About Me 0130: 2011

Monday, December 26, 2011

Making Money Your

Now that it's nearing the end of the year, there are some money chores you need to take care of, such as making sure you've spent the money in your Flexible Spending Account because it will expire before the New Year. You're actually allowed to file an extension if you haven't used up all your FSA dollars, but you need to check your company policy to see if they allow that. Don't fret if you can't extend, here are some last-minute ideas to use your FSA money:

Over-the-counter items: We're not allowed to spend our FSA dollars on over-the-counter medicines without prescriptions but there are plenty of non medicinal products that we can still use the FSA money for. For example, band aids, crutches, first aid kits, and rubbing alcohol.

Acupuncture: Acupuncture is covered by your FSA, so if you have a condition such as pain, consider acupuncture.

Chiropractic: Your FSA also covers chiropractic visits, so now may be the time to schedule an appointment with your chiropractor.

Birth control: Contraceptives are covered by the FSA, although some require prescription.

Glasses and contact lens: Schedule a vision exam and use your FSA dollars to buy a new pair of glasses or supplies of contact lenses.

Prescription medicine: Buy prescription medicine if it makes sense for you to do so.

Doctor's visit: Your FSA will cover the copay so if you're due for a doctor's visit, try to go before the end of the year.

Medical monitoring and testing devices: If you need a gadget to measure and monitor your blood pressure or ovulation, perhaps it's time to buy one now. Pregnancy and glucose test kits also qualify.

FSA is best used when it covers items that your health insurance doesn't generally pay for. Remember to use them or you'll lose them before the year's up!

This post originally appeared in SavvySugar.

It’s no secret that Peter Thiel thinks that the next big bubble facing our economy is not inflating the housing or tech markets, but that of higher education. The former PayPal CEO and early backer of Facebook is well-known for his contrarian views and has more than once publicly criticized higher education for being an overhyped and bloated industry. The entrepreneur-turned-investor has been on a mission to find alternative (and better) ways to motivate, foster, and support young people who want to make a difference.

In May, Thiel, along with his Foundation, put their money where their mouth is, announcing the “20 Under 20 Thiel Fellowship”, a program that offers talented independent thinkers under the age of 20 $100,000 and two years free of school to pursue their entrepreneurial endeavors. The program launched with 24 Thiel Fellows, each of these wiz kids pursuing their own inspiring scientific and technical projects. (You can meet the class here.)

Originally, the Thiel Foundation planned to award only twenty fellowships, but James O’Neill, who heads the Thiel Foundation, said there were so many outstanding candidates among the 400 applications they received that they were compelled to add four more spots.

Six months into the program, and already the progress has been impressive. O’Neill tells us that more than ten of the Fellows have founded companies, and at least one has already launched a product on the market. The progress of the program has been so good, in fact, that the Thiel Foundation has decided to launch a second class in 2012. The program is now accepting applications, with a deadline of December 31st. Candidates must be under 20 years of age until that date.

Tuesday, December 20, 2011

About Making Money

Last week, I was talking to my friend, Landon Rowland. Landon is the kind of guy who knows what is going on in the business world. He's highly respected as a national leader in the industrial space, having run a major railroad. But he's also Chairman Emeritus of Janus Capital, he understands finance like the back of his hand, and he is a major civic leader with a deep knowledge of politics and the regulatory world. Last week, he says to me, "Dylan, no matter who I talk to, no one can give me the total American bank exposure to the Eurozone." Landon knew how much his own bank stood to lose directly if the Eurozone banks couldn't pay their debts, but as to the total risk to our system, no way. He couldn't find out. And it's not because people were keeping secrets, it's probably because no one knows. So the danger is that some random strikes in Greece, a country whose economy is the size of Dallas, could set off a chain reaction destroying the American banking system.

The world's financial system is so tightly linked, so tightly coupled, that semi-random events halfway around the world with zero real economy impact on anything American can still crash our economy. And the links are opaque, so we don't really know who is vulnerable or how to firewall off the real economy from financial speculation.

The root cause is something I've written about in my book, Greedy Bastards: leverage. Leverage means borrowing money and using the proceeds to invest or speculate -- it's a way to multiply gains and losses. Leverage isn't good or bad -- like dynamite, it can be used on construction projects, or as a dangerous weapon. When you buy a house with a mortgage, you're using leverage. When you borrow from your father to go gambling in Las Vegas, that too is a form of leverage. And let's not even get to complex betting instruments used by big banks known as derivatives, because then leverage starts to get dangerous.

Leverage matters on a systemic level because it is the mechanism that links your financial condition to that of your debtors and creditors. You might look solvent, or even wealthy, but if one of your debtors goes under can't pay you back, suddenly you are broke too. And then your own creditors might also be broke, and on up the chain. If enough entities are borrowing and lending enough money to each other, the net effect is that their balance sheets effectively combine into one mega-balance sheet. Since you look wealthy, neither you nor regulators would even know how close to going bankrupt you might actually be. This is why Federal Reserve Chairman Bernanke called the subprime crisis "contained" in 2007. He thought, like many officials, that there would be a mild economic disruption due to falling housing prices, but he had no idea that the entire financial system was on the verge of a meltdown. He simply didn't know how interlinked subprime mortgages had become with global bank balance sheets.

When you prudently borrow money to buy a house or build a factory, you are investing in the future using leverage. But when a bank uses fancy complex derivatives through opaque secret deals, a bank is linking its balance sheet to risks it may not understand and to systemic threats regulators can't track. Banks are essentially making money by throwing dynamite into random mine shafts and hoping they dig a gold mine. Goldman Sachs and JP Morgan have written credit protection on $5 trillion of global debt, but can't say how much is Eurozone debt. This is why our markets have gone crazy -- last week, the Dow jumped by 400 points in one day, after swooning in November and nearly crashing in August. Asset prices these days reflect guesses about which stick of dynamite will go off, as opposed to doing what markets are supposed to do, which is reflect prudent profit making potential of securities and credit instruments.

When balance sheets are linked across the world, that creates the possibility of a systemic collapse. One day, you're wealthy, the next day, you're insolvent, and so is everyone you know. Secrecy magnifies the problem, because it means that we cannot prepare for shocks. None of this is inherent. If derivatives were put on exchanges with multiple bidders and sellers, at least we could more easily see price movements that indicate risks. As Gretchen Morgensen reported, the financial reform bill passed in 2010, known as Dodd-Frank, actually accomplishes this. Last week, however, Democratic Congresswoman Carolyn Maloney and Republican Congressman Scott Garrett passed a bill in the House Financial Services Committee to gut the main provision forcing a mandatory display of pricing. This kind of bipartisan collusion is increasing risks to our system. Policy-makers like Maloney and Garrett, bought as they are by bankers, are making it worse. They are the reason that neither my friend Landon Rowland nor anyone else can figure out our banks' Eurozone exposure.

The scale of the problem is enormous, but so is the scale of the opportunity. As I write in my upcoming book, there are three paths out of this trap. One, we can hope that the problem goes away, as we've done before when previous shocks (like the East Asian crisis) have hit the financial system. Two, we can prepare for the social unrest coming due to policies that retain this tightly coupled poverty-inducing policy framework. Possible consequences to prepare for include increasing nationalism, a trade war, or even real wars. Or three, we can engage in a Marshall Plan style debt restructuring now, to write down debts to a manageable level. This is the global solution, and hopefully, we'll do it before a cataclysmic event.

I did podcasts with Morgensen on this problem, as well as blogger Yves Smith of Naked Capitalism and financial analyst Chris Whalen. I would give them a listen, because it's clear we're in serious trouble, but also that we have an enormous opportunity in front of us. The volatility we're seeing in our credit and equity markets is an indication that we're heading off the rails. And it's not just a few people carping about the problem -- legendary investor George Soros says the system is on the brink of collapse.

So it's time to grab a hold of this scary problem, and build the society we want.

When NewsCred relaunched in January, TechCrunch called it ”The Ning for Newspapers” as it allowed users to create a combination news aggregation and opinion site, like your very own The Huffington Post. NewsCred has had several pivots in its three years of existence, but now it’s solely focused on B2B licensing deals and tirelessly helping to connect the dots between brands and online publishers.

“We’ve completley pivoted the company around. Now, we’re launching our next generation newswire. We’re helping publishers and brands get access to amazing content. Right now, their only option is going to AP or Reuters. We want our service to disrupt the industry,” says NewsCred’s Founder and CEO Shafqat Islam.

Let’s say Coca-Cola wants to run a series about music. Through NewsCred, Coca-Cola would have access to sources like Billboard.com, MTV News, The L.A. Times and Chicago Tribune as well as smaller music blogs. Revenue from the Coca-Cola deal is then split amongst the news sources in that package. Content producers don’t have to pay for anything; they simply receive a check at the end of the month. Islam says providers are making 6 figures a year off of NewsCred’s service and the company is on track to pay a few million dollars in syndication fees in 2012. “Content creators produce amazing journalism and they’re looking for non-display revenue. It’s a nice source of additional, incremental revenue,” he says.

Through NewsCred, the publisher or the blog also gains exposure, distribution and the company gets paid. Another New York City based startup named Contently is solving similar problems by helping brands outsource high-quality content from individual writers. Contently wants to put an end to content farms like Demand Media. Check out our launch story on the company here.

For brands and publishers, NewsCred charges a monthly API licensing fee for access to its content. The fee is based on the volume of news stories as well as the sources licensed. Content is customized, tailored and monetized through new advertising opportunities making it sound like a win-win. For larger publishers with a high volume of pageviews, NewsCred guarantees revenues. It’s an opportunity for big brand companies to save money on hiring a full-blown marketing staff or in-house editorial team while still positioning themselves as thought leaders in an industry.

“We’ve created a single platform for the world’s best journalism. And in doing so, we’re delivering millions of dollars of revenue back into the news ecosystem, and helping an important industry find new models to not just survive, but thrive.”

-NewsCred’s Founder and CEO Shafqat Islam (pictured below)

NewsCred raised a $750K seed round in September 2010 from Floodgate, IA Ventures and Naval Ravikant followed by a $4M Series A round in October 2011, led by FirstMark, with participation from Lerer Ventures, AOL Ventures and Advancit Capital (Shari Redstone) and participation from existing investors.

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Monday, December 19, 2011

Advice on determining the most suitable carpet cleaning corporation on your spot.

Industrial carpet cleaner is a very useful factor to use within the places of work to completely clean carpets. Within large targeted traffic areas, where carpets and rugs are densely soiled, washing gets even more difficult; as a result, most washing companies purchase a industrial carpet cleaner.

Business office properties, with their a huge selection of square feet regarding carpeted location, present special difficulties regarding washing contractors. Washing companies must clean carpets inside workplace buildings within very little period as you can in order to avoid disrupting daily operations. Inside higher traffic places, in which floor coverings are usually densely damaged, cleansing will become even more difficult. Therefore, many installers obtain a commercial carpet cleaner built to offer superlative, effective cleansing regarding business areas such as workplace things.

Low conclusion carpet cleaning machines may save funds at first, yet regular complete breakdowns, wear and tear, as well as weak perform high quality will cost far more ultimately. These kinds of reduced ability equipment tend to be meant for use in the home or within more compact locations. They can't run hour following hour with no split, because commercial carpet cleaning needs. Furthermore, they are not durable adequate to withstand the particular corrosive chemicals and dirt that the business carpet cleaner is actually exposed to. Therefore, you should research the actual supply for a dealer that provides industrial carpet cleaner and also select the right product.

The business carpet cleaner has higher pressure levels and also temperature configurations than residential machines, allowing for faster, more effective washing. A few brands associated with commercial carpet cleaning equipment might obtain temperature ranges as high as 210° Farrenheit. They are able to have got strain ranges different as much as 500 psi, which can be modified based on the cleansing needs.

Probably the most important specifications for carpet cleaning equipment is continuous procedure. Therefore, high end commercial carpet cleaner will be installed with high capability answer as well as recuperation tanks. Many of these machines possess remedy tanks because huge within ability because seventeen gallons. Additionally, to avoid the requirement to stop the equipment before the drinking water heats, a couple of heating system elements are supplied as opposed to 1, which minimizes heating system time to about 5 minutes. Many of these floor covering shampooers have automatic refilling and also dumping systems so the operator will not end up losing productive time filling and also draining away clean and unclean water.

Floor covering extractors should be reduced flow, no matter what conditions a person work below. Even if you in no way encounter drinking water scarcity, just about all companies with this dynamics should use h2o moderately. Furthermore, in the event that you are required to just work at the particular patient's site, then you can need to be much more careful regarding water make use of, especially as moist worksites tend to be seldom valued. Carpet cleaning which make use of much less drinking water assist in more quickly carpeting drying out, therefore getting rid of problems that lead to mildew and also pest pests.

Higher capability floor covering shampooers have an additional perform. Also, they are used for washing area rugs and also upholstery. Make sure you purchase area rug cleaners with the proper wands. Upholstery wands are usually more compact as compared to carpeting wands; they're useful for cleansing seat covers, sofas, car seats, drapes, and area rugs. Preferably, these wands are constructed with metal for added durability and deterioration resistance.

Check the particular hose pipe duration and also quality as well. The particular hose should be resilient and also split immune and should be extended enough to very easily attain the area needed with out frequent moving. Top quality carpeting extractors possess hoses that can be altered based on the proportions from the carpet.

The proper area rug cleaners tend to be an important part of the carpet cleaning business and provide decades of support and thousands of dollars in enhanced productivity. Daimer Sectors is a leading provider associated with carpet cleaning products. Daimer provides a full range of greatest carpet cleaners which includes carpet extractors, area rug cleansers, carpet shampooers and much more.

A growing number of carpet cleaning organizations are becoming proven along with each and every moving day with the sole purpose of offering expert carpet cleaning providers in order to those who demand them.

More and more carpet cleaning businesses are receiving established along with each and every transferring evening with all the single aim of supplying expert carpet cleaning companies to people who require them. The need for professional carpet cleaning may vary from person to person. Even though some need these kinds of services simply because they can have no spare time to do the cleansing by themselves, other folks will believe they don't really have the proper abilities to complete the particular cleansing; others might not feel motivated to wash the actual carpets, particularly when they are large.

A lot of people that choose to perform the particular cleaning by themselves have a tendency to question ways to get the same striking results as the experts. Fortunately that is achievable with the proper products, the proper cleansing goods as well as the right techniques utilized in carpet cleaning. http://carpetcleaningatlanta1.info First thing you need to do is figure out the best goods regarding the type of unsightly stains or perhaps places generally found on your own floor covering. The right items will certainly finish the same job carefully and securely.

Second is always to know the particular forms of equipment you'll need for the work. You can find a myriad of cleansing products on the market, some of which are pricey. However, you are able to obtain the proper gear from a reasonable rate by conducting easy online research. After you have established the technique you want to utilize to wash the carpet, quite simply to choose the proper application for this.

Finally, it's important to master the best cleaning techniques to get the specific kind of floor covering clean. Lots of people find themselves in scenarios where they have the best cleaning real estate agents as well as the right equipment yet do not know the right techniques to perform a great career. The web is a great tool to make use of regarding learning the best carpet cleaning techniques from the experts on their own.

With these 3 items set up, it is very easily feasible to completely clean your floor covering similar to the experts. In case you are not necessarily as well positive about your own abilities, constantly ask for specialist since it is very affordable. Asian Carpet Care NY, any NEW YORK CITY carpet cleaning company, has been providing experienced and dependable carpet cleaning companies to be able to Nyc in the past two decades. Getting the highest, A+, ranking using the BBB, Asian Carpet Attention THE BIG APPLE experienced placed by itself like a very specialist and also reliable Ny carpet cleaning business. Get yourself a FREE On the web Quote or Phone Right now for more details about our own carpet cleaning service.

It really is crucial that you understand that in case you are searching for a good carpet cleaning program, ensure that you confirm their popularity. Discover what various other preceding customers need to point out relating to them. Visit: http://carpetcleaningatlanta1.info for more information regarding locating a recognised carpet cleaning Atl. or simply just investigation by utilizing carpet cleaning Altlanta ga. Once you've it, have a look at their particular system places to find out should they have got insurance plan in which your premises is situated. After that call the quantity to your area in addition to routine a scheduled appointment.

Thursday, December 15, 2011

precisely what to look for when using a professional appliance repair provider Appliance Repair Chicago

Tips on hiring an appliance repair service

1. For just about any choices including buying a major appliance repair corporation, find referrals to begin numerous appliance repair companies by men and women whoever opinions a person confidence, such as your own loved ones and also buddies who've got experiences with selecting appliance repair services ahead of
.

2. Contemplate if at all a lot more cost-effective to be able to basically useless the applying for the brand new one when compared with to have the idea mended by a skilled. No cost rates can even be due to several appliance repair chicago
on the net or higher the unit. Like that, you'll not should ebook a real services call for a tech immediately and get charged expensive fees for just a basic fix that you can actually carry out alone. At this point, you can pre-judge no matter whether you should restore or maybe substitute the particular bad machine
.

3. One more element that will assist you to take into account whether or not you need to hire a specialist appliance repair technical assistant may be the typical life expectancy of product. Perform a small investigating online to determine if your product can be way too previous and when solving it'll try to be a waste regarding income and also time period
.

4. In certain old models of dishwashers, washing machines, along with refrigerators, that they generally an even better high quality on the subject of their own central components in comparison with present low-end versions. Globalization provides resulted to having specific little elements of several home appliances to be stated in mass in many areas on the planet; this brought to the creation involving low-cost, comparatively low-quality central parts. There are a few top notch and intensely tough old-model home equipment that could be value mending
.

5. An effective behave associated with unplugging after that inserting back again an electronic product can on occasion crystal clear the situation intended for small electronic digital failures on washing machines
.

6. Before you get a skilled appliance repair tech into the future above as well as perform this restoration in your case, you may need to look at the search engines for appliance repair instructions that may summarize the problem along with current typical do-it-yourself fixes. On-line machine guides are free of charge and will supply you finish precisely how you can complete minor vehicle repairs for distinct types of equipment
.

7. When you have your knack for doing this as well as will want to complete complex home vehicle repairs by yourself, you have to perform like an expert and wear protection eyeglasses as well as steel-toed safe practices footwear. It's also sound judgment to unplug the appliance first before you begin unscrewing whatever. Sharpened edges are mixed together interior dryers so you must be cautious whenever focusing on a single
.

Why you should hire a professional appliance repair service?

Employing an expert to accomplish a appliance repair can keep people by totally wasting your time and efforts tinkering with this ins and outs of the house machine for you to don't realize. Trying to remedy it alone may even lead to a lot more destruction in your kitchen appliance. You'll find a great number of affordable appliance repair services staying promoted on-line or maybe around the phonebook. You are able to always speak to the right one who are able to fix whichever deterioration equipment possibly you have at home
.

There are particular property product objects that could be additional cost-effective to mend than to exchange. Microwaves, refrigerators, freezers, stoves, dryers, stove tops, and many others. improve each of our regular life; all of us from time to time perhaps find comfort and ease by making use of these. If they receive broken or cease working correctly, getting rid of these people right away in support of the latest just one is probably not economically sound. You can find a lot of cases where the particular deterioration is very bit of a, in support of a number of small adjustments or easy maintenance could make an item be as effective as new all over again
.

Authorities that offer you household fix providers can be obtained on the internet or maybe around the phonebook, in addition to many of them are able to occur around or maybe talk to people within the cell phone to present no cost estimations in doable premiums for solving some house product
.

What to look for when hiring a professional appliance repair service?

Ask through relations and also friends primary pertaining to recommendations. Those whoever thoughts you trust are normally the most beneficial way to obtain facts concerning some other home appliance repair services they have tried out ahead of.

If you work with either the on the internet appliance repair forum or a on the internet advertising of a commercial appliance repair business, then you need to make sure that it says “licensed as well as insured” so that you can make sure that you will be having the companies from a specialized who have underwent any elegant appliance repair training. This company’s express licenses also need to be yet another thing that you need to be cautious about. The actual permission variety really needs to be logical as well as the insurance needs to be updated. Additionally, you must research about how long of which appliance repair firm has been doing organization and also on which places it operates; an organization together with a large amount of neighborhood record is commonly much more trusted because doing so goes by way of particular program plans to hold the specialist standing in the market. Yet another important things never to ignore though searching for a appliance repair service is actually whether or not the company will be outlined in significant world wide web internet directories such as yellowish web pages, Search engines routes, Bing local, for example. The item should be outlined a place; a really unknown one particular might just be a good inexperienced medical or possibly a rip-off. You need to furthermore understand that appliance repair chicago
which usually market greatly may possibly demand a whole lot more than individuals small community people of which really rely a lesser amount of on promoting yet heavy on the word-of-mouth spread with their good mend providers.

For those who have ultimately determined which usually appliance repair company to visit with, chances are you'll inquire pointedly regarding the identify in the tech which will end up being arranging you and also promptly inquire to be able to get in touch with the puppy first. At this stage, it is suggested you request your technical assistant the time he / she continues to be fixing kitchen appliances. Required technician information of the dilemma. Produce every one of the signs and symptoms consequently that they may imagine feasible advantages for the appliance failure. This technician will in all probability provide a few achievable brings about with the equipment difficulty actually previous to he / she offers the opportunity to appear above to your dwelling. Ultimately, look for a great appraisal in the fix expense after getting layed out the problem. A professional pc professional is usually willing to offer you just one

It’s crucial that you keep in mind that when you are searching for a good appliance repair business, make sure to verify their own status. Find out what other earlier customers must say concerning them. Go to: www.aaaasc.com to find out more relating to locating a reputable appliance repair in Chicago or perhaps research by using appliance repair Chicago. Once you have the site, have a look at their service areas to see when they have got insurance coverage exactly where your property is positioned. Then phone the quantity to your region and also schedule a consultation.

Saturday, December 3, 2011

Making Money Without

Friday, December 2, 2011

foreclosure help

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