Thursday, February 17, 2011

foreclosure list

Here is the busy economic schedule for the coming week.

• Egpyt

From the NY Times: Military Offers Assurances to Egypt and Neighbors

From the WSJ: Egypt's Military Moves to Clear Tahrir Square

From the Financial Times: Egyptian youth groups seek army talks

Below is a summary of the previous week, mostly in graphs.

• Trade Deficit increased in December

Click on graphs for larger image in graph gallery.

The first graph shows the monthly U.S. exports and imports in dollars through December 2010.

December exports were $163.0 billion, up from $160.1 billion in November. December imports were $203.5 billion, up from $198.5 billion in November.

Imports had been mostly flat since May, but increased again in December. Exports have started increasing again after the mid-year slowdown.

The second graph shows the U.S. trade deficit, with and without petroleum, through December.

The blue line is the total deficit, and the black line is the petroleum deficit, and the red line is the trade deficit ex-petroleum products. The trade deficit was $40.6 billion, up from $38.3 billion in November.

The petroleum deficit increased in December as both quantity and import prices continued to rise - averaging $79.78 in December. Prices will be even higher in January. Once again oil and China deficits are essentially the entire trade deficit (or even more).

• CoreLogic: House Prices declined 1.8% in December

This graph shows the national CoreLogic HPI data since 1976. January 2000 = 100.

The index is down 5.46% over the last year, and off 31.6% from the peak.

This is the fifth straight month of year-over-year declines, and the sixth straight month of month-to-month declines. The index is only 0.07% above the low set in March 2009 (essentially at the low), and I expect to see a new post-bubble low for this index with the January release.

• NFIB: Small Business Optimism Index increases in January

From National Federation of Independent Business (NFIB): "The National Federation of Independent Business Index of Small Business Optimism rose 1.5 points in January, a modest increase, opening the new year with a reading of 94.1."

This graph shows the small business optimism index since 1986. The index increased to 94.1 in January from 92.6 in December.

Although still fairly low, this is the highest level for the index since December 2007.

This graph shows the net hiring plans over the next three months.

Hiring plans decreased slightly in January but are still positive.

The recovery is sluggish for the small business optimism index (probably because of the high concentration of real estate related companies), but this is the highest level for the optimism index since December 2007.

• Consumer Sentiment increases slightly in February

The preliminary Reuters / University of Michigan consumer sentiment index increased to 75.1 in February from 74.2 in January.

This was at the consensus forecast of 75.0.

Sentiment is still at levels usually associated with a recession - and sentiment is well below the pre-recession levels.

• Other Economic Stories ...

• From Treasury: Proposed plan for Fannie and Freddie press release and here is the report

• AAR: Rail Traffic increases in January

• Ceridian-UCLA: Diesel Fuel index decreases slightly in January

• Bernanke Testimony: The Economic Outlook and Monetary and Fiscal Policy

• From NY Fed Vice President Brian Sack: Implementing the Federal Reserve’s Asset Purchase Program

• CoStar: Commercial Real Estate prices increased slightly in December

• From RealtyTrac: Foreclosure Activity Increases 1 Percent in January

• Unofficial Problem Bank list at 944 Institutions

Best wishes to all!

At the time of the now famous Ibanez decision, in which the Massachusetts Supreme Judicial Court dealt the securitization industry a not-all-that-surprinsing loss by saying that lenders and servicers had to be able to produce reasonable evidence that the mortgage had indeed been transferred to the party that was trying to seize the house. The court wrote:

When a plaintiff files a complaint asking for a declaration of clear title after a mortgage foreclosure, a judge is entitled to ask for proof that the foreclosing entity was the mortgage holder at the time of the notice of sale or foreclosure…. A plaintiff that cannot make this modest showing cannot make this modest showing cannot justly proclaim that it was unfairly denied a declaration of clear title.

Also note this section of the concurring opinion by Judge Cordy:

Foreclosure is a powerful act with significant consequences, and Massachusetts law has always required that it proceed strictly in accord with the statutes that govern it….The plaintiff banks, who brought these cases to clear the titles that they acquired at their own foreclosure sales, have simply failed to prove that the underlying assignments of the mortgages that they allege (and would have) entitled them to foreclose ever existed in any legally cognizable form before they exercised the power of sale that accompanies those assignments.

We were reminded of an outstanding mystery in the Ibanez case by a story tonight by Abigail Field on the role of carelessness by lawyers in the mortgage mess. She mentions a stunning aspect of the Ibanez case, one that quite a few observers, including yours truly, discussed privately at the time: that neither of the banks involved in the case produced a decent set of transaction documents (US Bank didn’t even provide a copy of the pooling and servicing agreement).

It is hard to convey how surprising this revelation is. If you have participated in any kind of corporate transaction, even at the small business level, your attorney as a matter of course will keep a signed copy of the agreement and any important related documents. The servicers and trustees would know that full well. So why did no one call issuer’s counsel and get the paperwork?

Field puzzles through this lapse and comes up with an incomplete list of possibilities:

So, the issue of partial deal documents that came to light in Ibanez and continues to crop up elsewhere means one of three things:

1. Securitization deals were so carelessly done that, despite all the proper documents being created, closing sets don’t exist.

2. Securitization deals were so carelessly done that not all the proper documents were created (such as lists of the mortgages involved) and so closing sets don’t exist.

3. All the documents and closing sets are fine, and the big banks have grown so incompetent they can’t give their foreclosure attorneys deal documents that they do have or could get from their securitization counsel.

I have trouble with her theories 1 and 2. The firms that did securitizations were white shoe firms, some of them of the cusp of top tier, the others just a wee notch below. And this was a bread and butter business. The donkey work of making sure all the documentation is in order is junior level time, which is marked up fully and thus nicely profitable. There would be no reason for the law firm to scrimp on it, and no reason for the client to want the law firm to cut corners.

MBS Guy has an opinion much more in keeping with mine:

I am even more convinced that the failure of the banks’ attorneys to track down the actual legal documents was not “carelessness”. I find it too hard to believe that the attorneys were this incompetent on an appeal of a major issue to the state’s supreme court. They had plenty of time (over a year).

Every deal I ever worked on had a full set of closing documents prepared in a binder. The issuer’s counsel law firm typically sent all of the documents to us via CD. We had stacks of them.

I suspect the foreclosing attorneys requested the documents and the requests were rejected by clever attorneys for the issuers who saw the potential liability and didn’t want to create a clear paper trail back to them.

If the low level foreclosing attorney looks incompetent in assembling his case, that’s one thing. If a big Wall Street law firm made a major mistake about the legal basis for selling loans without proper title in Massachusetts or any other state, well, that’s a whole different story.

Professor Adam Levitin has similarly pointed out that the major securitization law firms are in a sticky position, since they have legal liability on opinion letters.

But how would that operate? Those opinion letters were in an “if-then” form, “if you followed the steps you set forth, then you have a true sale.” But it now appears that much if not all of the securitzation industry opted, sometime after 2002, to change its procedures for how it handled promissory notes and liens without changing its contracts. That means, as we have pointed out repeatedly, that the parties in the origination process made very specific commitments to investors that they violated repeatedly, as a matter of business practice. Yet astonishingly they didn’t change the agreements to reflect what appears to have been a widespread adoption of new practices. Instead, they let the disparity, and the attendant liability, go unremedied.

It seems inconceivable that some of the players involved did not get counsel’s advice on this issue (I’d be stunned if Goldman didn’t; the firm is obsessed with having legal cover for its actions). But the breakdown was primarily in the custodial/trustee end of the process, which is a particularly low fee activity. So it is possible that the trustees or custodians conferred with their attorneys and did not formally bring issuer’s counsel into the loop. At the same time, these bad practices appear to have become so deeply embedded that I find it hard to believe that everyone on the sell side of these deals did not know what was happening as the new procedures became widespread.

As Field intimates, and I’ve said separately, until we see lawyers disbarred and facing charges, we can be pretty certain that we are only scratching the surface of mortgage abuses. But it is beginning to look like that day is not too far off.

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NYT's Fed reporter to become deputy op-ed editor « Talking Biz News

Information about business journalism, from the Carolina Business News Initiative. « Why the FT and the Economist have been successful in America � No Comments. NYT's Fed reporter to become deputy op-ed editor. 2011 02.17 ...

Arrowheadlines: Chiefs News 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.

Lost: Internet Marketing News, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

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NYT's Fed reporter to become deputy op-ed editor « Talking Biz News

Arrowheadlines: Chiefs News 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.

Lost: Internet Marketing News, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

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NYT's Fed reporter to become deputy op-ed editor « Talking Biz News

Arrowheadlines: Chiefs News 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.

Lost: Internet Marketing News, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

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NYT's Fed reporter to become deputy op-ed editor « Talking Biz News

Arrowheadlines: Chiefs News 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.

Lost: Internet Marketing News, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

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NYT's Fed reporter to become deputy op-ed editor « Talking Biz News

Arrowheadlines: Chiefs News 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.

Lost: Internet Marketing News, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

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NYT's Fed reporter to become deputy op-ed editor « Talking Biz News

Arrowheadlines: Chiefs News 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.

Lost: Internet Marketing News, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

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NYT's Fed reporter to become deputy op-ed editor « Talking Biz News

Arrowheadlines: Chiefs News 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.

Lost: Internet Marketing News, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

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NYT's Fed reporter to become deputy op-ed editor « Talking Biz News

Arrowheadlines: Chiefs News 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.

Lost: Internet Marketing News, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

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NYT's Fed reporter to become deputy op-ed editor « Talking Biz News

Arrowheadlines: Chiefs News 2/17 - Arrowhead Pride

Good morning Chiefs fans. Once more we've gather the latest Kansas City Chiefs news from across the internet (and there wasn't much today). Read on.

Lost: Internet Marketing News, If Found Please Let Us Know

You've heard of a slow news day, right? How about a slow news year? So far, 2011 has been a ...

Tuesday, February 15, 2011

Making Money Now

In an interview with conservative pundit SE Cupp, former Senator (and possible presidential hopeful/wishful) Rick Santorum ticked off several reasons why he believes GOP supernova Sarah Palin is skipping this year’s Conservative Political Action Conference (CPAC), chiefly citing “financial benefit,” but also that she’s “the mother to all these kids.”

Is this a shot across Palin’s bow for 2012? Either way, it’s an unfair, sexist premise that has no basis in fact.

Here’s a clip of the interview, from GlennBeck.com:

Let’s just break that down for a second. He’s essentially saying that Palin turned down the CPAC keynote slot because she’s too busy gettin’ paid (Palin does command hefty speaking fees), but that he wouldn’t have turned it down because he’s not “the mother to all these kids.” Palin has five children. Santorum has seven, so the implication is that there’s something about being a mom that necessitates whoring yourself out for speaking fees, while dude parents can freewheelingly stick to their principles.

Now, I’m certainly not afraid to criticize Sarah Palin when she deserves it, but Santorum’s remarks are not only unfair and offensive, they’re also completely unfounded.

First of all, despite her ability to collect hefty speaking fees, Sarah Palin actually does manage to do things for which she is not being paid. I’m not that familiar with her datebook, but even I noticed her December trip to Haiti. The only payment Palin received for that trip was a heap of inexplicably bad press. There’s no comparison between visiting Haitian cholera clinics and keynoting at CPAC, but it definitely shows that time and money are not the issue.

Some others have wondered if Palin skipped out as part of a wider boycott centered around the inclusion of gay conservative group GOProud. Palin put that notion to rest in a recent interview, defending the group’s inclusion (while also casting them as adversaries by comparing them to liberals).

The fact is, Palin has now turned down four CPAC invitations, and while she’s never given an explicit reason, there’s a pretty obvious one, at least for the last two. American Conservative Union Chairman David Keene, the organizer behind CPAC, had Palin booster John Ziegler ejected from Western CPAC in 2009 after Ziegler grilled Keene about comments he’d made that Sarah Palin “whined” about media coverage, and that she “bailed” on her post as Alaska Governor.

Ironically, Ziegler also confronted Keene about allegations that his organization would do anything for money, offering him $20 to write a pro-Palin op-ed.

Aside from Keene’s attacks on Palin, there’s also a lot of dissatisfaction with Keene and the ACU among conservatives, in general. Most won’t speak about it publicly, but the FedEx scandal, the perceived coddling of fringe elements at that Western CPAC, and other issues have dimmed some of the group’s luster among conservatives. While CPAC is still the best game in town for most conservatives to meet, greet, and share influence with others, Palin stands apart. CPAC needs her far more than she needs CPAC.

That actually points up the biggest fallacy in Santorum’s argument. Palin is a money-making machine, which i s all the more reason why she could afford to take a weekend off to keynote CPAC.

If there’s really no such thing as bad publicity, then Santorum will likely get a huge bang for the buck with this interview. Something tells me, though, that it won’t be a net gain for his already dim presidential hopes.

Why The Arguments That The Huffington Post Must Pay Bloggers Is Misguided: Payment Isn't Just Money

from the you-made-the-choice dept

We didn't mention the whole AOL buying Huffington Post story earlier this week, because there just didn't seem to be that much to say about it. It was an interesting deal, to be sure, and I'll be curious to watch what AOL does with the property, but, beyond that, it seemed like just another content acquisition deal. However, almost immediately after the deal went through, I started seeing some rumblings on Twitter, picking at the scab that has always annoyed a certain group of people about The Huffington Post: that it doesn't pay most of its writers. Sure enough, it didn't take long for this issue to start to spread, with the inevitable summary line of: "Hey, HuffPo became famous because all these people worked for free, and yet, they don't get a cut of the sale."

That story is now snowballing. Dan Gilmor wrote a blog post arguing that it was the "ethical" thing to do to start paying bloggers. Douglas Ruskoff said that he'd no longer blog on the site for free. And, of course, a bunch of cranky HuffPo contributors have created a whole campaign arguing that Arianna Huffington had no right to sell the site, since it was built off of their free labor.

They're all wrong.

Of course, we've been through this before. Five years ago, Nick Carr tried to argue that all the various big Web 2.0 sites like (at the time) Digg, YouTube and MySpace were really digital sharecroppers exploiting labor. As we argued at the time, this was hogwash. People were using those sites because they provided a valuable service. The reason they provided labor was because they got something of value in return -- whether it was attention or hosting or distribution or reputation.

Three years ago, we saw an almost identical controversy after AOL bought Bebo and musician Billy Bragg demanded some of the $850 million AOL paid (in retrospect, a massively bad decision). Bragg argued that Bebo made this money based on all of the "free labor" of musicians who used the site. But that ignored the fact that those musicians got tremendous value in using the Bebo platform to connect with fans and distribute their music... all for free. The folks who got to keep the money were the ones who took the actual risk. The ones who had to cover the expenses to keep the site and the service running, even when it wasn't making enough revenue. They took the risk, they should get the reward. The people who used the site did so of their own free will knowing quite well that the benefit they got from using the service was worth it to them at the time. Along those lines, if Bebo had struggled and faced bankruptcy instead of a massive buyout, would Bragg have felt obligated to give them money to keep it going? Similarly, if HuffPo had been running out of money, and Arianna had gone back and demanded that those who used the platform pay up retroactively, how would these people have reacted?

There are more ways to "get paid" than with money.

The reason that people chose to blog for free at the Huffington Post was because it's a fantastic platform for exposure. It brings traffic like no one else out there, and if you want to present something in a way that's likely to get more attention than on your own blog that no one visits, posting at HuffPo can be quite a good way to go.

And that's the point: the people who chose -- of their own free will -- to post at the Huffington Post for free did so because they clearly got value out of doing so. Otherwise, why would they have done so in the first place? To then say that the only proper thing is to pay them is completely missing the point. It's an attempt to retroactively go back and change the terms of a deal. If you wanted to get paid directly for what you write, fine, don't write for the Huffington Post. It's that simple. Go out and pitch your stories to publishers who pay freelancers. But don't go back and complain afterwards when the folks who actually did take the risk of putting together the site, financing it, organizing it, hiring the staff, buying the servers, paying for the bandwidth, and building it up so that it was such a successful platform, then get paid for their efforts.

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CBS News reporter Lara Logan sexually assaulted in Egypt - From ...

CBS says Logan was the victim of “a brutal and sustained sexual assault and beating” while covering the events in Egypt last week.

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Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

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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CBS News reporter Lara Logan sexually assaulted in Egypt - From ...

CBS says Logan was the victim of “a brutal and sustained sexual assault and beating” while covering the events in Egypt last week.

Great news: Supercomputer utterly destroys all-time champs on ...

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

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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CBS News reporter Lara Logan sexually assaulted in Egypt - From ...

CBS says Logan was the victim of “a brutal and sustained sexual assault and beating” while covering the events in Egypt last week.

Great news: Supercomputer utterly destroys all-time champs on ...

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

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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CBS News reporter Lara Logan sexually assaulted in Egypt - From ...

CBS says Logan was the victim of “a brutal and sustained sexual assault and beating” while covering the events in Egypt last week.

Great news: Supercomputer utterly destroys all-time champs on ...

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

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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CBS News reporter Lara Logan sexually assaulted in Egypt - From ...

CBS says Logan was the victim of “a brutal and sustained sexual assault and beating” while covering the events in Egypt last week.

Great news: Supercomputer utterly destroys all-time champs on ...

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

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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CBS News reporter Lara Logan sexually assaulted in Egypt - From ...

CBS says Logan was the victim of “a brutal and sustained sexual assault and beating” while covering the events in Egypt last week.

Great news: Supercomputer utterly destroys all-time champs on ...

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

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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CBS News reporter Lara Logan sexually assaulted in Egypt - From ...

CBS says Logan was the victim of “a brutal and sustained sexual assault and beating” while covering the events in Egypt last week.

Great news: Supercomputer utterly destroys all-time champs on ...

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

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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CBS News reporter Lara Logan sexually assaulted in Egypt - From ...

CBS says Logan was the victim of “a brutal and sustained sexual assault and beating” while covering the events in Egypt last week.

Great news: Supercomputer utterly destroys all-time champs on ...

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

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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CBS News reporter Lara Logan sexually assaulted in Egypt - From ...

CBS says Logan was the victim of “a brutal and sustained sexual assault and beating” while covering the events in Egypt last week.

Great news: Supercomputer utterly destroys all-time champs on ...

Great news: Supercomputer utterly destroys all-time champs on Jeopardy.

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.

Friday, February 11, 2011

Making Money Your

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Brad Friedman and Desi Doyen: Green News Report: February 10, 2011 ...

IN 'GREEN NEWS EXTRA' (see links below): Palm oil giant to halt Indonesia deforestation; Georgia forests worth more than $37 billion annually; Search for wind-related grid problems finds a bigger concern; IBM hunting for lithium-air car ...

Yahoo Unveils 'Livestand' Tablet Newsstand And 'Personalized News ...

As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...

Denver Broncos News: Horse Tracks - 2/11/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

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Brad Friedman and Desi Doyen: Green News Report: February 10, 2011 ...

Yahoo Unveils 'Livestand' Tablet Newsstand And 'Personalized News ...

Denver Broncos News: Horse Tracks - 2/11/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

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Brad Friedman and Desi Doyen: Green News Report: February 10, 2011 ...

Yahoo Unveils 'Livestand' Tablet Newsstand And 'Personalized News ...

Denver Broncos News: Horse Tracks - 2/11/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

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Brad Friedman and Desi Doyen: Green News Report: February 10, 2011 ...

Yahoo Unveils 'Livestand' Tablet Newsstand And 'Personalized News ...

Denver Broncos News: Horse Tracks - 2/11/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

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Brad Friedman and Desi Doyen: Green News Report: February 10, 2011 ...

Yahoo Unveils 'Livestand' Tablet Newsstand And 'Personalized News ...

Denver Broncos News: Horse Tracks - 2/11/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

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This is the 4th installment in my series of articles on how to make money in Runescape for both Free players and Members. You can find the original here, and the rest of the articles can be found somewhere on this page. This article focuses mainly on money-making methods for Free players, but some of my other articles are directed towards members. Let's get started!

Method 1: Killing Hill Giants. Bones are a valuable training commodity throughout runescape, mostly because they're the main way to train the Prayer skill. Big bones and dragon bones are often in high demand, and luckily hill giants are an easy-to-kill supplier of big bones. To start, you'll need armor, a weapon, a brass key (which you can buy), and a decent combat level. Head west out of Varrock until you reach a river. Don't cross the river, but head north until you find a little shack. Use the brass key on the shack, then head down the ladder. Start killing hill giants. Don't bury the big bones, but hold onto them. Also, if you get a limpwurt root as a drop hold onto it. Once your inventory is full, head to the Grand Exchange and sell everything. Rinse and repeat.

Method 2: Fist of Guthix. This isn't the best method for making money, but if you really love playing Fist of Guthix or don't have much to do it can be entertaining. Head to Fist of Guthix, switch to a themeworld, grab your gear and play. Every time you play a game you'll receive some tokens as a reward. Keep playing until you have enough tokens to buy one of the more expensive or useful items, like rune gauntlets, a rune berserker shield or combat robes. After you buy them, either use up all of their charges or ask the shop owner to uncharge them. You can then go to the Grand Exchange and sell them for a decent amount of money. I would really only recommend this to people with a lot of time on their hands or who really enjoy the game. For a full guide for Fist of Guthix, read this page.

Method 3: Mining coal. This isn't the best or the funnest method, but it does get the job done. You'll need 50 mining, but a higher mining level will get you more cash faster. This method simply involves mining coal, banking it, and repeating until you want to sell it. I recommend doing this in the Falador mine, and if you have a high enough level the mining guild is perfect for this. This is a fairly popular method because there is always someone buying coal for some reason or other, so you're guaranteed to always have customers on the Grand Exchange.

I wish you good luck on your quest to get money, and enjoy whatever stuff you buy with it. Have fun! Also, please check out my other articles.

Wednesday, February 9, 2011

Making Money With Youtube

Irony Alert: NYC's Anti-Piracy Propaganda Campaign Using 'Free' YouTube

from the free-free-free dept

A few weeks back, we wrote about the anti-piracy propaganda campaign that NYC has been running, paid for by taxpayer dollars, which spreads typical MPAA FUD, and concludes with the line: "There's no such thing as a free movie." However, in looking over the campaign, I just realized that the videos are hosted on YouTube... for free. In other words, while NYC and its Hollywood friends are claiming that if you get something for free, it must be illegal, they're making use of free online services themselves. Without YouTube, they'd have to pay for the hosting, bandwidth, streaming software, etc. themselves. But this way, they get it for free.

Now, it's absolutely true that YouTube could monetize the videos with ads (though, I don't see any on that video right now), but that sort of reinforces the point. There are all sorts of business models that allow you to offer something for "free" to the end user, but are monetized elsewhere. YouTube does exactly that. It offers what would otherwise be quite expensive (hosting, bandwidth, streaming software, etc.) and gives it all away for free, and has built a whole business around that. There's nothing saying that the movie industry can't do the same thing. Rather than falsely stating that there's no such thing as a "free" (to the consumer) movie, there are certainly plenty of ways that the movie industry could monetize movies that were offered free to consumers. It's just that the legacy players choose not to. And then complain. And get politicians to waste taxpayer money...

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I've got a MacBook with a Core 2 Duo CPU. I think it's about 18 months old. It took about 2 hours for it to burn a DVD I created in iDVD. Subsequent copies could be made from the original in about 20 minutes each. I recently had to digitize some analog tapes and those were recorded to my laptop in real time, so an hour of video took an hour just to get into the laptop. If you need to overlay a logo/watermark of some sort or do any basic editing, add more time still.

If they're going to need to trim the video, add a fade in and fade out, do any custom menus, try and clean up the audio, etc., it will take even longer. If they're using some sort of standalone DVD duplicator (your "dubbing" machine) to do this, then this is also dependent on the speed of that. If they have a really old model that only burns at 4x, that will take six times longer than a model than burns at 24x.

You really need to figure out what they're doing ("making DVDs" isn't concise) and the hardware they're doing it with ("good Macs" isn't helpful either).
posted by Brian Puccio at 6:30 AM on February 5
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Obama to Push for Less Restrictive Trade with Russia; Expedited ...

Fox News has learned that President Obama will call on Congress to support a permanent normal trade relations status with Russia and that his U.S. trade ambassador will tell Congress Wednesday the White House will intensify efforts this ...

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Sigma announcements include 120-300mm F2.8 and 150mm F2.8 Macro pricing: CP+ 2011: In addition to its latest lens announcements, Sigma has announced the price and availability of its 120-300mm f/2.8 EX DG OS HSM and Macro 150mm F2.8 EX ...

New York Yankees News: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

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Irony Alert: NYC's Anti-Piracy Propaganda Campaign Using 'Free' YouTube

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35 Comments | Leave a Comment..

Obama to Push for Less Restrictive Trade with Russia; Expedited ...

Sigma announcements include 120-300mm F2.8 and 150mm F2.8 Macro ...

New York Yankees News: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

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Obama to Push for Less Restrictive Trade with Russia; Expedited ...

Sigma announcements include 120-300mm F2.8 and 150mm F2.8 Macro ...

New York Yankees News: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

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Irony Alert: NYC's Anti-Piracy Propaganda Campaign Using 'Free' YouTube

from the free-free-free dept

35 Comments | Leave a Comment..

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Obama to Push for Less Restrictive Trade with Russia; Expedited ...

Sigma announcements include 120-300mm F2.8 and 150mm F2.8 Macro ...

New York Yankees News: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

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Obama to Push for Less Restrictive Trade with Russia; Expedited ...

Sigma announcements include 120-300mm F2.8 and 150mm F2.8 Macro ...

New York Yankees News: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

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Obama to Push for Less Restrictive Trade with Russia; Expedited ...

Sigma announcements include 120-300mm F2.8 and 150mm F2.8 Macro ...

New York Yankees News: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

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Obama to Push for Less Restrictive Trade with Russia; Expedited ...

Sigma announcements include 120-300mm F2.8 and 150mm F2.8 Macro ...

New York Yankees News: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

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Obama to Push for Less Restrictive Trade with Russia; Expedited ...

Sigma announcements include 120-300mm F2.8 and 150mm F2.8 Macro ...

New York Yankees News: The Captain - Pinstripe Alley

New York Yankees news from around the internet on 2/9/2011, including Rob Neyer on Derek Jeter's attempt to bounce back from a disappointing 2010 season.

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Making money with videos is a more unusual way to make money. People think that videos can't make you money, but they are wrong. Making money with videos is not only very profitable but fun. Like all other things though it requires dedication and hard work. In this article I will explain how to make money with videos.

There are some things you must understand before you start making videos. You can't just put together any random video and expect to make money from it. You have to create value, it has to be something that people want to see. If people aren't interested you won't make money. Unlike most ways of making money, making videos requires reputation. The more reputation you have the more profitable your videos will become. So consistency is important when learning how to make money with online videos. Youtube may be free, but you can learn how to make money with youtube videos. There are actually many ways you can make money with Youtube videos, but I'm going to stick with the main topic how to make money with videos. Youtube is a great way to make money with videos only if you have a reputation. After your videos get hundreds of thousands of views and you have a thousands of subscribes then you can get what is called a Youtube partner to create revenue with advertisements.

The best way to start making videos is through websites like break.com and metacafe.com. Break.com pays upfront for videos that are spectacular. Your video has to make it to break's homepage in order for you to earn money. Break.com is also known for being strict and it's more like a popularity contest then a video contest. If you're wondering how much does Metacafe pay that is a good question. Metacafe is a completely different website than break.com and can make you a lot of money if you have decent videos. Metacafe pays $100 for each video that obtains 20,000 videos and $5 for every 1,000 views there after. So if your video has over a million views we're talking thousands of dollars here.

If you keep making videos eventually commercial advertisements or somebody might like your video and might want to pay you to use it. Trutv is always looking for videos from the internet to play on their show. Commercials feature some Youtube videos that aren't even popular. Just keep creating videos with value and the money will come in and remember if you want to learn how to make money with videos then you have to put in the hard work just like anything else!

Tuesday, February 8, 2011

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Ouch! Fox News Reporter & Camera Man Return From Egypt In Bad ...

To say the least! These poor guys! Fox News reporter Greg Palkot and cameraman Olaf Wiig, who were brutally beaten while attempting to cover the ongoing unrest in Egypt, appeared on Fox News...

Arrowheadlines: Chiefs News 2/8 - Arrowhead Pride

NJ Chiefs Fan is having technical difficulties (which he told me about yesterday, which I promptly forgot this morning, which is why Arrowheadlines is so late today).

News In Brief: Earth/Environment - Science News

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

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Ouch! Fox News Reporter & Camera Man Return From Egypt In Bad ...

Arrowheadlines: Chiefs News 2/8 - Arrowhead Pride

NJ Chiefs Fan is having technical difficulties (which he told me about yesterday, which I promptly forgot this morning, which is why Arrowheadlines is so late today).

News In Brief: Earth/Environment - Science News

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

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Ouch! Fox News Reporter & Camera Man Return From Egypt In Bad ...

Arrowheadlines: Chiefs News 2/8 - Arrowhead Pride

NJ Chiefs Fan is having technical difficulties (which he told me about yesterday, which I promptly forgot this morning, which is why Arrowheadlines is so late today).

News In Brief: Earth/Environment - Science News

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

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Ouch! Fox News Reporter & Camera Man Return From Egypt In Bad ...

Arrowheadlines: Chiefs News 2/8 - Arrowhead Pride

NJ Chiefs Fan is having technical difficulties (which he told me about yesterday, which I promptly forgot this morning, which is why Arrowheadlines is so late today).

News In Brief: Earth/Environment - Science News

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

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Ouch! Fox News Reporter & Camera Man Return From Egypt In Bad ...

Arrowheadlines: Chiefs News 2/8 - Arrowhead Pride

NJ Chiefs Fan is having technical difficulties (which he told me about yesterday, which I promptly forgot this morning, which is why Arrowheadlines is so late today).

News In Brief: Earth/Environment - Science News

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

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Ouch! Fox News Reporter & Camera Man Return From Egypt In Bad ...

Arrowheadlines: Chiefs News 2/8 - Arrowhead Pride

NJ Chiefs Fan is having technical difficulties (which he told me about yesterday, which I promptly forgot this morning, which is why Arrowheadlines is so late today).

News In Brief: Earth/Environment - Science News

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

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Ouch! Fox News Reporter & Camera Man Return From Egypt In Bad ...

Arrowheadlines: Chiefs News 2/8 - Arrowhead Pride

NJ Chiefs Fan is having technical difficulties (which he told me about yesterday, which I promptly forgot this morning, which is why Arrowheadlines is so late today).

News In Brief: Earth/Environment - Science News

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

surface encounters

Ouch! Fox News Reporter & Camera Man Return From Egypt In Bad ...

Arrowheadlines: Chiefs News 2/8 - Arrowhead Pride

NJ Chiefs Fan is having technical difficulties (which he told me about yesterday, which I promptly forgot this morning, which is why Arrowheadlines is so late today).

News In Brief: Earth/Environment - Science News

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

surface encounters

Ouch! Fox News Reporter & Camera Man Return From Egypt In Bad ...

Arrowheadlines: Chiefs News 2/8 - Arrowhead Pride

NJ Chiefs Fan is having technical difficulties (which he told me about yesterday, which I promptly forgot this morning, which is why Arrowheadlines is so late today).

News In Brief: Earth/Environment - Science News

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

surface encounters

Ouch! Fox News Reporter & Camera Man Return From Egypt In Bad ...

Arrowheadlines: Chiefs News 2/8 - Arrowhead Pride

NJ Chiefs Fan is having technical difficulties (which he told me about yesterday, which I promptly forgot this morning, which is why Arrowheadlines is so late today).

News In Brief: Earth/Environment - Science News

Licorice may be a natural alternative to antibiotics on hog farms, plus more in this week's news.

Sunday, February 6, 2011

Making Money Uk

Introducing a new localism to media, per a UK government action plan released Wednesday morning, may be a worthwhile aim - but culture secretary Jeremy Hunt has picked the wrong medium to start with, a decision that could be ultimately self-defeating.

The review he commissioned told him only broadband TV could support truly local TV services; a Freeview alternative, as Hunt has picked, could supply a measly 10 cities - undermining the policy’s aim.

See more of our latest Legal coverage
or add an alert for future coverage of Legal.

Yet, whilst the internet does not yet reach everybody, a web service would reach a far greater audience and would provide a better platform for future growth.

Although we know it’s connected to the Big Society doctrine, Hunt had not, until today, articulated why local information provision is important…

If it is to reconnect citizens with the business of their local governments and communities, such a plan could have better invested in amplifying the many disparate communication efforts, already undertaken by local councils, through digital media, alongside small advertisers, community groups etc.

Nicholas Shott’s review for Hunt made clear there is little chance of such an enterprise making money. Yet Hunt has conceived a model which, first and foremost, invites commercial tenders, funded by national advertising. Far better might have been an effort that puts the citizen first - a grassroots one, run on a cost-neutral basis, whose product would likely have been more direct-access information and interpretation than TV talking heads. Why not involve community groups from that same Big Society which the UK government is trying to create, rather than just commercial broadcasters?

The pieces are already there - look at the countless council websites, the excellent work on democratic access by MySociety with projects like TheyWorkForYou and FixMyStreet, the video streams broadcast by local governments, the new wave of local blogs - oh, and the hundreds of newspapers which already exist in communities across the land.

The way people get their local information has changed considerably in recent years - and not just for young urbanite geeks. But Hunt has proposed an old-fashioned model - a new Freeview TV channel with local opt-outs - that sounds rather like ITV’s traditional remit, while ITV (LSE: ITV) News itself limps poorly on in the regions, waiting to be put out of its misery. Why not just fix ITV?

While existing local media like newspapers, under economic and structural pressure, struggle to perform the same function of Hunt’s new aim (“provide citizens with a voice, local businesses with a platform for promotion and advertising and the local democratic process with greater accountability”), Hunt has decided to turn his head toward another medium, but still an old one, to do the job from scratch.

By offering local content only to a handful of the UK’s largest cities, Hunt may, by implication, create a two-tier system, in which some electors are well-informed and others are less so. Hunt even acknowledges that devolved nations have an entirely different inclination (“A local TV solution in the nations might be nation-wide”).

Better than all this may have been to lay the groundwork for a truly nationwide, next-generation, text- and video-based local information network - after all, the internet has a knack of being an everything medium, itself supporting many different kinds of media.

If Hunts stays true to the aims of the policy, such a service does not necessarily need to be primarily a lumbering audio-visual one, like in days gone by.

But Hunt, whilst accepting that a mass IPTV audience is some way off (it will figure merely “in due course”), has skipped over serious consideration of online because he has conceived the service first and foremost as a television enterprise.

By kicking the IPTV ball in to the long grass in favour of Freeview now, Hunt risks letting in old-guard broadcasting types who are merely keen to get their hands on valuable DTT spectrum at a knock-down price.

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Econbrowser: The employment news is good (I think)

The employment news is good (I think). The Bureau of Labor Statistics reported yesterday that the unemployment rate has fallen from 9.8% in November to 9.0% in January, as big a two-month drop as we've seen in the last 50 years (hooray! ...

Denver Broncos News: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Fashion News - Week in Review: Kate Moss Gets Engaged, Gisele ...

Here's all the fashion news that's fit to print! Enjoy!

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See more of our latest Legal coverage
or add an alert for future coverage of Legal.

Yet, whilst the internet does not yet reach everybody, a web service would reach a far greater audience and would provide a better platform for future growth.

Although we know it’s connected to the Big Society doctrine, Hunt had not, until today, articulated why local information provision is important…

If Hunts stays true to the aims of the policy, such a service does not necessarily need to be primarily a lumbering audio-visual one, like in days gone by.

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Econbrowser: The employment news is good (I think)

Denver Broncos News: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Fashion News - Week in Review: Kate Moss Gets Engaged, Gisele ...

Here's all the fashion news that's fit to print! Enjoy!

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Econbrowser: The employment news is good (I think)

Denver Broncos News: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Fashion News - Week in Review: Kate Moss Gets Engaged, Gisele ...

Here's all the fashion news that's fit to print! Enjoy!

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See more of our latest Legal coverage
or add an alert for future coverage of Legal.

Yet, whilst the internet does not yet reach everybody, a web service would reach a far greater audience and would provide a better platform for future growth.

Although we know it’s connected to the Big Society doctrine, Hunt had not, until today, articulated why local information provision is important…

If Hunts stays true to the aims of the policy, such a service does not necessarily need to be primarily a lumbering audio-visual one, like in days gone by.

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Econbrowser: The employment news is good (I think)

Denver Broncos News: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Fashion News - Week in Review: Kate Moss Gets Engaged, Gisele ...

Here's all the fashion news that's fit to print! Enjoy!

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Econbrowser: The employment news is good (I think)

Denver Broncos News: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Fashion News - Week in Review: Kate Moss Gets Engaged, Gisele ...

Here's all the fashion news that's fit to print! Enjoy!

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Econbrowser: The employment news is good (I think)

Denver Broncos News: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Fashion News - Week in Review: Kate Moss Gets Engaged, Gisele ...

Here's all the fashion news that's fit to print! Enjoy!

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Econbrowser: The employment news is good (I think)

Denver Broncos News: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Fashion News - Week in Review: Kate Moss Gets Engaged, Gisele ...

Here's all the fashion news that's fit to print! Enjoy!

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Econbrowser: The employment news is good (I think)

Denver Broncos News: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Fashion News - Week in Review: Kate Moss Gets Engaged, Gisele ...

Here's all the fashion news that's fit to print! Enjoy!

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A few months ago, I wrote an introductory article about ways that online game players have been making real money in virtual worlds. While many game companies have enacted measures against the practice of some players selling characters, weapons, and loot at auction websites like eBay, these players in turn have become more sophisticated. (Note that eBay banned the sale of in-game items and other virtual assets in 2007)

"Gold Farming"

In Asian countries, particularly Korea and China, massively multiplayer online role-playing game players number in the millions, much more than in the United States. Lineage and World of Warcraft have the in-game largest populations. There, in fact, Asian companies that pay employees on eight-to-ten hour shifts to do nothing but accumulate in-game "loot" by fighting game characters and monsters known to "drop" loot. This practice is known as "gold farming." These companies have been criticized for the extremely low paid player-employees.

Power Levelers

EZGamers is a service where novice massively multiplayer online game players can "rent" professional players (known as Power Levelers) to move their in-game characters up to more advanced game levels. The prime objective is to make a player's character more powerful.

24 hours of focused game play by a professional power leveler will cost a less experienced player about $25.

These types of services also sell pre-leveled characters.

In-Game Crafters

In some online multi-player games, like EverQuest II, players are offered the option of being "crafters", only rarely engaging in combat. Full-time crafters mostly do nothing but "craft" or manufacture in-game items like potions, spells, weapons, or armor. Some of these players sell their crafted items on auction sites for real money. Note that Station Exchange is the Sony-sponsored official auction site for EverQuest in-game items.

Entropia Universe

In 2006, Swedish multiplayer online game maker of Entropia Universe planned to introduce a real world ATM card into their game, allowing players to withdraw real cash from their game's virtual bank account. In 2007, Mastercard told the game company that they would no longer support the game's ATM Project.

Sparter

In 2007, a Silicon Valley company launched Sparter, an online peer-to-peer in-game item exchange operating much like an online stock broker. They earn their profits on trade commissions from sellers and specialize in World of Warcraft, a game with nine million subscribers.

Note that some online game companies like NCSoft, makers of Lineage, a MMORPG with millions of players, have banned more than 200,000 players for buying and selling virtual items for real money. The most vulnerable of game companies have been those who have introduced virtual currencies into their games.

Most massively multiplayer online game players have contempt for these pre-paid game shortcuts, claiming that these practices spoil a level playing field as well as the game economies, overvaluing certain items within the game.

SOURCES:

"The Life of the Chinese Gold Farmer", Julian Dibbell, New York Times, URL: (http://www.nytimes.com/2007/06/17/magazine/17lootfarmers-t.html?ei=5090&en=1676d344608cb590&ex=1339732800)

"Paying Real Money to Win Online Games", Robert Siegel, NPR, URL: (http://www.npr.org/templates/story/story.php?storyId=5032947)

"Virtual Cash Exchange", Mark Ward, BBC, URL: (http://news.bbc.co.uk/2/hi/technology/3368633.stm)

http://www.businessweek.com/magazine/content/06_18/b3982001.htm

"Gaming the Online Games", Mark Russell, Newsweek, URL: (http://www.msnbc.msn.com/id/6199780/site/newsweek)

"Sparter Opens Virtual Money Market", Ryan Olson, Red Herring, URL: (http://www.redherring.com/Article.aspx?a=22582&hed=Sparter+Opens+Virtual+Money+Market+§or=Industries&subsector=InternetAndServices)

"Making Money in Virtual Worlds", Laurence Holland and David Ewalt, Forbes, URL: (http://www.forbes.com/careers/2006/08/07/virtual-world-jobs_cx_de_0807virtualjobs.html)

"Entropia Universe players", Seth Schiesel, New York Times, URL: (http://www.nytimes.com/2006/05/02/arts/02entr.html?ex=1185768000&en=c0d0722216883506&ei=5070)

http://news.bbc.co.uk/2/hi/technology/4953620.stm

http://www.3pointd.com/20070131/entropia-atm-bank-ditched-by-mastercard/

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