Thursday, December 30, 2010

Wotlk Making Money

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Fox <b>News</b> Channel&#39;s Kimberly Guilfoyle: Ignore CPAC boycotters <b>...</b>

Former first lady of San Francisco tells groups boycotting February convention to participate if they want to be heard.

Salvatore A. Giunta to Drop the Times Square Ball and 5 Other New <b>...</b>

Salvatore A. Giunta, the first living person to receive the Congressional Medal of Honor since the Vietnam War, is this year's Times Square ball drop guest of honor. Surge Desk offers 5 facts about the famous New York tradition.

Fox <b>News</b>, Hypocrisy, And “Politically Correct” Journalism

My earlier post about Megyn Kelly's absurd equation of illegal immigration and rape in a discussion about changes to the Associated Press Style Guide.


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Tuesday, December 28, 2010

Making Money With Options


(Editor’s note: Charley Polachi is a partner at Polachi, an executive recruiting firm. He submitted this story to VentureBeat.)


2010 is winding down rapidly with all indications that the worst is behind us – hopefully. At the very least, that’s the sentiment of many of the executives we deal with.


As we gave forward into 2011, we queried several of our executive search partners around the world to get their input on what they see happening in their back yards and what they anticipate for the year to come. Here’s what they had to say:


Sean Carroll, Polachi (NYC)

“If there is any meaningful uptick in the economy, good talent that may be on the sidelines will be gone and entrepreneurs will have a tough time hiring on their own.  Also, I suspect there will be a strong M&A market as we’ve seen with Netezza, Unica, Coremetrics, etc.  Corporations have lots of cash and will buy at the right price.”


“Lastly, as entrepreneurs pioneer innovative solutions, there will always be a shortage of skills as the experience or domain does not exist yet.  A good example is SEO products.  Automating SEO is an interesting problem to solve but there are only a few young product companies, so the only place to get SEO experience is the agencies…no SaaS or product experience there.  Entrepreneurs need to make bets that talent can step up in a new sector.”


Andy Price, Schweichler, Price, Mullarkey and Barry (Silicon Valley)

“My view is that the talent pool is getting snapped up pretty fast and once again we’re seeing a very competitive landscape for people.  We’re competing against two forces: Other companies recruiting, and inertia driven by either risk aversion or someone’s low priced options are suddenly in the money and they’re inclined to take risk off the table.  That said, people believe startups have a chance again so they’re willing to talk to you.  Closing people is the hard part right now.”


Steve Lavelle, Gillamor Stephens (London)

“In Europe, access to the talent pool is there, provided the company’s proposition is compelling enough. Closing candidates can be challenging though and having been through the low point of hiring activity, it’s only going to heat up as we move into next year.”


Sal Rocco, Stonewood Group (Toronto)

“We are seeing more product development, engineering-oriented searches than in the past 2-3 years.  The only thing we can attribute this to is that when the market tanked and companies were cash strapped, the focus was on revenue generation and selling what we had.  They gutted costly product development and engineering teams.  The thought was: Don’t worry about new product development because we may not be alive in 2-3 years if we don’t get cash today.


“To the extent they were doing searches in the past 2-3 years, the searches were on either outward looking sales & marketing types focused on making money or CFOs/Finance types focused on raising cash or slowing the bleed. Today, as the future looks brighter and companies realize that their products are dated, they need to hire engineering leads and product development types, which they were laying off over the past 2-3 years.”


So, for 2011 the future looks fairly bright. VCs are investing and companies are hiring.  A few things entrepreneurs can expect to see and look out for are the following:



  • Senior talent is getting scarce again

  • Social media works for staffing at many levels, but not at the executive level

  • Cleantech continues to march on – and more opportunities will be there for investors

  • Venture capital is emerging from a difficult stretch, but there is money for good ideas and strong teams in mobile applications, gaming and health care IT

  • Candidates want cash and equity.

  • Acquisitions will provide the bulk of exits in 2011; the IPO market isn’t here yet.


Previous Story: Computer platforms with the biggest buzz will be the biggest malware targets in 2011



Did you just promise yourself you’d write a book? Many of us make resolutions at this time of the year to finally start writing a novel or a picture book for children. If you’re one of the many, you’re probably not expecting a book deal. Rather, you’re just looking to get it written and put it out there for those who are interested in reading it.

If this is you, then a print-on-demand publisher is exactly what you’re looking for. You don’t need to spend much (or any) money upfront – all you really do is publicise your book and the buyers can get one made when they want it. Meanwhile, you could be making a small amount or a large amount in passive income and it hasn’t cost you much except your time spent writing. Sounds good?

id="more-61318">/> Choosing your print-on-demand (POD) book publisher is another thing entirely. In the end, it comes down to your needs and your particular book. For instance, some publishers are better at printing novels or photography books than others. Some will give you better royalties, while others will do a better job of helping you with promotion. To help you choose, here’s a list of four of the best online print-on-demand book publishers and a few of their key features.

1. Lulu

Lulu is one of the larger publishers and will happily cater for many types of books. You can easily publish a novel, a cookbook, or simply create a photo book for your family. They have the ability to publish and sell eBooks on your behalf and claim to have the largest distribution channels of all online publishers. Useful free services include consultations, while paid services offered include cover design, ISBN purchasing and distribution. If you choose to sell in the Lulu Marketplace without an ISBN, your upfront costs are negligible.

You can also set your profits by choosing your own royalties and Lulu makes its money by taking a small cut from your sales. Lulu pays royalties via Paypal or cheque. Read more about publishing with Lulu here.

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2. Blurb

Blurb is well known for its full colour photography-based books, however it also offers a couple of black and white text novel options. You can either use their online software to prepare a book or you can upload a pre-prepared PDF. Whichever option you choose, there’s no upfront costs.

When you sell the book, Blurb takes a small fee. Plus, you can set your own prices and thereby choose your own profit margin. Blurb offers payments through PayPal.

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3. Wordclay

Wordclay offers a basic DIY publishing service which is free for publishers. If you wish to pay a modest fee, services such as editing, ISBNs and distribution are available to you as well.

Again, you can choose your own royalty and Wordclay takes a cut from your sales. Wordclay sends US cheques.

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4. CreateSpace (aka Booksurge)

CreateSpace offers a DIY “no fees upfront” royalty-based publishing option to complement their regular publishing offers. They are actually part of the Amazon group of companies, so there’s no extra fees involved to distribute your book through Amazon. ISBNs can be obtained for free via CreateSpace.

CreateSpace also claim to offer the best royalties in the business — plus they allow you to choose your own royalty. Royalties can be paid by US cheque or to a US bank account.

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Words of Advice

When choosing your publisher, make sure you research well and ensure it’s a good fit for you before you commit your time and money or sign any agreements. Companies such as these do have the occasional unhappy customer but it’s not the norm. Here’s a few important things to look out for:

  • For non-US citizens, remember that different companies have different tax witholding requirements and that the cheque fees and your ability to deposit US cheques may de-value your earnings somewhat.
  • Having your book formally listed with an ISBN will often require you to ensure the quality of your book. This may require you to purchase a copy of your book each and every time you make a change (this can include price or directory changes). If you sign up for an ISBN, read the fine print, be prepared to purchase if required and don’t make changes to your book after this unless it’s very important.
  • No-frills DIY publishers will endeavour to make money from added extras such as cover art, editing and ISBNs. If you want to use these services, ensure you compare the prices between publishers and the cost of doing it yourself.

More about Self-Publishing and Writing

You might also like these articles on publishing and creating books:

  • How to Actually Make Money Selling eBooks
  • Become A Better Photographer with Online 365 Days Groups
  • NaNoWriMo.org – Write a Novel In 30 Days!

If you’ve written your own book and have self-published, let us know about your experiences with the publishers. Who did you choose and why? Were there any unforseen problems? Were you happy with the book quality? Let us know in the comments!


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

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Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

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The Best of 2010&#39;s Animals in the <b>News</b>

2010 produced many weird, far-out, bizarre photos of people. But let's not forget all of the animals that made headlines over the past 12 months: from a rhino cow, penguin santas and lip-syncing monkey, we offer some of the best.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

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Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

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2010 produced many weird, far-out, bizarre photos of people. But let's not forget all of the animals that made headlines over the past 12 months: from a rhino cow, penguin santas and lip-syncing monkey, we offer some of the best.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

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Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

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The Best of 2010&#39;s Animals in the <b>News</b>

2010 produced many weird, far-out, bizarre photos of people. But let's not forget all of the animals that made headlines over the past 12 months: from a rhino cow, penguin santas and lip-syncing monkey, we offer some of the best.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

Hal Boedeker of Orlando Sentinel is The TV Guy. Dishing on TV, the news and what everybody is talking about.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

The Best of 2010&#39;s Animals in the <b>News</b>

2010 produced many weird, far-out, bizarre photos of people. But let's not forget all of the animals that made headlines over the past 12 months: from a rhino cow, penguin santas and lip-syncing monkey, we offer some of the best.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

Hal Boedeker of Orlando Sentinel is The TV Guy. Dishing on TV, the news and what everybody is talking about.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

The Best of 2010&#39;s Animals in the <b>News</b>

2010 produced many weird, far-out, bizarre photos of people. But let's not forget all of the animals that made headlines over the past 12 months: from a rhino cow, penguin santas and lip-syncing monkey, we offer some of the best.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

Hal Boedeker of Orlando Sentinel is The TV Guy. Dishing on TV, the news and what everybody is talking about.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

The Best of 2010&#39;s Animals in the <b>News</b>

2010 produced many weird, far-out, bizarre photos of people. But let's not forget all of the animals that made headlines over the past 12 months: from a rhino cow, penguin santas and lip-syncing monkey, we offer some of the best.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

Hal Boedeker of Orlando Sentinel is The TV Guy. Dishing on TV, the news and what everybody is talking about.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

The Best of 2010&#39;s Animals in the <b>News</b>

2010 produced many weird, far-out, bizarre photos of people. But let's not forget all of the animals that made headlines over the past 12 months: from a rhino cow, penguin santas and lip-syncing monkey, we offer some of the best.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

Hal Boedeker of Orlando Sentinel is The TV Guy. Dishing on TV, the news and what everybody is talking about.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

The Best of 2010&#39;s Animals in the <b>News</b>

2010 produced many weird, far-out, bizarre photos of people. But let's not forget all of the animals that made headlines over the past 12 months: from a rhino cow, penguin santas and lip-syncing monkey, we offer some of the best.


bench craft company scam

Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

Hal Boedeker of Orlando Sentinel is The TV Guy. Dishing on TV, the news and what everybody is talking about.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

The Best of 2010&#39;s Animals in the <b>News</b>

2010 produced many weird, far-out, bizarre photos of people. But let's not forget all of the animals that made headlines over the past 12 months: from a rhino cow, penguin santas and lip-syncing monkey, we offer some of the best.


bench craft company scam

Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

Hal Boedeker of Orlando Sentinel is The TV Guy. Dishing on TV, the news and what everybody is talking about.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

The Best of 2010&#39;s Animals in the <b>News</b>

2010 produced many weird, far-out, bizarre photos of people. But let's not forget all of the animals that made headlines over the past 12 months: from a rhino cow, penguin santas and lip-syncing monkey, we offer some of the best.


bench craft company scam

Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

Hal Boedeker of Orlando Sentinel is The TV Guy. Dishing on TV, the news and what everybody is talking about.

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...

The Best of 2010&#39;s Animals in the <b>News</b>

2010 produced many weird, far-out, bizarre photos of people. But let's not forget all of the animals that made headlines over the past 12 months: from a rhino cow, penguin santas and lip-syncing monkey, we offer some of the best.


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Thursday, December 23, 2010

Making Money Cash



Radley Balko says that the true purpose of red light cameras is to raise money, not stop accidents:






verall collisions are up at the intersections where Clarksville has installed red light cameras (a result we've seen nearly everywhere they've been installed). The city just chooses to ignore rear-impact collisions when evaluating the cameras. Those collisions increased from 138 in 2008, to 173 in 2009, to 169 through October of this year. It's true that side-impact collisions are generally more dangerous than rear-impact collisions. But even taking that into consideration, it's a bit of a stretch to say that a decrease of eight side-impact collisions coupled with an increase of 25 rear-impact collisions shows that the cameras are preventing accidents.



His alternative:



The best approach doesn't bring in any revenue, for camera makers or city governments: Lengthening the duration yellow lights has proven to be much more effective at preventing accidents than cameras. Which of course is why several cities have been caught making intersections more dangerous by shortening yellow lights in order to generate more tickets.




For more reading, check out this week's Stock World Weekly

Weekend Reading: It’s Never Too Early to Predict the Future!

By Phil at Phil's Stock World

Barron's already has the 2011 Outlook on the Cover.  



We were discussing the generally bullish mood in Member Chat and Barfinger said "So, Phil, what is your response to the bullish preview?"   That was a great question because it made me think.  Does he expect a "rebuttal"?  I can understand that as I've been fairly bearish but let's not confuse caution (I called for a cash out when the Dow hit 11,200 in early November, it peaked at 11,444 on the 5th and closed Friday at 11,491) with bearishness - it's just that my now 45 days of running around saying "the sky is falling" while it stays in place does make me seem like a perma-bear.  


The "October Overbought Eight" was my first bearish portfolio since April 28th's "Hedging for Disaster - 5 Plays that Make 500% if the Market Falls" (and it did, and they did).  THAT was a bearish outlook!  We are not that bearish here, otherwise it would have been the easiest thing in the World to re-up those plays for the new year.  We expect a correction, but hopefully not the kind we had between May 4th and July 2nd, where the Dow dropped 1,600 points in just over 2 months.  We are HOPING for a nice 20% pullback off the 15% gain from 9,800 to 11,270 back to the 11,000 line and holding that would make us very bullish going into next year.  



That would be 1,180 on the S&P (the declining 200 dma) and just 5% down from Friday's close - THAT's how bearish I am!  Where we are now is simply where the 5% Rule told us we'd be back on May 5th, where the chart pointed out that 1,240 is 20% off the upper, non-spike consolidation at 1,550 that marked the high for the S&P.  20% is the most powerful level in the 5% Rule and that's why it's been safer to wait and see how this line resolves than place long-term bets in either direction into the slow and volatile holidays.


Obviously, I am fairly convinced that Global "leaders" are making all sorts of policy mistakes handling the economy and I do believe it will all end in disaster but that does NOT mean I am market bearish.  


Think if it this way:  If you come across a fire that is consuming a house from the inside and the firemen show up and spray water on the outside, then I will stand there and tell you that the house will still burn to the ground.  However - I will also tell you that the house is going to be soaked in water.  The two things are not mutually exclusive - just as a slow-moving economic collapse and a booming stock market are not mutually exclusive - especially if that collapse is the result of a transfer of wealth from the working class to the investing class (see the 1920s).    


So the Fed and other Central Banks can print money to paper over a Global Economic melt-down and they can funnel Trillions of Dollars into the Global Banking system that still has a multi-Trillion Dollar hole to fill (see John Mauldin's comments this weekend) and we can have the ILLUSION of a growing economy through top-down inflation.  Money is poured into the top through tax breaks to the wealthy (actually the extension of existing tax breaks that have already destabilized the economy so they now cost money but provide no new benefit), which includes Corporations who are already sitting on $2Tn in cash and not hiring - as well as the Fed injecting it directly into the banks in case the lack of taxation doesn't leave them with enough money to hide the gaping holes on their books.


This is, I believe, a tragically flawed policy as we are pouring water into a leaking pool without fixing the actual leak.  Over time, that rots the foundations until one day, it suddenly collapses catastrophically and everyone stares at the damage all surprised saying no one could have ever predicted that.  So I am pissed, I am outraged, I am fearful for our nation's future and I still believe that it will take the smallest of shoves to knock the entire global economy off the ledge it's perched on BUT THAT DOES NOT MEAN I'M BEARISH ON THE MARKETS!  


I am, at the moment, not sure that enough is being done to fill our global pool but we're getting there and, like our burning building example, in the short run - enough money is being spent to at least make us wet.  We need to invest like we're in the late 90s but, as I said earlier this year - is it mid 1998 or December 1999?


That's pretty hard to tell.  With the new Republican Congress coming in next month, we need to be careful as any real attempt at austerity in the US may have global repercussions.  Right now, we are doing China a huge favor by sending what used to be our middle class running for Wal-Mart and the Dollar Store to buy all their goods but what happens when they can't afford that anymore?  


Our last bullish portfolio was October 23rd's fairly conservative "Defending Your Portfolio With Dividends" and that's a good one to read as we talk about the benefits of a long-term, conservative investing strategy.  I'm sorry it's not "sexy" but this is a dangerous environment to be placing directional bets in, as we can see from the very mixed performance in our very aggressive $10,000 to $50,000 Portfolio over the past 3 weeks.  The premise there is that we stand a far better chance of making big gains to the downside than the upside but we're getting pummeled in our bearish bets as the market grinds up against upside resistance.  If we do punch through, then great and we can start playing more bullish but not until.  Dow 11,500 should not be too much ask for as a show of good faith from a true bull market, right?


Clearly the Barron's article is very bullish, CNBC and Cramer are very bullish and even the blogoshphere, as polled by Bespoke, is very bullish (see chart). Everyone thinks rates will rise but not so much gold yet the dollar will be stronger while oil goes up anyway and home prices recover and China goes to the moon. Sounds like fun to me - is it any wonder I refuse to participate in these silly things?  


I shouldn't say that because our new newsletter is going to be mass-marketed and they are going to want me to do this sort of thing for "exposure".  Anyway, the bullish premise I feel most comfortable with is the inflationary one.  There is simply more money floating around and that leads to a weaker dollar with higher rates (so bonds go down) but gold goes up and it's oil that flat-lines (other than compensating for the weak dollar) because people simply can't afford it and buy as little as they can.  Higher rates depress home prices in the US, keeping pressure on banks to hoard cash and China is forced to go on an global buying spree to keep the Yuan in check - something they've already been doing with commodities.  By the end of the year, China will begin to run out of cash as they spend another $1Tn to keep things going (just $769 per citizen).  


I'd be gung-ho bullish now if I wasn't worried the Euro will collapse as that is the fly in the ointment.  If the Euro falls apart then the dollar rises quickly and China may lose control of the Yuan peg (they don't want it going up vs. Euros or Yen) and, of course, commodities will drop fast and trigger a market sell-off, which will hold housing prices down despite what should be lower rates.  We already know it is all about the dollar and, as you can see from this chart - we're pretty low at the moment with the S&P, Gold and Oil up about 10% on a 3.5% down dollar (UUP is a 2x ETF) - so my bearish caution flag lasts until Europe stabilizes, once again making the US Dollar clearly the worst currency to invest in:


 


I know it is very tedious waiting for a solid investing signal but, as we learned from our very small commitment in the $1050P, it's just as tedious to put your money on the wrong side of a bet.  If you read the notes from other bloggers about their best and worst calls of 2010 - they are individual stocks.  My best calls for the year are calling the entire market at a top in April and at a bottom in July, if you get that right, the individual picks sort of take care of themselves!  At the moment, my worst call may be calling a top too early in early November.  As you know however, we pick dozens of individual plays in both directions every week so this isn't about that - We have our "5 Trades to Make 5,000%" on a breakout from last weekend and, while we made a lot of short-term bearish bets this week, we also had long ideas (mostly hedged) on HMY, XLF, CAKE (Monday), TNA, IWM (Tuesday), CCJ, CHK, EXC, TNA, XLF (Wednesday), UNG, GLD, AAPL (Thursday), GLW, TOT and AXP on Friday.  


Actually, the bullish picks outnumbered the bearish picks 2:1 last week BECAUSE we were testing our breakout levels and needed to beef up the bull side.  It's OK to take a walk over to the edge of the cliff with our positions as long as we KNOW there's a cliff and we are comfortable in our ability to pull back from it before getting dragged off the side.  That's where we are now, at that point of "maximum uncertainty," when things could move in either direction.  


Clearly from the S&P chart above, we are either in the bottom of a huge breakout channel or the top of a rollover and, as you can see from the chart on the right - fools rush in where professionals tread lightly.  Overall, it's more fun to be a fool, Motley or otherwise, but this is a site that's about investing, not gambling and we are waiting for a confirming signal before making any serious commitment.  We're already in the right place - we just have to wait PATIENTLY for the right time.  


We are able to take bullish positions as we already have downside hedges (our failed attempts at making bearish profits) and, we don't really expect a massive sell-off (but it is still a concern).  If we don't fail by Tuesday, I expect us to drift into the New Year and, over the next two weeks, we'll get a little more deeply into the big picture stuff that is likely to move us in 2011 but, sadly, politics may have something to do with what happens to the stock market so cover your eyes and ears if that sort of thing worries you!  


For now, we have two weeks of very light trading and it's been a fairly uneventful weekend so no reason for us not to test 11,500 on the Dow yet again on Monday.  Whether we actually hold it or not - that's the Million Dollar question!  

 

 


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<b>News</b> Conference by The President | The White House

News Conference by The President. South Court Auditorium, Eisenhower Executive Office Building. 4:16 P.M. EST. THE PRESIDENT: Hello, everybody. Good afternoon. I know everybody is itching to get out of here and spend some time with ...

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<b>News</b> Conference by The President | The White House

News Conference by The President. South Court Auditorium, Eisenhower Executive Office Building. 4:16 P.M. EST. THE PRESIDENT: Hello, everybody. Good afternoon. I know everybody is itching to get out of here and spend some time with ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

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<b>News</b> Conference by The President | The White House

News Conference by The President. South Court Auditorium, Eisenhower Executive Office Building. 4:16 P.M. EST. THE PRESIDENT: Hello, everybody. Good afternoon. I know everybody is itching to get out of here and spend some time with ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

How important is social media to your small business? Social media is no longer a little subject. It may be one of the most important forms of marketing and.


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<b>News</b> Conference by The President | The White House

News Conference by The President. South Court Auditorium, Eisenhower Executive Office Building. 4:16 P.M. EST. THE PRESIDENT: Hello, everybody. Good afternoon. I know everybody is itching to get out of here and spend some time with ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

How important is social media to your small business? Social media is no longer a little subject. It may be one of the most important forms of marketing and.


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<b>News</b> Conference by The President | The White House

News Conference by The President. South Court Auditorium, Eisenhower Executive Office Building. 4:16 P.M. EST. THE PRESIDENT: Hello, everybody. Good afternoon. I know everybody is itching to get out of here and spend some time with ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

How important is social media to your small business? Social media is no longer a little subject. It may be one of the most important forms of marketing and.


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<b>News</b> Conference by The President | The White House

News Conference by The President. South Court Auditorium, Eisenhower Executive Office Building. 4:16 P.M. EST. THE PRESIDENT: Hello, everybody. Good afternoon. I know everybody is itching to get out of here and spend some time with ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

How important is social media to your small business? Social media is no longer a little subject. It may be one of the most important forms of marketing and.


bench craft company scam

<b>News</b> Conference by The President | The White House

News Conference by The President. South Court Auditorium, Eisenhower Executive Office Building. 4:16 P.M. EST. THE PRESIDENT: Hello, everybody. Good afternoon. I know everybody is itching to get out of here and spend some time with ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

How important is social media to your small business? Social media is no longer a little subject. It may be one of the most important forms of marketing and.


bench craft company scam

<b>News</b> Conference by The President | The White House

News Conference by The President. South Court Auditorium, Eisenhower Executive Office Building. 4:16 P.M. EST. THE PRESIDENT: Hello, everybody. Good afternoon. I know everybody is itching to get out of here and spend some time with ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

How important is social media to your small business? Social media is no longer a little subject. It may be one of the most important forms of marketing and.


bench craft company scam

<b>News</b> Conference by The President | The White House

News Conference by The President. South Court Auditorium, Eisenhower Executive Office Building. 4:16 P.M. EST. THE PRESIDENT: Hello, everybody. Good afternoon. I know everybody is itching to get out of here and spend some time with ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

How important is social media to your small business? Social media is no longer a little subject. It may be one of the most important forms of marketing and.


bench craft company scam

<b>News</b> Conference by The President | The White House

News Conference by The President. South Court Auditorium, Eisenhower Executive Office Building. 4:16 P.M. EST. THE PRESIDENT: Hello, everybody. Good afternoon. I know everybody is itching to get out of here and spend some time with ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

How important is social media to your small business? Social media is no longer a little subject. It may be one of the most important forms of marketing and.


bench craft company scam

Wednesday, December 22, 2010

Making Money Opportunities


Embracing New Opportunities Is Being Defeatist?

from the please-explain dept

A few months back a columnist for the Guardian, Helienne Lindvall wrote a laughably confused argument claiming that people who explained how "free" was an important element of a business model should not be trusted because they also made money. That made no sense, and lots of people explained why. She also got an awful lot of the basic facts wrong.



Lindvall is back, and rather than admitting her mistakes, she tries again, but comes across as even more confused and factually-challenged. The majority of the piece is about setting up more strawmen to knock over, with the two key ones being (1) that supporters of embracing new business models are "defeatist" because they suggest that file sharing cannot be stopped and (2) that while record labels may have ripped off musicians in the past, the companies ripping off musicians today are the "web 2.0" companies that are making money on content -- such as Google, Flickr and others.



Neither argument makes much sense when held up to any scrutiny. Lindvall seems to make the same mistake she made in her first piece (for which, I do not believe she has yet apologized). She takes a tiny part of an argument that someone has made, and pretends it's the entire argument. Just like she claimed that those who embrace free as a part of their business model are somehow being hypocritical in making money elsewhere, she now claims that people's entire argument is based on a tiny sliver of their argument, and ignores the important part.



The problem with her first strawman is that people aren't saying be "defeatist," and just accept that file sharing is file sharing and give up. They're saying that if file sharing isn't going away, and (here's the part she misses) you can use that to your advantage to make more money, why bother worrying about file sharing as being some sort of evil? The second strawman is a bit more nefarious, but goes back to the fallacy that web 2.0 sites are some sort of digital sharecropping, with the users "giving up everything," and the content creators getting nothing. That, of course, is hogwash. The reason people use these services is that they get something in return. What people like Lindvall forget or ignore is that in the days before YouTube, if you wanted to post your own video, you had to (a) buy expensive media serving software from the likes of Real Networks (b) install the crappy software and maintain it (c) host the files yourself, costing you server space (d) stream or download the files yourself, costing bandwidth. Then YouTube came along and made all of that both easy and free -- and you still want to complain that they're ripping you off? Seriously?



Fine: let's make a deal. For any project that Helienne Lindvall is involved in, she cannot make use of these tools which offer free services. Instead, she must set up the technology on her own server, and host and pay for all of it herself. Otherwise, she's just supporting the digital sharecroppers, right?



There are a few other whoppers in the article as well, such as this one:


Doctorow pointed out that numerous authors give away their work, while earning good money on the lecture circuit. I don't doubt that this model works for some authors, but there are fundamental differences between books and music.



Producing a record -- as opposed to writing most books -- tends to be a team effort involving a producer (sometimes several of them) and songwriters who are not part of the act, studio engineers and a whole host of people who don't earn money from merchandise and touring -- people who no one would pay to make personal appearances.

I love the "but we're different!" argument, because it comes up in every industry. I was just in Hollywood, where I explained how musicians were actually making use of these models and someone got upset and said "but we're the movie industry, and we're different!" Earlier this year, I met with a publisher, who also was looking at these models, and again exclaimed that "but book publishing is different!" Everyone wants to believe they're different, but everyone faces the same basic economics. Also, I'd imagine that my friends in the publishing industry would be pretty upset with Lindvall's false claim that a book is not a team effort. You have publishers and editors and agents, all of whom often take on quite similar roles to producers and songwriters and engineers.



That said, the really ridiculous part of her complaint here is that the same people she complains don't earn money from merchandise or touring also don't earn money from record sale royalties for the most part. There are some exceptions, but most of them are paid a flat-fee for their work, and that doesn't change either way under the new models, so her complaint here doesn't make sense. If a content creator can make money giving away some works for free, they can still afford to pay the fees for those who help out. The entire argument that an engineer "doesn't tour" is specious. The engineer doesn't make money from CD sales either.



Finally. Lindvall must be the first person to describe Jaron Lanier as an optimist, since he came out with his incredibly pessimistic book about how the internet was destroying everything good and holy in the world.



33 Comments | Leave a Comment..




Andrew Exum outlines "five concrete ways in which policy makers, legislators and intelligence officials in Washington, DC can help the war effort in Afghanistan." His first one is "cut funding for the war":






This may seem a bit counterintuitive, to say the least. But right now, the massive amount of money flowing into Kabul is fueling the conflict. In a bizarre way, both the Taliban and the Afghan government currently have an interest in perpetuating this conflict: Both parties are making millions of dollars from the aid and development money saturating the country. These funds are distorting incentives and presenting ample opportunities for kickbacks, bribes, and other forms of corruption. It is little wonder Transparency International rates Afghanistan the world's third most corrupt nation.


The United States and its allies should only spend the money in Afghanistan they can properly manage and oversee.





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Small Business <b>News</b>: Small Businesses Are Top Priority

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shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...


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Small Business <b>News</b>: Small Businesses Are Top Priority

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shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...


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Small Business <b>News</b>: Small Businesses Are Top Priority

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Obama <b>news</b> conference: liveblog – CNN Political Ticker - CNN.com Blogs

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Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...


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Small Business <b>News</b>: Small Businesses Are Top Priority

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Obama <b>news</b> conference: liveblog – CNN Political Ticker - CNN.com Blogs

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Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...


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Small Business <b>News</b>: Small Businesses Are Top Priority

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Obama <b>news</b> conference: liveblog – CNN Political Ticker - CNN.com Blogs

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Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...


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Small Business <b>News</b>: Small Businesses Are Top Priority

Small businesses are top priority and enthusiasm runs high for their prospects in an economy still reeling from downturns. But what small businesses need to.

Obama <b>news</b> conference: liveblog – CNN Political Ticker - CNN.com Blogs

Washington (CNN) -- President Barack Obama held a news conference Wednesday to discuss the lame duck session of Congress and plans for the upcoming year.

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...


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Small Business <b>News</b>: Small Businesses Are Top Priority

Small businesses are top priority and enthusiasm runs high for their prospects in an economy still reeling from downturns. But what small businesses need to.

Obama <b>news</b> conference: liveblog – CNN Political Ticker - CNN.com Blogs

Washington (CNN) -- President Barack Obama held a news conference Wednesday to discuss the lame duck session of Congress and plans for the upcoming year.

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...


bench craft company scam

Small Business <b>News</b>: Small Businesses Are Top Priority

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Obama <b>news</b> conference: liveblog – CNN Political Ticker - CNN.com Blogs

Washington (CNN) -- President Barack Obama held a news conference Wednesday to discuss the lame duck session of Congress and plans for the upcoming year.

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...


bench craft company scam

Small Business <b>News</b>: Small Businesses Are Top Priority

Small businesses are top priority and enthusiasm runs high for their prospects in an economy still reeling from downturns. But what small businesses need to.

Obama <b>news</b> conference: liveblog – CNN Political Ticker - CNN.com Blogs

Washington (CNN) -- President Barack Obama held a news conference Wednesday to discuss the lame duck session of Congress and plans for the upcoming year.

Fox <b>News</b> Dubs Elie Wiesel &#39;Holocaust Winner&#39;

shitlox news........are we morons........you decide? right wingnut garbage...delivered in a carnival barker style ! Reply. 5. 6. Flag as Offensive. Seems fair on Dec 22, 2:03 PM said: Since it never happened. Who cares? ...


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Thursday, December 9, 2010

foreclosure sales





17 Responses to “Google Map Foreclosure Tricks”







  1. Bruman Says:



    December 9th, 2010 at 7:11 am

    Wow! This is really clever! I tip my hat to your creativity (or ChartPorn’s).


    The only real issue is that it’s hard to get a sense of what are “normal” rates of spotty google maps. Sure, it looks like a lot, and all the news flow suggests that it is a lot, but what would it have looked like in 2004? I suspect that it would still be surprisingly spotty, even if it’s not quite like this.


    I suppose one can look at the national foreclosure rate and try to “thin out” the dots based on how the present foreclosure rates compare with past ones. And yet, there is likely a spatial correlation between foreclosure rates and foreclosure locations that mean it’s not quite as simple as that.








  2. gd Says:



    December 9th, 2010 at 7:34 am

    Miami Beach may be busy, but a quick look at wealthy areas outside Boston (Concord, Carlisle, Wayland, Weston) shows pretty clean. Even some Boomer/McMansion suburbs like Westford are fairly free, and the few there seem to be where I know some oldtime neighborhoods are, e.g. boarding houses converted to apartments around long-gone mill villages. The spots having cruddy condo conversion apartment buildings in good school districts (Acton) are clustered largely on those buildings. It’s not all 100%, but a clearer trend than I would have expected with a few minutes inspection. If I was a budding sociologist or economist, I’d have a lifetime of work on wealth distribution mapped out. There’ll be blood in the streets if the tea party rank and file ever figure out what’s really going on.








  3. Hot Links: Christmas 1992 The Reformed Broker Says:



    December 9th, 2010 at 8:00 am

    You'll be blown away by the Google Maps view of Foreclosureland.  (TBP)








  4. Transor Z Says:



    December 9th, 2010 at 8:12 am

    The way it usually works here in Mass. is that, if you go to a foreclosure auction to buy RRE, it typically takes place right in front of the property. The bank’s rep usually starts the bidding at the outstanding mortgage balance plus $1. You have to do your homework to find places (a) you’re genuinely interested in buying and (b) that aren’t so underwater as to make it worth your while to bid. Note that there will probably be other potential buyers there with the same thought, a number of whom are experienced hands on the foreclosure purchase trail.


    So the bank normally ends up buying back the property and hiring a custodial service to look after the place/make basic repairs while they hold onto it. The opportunity for good deals (at least here in Mass.) tends to be when the house then goes on the market as a REO. At that point, like any other seller, the bank has to adjust asking price until they start to get nibbles.








  5. rktbrkr Says:



    December 9th, 2010 at 8:13 am

    The foreclosure dots are going to be heavy in areas where there were a lot of turnovers during the bubble years of peak prices, a big gated community in S FL that was sold out in the 2002-2007 timespan is going to be a sea of red.REO sales are largely corked up now but there will be a deluge soon, especially as the banks feel a squeeze on their cash flows – sort of a twisted version of a land rush


    sorry for the double post, funny how Bernanke twists his description to suit his purposes, yes we have no bananas…yes we are not printing currency we are increasing the money supply which is effectively printing currency but no we are not literally printing currency – and you can trust us to know exactly when to reverse our policy of not actually printing currency…








  6. Lee Adler Says:



    December 9th, 2010 at 8:48 am

    The New York Fed’s interactive mortgage and credit maps are fun.

    http://data.newyorkfed.org/creditconditionsmap/








  7. Mark E Hoffer Says:



    December 9th, 2010 at 8:55 am

    this is a nice example of ‘Data Analytics’..


    hybrid these results with what this Co. (as ex.) http://www.asterdata.com/ does..


    LSS: this, the GOOG Maps Mash-up is, in more ways than one, just, the ’30,000 ft.-view’.


    If you thought robo signing was bad, you ain’t seen nothin’ yet.


    The website 4ClosureFraud presents the gory details of a potential major new front in the foreclosure mess. A Pennsylvania foreclosure mill, Goldbeck McCafferty & McKeever, is accused by Patrick Loughren of allowing non-attorneys to file and prosecute foreclosures. A DailyFinance story gives the overview:


    Two Pennsylvania cases, one state and one federal, have exposed new types of document problems in foreclosure cases. One of the cases has potentially transformative consequences for thousands of troubled Pennsylvania homeowners. At the center of each is the same law firm: Goldbeck McCafferty & McKeever (GMM)…


    As long as a lawyer supervises foreclosure filings, and at least reads them before they’re submitted to the court, that is acceptable. But Loughren is suing because all three named partners of GMM, Joseph Goldbeck, Gary McCafferty and Michael McKeever, have admitted under oath — during depositions last September and in a separate case in December 2009 — that no attorney ever read the filings. The partners made clear that the practice has gone on for the past several years.


    If Loughren prevails, this case will prove to be vastly more significant than robo-signing.


    Robo signing, while a fraud on the court, does not necessarily invalidate the underlying legal action. Even a punitive judge is far more likely to take action against the lawyers involved in the robo signing or to reject the new corrected affidavits and require them to restart the foreclosure action afresh than dismiss the case with prejudice. Only if the affidavits or other documents were submitted in error would it inevitably disrupt the foreclosure, and in those cases, it OUGHT to present a problem to the party trying to foreclose.


    The practice of law by non-lawyers is a far more serious matter. In Pennsylvania it is a crime. In the case against GMM and its apparently unsupervised paralegals, the plaintiff is seeking disgorgement of falsely billed “attorney’s fees”.


    But even more important, the lack of attorney involvement would render the foreclosures void. Pennsylvania courts have found “proceedings commenced by persons unauthorized to practice law are a nullity”. Federal courts interpreting Pennsylvania law have supported this point of view.


    If Loughren succeeds, the ramifications would be wideranging. For GMM foreclosures, it would cloud the title of the properties sold. The parties who lost their homes could seek recourse. It is unlikely they could reverse the foreclosures. As Bob Lawless noted at Credit Slips:


    The law, however, strongly protects the finality of past foreclosure sales.


    At first, these rules might seem unfair. Why should the law protect old court proceedings that have been tainted by mistake or, even worse, fraud? The answer, of course, is for the instrumental reason that a court system could not operate where every old judgment was open to attack. Losing parties will almost always feel the judge make a mistake or the opposing party misled the court through half-truths or outright lies. Before a court enters final judgment, procedural rules and court appeals are designed to maximize the possibility the truth will win out and to minimize the possibility of judicial error. The law imposes a very heavy burden on those seeking to attack final court judgments.


    The same ideas strongly protect the finality of a court’s foreclosure judgment. The foreclosure judgment, however, is only an interim step to the ultimate disposition of the property at the foreclosure sale and the transfer of the deed. Now, third party rights will come into play, and the need for finality becomes even stronger. If foreclosure deeds were subject to attack, at worse we might have no bidders at the sale, and at best we would have drastically lower prices. Even if the successful purchaser at the foreclosure sale is the lender, it will be selling later to a third party, and we will have the same need for finality.


    For these reasons, and not surprisingly, most every (or maybe even every–I’ll let someone else do the 50-state survey) state provides the strongest possible finality protections for deeds obtained through foreclosure sales.


    But that does not mean the borrowers do not have other avenues. The logical targets are the foreclosure mills, and perhaps most important, the servicers and trustees. And per the lawsuit:


    Plaintiff avers, on information and belief, that the “clients” of the non-lawyers – consisting of banks, loan servicers, REMIC trusts, and other creditors – are all aware that the non-lawyers are engaged in the unauthorized practice of law. The individuals employed at the entities (i.e., at the “clients”) all interact with the Non-Lawyer-Defendants on a day-to-day basis via e-mail and phone and they are aware that the Non-Lawyers are responsile for preparing, signing and filing these foreclosure cases and that the cases are being filed without attorney review.


    Proving that the clients knew the paralegals were not supervised might be a stretch, but I suspect that the charge is accurate, particularly since as 4ClosureFraud points out, Bank of America was involved in a case where GMM staff admitted to the lack of attorney supervision and did nothing:


    Loughren notes that in both cases involving the partners’ testimony about the practice, Bank of America (BAC) was the foreclosing bank. It was actually present during the December 2009 trial when the admissions were first made. Loughren points out that BofA’s representative at that trial, John Smith, is himself a lawyer, and so presumably understood the legal significance of GMM’s admission.


    Other BofA employees surely learned about the practice too, given that the December case was an effort by the U.S. Bankruptcy Trustee to sanction both the bank and GMM for misconduct, and evidence submitted for it showed the involvement of “high-ranking” BofA people not normally involved in a foreclosure, such as its assistant general counsel.


    So why is this such a big deal? Non-lawyers practicing law is impermissible in other states.


    Most foreclosure mills are run on the same template: impossibly high staff to attorney ratios, 90 or 100 to every attorney. The ratios alone make meaningful supervision impossible. And this high leverage wasn’t due solely to partner greed. Some foreclosure mills, contrary to the laws of many states, had private equity funds as investors. And other foreclosure mills were keen to secure PE monies. So most industry incumbents had the same profile: an extraordinarily high staff to partner ratio, with standardized processes to maximize profits.


    As a result, just as with the robo signers, it appears likely that documents were signed improperly. Matt Weidner has examples of signatures from an Ohio law firm by attorney Edward M. Kochalski that are so different that it is pretty implausible that one person signed them all. But here, the ramifications are far more serious.


    The Loughren complaint looks solid and has detailed factual allegations.


    Patrick J Loughren Complaint in Equity on Non-Attorneys Filing and Prosecuting Foreclosures


    So where have the state bar associations been? It’s appalling that there have been no sanctions or disbarments over the robo signing scandal. We need to see some lawyers lose their licenses, or better yet, their freedom. Otherwise, it will be clear that the legal profession is siding with its meal tickets rather than the rule of law.



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    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


    bench craft company scam

    Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

    Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

    Fox <b>News</b> “scandal”: They called the public option the “government <b>...</b>

    On Oct. 27, the day after Senate Democrats introduced a bill with a public insurance option from which states could opt out, Bill Sammon, a Fox News vice president and Washington managing editor, sent the staff a memo. ...

    Small Business <b>News</b>: Changing The World With Entrepreneurship

    Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.