart's blog Big Government
mocked Chevrolet's Carbon Reduction initiative, which focuses on "investing in
greenhouse gas-reducing projects...like wind farms, solar and energy efficiency,"
according to the initiative's website. [Chevycarbonreduction.com, accessed 1/14/11]

Including a video clip of a
recent ad for the Chevy Volt, the Big Government post
claimed:

There was a time when Chevy built
cars and trucks. The Corvette and Camaro were legendary sports cars, and the
Impala offered full size comfort [sic] a middle
class price. But that was before Change came to town. The brand that used
to compare itself to Baseball, Hot-Dogs, and Apple Pie is no longer content to
just make reliable vehicles, it is now as green as a wheatgrass and algae
smoothie.

For instance, in the following
commercial: Chevy isn't just building cars anymore, it's "investing" in
windmills, and planting trees.

[video clip]

This is the kind of business model that you get when Leftists take
over. Before 2008, GM just tried to make cars that people would buy, for a
little more money than they cost to build. Now, they have to plant a forest.
[Big Government, 1/13/11]

BigGov Claims GM
Using Taxpayer Money On Green Effort. The Big
Government post also
suggested that GM is using taxpayer money to "plant windmills and trees." From
the post:

It's for reasons like this that General Motors is never expected
to fully pay back the bailout money. According to the
Congressional Oversight Panel, Taxpayers will lose about 19 billion dollars on
the General Motors bailout.

That's a lot of green. You can't really blame General Motors. When
you have an extra 19 billion to play with, why not plant windmills and trees?
It seems like the corporate suites, are working on a bigger Buzz than the one
they hired to do the voice-over. A more rational voice might ask about the
forest that had to be cut down to print all that money. [Big Government, 1/13/11]

In Fact, Chevy's Initiatives Are Not Government Mandated, Do Not Use Taxpayer Money

Chevy Carbon Reduction Site: "The
Government Had Absolutely No Role In This" Project. On the Questions and
Answers section of Chevrolet's site about the green
initiative, Chevrolet states that the government "had absolutely no
role" in the project and that the company "is making this commitment
voluntarily." From the site:

[ChevyCarbonReduction.com, accessed 1/14/11]

Chevy Site: "Funding For This
Initiative Comes From Existing Advertising Budgets." In response to the
question, "Is Chevy spending taxpayers' money on this initiative?" the website
lists the answer:

[ChevyCarbonReduction.com,
accessed 1/14/11]

Chevy Site: Project To Cost An
Estimated $40 Million. The site also states that the projected cost of the
project is $40 million:

[ChevyCarbonReduction.com,
accessed 1/14/11]

Source:http://removeripoffreports.net/

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[Updated at 4:47 p.m. ET] An earthquake with a preliminary magnitude of 7.2 struck Wednesday morning in a remote area of southwestern Pakistan, the U.S. Geological Survey reported. The earthquake occurred at 1:23 a.m. (3:23 p.m. ...

Friday, January 14, 2011

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It has always been the case that anyone who has the benefit of Legal Aid would go running to their solicitor at the first sign of any problem. They did this on the basis that they weren't paying for any legal advice so they would have as much as possible! Sometimes however this shot them in the foot.

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Very often, funding is not a free lunch. If, (in a divorce for example) the parties are arguing over money or a house then some of the value of their house or their money may be at risk. There is an exemption which (the last time I looked) was £5000 but other than that any monies or property in dispute were at risk. In a nutshell, if the fund paid for someone to fight over the old matrimonial home then in the event that the matrimonial home was awarded to the person with the benefit of Legal Aid then the Board would want the costs they had paid, repaying from the value of the home.

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It can be very hard when you are applying for a bad credit mortgage, and it feels like all the odds are stacked against you. The feeling of going in to see a loan officer just hoping that they will be favorable toward you and that you might just have a chance of buying a home. The situation may be grim and you're feeling completely overwhelmed anyway, but know that millions before you have been in your same shoes. There is light at the end of the tunnel no matter how dark it may seem. Here are three simple steps that you can use to help you apply and possibly get a bad credit mortgage.

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News Corp.'s iPad-only newspaper, The Daily, delayed, reports say ...

The Daily, the iPad-only newspaper from Rupert Murdoch's News Corp., is being delayed a few weeks, according to the Associated Press. The digital paper is still working out subscription details, the AP said.

Giffords' Eye Opening News - Political Punch

President Obama's dramatic news at last night's memorial service in Tucson that Rep. Gabrielle Giffords' has just minutes before opened her left eye for the first time since the shooting has created some confusion in light of news from ...

News Corp's The Daily iPad Newspaper Delayed By “Weeks, Not Months”

While we may all have our own opinions on whether News Corp's iPad-bound newspaper, The Daily, is a boondoggle or simply before its time, I think we were all at least looking forward to seeing what it was like. People were curious about ...

Thursday, January 13, 2011

Being Right or Making Money

Luck's father, Oliver, says the decision was based purely on "staying in a place he loves, playing beside teammates he adores and getting the degree he covets." Perhaps, I can relate to Luck better than some because I have the perspective of a 19-year-old high school senior that wants nothing more than to be in college right now instead of high school.

Being a senior in high school is not a horrible experience by any means, but right now, if I could be anywhere I wanted, I would be a second-semester freshman in college. Maybe a lot of high school seniors say that, but I am in my 14th consecutive year at the same independent private school. I have gone to school with more or less the same people for that entire time. I am ready to change schools, take some new classes, meet new people, and leave home. So when Andrew Luck announced he wanted to stay at school instead of going pro, I totally understood how he felt. I wouldn't want to leave school either.

On another note, even though the current NFL Collective Bargaining situation reported influenced Luck's decision very little, it is still a major issue worth examining in the context of Luck's decision. A major crticism of Luck is that he will lose tens of millions of dollars for not turning pro.

On the surface, that is almost guaranteed to be true even if his draft stock doesn't go down at all, and he doesn't get hurt playing for Stanford next year or the year after that because the new CBA realistically has to have a rookie payscale, which would result in Luck receiving a significantly smaller salary than the one he would have gotten had he gone pro this year.

But a closer analysis of the broad financial picture reveals that Luck made a sensible decision that very few big-time college athletes are capable of making. Assuming Luck gets his architectural design degree, he will still be set up to make good money regardless of what happens to his football career.

If something bad happens, he has a college degree to fall back on. If he plays for 20 years and makes more money than most of us will see in our lives, then he will have options for a real job beyond football if he wants to leave. Most former players who don't want to coach or don't make good coaches and don't have enough education, end up on the street because they spend too much money during their playing careers. By getting a degree, Luck assures himself that he will not share that future.

Andrew Luck has the right ideas of how to build a successful future. The rest of the world of big-time college athletics should take notice. And his critics should think twice before saying anything.

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Vice President Biden to Pakistan: Fight Extremism or Be 'Consumed' By It

January 12, 2011 8:17 AM

ABC News’ Nick Schifrin and Karen Travers report: Vice President Joe Biden made an unannounced trip to Pakistan today to try and push government and military leaders to crack down on militants and shore up a shaky economy.

Biden delivered that message in private and in public, one week after a prominent politician was assassinated and crowds across the country celebrated his killer.

“Societies that tolerate such actions wind up being consumed by those actions,” Biden said to the media in prepared remarks.

Biden was in the country for only about 6 hours and did not meet any Pakistanis who do not work in the government or military. He traveled by motorcade under extraordinary security from the airport to the U.S. embassy, then onto the Presidential palace, the prime minister’s residence, and the military’s headquarters before departing for an unannounced destination.‬

He had arrived in Pakistan from Afghanistan, where he spent a day and a half in three different provinces, meeting with President Hamid Karzai, U.S. troops, and U.S. diplomats in a trip that was far more extensive than the one he made to Pakistan.

In Afghanistan, Biden said the United States military needed more help from Pakistan if it was going to permanently push out the Taliban.

“It’s going to require more pressure -- more pressure on the Taliban, from Pakistan’s side of the border, than we’ve been -- we’ve been able to exert so far,” Biden said in a statement delivered next to Afghan President Hamid Karzai.

After his arrival in Islamabad, Biden traveled to the U.S. embassy, where he met with American officials, including the new U.S. ambassador to Pakistan, Cameron Munter. He later sat down with Pakistani President Zadari at the presidential palace.

The press was allowed to observe the beginning of their meeting, when Biden joked with Zardari, whom he has known for years.

“We should act like we know each other,” the vice president quipped. “I’ve known the president long enough that I used to have hair.”

“Is he making fun of me?” Zadari asked.

Biden laughed and ran his hand over his thinning hair and asked a Pakistani official, “What are you laughing at?”

January 12, 2011

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Visualize This: Where the public gets its news

Perhaps the label should be something like “Percentage of respondents.” (The folks who collected the data allowed respondents to cite two “main” sources of news, which confused me.) I'll make the change. Thanks! ...

Breaking news: EPA vetoes Spruce Mine permit « Coal Tattoo

This news is devastating to the Southern Coal Fields and our entire state. The Spruce Number One permit was issued years ago after undergoing a comprehensive permitting process. It is hard to understand how the EPA at this late hour ...