About Me 0011: February 2011

Monday, February 21, 2011

How to Making Money

Yeah justin

Hoover is an economic god to you

And McCarthy was your hero

And Obama caused the recession

And doubling the DoD budget in recent years doesn't appear on your radar as you bemoan and whine about even the littlest of taxes.

And redirecting ANY money from wasteful programs to health reform, or instead washing it down the drain in a vast sea of DoD related spending and foreign wars is the death of us all.

And having the lowest taxes in the western world after we gave the wealthiest even more money (recent tax deal) to send overseas is just not good enough.

And you are smarter than Dr Reich and about 99% of economists who have concluded that hoover indeed was an economic dolt and ushered in the Great Depression and that FDR/WWII ended it.

You are naive to think the US will thrive in a laissez faire business model where taxes and gvmt regulation are a historic remnant. There's no historic precedent for your belief, and indeed, everytime we or anyone else have tried that, we have been predated on by the wealthy elite and suffered terrible economic shocks. And that includes the Great Depression, the Great Recession, and several shocks in the 19th century that few Americans have ever heard about except in vague terms of Robber Barons and the like.

Every time we lower taxes on the wealthy, almost half that money disappears into overseas investments or tax shelters. That's the giant sucking sound you hear, and msoja mistakenly believed was ACA.

I'm all for low taxes, but not for gutting them mindlessly. Clinton era high end tax rates were reasonable and helped balance the budget, and anything lower IMO is destructive to our economy and std of living.

I'm all for for smart elimination of regulation, but not for mindless gutting them.

As a 12 year USAF vet, I'm all for strong defense, but not the current wars and not the doubling of the DoD budget as BushJr did.

Evaluating whether a program has a NET negative or positive effect on the economy involves a fair assessment of all variables, something freeloaders like you aren't capable of doing. Some of the variables you enumerate would indeed be problems, except that you forgot to mention the variables in the package that outweigh your negatives. For example, ensuring that 32 million people have affordable care and won't go bankrupt or die are positive factors that HELP the economy and outweigh your variables.

And your blatant hatred of the CBO process also shows you are a wingnut whose opinions are distorted by ideology.

You fail to cite that GOP predictions are even worse than CBO predictions, and that the main reason CBO predictions are often wrong is that the underlying assumptions of those predictions change as a result of partisan actions by later Congresses and admins.

I am no longer a Republican because I came to learn that they engage in the biggest lies of all. You are the kind of propagandist that caused me to abandon that party--the party of debt, fear and big lies

Of all the interesting new tech that seems poised to garner a lot of buzz in 2011, near field communication (NFC), is probably the most exciting. If it takes off, it will transform the ways we communicate, share, and make payments with digital devices. This will likely take years to happen, but the groundwork is being laid right now. And RFinity is one of those companies at the forefront.

While Google and Apple are responsible for generating much of the buzz about NFC at the moment, the technology goes far beyond simply having the right type of chip in your mobile device. For example, how do you handle different types of data transfers being made from one device to another? And how to you ensure that they happen as quickly as possible? And most importantly, how do you ensure that they happen securely? Those are the things that RFinity is thinking about.

The company has just raised $4 million from Horizons Ventures in Hong Kong. And the space has gotten so red hot, in fact, that we hear they’re already out raising another round.

And it’s an easy bet for investors to make not only because of the space, but because of where the project originated: The U.S. Department of Energy. Specifically, RFinity was born when a bunch of infrastructure security experts working for the government were assigned to find all the vulnerabilities in cell phones. Through software they came up with, they were able to quite easily eavesdrop, manipulate SMS messages, and even compromise LAN security. Then they set out to figure out a way to stop people from doing those very things. That work led directly to RFinity.

Work originally began in the person-to-person and person-to-vendor sales space by way of mobile applications that route transactions through RFinity’s own secure servers. But now that NFC appears ready, RFinity is making sure they’re ready for it. The idea is that their technology could cut out the middle man here: themselves.

Obviously, the company isn’t going to share all the details on how they secure NFC transfers. But the basic overview is that they verify an incoming NFC signal and ask for a user’s permission before taking any action. Further, if the action is a transaction, it requires a PIN, just as you might do an ATM withdrawal. That’s all pretty standard. But the key is one-time-use transaction codes that RFinity creates on the fly along with complex cryptographic signatures. These ensure that an transaction is secure since it means that every transaction can only happen once. Even if those numbers were intercepted by a hacker, they would be useless beyond the one-time payment.

And even if your phone is lost or stolen, a thief couldn’t do anything without your PIN. And you can remotely shut down your NFC capabilities via RFinity. It’s enough to make me wish I could throw out all my credit cards right now. “Today’s identification and transaction systems are based on what? A magnetic strip on the back of a card, based on a 1950’s technology that relies on a base station to read the information embedded as a series of simple magnetic markers in plastic tape,” writes Josh Jones-Dilworth, who is working with the company to bring them to market.

Again, NFC as a technology is great and potentially game-changing. But the software is still needed to make it actually work. And some of the big guys began realizing that early on as companies like PayPal, Bank of America, and even Subway have been testing out different things with RFinity for some time. In fact, RFinity has actually been doing field tests of the software end of their technology since 2009 in places like Idaho, well before most people in the U.S. had ever thought about NFC.

But now people are starting to care. And soon, they could be caring a lot more. NFC is already built-in to Google’s new Nexus S device — and the company has put out a call for developers to start using the tech. Rumors have the next iteration of the iPhone gaining the technology as well. In other words, I suspect we may be seeing acquisition rumors starting to fly around RFinity in about six months or so. Provided their technology proves up to the NFC challenge, of course.

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Thursday, February 17, 2011

foreclosure law

*BANKS LOSE PIVOTAL FORECLOSURE CASE IN MASSACHUSETTS HIGH COURT
*MASSACHUSETTS TOP COURT DECIDES CLOSELY WATCHED IBANEZ CASE
*MASSACHUSETTS DECISION MAY AFFECT FORECLOSURE-CRISIS CASES

Here is why this is relevant:

This was an Amicus Curiae brief (friend of the court) filed by the Massachusetts Attorney General Martha Coakley. (see attached)

Page 10:
“Plaintiffs’ claims that the Land Court’s ruling will cause widespread confusion or significant cost to innocent parties are greatly exaggerated, and such reasoning does not warrant ignoring the plain requirements of the law designed to protect Massachusetts consumers. Indeed, it is the foreclosing entities themselves who will bear the greatest cost of clearing titled from their invalid foreclosures.   Having profited greatly from practices regarding the assignment and securitization of mortgages not grounded in the law, it is reasonable for them to bear the cost of failing to ensure that such practices conformed to Massachusetts law.”

Page 4-5:
“Rose Mortgage was the original lender for the Ibanez mortgage and Option One Mortgage Corporation was the original lender for the LaRace mortgage. Rose endorsed the Ibanez note and property assigned the mortgage to Option One. Option One then executed an endorsement of both promissory notes in blank, making each “payable to bearer” and negotiated by transfer alone until specifically endorsed.” In both cases, Option One also executed an assignment of the mortgage in blank (i.e. without a specified assignee). These blank assignments were never recorded and were not legally recordable because they failed to identify the assignee [cites state law].”

“After Option One sold the Ibanez mortgage to Lehman Brothers. Lehman Brothers then sold the mortgage, together with hundreds of other loans, to Structured Asset Securities Corporation (“SASC”). SASC then sold these loans to the Structured Asset Securities Corporation Mortgage Loan Trust 2006-Z, of which plaintiff U.S. Bank National Association (“U.S. Bank”) was the Trustee. All off the supporting documents concerning the Ibanez mortgage were placed into a “collateral file” and presumably were transferred between the entities listed above as each transaction was completed. This collateral file contained the original promissory note, the Rose Mortgage endorsement of the promissory note to Option One, Option One’s blank endorsement of the promissory note, the mortgage issued to Rose Mortgage Inc., the assignment of the mortgage from Rose to Option One and Option One’s blank mortgage assignment”

[Goes through similar for the LaRace mortgage]

Page 8:
“The Land Court was correct to invalidate the foreclosure on two distinct grounds. First, the plaintiffs lacked the legal authority to conduct the foreclosures because they were not among the parties authorized to do so under either the statutory power of sale or under G.L.c. 244 §14. Second, even if the plaintiffs had the legal authority to foreclose (which they did not) the foreclosures would still have been invalid because the notices issued by the plaintiffs failed to name the present holder of the mortgage as required under G.L. c. 244 §14. To foreclose on a mortgage securing property in the Commonwealth, one must be the holder of the mortgage. To be the holder of the mortgage, one must be the original mortgagee or be the assignee under a valid assignment of the mortgage. It is not sufficient to possess the mortgagor’s promissory note. The Land court correctly held that the plaintiffs, U.S. Bank and Wells Fargo were not holders of the Ibanez and LaRace mortgages at the time of the foreclosure because they were not assignees of valid assignments of the mortgages. Without valid assignments, the plaintiffs lacked the legal authority to foreclose the mortgages. This, without more, is sufficient grounds on which to invalidate the foreclosures and the Land Court was correct to do so.”

Page 10:
“Plaintiffs’ claims that the Land Court’s ruling will cause widespread confusion or significant cost to innocent parties are greatly exaggerated, and such reasoning does not warrant ignoring the plain requirements of the law designed to protect Massachusetts consumers. Indeed, it is the foreclosing entities themselves who will bear the greatest cost of clearing titled from their invalid foreclosures.   Having profited greatly from practices regarding the assignment and securitization of mortgages not grounded in the law, it is reasonable for them to bear the cost of failing to ensure that such practices conformed to Massachusetts law.”

Page 11:
“Plaintiffs had no legal authority to foreclose because they were not the original mortgagees, were not authorized by the power of sale, and because they lacked valid assignments of the Ibanez and LaRace mortgages.”

Page 12:
“Plaintiffs are not the mortgagees of the Ibanez or LaRace loans.”

Page 16:
“Neither plaintiff was authorized by the power of sale in the respective mortgages.”

Page 17:
“The assorted securitization documents do not establish or compromise valid assignments.”
Plaintiffs contend that various securitization documents constructively assigned to them the Ibanez and LaRace mortgages. Specifically, the plaintiffs contend that the Ibanez mortgage was assigned to U.S. Bank by way of a Trust Agreement that is not part of the record, but is purportedly evidenced by a Private Placement Memorandum. They contend that Wells Fargo received the LaRace mortgage via a Purchase and Sale Agreement. In each case, plaintiffs’ argument is without merit.”

The LaRace Securitization Documents
As the Land Court found, the LaRaces gave a mortgage to Option One when the loan was initially made. Thereafter, Option One executed an assignment of the mortgage “in blank,” i.e., without naming the party to whom the mortgage was to be assigned. As detailed above and by the Land Court, this “assignment in blank” was ineffective to transfer any interest in the mortgage.   Wells Fargo contends that the LaRace mortgage was assigned to it by the Pooling and Servicing Agreement it entered into with Asset Backed Funding Corporation (“ABFC”). This agreement purports to transfer and assign all of the rights of ABFC to Wells Fargo. However, there is nothing the record that ABFC had any interest in the LaRace mortgage. Thus, even if the language in the Pooling and Servicing agreement was sufficient to transfer all of ABFC’s interests in the LaRace mortgage, the assignment would be ineffective because ABFC had no interest in the LaRace mortgage to transfer.”

Page 20:
“Not only did plaintiff’s lack legal authority to foreclose, but the foreclosures are invalid because the notices published prior to foreclosure are fatally deficient.”
-    G.L. c 244, §14 requires that the notice identify the “present holder” of the mortgage
-    Plaintiffs’ false identification of themselves as the “present holders” in their foreclosure notices renders the notices fatally deficient
-    Plaintiffs’ argument that they held the mortgages notwithstanding the lack of valid, written assignments as of the date of the foreclosures is unsupported by law.

Page 27:
“There are no grounds on which to limit the Land Court’s decision to future cases”
-    Plaintiffs request that if the Land Court’s decision is upheld, this Court limit its application only to future foreclosures. This argument is without any basis in law and should be rejected.”
-    Notwithstanding the “industry practice” of subprime lenders and other who created mortgage backed securities, the statutory requirements at issue int his case are long –settled.

Peculiarly (and I’ll have to admit I’m among the guilty), a state-wide halt of foreclosures by a Bank of America unit in Nevada earlier in the week attracted remarkably little notice. The number of foreclosures in involved is meaningful, over 8000. The reason may seem somewhat technical, and presumably would not apply to other BofA units, namely, that the entity, ReconTrust Co, is operating without a proper business license. But then it gets interesting.

First, we get Bank of America’s position, per the Las Vegas Review Journal(hat tip ForeclosureFraud):

In a statement, Bank of America said: “ReconTrust previously faced a nearly identical order in Utah, and it recently prevailed in challenging that order in federal court. Until the current situation is resolved, ReconTrust intends to comply with the order.”

However, the judge believes ReconTrust’s problems may go much deeper than licensing:

In the order, however, the judge said there is a “substantial likelihood that (North) will establish that ReconTrust does not have any contractual privities with respect to the contract between (North) and the other defendants regarding the promissory note and deed of trust.”

The Washington Post (hat tip Lisa Epstein) has taken note of the case, and cites sections of Bank of America’s court filing seeking to reverse the foreclosure freeze, which will otherwise remain in effect until at least February 28, the date of the next court hearing. Perhaps I am reading too much into the language of the pleading, but the tone strikes me as a tad desperate:

In a court filing Wednesday obtained by the Las Vegas Sun, Bank of America says that Bank of America and ReconTrust are in compliance with Nevada foreclosure laws and that the borrower’s case will ultimately fail.

The bank also argues that the harm the injunction “caused to the public interest is overwhelming,” and quotes U.S. Treasury Secretary Timothy Geithner to support its case.

“Treasury Secretary Tim Geithner opined that ceasing the foreclosure process is `very damaging’ and harms the public as communities are forced to live longer with empty homes, there is increased downward pressure on home prices and increasing blight,” the bank said. “The order also harms those subject to the foreclosure process because those individuals, especially those in mediation trying to stay in their homes, are now forced into a state of limbo for an unspecified duration.”

I have a sneaking suspicion that the views of Timothy Geithner don’t carry much weight in the Nevada judicial system.

Why the anxious tone? A couple of factors may be at work. First, recall how hard the banks fought the idea of a broad-based foreclosure freeze when the robo-signing scandal first came to light. And there are reasons why a blanket freeze is problematic, particularly if it extends to non-securitized loans (there are borrowers who want to get out from under a house they recognize they can no longer afford; a freeze can leave them on the hook). But at the same time, the banks have generally overstated the downside because the implications for them are unfavorable. And perhaps most important, an action like a wide-ranging halt is a reminder that banks are, or at least can be, subject to judicial orders, something they appear to have forgotten in recent years.

The second issue, is that Mr. Market has woken up to the fact that the Charlotte bank is particularly exposed to litigation risk. We were very critical of BofA’s purchase of Countrywide. As we said in January 2008:

Even with the reduction in the effective cost of buying Countrywide, Bank of America will come to regret this deal. Countrywide is an organization that has made an art form of just barely staying on the right side of the law, and even then screws up. There is certain to be more dirt, and therefore legal liabilty, that hasn’t yet risen to the surface. Furthermore, it is well nigh impossible to impose procedures and standards on rogue cultures. Look what happened to Bank of America when it purchased US Trust, a company that had a great franchise but one in which the account managers had more autonomy (and incurred more customer-related expenses) than Bank of America’s officers did. BofA succeeded in driving away the many of the best account officers, who took customers with them.

Now the cultural challenges of integrating a Countrywide are very different than dealing with a US Trust, but consider: US Trust was a highly valuable franchise in an area the North Carolina bank said was a priority, and they screwed it up just about every way they could. And US Trust was a much smaller organization too, so the acquisition should have been easier to manage.

BofA stock was off sharply early this week over worries about litigation risk, and those concerns were further stoked by an American Banker report that banks are slowing foreclosures in non-judicial states.

In other words, Bank of America would like to keep bad news about foreclosures to a bare minimum, but those pesky judges appear not to have gotten the memo.

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Tuesday, February 15, 2011

Making Money Online With

With 12 million paying subscribers, World of WarCraft is the juggernaut of the massively multiplayer online game business. But Star Wars: The Old Republic is waiting in the wings to challenge WoW’s dominance of online gaming. After many years of development and rumors of an absurdly high budget, Star Wars The Old Republic is expected to launch later this year.

If the Star Wars game succeeds, it could generate huge revenues for Electronic Arts and prove that the MMO market is a real, competitive market, not one dominated by a single company that can defeat all rivals. It also means there may be more opportunity in the MMO market for other companies, such as Trion Worlds, which is launching its Rift: Planes of Telara MMO in March.

We talked to the founders of BioWare, the Electronic Arts division that is making The Old Republic, about the pressure they’re under to make this game a success. WoW has dominated MMOs for more than seven years and it just saw a huge revival with the launch of World of WarCraft: Cataclysm in December. With each expansion pack, WoW offers new innovations to its users, and Cataclysm sold 4.7 million units in its first month. That will help WoW retain its subscriber numbers and possibly even grow them.

But Ray Muzyka and Greg Zeschuk, co-founders of BioWare, say they can offer something new. They’ve got the license for the Star Wars content that everyone loves — something that Muzyka calls a “force multiplier” for the game’s marketing efforts. They are also integrating a lot of quest-oriented missions and a deep storyline into the game, much like BioWare does with its other epic games.

As for that crazy budget rumored to be above $100 million, there has been no corroboration of that. On the company’s last earnings call, Electronic Arts CEO John Riccitiello said that the company is aware of rumors about the budget and they aren’t necessarily true. He said the company could make money on as little as 500,000 subscribers and that getting more than 1 million subscribers would be a highly profitable hit.

Even so, no one disputes that this is one of the most ambitious video games undertaken. BioWare is one of the few companies with the track record of success to pull it off.

Check out our interview with the BioWare founders below.

Next Story: Pandora looks beyond music to sports and talk shows Previous Story: Pandora expects to lose money until 2012

Even so, no one disputes that this is one of the most ambitious video games undertaken. BioWare is one of the few companies with the track record of success to pull it off.

Check out our interview with the BioWare founders below.

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Weekly Search & Social News: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS News' Lara Logan in hospital after sexual assault in Egypt ...

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Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS News' Lara Logan in hospital after sexual assault in Egypt ...

CBS News announced Tuesday that correspondent Lara Logan — who was on location in Egypt covering the protests against now former President Hosni Mubara...

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Weekly Search & Social News: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS News' Lara Logan in hospital after sexual assault in Egypt ...

CBS News announced Tuesday that correspondent Lara Logan — who was on location in Egypt covering the protests against now former President Hosni Mubara...

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Weekly Search & Social News: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

CBS News' Lara Logan in hospital after sexual assault in Egypt ...

CBS News announced Tuesday that correspondent Lara Logan — who was on location in Egypt covering the protests against now former President Hosni Mubara...

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Experiments In Realtime News: The Eqentia Streams

Weekly Search & Social News: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

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Friday, February 11, 2011

Making Money Quickly

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Nokia and Microsoft have announced plans to form a partnership in the mobile space that the companies hope will help it c...

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The future of journalism is bleak: too many journalists are satisfied parroting wire service copy instead of doing original reporting. The problem lies in the two vicious cycles this trend creates.

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Nokia and Microsoft have announced plans to form a partnership in the mobile space that the companies hope will help it c...

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The future of journalism is bleak: too many journalists are satisfied parroting wire service copy instead of doing original reporting. The problem lies in the two vicious cycles this trend creates.

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Nokia and Microsoft form mobile partnership | News

Nokia and Microsoft have announced plans to form a partnership in the mobile space that the companies hope will help it c...

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The future of journalism is bleak: too many journalists are satisfied parroting wire service copy instead of doing original reporting. The problem lies in the two vicious cycles this trend creates.

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Here is the basic concept of most money making strategies being sold on the internet: If you want to succeed making money online, do the same as someone who is already successful. With all the competition on the internet, each one needs to outdo the other, convincing you that their way is the best.

One of their most convincing ways to show their system's superiority is to show screenshots of their income. Some are copies of checks, ClickBank daily income transactions, accounting statements, or a spread sheet, to name a few.

Regardless of the type of income being shown as proof, you need to ask one very important question.

What date is on the proof? This is very important because the internet world is changing exponentially each year. Something that is state of the art today can be obsolete in several months.

Think about a new computer purchased in 2006. Today that computer would be a relic. There have been so many improvements since then where today's computers are just a different animal.

The internet changes even more quickly than computer technology. Strategies to make money in 2006 may be totally outdated and nonapplicable today. Google has changed its ranking algorithms for search rankings, adwords, and adsense has changed several times. Some niches are no longer niches.

Google has made several major changes affecting income strategies in the past two years. In April 2008, Google Adwords stated that display URLs for new ads will be required to match their destination/landing page URLs. We now have to see how this will impact present money making strategies.

BOTTOM LINE:

What should you do? First and foremost, ask for very recent proof of income statements. They can email it to you and even have you sign a confidentiality agreement if needed.

See if they have a telephone number. That is best. Or, if they don't have an email, or don't respond to an email, pass on the offer.

The screenshots that show large amounts of income need to be scrutinized. If there is a money back guarantee, you can do an in depth investigation with no risk. Be careful not to invest too much time or money if the program shows outdated information.

Even if they do show a large income which is believable, find out how long it took to get that high income stream and what strategy was used. High amounts may be niches that may not be able to be duplicated today.

Monday, February 21, 2011

Thursday, February 17, 2011

Tuesday, February 15, 2011

Friday, February 11, 2011

Tuesday, February 8, 2011