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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 (86) | Videos (129)

It’s Really Unprecedented Historically

It’s Friday desk clearing time for this blogger. “One in four homes sold in the Twin Cities in March through June was in some stage of being repossessed, a foreclosure report out Thursday shows, up from fewer than one in 10 a year ago. The flood of listings ‘has had substantial effects on the Twin Cities housing market and doesn’t appear [more...]

Date: 2008-08-15 18:07:10

5 Reasons Why Stocks and Commodities Will Soar Over Next 9 Months

Right now we're in an Alice in Wonderland world where the government not only wants to spend $700 billion on buying up banks' bad debt but it also ... , you realize you’ve got one last option. You have $25,000 worth of unused credit lines you could tap ... the credit lines and pull a rabbit out of a hat -- come up with a brilliant marketing campaign [more...]

Date: 2008-09-24 19:28:43

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

what? no gifts?!

Merry Christmas bitches! I hope all you little sluts end up getting what you asked for, and not the urinary tract infection you’ll get instead ... , and pour it over your dick. Maybe this will help you last longer than those damn free credit report . com singing song commercials, because seriously. If you’re fuckin’ and one of those shits comes [more...]

Date: 2008-12-24 16:06:59

who i look like part 1

Ok, first I need to thanks Shannon for posting those pictures to facebook. I really got a kick out of them ... (when I wear my green hat) 2) Mr Tumnus (the fawn-man in chronicles of narnia) 3) The “free-credit-report-dot-com guy” (the one that sings) Oh there are so many more… ps…i need to create a category [more...]

Date: 2009-01-09 06:02:34


Dear Readers: Governor Patterson in his "State of the State Address" stood before the legislature and said "It is has been reported that today's children will not live as long as us because of obesity. When parents find that out they will come to Albany and say why didn't you do anything about this?" Were I the governor, I would say, me? [more...]

Date: 2009-01-10 22:43:00

I have no powers…

Supposedly I will make $14.00 for filling out a survey yesterday. If I earn $100.00, they claim the total gets deposited to my paypal account ... to Free Credit Report Dot Com. That was cool enough, I made a note to remind my self to cancel ... . I got another $40.00 for filling out a credit card application. I’ll never get paid though [more...]

Date: 2009-01-08 19:41:46

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

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

Mobile broadband business models: free dongles as retention tools for voice contracts

The comment from a reader called Thomas on this post of mine tallies with other anecdotes I'd heard and seen ... on Vodafone giving him a free HSUPA dongle, and discounted £7.50 / month connectivity, offset with a £75 bill credit. I also regularly see adverts in the window of my local 3 UK shop offering half-price [more...]

Date: 2008-12-02 10:03:00

New Media Predictions for 2009: from Croydon to Kenya (Carnival of Journalism)

This month’s Big Question from David Cohn for the Carnival collection of US and UK journalist/academic bloggers is “What Are Your Positive New Media ... dot-com bust next year in the UK as fragile new media enterprises are credit-crunched ... fields. The Internet has been brilliant at creating free content, but the overall cost of being [more...]

Date: 2008-12-19 10:10:14

Helping you loose weight even through the Holidays!

I'm not a big fan of weight loss gimmicks mostly for the reason that I've always doubted if they worked or because most systems are so hard to follow ... for a little over a month now and most users report loosing around 30 lbs after using the system for six ... of us you can try Sensa for yourself and get 15% off and free shipping by using the code : [more...]

Date: 2008-12-12 07:27:00

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

If Scripps loses $15M, what is GCI's hit in Detroit?

Maybe this is why I feel like something big is going on in ominously-quiet Detroit:To start, surely you saw that E.W ... agency, The Detroit News? Remember, the Freep was already bleeding a year ago, well before the credit ... now on a rampage to cut costs anywhere, the Freep and the JOA would be expected to report job [more...]

Date: 2008-12-05 01:45:00

Lewis leading Ravens by example

ATM Boss Lies Pool Fantasy Oxygen Julio Cal Search Royals E(mail) Lyric BALTIMORE – As power trios go, it was the sports world’s answer to Nirvana, Cream or the Jimi Hendrix Experience. Huddled together in a downtown club last Sunday night, [more...]

Date: 2008-12-19 14:27:29

MortgageNewsClips: Guessing Obama, Rescue Falters, Nasty Recession, Negatrive T-Bills, HArd To Value, Radical Ideas, 4.5 Yr Low, Exit Strategy, Follow FHA, SWF Paper, Accounting, Japan Drops Plan, BlackRock Proposed, 4 more

  President-elect Barack Obama has pledged to spend billions on U.S ... for states and municipalities struggling with funding of public projects as a result of the credit ... - Bloomberg ———— reuters Recession to worsen, deflation a risk: report - Jim Christie - The “ [more...]

Date: 2008-12-13 16:45:58

Carnival of Consumer Credit #4

As we dive headfirst into the holiday season, what comes with milk and cookies, twinkle lights and goodwill toward men?  How about credit cards and more bills than you can pay?! The Carnival of Consumer Credit ... Credit Limits? Share Your Experience posted at fivecentnickel.com. CreditAddict presents Surviving [more...]

Date: 2008-12-16 16:00:15

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

Reducing Post-Purchase Anxiety: Order Confirmation Emails & Thank You Pages

The order confirmation email. So important. The sender name, even more important. Do we spend so much time optimizing images, product copy and site usability to reduce friction ... assures the customer that you’ve got their credit card information. He/she still lives on a prayer until [more...]

Date: 2009-01-08 11:30:29

$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

Carnival of Debt Reduction #143 — The History of Debt

Over the weekend, I came across a rather interesting series called The History of Credit and Debt at Myvesta.org ... and the first article in each category is considered “the best of class”. Keeping Track The credit ... our financial dealings. Editor’s Picks How to Get Out of Credit Card Debt, and Stay Out posted [more...]

Date: 2008-06-09 12:00:24

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

Research Resources

Research Resources (ResearchResources.info) ... is available by clicking here. Subscribe to his free monthly Awareness Watch™ Newsletter. Learn more by clicking here. Free online streaming tutorial videos on searching the Internet by Marcus P. Zillman, M.S. [more...]

Date: 2009-01-12 09:00:00

The Top Nine Things About the 90’s, Part One

The Top Nine Things About the 90’s, Part One Yep, this has nothing to do with technology, get over it. I’m in another nostalgic mood, and for some reason was thinking about the finer times in life. That;s right, the 90’s. I scrounged up a list of my favorite things about this decade of glory, some of which you may or may not have partaken in [more...]

Date: 2009-01-12 20:55:55

John Chow Market Leverage Affiliate Challenge

John Chow dot Com and Market Leverage is pleased to bring you another fun and exciting contest ... and goes until the end of August. I’ll have a by-weekly “Leader Board” report so you can see where ... . If you make a blog post about the challenge and send a trackback, I’ll credit you with five entries [more...]

Date: 2008-07-21 16:33:43

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

Snow, Ice, and Everything Nice!

Sandy sent me this photo and said, "Hey isn't Cliff your friend that lives on a farm and his wife grooms dogs?" This picture made her think of that! ... . I do like the singer who does the commercial for Free Credit Report Dot Com. His name is Eric Violette [more...]

Date: 2008-12-11 22:34:00

New Report:Mobile Broadband Computing - Device & Business Model Forecasts

I'm delighted to announce the publication of my new report on Mobile Broadband ComputingBy the end of this month, ... services, or free or bundled connectivity.I'll be discussing the report's findings it more depth ... as no surprise at all to regular readers of this blog) the report finds that the long-awaited push [more...]

Date: 2008-12-10 00:22:00

Restoring Your Credit Worthiness

Have you been denied a loan? Have you been offered one at an unbelievably high rate of interest? Are you having trouble getting a new credit card? ... specialist, if necessary. Estimates of credit report errors range from 85 to 40 ... If these things have happened to you you’ve got bad credit! What is bad? Can you fix [more...]

Date: 2009-01-08 22:39:58

Gates of Vienna News Feed 10/17/2008

Once again it’s a night for immigration stories.First of all, read about Lampedusa and the Greek islands, places that are being overwhelmed with unprecedented numbers of illegal immigrants. They arrive in little ramshackle boats, often starving and dehydrated [more...]

Date: 2008-10-18 03:44:00

Riddle Me This

My sixth grade teacher was considered one of the toughest in my entire prep. Students feared her and parents fought to get their kids in her class ... ending with those digits. And while waiting to call you, I checked my credit report and the only [more...]

Date: 2008-12-11 15:45:00

Did Barack Obama Just Break the Law? Fundraising Lottery Could be Illegal.

Unauthorized lotteries are illegal in most jurisdictions, and it is illegal to promote them through the U.S. Mail. by Bill Levinson The Obama campaign has already been warned by law enforcement officials against running “Backstage with Barack” and “Dinner with Barack” lotteries in Minnesota and possibly Colorado [more...]

Date: 2008-11-01 17:46:08

Things We Love

Debbie loves Twhirl – This twitter application  allows you to have Twitter up and running on your desktop throughout the day and alerts you with a ... are the FreeCreditReport.com (the original tune “F-R-E-E that spells free credit report dot com baby…” not the newly revised [more...]

Date: 2009-01-07 19:21:11


The origins of the Banking Mess can be found in the Community Reinvestment Act ... intimidate banks into making high-risk loans to customers with poor credit. In the name ... of millions of dollars in mortgages to low-credit customers. In other words, community organizers help [more...]

Date: 2008-09-29 11:01:37

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

Working at Home Blog Carnival-119th Edition

Welcome to the January 9, 2009 edition of working at home blog carnival. This weeks Carnival has, as always, some really good articles. So, Sit Back and Enjoy. And Here We Go… advice Leo D presents List Building?.5 Lessons from the Accidental Marketer posted at Strategic Internet Marketing Blog [more...]

Date: 2009-01-09 11:36:01

Carnival of Personal Development Edition #1

Welcome to the December 1, 2008 edition of carnival of personal development. Wow! It is hard to believe I received so many submissions for this carnival. 133 to be exact. It has certainly been a success in that respect! I guess its mostly for two reasons. One, the category of the carnival is broad [more...]

Date: 2008-12-01 07:45:38

French Premier Francois Fillon: We’re on “the edge of the abyss” By Mike Whitney

Dandelion Salad Note: I added the video that Mike Whitney cited ... and removing their money from the banks and money markets which is intensifying the freeze in the credit ... since the Great Depression. It’s madness. If something is not done to increase the flow of credit [more...]

Date: 2008-10-06 23:51:16

Resurgence of Risk - A Primer on the Develop(ed) Credit Crunch

This is a post run just over a year ago, by emeritus TOD contributor Stoneleigh ... the fold, a reprint of Stoneleigh's excellent primer on the credit crisis. Right ... of the dot com aftermath--we have acted as if risk were a thing of the past. Sliced, diced and spread [more...]

Date: 2008-10-10 14:10:25

Opt-Out Hell as Microsoft Loses Momentum

This is a true story. The mission: unsubscribe from a newsletter How it should work: one click and you're off the list How it really worked: ... to me at dberkowitz@....com .... Somehow I'm getting Microsoft Momentum delivered to me, but I can't unsubscribe [more...]

Date: 2008-08-26 21:03:20

Toby’s Tip: Not-So-Free Credit Reports

toby_tip They’ve got a catchy song that wants you to believe that Free Credit Report (dot) com is free ... at AnnualCreditReport.com, however do not expect to have a “credit score”. Basically, the objective of this report ... are marketing genius, the problem is that unless you pay attention — that free credit report [more...]

Date: 2009-01-15 06:06:02

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

Research Oracle roundup for 16 January 2009

Earning Release Although LG Display Co., Ltd.’s (NYSE:LPL) ... and rating in our 4Q 08 and FY 2008 update report. As we continue to expect a negative currency impact ... update report. News Aegon N.V.’s (Aegon N.V) common stock has declined significantly since [more...]

Date: 2009-01-16 17:29:36

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

Robert Lesser: A Silver Lining for B2B Marketers

In facing today's turbulent times, it can be trying for even the most optimistic marketer ... LeadGenTools Directory 2008 Interested in a copy of the Report "Top Tools for B2B Online Lead ... are free or almost free - most blogging, micro-blogging, RSS and Wiki tools are free.Many viable Web 1.0 [more...]

Date: 2008-12-11 12:01:37

E-text: A threat to concentration?

not neglect recreational reading as a literacy-promoter. Related: New NEA report in PDF, New York Times article, Washington Post item, Google round-up, and David Nygren’s essay on how e-writers could reach larger audiences—plus E-text: A threat [more...]

Date: 2009-01-11 19:48:15

extra in terms of extra fee than what you would have saved ... in your credit report even then you can easily approach for these cards. Online you can easily ... to make maximum out of it. When you start shopping with your credit card you get cash back facility [more...]

Date: 2009-01-11 17:42:34

Things That I Talk About

This is pretty much all the topics that I talk about. Larger means it's mentioned more often. Closer to the top means I've mentioned it lately ... everyone looking shouldn bus waterfalls getting water rock background child makes places free [more...]

Date: 2008-12-14 21:03:13

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

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