Making Money Work

Mollie Vandor is the product manager for Ranker.com where she likes to make lists about reading, eating and bad-TV-watching. She’s also the media director for Girls in Tech LA. You can find her on Twitter @Mollierosev and on her blog.

Whether you’re looking to make a big change, or just tweak a few little things, the new year gives you the perfect opportunity to reflect on your behavior and resolve to do better going forward.

Of course, it’s one thing to say you want to tackle a typical resolution like get in better physical shape, get in better financial shape or — like many of us who work on the web — get your social media presence in order. It’s another thing to actually accomplish those big, broad goals.

So this year, instead of making your goals big and broad, why not take a page from the web world and use analytics to pinpoint the specific stuff you want to change? And, by that same token, why not use data tracking to hold yourself accountable for keeping all those resolutions too?

Read on for some tips on how to use social media to corral your New Year’s resolutions. Let us know in the comments below what tips worked for you, or share your own resolution advice.

Let’s Get Physical/>

There’s the freshman 15 everyone gains from collegiate pizza and beer, and then there’s the startup 15 many of us tech geeks gain from sodas and office snacks. Between the time spent sitting in front of a computer screen and the time spent networking over drinks and dinners, it’s easy to put on pounds when you work on the web. Of course, you can always try the startup diet, but that’s not necessarily going to work for everyone.

Keeping a food and exercise log might sound like a daunting task, but it turns out you may already be tracking some of that data without even knowing it. Foursquareclass="blippr-nobr">foursquare actually lets you see your entire checkin history and, if you do a quick search, you can find it so you can easily see whether you’ve really been going to the gym or frequenting your fast food runs.

Similarly, the Foursquare stats page lets you see your own checkin trends in handy graphs and lists. There’s even a site called weeplaces that lets you turn your Foursquare, Facebook Places and class='blippr-nobr'>Gowallaclass="blippr-nobr">Gowalla checkins into graphic visualizations. And, weeplaces will let you filter those visualizations by food-related checkins and parks and recreation checkins, so you can really get a handle on your history.

class='blippr-nobr'>Google Mapsclass="blippr-nobr">Google Maps also lets you search your own history, so can get a visual reminder of the places you’ve been searching for, and start picking up on trends in your own behavior. You just have to enable it. And, of course, there’s the age-old pedometer, made a lot easier and more fashionable via a host of iPhoneclass="blippr-nobr">iPhone and Androidclass="blippr-nobr">Android apps that let you easily track how much you’re walking without having to do anything more than a quick download.

Of course, once you establish the things you want to change about your eating and exercising habits, you still have to make those changes stick. class='blippr-nobr'>Appsclass="blippr-nobr">Apps like LoseIt, Weight Watchers and LiveStrong let you log calories you eat and calories you burn via your smartphone. Fitango prescribes personalized plans to help you get in shape, and gives you a forum for sharing milestones you meet with your friends. Similarly, Phitter is like a fitness-focused class='blippr-nobr'>Twitterclass="blippr-nobr">Twitter stream where people share weight loss trials, tribulations and tips to help keep each other going.

Or, you can try something like the Social Workout Challenge, which gives you fitness goals to meet and a community of people to keep you accountable for meeting them. If you really want to take your weight tracking to the next level, there’s even a scale that automatically tweets your weight to the world. While you’re at it, FixNixer and QuitMeter also give you similar tools for tracking your way out of a smoking habit, another great way to get yourself in better physical shape in the new year.

Money, Money, Money/>

For many people, the New Year is also a great time to get a fresh financial start. But again, it’s a lot easier to make changes going forward when you know how you’ve been behaving in the past. That’s where a site like Mint.com can be very handy. class='blippr-nobr'>Mintclass="blippr-nobr">Mint aggregates all of your various accounts, including credit cards, bank accounts and assets, and then turns your spending habits into easy-to-read charts and graphs that show you where you’re spending and where you could be saving. It even lets you compare your shopping and spending habits with other people in your area, so you can see how you stack up. Many credit cards, like American Express Blue and Visa Signature, also give you year-end spending summaries that show you how much you’ve spent, how much you’ve saved, how much interest you’ve accumulated and more.

Once you’ve nailed down how your money is going out the door, you can start figuring out ways to keep more of it in your wallet. Again, this is where tracking will be key to actually keeping those resolutions. First, you can establish your financial goals via an online calculator, which lets you figure out exactly how much to start saving. Once you’ve figured out your goals, there are more than 50 great, free mobile apps to help you track your spending. On Facebook, the BillMonk app will help you keep better track of those tricky situations where you’re sharing a bill with friends, and you need to make sure everyone knows what they owe. XPenser lets you record your expenses from any device, including via tweet and e-mail, and TweetWhatYouSpend gives you a forum for sharing your expenditures with everyone on Twitter, so your friends can help hold you accountable when you blow your budget shopping those post-holiday sales.

Get Your Social Media in Shape/>

Whether or not you work on the web, if you’re reading class='blippr-nobr'>Mashableclass="blippr-nobr">Mashable, chances are you have a social media presence. And, just like your physical and financial identities, your social media self might be due for a little makeover in 2011 too. The good news is that the data is even easier to find when you’re talking about your personal tech habits. For example, you can use the Top Words app to figure out the topics you talk about most on class='blippr-nobr'>Facebookclass="blippr-nobr">Facebook. Klout tells you which topics you talk about the most on Twitter, and all sorts of other stats that will help you pinpoint what it is about your social media presence that you may want to change.

Similarly, BackType analyzes your Twitter profile and tells you what percentage of your tweets are replies, retweets, links, etc. Like Klout, it also tells you who you’re influencing and who your influencers are. And, it shows you your most shared sites. All of these are great data points for determining things you’d like to change about your social media presence. Finally, ViralHeat gives you in-depth analysis of the sentiment around your various social network profiles, which really lets you hone in on how your social media behavior is being received by your followers on Facebook, Twitter and across the web.

Once you’ve established what you want to change, you can set up ViralHeat to send alerts and updates directly to your inbox so you can track the impact of those changes on the fly. Similarly, since Klout and BackType both update regularly now, you can see your statistics change as your behavior does, which is a great way to keep yourself motivated. And, of course, make sure you set up Google Alerts to track all the activity around your various accounts.

If your resolution involves blogging more often, there are plenty of apps to help you do that on the go, right from your phone. Another way to remind yourself of things you want to blog, tweet or post about is by using a service like TwittRemind, which lets you tweet yourself reminders to do things throughout the day.

To make the most of your many profiles, consider setting up a hub page via a service like about.meclass="blippr-nobr">about.me, which lets you showcase all your profiles in one place. Or, sign up for a social network aggregation service to make it easier to make changes on all your profiles at once. You also might want to consider setting up a targeted Twitter list of friends and followers who can help you hold yourself accountable and focus your social media efforts so you can minimize the number of relationships you’re managing and maximize the return you’re getting from all these changes.

New Year, New You/>

Whether your New Year’s resolutions involve getting yourself in better physical, financial or social media shape, the web can help you figure out exactly what you want to change and how you’re going to keep yourself accountable for changing it. 2011 is a brand new year and a completely fresh start, and, breaking your New Year’s resolutions is so 2010.

More Social Media Resources from Mashable:

- 10 More Creative Uses of the New Facebook Profile [PICS]/> - 10 Cool Facebook Status Tips and Tricks/> - 6 Reasons Why Social Games Are the Next Advertising Frontier/> - 3 Things Brands Must Do to Reach Millennials Online/> - How Social Media Can Help With Your Long Distance Job Search

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, DNY59

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 Android, iPhone and iPad

Yesterday a lot of people were surprised when word came out that James Franco is actively pursuing two very lofty directorial ambitions — he wants to write and direct film versions of William Faulkner‘s landmark novel As I Lay Dying, and Cormac McCarthy‘s Blood Meridian.

There was some initial skepticism about half of that report, as producer Scott Rudin wrote to IndieWire to suggest that the Blood Meridian news was either premature or incorrect. But now James Franco has done a little interview explaining his approach to both novels. And how does Jacob from Lost fit into all this? Answer after the break.

EW talked to the actor, who linked both texts in a ‘spiritual’ sense, ““I think they go together, though. I think McCarthy is really influenced by Faulkner.” I’d agree with that, very definitely. He says that the Faulkner adaptation would shoot this summer if things work out, and then he’d do Blood Meridian next year.

So how would he shoot As I Lay Dying?

You want to capture the tone, but you can’t work in exactly the same way. I don’t believe it’ll feel the same if you divide it as rigidly as the book, like titles that say ‘Cash’ and then you’re with Cash. You can slip into the characters’ heads and give them their inner voice for a while, but it has to be more fluid because movies just work differently than books. Movies, in some ways because they deal in images, are more concrete. I want to be loyal to the book — my approach is to always be loyal in a lot a ways — but in order to be loyal I will have to change some things for the movie.

When it comes to Blood Meridian, the question of casting looms large. Who would play central character The Judge, who is an utter giant of an albino? Well, Franco was so determined to get the gig making the film that he shot some test footage to present to Scott Rudin. And in that footage he cast Mark Pellegrino, aka one of the rug pissers from The Big Lebowski, and Jacob from Lost. (Scott Glenn, Luke Perry and Dave Franco also appeared.) Note that this does not mean that those actors will necessarily be cast in the actual film, whatever happens.

We made that as a way to convince Scott Rudin to give us the rights. It was like, why should he give it to me when Ridley Scott didn’t make it? So I called him up and said, ‘I’m planning on doing this. You don’t have to give me any money, I can finance this shoot. Would you just wait? Don’t do anything with it until I show this to you.’ And I showed it to him and he loved it.

One question that came up yesterday is: what happened to the version of Blood Meridian that Todd Field was going to write and direct? The simple answer is that we don’t know for certain, and given Scott Rudin’s odd response to this news yesterday, I’m more curious than ever. I’d be surprised to learn that it is still kicking, so if you think the idea of the director of Little Children making Blood Meridian seems like a good idea (as I do) then it might be time to let that notion go.

Here’s what it seems like: Franco pitched Blood Meridian to Scott Rudin, but the producer’s vague email to IndieWire yesterday suggests he hasn’t got the gig just yet. Now, if Franco manages to get As I Lay Dying moving forward, and if he makes the film work, then things could change quickly. Blood Meridian has been in development for a long time, and unless the option is close to lapsing, a few more months of waiting isn’t going to change much.

robert shumake detroit

<b>News</b> Corp. Online Gaming Head Sean Ryan to Head Facebook&#39;s Social <b>...</b>

Sean Ryan, who arrived at News Corp. mid-year to set up a new online gaming unit, is moving to Facebook to head partnerships at its key gaming platform, according to sources. Currently, Facebook does not create social games, ...

Baby Boomers and Sacrifice - AOL <b>News</b>

WASHINGTON -- Baby boomers have long been derided as a bunch of spoiled brats -- a.

Small Business <b>News</b>: Starting Your New Business In A New Year

Whether your starting a new business or rethinking an existing one, 2011 offers fresh possibilities and a new start. If you're launching a new business, there.

robert shumake detroit

<b>News</b> Corp. Online Gaming Head Sean Ryan to Head Facebook&#39;s Social <b>...</b>

Sean Ryan, who arrived at News Corp. mid-year to set up a new online gaming unit, is moving to Facebook to head partnerships at its key gaming platform, according to sources. Currently, Facebook does not create social games, ...

Baby Boomers and Sacrifice - AOL <b>News</b>

WASHINGTON -- Baby boomers have long been derided as a bunch of spoiled brats -- a.

Small Business <b>News</b>: Starting Your New Business In A New Year

Whether your starting a new business or rethinking an existing one, 2011 offers fresh possibilities and a new start. If you're launching a new business, there.

robert shumake

Mollie Vandor is the product manager for Ranker.com where she likes to make lists about reading, eating and bad-TV-watching. She’s also the media director for Girls in Tech LA. You can find her on Twitter @Mollierosev and on her blog.

Whether you’re looking to make a big change, or just tweak a few little things, the new year gives you the perfect opportunity to reflect on your behavior and resolve to do better going forward.

Of course, it’s one thing to say you want to tackle a typical resolution like get in better physical shape, get in better financial shape or — like many of us who work on the web — get your social media presence in order. It’s another thing to actually accomplish those big, broad goals.

So this year, instead of making your goals big and broad, why not take a page from the web world and use analytics to pinpoint the specific stuff you want to change? And, by that same token, why not use data tracking to hold yourself accountable for keeping all those resolutions too?

Read on for some tips on how to use social media to corral your New Year’s resolutions. Let us know in the comments below what tips worked for you, or share your own resolution advice.

Let’s Get Physical/>

There’s the freshman 15 everyone gains from collegiate pizza and beer, and then there’s the startup 15 many of us tech geeks gain from sodas and office snacks. Between the time spent sitting in front of a computer screen and the time spent networking over drinks and dinners, it’s easy to put on pounds when you work on the web. Of course, you can always try the startup diet, but that’s not necessarily going to work for everyone.

Keeping a food and exercise log might sound like a daunting task, but it turns out you may already be tracking some of that data without even knowing it. Foursquareclass="blippr-nobr">foursquare actually lets you see your entire checkin history and, if you do a quick search, you can find it so you can easily see whether you’ve really been going to the gym or frequenting your fast food runs.

Similarly, the Foursquare stats page lets you see your own checkin trends in handy graphs and lists. There’s even a site called weeplaces that lets you turn your Foursquare, Facebook Places and class='blippr-nobr'>Gowallaclass="blippr-nobr">Gowalla checkins into graphic visualizations. And, weeplaces will let you filter those visualizations by food-related checkins and parks and recreation checkins, so you can really get a handle on your history.

class='blippr-nobr'>Google Mapsclass="blippr-nobr">Google Maps also lets you search your own history, so can get a visual reminder of the places you’ve been searching for, and start picking up on trends in your own behavior. You just have to enable it. And, of course, there’s the age-old pedometer, made a lot easier and more fashionable via a host of iPhoneclass="blippr-nobr">iPhone and Androidclass="blippr-nobr">Android apps that let you easily track how much you’re walking without having to do anything more than a quick download.

Of course, once you establish the things you want to change about your eating and exercising habits, you still have to make those changes stick. class='blippr-nobr'>Appsclass="blippr-nobr">Apps like LoseIt, Weight Watchers and LiveStrong let you log calories you eat and calories you burn via your smartphone. Fitango prescribes personalized plans to help you get in shape, and gives you a forum for sharing milestones you meet with your friends. Similarly, Phitter is like a fitness-focused class='blippr-nobr'>Twitterclass="blippr-nobr">Twitter stream where people share weight loss trials, tribulations and tips to help keep each other going.

Or, you can try something like the Social Workout Challenge, which gives you fitness goals to meet and a community of people to keep you accountable for meeting them. If you really want to take your weight tracking to the next level, there’s even a scale that automatically tweets your weight to the world. While you’re at it, FixNixer and QuitMeter also give you similar tools for tracking your way out of a smoking habit, another great way to get yourself in better physical shape in the new year.

Money, Money, Money/>

For many people, the New Year is also a great time to get a fresh financial start. But again, it’s a lot easier to make changes going forward when you know how you’ve been behaving in the past. That’s where a site like Mint.com can be very handy. class='blippr-nobr'>Mintclass="blippr-nobr">Mint aggregates all of your various accounts, including credit cards, bank accounts and assets, and then turns your spending habits into easy-to-read charts and graphs that show you where you’re spending and where you could be saving. It even lets you compare your shopping and spending habits with other people in your area, so you can see how you stack up. Many credit cards, like American Express Blue and Visa Signature, also give you year-end spending summaries that show you how much you’ve spent, how much you’ve saved, how much interest you’ve accumulated and more.

Once you’ve nailed down how your money is going out the door, you can start figuring out ways to keep more of it in your wallet. Again, this is where tracking will be key to actually keeping those resolutions. First, you can establish your financial goals via an online calculator, which lets you figure out exactly how much to start saving. Once you’ve figured out your goals, there are more than 50 great, free mobile apps to help you track your spending. On Facebook, the BillMonk app will help you keep better track of those tricky situations where you’re sharing a bill with friends, and you need to make sure everyone knows what they owe. XPenser lets you record your expenses from any device, including via tweet and e-mail, and TweetWhatYouSpend gives you a forum for sharing your expenditures with everyone on Twitter, so your friends can help hold you accountable when you blow your budget shopping those post-holiday sales.

Get Your Social Media in Shape/>

Whether or not you work on the web, if you’re reading class='blippr-nobr'>Mashableclass="blippr-nobr">Mashable, chances are you have a social media presence. And, just like your physical and financial identities, your social media self might be due for a little makeover in 2011 too. The good news is that the data is even easier to find when you’re talking about your personal tech habits. For example, you can use the Top Words app to figure out the topics you talk about most on class='blippr-nobr'>Facebookclass="blippr-nobr">Facebook. Klout tells you which topics you talk about the most on Twitter, and all sorts of other stats that will help you pinpoint what it is about your social media presence that you may want to change.

Similarly, BackType analyzes your Twitter profile and tells you what percentage of your tweets are replies, retweets, links, etc. Like Klout, it also tells you who you’re influencing and who your influencers are. And, it shows you your most shared sites. All of these are great data points for determining things you’d like to change about your social media presence. Finally, ViralHeat gives you in-depth analysis of the sentiment around your various social network profiles, which really lets you hone in on how your social media behavior is being received by your followers on Facebook, Twitter and across the web.

Once you’ve established what you want to change, you can set up ViralHeat to send alerts and updates directly to your inbox so you can track the impact of those changes on the fly. Similarly, since Klout and BackType both update regularly now, you can see your statistics change as your behavior does, which is a great way to keep yourself motivated. And, of course, make sure you set up Google Alerts to track all the activity around your various accounts.

If your resolution involves blogging more often, there are plenty of apps to help you do that on the go, right from your phone. Another way to remind yourself of things you want to blog, tweet or post about is by using a service like TwittRemind, which lets you tweet yourself reminders to do things throughout the day.

To make the most of your many profiles, consider setting up a hub page via a service like about.meclass="blippr-nobr">about.me, which lets you showcase all your profiles in one place. Or, sign up for a social network aggregation service to make it easier to make changes on all your profiles at once. You also might want to consider setting up a targeted Twitter list of friends and followers who can help you hold yourself accountable and focus your social media efforts so you can minimize the number of relationships you’re managing and maximize the return you’re getting from all these changes.

New Year, New You/>

Whether your New Year’s resolutions involve getting yourself in better physical, financial or social media shape, the web can help you figure out exactly what you want to change and how you’re going to keep yourself accountable for changing it. 2011 is a brand new year and a completely fresh start, and, breaking your New Year’s resolutions is so 2010.

More Social Media Resources from Mashable:

- 10 More Creative Uses of the New Facebook Profile [PICS]/> - 10 Cool Facebook Status Tips and Tricks/> - 6 Reasons Why Social Games Are the Next Advertising Frontier/> - 3 Things Brands Must Do to Reach Millennials Online/> - How Social Media Can Help With Your Long Distance Job Search

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, DNY59

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 Android, iPhone and iPad

Yesterday a lot of people were surprised when word came out that James Franco is actively pursuing two very lofty directorial ambitions — he wants to write and direct film versions of William Faulkner‘s landmark novel As I Lay Dying, and Cormac McCarthy‘s Blood Meridian.

There was some initial skepticism about half of that report, as producer Scott Rudin wrote to IndieWire to suggest that the Blood Meridian news was either premature or incorrect. But now James Franco has done a little interview explaining his approach to both novels. And how does Jacob from Lost fit into all this? Answer after the break.

EW talked to the actor, who linked both texts in a ‘spiritual’ sense, ““I think they go together, though. I think McCarthy is really influenced by Faulkner.” I’d agree with that, very definitely. He says that the Faulkner adaptation would shoot this summer if things work out, and then he’d do Blood Meridian next year.

So how would he shoot As I Lay Dying?

You want to capture the tone, but you can’t work in exactly the same way. I don’t believe it’ll feel the same if you divide it as rigidly as the book, like titles that say ‘Cash’ and then you’re with Cash. You can slip into the characters’ heads and give them their inner voice for a while, but it has to be more fluid because movies just work differently than books. Movies, in some ways because they deal in images, are more concrete. I want to be loyal to the book — my approach is to always be loyal in a lot a ways — but in order to be loyal I will have to change some things for the movie.

When it comes to Blood Meridian, the question of casting looms large. Who would play central character The Judge, who is an utter giant of an albino? Well, Franco was so determined to get the gig making the film that he shot some test footage to present to Scott Rudin. And in that footage he cast Mark Pellegrino, aka one of the rug pissers from The Big Lebowski, and Jacob from Lost. (Scott Glenn, Luke Perry and Dave Franco also appeared.) Note that this does not mean that those actors will necessarily be cast in the actual film, whatever happens.

We made that as a way to convince Scott Rudin to give us the rights. It was like, why should he give it to me when Ridley Scott didn’t make it? So I called him up and said, ‘I’m planning on doing this. You don’t have to give me any money, I can finance this shoot. Would you just wait? Don’t do anything with it until I show this to you.’ And I showed it to him and he loved it.

One question that came up yesterday is: what happened to the version of Blood Meridian that Todd Field was going to write and direct? The simple answer is that we don’t know for certain, and given Scott Rudin’s odd response to this news yesterday, I’m more curious than ever. I’d be surprised to learn that it is still kicking, so if you think the idea of the director of Little Children making Blood Meridian seems like a good idea (as I do) then it might be time to let that notion go.

Here’s what it seems like: Franco pitched Blood Meridian to Scott Rudin, but the producer’s vague email to IndieWire yesterday suggests he hasn’t got the gig just yet. Now, if Franco manages to get As I Lay Dying moving forward, and if he makes the film work, then things could change quickly. Blood Meridian has been in development for a long time, and unless the option is close to lapsing, a few more months of waiting isn’t going to change much.

robert shumake detroit

robert shumake

<b>News</b> Corp. Online Gaming Head Sean Ryan to Head Facebook&#39;s Social <b>...</b>

Sean Ryan, who arrived at News Corp. mid-year to set up a new online gaming unit, is moving to Facebook to head partnerships at its key gaming platform, according to sources. Currently, Facebook does not create social games, ...

Baby Boomers and Sacrifice - AOL <b>News</b>

WASHINGTON -- Baby boomers have long been derided as a bunch of spoiled brats -- a.

Small Business <b>News</b>: Starting Your New Business In A New Year

Whether your starting a new business or rethinking an existing one, 2011 offers fresh possibilities and a new start. If you're launching a new business, there.

robert shumake

<b>News</b> Corp. Online Gaming Head Sean Ryan to Head Facebook&#39;s Social <b>...</b>

Sean Ryan, who arrived at News Corp. mid-year to set up a new online gaming unit, is moving to Facebook to head partnerships at its key gaming platform, according to sources. Currently, Facebook does not create social games, ...

Baby Boomers and Sacrifice - AOL <b>News</b>

WASHINGTON -- Baby boomers have long been derided as a bunch of spoiled brats -- a.

Small Business <b>News</b>: Starting Your New Business In A New Year

Whether your starting a new business or rethinking an existing one, 2011 offers fresh possibilities and a new start. If you're launching a new business, there.

robert shumake detroit

Before starting in the office cleaning business, you should gather a good amount of information about what is involved within this business. There are sources that will help you gather information on making money through office cleaning but three basic steps are the same among all systems.

To make a good amount of money with office cleaning type work, the first step you need to consider is the arrangement of jobs for yourself. You can do this by attaching yourself with an existing cleaning business. By doing this, you don't have to look for jobs all by yourself, plan things or make a schedule for your self. It would be done automatically for you.

However, if you would like to have complete control over your office cleaning work and you don't have a problem making your own commercial office cleaning check list and spending time to get new customers, starting your own office cleaning business would be a better option for you.

The second step you need to consider in making money with office cleaning work is to know what needs to be done for each job. You need to make sure that you have the right tools and equipments to do the job properly. It may seem difficult to you at first but it's not hard to learn.

You will find that some of the customers will want you to use their cleaning products, obviously to save money, while others would like you to bring in your own cleaning products. So you need to know each of your customer preferences, fulfilling their desires and requirements to make them happy.

The final step is to be consistent with your customers. You have to be on time, fulfill commitments and be ready to do some extra work if needed. It may happen that the customer needs some extra cleaning in his office because some one special is going to visit. In this way you can satisfy the needs of the customer. It is also important that while dealing with the customer the billing is on time. Be professional while dealing with the customer and leave a good impression with them. This will help you increase your home cleaning business if you plan to create full time work.

It is important to make a decision before you start your office cleaning business. Decide whether you are going to do it as a full time business or just as a side business. If you are planning to start a full time office cleaning business, prepare your self to spend the required time, attention, hard work and money. And if you are doing it as a side business, you still cannot afford to ignore it.

You can find a lot of material on how to make money through office cleaning. If you work at it professionally you will most certainly increase your income and grow your business. When trying to make money through office cleaning, you need to remember the previous three basic steps. Following these three steps will lead to a successful business and your freedom from a job you don't like.


robert shumake detroit

<b>News</b> Corp. Online Gaming Head Sean Ryan to Head Facebook&#39;s Social <b>...</b>

Sean Ryan, who arrived at News Corp. mid-year to set up a new online gaming unit, is moving to Facebook to head partnerships at its key gaming platform, according to sources. Currently, Facebook does not create social games, ...

Baby Boomers and Sacrifice - AOL <b>News</b>

WASHINGTON -- Baby boomers have long been derided as a bunch of spoiled brats -- a.

Small Business <b>News</b>: Starting Your New Business In A New Year

Whether your starting a new business or rethinking an existing one, 2011 offers fresh possibilities and a new start. If you're launching a new business, there.

robert shumake

robert shumake detroit

Mollie Vandor is the product manager for Ranker.com where she likes to make lists about reading, eating and bad-TV-watching. She’s also the media director for Girls in Tech LA. You can find her on Twitter @Mollierosev and on her blog.

Whether you’re looking to make a big change, or just tweak a few little things, the new year gives you the perfect opportunity to reflect on your behavior and resolve to do better going forward.

Of course, it’s one thing to say you want to tackle a typical resolution like get in better physical shape, get in better financial shape or — like many of us who work on the web — get your social media presence in order. It’s another thing to actually accomplish those big, broad goals.

So this year, instead of making your goals big and broad, why not take a page from the web world and use analytics to pinpoint the specific stuff you want to change? And, by that same token, why not use data tracking to hold yourself accountable for keeping all those resolutions too?

Read on for some tips on how to use social media to corral your New Year’s resolutions. Let us know in the comments below what tips worked for you, or share your own resolution advice.

Let’s Get Physical/>

There’s the freshman 15 everyone gains from collegiate pizza and beer, and then there’s the startup 15 many of us tech geeks gain from sodas and office snacks. Between the time spent sitting in front of a computer screen and the time spent networking over drinks and dinners, it’s easy to put on pounds when you work on the web. Of course, you can always try the startup diet, but that’s not necessarily going to work for everyone.

Keeping a food and exercise log might sound like a daunting task, but it turns out you may already be tracking some of that data without even knowing it. Foursquareclass="blippr-nobr">foursquare actually lets you see your entire checkin history and, if you do a quick search, you can find it so you can easily see whether you’ve really been going to the gym or frequenting your fast food runs.

Similarly, the Foursquare stats page lets you see your own checkin trends in handy graphs and lists. There’s even a site called weeplaces that lets you turn your Foursquare, Facebook Places and class='blippr-nobr'>Gowallaclass="blippr-nobr">Gowalla checkins into graphic visualizations. And, weeplaces will let you filter those visualizations by food-related checkins and parks and recreation checkins, so you can really get a handle on your history.

class='blippr-nobr'>Google Mapsclass="blippr-nobr">Google Maps also lets you search your own history, so can get a visual reminder of the places you’ve been searching for, and start picking up on trends in your own behavior. You just have to enable it. And, of course, there’s the age-old pedometer, made a lot easier and more fashionable via a host of iPhoneclass="blippr-nobr">iPhone and Androidclass="blippr-nobr">Android apps that let you easily track how much you’re walking without having to do anything more than a quick download.

Of course, once you establish the things you want to change about your eating and exercising habits, you still have to make those changes stick. class='blippr-nobr'>Appsclass="blippr-nobr">Apps like LoseIt, Weight Watchers and LiveStrong let you log calories you eat and calories you burn via your smartphone. Fitango prescribes personalized plans to help you get in shape, and gives you a forum for sharing milestones you meet with your friends. Similarly, Phitter is like a fitness-focused class='blippr-nobr'>Twitterclass="blippr-nobr">Twitter stream where people share weight loss trials, tribulations and tips to help keep each other going.

Or, you can try something like the Social Workout Challenge, which gives you fitness goals to meet and a community of people to keep you accountable for meeting them. If you really want to take your weight tracking to the next level, there’s even a scale that automatically tweets your weight to the world. While you’re at it, FixNixer and QuitMeter also give you similar tools for tracking your way out of a smoking habit, another great way to get yourself in better physical shape in the new year.

Money, Money, Money/>

For many people, the New Year is also a great time to get a fresh financial start. But again, it’s a lot easier to make changes going forward when you know how you’ve been behaving in the past. That’s where a site like Mint.com can be very handy. class='blippr-nobr'>Mintclass="blippr-nobr">Mint aggregates all of your various accounts, including credit cards, bank accounts and assets, and then turns your spending habits into easy-to-read charts and graphs that show you where you’re spending and where you could be saving. It even lets you compare your shopping and spending habits with other people in your area, so you can see how you stack up. Many credit cards, like American Express Blue and Visa Signature, also give you year-end spending summaries that show you how much you’ve spent, how much you’ve saved, how much interest you’ve accumulated and more.

Once you’ve nailed down how your money is going out the door, you can start figuring out ways to keep more of it in your wallet. Again, this is where tracking will be key to actually keeping those resolutions. First, you can establish your financial goals via an online calculator, which lets you figure out exactly how much to start saving. Once you’ve figured out your goals, there are more than 50 great, free mobile apps to help you track your spending. On Facebook, the BillMonk app will help you keep better track of those tricky situations where you’re sharing a bill with friends, and you need to make sure everyone knows what they owe. XPenser lets you record your expenses from any device, including via tweet and e-mail, and TweetWhatYouSpend gives you a forum for sharing your expenditures with everyone on Twitter, so your friends can help hold you accountable when you blow your budget shopping those post-holiday sales.

Get Your Social Media in Shape/>

Whether or not you work on the web, if you’re reading class='blippr-nobr'>Mashableclass="blippr-nobr">Mashable, chances are you have a social media presence. And, just like your physical and financial identities, your social media self might be due for a little makeover in 2011 too. The good news is that the data is even easier to find when you’re talking about your personal tech habits. For example, you can use the Top Words app to figure out the topics you talk about most on class='blippr-nobr'>Facebookclass="blippr-nobr">Facebook. Klout tells you which topics you talk about the most on Twitter, and all sorts of other stats that will help you pinpoint what it is about your social media presence that you may want to change.

Similarly, BackType analyzes your Twitter profile and tells you what percentage of your tweets are replies, retweets, links, etc. Like Klout, it also tells you who you’re influencing and who your influencers are. And, it shows you your most shared sites. All of these are great data points for determining things you’d like to change about your social media presence. Finally, ViralHeat gives you in-depth analysis of the sentiment around your various social network profiles, which really lets you hone in on how your social media behavior is being received by your followers on Facebook, Twitter and across the web.

Once you’ve established what you want to change, you can set up ViralHeat to send alerts and updates directly to your inbox so you can track the impact of those changes on the fly. Similarly, since Klout and BackType both update regularly now, you can see your statistics change as your behavior does, which is a great way to keep yourself motivated. And, of course, make sure you set up Google Alerts to track all the activity around your various accounts.

If your resolution involves blogging more often, there are plenty of apps to help you do that on the go, right from your phone. Another way to remind yourself of things you want to blog, tweet or post about is by using a service like TwittRemind, which lets you tweet yourself reminders to do things throughout the day.

To make the most of your many profiles, consider setting up a hub page via a service like about.meclass="blippr-nobr">about.me, which lets you showcase all your profiles in one place. Or, sign up for a social network aggregation service to make it easier to make changes on all your profiles at once. You also might want to consider setting up a targeted Twitter list of friends and followers who can help you hold yourself accountable and focus your social media efforts so you can minimize the number of relationships you’re managing and maximize the return you’re getting from all these changes.

New Year, New You/>

Whether your New Year’s resolutions involve getting yourself in better physical, financial or social media shape, the web can help you figure out exactly what you want to change and how you’re going to keep yourself accountable for changing it. 2011 is a brand new year and a completely fresh start, and, breaking your New Year’s resolutions is so 2010.

More Social Media Resources from Mashable:

- 10 More Creative Uses of the New Facebook Profile [PICS]/> - 10 Cool Facebook Status Tips and Tricks/> - 6 Reasons Why Social Games Are the Next Advertising Frontier/> - 3 Things Brands Must Do to Reach Millennials Online/> - How Social Media Can Help With Your Long Distance Job Search

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, DNY59

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 Android, iPhone and iPad

Yesterday a lot of people were surprised when word came out that James Franco is actively pursuing two very lofty directorial ambitions — he wants to write and direct film versions of William Faulkner‘s landmark novel As I Lay Dying, and Cormac McCarthy‘s Blood Meridian.

There was some initial skepticism about half of that report, as producer Scott Rudin wrote to IndieWire to suggest that the Blood Meridian news was either premature or incorrect. But now James Franco has done a little interview explaining his approach to both novels. And how does Jacob from Lost fit into all this? Answer after the break.

EW talked to the actor, who linked both texts in a ‘spiritual’ sense, ““I think they go together, though. I think McCarthy is really influenced by Faulkner.” I’d agree with that, very definitely. He says that the Faulkner adaptation would shoot this summer if things work out, and then he’d do Blood Meridian next year.

So how would he shoot As I Lay Dying?

You want to capture the tone, but you can’t work in exactly the same way. I don’t believe it’ll feel the same if you divide it as rigidly as the book, like titles that say ‘Cash’ and then you’re with Cash. You can slip into the characters’ heads and give them their inner voice for a while, but it has to be more fluid because movies just work differently than books. Movies, in some ways because they deal in images, are more concrete. I want to be loyal to the book — my approach is to always be loyal in a lot a ways — but in order to be loyal I will have to change some things for the movie.

When it comes to Blood Meridian, the question of casting looms large. Who would play central character The Judge, who is an utter giant of an albino? Well, Franco was so determined to get the gig making the film that he shot some test footage to present to Scott Rudin. And in that footage he cast Mark Pellegrino, aka one of the rug pissers from The Big Lebowski, and Jacob from Lost. (Scott Glenn, Luke Perry and Dave Franco also appeared.) Note that this does not mean that those actors will necessarily be cast in the actual film, whatever happens.

We made that as a way to convince Scott Rudin to give us the rights. It was like, why should he give it to me when Ridley Scott didn’t make it? So I called him up and said, ‘I’m planning on doing this. You don’t have to give me any money, I can finance this shoot. Would you just wait? Don’t do anything with it until I show this to you.’ And I showed it to him and he loved it.

One question that came up yesterday is: what happened to the version of Blood Meridian that Todd Field was going to write and direct? The simple answer is that we don’t know for certain, and given Scott Rudin’s odd response to this news yesterday, I’m more curious than ever. I’d be surprised to learn that it is still kicking, so if you think the idea of the director of Little Children making Blood Meridian seems like a good idea (as I do) then it might be time to let that notion go.

Here’s what it seems like: Franco pitched Blood Meridian to Scott Rudin, but the producer’s vague email to IndieWire yesterday suggests he hasn’t got the gig just yet. Now, if Franco manages to get As I Lay Dying moving forward, and if he makes the film work, then things could change quickly. Blood Meridian has been in development for a long time, and unless the option is close to lapsing, a few more months of waiting isn’t going to change much.

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Sean Ryan, who arrived at News Corp. mid-year to set up a new online gaming unit, is moving to Facebook to head partnerships at its key gaming platform, according to sources. Currently, Facebook does not create social games, ...

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WASHINGTON -- Baby boomers have long been derided as a bunch of spoiled brats -- a.

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Whether your starting a new business or rethinking an existing one, 2011 offers fresh possibilities and a new start. If you're launching a new business, there.

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foreclosure search

Exclusive: Huckabee Working With Scam Artist Notorious For Targeting Foreclosure Victims

Fox News personality and former Gov. Mike Huckabee (R-AR) recently began appearing in television commercials calling for viewers to dial a 1-800 number to sign a repeal petition against health reform called “Repeal It Now.” The ad, a “project of Restore America’s Voice” (RAV), a political action committee run by Huckabee’s friend Ken Hoagland, also directs viewers to a website that solicits donations. “Well now, we’ll do our spanking on the Congress,” says a cheerful Huckabee before claiming that Americans will “rule” again if the petitioned is signed.

Huckabee, who has a history of using his ubiquitous media presence to fundraise for political groups benefiting himself and his family, is again associating with a shady political venture. ThinkProgress has learned that Huckabee is working with a firm notorious for defrauding families facing foreclosure with false promises and predatory fees.

According to disclosures filed with the FEC, RAV’s campaign is managed by a firm called the 949 Media Group. 949 has been paid tens of thousands of dollars to set up RAV’s website and Google search optimization, and receives a regular commission of $10,000 for related media work from RAV. ThinkProgress spoke to a representative from RAV, who told us that 949 is run by an individual named Derek Oberholtzer. According to the representative, Oberholtzer has worked with RAV since the PAC formed in October.

Oberholtzer is well known as a scam artist who has used a myriad of tricks to defraud people out of their money. In addition to 949 Media Group, he started a number of companies, including “Apply 2 Save” (A2S) and Giant Media Works. Consumer report websites are rife with complaints about Oberholtzer’s odious business practices. In one scheme, Oberholtzer paid for radio and other advertisements telling distressed homeowners to contact his company A2S to pay a flat $595 fee to receive assistance in renegotiating their loans or to block a bank foreclosure. The Federal Trade Commission has prosecuted Oberholtzer for deceptive practices. In numerous cases, Oberholtzer took the $595 payment, and never did anything to stop a foreclosure or even contact the mortgage company in question. In many instances he continued billing his customers further fees totaling nearly $1,000 without lifting a finger to actually renegotiate their mortgage or halt a foreclosure, as his “Apply 2 Save” company promised.

On message boards discussing mortgage fraud, story after story details A2S’s trickery. There are heartbreaking tales of families spending their last savings on a lifeline promised by Oberholtzer’s company — only to be defrauded and forced out of their homes.

After receiving over 150 complaints about Oberholtzer’s companies charging up-front fees of over $1,500 without delivering on any foreclosure assistance, the Idaho attorney general banned Oberholtzer from engaging in the home loan business in his state. “Apply 2 Save operated for less than a year, signed up hundreds of clients, and took in millions of dollars,” said Lawrence Wasden, Idaho’s attorney general. “Yet few consumers ever received the mortgage modification services they purchased.” After a successful lawsuit, Wasden was able to win $45,000 from A2S to distribute to Oberholtzer’s victims. In Maryland, Oberholtzer has been served an order to cease and desist after the state commissioner of financial regulation received multiple complaints about Apply 2 Save’s fraudulent scheme. Eventually, A2S was forced into bankruptcy and a wave of legal action in Idaho spurred Oberholtzer to move to California. Oberholtzer also agreed to pay $4 million to settle a civil suit filed by the Federal Trade Commission.

Once he was driven out of the business of defrauding already desperate people facing foreclosure, Oberholtzer became active in Republican politics. The “Repeal It Now” campaign set up by Restore America’s Voice and 949 Media Group claims endorsements from Huckabee, Joe “The Plumber” Wurzelbacher, and somehow from deceased president Ronald Reagan. Olberholtzer also owns inactive domains called electmichele.org (presumably for Rep. Michele Bachmann (R-MN), repeality.biz, electme2012.com, and ravpac.info. The “Repeal It Now” campaign Huckabee stars in does nothing to accurately discuss health reform or address the health care crisis. It only exists to rake in donations and spread right-wing hysteria.

As ThinkProgress has reported, there are a number of right-wing consultants who appear to orchestrate campaigns simply to enrich themselves. For example, one of the well-paid leaders of the Tea Party Patriots made a career before the Tea Party movement concocting pyramid schemes with herbal nutrient products and the Tea Party Express is run by an infamous Republican consulting firm known for starting front groups to funnel donations back to themselves. Similarly, people like Sarah Palin and Newt Gingrich seem to be willing to say or do anything to earn a quick buck. However, Huckabee’s central role in legitimizing fraudsters like Oberholtzer might be a new low, even for the radical right.

Fox News personality and former Gov. Mike Huckabee (R-AR) recently began appearing in television commercials calling for viewers to dial a 1-800 number to sign a repeal petition against health reform called “Repeal It Now.” The ad, a “project of Restore America’s Voice” (RAV), a political action committee run by Huckabee’s friend Ken Hoagland, also directs viewers to a website that solicits donations [...]

According to disclosures filed with the FEC, RAV’s campaign is managed by a firm called the 949 Media Group. 949 has been paid tens of thousands of dollars to set up RAV’s website and Google search optimization, and receives a regular commission of $10,000 for related media work from RAV. ThinkProgress spoke to a representative from RAV, who told us that 949 is run by an individual named Derek Oberholtzer. According to the representative, Oberholtzer has worked with RAV since the PAC formed in October.

Oberholtzer is well known as scam artist who has used a myriad of tricks to defraud people out of their money. In addition to 949 Media Group, he started a number of companies, including “Apply 2 Save” (A2S) and Giant Media Works. Consumer report websites are rife with complaints about Oberholtzer’s odious business practices. In one scheme, Oberholtzer paid for radio and other advertisements telling distressed homeowners to contact his company A2S to pay a flat $595 fee to receive assistance in renegotiating their loans or to block a bank foreclosure. The Federal Trade Commission has prosecuted Oberholtzer for deceptive practices. In numerous cases, Oberholtzer took the $595 payment, and never did anything to stop a foreclosure or even contact the mortgage company in question. In many instances he continued billing his customers further fees totaling nearly $1,000 without lifting a finger to actually renegotiate their mortgage or halt a foreclosure, as his “Apply 2 Save” company promised.

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foreclosure auctions

As we've been saying, there are two different worlds from the perspective of the economy, and here's a look at the two different worlds from the eyes of the media.  - Ilene

Tinsel Tuesday – Market Decorations Make Us Merry

Courtesy of Phil of Phil's Stock World

I figured out how to get bullish!

Just read the Wall Street Journal.  On the front page we have "Nuclear Pact Adds Backers" above the fold along with a fluff piece on the weather in Europe. There are 3 other featured articles on the front page of the World’s most widely-read financial paper and one is a fluff piece on the Jimmy Stewart museum, one is on the obscure concept of betting people are going to die (very fun and interesting but "The World’s biggest financial paper"?) and the last is on the SEC looking into Mark Hurd’s exit from HP.  On the left is "What’s News" with about 30 summaries of articles in the paper so one would think you could look this over and have a really good idea of what’s going on in the World.

I see that "Spain said its regional governments are on track to meet their budget targets" and Dow component Boeing (who fell off yesterday) announced a "$1 Billion commercial satellite deal with the Mexican Government" and Blackstone is starting a $15Bn fund and TD is buying Chrysler Financial for $6.3Bn and (and this is a real XMas gift to Wall Street) "A Senate deal to fund the federal government until early March doesn’t include money to enact the health-care overhaul or stepped up regulation of Wall Street" and also that North Korea held their fire during a South Korean artillery drill.  Wow!  All seems right with the World, doesn’t it?

If I just read the WSJ, I find no reason to be bearish at all.  Certainly there is no mention of Spanish Bond Yields rising 37% in a month to 5.5% at today’s $4Bn bond auction. There is no mention of China’s Vice Chairman of National Development saying that China "needs to prepare for a long- term fight against inflation" or that oil imports into China are expected to fall off next year as their economy cools down. You would think the fact that BAC, JPM and four other lenders facing a suspension of foreclosure activity under court order in New Jersey would be a news story or perhaps some mention of the 29-year high in sugar prices would be of interest to investors along with the limit-up trading in cotton to record highs for no particular reason other than the fact that it’s a commodity and speculators will buy pretty much anything in the current frenzy. 

Gold is up for the third consecutive day, China’s money-market rates jumped to a 2-year high as banks raised their reserve ratios (this one didn’t even make the WSJ’s on-line Asia section, but you can real all about the World’s most expensive noodles!). Pimco said "Untenable Policies Will Lead to Eurozone Break-Up" according to the London Telegraph with Andrew Bosomworth stating: "Greece, Ireland and Portugal cannot get back on their feet without either their own currency or large transfer payments. The euro crisis is not over by a long shot. Market tensions will continue into 2011. The mechanism comes far too late."

Of course that’s nothing compared to Meredith Whitney’s dire warning of a financial meltdown driven by the collapse of US municipal bond auctions – a topic we discussed last Wednesday.  And Meredith is just full of holiday cheer compared to David Rosenberg, who puts a fair value on the S&P at no more than 1,120 and makes many excellent points that the market is now 10% overvalued and gives "10 Signs that the Holiday Retail Season is Going Worse Than People Realize" or John Hussman, who has certainly channeled his inner Phil with "Things I Believe" too!  

We are, then, getting to the root of my problem – I read too much! I wake up early every morning and read my various papers and web sites and, from that, I formulate a short-term and long-term investing premise. Perhaps I have forgotten what the Great Emancipator once said:

 

""A total of 78,955 U.S. properties received default notices (NOD, LIS) in November, a 21 percent decrease from the previous month and a 31 percent decrease from November 2009 — the 10th straight annual decrease in default notices. November’s default notices total was the lowest since July 2007. ""

 

DEFAULT NOTICES,  administrative 3 months mandatory paper trail, properly 'served' to meet stage one Legal Requirements...

 

November 2010 lowest since July 2007 thats 3 years and 5 months = 41 months 

so finally exhausted the continued monthly supply of about 80,000 defaulting type house buyers, 3.28 million defaulters

 

SINCE THE TAIL END CHARLIES finally 'evicted' is/has been at 95,000 / month...(why MORE..hum) ANYWAY, FOR SURE ALL 100% OF THE DEFAULTERS SEEM TO BE CONTINUING TO NOT PAY..remaining rent free during the judicial cycle from default to final eviction...

 

How Long on average ? 12-24 months per house rent-free? pure guess.. another guess is therrefore HOW MUCH 'TAKE HOME ADDITIONAL SPENDING MONEY IS IT @ 24 months and say $1500/month (very modest estimate, low end). and 3.28 million 'beneficiaries' over the 41 months thus far...

 

Well, a NICE SOLID $36,100 per household ....11.75 x 10 (6+4)  =>  11.75 tens of billions..=>.$117.50 BILLION boost to the USA economy, spread over 41 months, very very good...

 

Another pure guess is IF the US IRS will make an Administrative Final Decision regards the tax status of the UNPAIDFORGIVEN DEBTS on those mortgages...

 

You see, of course, that for every Bank Tax deduction for 'written off mortgage-debt', that same EQUAL amount of "DEBT FORGIVEN MUST BE TAXED", against the 'beneficiary...shall it be 'short term' or 'long term' windfall income?,

 

and under what special payment terms shall the IRS allow the money-due to be paid...probably the short term mode = 35% average for blue collar workers, spread over 2 years of the estimated $36,100 / household finally evicted, about $12,600 'back taxes due'

 

and for non-citizens, non-payment could result in deportation/refusals to renew VISAs and all THAT...right?

 

 

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foreclosure auctions

As we've been saying, there are two different worlds from the perspective of the economy, and here's a look at the two different worlds from the eyes of the media.  - Ilene

Tinsel Tuesday – Market Decorations Make Us Merry

Courtesy of Phil of Phil's Stock World

I figured out how to get bullish!

Just read the Wall Street Journal.  On the front page we have "Nuclear Pact Adds Backers" above the fold along with a fluff piece on the weather in Europe. There are 3 other featured articles on the front page of the World’s most widely-read financial paper and one is a fluff piece on the Jimmy Stewart museum, one is on the obscure concept of betting people are going to die (very fun and interesting but "The World’s biggest financial paper"?) and the last is on the SEC looking into Mark Hurd’s exit from HP.  On the left is "What’s News" with about 30 summaries of articles in the paper so one would think you could look this over and have a really good idea of what’s going on in the World.

I see that "Spain said its regional governments are on track to meet their budget targets" and Dow component Boeing (who fell off yesterday) announced a "$1 Billion commercial satellite deal with the Mexican Government" and Blackstone is starting a $15Bn fund and TD is buying Chrysler Financial for $6.3Bn and (and this is a real XMas gift to Wall Street) "A Senate deal to fund the federal government until early March doesn’t include money to enact the health-care overhaul or stepped up regulation of Wall Street" and also that North Korea held their fire during a South Korean artillery drill.  Wow!  All seems right with the World, doesn’t it?

If I just read the WSJ, I find no reason to be bearish at all.  Certainly there is no mention of Spanish Bond Yields rising 37% in a month to 5.5% at today’s $4Bn bond auction. There is no mention of China’s Vice Chairman of National Development saying that China "needs to prepare for a long- term fight against inflation" or that oil imports into China are expected to fall off next year as their economy cools down. You would think the fact that BAC, JPM and four other lenders facing a suspension of foreclosure activity under court order in New Jersey would be a news story or perhaps some mention of the 29-year high in sugar prices would be of interest to investors along with the limit-up trading in cotton to record highs for no particular reason other than the fact that it’s a commodity and speculators will buy pretty much anything in the current frenzy. 

Gold is up for the third consecutive day, China’s money-market rates jumped to a 2-year high as banks raised their reserve ratios (this one didn’t even make the WSJ’s on-line Asia section, but you can real all about the World’s most expensive noodles!). Pimco said "Untenable Policies Will Lead to Eurozone Break-Up" according to the London Telegraph with Andrew Bosomworth stating: "Greece, Ireland and Portugal cannot get back on their feet without either their own currency or large transfer payments. The euro crisis is not over by a long shot. Market tensions will continue into 2011. The mechanism comes far too late."

Of course that’s nothing compared to Meredith Whitney’s dire warning of a financial meltdown driven by the collapse of US municipal bond auctions – a topic we discussed last Wednesday.  And Meredith is just full of holiday cheer compared to David Rosenberg, who puts a fair value on the S&P at no more than 1,120 and makes many excellent points that the market is now 10% overvalued and gives "10 Signs that the Holiday Retail Season is Going Worse Than People Realize" or John Hussman, who has certainly channeled his inner Phil with "Things I Believe" too!  

We are, then, getting to the root of my problem – I read too much! I wake up early every morning and read my various papers and web sites and, from that, I formulate a short-term and long-term investing premise. Perhaps I have forgotten what the Great Emancipator once said:

 

""A total of 78,955 U.S. properties received default notices (NOD, LIS) in November, a 21 percent decrease from the previous month and a 31 percent decrease from November 2009 — the 10th straight annual decrease in default notices. November’s default notices total was the lowest since July 2007. ""

 

DEFAULT NOTICES,  administrative 3 months mandatory paper trail, properly 'served' to meet stage one Legal Requirements...

 

November 2010 lowest since July 2007 thats 3 years and 5 months = 41 months 

so finally exhausted the continued monthly supply of about 80,000 defaulting type house buyers, 3.28 million defaulters

 

SINCE THE TAIL END CHARLIES finally 'evicted' is/has been at 95,000 / month...(why MORE..hum) ANYWAY, FOR SURE ALL 100% OF THE DEFAULTERS SEEM TO BE CONTINUING TO NOT PAY..remaining rent free during the judicial cycle from default to final eviction...

 

How Long on average ? 12-24 months per house rent-free? pure guess.. another guess is therrefore HOW MUCH 'TAKE HOME ADDITIONAL SPENDING MONEY IS IT @ 24 months and say $1500/month (very modest estimate, low end). and 3.28 million 'beneficiaries' over the 41 months thus far...

 

Well, a NICE SOLID $36,100 per household ....11.75 x 10 (6+4)  =>  11.75 tens of billions..=>.$117.50 BILLION boost to the USA economy, spread over 41 months, very very good...

 

Another pure guess is IF the US IRS will make an Administrative Final Decision regards the tax status of the UNPAIDFORGIVEN DEBTS on those mortgages...

 

You see, of course, that for every Bank Tax deduction for 'written off mortgage-debt', that same EQUAL amount of "DEBT FORGIVEN MUST BE TAXED", against the 'beneficiary...shall it be 'short term' or 'long term' windfall income?,

 

and under what special payment terms shall the IRS allow the money-due to be paid...probably the short term mode = 35% average for blue collar workers, spread over 2 years of the estimated $36,100 / household finally evicted, about $12,600 'back taxes due'

 

and for non-citizens, non-payment could result in deportation/refusals to renew VISAs and all THAT...right?

 

 

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People Making Money Net

Every so often Warren Buffett goes on TV and calls for higher taxes. This from the guy who’s paid, according to Forbes, perhaps less than $10 million in taxes, a tiny percentage of his $50 billion net worth. I say perhaps because, to the best of my knowledge, Buffett has never made his tax returns public.

Buffett is big-business, with his Berkshire Hathaway holding company stock selling (today) at $119,675.00 per share. Berkshire Hathaway has 1 million shares, which means that Buffett heads a company worth more that the gross national product of a few small Latin American countries.

How does Buffett manage to pay so little in taxes? For one, Buffett, who wants everybody to pay for big-spending big government, donates sizable amounts to tax-exempt philanthropies, such as the Gates Foundation. Forbes, again,

He donates appreciated Berkshire Hathaway stock — which costs him pennies on the dollar — to charity, and receives a fat, juicy tax deduction at the appreciated price without having to pay a capital gains tax on the appreciation. (And, note that the money actually sits in his own charitable organization.) He’s saving income taxes with the ordinary deduction so it’s essentially a tax shelter.

He builds up his massive net worth and doesn’t have to sell stock while deferring capital gains. When he does take a capital gain, it’s at a 15% rate, and he lives in a low-tax state.

Buffett has been known to complain that he paid taxes on the lower-rated capital gains rate rather than the higher income-tax rate. Well, play me the world’s smallest violin, Warren.

Mind you, I’m all for capitalism. America is the greatest country in the world because historically it afforded its citizens the ability to legally prosper and live in abundance. What I object to is billionaires who got their own aiming to prevent anyone else from attaining the same, or more, as they.

This latest time around Buffett was on ABC’s This Week, and told Christiane Amanpour that “People at the high end, people like myself, should be paying more taxes”,

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More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

bench craft company scam

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

bench craft company scam

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

bench craft company scam

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

bench craft company scam

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

Fox <b>News</b> Reporter Warns: The Terrorists Are Watching Us Debate Taxes

Fox News White House correspondent James Rosen detailed the terrorism implications of a tax-cut debate last night, insisting that President Obama's jumbled "negotiate with hostage-takers" metaphor during yesterday's press conference ...

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.