Saturday, November 20, 2010

Making Money Job

bench craft company rip off

moneytablecashgifting by j91romero


bench craft company rip off

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inquiries you'd like to get answered, read our small.

Fox <b>News</b> Commentators Caught On Camera Mocking Sarah Palin&#39;s Show <b>...</b>

WASHINGTON -- The Fox News channel has been something of a safe haven for Sarah Palin, the type of outlet that provided the former Alaska Governor not only with a friendly audience but similarly kind questions.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...


bench craft company rip off

moneytablecashgifting by j91romero


bench craft company rip off

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inquiries you'd like to get answered, read our small.

Fox <b>News</b> Commentators Caught On Camera Mocking Sarah Palin&#39;s Show <b>...</b>

WASHINGTON -- The Fox News channel has been something of a safe haven for Sarah Palin, the type of outlet that provided the former Alaska Governor not only with a friendly audience but similarly kind questions.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...


bench craft company rip off

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inquiries you'd like to get answered, read our small.

Fox <b>News</b> Commentators Caught On Camera Mocking Sarah Palin&#39;s Show <b>...</b>

WASHINGTON -- The Fox News channel has been something of a safe haven for Sarah Palin, the type of outlet that provided the former Alaska Governor not only with a friendly audience but similarly kind questions.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...


bench craft company rip off

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inquiries you'd like to get answered, read our small.

Fox <b>News</b> Commentators Caught On Camera Mocking Sarah Palin&#39;s Show <b>...</b>

WASHINGTON -- The Fox News channel has been something of a safe haven for Sarah Palin, the type of outlet that provided the former Alaska Governor not only with a friendly audience but similarly kind questions.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...


bench craft company rip off

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inquiries you'd like to get answered, read our small.

Fox <b>News</b> Commentators Caught On Camera Mocking Sarah Palin&#39;s Show <b>...</b>

WASHINGTON -- The Fox News channel has been something of a safe haven for Sarah Palin, the type of outlet that provided the former Alaska Governor not only with a friendly audience but similarly kind questions.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...


bench craft company rip off

moneytablecashgifting by j91romero


bench craft company rip off
bench craft company rip off

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inquiries you'd like to get answered, read our small.

Fox <b>News</b> Commentators Caught On Camera Mocking Sarah Palin&#39;s Show <b>...</b>

WASHINGTON -- The Fox News channel has been something of a safe haven for Sarah Palin, the type of outlet that provided the former Alaska Governor not only with a friendly audience but similarly kind questions.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...


bench craft company rip off

bench craft company rip off

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inquiries you'd like to get answered, read our small.

Fox <b>News</b> Commentators Caught On Camera Mocking Sarah Palin&#39;s Show <b>...</b>

WASHINGTON -- The Fox News channel has been something of a safe haven for Sarah Palin, the type of outlet that provided the former Alaska Governor not only with a friendly audience but similarly kind questions.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...


bench craft company rip off

Small Business <b>News</b>: Questions For Your Business

Everybody has questions when going into or running a business...everybody. If you have some burning inquiries you'd like to get answered, read our small.

Fox <b>News</b> Commentators Caught On Camera Mocking Sarah Palin&#39;s Show <b>...</b>

WASHINGTON -- The Fox News channel has been something of a safe haven for Sarah Palin, the type of outlet that provided the former Alaska Governor not only with a friendly audience but similarly kind questions.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...


bench craft company rip off

Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...

Police <b>News</b> at Steven Landsburg | The Big Questions: Tackling the <b>...</b>

1 Tweets that mention Police News at Steven Landsburg | The Big Questions: Tackling the Problems of Philosophy with Ideas from Mathematics, Economics, and Physics -- Topsy.com. Pingback on Nov 19th, 2010 at 3:23 am. 2 Police News at ...

<b>News</b> Corp developing a tablet-exclusive publication

News Corp Logo Reuters is reporting that News Corp, the world's third-largest media conglomerate, has confirmed they will be releasing a news publication developed specifically for tablet computers like the iPad. "It's a tablet-only ...


bench craft company rip off

Good <b>news</b>: James Bond and Indiana Jones hooking up to fight aliens <b>...</b>

Good news: James Bond and Indiana Jones hooking up to fight aliens.

Police <b>News</b> at Steven Landsburg | The Big Questions: Tackling the <b>...</b>

1 Tweets that mention Police News at Steven Landsburg | The Big Questions: Tackling the Problems of Philosophy with Ideas from Mathematics, Economics, and Physics -- Topsy.com. Pingback on Nov 19th, 2010 at 3:23 am. 2 Police News at ...

Photos Implant &#39;Memories&#39; of Fictional <b>News</b> Events | Smart <b>...</b>

Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.


bench craft company rip off

Lions vs. Cowboys: Good <b>News</b> On The Injury Front; Dez Bryant Is <b>...</b>

The Dallas Cowboys get some veterans back in practice, and Dez Bryant is a violent man.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.


bench craft company rip off

Thursday, November 18, 2010

managing personal finances

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

id="more-58352">

How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

style="text-align: center;">

Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

style="text-align: center;">

Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

style="text-align: center;">

A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

style="text-align: center;">

To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

style="text-align: center;">

Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema


A survey released today by Javelin Strategy & Research, which serves financial institutions, found in August that nearly one in five Americans doesn't monitor or manage their personal finances. That rate is double what it was just a year ago. Despite the fact the recession has made it more important than ever to carefully track our money, when it comes to personal finances, 19% of Americans stuck their head in the sand. A year before, another survey had the figure at just 8%.



More anxiety-induced news: The percentage of Americans who say they sometimes log onto their checking account balances with their banks' websites dropped to 46%, down 13 points from 59% a year ago. Even those who track their money by pen and paper dropped, from 50% to 46%.




"It's a natural human reaction to stress: 'Maybe if I don't look at it, it will go away.'" explains the study's co-author, senior analyst Mark Schwanhausser. "I think you have fewer people checking their finances online because they don't like what they're seeing. 'I'm going to be a financial sleepwalker. I'm not going to look.'"



Schwanhausser's prescription for the problem involves convincing America's major financial institutions that they're doing a lousy job helping make it easier and less stressful for their customers to track their money. "It's not enough to tell you how to fix the toilet," he says. "You've got to have the wrench."



Yet despite the fact that most Americans' money resides at a bank, few banks are interested in furnishing financial planning tools. Right now, Schwanhausser argues, most people are required to log into a wide variety of websites to track their money. For example, 75% of Americans who have a credit card get it from somewhere other than their primary bank, meaning their finances are scattered across many websites, unreconciled.



When people do turn to their bank's websites, he argues, the financial planning tools are nearly non-existent despite the fact our society increasingly demands greater personal control through technology. "Today's online banking is like having avocado green appliances from the 1970s. It just doesn't cut it," says Schwanhausser.



Schwanhausser is using the survey to convince banks that it will actually endear customers to them if they put personal finance tools front and center on their sites, helping customers paint a clear picture of their own financial habits. He's pressing them to develop systems, both on the Web and through mobile apps, that can draw in customers' information from other sites, such as credit cards and mortgage lenders, so financial care-taking can be a one-stop process.



So far, banks and lenders have been slow to use existing technology to make money management a less daunting chore. Part of the issue is that many banks don't want to acknowledge competitors by drawing in account balances from elsewhere. Banks also stand to make money off poor financial planning through penalties and fees. Like a doctor who makes money off treating disease, promoting financial good health does not on the surface appear to be in a bank's best interest.



"You can't manage what you don't measure," says Schwanhausser. "And if the bank's not going to provide it for you, you have to go get it in other places."



He recommends existing aggregators such as Mint.com, which pulls your data from multiple sources and lays it out in spreadsheets and in spending plans, as a model for what all the banks should be doing for their customers.



He also notes that Bank of America's "My Portfolio" and Wells Fargo's "My Savings Plan" are two fledgling, if little-known, bank-created features that are slowly reaching toward the sort of comprehensive personal finance planning features he advocates.



As long as it remains difficult or scary, though, when it comes to their finances, Americans will remain more likely to use the Ostrich Method.
bench craft company scam

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Sen. Rockefeller: FCC should shut down Fox <b>News</b> and MSNBC « Hot Air

You see, Rockefeller says he hungers for quality news and believes that the FCC should play a part in facilitating that end. He believes that without the extremes of Fox News and MSNBC, the American people would have more faith in their ...


benchcraft company scam

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

id="more-58352">

How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

style="text-align: center;">

Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

style="text-align: center;">

Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

style="text-align: center;">

A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

style="text-align: center;">

To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

style="text-align: center;">

Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema


A survey released today by Javelin Strategy & Research, which serves financial institutions, found in August that nearly one in five Americans doesn't monitor or manage their personal finances. That rate is double what it was just a year ago. Despite the fact the recession has made it more important than ever to carefully track our money, when it comes to personal finances, 19% of Americans stuck their head in the sand. A year before, another survey had the figure at just 8%.



More anxiety-induced news: The percentage of Americans who say they sometimes log onto their checking account balances with their banks' websites dropped to 46%, down 13 points from 59% a year ago. Even those who track their money by pen and paper dropped, from 50% to 46%.




"It's a natural human reaction to stress: 'Maybe if I don't look at it, it will go away.'" explains the study's co-author, senior analyst Mark Schwanhausser. "I think you have fewer people checking their finances online because they don't like what they're seeing. 'I'm going to be a financial sleepwalker. I'm not going to look.'"



Schwanhausser's prescription for the problem involves convincing America's major financial institutions that they're doing a lousy job helping make it easier and less stressful for their customers to track their money. "It's not enough to tell you how to fix the toilet," he says. "You've got to have the wrench."



Yet despite the fact that most Americans' money resides at a bank, few banks are interested in furnishing financial planning tools. Right now, Schwanhausser argues, most people are required to log into a wide variety of websites to track their money. For example, 75% of Americans who have a credit card get it from somewhere other than their primary bank, meaning their finances are scattered across many websites, unreconciled.



When people do turn to their bank's websites, he argues, the financial planning tools are nearly non-existent despite the fact our society increasingly demands greater personal control through technology. "Today's online banking is like having avocado green appliances from the 1970s. It just doesn't cut it," says Schwanhausser.



Schwanhausser is using the survey to convince banks that it will actually endear customers to them if they put personal finance tools front and center on their sites, helping customers paint a clear picture of their own financial habits. He's pressing them to develop systems, both on the Web and through mobile apps, that can draw in customers' information from other sites, such as credit cards and mortgage lenders, so financial care-taking can be a one-stop process.



So far, banks and lenders have been slow to use existing technology to make money management a less daunting chore. Part of the issue is that many banks don't want to acknowledge competitors by drawing in account balances from elsewhere. Banks also stand to make money off poor financial planning through penalties and fees. Like a doctor who makes money off treating disease, promoting financial good health does not on the surface appear to be in a bank's best interest.



"You can't manage what you don't measure," says Schwanhausser. "And if the bank's not going to provide it for you, you have to go get it in other places."



He recommends existing aggregators such as Mint.com, which pulls your data from multiple sources and lays it out in spreadsheets and in spending plans, as a model for what all the banks should be doing for their customers.



He also notes that Bank of America's "My Portfolio" and Wells Fargo's "My Savings Plan" are two fledgling, if little-known, bank-created features that are slowly reaching toward the sort of comprehensive personal finance planning features he advocates.



As long as it remains difficult or scary, though, when it comes to their finances, Americans will remain more likely to use the Ostrich Method.
benchcraft company scam

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Sen. Rockefeller: FCC should shut down Fox <b>News</b> and MSNBC « Hot Air

You see, Rockefeller says he hungers for quality news and believes that the FCC should play a part in facilitating that end. He believes that without the extremes of Fox News and MSNBC, the American people would have more faith in their ...


bench craft company scam

bench craft company scam

MABUHAY ALLIANCE HOST THE 6TH ANNUAL ECONOMIC DEVELOPMENT CONFERENCE by mabuhayalliance


bench craft company scam

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Sen. Rockefeller: FCC should shut down Fox <b>News</b> and MSNBC « Hot Air

You see, Rockefeller says he hungers for quality news and believes that the FCC should play a part in facilitating that end. He believes that without the extremes of Fox News and MSNBC, the American people would have more faith in their ...


bench craft company scam

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

id="more-58352">

How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

style="text-align: center;">

Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

style="text-align: center;">

Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

style="text-align: center;">

A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

style="text-align: center;">

To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

style="text-align: center;">

Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema


A survey released today by Javelin Strategy & Research, which serves financial institutions, found in August that nearly one in five Americans doesn't monitor or manage their personal finances. That rate is double what it was just a year ago. Despite the fact the recession has made it more important than ever to carefully track our money, when it comes to personal finances, 19% of Americans stuck their head in the sand. A year before, another survey had the figure at just 8%.



More anxiety-induced news: The percentage of Americans who say they sometimes log onto their checking account balances with their banks' websites dropped to 46%, down 13 points from 59% a year ago. Even those who track their money by pen and paper dropped, from 50% to 46%.




"It's a natural human reaction to stress: 'Maybe if I don't look at it, it will go away.'" explains the study's co-author, senior analyst Mark Schwanhausser. "I think you have fewer people checking their finances online because they don't like what they're seeing. 'I'm going to be a financial sleepwalker. I'm not going to look.'"



Schwanhausser's prescription for the problem involves convincing America's major financial institutions that they're doing a lousy job helping make it easier and less stressful for their customers to track their money. "It's not enough to tell you how to fix the toilet," he says. "You've got to have the wrench."



Yet despite the fact that most Americans' money resides at a bank, few banks are interested in furnishing financial planning tools. Right now, Schwanhausser argues, most people are required to log into a wide variety of websites to track their money. For example, 75% of Americans who have a credit card get it from somewhere other than their primary bank, meaning their finances are scattered across many websites, unreconciled.



When people do turn to their bank's websites, he argues, the financial planning tools are nearly non-existent despite the fact our society increasingly demands greater personal control through technology. "Today's online banking is like having avocado green appliances from the 1970s. It just doesn't cut it," says Schwanhausser.



Schwanhausser is using the survey to convince banks that it will actually endear customers to them if they put personal finance tools front and center on their sites, helping customers paint a clear picture of their own financial habits. He's pressing them to develop systems, both on the Web and through mobile apps, that can draw in customers' information from other sites, such as credit cards and mortgage lenders, so financial care-taking can be a one-stop process.



So far, banks and lenders have been slow to use existing technology to make money management a less daunting chore. Part of the issue is that many banks don't want to acknowledge competitors by drawing in account balances from elsewhere. Banks also stand to make money off poor financial planning through penalties and fees. Like a doctor who makes money off treating disease, promoting financial good health does not on the surface appear to be in a bank's best interest.



"You can't manage what you don't measure," says Schwanhausser. "And if the bank's not going to provide it for you, you have to go get it in other places."



He recommends existing aggregators such as Mint.com, which pulls your data from multiple sources and lays it out in spreadsheets and in spending plans, as a model for what all the banks should be doing for their customers.



He also notes that Bank of America's "My Portfolio" and Wells Fargo's "My Savings Plan" are two fledgling, if little-known, bank-created features that are slowly reaching toward the sort of comprehensive personal finance planning features he advocates.



As long as it remains difficult or scary, though, when it comes to their finances, Americans will remain more likely to use the Ostrich Method.
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MABUHAY ALLIANCE HOST THE 6TH ANNUAL ECONOMIC DEVELOPMENT CONFERENCE by mabuhayalliance


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Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Sen. Rockefeller: FCC should shut down Fox <b>News</b> and MSNBC « Hot Air

You see, Rockefeller says he hungers for quality news and believes that the FCC should play a part in facilitating that end. He believes that without the extremes of Fox News and MSNBC, the American people would have more faith in their ...


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MABUHAY ALLIANCE HOST THE 6TH ANNUAL ECONOMIC DEVELOPMENT CONFERENCE by mabuhayalliance


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Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Sen. Rockefeller: FCC should shut down Fox <b>News</b> and MSNBC « Hot Air

You see, Rockefeller says he hungers for quality news and believes that the FCC should play a part in facilitating that end. He believes that without the extremes of Fox News and MSNBC, the American people would have more faith in their ...


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Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Sen. Rockefeller: FCC should shut down Fox <b>News</b> and MSNBC « Hot Air

You see, Rockefeller says he hungers for quality news and believes that the FCC should play a part in facilitating that end. He believes that without the extremes of Fox News and MSNBC, the American people would have more faith in their ...


bench craft company scam

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Sen. Rockefeller: FCC should shut down Fox <b>News</b> and MSNBC « Hot Air

You see, Rockefeller says he hungers for quality news and believes that the FCC should play a part in facilitating that end. He believes that without the extremes of Fox News and MSNBC, the American people would have more faith in their ...


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MABUHAY ALLIANCE HOST THE 6TH ANNUAL ECONOMIC DEVELOPMENT CONFERENCE by mabuhayalliance


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Wednesday, November 17, 2010

Being Right or Making Money


Talking of “Bush tax cuts” at this point, as so many seem to do when discussing the change in tax policy set to go into force this coming New Years Day, is beyond absurd.  What’s coming on Jan. 1, 2011 is the Obama Tax Increase — no less than the largest tax increase in our history, courtesy of a president who, last Tax Day, declared that working Americans should be “saying thank you” for the hefty check they had to write Uncle Sam in order to support the eternally vacationing president and his increasingly out-of-control federal bureaucracy.


At a time when copious amounts of smoke and mirrors are required to even create the illusion of an economic recovery in this country, the Obama tax increases are a disaster in the making that will drive the “progressive” knife further into the backs of the American working man and woman.


In their zealous, rigidly ideological desire to both fund their pet programs (like the $800 billion ”porkulus” project) and lavish state trips and to punish the nefarious “rich” who dared to be successful in a country built on merit-based reward, the president and his party — neither of whom are particularly perceptive when it comes to unintended consequences — are setting up the working class not only for an increase in taxes, but a decrease once again in employment and profitability.


The Obama Tax Increases aren’t, of course, limited just to those eeeevil “rich.” Rather, they will directly affect every American who currently pays into our bloated federal system, and in more than one way.


Back in July, Americans for Tax Reform released an outstanding one-pager on what we can expect when the Obama Tax Increases kick in January 1. Here are a few highlights:


- 10% [income tax] bracket rises to an expanded 15%

- The 25% bracket rises to 28%

- The 28% bracket rises to 31%

- The 33% bracket rises to 36%

- The 35% bracket rises to 39.6%


The marriage penalty will be expanded and the child tax credit reduced, and “the capital gains tax will rise from 15 percent this year to 20 percent in 2011. The dividends tax will rise from 15 percent this year to 39.6 percent in 2011. These rates will rise another 3.8 percent in 2013″ (ATR, same citation). Adding further insult and hardship to this is the return of the Death Tax, which is set to jump from 0 to 55%, meaning that over half of what you leave to your children when you die will go directly into Barack Obama and the Federal Government’s pockets. It may be time to start hiding that inheritance cash under a mattress or loose floorboard, unless you really do wish to will Obama & Co. as many rounds of golf and $200m/day Indian vacations as half-plus-five of your legacy can purchase.


The ramifications of the Obama Tax Increases for working class Americans are not limited to money being directly lifted from their paychecks and investment returns by the federal government, though. The fact is, even if the tax increases on the low and middle income portion of the work force (arguable and elastic designations both) are done away with by a lame duck session of the Democrat-led 111th Congress, and increases are put in place only for the “rich,” money — and, worse, jobs — will still be taken directly from working class Americans.


In June, economist Arthur Laffer wrote the following about the looming Obama Tax Increase:


…if people know tax rates will be higher next year than they are this year, what will those people do this year? They will shift production and income out of next year into this year to the extent possible. As a result, income this year has already been inflated above where it otherwise should be and next year, 2011, income will be lower than it otherwise should be.


Also, the prospect of rising prices, higher interest rates and more regulations next year will further entice demand and supply to be shifted from 2011 into 2010. In my view, this shift of income and demand is a major reason that the economy in 2010 has appeared as strong as it has. When we pass the tax boundary of Jan. 1, 2011, my best guess is that the train goes off the tracks and we get our worst nightmare of a severe “double dip” recession.


This was put much more casually and accessibly by Senator-elect Rand Paul (R-KY) on Tuesday night, when he responded to Wolf Blitzer’s on-air inquiry about the wisdom of a tax increase “on only the wealthiest Americans — those making $250,000 a year or more.” Paul said (paraphrase), “We all make a living working for, or selling things to, ‘rich’ people,” so taking more money out of their pockets directly affects the people whose livelihoods depend on that work and those sales.


Spot on.


Unfortunately, extravagant vacations and failed spending programs require capital — and the easiest way for the current administration to gain that is to simply take more of it, at the point of a gun, from the people who currently have it.


As Nathan Wurtzel wrote Wednesday on Twitter, following the president’s amazingly out-of-touch post-election press conference, “People who are scared of freedom bitterly cling to their government and spending” — a play (albeit a true one) on the ivory tower president’s campaign statement that when those wrong-headed, uneducated Americans “get bitter, they cling to guns or religion or antipathy to people who aren’t like them or anti-immigrant sentiment or anti-trade sentiment as a way to explain their frustration.”


Given the penchant this president and his party have already shown for thumbing their collective nose at the wishes of the American people (on the “stimulus,” on Obamacare, etc.), and for referring to those who dare question their policies as “unpatriotic, “dangerous to our democracy” and “our enemies,” it should be no surprise that the outcry of the citizenry, demonstrated both in protests and at the ballot box, would be swept aside by “progressives” who clearly believe they simply know better than everybody else what this country and its people need.





Tom Perriello always knew it would be hard to hold his seat in Congress. The progressive Democrat from Albemarle County, Va. represents a district designed to nullify liberal votes with a wide swath of conservative countryside. He was elected in 2008, riding President Obama’s coattails to victory by just 727 votes. He does not represent a swing district--he is a committed progressive in a solidly Republican district. But unlike his Blue Dog contemporaries, Perriello has voted like a progressive for the past two years. And unlike many Blue Dogs, he might actually pull out a victory tomorrow night, even in the face of a Republican wave fueled by double-digit unemployment. The mere fact that he’s in the running is a stunning accomplishment.


I lived in Perriello’s district for eight years before moving to Washington, D.C. this summer. For mountains, majesty, and rock ‘n roll, it simply can’t be beat. But there were problems, namely persistent racial tensions, a lousy economy and politicians who perpetuated these two troubles. For all but the last two years we were represented by Virgil Goode, a conservative Republican and unabashed bigot. Years before Fox News made Islamophobia a mainstream political view, Goode was openly attacking Rep. Keith Ellison, D-Minn., on the grounds that he was – gasp!—a Muslim. Goode cruised to re-election every cycle, easily surviving the 2006 Democratic wave, despite being a Bush-backing war-monger in a year when voters were rejecting both Bush and his war in Iraq.


I lived in Charlottesville, a tiny outcropping of progressive politics at the northern tip of the Fifth District. From Charlottesville, the district fans out directly to the rural south, extending all the way to the North Carolina border. It’s a two-and-a-half hour drive straight south from Charlottesville to Danville, three hours southwest to Collinsville or southeast to Brunswick. All four towns are in the same district. Just 40,000 people live in Charlottesville—120,000 if you include Albemarle County (which is not as progressive as “the city”). But the district as a whole includes nearly 650,000 people, most of it tiny towns and farmland, and most of its inhabitants Republicans. Jerry Falwell’s right-wing conservative Christian enclave Liberty University is smack in the middle of Perriello country.


Conventional wisdom dictates that Democratic politicians in such districts vote like Republicans. Otherwise, a Republican runs against you, points out that you’re not a Republican, and beats you.


But Perriello decided to take a different tack when he was elected. Instead of capitulating to policies and votes he didn’t believe in, he would do what he thought was right, and make an aggressive case to voters that he was, in fact, right.


On every major vote in the past two years, Perriello voted with progressives, at times even voting against President Obama on the grounds that his policies were not progressive enough. He voted for healthcare reform and the stimulus package, but he voted against Wall Street reform because it didn’t hit the big banks hard enough, and he voted against disbursing the second round of bailout money to the banks (he wasn’t in office when the bank bailout was approved).


He never apologized for these votes or caved to right-wing rhetorical frames, and he hit the road to campaign on his record, explaining his positions directly to voters. This was old-school campaigning, and it wasn’t glamorous—trekking from Danville to Martinsville to Charlottesville every week, making speeches, shaking hands and answering questions in town-hall meetings. But Perriello is not your standard politician waiting for a cushy lobbyist job. He has a deep background in social justice work—he’s in Congress because he wants to make a difference, not to score a sweet paycheck.


All of that campaigning has paid off. Voters are pissed off this year. They’ve watched Wall Street profits soar on the back of a taxpayer-financed bailout, even as ordinary Americans have been laid off by the millions. Whether Republicans take control of the House tomorrow night or not, they will certainly make big gains as voters reject policymakers who cater to big banks while failing to tackle the jobs problem—either out of political cowardice or ideological blindness.


But Perriello is holding even with Republican challenger Robert Hurt. The fact that Perriello even has a chance in this election ought to be viewed as something of a miracle. Or maybe it’s just good governing, combined with good politics.


Tim Fernholz almost gets it right in his profile of Perriello for The American Prospect. But he misses the mark with this comment, which is going to be echoed by the Beltway establishment on Wednesday morning, however the race turns out:


“If Perriello can beat the odds tomorrow, it is not only his reputation, and the president's, that will be burnished . . . . Should he lose, the voices who call for a more timid Democratic Party will have a point in their favor.”


This is wrong. Perriello won in 2008 by just 727 votes. Any Democrat who entered office by so slim a margin is almost certain to lose this year. By any conventional political analysis, Perriello should be getting trounced He faces a massive voter registration disadvantage, representing a district that is designed to crush progressive voices during what is expected to be a wave election for Republicans, amid strong anti-incumbent attitudes sparked by high unemployment. But he’s holding even. That’s incredible. Even if things go well for Democrats tomorrow, and they hold the House, candidates in much safer districts than Perreillo’s are going to lose.


The Perriello lesson, in other words, is already clear. Whether he wins or loses on November 2, having the courage to govern by his convictions and do real work to sell those policies has paid off. It might not get him re-elected. But in an all-but-impossible district, losing close sends a clear signal to actual swing districts. Governing like a pretend-Republican only reinforces the Republican world-view and aligns voters against you. If you want to have a chance, you have to stand for something. Tom Perriello stood for something these past two years, and even if it can’t overcome a terrible economy to win him two more years, the political establishment should take heart.



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More Bad <b>News</b> for Obama 2012: Catholics Elect Dolan - Swampland <b>...</b>

Corrected Nov. 17: The Catholic bishops' surprise election yesterday of New York's Archbishop Timothy M. Dolan as their president is more bad news for Obama in 2012.

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

360-exclusive Fallout: NV DLC revealed Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of 360-exclusive Fallout: NV DLC revealed.


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Talking of “Bush tax cuts” at this point, as so many seem to do when discussing the change in tax policy set to go into force this coming New Years Day, is beyond absurd.  What’s coming on Jan. 1, 2011 is the Obama Tax Increase — no less than the largest tax increase in our history, courtesy of a president who, last Tax Day, declared that working Americans should be “saying thank you” for the hefty check they had to write Uncle Sam in order to support the eternally vacationing president and his increasingly out-of-control federal bureaucracy.


At a time when copious amounts of smoke and mirrors are required to even create the illusion of an economic recovery in this country, the Obama tax increases are a disaster in the making that will drive the “progressive” knife further into the backs of the American working man and woman.


In their zealous, rigidly ideological desire to both fund their pet programs (like the $800 billion ”porkulus” project) and lavish state trips and to punish the nefarious “rich” who dared to be successful in a country built on merit-based reward, the president and his party — neither of whom are particularly perceptive when it comes to unintended consequences — are setting up the working class not only for an increase in taxes, but a decrease once again in employment and profitability.


The Obama Tax Increases aren’t, of course, limited just to those eeeevil “rich.” Rather, they will directly affect every American who currently pays into our bloated federal system, and in more than one way.


Back in July, Americans for Tax Reform released an outstanding one-pager on what we can expect when the Obama Tax Increases kick in January 1. Here are a few highlights:


- 10% [income tax] bracket rises to an expanded 15%

- The 25% bracket rises to 28%

- The 28% bracket rises to 31%

- The 33% bracket rises to 36%

- The 35% bracket rises to 39.6%


The marriage penalty will be expanded and the child tax credit reduced, and “the capital gains tax will rise from 15 percent this year to 20 percent in 2011. The dividends tax will rise from 15 percent this year to 39.6 percent in 2011. These rates will rise another 3.8 percent in 2013″ (ATR, same citation). Adding further insult and hardship to this is the return of the Death Tax, which is set to jump from 0 to 55%, meaning that over half of what you leave to your children when you die will go directly into Barack Obama and the Federal Government’s pockets. It may be time to start hiding that inheritance cash under a mattress or loose floorboard, unless you really do wish to will Obama & Co. as many rounds of golf and $200m/day Indian vacations as half-plus-five of your legacy can purchase.


The ramifications of the Obama Tax Increases for working class Americans are not limited to money being directly lifted from their paychecks and investment returns by the federal government, though. The fact is, even if the tax increases on the low and middle income portion of the work force (arguable and elastic designations both) are done away with by a lame duck session of the Democrat-led 111th Congress, and increases are put in place only for the “rich,” money — and, worse, jobs — will still be taken directly from working class Americans.


In June, economist Arthur Laffer wrote the following about the looming Obama Tax Increase:


…if people know tax rates will be higher next year than they are this year, what will those people do this year? They will shift production and income out of next year into this year to the extent possible. As a result, income this year has already been inflated above where it otherwise should be and next year, 2011, income will be lower than it otherwise should be.


Also, the prospect of rising prices, higher interest rates and more regulations next year will further entice demand and supply to be shifted from 2011 into 2010. In my view, this shift of income and demand is a major reason that the economy in 2010 has appeared as strong as it has. When we pass the tax boundary of Jan. 1, 2011, my best guess is that the train goes off the tracks and we get our worst nightmare of a severe “double dip” recession.


This was put much more casually and accessibly by Senator-elect Rand Paul (R-KY) on Tuesday night, when he responded to Wolf Blitzer’s on-air inquiry about the wisdom of a tax increase “on only the wealthiest Americans — those making $250,000 a year or more.” Paul said (paraphrase), “We all make a living working for, or selling things to, ‘rich’ people,” so taking more money out of their pockets directly affects the people whose livelihoods depend on that work and those sales.


Spot on.


Unfortunately, extravagant vacations and failed spending programs require capital — and the easiest way for the current administration to gain that is to simply take more of it, at the point of a gun, from the people who currently have it.


As Nathan Wurtzel wrote Wednesday on Twitter, following the president’s amazingly out-of-touch post-election press conference, “People who are scared of freedom bitterly cling to their government and spending” — a play (albeit a true one) on the ivory tower president’s campaign statement that when those wrong-headed, uneducated Americans “get bitter, they cling to guns or religion or antipathy to people who aren’t like them or anti-immigrant sentiment or anti-trade sentiment as a way to explain their frustration.”


Given the penchant this president and his party have already shown for thumbing their collective nose at the wishes of the American people (on the “stimulus,” on Obamacare, etc.), and for referring to those who dare question their policies as “unpatriotic, “dangerous to our democracy” and “our enemies,” it should be no surprise that the outcry of the citizenry, demonstrated both in protests and at the ballot box, would be swept aside by “progressives” who clearly believe they simply know better than everybody else what this country and its people need.





Tom Perriello always knew it would be hard to hold his seat in Congress. The progressive Democrat from Albemarle County, Va. represents a district designed to nullify liberal votes with a wide swath of conservative countryside. He was elected in 2008, riding President Obama’s coattails to victory by just 727 votes. He does not represent a swing district--he is a committed progressive in a solidly Republican district. But unlike his Blue Dog contemporaries, Perriello has voted like a progressive for the past two years. And unlike many Blue Dogs, he might actually pull out a victory tomorrow night, even in the face of a Republican wave fueled by double-digit unemployment. The mere fact that he’s in the running is a stunning accomplishment.


I lived in Perriello’s district for eight years before moving to Washington, D.C. this summer. For mountains, majesty, and rock ‘n roll, it simply can’t be beat. But there were problems, namely persistent racial tensions, a lousy economy and politicians who perpetuated these two troubles. For all but the last two years we were represented by Virgil Goode, a conservative Republican and unabashed bigot. Years before Fox News made Islamophobia a mainstream political view, Goode was openly attacking Rep. Keith Ellison, D-Minn., on the grounds that he was – gasp!—a Muslim. Goode cruised to re-election every cycle, easily surviving the 2006 Democratic wave, despite being a Bush-backing war-monger in a year when voters were rejecting both Bush and his war in Iraq.


I lived in Charlottesville, a tiny outcropping of progressive politics at the northern tip of the Fifth District. From Charlottesville, the district fans out directly to the rural south, extending all the way to the North Carolina border. It’s a two-and-a-half hour drive straight south from Charlottesville to Danville, three hours southwest to Collinsville or southeast to Brunswick. All four towns are in the same district. Just 40,000 people live in Charlottesville—120,000 if you include Albemarle County (which is not as progressive as “the city”). But the district as a whole includes nearly 650,000 people, most of it tiny towns and farmland, and most of its inhabitants Republicans. Jerry Falwell’s right-wing conservative Christian enclave Liberty University is smack in the middle of Perriello country.


Conventional wisdom dictates that Democratic politicians in such districts vote like Republicans. Otherwise, a Republican runs against you, points out that you’re not a Republican, and beats you.


But Perriello decided to take a different tack when he was elected. Instead of capitulating to policies and votes he didn’t believe in, he would do what he thought was right, and make an aggressive case to voters that he was, in fact, right.


On every major vote in the past two years, Perriello voted with progressives, at times even voting against President Obama on the grounds that his policies were not progressive enough. He voted for healthcare reform and the stimulus package, but he voted against Wall Street reform because it didn’t hit the big banks hard enough, and he voted against disbursing the second round of bailout money to the banks (he wasn’t in office when the bank bailout was approved).


He never apologized for these votes or caved to right-wing rhetorical frames, and he hit the road to campaign on his record, explaining his positions directly to voters. This was old-school campaigning, and it wasn’t glamorous—trekking from Danville to Martinsville to Charlottesville every week, making speeches, shaking hands and answering questions in town-hall meetings. But Perriello is not your standard politician waiting for a cushy lobbyist job. He has a deep background in social justice work—he’s in Congress because he wants to make a difference, not to score a sweet paycheck.


All of that campaigning has paid off. Voters are pissed off this year. They’ve watched Wall Street profits soar on the back of a taxpayer-financed bailout, even as ordinary Americans have been laid off by the millions. Whether Republicans take control of the House tomorrow night or not, they will certainly make big gains as voters reject policymakers who cater to big banks while failing to tackle the jobs problem—either out of political cowardice or ideological blindness.


But Perriello is holding even with Republican challenger Robert Hurt. The fact that Perriello even has a chance in this election ought to be viewed as something of a miracle. Or maybe it’s just good governing, combined with good politics.


Tim Fernholz almost gets it right in his profile of Perriello for The American Prospect. But he misses the mark with this comment, which is going to be echoed by the Beltway establishment on Wednesday morning, however the race turns out:


“If Perriello can beat the odds tomorrow, it is not only his reputation, and the president's, that will be burnished . . . . Should he lose, the voices who call for a more timid Democratic Party will have a point in their favor.”


This is wrong. Perriello won in 2008 by just 727 votes. Any Democrat who entered office by so slim a margin is almost certain to lose this year. By any conventional political analysis, Perriello should be getting trounced He faces a massive voter registration disadvantage, representing a district that is designed to crush progressive voices during what is expected to be a wave election for Republicans, amid strong anti-incumbent attitudes sparked by high unemployment. But he’s holding even. That’s incredible. Even if things go well for Democrats tomorrow, and they hold the House, candidates in much safer districts than Perreillo’s are going to lose.


The Perriello lesson, in other words, is already clear. Whether he wins or loses on November 2, having the courage to govern by his convictions and do real work to sell those policies has paid off. It might not get him re-elected. But in an all-but-impossible district, losing close sends a clear signal to actual swing districts. Governing like a pretend-Republican only reinforces the Republican world-view and aligns voters against you. If you want to have a chance, you have to stand for something. Tom Perriello stood for something these past two years, and even if it can’t overcome a terrible economy to win him two more years, the political establishment should take heart.



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More Bad <b>News</b> for Obama 2012: Catholics Elect Dolan - Swampland <b>...</b>

Corrected Nov. 17: The Catholic bishops' surprise election yesterday of New York's Archbishop Timothy M. Dolan as their president is more bad news for Obama in 2012.

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

360-exclusive Fallout: NV DLC revealed Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of 360-exclusive Fallout: NV DLC revealed.


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More Bad <b>News</b> for Obama 2012: Catholics Elect Dolan - Swampland <b>...</b>

Corrected Nov. 17: The Catholic bishops' surprise election yesterday of New York's Archbishop Timothy M. Dolan as their president is more bad news for Obama in 2012.

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

360-exclusive Fallout: NV DLC revealed Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of 360-exclusive Fallout: NV DLC revealed.


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Talking of “Bush tax cuts” at this point, as so many seem to do when discussing the change in tax policy set to go into force this coming New Years Day, is beyond absurd.  What’s coming on Jan. 1, 2011 is the Obama Tax Increase — no less than the largest tax increase in our history, courtesy of a president who, last Tax Day, declared that working Americans should be “saying thank you” for the hefty check they had to write Uncle Sam in order to support the eternally vacationing president and his increasingly out-of-control federal bureaucracy.


At a time when copious amounts of smoke and mirrors are required to even create the illusion of an economic recovery in this country, the Obama tax increases are a disaster in the making that will drive the “progressive” knife further into the backs of the American working man and woman.


In their zealous, rigidly ideological desire to both fund their pet programs (like the $800 billion ”porkulus” project) and lavish state trips and to punish the nefarious “rich” who dared to be successful in a country built on merit-based reward, the president and his party — neither of whom are particularly perceptive when it comes to unintended consequences — are setting up the working class not only for an increase in taxes, but a decrease once again in employment and profitability.


The Obama Tax Increases aren’t, of course, limited just to those eeeevil “rich.” Rather, they will directly affect every American who currently pays into our bloated federal system, and in more than one way.


Back in July, Americans for Tax Reform released an outstanding one-pager on what we can expect when the Obama Tax Increases kick in January 1. Here are a few highlights:


- 10% [income tax] bracket rises to an expanded 15%

- The 25% bracket rises to 28%

- The 28% bracket rises to 31%

- The 33% bracket rises to 36%

- The 35% bracket rises to 39.6%


The marriage penalty will be expanded and the child tax credit reduced, and “the capital gains tax will rise from 15 percent this year to 20 percent in 2011. The dividends tax will rise from 15 percent this year to 39.6 percent in 2011. These rates will rise another 3.8 percent in 2013″ (ATR, same citation). Adding further insult and hardship to this is the return of the Death Tax, which is set to jump from 0 to 55%, meaning that over half of what you leave to your children when you die will go directly into Barack Obama and the Federal Government’s pockets. It may be time to start hiding that inheritance cash under a mattress or loose floorboard, unless you really do wish to will Obama & Co. as many rounds of golf and $200m/day Indian vacations as half-plus-five of your legacy can purchase.


The ramifications of the Obama Tax Increases for working class Americans are not limited to money being directly lifted from their paychecks and investment returns by the federal government, though. The fact is, even if the tax increases on the low and middle income portion of the work force (arguable and elastic designations both) are done away with by a lame duck session of the Democrat-led 111th Congress, and increases are put in place only for the “rich,” money — and, worse, jobs — will still be taken directly from working class Americans.


In June, economist Arthur Laffer wrote the following about the looming Obama Tax Increase:


…if people know tax rates will be higher next year than they are this year, what will those people do this year? They will shift production and income out of next year into this year to the extent possible. As a result, income this year has already been inflated above where it otherwise should be and next year, 2011, income will be lower than it otherwise should be.


Also, the prospect of rising prices, higher interest rates and more regulations next year will further entice demand and supply to be shifted from 2011 into 2010. In my view, this shift of income and demand is a major reason that the economy in 2010 has appeared as strong as it has. When we pass the tax boundary of Jan. 1, 2011, my best guess is that the train goes off the tracks and we get our worst nightmare of a severe “double dip” recession.


This was put much more casually and accessibly by Senator-elect Rand Paul (R-KY) on Tuesday night, when he responded to Wolf Blitzer’s on-air inquiry about the wisdom of a tax increase “on only the wealthiest Americans — those making $250,000 a year or more.” Paul said (paraphrase), “We all make a living working for, or selling things to, ‘rich’ people,” so taking more money out of their pockets directly affects the people whose livelihoods depend on that work and those sales.


Spot on.


Unfortunately, extravagant vacations and failed spending programs require capital — and the easiest way for the current administration to gain that is to simply take more of it, at the point of a gun, from the people who currently have it.


As Nathan Wurtzel wrote Wednesday on Twitter, following the president’s amazingly out-of-touch post-election press conference, “People who are scared of freedom bitterly cling to their government and spending” — a play (albeit a true one) on the ivory tower president’s campaign statement that when those wrong-headed, uneducated Americans “get bitter, they cling to guns or religion or antipathy to people who aren’t like them or anti-immigrant sentiment or anti-trade sentiment as a way to explain their frustration.”


Given the penchant this president and his party have already shown for thumbing their collective nose at the wishes of the American people (on the “stimulus,” on Obamacare, etc.), and for referring to those who dare question their policies as “unpatriotic, “dangerous to our democracy” and “our enemies,” it should be no surprise that the outcry of the citizenry, demonstrated both in protests and at the ballot box, would be swept aside by “progressives” who clearly believe they simply know better than everybody else what this country and its people need.





Tom Perriello always knew it would be hard to hold his seat in Congress. The progressive Democrat from Albemarle County, Va. represents a district designed to nullify liberal votes with a wide swath of conservative countryside. He was elected in 2008, riding President Obama’s coattails to victory by just 727 votes. He does not represent a swing district--he is a committed progressive in a solidly Republican district. But unlike his Blue Dog contemporaries, Perriello has voted like a progressive for the past two years. And unlike many Blue Dogs, he might actually pull out a victory tomorrow night, even in the face of a Republican wave fueled by double-digit unemployment. The mere fact that he’s in the running is a stunning accomplishment.


I lived in Perriello’s district for eight years before moving to Washington, D.C. this summer. For mountains, majesty, and rock ‘n roll, it simply can’t be beat. But there were problems, namely persistent racial tensions, a lousy economy and politicians who perpetuated these two troubles. For all but the last two years we were represented by Virgil Goode, a conservative Republican and unabashed bigot. Years before Fox News made Islamophobia a mainstream political view, Goode was openly attacking Rep. Keith Ellison, D-Minn., on the grounds that he was – gasp!—a Muslim. Goode cruised to re-election every cycle, easily surviving the 2006 Democratic wave, despite being a Bush-backing war-monger in a year when voters were rejecting both Bush and his war in Iraq.


I lived in Charlottesville, a tiny outcropping of progressive politics at the northern tip of the Fifth District. From Charlottesville, the district fans out directly to the rural south, extending all the way to the North Carolina border. It’s a two-and-a-half hour drive straight south from Charlottesville to Danville, three hours southwest to Collinsville or southeast to Brunswick. All four towns are in the same district. Just 40,000 people live in Charlottesville—120,000 if you include Albemarle County (which is not as progressive as “the city”). But the district as a whole includes nearly 650,000 people, most of it tiny towns and farmland, and most of its inhabitants Republicans. Jerry Falwell’s right-wing conservative Christian enclave Liberty University is smack in the middle of Perriello country.


Conventional wisdom dictates that Democratic politicians in such districts vote like Republicans. Otherwise, a Republican runs against you, points out that you’re not a Republican, and beats you.


But Perriello decided to take a different tack when he was elected. Instead of capitulating to policies and votes he didn’t believe in, he would do what he thought was right, and make an aggressive case to voters that he was, in fact, right.


On every major vote in the past two years, Perriello voted with progressives, at times even voting against President Obama on the grounds that his policies were not progressive enough. He voted for healthcare reform and the stimulus package, but he voted against Wall Street reform because it didn’t hit the big banks hard enough, and he voted against disbursing the second round of bailout money to the banks (he wasn’t in office when the bank bailout was approved).


He never apologized for these votes or caved to right-wing rhetorical frames, and he hit the road to campaign on his record, explaining his positions directly to voters. This was old-school campaigning, and it wasn’t glamorous—trekking from Danville to Martinsville to Charlottesville every week, making speeches, shaking hands and answering questions in town-hall meetings. But Perriello is not your standard politician waiting for a cushy lobbyist job. He has a deep background in social justice work—he’s in Congress because he wants to make a difference, not to score a sweet paycheck.


All of that campaigning has paid off. Voters are pissed off this year. They’ve watched Wall Street profits soar on the back of a taxpayer-financed bailout, even as ordinary Americans have been laid off by the millions. Whether Republicans take control of the House tomorrow night or not, they will certainly make big gains as voters reject policymakers who cater to big banks while failing to tackle the jobs problem—either out of political cowardice or ideological blindness.


But Perriello is holding even with Republican challenger Robert Hurt. The fact that Perriello even has a chance in this election ought to be viewed as something of a miracle. Or maybe it’s just good governing, combined with good politics.


Tim Fernholz almost gets it right in his profile of Perriello for The American Prospect. But he misses the mark with this comment, which is going to be echoed by the Beltway establishment on Wednesday morning, however the race turns out:


“If Perriello can beat the odds tomorrow, it is not only his reputation, and the president's, that will be burnished . . . . Should he lose, the voices who call for a more timid Democratic Party will have a point in their favor.”


This is wrong. Perriello won in 2008 by just 727 votes. Any Democrat who entered office by so slim a margin is almost certain to lose this year. By any conventional political analysis, Perriello should be getting trounced He faces a massive voter registration disadvantage, representing a district that is designed to crush progressive voices during what is expected to be a wave election for Republicans, amid strong anti-incumbent attitudes sparked by high unemployment. But he’s holding even. That’s incredible. Even if things go well for Democrats tomorrow, and they hold the House, candidates in much safer districts than Perreillo’s are going to lose.


The Perriello lesson, in other words, is already clear. Whether he wins or loses on November 2, having the courage to govern by his convictions and do real work to sell those policies has paid off. It might not get him re-elected. But in an all-but-impossible district, losing close sends a clear signal to actual swing districts. Governing like a pretend-Republican only reinforces the Republican world-view and aligns voters against you. If you want to have a chance, you have to stand for something. Tom Perriello stood for something these past two years, and even if it can’t overcome a terrible economy to win him two more years, the political establishment should take heart.



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Corrected Nov. 17: The Catholic bishops' surprise election yesterday of New York's Archbishop Timothy M. Dolan as their president is more bad news for Obama in 2012.

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More Bad <b>News</b> for Obama 2012: Catholics Elect Dolan - Swampland <b>...</b>

Corrected Nov. 17: The Catholic bishops' surprise election yesterday of New York's Archbishop Timothy M. Dolan as their president is more bad news for Obama in 2012.

Google <b>News</b> Blog: Credit where credit is due

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More Bad <b>News</b> for Obama 2012: Catholics Elect Dolan - Swampland <b>...</b>

Corrected Nov. 17: The Catholic bishops' surprise election yesterday of New York's Archbishop Timothy M. Dolan as their president is more bad news for Obama in 2012.

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

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More Bad <b>News</b> for Obama 2012: Catholics Elect Dolan - Swampland <b>...</b>

Corrected Nov. 17: The Catholic bishops' surprise election yesterday of New York's Archbishop Timothy M. Dolan as their president is more bad news for Obama in 2012.

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

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Read our Xbox 360 news of 360-exclusive Fallout: NV DLC revealed.


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