Thursday, December 30, 2010

Ways of Making Money



Taegan D. Goddard is the founder of Political Wire, one of the earliest and most influential political web sites.



Goddard spent more than a decade as managing director and chief operating officer of a prominent investment firm in New York City. Previously, he was a policy adviser to a U.S. Senator and Governor.



Goddard is also co-author of You
Won - Now What?
(Scribner, 1998), a political
management book hailed by prominent journalists and politicians from
both parties. In addition, Goddard's essays on politics and public
policy have appeared in dozens of newspapers across the country,
including the Washington Post, USA Today, Boston Globe, San Francisco
Chronicle, Chicago Tribune, Philadelphia Inquirer and Christian Science
Monitor.



Goddard earned degrees from Vassar College and Harvard University. He lives in New York with his wife and three sons.






PRAISE FOR POLITICAL WIRE



"There are a lot of blogs and news sites claiming to understand
politics, but only a few actually do. Political Wire is one of them."



-- Chuck Todd, NBC News political director




"Concise. Relevant. To the point. Political Wire is the first site I check when I’m looking for the latest political nugget. That pretty much says it all."



-- Stuart Rothenberg, editor of the Rothenberg Political Report




"Political Wire is one of only four or five sites that I check every
day and sometimes several times a day, for the latest political news
and developments.”



-- Charlie Cook, editor of the Cook Political Report





"The big news, delicious tidbits, pearls of wisdom -- nicely packaged, constantly updated... What political junkie could ask for more?"



-- Larry Sabato, Center for Politics, University of Virginia





"If I were on the proverbial
desert island and had only one web site to access, Political Wire would
be it."



-- Dotty Lynch, CBS News political consultant




"Taegan Goddard has a knack for digging out political gems that too
often get passed over by the mainstream press, and for delivering the
latest electoral developments in a sharp, no frills style that makes
his Political Wire an addictive blog habit you don't want to kick."



-- Arianna Huffington, founder of The Huffington Post



"Political Wire is one of the absolute must-read sites in the blogosphere."



-- Glenn Reynolds, founder of Instapundit



"I love Political Wire. It is a one stop shopping site for all the political information I need. It makes me sound brilliant so naturally I like it!"


-- Dick Morris, political consultant



"I rely on Taegan Goddard's Political Wire for straight, fair political news, he gets right to the point. It's an eagerly anticipated part of my news reading."


-- Craig Newmark, founder of Craigslist.

Theory has it that Canadian banks are in far better shape than their US counterparts. If so, it's primarily because the Canadian Central Bank (Bank of Canada) has assumed nearly all the default risk on Canada's massive property bubble.

Is that supposed to make everyone stand up and salute the Loonie?

One key point that has recently come into the spotlight is Canadian citizens are not in better shape than their US counterparts. All those going "rah rah" over the Loonie, might be advised to consider some of the following articles.

Canadians warned to rein in borrowing on cheap money before it's too late


Bank of Canada governor Mark Carney issued a staunch warning to Canadians about the perils of cheap borrowing Monday, just as fresh data suggested household debt-to-income ratios have jumped to record highs.

"Household debt levels are at unprecedented levels relative to income — the level of vulnerability of households remains high," Carney told a news conference after a speech in Toronto.

Statistics Canada said Monday the ratio of debt to disposable income rose to 148.1 per cent in Canada in the third quarter — a close to five point jump — slightly ahead of the U.S. ratio of 147.2 per cent.

TD Bank chief economist Craig Alexander said it was natural that the government would explore ways to constrain borrowing, but said he also does not believe the situation has reached a crisis.


Apparently TD Bank chief economist Craig Alexander thinks it's best to wait until there is a crisis to do anything about it.

No doubt Alexander is a big believer in the Greenspan methodology of dealing with bubbles after they burst even though we have already seen the disastrous results of such complaisance.

Here's another good one from up North: Consumers warned: 'brutal reckoning' ahead


Bank of Canada governor Mark Carney issued another stern warning Monday on Canadians' appetite to take on record levels of household debt, which some analysts took as a signal he is set to raise interest rates as soon as the economy improves.

"Cheap money is not a long-term growth strategy," Carney said. "Low rates today do not necessarily mean low rates tomorrow. Risk reversals when they happen can be fierce: the greater the complacency, the more brutal the reckoning."

In Ottawa, Finance Minister Jim Flaherty said his government could tighten mortgage eligibility rules for a third time, if required, to keep credit growth in check.

Based on conversations he's had with banking executives, "there is no reason for extreme concern right now," Flaherty said. "But there is a reason for concern. So if it is necessary, we will toughen up the mortgage rules some more."


What's with this "no reason for extreme concern right now" nonsense? The Canadian property bubble is of epic proportion.

Flaherty too, appears to be a proponent of the Greenspan theory that bubbles can only be recognized in hindsight.

Blue Ribbon Complacency Awards

The blue ribbon for complacency goes to the Bank of Montreal for Debt picture not so bleak


Statistics Canada released data Monday showing that Canadian household debt has risen to 148 per cent of disposable income. The eye-popping figure is all the more alarming considering it's the first time since the 1990s that Canada's ratio has been higher than that of the U.S.

Alarm bells rang everywhere from the Bank of Canada to the Finance Department on Monday, and Canadians were urged to tighten their belts and prepare for a time of austerity.

But a closer look at the numbers indicates the picture might not be so bleak.

"The continued laser-like focus on debt overshadows the other half of the balance sheet," BMO chief economist Doug Porter said Monday.

Namely, Canadians are borrowing. But they're also saving, and they're worth more than they used to be.


Balance Sheet Theory Madness

Porter's statements are exactly the same kind of silliness we heard in the US regarding the central belief "massive debt is OK because it's supported by rising asset prices".

It was bad enough that anyone believed such nonsense a few years ago before the US property bubble blew sky high. That such beliefs still have proponents at the highest level of Canadian banks now seems rather amazing.

It just goes to show just how firm the belief "It's different here" is in Canada.

When housing prices crash, and especially if the stock market goes with it, what's left of Porter's "Balance Sheet Theory" will look something like a moldy slice of 3-year-old Swiss cheese.

Banks Won' Lead The Way

Toronto-Dominion Bank chief executive officer Ed Clark says Banks won't lead way on fixing debt problem.


If policy makers want Canadians to stop borrowing too much, it’s up to Ottawa, not financial institutions, to force a change in behaviour, says one of Bay Street’s longest-serving senior bankers.

Toronto-Dominion Bank chief executive officer Ed Clark acknowledged Canadians’ alarming debt levels, but said the issue is a matter of public policy and would be best resolved by a tighter government rules on residential mortgages.

In an interview with The Globe and Mail, Mr. Clark said that no bank wants to be the first to impose stricter requirements on borrowers out of fear that it will suffer a major loss of customers to rivals. Personal banking “is a highly competitive industry,” Mr. Clark said. “If we said ‘Look, we’re going to be heroes and save Canada from itself, and we’ll impose a whole new [mortgage] regime on everyone else,’ the other four [large] banks would say ‘Let’s carve them up.’ ”

Mr. Clark said it is impossible to expect any bank to crack the whip on borrowers because “market share loss is perceived as a strategic loss, not just a numerical or dollar loss.”


Dance Until The Music Stops

Clark sounds like he's a big believer in the Chuck Price Music Theory best described in retrospect as "Keep dancing until you dance out the door".

Flashback July 10, 2007: Quotes of the Day / Top Call


Chuck Prince - Citigroup CEO

No End Soon to Buyout Boom: “When the music stops, in terms of liquidity, things will be complicated. But as long as the music is playing, you’ve got to get up and dance. We’re still dancing".


Mish reply.

If ever there was market arrogance, the statements by Chuck Prince says it all.



In an interview with the newspaper, Prince said the boom will eventually end, but will continue for now because markets have plenty of liquidity, despite turmoil in the U.S. subprime mortgage market. He denied Citigroup was pulling back, the newspaper said. "When the music stops, in terms of liquidity, things will be complicated," he said. "But as long as the music is playing, you've got to get up and dance. We're still dancing.

Prince added: "The depth of the pools of liquidity is so much larger than it used to be that a disruptive event now needs to be much more disruptive than it used to be. At some point, the disruptive event will be so significant that, instead of liquidity filling in, the liquidity will go the other way. I don't think we're at that point.


My comment at the time was "I leave it to you to decide whether or not this is the 'last dance'".

Flashback November 02, 2007: Music Stops for Chuck Prince


The party is over and the music has stopped for Chuck Prince. His last dance is a two-step out the door. Citi's Prince Plans to Resign.


Moral-Hazard Position of Bank of Canada

Toronto-Dominion's CEO does not give a damn about fundamentals, about acting on their clients' interests, or for that matter acting on shareholder interests. Clark's only concern is in not losing market share to the other Canadian banks until the whole mess blows sky high.

Canada's banks clearly don't care what happens as long as they can pass the trash to the Bank of Canada, the Canadian equivalent of Fannie Mae.

Clark's statements, as well as statements made by the chief economists of BMO and Toronto-Dominion, put a spotlight on the decidedly stupid moral-hazard mess the Bank of Canada has gotten itself into by backstopping mortgages of Canadian borrowers.

But hey, look on the bright side. The music is still playing. In memory of Chuck Prince, Keep on Dancin'

Addendum:

I said Bank of Canada in a couple of places where I should have said CMHC.

Here are a couple of corrections from Canadian readers.

"RP" Writes ....


Quick corrections here Mish. Mortgages in Canada are guaranteed by the CMHC, which is a crown corporation equivalent to Fannie Mae. Anything less than 20% down requires this insurance, so that's the source of the Canadian banks' "health". The loose lending standards were set by the current "Conservative" government, a few months after they came in office. We had 0 down, 40 year mortgages insured by the government for a couple of years. Now it's officially 5% down and 35 years, but every bank will lend you the downpayment. The government also insures mortgages for rental properties.


Similarly, "MS" writes ....


Hey Mish,

One inaccuracy that should be corrected. It's the CMHC (Canada Mortgage and Housing Corporation) that serves as the equivalent to Fannie and Freddie, not the BoC. The CMHC insures mortgages for below market rates, and the major banks pass along their loans to them.

The Conservative government ordered the CMHC (a crown corporation) to insure some $300 Billion in additional mortgages during the crisis - nearly double their previous holdings. It is this that has buoyed the Canadian R/E market since then. Banks don't worry about credit worthiness, because the CMHC will take it anyway in order to meet their quota.


"Moi" Writes ....


Mish you are one of the few Americans that seem to "Get It". So many of the other US financial writers talk glowingly about how sound Canada is financially and how the Canadian banks did not take part in the risky lending practices that the US banks have taken part in. This is complete and utter BS!! The Canadian banks are doing the same sort of zero down or variable rate mortgages it's just they have none of the risk to worry about. 600 Billion dollars worth of that mortgage risk is held by the government of Canada thanks to the Canada Mortgage and Housing Corporation (CMHC). There are cash back mortgages every where in this country. In other words come up with your measly 5% down payment and the bank will give you 5% back. So here in Canada we proudly brag about how we do not have zero down mortgages, we just call them by a different name. Also, if you do not have 5% to put down no problem. All of the banks will loan you money to by an RRSP (IRA), you can than cash that RRSP to be paid back later and use that as your 5% down payment. Voila, zero down mortgages.

The Canadian Association of Accredited Mortgage Professionals came out last month with their "Good News" annual report last month. Just like the Real Estate Industry, all news is good news. Take a look at the numbers. At these absolutely rock bottom interest rates:

100,000 mortgage holders would be in trouble with any rate move.
350,000 mortgage holders would be in trouble if rates only go up less than 1 percent.
250,000 mortgage holders would be in trouble if rates went up between 1 and 1.5 percent.

So, if interest rates which are at Century lows went up a measly 1.5 percent, 700,000 mortgage holders in Canada would be in trouble. What if they went up 2 or 3%? It would be mortgage Armageddon in Canada. This is how precarious our housing market. The following link gives you just one tiny example of why Canadian housing is a house of cards that could topple at the slightest touch.
http://whispersfromtheedgeoftherainforest.blogspot.com/2010/05/pardon.html

http://www.theglobeandmail.com/report-on-business/canadian-mortgage-debt-tops-1-trillion-for-first-time/article1789172/

5% or more cash back mortgage:

http://www.tdcanadatrust.com/mortgages/5_cashback.jsp
http://www.rbcroyalbank.com/products/mortgages/cash-back-mortgage.html


Mike "Mish" Shedlock
http://globaleconomicanalysis.blogspot.com
Click Here To Scroll Thru My Recent Post List


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Fox <b>News</b> Channel&#39;s Kimberly Guilfoyle: Ignore CPAC boycotters <b>...</b>

Former first lady of San Francisco tells groups boycotting February convention to participate if they want to be heard.

Keith Olbermann: &#39;Fox <b>News</b> Is 100% Bullshit&#39;

Keith Olbermann is anything but hesitant when it comes to a battle with Fox News, and the MSNBC anchor took to Twitter Wednesday to share his views on the TV network he probably wouldn't even call a rival. "Fox News is 100% bullshit," ...

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Gov. Haley Barbour has pardoned Gladys and Jamie Scott, who were each serving life sentences for an $11 armed robbery. But to be released, Gladys, 36, must donate a kidney to her 38-year-old sister, Jamie, who requires dialysis and ...


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Tuesday, December 28, 2010

Money Making



One of the most discouraging things about the last two years was seeing swing voters in focus groups, when asked what President Obama's economic strategy was, repeat different versions of "Well, I know he said we needed to save the banks. Beyond that, I'm not sure." When Obama in his first State of the Union gave a vigorous defense of bailing out the banks, saying he knew it about as popular as a root canal, and saying "I get it", it was very memorable to voters. But when his predictions about what would happen when the banks were stabilized -- they would start making loans to businesses, and businesses would start hiring -- didn't happen, and instead the banks gave themselves record breaking bonuses, voters turned on Obama fast. In exit polls on Nov. 2nd, when asked who was most to blame for the bad economy, voters by a wide margin said Wall St. was most to blame, and the voters who said that went Republican by a 14-point margin.



Obviously, saving the banks hasn't been the President's only economic strategy. The stimulus bill, while too small, was an important job creator/saver. Saving the American auto industry was an incredibly important thing to do. Health care reform was in part a long term economic strategy. The infrastructure bank idea is a great potential job creator. Extending unemployment insurance helps keep money in the economy. And all the tax cutting going on is clearly meant to have some stimulative effect, although how much is highly debatable.



However, there have certainly been times where Secretary Geithner, who has been the main driver of the economic strategy, seems to think and act as if helping the big banks and helping the economy amount to the same thing. The tepid reaction to the foreclosure crisis has sure felt that way -- apparently we can't freeze foreclosures or do much to help homeowners because it might "endanger" the banks. In fact, I would argue the exact opposite: that our number one economic strategy right now should be to shift money from the big banks to the real economy, to Main Street businesses and workers and consumers. The big banks are hoarding extraordinary amounts of money, and they are clearly not investing it in job creating businesses. They are speculating with it, they are trading with it, they are investing in complicated financial instruments that do nothing to create jobs- in fact, they are sucking capital out of the real economy that might actually create jobs. These massive financial conglomerates have way too much concentrated wealth and market power, and that is weakening the rest of the economy.



This is one reason why, as I wrote a couple of times last week, it is so important to write down the mortgages of homeowners who are underwater. Taking that money out of the bankers' hands and putting it in the hands of the hard pressed middle class would do more to stimulate the economy than any other thing the President could do right now. This is also why the Federal Reserve's new proposed rule, out last week, on swipe fees is so good. It would generally limit swipe fees to 12 cents per transaction. Right now the average is 44 cents, and with most small businesses it's quite a bit higher. If this rule is upheld, this is money that will go straight from the big banks' profit margins into the main street economy -- all told, probably a $15 billion boost going back to retailers, restaurant owners, taxi cab drivers, and hopefully consumers. $15 billion going from Wall Street, speculative economy into the real economy is a nice lift right now. This is why I have been working with retail business leaders and consumer groups to support this new regulation.



Unfortunately, not all Democrats see it this way. Tom Carper and Mark Warner tried to head off the amendment that made this regulation happen in the Senate, and have been lobbying the Federal Reserve against a strong regulation on the subject ever since they lost the legislative fight. And Barney Frank, who is a great liberal on social issues but spends way too much time with bank lobbyists, was whining on Friday how unfair the proposed rule was to the poor bankers.



Barney, you got this one wrong. Democrats should not be looking out for the bankers, we should be looking for every single opportunity we can to drain the Wall St. swamp. The big banks are hoarding money. They have way too much market power, and when their profits expand, they put that money into the speculative economy rather than the real economy that manufactures goods, sells products and services, and creates jobs. When we take a dollar away from them, and put it into the real economy, there is actually a multiplier effect as people on Main Street spend or invest the money in real products. When mortgages get written down, it helps the real economy. When swipe fees on credit or debit card transactions get lessened, it helps the real economy. If we instituted a transactions tax on every trade made on Wall St, and put that money into a jobs program, that would help the real economy.



The big banks are hoarding our money. Our best economic program right now is to shift money from the banks, and put it into the hands of consumers who might actually buy products and businesses who might actually hire more workers.









Don't Worry, Howard Stern's Still Making a Ludicrous Amount of Money





In your sunny Thursday media column: Howard Stern returns to Sirius, the NYT social media editor disappears, Brenda Starr dies, errors galore, and more!



  • Howard Stern has signed a five year deal to keep his show on Sirius Radio. No exact monetary figure yet, but his last deal was $100 million a year, and he called this deal "very fair," so it has to be in the same ballpark. The good thing is it keeps Howard Stern fans all in one easily identifiable media ghetto.



  • The New York Times has quietly eliminated its useless (we say that with no prejudice) "Social Media Editor" position. Jennifer Preston, who held it, is returning to reporting. The paper will reportedly "shift social media responsibilities to Aron Pilhofer‘s interactive news team." Ah well. We'll always have the archives of Jennifer Preston's Twitter feed to remember this amazing time in history.



  • After 70 years, "Brenda Starr, Reporter" is ending as a daily comic strip. Brenda Starr will take over as the New York Times social media editor.



  • Regret The Error's "Year in Media Errors and Corrections" list is well worth reading tits.



  • Confidential to Joe Lieberman: keep talking all that shit about investigating the New York Times for Wikileaks. See how that works out for you.


[Photo: Getty]



Send an email to the author of this post at Hamilton@gawker.com.







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2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

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2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

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Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

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2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

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2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

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2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

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Weird News From Our Partners. Fark � Fark's 2010 Headline of the Year contest: Politics tab headlines � Fark's 2010 Headline of the Year contest: Showbiz tab headlines ...

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

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2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

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2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.


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Fox <b>News</b> Channel marks nine full years as top-rated <b>news</b> channel <b>...</b>

Hal Boedeker of Orlando Sentinel is The TV Guy. Dishing on TV, the news and what everybody is talking about.

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Weird News From Our Partners. Fark � Fark's 2010 Headline of the Year contest: Politics tab headlines � Fark's 2010 Headline of the Year contest: Showbiz tab headlines ...

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

2010 is almost done, and the cable news ratings for the entire year are in. As always, Fox News came out on top, thoroughly dominating the competition and taking the top 12 slots on the ratings list.


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Thursday, December 23, 2010

Secrets to Making Money



“Rock 'n’ roll is art, but it also means sex, so it’s just the perfect combination -- especially for the young teenage girl. I remember when Mick Jagger lit me up when I was 15, and I thought, 'OK, I want some of that.' our relationship was purely sexual.”

Des Barres was motivated to log her experiences, and those of her pals, because she felt the word "groupie" had become something tawdry, especially as reality shows featuring rock stars looking for love in a house full of women looking for fame became the norm.

“For a real groupie/music lover, you’re not in it for money. You’re in it for the thrill of being with someone famous,” she said. “Sure, we loved the little bonuses. Being taken on the road, staying in really cool places, but the main joy was to be with this person. We all fell in love. There were relationships.”

Her cross-country journey took her to Utah to see Tura Satana, the woman who taught Elvis a few tricks in the boudoir; Seattle, where Robert Plant's muse Michele Overman resides; Chicago, the home of iconic groupie Cynthia Plaster Caster; California to meet Cassandra Peterson, who was a well-known groupie before becoming Elvira; and Arkansas, to visit the famous Connie Hamzy, known solely as “Sweet Connie.”



“Sweet, sweet Connie, doin’ her act / She had the whole show and that’s a natural fact,” Grand Funk Railroad sang in its song "We're an American Band."

Hamzy, unlike the other groupies, was never looking to build relationships. She was after sex, and she unabashedly shared intimate moments with virtually every rock star -- even their roadies -- who came through Arkansas.


“Look, we’re not hookers, we loved the glamour,” she clarifies in the film when pressed about her conquests. “We’re getting to hang with celebrities. I’m 55 years old, so I don’t do the things I used to. I don’t look the way I used to. There aren’t women who could do what me or Pamela does. How many songs on the radio have a gal's name in it?”

Sweet Connie never minces her words -- ever. She boasts that she’s bedded -- or serviced -- anywhere from 700 to 1,000 musicians and their crew guys. She says she still gets requests from bands, which she is happy to oblige. Though a lot of her anecdotes can't be printed in this publication, one of her favorite memories is of helping Don Henley join the "Mile High Club" -- with a little bit of help, albeit unexpected.

“I had my eyes closed, because that's what you do when you're making love, before feeling another set of hands on me and it was the pilot. Then I realized, who could be flying this thing? Don tells me not to worry, it’s on autopilot,” she said. “My only complaint is they didn’t ask me how I felt. I mean, it can’t be safe to put the plane on autopilot, can it?”

Hamzy admits she sometimes got attached to some of the stars, including Eddie Van Halen (she also had his brother, “but not at the same time,” she quickly points out).

“I think I let him slip through my hands. I did get attached to some of them. I feel in love with some of them. You build attachments,” she says before catching herself. “But it's pointless. They are here today, gone tomorrow.”

When pressed about relationships with married musicians, she lets out a hearty chuckle. “I was with some and their wives, at one point,  which I didn’t mind. Most of the times the wives detest me. But I will say if they think I’m the only one who’s ever done this with their husbands, then they are very naïve.”

Overman, who also dated a pre-Aerosmith Steven Tyler, puts it differently when she thinks of her teen years with Plant (ironically, they dated at the same time Des Barres was seeing another Zeppelin member, Jimmy Page).

“It was an instant attraction. And he was married, so you know, it didn’t last. But it lasted for three years. I just really liked him,” Overman said. “I really wanted a boyfriend. And when you’re that young, you kinda don’t think about the consequences of that sort of thing. You just think it’s all going to work out the way you want, and you will ride off into the sunset. But it didn’t.”

“Let’s Spend the Night Together: Confessions of Rock’s Greatest Groupies” airs Wednesday at 8:30 p.m. on VH1.


-- Gerrick D. Kennedy


twitter.com/gerrickkennedy


Photos: (Top left) Pamela Des Barres and Keith Moon.


(Top middle) Vintage Des Barres.


(Top right) The GTOs, a groupie group created by Des Barres that featured her, Linda Sue Parker, Lucy  McLaren, Christine Frka, Sandra Leano, Judith Edra Peters and Cynthia Cale-Binion.


(Middle left) Vintage Michele Overman.


(Middle right) Jimmy Page with Des Barres.


All photos courtesy of VH1.


well i don't have much thought provoking opinion in regards to any of those 5 subjects. except Øbomba is a liar and has no balls. now i am very confused what to think about JA. i just read a long article this morning on NYT about the accusations these swedish woman made in regards to him and having sex with him. i think they sound like tiger's dumb doo girls. they wanted it so bad from this julian man, probably secretly wanted to get pregnant. then twist the whole story and condemn him. i am just sick of all this shit being news anyway.


yeah, let's just all be really merry around here like WB7 is every day. winky faces galore and so happy holidays. jeeze get real, it ain't so happy for 99% of people on this earth. why are you pretending to be so above this blight of criminals, destroying every piece of earth, wildlife, ocean beings and people's lives and future, happy holly dazing. america showing all this fake shit like lights and cutting down evergreen trees and putting stupid fake ornaments and lights in each window. it is a BIG waste of energy, that gets EXCEL energy wealthy and those MOFO ceo's billions. christ someone here in boulder put up a HUGE light bulb star on flagstaff mt. it looks hideous. stars don't look like this, nor made of fake stupid incandescent light bulbs.


i don't celebrate christMASS, i get through it.



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Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.

The Health Care Blog: Health 2.0 <b>News</b> launches

Today I'm very excited to tell you that Health 2.0 News is launching. We've had the Health 2.0 Blog for several years now and of course have extensively covered the world of Health 2.0 and the Health 2.0 Conferences on THCB. ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.


bench craft company scam

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.

The Health Care Blog: Health 2.0 <b>News</b> launches

Today I'm very excited to tell you that Health 2.0 News is launching. We've had the Health 2.0 Blog for several years now and of course have extensively covered the world of Health 2.0 and the Health 2.0 Conferences on THCB. ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.


bench craft company scam

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.

The Health Care Blog: Health 2.0 <b>News</b> launches

Today I'm very excited to tell you that Health 2.0 News is launching. We've had the Health 2.0 Blog for several years now and of course have extensively covered the world of Health 2.0 and the Health 2.0 Conferences on THCB. ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.


bench craft company scam

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.

The Health Care Blog: Health 2.0 <b>News</b> launches

Today I'm very excited to tell you that Health 2.0 News is launching. We've had the Health 2.0 Blog for several years now and of course have extensively covered the world of Health 2.0 and the Health 2.0 Conferences on THCB. ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.


bench craft company scam

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.

The Health Care Blog: Health 2.0 <b>News</b> launches

Today I'm very excited to tell you that Health 2.0 News is launching. We've had the Health 2.0 Blog for several years now and of course have extensively covered the world of Health 2.0 and the Health 2.0 Conferences on THCB. ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.


bench craft company scam

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.

The Health Care Blog: Health 2.0 <b>News</b> launches

Today I'm very excited to tell you that Health 2.0 News is launching. We've had the Health 2.0 Blog for several years now and of course have extensively covered the world of Health 2.0 and the Health 2.0 Conferences on THCB. ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.


bench craft company scam

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.

The Health Care Blog: Health 2.0 <b>News</b> launches

Today I'm very excited to tell you that Health 2.0 News is launching. We've had the Health 2.0 Blog for several years now and of course have extensively covered the world of Health 2.0 and the Health 2.0 Conferences on THCB. ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.


bench craft company scam

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.

The Health Care Blog: Health 2.0 <b>News</b> launches

Today I'm very excited to tell you that Health 2.0 News is launching. We've had the Health 2.0 Blog for several years now and of course have extensively covered the world of Health 2.0 and the Health 2.0 Conferences on THCB. ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.


bench craft company scam

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.

The Health Care Blog: Health 2.0 <b>News</b> launches

Today I'm very excited to tell you that Health 2.0 News is launching. We've had the Health 2.0 Blog for several years now and of course have extensively covered the world of Health 2.0 and the Health 2.0 Conferences on THCB. ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.


bench craft company scam

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.

The Health Care Blog: Health 2.0 <b>News</b> launches

Today I'm very excited to tell you that Health 2.0 News is launching. We've had the Health 2.0 Blog for several years now and of course have extensively covered the world of Health 2.0 and the Health 2.0 Conferences on THCB. ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.


bench craft company scam

Michelle Ryan and a Brief History of the Foot Fetish - AOL <b>News</b>

Foot fetish videos believed to feature Michelle Ryan, the wife of New York Jets Coach Rex Ryan made the rounds on the Internet on Wednesday, and Surge Desk dug up some interesting facts on what Sigmund Freud termed.

The Health Care Blog: Health 2.0 <b>News</b> launches

Today I'm very excited to tell you that Health 2.0 News is launching. We've had the Health 2.0 Blog for several years now and of course have extensively covered the world of Health 2.0 and the Health 2.0 Conferences on THCB. ...

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.


bench craft company scam

Wednesday, December 22, 2010

Making Money Web

I'm exploring the site now. First impressions:

1. Promoted Tweets: "When you promote a Tweet, only the most relevant users see it—put simply, that's users that follow similar accounts to yours." OK - so Twitter has some kind of (proprietary) segmenting algorithm. Does that mean "If I'm promoting tweets about RC Cola, users following Coke and Pepsi will see it, but someone who isn't following either of them won't?" What about someone who's following a celebrity that Coke or Pepsi sponsors? I guess if I were a brand, I'd want something a little more specific than that. On Facebook, I can say, "Only 18-35 year old males who are fans of any NBA team will see ads for my basketball shoes." What's the equivalent on Twitter?

2. Promoted Trends: Yeah, Carri's right about this one *and* there's another hitch. The way this has been described, a trend has to *already* be a Trending Topic before you can promote it. That means the brand has to sit at a console, watching Twitter, or have a script watching the world-wide, local and regional trending topics. When a new trend is "born", the brand has to decide if it's relevant, compose a tweet, then hit the "Promote" button.

I've seen Promoted Trends, so they must either have had a strong clue that it was going to make it into the Trending Topics ahead of time, like a sports event or TV show, or they were camped out on a console. I know the W+K people had a whole control center for the Old Spice campaign, complete with home-brew analytics, creative and legal teams working in real time, and so on. In any event, this seems to me to be a big-brand tool only, in conjunction with mass media and real-time campaign management and lots of data integration.

There are a few other issues with Promoted Trends. Every user can choose to see "World Wide" Trending Topics, or trends from certain cities or regions. If you're promoting a Boston restaurant, I'd think you'd only want to show the Promoted button to people who were viewing Boston trending topics. Another issue is spammers. When the list of trending topics updates, there are spambots that latch on to multiple topics - if I viewed "Boston Celtics" during a basketball game, sure, I'd see a Promoted Tweet for the restaurant at the top, but right after than I'd see a bunch of garbage. Twitter needs to filter the spam out of Trending Topics before Promoted Trends will be effective. I think it's an easy piece of code to write - just ignore any tweet that matches more than one trending topic.

3. Promoted Accounts: As far as I'm concerned, I don't know that I'd buy a promoted account if Twitter was filtering who saw it. I don't think Twitter's "Who To Follow" algorithms are that good yet. For example, I followed a math teacher in the UK recently who tweeted something interesting. For *days* after that, Twitter's Who To Follow list was mostly math teachers in the UK! Either they all follow each other or Twitter is looking at the profiles. If I bought a Promoted Account I'd want to either know how many people would see it and how they were selected, or I'd just want everyone to see it. And If I only pay per follower and not per view, I think I'd insist on knowing how they were segmented - I wouldn't want to have to spend my own resources qualifying followers.

4. Analytics: I'm really glad Twitter is providing those only for advertisers, because they're going to be tweaking the algorithms for months, and that costs money. Again, though, you really need to be a big brand before you can dedicate a real-time Twitter team to a campaign.

Bottom line: even with all the issues, I think it's going to be successful for campaigns like the Old Spice campaign, major league sports, mass market movies and television shows. It's working for Conan O' Brian, it worked for Old Spice, it probably worked for Best Buy and some of the movies that used it.

But for smaller businesses, with, say, a single person at a dashboard for a local business in one of the cities where Twitter captures Trending Topics, it's going to be a bit like day trading. Eventually, you'll learn how to do it, how to follow trends, promote them, compose a tweet stream that "resonates", etc., but there won't be much "science" in it. Spammers will figure out how to game it and "black hat Twitter resonance optimizers" will appear on the scene as if by magic.








InDinero



Billed as the Mint.com for small businesses, InDinero launched in early July and is a real-time financial dashboard for companies. The Y Combinator-backed startup is led by 20-year-old Jessica Mah, who got the idea for InDinero while she was selling items on eBay in middle school.



"I had no idea how much money I was actually making," Mah told us in July. Mah, who is obviously some kind of super-genius, graduated from UC Berkley's computer science program this year at the age of 19 and promptly began putting the finishing touches on the Web app, which closely resembles Mint.com.



InDinero is free for up to 50 transactions per month, $29.95 for up to 500, and $99.95 for an unlimited number of monthly transactions.



Rapportive



Rapportive may not have been designed specifically for small businesses, but it sure makes life for pretty much any business owner easier. The Gmail plugin creates a widget that sits to the right of any open email message and culls data from the Web to tell you exactly who miscellaneousperson@whateverbusiness.com really is.

Depending on how readily available such details are, Rapportive will pull an avatar image, name, job title, recent tweets and links to any active social networking profiles the person may have. You can even connect with somebody on LinkedIn via Rapportive, without leaving Gmail.



Next page: No longer is there a barrier for even the smallest of businesses to begin accepting credit cards where ever they may be...








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Facebook Rolling Out More Prominent Design of <b>News</b> Feed Filters

Facebook is rolling out a new way to filter the news feed. Users with access to the redesigned feature see a drop-down arrow beside their Most Recent news feed tab on the home page, revealing filters for status updates, Photos, Links, ...

Technolog - Facebook&#39;s new filters let you control <b>news</b> feed

Sometimes when Facebook comes out with something new, it immediately attracts the ire of its users, like when it made the News Feed font smaller or when the News Feed morphed to the oft-times confusing "Top News" vs.

After Early Administration Denials, Director of National <b>...</b>

After initially suggesting that Director of National Intelligence James Clapper's inability to answer a question from ABC News anchor Diane Sawyer about the arrests of 12 suspected terrorists in London was because her question was too ...


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Facebook Rolling Out More Prominent Design of <b>News</b> Feed Filters

Facebook is rolling out a new way to filter the news feed. Users with access to the redesigned feature see a drop-down arrow beside their Most Recent news feed tab on the home page, revealing filters for status updates, Photos, Links, ...

Technolog - Facebook&#39;s new filters let you control <b>news</b> feed

Sometimes when Facebook comes out with something new, it immediately attracts the ire of its users, like when it made the News Feed font smaller or when the News Feed morphed to the oft-times confusing "Top News" vs.

After Early Administration Denials, Director of National <b>...</b>

After initially suggesting that Director of National Intelligence James Clapper's inability to answer a question from ABC News anchor Diane Sawyer about the arrests of 12 suspected terrorists in London was because her question was too ...


bench craft company scam

Facebook Rolling Out More Prominent Design of <b>News</b> Feed Filters

Facebook is rolling out a new way to filter the news feed. Users with access to the redesigned feature see a drop-down arrow beside their Most Recent news feed tab on the home page, revealing filters for status updates, Photos, Links, ...

Technolog - Facebook&#39;s new filters let you control <b>news</b> feed

Sometimes when Facebook comes out with something new, it immediately attracts the ire of its users, like when it made the News Feed font smaller or when the News Feed morphed to the oft-times confusing "Top News" vs.

After Early Administration Denials, Director of National <b>...</b>

After initially suggesting that Director of National Intelligence James Clapper's inability to answer a question from ABC News anchor Diane Sawyer about the arrests of 12 suspected terrorists in London was because her question was too ...


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Facebook Rolling Out More Prominent Design of <b>News</b> Feed Filters

Facebook is rolling out a new way to filter the news feed. Users with access to the redesigned feature see a drop-down arrow beside their Most Recent news feed tab on the home page, revealing filters for status updates, Photos, Links, ...

Technolog - Facebook&#39;s new filters let you control <b>news</b> feed

Sometimes when Facebook comes out with something new, it immediately attracts the ire of its users, like when it made the News Feed font smaller or when the News Feed morphed to the oft-times confusing "Top News" vs.

After Early Administration Denials, Director of National <b>...</b>

After initially suggesting that Director of National Intelligence James Clapper's inability to answer a question from ABC News anchor Diane Sawyer about the arrests of 12 suspected terrorists in London was because her question was too ...


bench craft company scam

Facebook Rolling Out More Prominent Design of <b>News</b> Feed Filters

Facebook is rolling out a new way to filter the news feed. Users with access to the redesigned feature see a drop-down arrow beside their Most Recent news feed tab on the home page, revealing filters for status updates, Photos, Links, ...

Technolog - Facebook&#39;s new filters let you control <b>news</b> feed

Sometimes when Facebook comes out with something new, it immediately attracts the ire of its users, like when it made the News Feed font smaller or when the News Feed morphed to the oft-times confusing "Top News" vs.

After Early Administration Denials, Director of National <b>...</b>

After initially suggesting that Director of National Intelligence James Clapper's inability to answer a question from ABC News anchor Diane Sawyer about the arrests of 12 suspected terrorists in London was because her question was too ...


bench craft company scam

Facebook Rolling Out More Prominent Design of <b>News</b> Feed Filters

Facebook is rolling out a new way to filter the news feed. Users with access to the redesigned feature see a drop-down arrow beside their Most Recent news feed tab on the home page, revealing filters for status updates, Photos, Links, ...

Technolog - Facebook&#39;s new filters let you control <b>news</b> feed

Sometimes when Facebook comes out with something new, it immediately attracts the ire of its users, like when it made the News Feed font smaller or when the News Feed morphed to the oft-times confusing "Top News" vs.

After Early Administration Denials, Director of National <b>...</b>

After initially suggesting that Director of National Intelligence James Clapper's inability to answer a question from ABC News anchor Diane Sawyer about the arrests of 12 suspected terrorists in London was because her question was too ...


bench craft company scam

Facebook Rolling Out More Prominent Design of <b>News</b> Feed Filters

Facebook is rolling out a new way to filter the news feed. Users with access to the redesigned feature see a drop-down arrow beside their Most Recent news feed tab on the home page, revealing filters for status updates, Photos, Links, ...

Technolog - Facebook&#39;s new filters let you control <b>news</b> feed

Sometimes when Facebook comes out with something new, it immediately attracts the ire of its users, like when it made the News Feed font smaller or when the News Feed morphed to the oft-times confusing "Top News" vs.

After Early Administration Denials, Director of National <b>...</b>

After initially suggesting that Director of National Intelligence James Clapper's inability to answer a question from ABC News anchor Diane Sawyer about the arrests of 12 suspected terrorists in London was because her question was too ...


bench craft company scam

Facebook Rolling Out More Prominent Design of <b>News</b> Feed Filters

Facebook is rolling out a new way to filter the news feed. Users with access to the redesigned feature see a drop-down arrow beside their Most Recent news feed tab on the home page, revealing filters for status updates, Photos, Links, ...

Technolog - Facebook&#39;s new filters let you control <b>news</b> feed

Sometimes when Facebook comes out with something new, it immediately attracts the ire of its users, like when it made the News Feed font smaller or when the News Feed morphed to the oft-times confusing "Top News" vs.

After Early Administration Denials, Director of National <b>...</b>

After initially suggesting that Director of National Intelligence James Clapper's inability to answer a question from ABC News anchor Diane Sawyer about the arrests of 12 suspected terrorists in London was because her question was too ...


bench craft company scam

Facebook Rolling Out More Prominent Design of <b>News</b> Feed Filters

Facebook is rolling out a new way to filter the news feed. Users with access to the redesigned feature see a drop-down arrow beside their Most Recent news feed tab on the home page, revealing filters for status updates, Photos, Links, ...

Technolog - Facebook&#39;s new filters let you control <b>news</b> feed

Sometimes when Facebook comes out with something new, it immediately attracts the ire of its users, like when it made the News Feed font smaller or when the News Feed morphed to the oft-times confusing "Top News" vs.

After Early Administration Denials, Director of National <b>...</b>

After initially suggesting that Director of National Intelligence James Clapper's inability to answer a question from ABC News anchor Diane Sawyer about the arrests of 12 suspected terrorists in London was because her question was too ...


bench craft company scam

Facebook Rolling Out More Prominent Design of <b>News</b> Feed Filters

Facebook is rolling out a new way to filter the news feed. Users with access to the redesigned feature see a drop-down arrow beside their Most Recent news feed tab on the home page, revealing filters for status updates, Photos, Links, ...

Technolog - Facebook&#39;s new filters let you control <b>news</b> feed

Sometimes when Facebook comes out with something new, it immediately attracts the ire of its users, like when it made the News Feed font smaller or when the News Feed morphed to the oft-times confusing "Top News" vs.

After Early Administration Denials, Director of National <b>...</b>

After initially suggesting that Director of National Intelligence James Clapper's inability to answer a question from ABC News anchor Diane Sawyer about the arrests of 12 suspected terrorists in London was because her question was too ...


bench craft company scam

Facebook Rolling Out More Prominent Design of <b>News</b> Feed Filters

Facebook is rolling out a new way to filter the news feed. Users with access to the redesigned feature see a drop-down arrow beside their Most Recent news feed tab on the home page, revealing filters for status updates, Photos, Links, ...

Technolog - Facebook&#39;s new filters let you control <b>news</b> feed

Sometimes when Facebook comes out with something new, it immediately attracts the ire of its users, like when it made the News Feed font smaller or when the News Feed morphed to the oft-times confusing "Top News" vs.

After Early Administration Denials, Director of National <b>...</b>

After initially suggesting that Director of National Intelligence James Clapper's inability to answer a question from ABC News anchor Diane Sawyer about the arrests of 12 suspected terrorists in London was because her question was too ...


bench craft company scam

Thursday, December 9, 2010

personal finance programs

Ronald D. Sugar Joins Apple's Board of Directors



CUPERTINO, Calif.--(BUSINESS WIRE)--Apple® today announced that Dr. Ronald D. Sugar, former Chairman of the Board and CEO of Northrop Grumman Corporation, was appointed to Apple's Board of Directors. Dr. Sugar will serve as the Chair of the Audit and Finance Committee.



"Ron is an engineer at heart, who then became a very successful business leader. We are very excited to welcome him to Apple's Board"



"Ron is an engineer at heart, who then became a very successful business leader. We are very excited to welcome him to Apple's Board," said Steve Jobs, Apple's CEO. "In addition to having been the CEO of a high-tech Fortune 100 company, Ron has a Ph.D. in engineering and has been involved in the development of some very sophisticated technology."



"I have always had enormous admiration for the people of Apple," said Sugar. "It is a special privilege to serve on the board of such an amazing company."



Dr. Sugar served as Chairman and Chief Executive Officer at Northrop Grumman Corporation from 2003 until his retirement in 2010. Previous to Northrop, he held executive positions at Litton Industries and TRW Inc., where he served as chief financial officer.



He is a member of the National Academy of Engineering and a fellow of both the American Institute of Aeronautics and Astronautics and the Royal Aeronautical Society. He is a director of Chevron Corporation, Amgen Inc. and Air Lease Corporation, and serves as a senior advisor to the private investment firm Ares Management LLC.



He is a trustee of the University of Southern California, where he also holds the Judge Widney Chair as Professor of Management and Technology. He is a member of the boards of UCLA Anderson School of Management, the Los Angeles Philharmonic Orchestra and several other philanthropic organizations focused on children and education.



He graduated summa cum laude in engineering in 1968 from the University of California, Los Angeles, where he also received master's and doctorate degrees in the same field. He subsequently completed executive programs at Stanford, Wharton and Harvard.



Apple designs Macs, the best personal computers in the world, along with OS X, iLife, iWork, and professional software. Apple leads the digital music revolution with its iPods and iTunes online store. Apple is reinventing the mobile phone with its revolutionary iPhone and App Store, and has recently introduced its magical iPad which is defining the future of mobile media and computing devices.



NOTE TO EDITORS: For additional information visit Apple's PR website (www.apple.com/pr), or call Apple's Media Helpline at (408) 974-2042.



© 2010 Apple Inc. All rights reserved. Apple, the Apple logo, Mac, Mac OS and Macintosh are trademarks of Apple. Other company and product names may be trademarks of their respective owners.

This guest post is by Ali Luke, from The Creativity Toolbox.


How creative are you? A lot of bloggers feel that they’re not very creative people. Perhaps they come from a technical background. Perhaps they’ve never picked up a paintbrush in their life, and think that means they’re not creative. Perhaps they see creativity as something for other people.


The truth is, if you’re blogging—or even planning a blog—then you’re already much more creative than a lot of folks.

As a blogger, you’re not just creating content (though that’s the biggest area where you’ll be exercising your creative muscles).


Right from the start, you’re also creating:



  • the brand for your blog

  • your business plan and blogging strategy.


And if you’re bootstrapping your blog (almost all of us are, when we start out), you may well be creating:



  • your logo and site header

  • the look and feel of your blog (the fonts and colors you choose, for instance).


If you’re a little further along with blogging, you’ll be looking at creating extras like:



  • a regular email newsletter

  • ebooks

  • audio programs

  • physical books

  • membership content.


All that involves a lot of focused thinking, hard work, and a few sparks of inspiration.


Why creativity is so important for bloggers


When you visit a new blog, what encourages you to stick around? I’d guess it’s the quality of the content and the overall design.


If the posts are original and well-written, the blog looks good, and the topics fit together, then you’ll probably read on.


But if the posts comprise scrappy content, or long quotes from other people’s blogs, you’ll be gone within seconds. If the blog’s design looks like something from 1995, you probably won’t stay long. And if there’s no sense of cohesion—no plan or brand—then even if the content is good, you’ll probably not want to read yet another post about that cute thing the blogger’s cat did.


Your blog will succeed or fail on the strength of your creativity.


Blogs start to fail when bloggers:



  • get burnt out and carry on posting substandard content out of a sense of obligation

  • get tired and just post links to other people’s content

  • get bored and stop posting for weeks on end.


You don’t have to be wacky and weird in your creativity. It’s fine if your style is quite straight-laced, or casual and laid back, rather than humorous. You don’t have to have a complex metaphor or a really neat hook for every single post.


But you do need to create. Which means crafting your blog posts, not dashing them off. It takes energy, focus and dedication.


How to be creative—all the time


A lot of the folks I talk to seem a bit scared of creativity. They’re convinced that it’s something mystical or magical, like a bolt of lightning from the heavens.


The reality is that we’re all naturally creative. Not convinced? Think about your dreams: we’re all capable of making up wonderful stories and vivid pictures in our minds.


It’s important, though, to nurture your creativity—especially as you go further and further with your blogging. You might well feel hugely excited and motivated when you’re getting started with your blog, only to gradually lose that sense of inspiration and run out of steam. There’s nothing wrong with you—you just haven’t been focused on keeping your creativity bubbling away.


Write on topics you care about


This is crucial for me, and for many of the bloggers I talk to. You’ll find it tough to write consistently on a topic which bores you.


Sure, celebrity blogs might be big business. But if you couldn’t care less who’s sleeping with whom, then you’re better off writing about something else. Comic books, fine art, food, personal finance—whatever interests you.


If you’ve got a blog on a topic in which you’ve lost interest, see if you can find a particular angle that gives you a way back in. Maybe you’re fed up with writing about the technical specifications of the latest gadgets, but you could easily create a series on the innovative use of technology in the developing world.


Keeping learning more


Whenever I go to a conference, like BlogWorld, I come back with a bunch of ideas. There’s something invigorating about learning new things—and it often gets me back into a creative mood if I’ve been in a bit of a rut.


Of course, you don’t need to go to conferences to learn (though if you can make it to South by South West or BlogWorld, they’re well worth the investment). There’s a huge amount of learning material available for bloggers, including:



  • free blog posts here on ProBlogger, as well as on other blogs like Daily Blog Tips, Copyblogger, and Men with Pens

  • free podcasts such as BlogCastFM

  • ebooks and other downloadables like 31 Days to Build a Better Blog (I don’t think anyone could work through that and not come up with dozens of new ideas!)

  • online courses like Getting Started Blogging (which is free) or The ProBlogger Academy.


I’d suggest setting aside one hour, twice a week, just for learning. That might mean listening to an audio program, reading a section of an ebook, or browsing through blog archives. Use a notebook or blank document on your computer to jot down your thoughts.


Write down all your ideas


Ever had a great idea when you were out walking, on the bus, or watching TV?


Often, ideas don’t crop up when you’re at your computer. They’re sparked off by something which you see or do, and they pop into your head at the oddest moments.


It’s so easy for those ideas to slip away, or to end up half-remembered. If you’ve got a notebook in your bag, you can just scribble them down—you may even find yourself outlining a whole blog post or an entirely new strategy.


In fact, any time that you’re fleshing out an idea, try writing it down. It’s often easier to think things through when you start to put them into a physical form, rather than trying to hold everything in your head.


Don’t force yourself to create


Some days, you don’t want to sit down at the computer and write. But you drag yourself there anyway. You open up a document and stare at it for a bit. You resist the urge to check email, or play on Twitter.


You make yourself write.


You think you’re doing the right thing—after all, isn’t this what all the productivity experts would advise?

So after a couple of miserable hours, when you’ve finally managed a half-hearted post, you shove it onto your blog and go and do something fun.


You don’t get as many comments as usual. You don’t get retweets or links. And the next day, you feel even more fed up. But you sit down to write anyway…


I’m hoping you can see why this is a mistake. Creativity isn’t something you can force. Sure, you can probably apply a bit of self-discipline when you need to get the dishes done or clear your emails—but writing blog posts takes energy, and a certain amount of enthusiasm.


A number of the bloggers I talked to at BlogWorld said that they’d rather not write a post at all if they’re really not inspired—and I agree with them.


Don’t force yourself to create. Give yourself a regular time and place to write, but if you’re really not in the mood, take a break and do something else instead.


When you need inspiration


Sometimes, you’re keen to write, but you’re just not sure where to start. You want to write a blog post, or come up with an ebook outline, or get a brilliant headline for your latest piece—but that creative spark needs lighting first.


Here are four easy ways to find that inspiration.


Start with an image


If you use images for your posts, you probably write the post first and choose the image afterwards, right?


When you’re stuck, head over to Flickr, looking for a great image, then write the post to go with it.


As soon as you start looking at an image, your brain will begin to make connections and see possibilities. The picture you choose doesn’t have to have any obvious relationship to your blog’s niche—in fact, a seemingly-unconnected image will usually work best for sparking your creativity.


Brainstorm on paper


Staring at a blank Word document or the text box in WordPress?


Grab a piece of paper and a pen, and start jotting down ideas. If you’ve no clue where to begin, write down your blog’s name or topic in the center, or use your list of categories.


Don’t judge your ideas at this stage—write them all down, however unoriginal or boring they might seem. You’ll find that the ideas start flowing after a few minutes, and often a weak idea can lead to a great one.


Read news articles in your area


This works better for some niches than others, but often a news report can bring you a new idea. If you’re writing about health and fitness, you might look into some of the latest scientific research. If you cover techy topics, there’ll always be something new to write about.


Even evergreen content can be inspired by a news article. A report on average happiness levels, for instance, could lead to a thoughtful post on why we’re less happy today than in the past—despite generally having a better quality of life than people living 50 years ago.


Do something else entirely


When you’re waiting for an idea to develop, try getting away from your computer. Go for a walk, take a shower, tidy your office—anything that doesn’t require much mental effort. The thoughts you’ve been playing around with will continue to develop, and you’ll often find that a great idea comes effortlessly into your mind.


Just don’t forget your notebook so you can write it down…


What could you do, today, to bring the best of your creativity to your blogging?


Along with Thursday Bram, Ali Luke created The Creativity Toolbox—a set of three action-focused guides and seven powerful interviews with creative practitioners and experts. Want a huge creativity boost? Check it out…



bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.


bench craft company scam

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Small Business <b>News</b>: Changing The World With Entrepreneurship

Want to change the world? Become an entrepreneur. Sounds too simple, too idealistic, right? Ah, but it's true. Entrepreneurs make change and in the small.