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Republican bigwigs vote for a new party chairman Friday. With Michael Steele on the ropes, who’s likely to emerge as top dog? The Daily Beast previews the contenders. Plus, what black Republicans think about Steele.

Republican National Committee members are gathering in Michael Steele’s backyard Friday afternoon, hunkering down in a Maryland hotel to decide the fate of the controversial RNC leader. But the former Maryland lieutenant governor has little reason to feel comfortable, even with the home cooking.

Clockwise, from top left: Maria Cino, Saul Anuzis, Ann Wagner, and Reince Priebus.

According to early vote counts, Steele is on his way out the door. During his two years at the helm of the GOP fundraising machine, the 52-year-old sometime lawyer has been criticized by party elders for turning the RNC into a den of debt and delinquency. Remember that whole West Hollywood sex club fiasco?

Well, the 168 RNC members voting today certainly do. Here are the leading candidates to replace Steele. All are party insiders with deep experience in Republican organizing.

Reince Priebus
Reince Priebus, the Wisconsin Republican Party chairman, likely presents the strongest inside challenge to Steele. In December, Priebus resigned from his position as top legal counsel at the RNC to take a run at Steele. For some, the biggest knock on Priebus is his relationship to Mississippi Gov. Haley Barbour and his political operative nephew Henry. Some critics, like right-wing blogger Dan Riehl, see Priebus as a mere stalking horse for Barbour’s presidential pretensions. Also joining Team Priebus is Republican big brain Paul Ryan, who was making calls for the candidate this week. Priebus also has the support of newly elected Wisconsin Sen. Ron Johnson, whose victory over liberal lion Russ Feingold in November was a highlight for the GOP.

Ann Wagner
Ann Wagner jumped into the RNC race early. If she can pull out a victory (or rival Maria Cino), she’ll be the first woman elected to head the RNC. As chairwoman of the Missouri Republican Party, she is credited with turning the state legislature from blue to red, winning statewide races and crucial votes for George W. Bush in 2000 and 2004. Coming off those victories, she became the RNC co-chairwoman before Bush appointed her to be ambassador to Luxembourg. In an interview with The Daily Beast Wagner gave a not-so-subtle dig to the chairman she hopes to replace and explained why she'll be better at raising money, "It's not just restoring a certain level of credibility in being good stewards of our donors' investments," she said, "but frankly just going out and making the ask." Wagner is still fighting an uphill battle. She’s got an ally in fellow Missourian, former U.S. Attorney General John Ashcroft.

Maria Cino
Maria Cino, a lobbyist for the pharmaceutical industry and a former Bush administration official, is hoping to ride a number of prominent endorsements to victory in the RNC race. She honed her election skills as political director of Bush's 2000 campaign and later became deputy chair of the RNC, also tasked with political operations. Her work has brought her some powerful friends over the years—she has the backing of former Vice President Dick Cheney and recently scored a coveted endorsement from Speaker of the House John Boehner. It's unclear how much influence outside backing has on the more insular RNC, however. “Cino’s establishment cred could cut both ways,” Politico's Chris Frates wrote after she announced. “As a GOP insider and Pfizer lobbyist, Cino will likely take heat from the Tea Party wing of the party.

Saul Anuzis
Saul Anuzis is no stranger to the RNC race, having lost to Michael Steele in 2009. The former chairman of the Michigan Republican Party remains a GOP heavyweight and is popular with the conservative grassroots. Anuzis has pledged to rededicate the RNC to fundraising, where it's seen an exodus of major donors under Steele. "I think that overall my message is that different circumstances and different challenges require a different chairman," Anuzis told The Daily Beast in a recent interview. "In the last cycle we were looking for a national spokesperson, somebody to be the face and voice of the party, but this cycle we need someone to make the trains run on time and get the money to implement our ground game." Anuzis is still considered an underdog in the race, if a formidable one.

Like The Daily Beast on Facebook and follow us on Twitter for updates all day long.

For inquiries, please contact The Daily Beast at editorial@thedailybeast.com.

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Back in December, we spotted an SEC filing indicating that Union Square Ventures was raising between $135 million and $200 million for a new “Opportunity Fund.” The offering wasn’t complete and the firm could not discuss it, but today partner Fred Wilson explains in a post what the new fund (which ended up being a $165 million fund) is all about.

The fund is not about going after different opportunities than Union Square has been focussed on since the outset. It is that the size of the opportunity Union Square is focussed on—which Wilson describes “Internet services that create large networks”—is larger than ever. And the new fund will provide more dry powder to invest in network startups, whether they need $25,000 or $25 million. Wilson explains:

Since 2004, the opportunity to invest in networks has evolved. In 2004 the entire market capitalization of the social media sector was probably less than $100M. Today a single company in that sector is valued at over $50B. The amount of venture capital focused on the sector has exploded. Networks that did not exist in 2004 now consume a huge chunk of users’ time and attention, making the launch of new networks more challenging. The opportunity to invest in networks has changed, and once again we are changing with it.

Union Square is an investor in Twitter, Zynga, Tumblr, Foursquare, and Disqus—all of which fit under the network thesis. As these companies grow and command higher valuations in private rounds (Union Square sat out Twitter’s latest $200 million round), the Opportunity Fund will allow Union Square to keep participating. It will also be tapped to invest in companies in later rounds (something Union Square has shied away from so far, they like to be first) and other special situations such as spin-offs. Interestingly, Union Square is not committing to invest all the money raised. Maybe they should have called it the Dry Powder Fund instead.

Bump Technologies makes an app that lets people bump their phones together to exchange things like business cards, photos and even money.

On Tuesday, Bump will announce that it has raised $16.5 million in venture capital. The firm Andreessen Horowitz is Bump’s newest investor, and its previous investors, including Sequoia Capital and Ron Conway, also contributed.

Bump started in 2008 as a way for people to exchange contact information without trading old-fashioned paper business cards. But in its newest incarnation, the start-up wants to become a mobile social network for exchanging photos and messages with family and friends.

Now, in addition to contact information, people with iPhones or Android phones can share photos, music, calendar appointments and location, and can also become friends on social networks and send messages to one another. Other apps also use the technology. PayPal, for instance, lets people exchange money by bumping their phones, and two apps trade sexual compatibility information.

The company is changing direction because people started using Bump more for social interactions than business ones, said two of its founders, David Lieb and Jake Mintz. For example, each day people now share about 40,000 contacts but almost a million photos.

“Bump just opens up a whole new landscape of social interactions and interpersonal functions and uses and photo-sharing and transactions, all based on physical proximity,” said Marc Andreessen, the Andreessen Horowitz partner who will join Bump’s board.

There are many other social networks that people already use on their phones to share photos, location and status updates, like Facebook, Foursquare and Instagram.

Bump is different, the founders said, because it enables private exchanges between two people, unlike others that are for publishing messages or photos to wider groups or the public.

“It’s a proximity-based social network, for people and things you’re actually physically interacting with,” Mr. Lieb said.

Bump is one of a group of mobile apps that give people a way to use Internet-connected cellphones to bridge the virtual and physical worlds.

That could become a way to make money, the founders said. For example, people could someday bump their phones to get information or coupons from businesses or brands. “That could be valuable to merchants,” Mr. Mintz said.

Other apps, like Shopkick, offer similar ways for businesses to reach customers. Bump is not making money yet, beyond a bit from other companies that license its technology.

Bump works by gathering several signals from phones, including location and motion detection. Those signals are sent to Bump’s servers, where Bump figures out if another phone in the same place just experienced a bump, then matches the two phones. It all takes place immediately.

Andreessen Horowitz has been busy. On Monday, the firm also announced that it invested in Groupon’s $950 million round of fund-raising. The firm invests in very small Web companies and very big ones, and the Bump and Groupon investments exemplify both ends of the spectrum.

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All the US government was interested in, Erekat went on, was "PR, quick news, and we're cost free", ending up with the appeal: "What good am I if I'm the joke of my wife, if I'm so weak?" | Facebook | Reddit | Digg | StumbleUpon ...

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All the US government was interested in, Erekat went on, was "PR, quick news, and we're cost free", ending up with the appeal: "What good am I if I'm the joke of my wife, if I'm so weak?" | Facebook | Reddit | Digg | StumbleUpon ...

Last Night&#39;s Party: Club Monaco Courts Cool Kids With the Help of <b>...</b>

Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...

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A tetralogy of science <b>news</b>

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AMERICAblog <b>News</b>: WikiLeaks: Middle East peace process exposes <b>...</b>

All the US government was interested in, Erekat went on, was "PR, quick news, and we're cost free", ending up with the appeal: "What good am I if I'm the joke of my wife, if I'm so weak?" | Facebook | Reddit | Digg | StumbleUpon ...

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Streetwalker � Would You Rather? Would You Wear � Your Bag � Careers � Internships � Jobs � People/Parties � People We Like � Parties � Shopping � Retail � Sales � Glossary. Posted in: Campaigns, News, People & Parties ...

Making Money Through

Bill Koch: The Dirty Money Behind Cape Wind Opposition

Our report, “Koch Industries: Secretly Funding the Climate Denial Machine,” exposed Charles and David Koch, the billionaire oilmen who control Koch Industries, as a chief source of funding for the climate denial machine. As it turns out, doing everything possible to delay the clean energy revolution is something of a family business. We’ve released a dossier on Bill Koch, David’s twin brother and the principal funder of opposition to Cape Wind, the project to build the nation’s largest wind farm off the coast of Massachusetts.

Bill Koch made his fortune through his privately-held, carbon-intensive company, Oxbow. (Koch founded Oxbow with the fortune he received from suing his brothers in 1983 after they ousted him from the family business.) Oxbow Corporation, with $3.7 billion in yearly sales and over 1200 employees, sells 10 million metric tons of petroleum coke and 8 million metric tons of steam coal annually.

After making a killing peddling dirty energy, Bill Koch turns around and uses his immense personal wealth to fund the Alliance to Protect Nantucket Sound, the primary group that finds every possible way to delay Cape Wind from moving forward. Even worse, he pays lobbyists through his Oxbow corporation to try and quietly kill the wind farm project altogether.

We compiled the full story behind Bill Koch into a brief dossier which you can read below or download by right-clicking here: Bill Koch: The Dirty Money Behind Cape Wind Opposition.

See also “New Yorker exposes Koch brothers along with their greenwashing and whitewashing Smithsonian exhibit” and “From promoting acid rain to climate denial — over 20 years of David Koch’s polluter front groups“).

Glacier melt in Peru becomes more than a climate issue

HUARAZ, Peru – Glacier melt hasn’t caused a national crisis in Peru, yet. But high in the Andes, rising temperatures and changes in water supply over the last 40 years have decimated crops, killed fish stocks and forced villages to question how they will survive for another generation.

Without international help to build reservoirs and dams and improve irrigation, the South American nation could become a case study in how climate change can destabilize a strategically important region, according to Peruvian, U.S. and other officials.

“Think what it would be like if the Andes glaciers were gone and we had millions and millions of hungry and thirsty Southern neighbors,” said former CIA Director R. James Woolsey.

Peru is home to 70 percent of the world’s tropical glaciers, which are also found in Bolivia, Ecuador and Chile. Peru’s 18 mountain glaciers, including the world’s largest tropical ice mass, are critical to the region’s water sources for drinking, irrigation and electricity.

Glaciers in the South American Andes are melting faster than many scientists predicted; some climate change experts estimate entire glaciers across the Andes will disappear in 10 years due to rising global temperatures, creating instability across the globe as they melt.

See also “Another one bites the dust, literally: Bolivia’s 18,000 year-old Chacaltaya glacier is gone.”

If Peru and its allies don’t fund and create projects to conserve water, improve decrepit water infrastructure and regulate runoff from glaciers within five years, the disappearance of Andean glaciers could lead to social and economic disaster, said Alberto Hart, climate change adviser at Peru’s Ministry of Foreign Affairs.

“This will become a problem for the United States,” he said. “When you have a dysfunctional country, you have a problem for the entire region.”

The United States spent $30 million on climate change assistance in Peru in fiscal year 2010, according to documents provided by the State Department. The funding, allocated as part of the 2009 Copenhagen Accord, went mostly to preserving the Amazon rainforest in Peru.

Peruvian officials would hardly turn away money to preserve the Amazon. But the immediate problem is adaptation to rapid glacier melt, Hart said….

The Peruvian government is asking Washington and other allies for at least $350 million every year through 2030 to build reservoirs and dams, and improve irrigation, said Hart.

Japan, Australia and Switzerland also have offered assistance for climate change, Hart said. The World Bank is also working in Peru to monitor water supplies and implement drought-resistant agriculture, part of a larger climate change project that includes several Andean nations, according to Walter Vergara, a World Bank engineer who started the project in 2004.

But Peruvian officials say the United States has a majority share of the responsibility to help Peru, because of the close trade alliance between the two nations, and because the United States is the world’s second-largest emitter of greenhouse gases….

Bolivia and Ecuador are also threatened by glacier melt and Colombia’s costal and riverside cities are being wiped out by floods and landslides – disasters that are only expected to get worse, according to a study by the Pew Center on Climate Change.

Climate change is “a significant threat” to the region, and the United States must “really come to terms” with the security challenges it poses, Assistant Secretary of State for the Western Hemisphere Arturo Valenzuela said recently….

“It used to take you two or three hours walking to reach the ice. But now you have to walk five, six hours to reach ice,” said Maximo Juan Malpaso Carranza, a farmer in Utupampa, a small community high in the Cordillera Blanca.

“We all get water from there,” he said, pointing to Huascarán. “But if the ice disappears, there won’t be any more water.”

More than 2 million people, stretching from the Andes to the coastal cities, get their drinking water and irrigation from rivers fed by glacier runoff from Cordillera Blanca. But research by Cesar Portocarrero, the Peruvian government’s lead glacier scientist, shows the Cordillera Blanca has lost 30 percent of its glaciers since 1970.

Most of Peru’s agriculture is fed by water from the Andes. Glacier-fed rivers also support the nation’s largest hydroelectric plants. Lima, the world’s second-largest desert city, is almost totally dependent on Andean rivers from the Cordillera Central, where some mountains have lost more than 60 percent of their glaciers in the last 40 years.

Water conflicts have been frequent in southern Peru over the last few years, and glacier melt will create even more across the country, and, in extreme cases, spreading to neighboring countries, said retired Maj. Gen. Luis Palomino Rodriguez, head of Peru’s National Civil Defense Institute, in an interview.

The Pentagon is starting to address the impacts of climate change. It gave the Southern Command, in charge of Latin America, $600,000 to develop a mapping tool that will allow Latin America and the United States to share information about climate change risks. It is also spending $1.4 million to study the climate change effects on foreign military bases….

Peru has taken steps, but lacks resources. It created a national strategy on climate change in 2003 and has set up a Ministry of Environment with oversight of climate change programs. Officials are working with USAID and non-profit organizations to build reservoirs in Andean communities and monitor water flow from the glaciers.

“We may think that current wait-and-see policies are adequate to the task,” said Chad Briggs, Minerva Chair for Energy and Environmental Security with the U.S. Air Force. “Peru may be a looming example of how that is not the case.”

Related Post:

• Must-see video: Time-lapse proof of extreme ice loss

What made this project so successful? After all, there are other iPod Nano projects. And it's a wristwatch, which even with the addition of a Nano, might not be the coolest or most necessary of accessories.

Bryce Roberts, the Managing Director of O'Reilly AlphaTech Ventures, points to some reasons he's identified that contributed to the success of the Lunatik/TikTok fundraising endeavor. These lessons that can be seen in other successful Kickstarter projects (such as Diaspora), but they're also applicable in many ways to more "traditional" funding efforts.

Tell a personal story

The Lunatik/TikTok "pitch" wasn't a bulleted list of qualifications or clients. Rather, the members of the team "told personal stories that created a connection to the project that had nothing to do with their professional pedigree." While this sort of storytelling doesn't boost their professional credentials, Roberts argues, it does give the entrepreneurs a certain personal authority and helps to connect them to funders and potential funders in a different way.

Roberts argues that the best fundraising pitches always emphasize this personal aspect. "It's a given," he writes, "that if I chose to invest in you I believe I can make money, but there are the intangibles around personality, perspectives, and life experiences that will make a potential funder more likely to want to believe you."

Tell the product's story

If you watch the TikTok video (below), you'll see the product is featured throughout. This demonstrates what the product can do - and that it can do what the startup promises. The video also demonstrates the larger potential of the product. These might be "small, nice little features" that some investors would dismiss. But with the crowdfunding model, the right storytelling around this seems crucial. "The difference between a nano strapped to a wristband and a premium quality, highly designed, customizable piece of wearable technology is simply a matter of how you tell the story."

But even when you aren't using a site like Kickstarter to raise money, it's crucial that your product be front-and-center in your presentations.

Give rewards and issue progress reports

Investors, by definition, invest in order to make a financial return. Nonetheless, argues Roberts, you should offer more than simply the promise of "making money." These sorts of non-financial rewards can be personal and personalized. By design, Kickstarter tells its users, "the best way to inspire support is to offer people great rewards. Everyone loves limited editions, one-of-a-kinds, and fun experiences (parties, screenings, balloon rides!). Spend some time brainstorming your rewards and people will respond. No one needs another coffee mug."

And as your project and your company are constantly evolving, it's good to keep investors and potential investors up-to-date on your progress. In the case of TikTok, the creators even filmed themselves in China when they traveled to the factory where the watch kits were being made. But the same could be said for all funding relationships; keep your investors apprised of "how you're making progress and how your story is continuing to unfold in a big and important way."

Source:http://removeripoffreports.net/

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Only the banksters could get away with this:

TRUCKEE, Calif. — When Mimi Ash arrived at her mountain chalet here for a weekend ski trip, she discovered that someone had broken into the home and changed the locks....

The culprit, Ms. Ash soon learned, was not a burglar but her bank. According to a federal lawsuit filed in October by Ms. Ash, Bank of America had wrongfully foreclosed on her house and thrown out her belongings, without alerting Ms. Ash beforehand.

Ash was in the process of loan modification with Bank of America at the time. And they didn't just break in, they completely emptied the home, even taking "a wooden box, its top inscribed with the words 'Together Forever,' that contained the ashes of her late husband, Robert."

In Florida, contractors working for Chase Bank used a screwdriver to enter Debra Fischer’s house in Punta Gorda and helped themselves to a laptop, an iPod, a cordless drill, six bottles of wine and a frosty beer, left half-empty on the counter, according to assertions in a lawsuit filed in August. Ms. Fisher was facing foreclosure, but Chase had not yet obtained a court order, her lawyer says.

The break-in was discovered when a Canadian couple renting the house returned from the beach.

Turns out these and countless other Americans have become victims again. They're victims of the deficit peacocks.

WASHINGTON -- Despite mounting evidence of big banks committing serious fraud in the foreclosure process, the U.S. Senate eliminated $35 million in legal aid to homeowners trying to keep their homes.

The fund was wiped out in order to meet government spending caps advocated by Sens. Jeff Sessions (R-Ala.) and Claire McCaskill (D-Mo.), but will likely end up costing taxpayers much more in the long run, as wrongful foreclosures burn through the balance sheets of Fannie Mae and Freddie Mac. The slashing of the foreclosure-assistance fund is just one casualty of Washington's increasing bipartisan push to cut spending across the board....

Recent reports suggest severe, nationwide problems with the mortgage system. A survey of 96 attorneys found that banks started foreclosure proceedings on 2,500 borrowers who were negotiating a loan modification. The survey was conducted by the National Association of Consumer Advocates and the National Consumer Law Center.

There's no relief in sight from the administration, either. Treasury has refused to use any of the funds for the Wall Street bailout for homeowner legal aid. Much worse, the Federal Reserve is actually blocking new foreclosure regulations that would homeowners.

WASHINGTON -- Top policymakers at the Federal Reserve are fighting efforts to rein in widely reported bank abuses, sparking an inter-agency feud with the FDIC and the Treasury Department. The Fed, along with the more bank-friendly Office of the Comptroller of the Currency, is resisting moves to craft rules cracking down on banks that charge illegal fees and carry out improper foreclosures. The FDIC supports such rules, according to an FDIC official involved in the dispute.

The new regulations would rein in debt collection, loan modification and foreclosure proceedings at bank divisions called "mortgage servicers." Servicers have committed widespread fraud in the foreclosure process. While the recent robo-signing of fraudulent documents has received the most attention, consumer advocates have complained about improper fees and servicer mistakes that lead to foreclosure for years.

It's the banksters' world, and we're apparently to be considered lucky if we get to live in one of their houses, which is what they and the government consider them. It's hard to arrive at any other conclusion than dday does when it comes to the Fed, "They don’t want to stop the banks from breaking into your house." And your representatives in the Senate are fine with that.

Responding To TP Report, Huckabee Group Fires Scam Artist Who Defrauded Foreclosure Victims

On Tuesday, ThinkProgress reported that former Governor and current Fox News personality Mike Huckabee has been starring in a new health reform ad campaign run by a political consulting firm owned by a notorious scam artist. The firm Huckabee’s group had hired is 949 Media Group, a company run by Derek Oberholtzer — a notorious scam artist who ripped off foreclosure victims. Before going into political work, Oberholtzer ran a company that promised aid to people facing foreclosure. But prosecutors from Idaho and the federal government found that Oberholtzer had systematically robbed his customers by charging them with fees ranging from $595 – $1,500 without doing a thing to help them with their mortgages. Responding to ThinkProgress’s report, Huckabee colleague Ken Hoagland sent Max Brantley of the Arkansas Times a statement indicating that they will fire Oberholtzer:

Ken Hoagland, chairman of Restore America’s Voice said, “We have terminated the services of 949 Media after we saw a web report last night detailing prior complaints involving its participation in certain mortgage relief marketing activities.” Hoagland said that 949 Media was a subcontracting vendor “responsible for web consulting but was never tasked with any management or leadership role” within the growing national campaign, as originally reported. “We were unaware of the seriousness of the past issues with this vendor and we have taken immediate action to terminate the relationship. No public official working with us to repeal the healthcare act had any knowledge of nor relationship with any vendor or subcontractor,” said Hoagland.

Over the years, Huckabee has been accused of using non-profits to enrich himself and his family. Although it is unclear if Huckabee receives any monetary gains from his latest venture, it is laudable he has at least distanced himself from a scam artist like Oberholtzer.

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Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

Breaking <b>news</b>: EPA vetoes Spruce Mine permit « Coal Tattoo

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

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The theory is simple: "If you don't have the money, don't charge it. Try to leave your credit card at home and only use it to pay bills," advises April Lewis, director of education for Consolidated Credit Counseling Services. Then immediately pay off your credit-card balance. As for old credit-card debt, sit down and commit to paper a plan for paying them off. Go for a quick hit, like paying off the smallest balance first, or decide to take on the highest rate card first. Get the job done.

Here's a second tip: Be proactive about managing your credit. Call up your lender and ask it to lower your interest rate. Usually, lenders will lower callers' rates by 2% to 3%, says Scott Gamm, founder of HelpSaveMyDollars.com. Also check your credit report. You can check your credit for free at annualcreditreport.com, for example. If you see mistakes, contact the credit agencies and get those mistakes corrected. If errors are dragging down your score, eliminating them can boost it to where it belongs and make you eligible for better rates.

2. Think automation

Free online banking tools can make it easier to manage your finances with less work. To help grow your savings, for example, you can schedule regular transfers from your checking account. Manisha Thakor, author of Get Financially Naked: How to Talk Money With Your Honey, suggests setting up the transfer of a set amount of money into your savings account every pay day.

Also automate recurring bill payments so you never miss a due date or pay a late fee, which sends money down the drain. Even without late fees, timely payments are key: 35% of your credit score is based on your ability to make payments on time. If you sign up for automatic payments, however, make sure to check your monthly bills for errors. One other caveat: "Make sure you have enough cushion in your checking account to avoid any overdrafts" before setting up auto-payments, money coach Lora Sasiela says.The theory is simple: "If you don't have the money, don't charge it. Try to leave your credit card at home and only use it to pay bills," advises April Lewis, director of education for Consolidated Credit Counseling Services. Then immediately pay off your credit-card balance. As for old credit-card debt, sit down and commit to paper a plan for paying them off. Go for a quick hit, like paying off the smallest balance first, or decide to take on the highest rate card first. Get the job done.

Here's a second tip: Be proactive about managing your credit. Call up your lender and ask it to lower your interest rate. Usually, lenders will lower callers' rates by 2% to 3%, says Scott Gamm, founder of HelpSaveMyDollars.com. Also check your credit report. You can check your credit for free at annualcreditreport.com, for example. If you see mistakes, contact the credit agencies and get those mistakes corrected. If errors are dragging down your score, eliminating them can boost it to where it belongs and make you eligible for better rates.

2. Think automation

Free online banking tools can make it easier to manage your finances with less work. To help grow your savings, for example, you can schedule regular transfers from your checking account. Manisha Thakor, author of Get Financially Naked: How to Talk Money With Your Honey, suggests setting up the transfer of a set amount of money into your savings account every pay day.

Also automate recurring bill payments so you never miss a due date or pay a late fee, which sends money down the drain. Even without late fees, timely payments are key: 35% of your credit score is based on your ability to make payments on time. If you sign up for automatic payments, however, make sure to check your monthly bills for errors. One other caveat: "Make sure you have enough cushion in your checking account to avoid any overdrafts" before setting up auto-payments, money coach Lora Sasiela says.
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TaxProf Blog: 2011 Tax <b>News</b>

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News Corporation (News Corp) is the world's second-largest media conglomerate (behind The Walt Disney Company) as of 2008 and the world's third largest in entertainment as of 2009. The company's Chairman, Chief Executive. ...

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TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

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News Corporation (News Corp) is the world's second-largest media conglomerate (behind The Walt Disney Company) as of 2008 and the world's third largest in entertainment as of 2009. The company's Chairman, Chief Executive. ...

TaxProf Blog: 2011 Tax <b>News</b>

TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

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TaxProf Blog: 2011 Tax <b>News</b>

TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

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<b>News</b> Corp. Insiders Talking About Selling MySpace To Yahoo

News Corporation (News Corp) is the world's second-largest media conglomerate (behind The Walt Disney Company) as of 2008 and the world's third largest in entertainment as of 2009. The company's Chairman, Chief Executive. ...

TaxProf Blog: 2011 Tax <b>News</b>

TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

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<b>News</b> Corp. Insiders Talking About Selling MySpace To Yahoo

News Corporation (News Corp) is the world's second-largest media conglomerate (behind The Walt Disney Company) as of 2008 and the world's third largest in entertainment as of 2009. The company's Chairman, Chief Executive. ...

TaxProf Blog: 2011 Tax <b>News</b>

TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

bench craft company reviews bench craft company reviews

<b>News</b> Corp. Insiders Talking About Selling MySpace To Yahoo

News Corporation (News Corp) is the world's second-largest media conglomerate (behind The Walt Disney Company) as of 2008 and the world's third largest in entertainment as of 2009. The company's Chairman, Chief Executive. ...

TaxProf Blog: 2011 Tax <b>News</b>

TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

bench craft company reviews bench craft company reviews

<b>News</b> Corp. Insiders Talking About Selling MySpace To Yahoo

News Corporation (News Corp) is the world's second-largest media conglomerate (behind The Walt Disney Company) as of 2008 and the world's third largest in entertainment as of 2009. The company's Chairman, Chief Executive. ...

TaxProf Blog: 2011 Tax <b>News</b>

TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

bench craft company reviews bench craft company reviews

<b>News</b> Corp. Insiders Talking About Selling MySpace To Yahoo

News Corporation (News Corp) is the world's second-largest media conglomerate (behind The Walt Disney Company) as of 2008 and the world's third largest in entertainment as of 2009. The company's Chairman, Chief Executive. ...

TaxProf Blog: 2011 Tax <b>News</b>

TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."

bench craft company reviews bench craft company reviews

<b>News</b> Corp. Insiders Talking About Selling MySpace To Yahoo

News Corporation (News Corp) is the world's second-largest media conglomerate (behind The Walt Disney Company) as of 2008 and the world's third largest in entertainment as of 2009. The company's Chairman, Chief Executive. ...

TaxProf Blog: 2011 Tax <b>News</b>

TaxProf Blog provides resources, news, and information for law school tax professors. It is not affiliated with Auto Didactix LLC's TaxProf, a software-based tutorial for law students in the federal income tax course. ...

Andy Borowitz: Fox <b>News</b> Warns That Without Angry Rhetoric It Will <b>...</b>

Fox is preparing for a "worst-case scenario" in which it was pressured to air responsible statements in place of its current programming: "If it comes to that, God forbid, we'll just air 24 hours of 24."