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No Costs Are Fixed

My first year in business was bewildering. The various services necessary to run a business took some effort to figure out and pull off at the right time. Insurance, credit card processors, telephone and Internet, payroll and accounting, and even ... guys handled. A smart company has IT report to finance because techies are like kids in a candy [more...]

Date: 2009-01-08 08:01:00

Blog posts (68) | Videos (14)

Reader Mail #69

I liked this article, via Hacker News. Depressed people can more accurately measure reality than "normal" people. What if the reverse is true? If you're better at sensing reality, then you become depressed?Also, such scientific studies are usually blown out of proportion. They were writing about a single carefully-controlled experiment [more...]

Date: 2008-11-18 17:00:00

News - Views - Commentary

Uncle Jay Explains the Year 2008Gaza: Leaders Lie, Civilians Die and the Lessons of History Are IgnoredBy Robert Fisk, Independent UK - AlternetQuite a lot of the dead this weekend appear to have been Hamas members, but what is it supposed to solve? We've got so used to the carnage of the Middle East that we don't care any more -- providing we [more...]

Date: 2008-12-31 11:37:00

Aye Matey, Beware of Pirates!

A Sea of Unwanted Imports By MATT RICHTEL - The New York TimesLONG BEACH, Calif. — Gleaming new Mercedes cars roll one by one out of a huge container ship here and onto a pier. Ordinarily the cars would be loaded on trucks within hours, destined for dealerships around the country. But these are not ordinary times [more...]

Date: 2008-11-21 10:00:00

Shilly or Chalet Man?

The Diogenes Club is a strange collection of enquiring minds and often encourages its members to follow their noses wherever their occupations or interests take them. Stories from the Diogenes Club otherwise would be merely coffee table affairs. We are drawn to the world of intriguing phenomena and one arm of our collective enquiries is trying to [more...]

Date: 2008-12-19 08:23:00

THE FINTAG NEWSLETTER @ 01 December 2008

FINTAG COMMENT Shopping. Before Google (BG), analysts had to make phone calls and visit companies to be able to write research reports ... and just like the end of the dot com era, shirts and ties are back in fashion. So when I saw Bob Diamond's ... a barometer of overall holiday sales, which account for 25 to 40 percent of their annual sales [more...]

Date: 2008-12-01 09:02:43

FREE GiveAway - "The Quiet Millionaire" - We are doing a giveaway of Brett Wilder's fantastic book "The Quiet Millionaire." To have a go at winning it you've to leave a comment with 2 random digits. Yes, it's that simple, so check it out. $50 Off - Northwest Airlines Discount Coupon CarnivalsI'll Never Forget the Day I Read a Book hosted Book [more...]

Date: 2008-10-03 04:28:03

The article below, by Joe Nocera of the NYT, appears in today's Magazine section.  Nocera explains the role, and type, of financial models that contributed to the near demise of our heretofore much vaunted economy over the past three decades or so.  A highly inflated economy, based on "leverage" which is the fancy word for "debt," as in IOU [more...]

Date: 2009-01-05 05:58:36

become infamous for its ballooning costs, which have swollen to four times the original estimate in just three years. The velodrome and main stadium are also bulging beyond the confines of their original budget. That said, CLM can perhaps take credit that they're far from the greediest kitten at the teat. Olympic [more...]

Date: 2008-07-18 16:12:03

California Considers Tax Changes in Budget Standoff

July 1, 2008 came and went without a state budget for California, despite a requirement to pass it by that date ... -com boom of the late 1990's (California income tax collections relied heavily on the very rich ... ). Notwithstanding a balanced budget requirement, the annual shortfalls have been papered over with loans, bonds [more...]

Date: 2008-08-22 04:00:00

Confusing Consumption With Investment

People are now waking up to the fact that what that real estate investment guru was pitching at the seminar wasn’t necessarily an "investment": ... of resources.Card credit credit score Credit repair forum Providian credit card application Va home mortgage loan rate Purchase prepaid credit card Christian consolidation counselor debt Experian [more...]

Date: 2008-06-24 14:10:35

Mongolia in an annual report by World bank and International Finance Corporation

Mongolia was ranked the 58th easiest country in which to do business out of 181 countries surveyed in an annual report by the World Bank and the ... sixth annual “Doing Business Report” presented quantitative indicators on business regulations ... with construction permits, employing workers, registering property, getting credit, protecting investors [more...]

Date: 2008-12-18 15:30:38

Focus: Tencent

Like most Chinese Internet companies, instant-messaging champion Tencent has never known anything but fat times. It was a mere infant during the dot-com collapse in 2000, so it avoided most of the pain ... games, e-mail, and social networking. In June, Tencent—No. 10 on BusinessWeek's annual Hot Growth [more...]

Date: 2008-12-22 11:21:38

Latest News In Stock Market Investment Research - Dec 26, 2008

India’s Reliance refinery could lean on oil margins: Journal 26 Dec 2008 at 1:16am MADRID (MarketWatch) — India’s Reliance Industries Ltd ... that will likely raise pressure on refining margins globally, according to a report in The Wall Street ... demand for oil products and weaker refining margins, the report said. “We will leverage [more...]

Date: 2008-12-26 08:34:48

2008: An Emotional Year in Review

2008: An Emotional Year in Review I know it’s customary to “predict” the future, but frankly, I think we need to look back and realize just how remarkable and stressful the year 2008 was. No one called it The Great Depression in 1929, and my guess is that it will take 5 years or more for historians to label 2008 as a turning point when [more...]

Date: 2008-12-31 20:44:01

xFruits - 21st Century Regenerative Technology - 11 new items

21st Century Regenerative Technology 1. Recycle Your Cell Phone 2. Battery Startup Lion Cells Starts Talking, Becomes "Imara" 3. Three Quick Green Holiday Packing and Wrapping Tips 4. Signet Solar Chooses New Mexico for Plant 5. Kone to Launch More Energy-efficient Elevators 6. Daily Sprout 7 [more...]

Date: 2008-12-17 06:02:00

Media & Politics

Media & Politics 13-Jan-09 Permanent link to MTA daily media news Our Little Shop of Horrors (by Pat Racimora at No Quarter) ... Credit (The Trail, Washington Post) President-elect Barack Obama will address Senate Democrats ... as negotiations unfold, Obama is expected to drop his least popular proposal, a $3,000 tax credit for companies [more...]

Date: 2009-01-08 06:35:02

Citadel takes a big loss, its biggest ever

Bloomberg (http://www.bloomberg.com/apps/news?pid=20601087 sid=aCmkPlsDhD7I refer=home):Citadel Investment Group Inc ... Strategies Fund may swing wildly as markets are battered by the global credit crunch. Griffin holds 30 percent of the firm's $18 billion of assets in cash, according to an Oct. 8 report by Standard [more...]

Date: 2008-10-15 00:00:00

Weekly Roundup - December 19 Edition

Lots of news on the "Weekly Roundup" today, so once again I've recruited an army of paperboys to make the rounds in our neighborhood. Enjoy...Library Releases Report on Flickr Pilot ProjectLibrary of Congress - News from the Prints ... comments and more than 67,000 tags, according to a new report from the project team overseeing the project [more...]

Date: 2008-12-19 19:00:00

It’s unanimous, Web application security has arrived

It’s unanimous. Web application security is the #1 avenue of attack according to basically every industry data security report available ( ... credit card transactions.5. They install backdoors that "beacon" periodically to their command ... , Hardware Security Modules (HSMs), and processing applications in an effort to obtain credit card [more...]

Date: 2008-12-26 20:00:00

Debt Rattle, October 30 2008: Swamps and Swaps

Lewis Wickes Hine Ethel June 1911. Ethel Shumate has rolled cigarettes in Danville, VA, factory for six months. Says she's 13 years old, but looks much younger. Ilargi: The US is now 'officially' on the edge of a recession, This looks very much like another way of saying the government gave up on trying the cook the books and massage the [more...]

Date: 2008-10-30 18:55:47

The Flaw at the Heart of the Internet

Seeing Trouble: Security researcher Dan Kaminsky first spotted a basic vulnerability in the Internet last winter. Credit: John Keatley Multimedia View an outline of a cache-poisoning attack. Dan Kaminsky, uncharacteristically, was not looking for bugs earlier [more...]

Date: 2008-10-22 14:11:00

$50 Off - Northwest Airlines Discount Coupon

FREE GiveAway - "The Quiet Millionaire" - We are doing a giveaway of Brett Wilder's fantastic book "The Quiet Millionaire." To have a go at winning it you've to leave a comment with 2 random digits. Yes, it's that simple, so check it out. $50 Off - Northwest Airlines Discount Coupon CarnivalsI'll Never Forget the Day I Read a Book hosted Book [more...]

Date: 2008-10-03 01:35:55

What’s the deal?

The Pubs are already obstructing the stumulus bill, which ‘Bama was hoping to put in place immediately; ... our way out of it — the ‘liquid’ money that was to calm the credit problems hasn’t really ... Khanna, Matt Corley, Benjamin Armbruster, Ali Frick, and Ryan Powers, The Progress Report January [more...]

Date: 2009-01-05 21:09:51

Ontario May Lose 517,000 Jobs In Five Years, Almost Equivalent To The Number Of Immigrants To The Province Over The Same Period.

The lost 517,000 jobs number is derived from a worst case scenario if the Detroit Three (Ford, GM, Chrysler LLC) went out business ... economy will be devastated, report saysRobert Benzie and Rob FergusonQueen's Park BureauDec 16 ... , according to a new provincial report obtained by the Star.The review, prepared for the Ministry [more...]

Date: 2008-12-16 14:27:00

Victory in El Barrio: East Harlem Tenants Win One As British ‘Predatory Equity’ Landlord Collapses

UNMOVABLE: British landlord Dawnay, Day hoped to force rent-stabilized tenants like Filiberto Hernandez (Left) out of the 47 apartment buildings it purchased in East Harlem in 2007. However, Dawnay, Day’s plans went up in smoke after the global financial crisis struck the over-leveraged company. [more...]

Date: 2008-11-15 19:59:27

DrumBeat: October 24, 2008

Heating Oil Distributors Fear Tough Winter Amid Credit Freeze NEW YORK (Dow Jones)--The tight credit market is forcing weak links in the heating oil supply chain, from wholesale ... to carry them into winter, despite the global credit crisis that has made it difficult for even solid [more...]

Date: 2008-10-24 12:30:39

Daily Aid 26: How to understand how the economy is really doing

The Coming Financial Aid Crisis, $6 billion is too conservative a number. Much, much more will be required, because you’re only now seeing the financial markets losses bleed into the real economy, into Main Street. Jobs are being lost, hours cut, raises forfeited, for the average American family [more...]

Date: 2008-10-16 11:55:29

3 lessons the individual investor can learn from JPMorgan Chase

JPMorgan Chase recently picked up the remains of troubled Washington Mutual for a mere $1.9 billion—a deal described by some as buying the company “for nothing.” Although the takeover carries a fair amount of risk for JPMorgan, the bank looks increasingly likely to emerge as a credit [more...]

Date: 2008-09-28 22:37:19

Can Wachovia Do Anything Right?

An analyst at RBC Capital Markets suggests Wachovia cut corners to join the trillion dollar asset club ... loans was 1.24%. In its latest annual report, Wachovia ... to see credit quality in C&I lending deteriorate in tandem with the general economy," wrote [more...]

Date: 2008-08-13 04:36:25

Top Boston Sports Stories of 2008: #11-20

Initially intended to be a list of the top 10 Boston sports stories of 2008 with some honorable mentions, ... with the help of some trusted advisers and by requesting feedback on sites like Yardbarker, Bleacher Report ... SuperLiga. What is it? An annual North American competition between teams from MLS and Mexico's [more...]

Date: 2008-12-17 19:59:00

SKY News Summary - 12-16-08

The Supreme Court ruled that consumers are allowed to sue Philip Morris, part of Altria, for smoking issues, under state laws ... /releases/2008/q4/081215b_nr.html Cisco released its annual internet security report which always makes for interesting reading. According to the report, “This year’s report reveals that online [more...]

Date: 2008-12-17 01:44:27

vacancies appearing in different English News Papers of Arabian / Persian Gulf,Arab Times

Join 4Shared Now!Your Ad Here Great and Updated Jobs by http://www.gulfjobsbank.com/ Job Openings in Arab Times (English Daily of Kuwait) as on: JANUARY 01 , 2009 - THURSDAYAgility provides leading edge supply chain and logistics solutions to private and public sector entities worldwide [more...]

Date: 2009-01-12 01:22:00

The CEO's Guide tp Derivatives

I found this while doing some research on this financial crisis ... Credit Swaps, Securitized Instruments of Debt, or other derivatives posed to their companies. Or how illiquid they really were. In doing this research, I came upon Warren Buffet's 2002 Annual Report [more...]

Date: 2008-09-22 17:45:00

By JOE NOCERA The New York Times: January 2, 2009 The story that I have to tell is marked all the way through by a persistent tension between those who assert that the best decisions are based on quantification and numbers, determined by the patterns of the past, [more...]

Date: 2009-01-04 22:07:07


True US History By Collection of Sherman Skolnick's Writings Nov 9, 2008, 20:11 Candace: When I saw this name picked for Chief of Staff I chringed terribly, remembering something that said this man should not have been selected. I was pleased to find this on Rense today, [more...]

Date: 2008-12-22 17:54:11

Gates of Vienna News Feed 11/23/2008

Of interest tonight: the Spanish government is moving strongly to make sure that Russia doesn’t by a large chunk of the Repsol oil company. Prince Alwaleed intends to buy a 5% share of Citigroup. Kuwait lost $1.4 billion dollars in its investments in derivatives [more...]

Date: 2008-11-24 04:05:00

Credit Card Or Debit Card, Which One You Choose ?

We now enjoy the convenience way of using automatic teller machine (ATM). The card we use at the ATM is known as a debit card ... to us at the rate which we agreed to, when applied for their credit card. This is known as the annual ... . Today debit cards look exactly like credit cards . Both types of cards can be used [more...]

Date: 2009-01-04 08:40:57

Opinion: An open letter to Bernard Hickey on de-leveraging

To; Bernard Hickey, Managing Editor www.interest.co ... as I see It. Then the Credit Default Swaps at $US600 trillion “adjusted’ to $US15 trillion – sort of blows the credibility of these numbers out the window. I wouldn’t have much of a clue about Credit [more...]

Date: 2008-12-14 21:07:45

Latest News in Stock Market Investment Research - Jan 2, 2009

Worldwide semiconductor sales down 9.8% in November 2 Jan 2009 at 4:12am LONDON (MarketWatch) — Worldwide sales of semiconductors fell 9.8% to $20.8 billion in November, from $23.1 billion a year earlier, the Semiconductor Industry Association said Friday. Sales in the month were 7.2% lower than the $22 [more...]

Date: 2009-01-02 12:01:23

0% Global Interest Rates Totally Destroys Banking

October 29, 2008 Elaine Meinel Supkis Dear readers of this edition: Typepad stupidly changed their coding. It is very buggy! ... , everyone who pretends to be economic experts marveled at how cheap credit was and how low inflation [more...]

Date: 2008-10-29 15:09:33

Risk Mismanagement

From left, Tom Neely, Ward Schumaker and Esther Watson Post-Bubble Portraits The great housing-fueled market bubble couldn’t burst, could it? The best Wall Street minds and their best risk-management tools failed to see the crash coming [more...]

Date: 2009-01-06 13:11:50

The Best Credit Card Rewards For Google Ads and Search Advertising

Updated List Of The Best Credit Card Cash Back Rewards For Google Adwords, Yahoo Search Marketing, ... savings and free online advertising, or taking advantage of credit card offers to earn cashback rebates ... and MSN AdCenter As a personal finance blogger and a dot com mogul-super affiliate tycoon wannabe [more...]

Date: 2008-07-17 03:47:54

Real Estate Market in Russia, China, and America: Trends and Opportunities

Download the PDF version of the report Real Estate Market in Russia, China, and America: Trends and Opportunities ... adjusted annual rate of 460,000, according to the estimates of the U.S. Census Bureau ... by factors such as the credit crunch, low consumer confidence, high unemployment, and high cost [more...]

Date: 2008-10-28 04:43:18


Heather Booth Just one of the recipients of your fraudulently-collected dollars by Paul Likoudis The Wanderer “In 1969, ... South Side. During his three years as the DCP’s director, its staff grew from one to 13 and its annual [more...]

Date: 2008-10-14 03:02:17

Another Consumer Scammed By FreeCreditReport.com [Freecreditreport Com]

Freecreditreport.com is NOT actually free, nor is it related to Annualcreditreport.com, the free credit report that you are entitled to under federal law. So why are people still ... of my credit report. All of the major credit reporting agencies seem to strong arm you towards [more...]

Date: 2008-08-11 16:29:44

Latest News In StockMarketInvestment Research - Jan 16, 2009

Airlines employed 6.5% fewer workers in November 16 Jan 2009 at 10:41am NEW YORK (MarketWatch) — The number of people working for the nation’s passenger airlines fell 6.5% in November from a year ago to 392,185 full-time employees, according to a Friday report from the Bureau [more...]

Date: 2009-01-16 18:03:59


ZENITThe World Seen From RomeDaily dispatch - January 13, 2009VATICAN DOSSIERPope Bids Farewell to Diplomat at God's ServiceChurch Planning a Family Party, Says OfficialWORLD FEATURESEnthusiasm and Numbers Grow for Family MeetingCardinal Brady Speaks of Hope Found in GazaUS, [more...]

Date: 2009-01-14 01:28:00

10 American Financial Meltdowns in the Past Century

Banks failed, stock prices collapsed, and panic descended on Wall Street. Americans were holding their collective breath as a rescue plan was hastily drafted. The 2008 financial crisis? Nope - it was the Panic of 1907, and again in 1929, 1987, and so on [more...]

Date: 2008-10-08 09:45:59

10 of the World’s Most Dramatic Financial Crises, and Their Lessons

Financial crises are consistent in one way, and one way only: They’re far more sexy when your neighbors are wearing them ... : In 1985, Sweden deregulated its credit market, leading to a commercial property speculation bubble [more...]

Date: 2008-09-25 00:06:51

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