budgeting personal finances


If you want to take control of your life, there are certain areas that require persistent tracking.  In order to track your life and make appropriate changes, you need to know what’s going on and to do that you need to track what’s going on.

Some people need to get a handle on their time (tools to track time wasted online).  Others need to better control their finances (tools for tracking expenses and budgeting).  There are also other resources that other people need to track.  These days there are tools that help in this task of tracking life’s intricacies but many of them are too complex for the needs of the everyday person.  We need something simple that we’ll actually learn and use for it to be a help.

That is why I would like to introduce you to a new start up you can use to track your life called 1DayLater.  The creators of 1DayLater originally started the project to help them track their valuable time as freelancers.  It turned out to be a tool simple enough that anyone can use and benefit from.

In my opinion a useful tool has two attributes : usability and benefit.  Let me show you how 1DayLater fits both of those attributes when it comes to tracking life.

Signing Up & Registering Is Virtually Painless!

The easier a website makes signing up and registering the better.  Obviously they should take security precautions but when they make it so complicated that you need to consult a help file or forums just to figure out how to register, they need to back off a bit.  1DayLater made the process a cinch by asking only the basics (there’s also a line for your phone number but it’s only optional).

Signing In Is A Cinch!

Once again, going with the “easier is better” philosophy, 1DayLater hits the nail on the proverbial head with the login process!  Email-password, bing!  You’re in!

Track Your Life With a Log!

Once logged in you are faced with the opportunity to begin logging your life!  To begin with, you can start logging your time by hitting the “start timer” button.  When you stop the timer, the time is automatically entered into the “value” field which can tell what kind of measurement you are trying to log.  You can also manually enter measurements into this field.  You can log measurements such as time, money and mileage.  Then you can tag the lot with a label in the “project/client” field and add the date and a note to finish off the log.  It’s all pretty straight forward.

Glance At Your Latest Activities

As you log your life, you can get a quick look at the activities you are logging.  They are sorted by date and project / client tag (which you can assign your own colors to in order to have a visual to keep them separate here and in the charts in the analysis area).  Here you also have the ability to edit the logs and delete them altogether. Very handy!

A Visual Analysis Of Your Life

There is also a nifty chart showing off time spent on different projects.  This could be key to getting an overall idea of where your time is going.  I didn’t see charts for mileage or money so I personally hope they are also incorporated too.

The Future Of 1DayLater COULD Be In Your Hands!

All I am saying is that they are a new start up and are working hard on new features!  For instance, they have released the ability to export data into a spreadsheet and are working out the bugs there.  They are also working on the ability to output to invoices and mileage claims as well as some apps.  As a new start up, they have been smart enough to offer a feedback forum to share what you would like to see them develop and a voting system to vote on other people’s ideas using Uservoice.

Right now 1DayLater is free but in the future there may be some features that will not be.

Let us know what you think about 1DayLater as a new start up.  Also, how do you track your life?

Once You Reach Your Financial Security Goals, What's Next?

Wise budgeting, spending, and saving will help you build a retirement fund and meet your other financial goals, but what happens then? Finance blog Get Rich Slowly takes a look at what to do once you've feathered your financial nest.

Photo by pfala.

At 26 years old, entrepreneur Erica Douglass found herself in the enviable position of having a surplus of cash after selling her online business. Once she established a retirement fund and paid off debt, Douglass had to figure out what to do with the income that continued to roll in from her new business venture.

Rather than blow tons of cash on impulsive purchases just because she can, Douglass limits most spending to things that allow her to live a more fulfilled life. For instance, instead of buying a new car every year, Douglass employs a personal chef to make dishes that make living with an autoimmune illness easier.

It has been more than two years since I sold my business, and I am happier than I have ever been. I made different choices than most: We rent a house instead of owning (a savings of nearly $4,000/month in our neighborhood – more than our monthly rent payment!); we only have basic cable; we don't have a landline, credit card debt, car payments, or student loans.

I chose, instead of buying more Stuff, to live a more fulfilled life. For me, even more important than holding onto my money tightly was to learn to let it go – to give it to others in exchange for work well done, and to trust that they could do tasks well. It's one of the best decisions I've ever made.

Though most of us aren't able to afford the luxuries of a personal chef or full-time housekeeper, Douglass makes an interesting point. If you have a surplus of cash left over after paying your bills and adding to your savings each month, maybe blowing it on a fancy dinner or a new electronic gadget isn't worth it in the long run. Instead, consider spending it on something that adds to your overall quality of life—like an accountant to do your taxes, or commercial productivity software that will help you more easily manage all your work tasks.

What would you do if you had a batch of extra cash to spend as you wanted? Would you hire a personal assistant to deal with all the chores you don't like, or blow it on something frivolous like good cognac or a box of truffles? Talk about it in the comments.

Bankrate predicts what's on the personal financial horizon for 2008 by QuizzleTown

http://removeripoffreports.net



tracking personal finances


That’s very helpful, but I guess in general what I’m wondering about is not so much what UK police could get for a trial (e.g., UK to UK communications), as what telecoms in the UK can give to non-UK police – like Mikey Hayden (esp re: emails). Because the reason the telecoms have all these foreign to foreign communications is because they are operating in foreign countries. I have a hard time, for example, believing that the UK doesn’t have any kind of law preventing telecoms from handing over its UK customers communications (emails or voice) to a non UK actor, at least without a warrant of some kind or process of some kind. Let’s say it is not the US that ATT is cooperating with, but maybe France, or Russia, or … whichwhoever.

For example, does America take the position that ATT can turn over American to American communications to France (or whatever other country ATT via an affiliate or subsidiary or directly may be operating) because France doesn’t think that a French warrant is needed to get those “foreign to foreign” communications that are US person/corp to US person/corp?

Not so much. ATT and Verizon and multinational players are NOT extensions of the US gov. There isn’t some kind of an agreement that other countries make that IF the US in its magnamity decides to “allow” them them have access to emails and and phone service via corporations that operate on a multinational level, then the US can grab all those countries info by they have to leave the US info alone.

What has always been my question on this is, as the US and Congress has been claiming that ATT (or whatever company) can “do business” in France and Switzerland and Britain etc – either directly or by joint venturing on cables etc. – no one is saying what the French or Swiss or British rules are (or EU rules) for the turnover to the US of the French to French or French to Swiss etc. communications that all these people (even Kris from what I understood of one article he wrong) are saying don’t require a warrant under US law bc they are “foreign to foreign” (although not foreign agent to foreign agent – which was the operative element under FISA)

So just like Swift, even though it had its big mirror facility here in the US, was subject to not JUST US law (or US non-law, as Booze and Bush did their unilateral end run around law via connived “administrative warrants”) but also to the laws of the other entities (the EU, Belgium, etc.) where it was doing business and show citizens it was servicing – I just don’t see how the telecoms here don’t have an very identical problem. ESPECIALLY with the Congressional rantings that the US Executive branch has the power to require telecoms to hand over (and let NSA store) ANY “foreign to foreign” communications without regard to any kind of probable cause.

Surely there are on or two countries where the telecom or its JV partners or affiliates or subs would be in relatively big trouble if it came out that all that countries communications had been opened up and handed off for rifling through by the US exec, outside of US law.

So I’ve been puzzled that you never hear anything about this, even though we hear a bit about SWIFT.

Perhaps the most standout feature of this revamp is the improved categorization that takes a ton of work off the plate of the user. The guys at Quicken have developed a learning algorithm for Quicken Online that allows users to self-tag, with the Quicken Online software remembering those tags and then applying them to other people's data. The more people who use it, the smarter the tagging gets. In my tests, the automatic categorizing/tagging works exceedingly well. Though Quicken Essentials takes a lot of cues from Mint.com, it's method of categorization is different (and superior). Mint obtains its categorization by performing a relatively simple Yellow Pages look-up. Later in the year Intuit will be combining the two approaches and hopes to achieve 95% categorization accuracy (Intuit bought Mint in 2009).

Out of the box, Quicken Essentials supports 12,000 US and Canadian banks. That will grow to 16,000 banks in the next 2-3 months. That's full coverage of every credit union and bank in the US. Transferring and converting your data from Quicken for Windows to Quicken Essentials worked pretty well in my tests. I just saved a copy of my Quicken for Windows file, moved it to my Mac, and double-clicked on it. All my data was easily imported without any errors. Keep in mind that I was only working with two years of Quicken data though. Quicken Essentials allows for conversion from previous Mac programs, Quicken for Windows 2007+, and the now defunct Microsoft Money.

If you're like me and just want a simple program to view all your financial accounts, see where your money is going, and keep track of balances and upcoming bills, I highly recommend Quicken Essentials. If, however, you're a Quicken power user who needs investing and planning tools, investment buy and sell tracking, TurboTax integration, or in-app bill pay, then QEM is not for you. Think of this edition of Quicken Essentials as iPhoto for your finances. It presents a snapshot of your finances and transactions in a simple to use interface. If you need more than that, it's best to look at iBank or Quicken Premier for Windows running under VMWare Fusion or Parallels.

Quicken Essentials for the Mac goes on sale today for $69 and requires Mac OS X 10.5 or 10.6, an Intel-based Mac, and 1GB of hard disk space.

2010_01_02_to_06_0056 by Vikram Chadaga

http://removeripoffreports.net



about internet marketing


Real Time Web was coined to describe online activities in real time — from status updates on Facebook, to microblogging on Twitter to uploading photos and videos on other social media sites. With the ease of mobile devices like iPhones, this type of communication has grown tremendously in 2009. Now Google (video) is offering the power of real time web searching to millions everyday. Although you may cringe when considering the personal implication of searching your updates and Twitter feeds, you can't deny the benefits to publicity and marketing. 

According to Nielsen, social media and blogs are now more popular than email. As marketers, this presents us with a great opportunity. Reader engagement is not only important in today's market, it is essential. Although your web site is important, a savvy marketer knows that a page on Facebook is even more important for interacting with fans and potential readers. With Google and Bing now offering real time search results, the ease, power and speed of sharing information is changing before our eyes. Word of mouth has never been shared faster or more easily.  It is important to remember that social media is public communication, you probably should never share personal information, comments or thoughts you don't want spread. But you can't simply ignore what investors are calling a new web Revolution.

By staying off of Twitter and Facebook as a marketer you are not only missing out on community building, but you are also unaware of the conversations taking place about you, your books, and your competition. Real time search results are changing the speed at which a conversation spreads online. It is more important than ever to manage brand and reputation on social media sites. Content is streaming live with or without your blessing. 

Some fantastic sites that offer good information on Twitter conversations are Topsy which shows how many people retweeted you. For example, if you do a topsy search on my name you'd see that my HuffPost blog about Facebook was retweeted 118 times, others were not as popular. Sency allows you to search topics and conversations, and Dailyrt allows you to track what is important to people right now. 

These tools can allow you to stay on top of messaging. For marketing and publicity people, it can give you fresh ideas and leads for more exposure. For editors, it may give you ideas for your next book project and for authors it can most certainly show you what's important to your readers right now. Opinions are being shared online and in real time, and now through searches we can find them and notice trends and measure excitement.

Today if you do a search for Oprah on Google, the search results will include social media results, which means you can see what people said about Oprah a minute ago (see midway down). If that doesn't inspire awe (and a little fear) in you, I would be amazed. 

Conversations are happening online in real time and now these conversations are being tracked, measured and searched. By becoming part of the community and paying attention to the dialogue around you, I believe your marketing efforts will benefit greatly this year and in the years to come. Real Time Web is becoming the norm — there are tons of apps and programs coming that will make it easier for us to know what people are saying, where they are gathering, and what they are reading in real time.

Fauzia Burke is the Founder and President of FSB Associates, an Internet marketing firm specializing in creating online awareness for books and authors. For more information, please visit FSB Associates.

Those convicted of violating Italy's privacy laws were Google's global privacy counsel Peter Fleischer, its senior vice president and chief legal officer David Drummond and retired chief financial officer George Reyes. They were given six-month suspended sentences.

They were absolved of defamation charges, along with a fourth defendant, London-based senior product marketing manager Arvind Desikan, who was charged only with defamation. All were charged in absentia and denied wrongdoing.

Google called the decision “astonishing,” saying it “attacks the very principles of freedom on which the Internet is built.”

While there is no debate that the executives had no role in creating or uploading the video, they were held liable under Italian law as officers of the company.

“The judge has decided I'm primarily responsible for the actions of some teenagers who uploaded a reprehensible video to Google video,” said Fleischer, who is based in Paris.

“If company employees like me can be held criminally liable for any video on a hosting platform when they had absolutely nothing to do with the video in question, then our liability is unlimited,” he said in a statement.

Drummond said he was “outraged” that he was found criminally responsible for the video, noting that both European Union and Italian law recognized that Internet service providers like Google are not required to monitor content that they host.

“This verdict sets a dangerous precedent,” Drummond said in a statement from Google's Mountain View, Calif., headquarters. It also “imperils the powerful tool that an open and free Internet has become for social advocacy and change.”

In the United States, the Communications Decency Act of 1996 generally gives online service providers immunity in cases like this, but no such protections exist in Europe.

Google and other hosting platforms generally rely on other users flagging objectionable content. They say the monumental effort it would take to prescreen the 20 hours of video that are posted every minute to YouTube alone makes such controls unthinkable.

In the privacy vs. freedom of expression debate, Europe's championing of privacy has merit, said Carlo Alberto Carnevale Maffe, an Internet economist at Milan's Bocconi University. But he said Europe falls short by “not providing a clear, transparent legal environment.”

“Europe is too ideological. This is why we are not the place where Yahoo and Google were born,” Maffe said. “Google has been developed with an American mindset, much more entrepenuer-friendly.”

Google spokesman Bill Echikson made clear the Internet giant has no intention of pulling out of Italy, as it has threatened to do in China over censorship concerns, noting that Italy “is a democratic society.”

Privacy experts warned the Italian decision could embolden authoritarian regimes.

“We are concerned that non-democratic countries will point to it as a precedent for holding companies responsible for hosting content. This could have a chilling effect on free speech,” said Ari Schwartz, chief operating officer of the Center for Democracy & Technology in Washington D.C.

The U.S. Embassy in Rome also expressed disappointment in the verdict.

“While we recognize the reprehensible nature of the material, we disagree that Internet service providers are responsible prior to posting for the content uploaded by users,” it said in a statement. “The fundamental principle of Internet freedom is vital for democracies which value freedom of expression and is protected by those who value liberty.”

Google argued that it removed the video two hours after it received notification from police, which it says is in line with a EU directive that requires it to respond to authorities' requests.

However, prosecutors also suggested during the trial that the company's policy of having users flag material fell short. It is unclear if that argument had sway with Judge Oscar Magi, who will issue his written ruling later.

Eddan Katz, international affairs director of San Francisco-based Electronic Frontier Foundation, argued that the incident itself might have gone unreported if not for the video. That supposition was supported by a statement made to authorities by the autistic teen's father, who expressed anguish at seeing on the video how his son had suffered but hadn't had the courage to tell his family.

Thanks to the footage and Google's cooperation, the four bullies were identified and sentenced by a juvenile court to community service.

Exposing wrongdoing and abuse, Katz said, is a strong argument against placing limits on the Web.

“The implication would be that those videos exposing wrongdoing on the part of government, corruption, or organized crime would not be aired. How do we differentiate between the positive exposure of that kind of information, and the negative?”


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Franchise Operations


When Dave Checketts bought the St. Louis Blues in 2005, he had to change their business model.

The previous Blues ownership of Bill and Nancy Laurie lost a lot of money, and Checketts wasn't going to repeat their mistakes.  The Laurie's spent money on free agents and traded prospects for veterans with a win-now philosophy.

But the Blues bottomed out in the 2005-2006 season, finishing last in the NHL as the Lauries looked to cut their losses after the 2004-05 NHL lockout. It snapped the Blues streak of 25 straight seasons of qualifying for the playoffs.

This would give Checketts and his new president of hockey operations, John Davidson, an opportunity to rebuild from within, hording draft picks and using those prospects to create the core of the franchise.  The Blues would have to operate like the mid-market franchise that they are, regardless of the NHL's new salary cap structure.

It's critical that these prospects develop into quality NHL players, as their development will determine the Blues' future success.  In this article we'll analyse how the offensive prospects that have made the big club are progressing, and which one will be the cream of the crop. 

We'll take a look at the forwards in the order of the year they were drafted.

 

David Backes – C

SAN FRANCISCO, CA (January 28, 2010)After several weeks of negotiations with a potential new ownership group fell through at the last minute, Women’s Professional Soccer discontinued operations of the Los Angeles Sol on Thursday. The rights to the 19 players currently held by the Sol will be dispersed during a special draft for the league’s eight franchises on Thursday, February 4 and will be announced later in the day.

“While it’s regrettable to lose the Los Angeles market as part of our WPS footprint, we are pleased to have two new teams coming into the league in 2010,” said WPS Commissioner Tonya Antonucci. “The league and our ownership committee worked incredibly hard over the past month to complete the transaction. In the end, we ran out of time and came up short of where we needed to be funding-wise for the Sol in 2010.”

The Los Angeles Sol had been under custody of the league since late November when AEG gave back its ownership stake in the team to the league.

“Ownership changes are part of pro sports, particularly in a young league, and we have made solid progress in growing WPS from where we were last season,” said Antonucci. “We believe Los Angeles is a healthy, viable market for women’s pro soccer and a city where our league can again thrive with an LA franchise in the future.”

The league will now feature an even eight-team, single table format for the 2010 WPS regular season with more details of the 2010 WPS Season to be unveiled next week.

“All the team owners and members of the Board are confident that this setback will be quickly overcome by the exciting developments that the league has in store for the 2010 WPS Season,” said WPS Board Member and Atlanta Beat Chairman T. Fitz Johnson. “This includes two new franchises, the debut of a brand new stadium built specifically for WPS, a longer regular season and an even better product on the field with incoming talent from the college ranks and the many top internationals that have been signed in the off-season.Without question, this season is poised to build on our successful launch year.”

Several of the Los Angeles players, including WPS All-Stars Shannon Boxx and Marta, are signed to multi-year, guaranteed contracts, and are expected to play in WPS for the remainder of their contracts with other WPS teams following the dispersal draft.

The dispersal draft will be held next Thursday with the eight franchises selecting players from the Sol roster over three rounds in the following order:

Round 1
1.    Atlanta Beat
2.    Philadelphia Independence
3.    FC Gold Pride (Bay Area)
4.    Chicago Red Stars
5.    Boston Breakers
6.    Sky Blue FC (NJ/NY)
7.    Washington Freedom
8.    Saint Louis Athletica

Round 2
9.    Saint Louis Athletica
10.    Washington Freedom
11.    Sky Blue FC (NJ/NY)
12.    Boston Breakers
13.    Chicago Red Stars
14.    FC Gold Pride (Bay Area)
15.    Philadelphia Independence
16.    Atlanta Beat

Round 3
17.    Atlanta Beat
18.    Philadelphia Independence
19.    FC Gold Pride (Bay Area)
20.    Chicago Red Stars
21.    Boston Breakers
22.    Sky Blue FC (NJ/NY)
23.    Washington Freedom
24.    Saint Louis Athletica

About Women’s Professional Soccer (WPS)
Headquartered in San Francisco, Women’s Professional Soccer (WPS) is the world’s premier soccer league for women with eight teams across the United States featuring the best players from around the world. WPS completed its inaugural season in August 2009 as Sky Blue FC of New Jersey became the first-ever WPS Champions. In 2010, eight teams will each play 24-game schedules from April 10-September 12 including six original WPS teamsBoston Breakers, Chicago Red Stars, FC Gold Pride (Bay Area), Saint Louis Athletica, Sky Blue FC (NJ/NY) and Washington Freedomand two expansion teams Atlanta Beat and Philadelphia Independence. The top four finishers in the regular season will qualify for the 2010 WPS Playoffs scheduled for September 19-26. For more information, visit the WPS official website at www.womensprosoccer.com or follow all the news at www.twitter.com/womensprosoccer.

Today, industry experts report that franchises are responsible for almost 50 percent of all retail sales in the United States, and this figure is expected to grow through the 21st century. Franchisers (those companies that sell franchise businesses) and franchisees (those who buy the businesses) are sharing in the almost $1 trillion a year that franchise businesses take in. While everyone probably has a favorite business or two-maybe the neighborhood Krispy Kreme with its fresh crullers or the 7-Eleven down the street with its Big Gulp sodas-not everyone may realize that these are franchised establishments. For those people interested in starting their own businesses, becoming franchisees may offer just the right mix of risk and security.

Any new business venture comes with a certain amount of risk, but franchises offer the security of a name and product that customers are used to and are willing to seek out. Someone with money to invest, the willingness to work hard and sometimes long hours, and the desire to be in the retail world may just be the person able to become the successful franchisee, sharing in the franchiser's success.

There's a franchise for practically every type of product and service imaginable. In addition to the familiar McDonald's and Burger King, other franchise operations are providing opportunities: businesses that offer temporary help, maid services, weight control centers, and custom picture framing, to name a few. The International Franchise Association (IFA), in fact, reports that there are approximately 75 different industries that make use of the franchise system. No matter what business a person is interested in, there are probably franchise opportunities available.

Depending on the size and nature of the franchise, owners' responsibilities differ. Those who are able to make a large initial investment may also be able to hire managers and staff members to assist them. Those running a smaller business will need to handle most, if not all, of the job responsibilities themselves. Though there should be assistance from the franchiser in terms of training, marketing guidance,

and established business systems, the business is essentially the franchisee's own. The franchisee has paid an initial franchise fee, makes royalty payments to the franchiser, purchased equipment, and rented business space. Any franchisee must handle administrative details, such as record-keeping, creating budgets, and preparing reports for the franchiser. A franchisee is also responsible for hiring (and firing) employees, scheduling work hours, preparing payroll, and keeping track of inventory. Using the franchiser's marketing methods, the franchisee advertises the business. The practices and systems of franchisers differ, so those interested in this work need to carefully research the franchise before buying into it.

Some owners work directly with the clientele. Of course, someone who owns multiple units of the McDonald's franchise probably won't be taking orders at the counter; but someone who owns a single unit of a smaller operation, like a pool maintenance service, may be actively involved in the work at hand, in dealing with the customers, and in finding new customers.

The franchisee's experience will be affected by the name recognition of the business. If it's a fairly new business, the franchisee may have to take on much of the responsibility of promoting it. If it is a well-established business, customers and clients will already know what to expect from the operation.

When Dave Checketts bought the St. Louis Blues in 2005, he had to change their business model.

The previous Blues ownership of Bill and Nancy Laurie lost a lot of money, and Checketts wasn't going to repeat their mistakes.  The Laurie's spent money on free agents and traded prospects for veterans with a win-now philosophy.

But the Blues bottomed out in the 2005-2006 season, finishing last in the NHL as the Lauries looked to cut their losses after the 2004-05 NHL lockout. It snapped the Blues streak of 25 straight seasons of qualifying for the playoffs.

This would give Checketts and his new president of hockey operations, John Davidson, an opportunity to rebuild from within, hording draft picks and using those prospects to create the core of the franchise.  The Blues would have to operate like the mid-market franchise that they are, regardless of the NHL's new salary cap structure.

It's critical that these prospects develop into quality NHL players, as their development will determine the Blues' future success.  In this article we'll analyse how the offensive prospects that have made the big club are progressing, and which one will be the cream of the crop. 

We'll take a look at the forwards in the order of the year they were drafted.

 

David Backes – C

SAN FRANCISCO, CA (January 28, 2010)After several weeks of negotiations with a potential new ownership group fell through at the last minute, Women’s Professional Soccer discontinued operations of the Los Angeles Sol on Thursday. The rights to the 19 players currently held by the Sol will be dispersed during a special draft for the league’s eight franchises on Thursday, February 4 and will be announced later in the day.

“While it’s regrettable to lose the Los Angeles market as part of our WPS footprint, we are pleased to have two new teams coming into the league in 2010,” said WPS Commissioner Tonya Antonucci. “The league and our ownership committee worked incredibly hard over the past month to complete the transaction. In the end, we ran out of time and came up short of where we needed to be funding-wise for the Sol in 2010.”

The Los Angeles Sol had been under custody of the league since late November when AEG gave back its ownership stake in the team to the league.

“Ownership changes are part of pro sports, particularly in a young league, and we have made solid progress in growing WPS from where we were last season,” said Antonucci. “We believe Los Angeles is a healthy, viable market for women’s pro soccer and a city where our league can again thrive with an LA franchise in the future.”

The league will now feature an even eight-team, single table format for the 2010 WPS regular season with more details of the 2010 WPS Season to be unveiled next week.

“All the team owners and members of the Board are confident that this setback will be quickly overcome by the exciting developments that the league has in store for the 2010 WPS Season,” said WPS Board Member and Atlanta Beat Chairman T. Fitz Johnson. “This includes two new franchises, the debut of a brand new stadium built specifically for WPS, a longer regular season and an even better product on the field with incoming talent from the college ranks and the many top internationals that have been signed in the off-season.Without question, this season is poised to build on our successful launch year.”

Several of the Los Angeles players, including WPS All-Stars Shannon Boxx and Marta, are signed to multi-year, guaranteed contracts, and are expected to play in WPS for the remainder of their contracts with other WPS teams following the dispersal draft.

The dispersal draft will be held next Thursday with the eight franchises selecting players from the Sol roster over three rounds in the following order:

Round 1
1.    Atlanta Beat
2.    Philadelphia Independence
3.    FC Gold Pride (Bay Area)
4.    Chicago Red Stars
5.    Boston Breakers
6.    Sky Blue FC (NJ/NY)
7.    Washington Freedom
8.    Saint Louis Athletica

Round 2
9.    Saint Louis Athletica
10.    Washington Freedom
11.    Sky Blue FC (NJ/NY)
12.    Boston Breakers
13.    Chicago Red Stars
14.    FC Gold Pride (Bay Area)
15.    Philadelphia Independence
16.    Atlanta Beat

Round 3
17.    Atlanta Beat
18.    Philadelphia Independence
19.    FC Gold Pride (Bay Area)
20.    Chicago Red Stars
21.    Boston Breakers
22.    Sky Blue FC (NJ/NY)
23.    Washington Freedom
24.    Saint Louis Athletica

About Women’s Professional Soccer (WPS)
Headquartered in San Francisco, Women’s Professional Soccer (WPS) is the world’s premier soccer league for women with eight teams across the United States featuring the best players from around the world. WPS completed its inaugural season in August 2009 as Sky Blue FC of New Jersey became the first-ever WPS Champions. In 2010, eight teams will each play 24-game schedules from April 10-September 12 including six original WPS teamsBoston Breakers, Chicago Red Stars, FC Gold Pride (Bay Area), Saint Louis Athletica, Sky Blue FC (NJ/NY) and Washington Freedomand two expansion teams Atlanta Beat and Philadelphia Independence. The top four finishers in the regular season will qualify for the 2010 WPS Playoffs scheduled for September 19-26. For more information, visit the WPS official website at www.womensprosoccer.com or follow all the news at www.twitter.com/womensprosoccer.

Spa and Nails in La Verne  CA by claimsmantoo

bill bartmann on making forensic mortgage audit established franchises for sale, existing franchises for sale, low cost franchises sale



personal finance programs


Cost Overrun Incompetence at Energy

OMB director Peter Orszag is blaming the inefficiencies of the federal government on outdated personal computers. That is hard to understand given that federal IT spending amounted to $200 million a day last year.

A new GAO report on cost overruns at the Department of Energy undercuts Orszag’s argument that the solution to government incompetence is new computers. DOE cost overruns are nothing new. As far back as 1982 the GAO was reporting that “DOE lacked sufficient guidance to provide to its contractors for developing cost estimates.” A 2007 GAO report found that eight of 12 DOE projects it examined had exceeded their initial cost estimate by almost $14 billion due to “ineffective DOE project oversight and poor contractor management.” In 2008, GAO reported that nine out of 10 environmental cleanup projects it examined had cost overruns that DOE estimated would require an additional $25 to $42 billion.

For the new report, the GAO looked at DOE’s contract management procedures and here are some of the highlights:

  • “DOE has not had a policy that establishes standards for cost estimating in place for over a decade, and its guidance is outdated and incomplete, making it difficult for the department to oversee the development of high-quality cost estimates by its contractors.”
  • “DOE’s only cost-estimating direction resides in its project management policy that does not indicate how cost estimates should be developed.” (This statement has to be read several times to actually be believed.)
  • “DOE’s outdated cost-estimating guide assigns responsibilities to offices that no longer exist.”
  • “DOE does not have appropriate internal controls in place that would allow its project managers to provide contractors a standard method for building high-quality cost estimates.”
  • “DOE has drafted a new cost-estimating policy and guide but the department expects to miss its deadline for issuing them by more than a year.”

There’s nothing here that a supercomputer is going to change. Cost overruns in government programs will continue to occur for the simple reason that policymakers and administrators are playing with other people’s money. Moreover, the market forces that compel private firms to manage resources effectively or risk going out of business (unless they are in the auto or finance industries) are absent. DOE won’t be put of business for its cost overruns (although it should be); it’ll just go ask Congress for more taxpayer money.

See this Cato essay for more on cost overruns at the Department of Energy and other government agencies.

Google is releasing information about a “highly sophisticated and targeted attack” on their corporate infrastructure that occurred last month. The attack originated in China and resulted in the “theft of intellectual property from Google.” In light of the attack Google is making sweeping changes to its Chinese operations.

Google is releasing some information about these attacks to the public. The company says that a minimal amount of user information was compromised, but has come to the alarming conclusion that the attacks were targeting the information of Chinese human rights activists. Google found that these attacks were not just going after Google’s data, but were also targeting at least twenty other major companies spanning sectors including Internet, finance, chemicals, and more. Google has also discovered that phishing attacks have been used to compromise the Gmail accounts of Chinese human rights activists around the world.

In light of the attacks, and after attempts by the Chinese government to further restrict free speech on the web, Google has decided it will deploy a fully uncensored version of its search engine in China. This is a major change: since January 2006, Google has made concessions to the Chinese government and offered a censored (and highly controversial) version of its search engine at Google.cn. Google isn’t playing that game any longer. Should the Chinese government decide that an uncensored engine is illegal, then Google may cease operations in China entirely.  We have included Google’s blog posts about the decision in their entirety below.

Like many other well-known organizations, we face cyber attacks of varying degrees on a regular basis. In mid-December, we detected a highly sophisticated and targeted attack on our corporate infrastructure originating from China that resulted in the theft of intellectual property from Google. However, it soon became clear that what at first appeared to be solely a security incident–albeit a significant one–was something quite different.

First, this attack was not just on Google. As part of our investigation we have discovered that at least twenty other large companies from a wide range of businesses–including the Internet, finance, technology, media and chemical sectors–have been similarly targeted. We are currently in the process of notifying those companies, and we are also working with the relevant U.S. authorities.

Second, we have evidence to suggest that a primary goal of the attackers was accessing the Gmail accounts of Chinese human rights activists. Based on our investigation to date we believe their attack did not achieve that objective. Only two Gmail accounts appear to have been accessed, and that activity was limited to account information (such as the date the account was created) and subject line, rather than the content of emails themselves.

Third, as part of this investigation but independent of the attack on Google, we have discovered that the accounts of dozens of U.S.-, China- and Europe-based Gmail users who are advocates of human rights in China appear to have been routinely accessed by third parties. These accounts have not been accessed through any security breach at Google, but most likely via phishing scams or malware placed on the users’ computers.

We have already used information gained from this attack to make infrastructure and architectural improvements that enhance security for Google and for our users. In terms of individual users, we would advise people to deploy reputable anti-virus and anti-spyware programs on their computers, to install patches for their operating systems and to update their web browsers. Always be cautious when clicking on links appearing in instant messages and emails, or when asked to share personal information like passwords online. You can read more here about our cyber-security recommendations. People interested wanting to learn more about these kinds of attacks can read this U.S. government report (PDF), Nart Villeneuve’s blog and this presentation on the GhostNet spying incident.

We have taken the unusual step of sharing information about these attacks with a broad audience not just because of the security and human rights implications of what we have unearthed, but also because this information goes to the heart of a much bigger global debate about freedom of speech. In the last two decades, China’s economic reform programs and its citizens’ entrepreneurial flair have lifted hundreds of millions of Chinese people out of poverty. Indeed, this great nation is at the heart of much economic progress and development in the world today.

We launched Google.cn in January 2006 in the belief that the benefits of increased access to information for people in China and a more open Internet outweighed our discomfort in agreeing to censor some results. At the time we made clear that “we will carefully monitor conditions in China, including new laws and other restrictions on our services. If we determine that we are unable to achieve the objectives outlined we will not hesitate to reconsider our approach to China.”

These attacks and the surveillance they have uncovered–combined with the attempts over the past year to further limit free speech on the web–have led us to conclude that we should review the feasibility of our business operations in China. We have decided we are no longer willing to continue censoring our results on Google.cn, and so over the next few weeks we will be discussing with the Chinese government the basis on which we could operate an unfiltered search engine within the law, if at all. We recognize that this may well mean having to shut down Google.cn, and potentially our offices in China.

The decision to review our business operations in China has been incredibly hard, and we know that it will have potentially far-reaching consequences. We want to make clear that this move was driven by our executives in the United States, without the knowledge or involvement of our employees in China who have worked incredibly hard to make Google.cn the success it is today. We are committed to working responsibly to resolve the very difficult issues raised.

Posted by David Drummond, SVP, Corporate Development and Chief Legal Officer

Here’s a second post, from the Google Enterprise Blog:

Many corporations and consumers regularly come under cyber attack, and Google is no exception. We recently detected a cyber attack targeting our infrastructure and that of at least 20 other publicly listed companies. This incident was particularly notable for its high degree of sophistication. We believe Google Apps and related customer data were not affected by this incident. Please read more about our public response on the Official Google Blog.

This attack may understandably raise some questions, so we wanted to take this opportunity to share some additional information and assure you that Google is introducing additional security measures to help ensure the safety of your data.

This was not an assault on cloud computing. It was an attack on the technology infrastructure of major corporations in sectors as diverse as finance, technology, media, and chemical. The route the attackers used was malicious software used to infect personal computers. Any computer connected to the Internet can fall victim to such attacks. While some intellectual property on our corporate network was compromised, we believe our customer cloud-based data remains secure.

While any company can be subject to such an attack, those who use our cloud services benefit from our data security capabilities. At Google, we invest massive amounts of time and money in security. Nothing is more important to us. Our response to this attack shows that we are dedicated to protecting the businesses and users who have entrusted us with their sensitive email and document information. We are telling you this because we are committed to transparency, accountability, and maintaining your trust.

Posted by Dave Girouard, President, Google Enterprise

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personal finance and budgeting


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  1. @rww there's a new UK personal finance site in beta called @MoneyDashboard http://www.moneydashboard.com/

     Posted by: Steven Renwick |
    January 7, 2010 12:22 PM

  2. Also don't forget freeagent http://www.freeagentcentral.com/ – it's great for the self employed in the UK, with built in invoice tracking and self-assessment.

    Posted by: Andy B |
    January 7, 2010 2:21 PM

  3. I have used mint off and on. I love how the design and user interface, but I wish it would work with the bank that holds my checking account. Perhaps i'll try out some of your other suggestions. Thanks for the info!

    JG
    loanpointusa

    Posted by: Joe |
    January 7, 2010 2:35 PM

  4. I've been very happy with Xpenser. I can setup a budget and record expenses with email and sms (it also does twitter and im and a few other things). The main thing for me is ease of use so I stick with it, and this is the only one simple enough to stay with.

    Posted by: Paula |
    January 7, 2010 3:33 PM

  5. For those looking for a more proactive approach to managing finances and budgeting (versus the reactive reporting approach supported by most tools), check out the Easy Envelope Budget Aid, built natively for Android and the mobile Web. It's based on the envelope budgeting approach of setting aside cash for particular expenses–in advance–and then spending out of those categories on a declining balance basis. Stop before you run out of your balance as opposed to find out after-thefact that you overspent.

    EEBA lets you check your envelope balances and record transactions at point of sale allowing you to carry your virtual “envelopes” with you.

    We're in open Beta right now, website at www.eebacanhelp.com

    Posted by: Chi-Ming @ EEBA |
    January 7, 2010 5:27 PM

  6. Where is Mint's mobile site? I've never seen it.

     Posted by: Sivan |
    January 7, 2010 6:08 PM

  7. There is also Serbian money management web application Slamarica . It's oriented not just for Serbia, but for all Adriatic region. There's more info on Digg http://digg.com/business_finance/Serbian_No_1_money_management_home_finance_web_application

     Posted by: Nemanja Djordjevic |
    January 9, 2010 1:04 AM

  8. Thanks for this article. I'm looking forward to the rest. I find it interesting that http://moneycenter.yodlee.com doesn't show up more often in personal finance software reviews. It's free as well, and is quite feature rich. Part of the problem is Yodlee doesn't do that much to market the consumer side. (For good reason, they give it away. :-)

     Posted by: Philip Eoute |
    January 9, 2010 9:54 PM

  9. @Chi-Ming thanks for telling us about EEBA. I'm definitely trying that out!

     Posted by: Philip Eoute |
    January 9, 2010 9:55 PM

  10. @Philip, you're welcome. We're iterating quickly, so let us know what you think!

    Posted by: Chi-Ming @ EEBA |
    January 9, 2010 11:01 PM

  11. I just love Mint… simple and easy to use… user friendly.. what can I say! Thumb up!

    Posted by: RichDadWisdom |
    January 10, 2010 6:46 AM

  12. But with any of the above: (1) can you manually add accounts not on their automated list; (2) multiple currency feature; (3) mobile/iPhone app?

    I've tried Mint and Wesabe. Mint is US-only. Wesabe has dreadful import (all tags/categories are lost) and doesn't believe in account reconciliation (”Why would want that feature?” was their reply; perhaps b/c it's the oldest accounting feature in the book and I don't trust a bank's statement.)

    I'm with MoneyWell (which uses envelope accounting), and is serving me well enough. But everyone's been waiting well over a year for a promised iPhone app.

    I would pay handsomely for any online financial programme that satisfied all 3 feature requests above.

    Posted by: Mr Ulster |
    January 11, 2010 6:22 AM

  13. In the uk theres http://www.inniaccounts.co.uk, but it's more for contractors

    Posted by: Toby |
    January 11, 2010 11:47 PM

  14. I started using Mint but quickly realized that its sponsors and partners, the big banks, don't want you to use cash. Most of these “free” sites to manage your money encourage one thing – card use. Whether it's credit cards or debit cards, they make using and tracking them easy, and using and tracking cash difficult. This is because the banks all make money on card transactions, whether they are debit or credit based. They make no money on cash transactions. One of the best ways to save money and control spending is by using cash, and none of these services encourage that, by their design.

    Posted by: B |
    January 13, 2010 11:54 AM

  15. Interesting article – what is the revenue model for sites like Mint, Kublax, MoneyStrands if the resource is free?

    Posted by: Ciaran O'Reilly |
    January 14, 2010 7:05 AM

  16. Mvelopes also offers online personal finance management. It isn't free but I like the envelope based budgeting which forces you to cut down on spending. It also offers mobile access so you can track your spending while you're out shopping.

    Posted by: Valerie @ Finance Software Store |
    January 14, 2010 5:28 PM

  17. I wonder how Cloud computing will influence online financial transactions. I am waiting to see what security issues evolve first.

    Posted by: Stop Home Foreclosure |
    January 18, 2010 5:53 PM

  18. Does anyone have any recommendations for Australia?

    Posted by: Marksin |
    January 21, 2010 2:07 PM

  19. How do users of these web-based financial programs feel about having their financial data available to these companies and the problematic privacy issues?

    Posted by: Jeff |
    January 23, 2010 3:38 PM

  20. Yes, but does Mint allow you to export all your data (including tags/categories) so that you could port it into another program? As far as I can tell, it doesn't. I have several years of data built up using Quicken for Mac. This represents not only a lot of work on my part, but an important resource for understanding my spending patterns (not to mention for calculating capital gains/losses on stock transactions come tax time). I've gotten sick of Quicken's sucky user interface (and the fact that it doesn't run natively on an Intel/Leopard mac) and I'm going to switch either to iBank or Moneywell (haven't decided yet). These are both desktop programs. iBank already has an iPhone app that synchronizes with the desktop version, and Moneywell is building one. Importing all of my old data from Quicken into either of these programs will be a piece of cake, as will exporting from these programs should I change my mind later. They also talk with my bank, just as Mint does. With my data synchronized to my iPod touch, I'll have continuous access to it, all without losing control over it. The problem with Mint is that once you start spending time customizing your data, adding tags, etc, you can't leave the Mint interface without losing your work. I'm not going to use any platform that attempts to hold me hostage like that.

    Posted by: Sarah |
    January 24, 2010 11:33 AM

  21. In the UK we've been developing the new one on lovemoney.com – be good to know what you think of that too. https://www.lovemoney.com/onlinebanking/

     Posted by: emma davies |
    January 29, 2010 3:31 AM

  22. Are you interested in knowing how your spending patterns compare with others? If you are, then you should bookmark Bundle’s Everybody’s Money. This web site provides one of the most comprehensive online data for consumer spending patterns in the United States.

    To get started with Bundle, click on Spending to view the generated data on spending patterns. Browse through the animated bubbles according to basic criteria such as age, type of household, amount of income, and location, or according to spend type. You can find out how people where they spend their money on by hovering your cursor over the bubbles and clicking Go Deep to view the details. You can also take the Bundle Spending Quiz to find out what kind of spender you are and compare your results with your Facebook friends.

    Everybody’s Money is a useful web tool that provides a new approach to personal budgeting. This is a great budgeting app for those who do not know how or where to cut back and start saving.

    Features:

    • Contains the most comprehensive collection of free spending and savings data on the web
    • Lets you find out how other people handle the same decisions to learn what works and what doesn’t
    • Date-generated content with insights from the Bundle staff and community.
    • Take the Bundle Spending Quiz to know what kind of spender are you.
    • Similar Tools: VisualEconomics and TipJar

    Checkout Bundle Everybody’s Money @ www.bundle.com/everybodysmoney

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