gordonkeith1974 | February 15, 2010 | 10:06 pm

If Your Options Are To Change With The Times Or To Just Complain About Them, Which Is More Likely To Work?

from the just-wondering dept

Anthony Biedenkapp was the first of a few of you to send in a blog post from DJ Shadow where he complains about the state of the music industry. While I disagree with an awful lot of what he writes, it is worth reading. It is thoughtful and obviously from the heart. Unlike others, he doesn't seem to blame others, or attack his fans — he basically just says he doesn't like how things are going:

Specifically, when it comes to the wallet, everyone's suffering….of that there can be no doubt. And what of the financial prospects for musicians and recording artists in the years to come? Shaky, at best. Unless you're one of the grotesque 'Idol'-type pop disasters in the top 5, you're looking at getting a day job or finding other sources of income. Conventional wisdom amongst my peers has been remarkably short-sided over the last decade: “Yeah, CD sales are down, but all the money is in licensing.” Not anymore. “Yeah, licensing money is down, but the video game industry is killing it.” Less so these days, according to recent data. “Well, the real money is in touring.” Really? When was the last time you saw a 'new,' post-record company artist headline a major music festival? At this rate, we'll be stuck with Coldplay for decades (no offense intended).

Fair enough, though I think it misses the point entirely. First, it's true that anyone who thinks that there is one single silver bullet solution to the changing market is going to be disappointed. Rely too much on licensing? That's going to be a problem. Rely too much on video games? Ditto. Part of the point that we've been raising here is that you need multiple revenue streams that work well together — and one thing that helps the most in making those revenue streams work is exposure and a larger audience. And I definitely disagree with the claim that “everyone” is suffering. That's certainly not true. We've highlighted plenty of artists who are making a career in music who never would have made a living (let alone any money at all) under the old system. And, finally, it's really odd to suggest that the only way touring can be shown as successful is if a new non-label artist headlines a major music festival. What sort of standard is that? Corey Smith netted over $2 million last year, mostly from touring. Is he not successful because he didn't headline a major music festival? And who cares whether they have a label or not. The new business models don't require you to go without a label, just like they don't require you to go with a label.

Time for a little straight talk, from one reasonably intelligent human being to YOU, the reasonably intelligent reader. As distasteful as it may sound, the fact is that so many of our heroes: Jimi Hendrix, John Coltrane, The Beatles, whoever you care to name; generated much of their best art in return for financial compensation. If you take away the compensation, guess what… the art stops.

Except how many qualified musicians in the time of Hendrix, Coltrate and the Beatles didn't make it because they didn't win the golden lottery ticket from the labels? How many artists today have more control over charting their own course (again either on or off a label)? And, yes, plenty of them who are doing smart things, embracing multiple revenue streams, connecting with fans and offering them good scarce things to buy, are, in fact making money.

Every artist is entitled to their own price point, just as every consumer has a choice in what they purchase. Nobody puts a gun to someone's head and says, “Hey, buy this Picasso for 20 million.” Likewise, if $9.99 is too much to spend for one of my albums, so be it, your choice. But if you're holding your breath, waiting for me to boost my cool-quotient by giving my music away for free, it's not going to happen. The fact is that I feel my music has value. You may disagree, and that's fine. But I know how much energy I put into what I do, and how long it takes me to make something I'm satisfied with. Giving that away just feels wrong to me. It's not about money per se; I can donate a large sum of money to charity and not think twice, but I won't give my art away. I'd rather sell it to 100 people who value it as I do than give it away to 1000 who could care less. That's MY choice.

And this, I believe, is the crux of the argument — and it's the argument many artists have made over the years, but it's flawed in a variety of ways. First, it confuses price with value. We all value the air we breathe very much, but we don't pay for it. Price and value are not the same. Second, no one is suggesting he release music for free because it would increase his “cool-quotient,” but because, combined with other smart business models, it can help him make more money and reach a larger audience. In fact, as you read through the comments on his post, many of his fans point out that they first heard his music via file sharing. Third, he contradicts himself at the end of that paragraph. Above he talks about how we have to admit that making money really is the most important thing and that without it, people would make less music. But at the end of that paragraph above he says exactly the opposite: pointing out that he'd rather have a smaller audience and make less money if it meant people “valued” his music more. But, again, that's mixing up price and value.

Again, he is, of course free to express his opinion and do whatever he wants. But I think he is looking at the issue from the wrong angle and making some assumptions that aren't supported. There is a world of opportunity out there, and perhaps it's not as easy as it once was, and perhaps it requires things he doesn't like to do. And, yes, he can choose whatever business model he wants — but it's the market who determines if it's successful. And if the market is saying one thing, and he's choosing to do something else, then he's going to suffer — and that seems to go against the very point he was making at the beginning of the post about the importance of making money.

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New York Times Now Making Money

The New York Times Co. made money last year! A $20 million profit for 2009. Revenue fell more than 11% in the fourth quarter—but it's declining less than last year. Silver linings! Celebratory year-in-review internal memo below.

From: NYTIMES MAIL
Date: Wed, Feb 10, 2010 at 10:31 AM
Subject: On the Record from Arthur and Janet
To: NY TIMES INTERNET

Vol. 2 2010: Ending the Year Profitably

We are delighted to report that as a result of your dedication, courage and innovation, our Company ended the year profitably. As you can see in our earnings press release, 2009 ended far better than it began, with advertisers increasing their rate of spending across our newspapers, Web sites and other platforms during the fourth quarter. As we reported, operating profit increased both for the quarter and year.

Our fourth quarter and year-end numbers were a result of countless difficult decisions and sacrifices that were made at The New York Times, New England and Regional Media Groups and the About Group to restructure our cost base. We had to say goodbye to many colleagues and found ways to do our work more efficiently and productively.

As a result of all these actions, we have continued to reposition the Company to grow as a business while enhancing our ability to achieve our core mission: providing our audiences with high-quality news and information.

You have our gratitude for all we were able to achieve last year.

The fourth-quarter improvement in advertising trends was, of course, only part of the story. We also continued to aggressively pursue a long-term strategy that enhanced our Company financially and journalistically while providing new ways to compete in a media industry with proliferating news and information options. Specifically:

* We secured strong performance on costs by focusing relentlessly on increasing productivity and efficiency, achieving approximately $475 million in operating cost savings in 2009.

* We reduced the Company's debt by over $290 million to $769 million from its balance at the end of 2008. This means that our debt load is now far more manageable.

* We continued to diversify our revenue streams by introducing an array of new products and extending our reach to new audiences. Constant innovation and reinvention are core competencies for the Company, and we see examples of this wonderful digital creativity at all of our Web sites.

* We leveraged our brand strength to grow profitable circulation revenue, as we believe – and have been proven right – that continued strong user demand for our high-quality news and information is a testament to the value they provide.

* We also sold WQXR, our New York City classical radio station, for $45 million, and used the proceeds to reduce our outstanding debt.

With of all this said, revenues were still down for the quarter and year, and we are still in the midst of a challenging business environment. In almost every On the Record, we have talked about making the transition from a company that operated primarily in print to one that is increasingly digital and multiplatform in delivery. With that in mind, we wish to point out that online revenues are becoming a more important part of our mix, with Internet businesses contributing almost 14% of our total revenues and 22% of our ad revenues in 2009.

Last month, we announced that NYTimes.com has decided to introduce a new metered model in 2011 to create a second online revenue stream. We are already hard at work at executing this plan, and it is our expectation that this new effort will improve our ability to grow our Company.

Of course, the metered model will be one of our major 2010 initiatives, but there is more to do. While it would be helpful to have a greater sense of where the economy is heading, we are confident that we can build on our increasingly solid foundation. We will continue to streamline costs, strengthen our balance sheet and enhance our digital businesses. We recognize that the quality of our journalism is at the heart of our Company's success, but we also acknowledge that quality journalism can only survive as part of a profitable business organization.

For more information about our fourth-quarter earnings, please see the Company's release, available at http://www.nytco.com/investors.

Arthur and Janet

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

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managing personal finances

gordonkeith1974 | February 10, 2010 | 10:32 am

Everyone is exposed to finance at one time or another — be it in either their personal or professional lives. Personal finance, finance and managing your money is somewhat scary and daunting for a lot of people, so if you are one of these people then look no further as here is just a bit of guidance and a few suggestions as to how you can manage personal finance.

1. Know what you are dealing with and what you are doing. All finance is a risky business, so know what you are signing up for, taking out and doing.

2. Keep accurate records. Keep up to date, clear and concise records of all of your financial dealings. This will help you manage your finances better as well.

3. Keep your eye on the game and keep ahead of the crowds. Don't always follow what everyone else is doing, as this might not suit you, your lifestyles and your needs. Do what you want and need to do to keep your personal finances on the right track.

4. Get professional advice. If you are unsure or anything or with anything then its always best to seek impartial professional advice and guidance as and when required.

5. Control your personal finances – Don't let your personal finances control you.

6. Set yourself personal finance goals, aims and targets. To make keeping financial records more fun, enjoyable and rewarding, why not set yourself personal finance goals, stick to them, reach them and surpass them.

7. Use and keep a spreadsheet of your finances, your incomings, outgoings and expenses.

8. Take advantage of the best bank accounts out there, from ISAs to current accounts. Fill your ISA first and then put any additional funds into a flexible saver.

9. Try to find out and/or take a credit card with a good low APR.

10. Shop around – when it comes to buying anything and everything, find the best deals out there and around and this will help you manage your personal finances even better.

11. Consider changing your bank or building society. If you are not getting the most out of your bank or building society then consider switching, or consider telling your current bank that you're thinking of switching to another provider and see what they can do for you or offer you, to help you stay with them.

12. Don't sign before you read. When it comes to anything, especially finance, its always advisable and recommended that you read everything and anything before you sign it. If you are unsure of any of the small print then seek professional advice.

I hope you have found this article both useful and helpful and I wish you every success when it comes down to managing your personal finances.

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Stabroek News – Workers protest planned Air Jamaica sale to T&T

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Tags: online stock trading and investments

personal finance and budgeting

gordonkeith1974 | February 8, 2010 | 11:52 pm

The other week on MakeUseOf, we showed you how to ungoogle your life – if you so desire. I’ve decided to do the opposite. Since I’m a self-avowed Google fan, and am in this deep, I may as well give my entire life over to them, including managing my budget and expenses.

I’ve tried out a whole slew of web and phone apps with the sole purpose of managing my expenses, but nothing seemed to suit my personal needs. Each application was either too complex, or left out factors that were essential to me. So I decided an Excel sheet, saved on Google Documents, would be the best way to keep track of both the balance in my bank account, and my spending habits.

Depending on what your personal needs are, there are a variety of templates specifically for managing your budget, available on Google Documents, or if you need something more detailed, there’s Ryan’s guide to putting together your own personal budget on Excel, which you can then upload to your Google Documents.

When it comes to tracking my spending, there have always been two essential factors I need to consider. First, my modes of spending money are varied, whether I’m using one of my credit cards, my debit card, or cash. When I withdraw money from the ATM, I want that to be reflected in my expenses and bank balance, but I also want to keep track of what that money is being spent on.

My solution to this using Google budgeting tools was simple. Using Google Documents Checkbook Register template, I duplicated the first sheet, listing my bank balance and transactions taking place directly from my bank account – deposits, ATM withdrawals and credit card payments.

I used the second sheet to list the amount of cash I withdraw each month, and keep a record of transactions each time I spend money. That way I know what is being spent, where and how.

The template is very simple to use – enter your bank balance at the top of the balance column, and each time you add a new entry to the withdrawal or deposit columns, it will automatically calculate your new balance.

The second factor to consider was that some payments I make don’t clear until the end of the month. I decided to keep those transactions at the bottom of the spreadsheet, and to highlight them until the transaction cleared. That way, just by glancing at the balance above the highlighted transactions – I can see what my current balance is, and at the bottom, what it will be at the end of the month.

Spreadsheet formulas can be finicky, so there are a few things you need to keep in mind. You cannot leave a blank row in the spreadsheet, otherwise the formula will no longer work. Sometimes, when inserting a new transaction above the payments that have yet to clear, it can ruin the sequence of calculations. Don’t panic – simple copy the cell with the bank balance that is accurate, and paste it into all of the cells below it, and that will automatically repopulate the cells using the formula.

A word of warning when it comes to using Google Document templates. When you save a Google template to your documents, sharing is automatically set to public. Your personal budget is obviously not something you want to share with the rest of the world, so to remedy this, click on the share button in the top right hand corner. Under ‘See who has access,’ click on ‘People can view this item without signing in,’ and choose ‘Always require sign in.’

Next, click on the ‘Advanced Permissions’ tab and make sure all options are unchecked. Save your changes, and the document will now be private.

Now that I knew which Google budgeting tools I would be using to keep track of my monthly spending, I needed a way to keep track of my daily spending, so that at the end of each day, or week, I could enter the transactions into my spreadsheet.

Keeping it in the family, I decided to use Google Calendar. I wanted something I could easily access at my computer or on the go, which would also keep track of the exact dates these transactions were made.

I created a new calendar called ‘Expenses’ and each time I spend money, I immediately make an entry to that Google Calendar with a note of the amount, and what the money is being spent on.

I personally have my iPhone calendar synced to my Google Calendar. Google Sync works with the iPhone, Windows Mobile, Blackberry and Nokia S60 phones.

If you’ve already set up your iPhone to sync with Google Calendar, be sure to go back into your iPhone sync settings and add your ‘Expenses’ calendar to the list of calendars that are in sync. You could also put Google’s mobile apps to good use for this purpose.

There are lots of little tips and tricks for entering transactions to your Google Calendar easier. You can use Twitter to add entries to Google Calendar. The downside to using Twitter to add your expenses is that it will add any entries to your primary Google Calendar, and of course you’re sending your spending habits to a third party.

For those of you living in the US, you can also send in your entries from your phone via SMS, but again, this option only works with your primary calendar.

There are various ways you can then access the information on Google Calendar to later input into your spreadsheet. I find the Agenda tab the most convenient to use in this instance, as it displays it all in one continuous list.

Do you have any tips on how to use Google budgeting tools to manage your expenses? Let us know in the comments.

Personal finance blogger Girl with the Red Balloon put together a list of 11 ways she saves money at grocery stores.

The key to many of her tips is to restrict your exposure to impulse-buy opportunities. An excerpt:

5) Learn where your food is in the store and only visit those aisles. In my formative years of living on my own, I dated a man who walked down each and every aisle while grocery shopping. It would drive me crazy, mostly because it wasted so much time. I've learned now that I buy a lot more when I go down every aisle. Now, I look at the signs at the end of each aisle and only walk down the ones that have something I need.

6) Get over your loyalty to big brands. Before I met D, I was the world's worst for paying for the most expensive brand of milk in the store. “It's what my parents used when I was growing up! It's just better,” I'd pathetically try to rationalize. I've since accepted that store brand milk tastes just the same. And guess what? I spend 50% less buying the store brand of milk instead of the name brand. The savings aren't quite as much on other products, like shredded cheese, but it's still there. The only thing I've not bought store brand yet is cheese squares for my grilled cheese sandwiches, but I've also not needed to buy cheese singles for two months because I didn't use them all the last two trips.

Question your loyalty to these name brands. Why do we think they're better? Is it because you've tasted both brands and know the store bought brand tastes considerably worse? Then, fine. Buy the name brand. But if it's just because it's what you're used to, give it up for one trip to the store. Try the generic store brand one time and see how you feel.

What do you do to cut your grocery store expenditures?

Take that, grocery store! 11 tips to help you save [Girl with the Red Balloon]

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Tags: online stock trading and investments

budgeting personal finances

gordonkeith1974 | February 8, 2010 | 8:38 pm

Comments

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@rww there's a new UK personal finance site in beta called @MoneyDashboard http://www.moneydashboard.com/

Posted by: Steven Renwick |
January 7, 2010 12:22 PM
Also don't forget freeagent http://www.freeagentcentral.com/ – it's great for the self employed in the UK, with built in invoice tracking and self-assessment.

Posted by: Andy B |
January 7, 2010 2:21 PM
I have used mint off and on. I love how the design and user interface, but I wish it would work with the bank that holds my checking account. Perhaps i'll try out some of your other suggestions. Thanks for the info!

JG
loanpointusa

Posted by: Joe |
January 7, 2010 2:35 PM
I've been very happy with Xpenser. I can setup a budget and record expenses with email and sms (it also does twitter and im and a few other things). The main thing for me is ease of use so I stick with it, and this is the only one simple enough to stay with.

Posted by: Paula |
January 7, 2010 3:33 PM
For those looking for a more proactive approach to managing finances and budgeting (versus the reactive reporting approach supported by most tools), check out the Easy Envelope Budget Aid, built natively for Android and the mobile Web. It's based on the envelope budgeting approach of setting aside cash for particular expenses–in advance–and then spending out of those categories on a declining balance basis. Stop before you run out of your balance as opposed to find out after-thefact that you overspent.

EEBA lets you check your envelope balances and record transactions at point of sale allowing you to carry your virtual “envelopes” with you.

We're in open Beta right now, website at www.eebacanhelp.com

Posted by: Chi-Ming @ EEBA |
January 7, 2010 5:27 PM
Where is Mint's mobile site? I've never seen it.

Posted by: Sivan |
January 7, 2010 6:08 PM
There is also Serbian money management web application Slamarica . It's oriented not just for Serbia, but for all Adriatic region. There's more info on Digg http://digg.com/business_finance/Serbian_No_1_money_management_home_finance_web_application

Posted by: Nemanja Djordjevic |
January 9, 2010 1:04 AM
Thanks for this article. I'm looking forward to the rest. I find it interesting that http://moneycenter.yodlee.com doesn't show up more often in personal finance software reviews. It's free as well, and is quite feature rich. Part of the problem is Yodlee doesn't do that much to market the consumer side. (For good reason, they give it away.

Posted by: Philip Eoute |
January 9, 2010 9:54 PM
@Chi-Ming thanks for telling us about EEBA. I'm definitely trying that out!

Posted by: Philip Eoute |
January 9, 2010 9:55 PM
@Philip, you're welcome. We're iterating quickly, so let us know what you think!

Posted by: Chi-Ming @ EEBA |
January 9, 2010 11:01 PM
I just love Mint… simple and easy to use… user friendly.. what can I say! Thumb up!

Posted by: RichDadWisdom |
January 10, 2010 6:46 AM
But with any of the above: (1) can you manually add accounts not on their automated list; (2) multiple currency feature; (3) mobile/iPhone app?

I've tried Mint and Wesabe. Mint is US-only. Wesabe has dreadful import (all tags/categories are lost) and doesn't believe in account reconciliation (”Why would want that feature?” was their reply; perhaps b/c it's the oldest accounting feature in the book and I don't trust a bank's statement.)

I'm with MoneyWell (which uses envelope accounting), and is serving me well enough. But everyone's been waiting well over a year for a promised iPhone app.

I would pay handsomely for any online financial programme that satisfied all 3 feature requests above.

Posted by: Mr Ulster |
January 11, 2010 6:22 AM
In the uk theres http://www.inniaccounts.co.uk, but it's more for contractors

Posted by: Toby |
January 11, 2010 11:47 PM
I started using Mint but quickly realized that its sponsors and partners, the big banks, don't want you to use cash. Most of these “free” sites to manage your money encourage one thing – card use. Whether it's credit cards or debit cards, they make using and tracking them easy, and using and tracking cash difficult. This is because the banks all make money on card transactions, whether they are debit or credit based. They make no money on cash transactions. One of the best ways to save money and control spending is by using cash, and none of these services encourage that, by their design.

Posted by: B |
January 13, 2010 11:54 AM
Interesting article – what is the revenue model for sites like Mint, Kublax, MoneyStrands if the resource is free?

Posted by: Ciaran O'Reilly |
January 14, 2010 7:05 AM
Mvelopes also offers online personal finance management. It isn't free but I like the envelope based budgeting which forces you to cut down on spending. It also offers mobile access so you can track your spending while you're out shopping.

Posted by: Valerie @ Finance Software Store |
January 14, 2010 5:28 PM
I wonder how Cloud computing will influence online financial transactions. I am waiting to see what security issues evolve first.

Posted by: Stop Home Foreclosure |
January 18, 2010 5:53 PM
Does anyone have any recommendations for Australia?

Posted by: Marksin |
January 21, 2010 2:07 PM
How do users of these web-based financial programs feel about having their financial data available to these companies and the problematic privacy issues?

Posted by: Jeff |
January 23, 2010 3:38 PM
Yes, but does Mint allow you to export all your data (including tags/categories) so that you could port it into another program? As far as I can tell, it doesn't. I have several years of data built up using Quicken for Mac. This represents not only a lot of work on my part, but an important resource for understanding my spending patterns (not to mention for calculating capital gains/losses on stock transactions come tax time). I've gotten sick of Quicken's sucky user interface (and the fact that it doesn't run natively on an Intel/Leopard mac) and I'm going to switch either to iBank or Moneywell (haven't decided yet). These are both desktop programs. iBank already has an iPhone app that synchronizes with the desktop version, and Moneywell is building one. Importing all of my old data from Quicken into either of these programs will be a piece of cake, as will exporting from these programs should I change my mind later. They also talk with my bank, just as Mint does. With my data synchronized to my iPod touch, I'll have continuous access to it, all without losing control over it. The problem with Mint is that once you start spending time customizing your data, adding tags, etc, you can't leave the Mint interface without losing your work. I'm not going to use any platform that attempts to hold me hostage like that.

Posted by: Sarah |
January 24, 2010 11:33 AM
In the UK we've been developing the new one on lovemoney.com – be good to know what you think of that too. https://www.lovemoney.com/onlinebanking/

Posted by: emma davies |
January 29, 2010 3:31 AM

Comments

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@rww there's a new UK personal finance site in beta called @MoneyDashboard http://www.moneydashboard.com/

Posted by: Steven Renwick |
January 7, 2010 12:22 PM
Also don't forget freeagent http://www.freeagentcentral.com/ – it's great for the self employed in the UK, with built in invoice tracking and self-assessment.

Posted by: Andy B |
January 7, 2010 2:21 PM
I have used mint off and on. I love how the design and user interface, but I wish it would work with the bank that holds my checking account. Perhaps i'll try out some of your other suggestions. Thanks for the info!

JG
loanpointusa

Posted by: Joe |
January 7, 2010 2:35 PM
I've been very happy with Xpenser. I can setup a budget and record expenses with email and sms (it also does twitter and im and a few other things). The main thing for me is ease of use so I stick with it, and this is the only one simple enough to stay with.

Posted by: Paula |
January 7, 2010 3:33 PM
For those looking for a more proactive approach to managing finances and budgeting (versus the reactive reporting approach supported by most tools), check out the Easy Envelope Budget Aid, built natively for Android and the mobile Web. It's based on the envelope budgeting approach of setting aside cash for particular expenses–in advance–and then spending out of those categories on a declining balance basis. Stop before you run out of your balance as opposed to find out after-thefact that you overspent.

EEBA lets you check your envelope balances and record transactions at point of sale allowing you to carry your virtual “envelopes” with you.

We're in open Beta right now, website at www.eebacanhelp.com

Posted by: Chi-Ming @ EEBA |
January 7, 2010 5:27 PM
Where is Mint's mobile site? I've never seen it.

Posted by: Sivan |
January 7, 2010 6:08 PM
There is also Serbian money management web application Slamarica . It's oriented not just for Serbia, but for all Adriatic region. There's more info on Digg http://digg.com/business_finance/Serbian_No_1_money_management_home_finance_web_application

Posted by: Nemanja Djordjevic |
January 9, 2010 1:04 AM
Thanks for this article. I'm looking forward to the rest. I find it interesting that http://moneycenter.yodlee.com doesn't show up more often in personal finance software reviews. It's free as well, and is quite feature rich. Part of the problem is Yodlee doesn't do that much to market the consumer side. (For good reason, they give it away.

Posted by: Philip Eoute |
January 9, 2010 9:54 PM
@Chi-Ming thanks for telling us about EEBA. I'm definitely trying that out!

Posted by: Philip Eoute |
January 9, 2010 9:55 PM
@Philip, you're welcome. We're iterating quickly, so let us know what you think!

Posted by: Chi-Ming @ EEBA |
January 9, 2010 11:01 PM
I just love Mint… simple and easy to use… user friendly.. what can I say! Thumb up!

Posted by: RichDadWisdom |
January 10, 2010 6:46 AM
But with any of the above: (1) can you manually add accounts not on their automated list; (2) multiple currency feature; (3) mobile/iPhone app?

I've tried Mint and Wesabe. Mint is US-only. Wesabe has dreadful import (all tags/categories are lost) and doesn't believe in account reconciliation (”Why would want that feature?” was their reply; perhaps b/c it's the oldest accounting feature in the book and I don't trust a bank's statement.)

I'm with MoneyWell (which uses envelope accounting), and is serving me well enough. But everyone's been waiting well over a year for a promised iPhone app.

I would pay handsomely for any online financial programme that satisfied all 3 feature requests above.

Posted by: Mr Ulster |
January 11, 2010 6:22 AM
In the uk theres http://www.inniaccounts.co.uk, but it's more for contractors

Posted by: Toby |
January 11, 2010 11:47 PM
I started using Mint but quickly realized that its sponsors and partners, the big banks, don't want you to use cash. Most of these “free” sites to manage your money encourage one thing – card use. Whether it's credit cards or debit cards, they make using and tracking them easy, and using and tracking cash difficult. This is because the banks all make money on card transactions, whether they are debit or credit based. They make no money on cash transactions. One of the best ways to save money and control spending is by using cash, and none of these services encourage that, by their design.

Posted by: B |
January 13, 2010 11:54 AM
Interesting article – what is the revenue model for sites like Mint, Kublax, MoneyStrands if the resource is free?

Posted by: Ciaran O'Reilly |
January 14, 2010 7:05 AM
Mvelopes also offers online personal finance management. It isn't free but I like the envelope based budgeting which forces you to cut down on spending. It also offers mobile access so you can track your spending while you're out shopping.

Posted by: Valerie @ Finance Software Store |
January 14, 2010 5:28 PM
I wonder how Cloud computing will influence online financial transactions. I am waiting to see what security issues evolve first.

Posted by: Stop Home Foreclosure |
January 18, 2010 5:53 PM
Does anyone have any recommendations for Australia?

Posted by: Marksin |
January 21, 2010 2:07 PM
How do users of these web-based financial programs feel about having their financial data available to these companies and the problematic privacy issues?

Posted by: Jeff |
January 23, 2010 3:38 PM
Yes, but does Mint allow you to export all your data (including tags/categories) so that you could port it into another program? As far as I can tell, it doesn't. I have several years of data built up using Quicken for Mac. This represents not only a lot of work on my part, but an important resource for understanding my spending patterns (not to mention for calculating capital gains/losses on stock transactions come tax time). I've gotten sick of Quicken's sucky user interface (and the fact that it doesn't run natively on an Intel/Leopard mac) and I'm going to switch either to iBank or Moneywell (haven't decided yet). These are both desktop programs. iBank already has an iPhone app that synchronizes with the desktop version, and Moneywell is building one. Importing all of my old data from Quicken into either of these programs will be a piece of cake, as will exporting from these programs should I change my mind later. They also talk with my bank, just as Mint does. With my data synchronized to my iPod touch, I'll have continuous access to it, all without losing control over it. The problem with Mint is that once you start spending time customizing your data, adding tags, etc, you can't leave the Mint interface without losing your work. I'm not going to use any platform that attempts to hold me hostage like that.

Posted by: Sarah |
January 24, 2010 11:33 AM
In the UK we've been developing the new one on lovemoney.com – be good to know what you think of that too. https://www.lovemoney.com/onlinebanking/

Posted by: emma davies |
January 29, 2010 3:31 AM

MetsBlog.com – News: Fernando Martinez MVP of Carribbean Series

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Tags: online stock trading and investments

Making Money Scam

gordonkeith1974 | February 5, 2010 | 8:21 am

Credit Card Dementia and Boundary Cases

Posted by Jason Kuznicki

The most interesting libertarian-related conversation I’ve read today comes from Rortybomb, by way of Andrew Sullivan, with commentary by Megan McArdle. Here’s a challenge to libertarians from Rortybomb, aka Mike Konczal:

I want to pitch to the credit card and financial industry a new innovative online survey. It is targeted for older, more mature long-time users of our services. We’ll give a $10 credit for anyone who completes it. Here is a sense of what the questions will look like:

- 1) What is your age?
- 2) What day of the week are you taking this survey?
- 3) Many rewards offered are for people with more active lifestyles: vacations, flights, hotels, rental cars. Do you find that your rewards programs aren’t well suited for your lifestyle?
- 4) What is the current season where you live? Are any seasons harder for you in getting to a branch or ATM machine?
- 5) Would rewards that could be given as gifts to others, especially younger people, be helpful for what you’d like to do with your benefits?
- 6) Would replacing your rewards program with a savings account redeemable for education for your grandchildren be something you’d be interested in?
- 7) Write a sentence you’d like us to hear about anything, good or bad!
- 8 ) How worried are you you’ll leave legal and financial problems for your next-of-kin after your passing?

Did you catch it? Questions 1,2,4,7 are taken from the ‘Mini-mental State Examination’ which is a quick test given by medical professionals to see if a patient is suffering from dementia. (It’s a little blunt, but we can always hire some psychologist and marketers for the final version. They’re cheap to hire.) We can use this test to subtly increase limits, and break out the best automated tricks and traps mechanisms, on those whose dementia lights up in our surveys. Anyone who flags all four can get a giant increase in balance and get their due dates moved to holidays where the Post Office is slowest! We’d have to be very subtle about it, because there are many nanny-staters out there who’d want to coddle citizens here. . .

I smell money — it’s like walking down a sidewalk and turning a corner and then there is suddenly money all over the sidewalk. One problem with hitting up sick people, single mothers, college kids who didn’t plan well and the cash-constrained poor with fees and traps is that they’re poor. Hitting up people with a lifetime of savings suffering from dementia is some real, serious money we can tap as a revenue source.

Clearly, only an evil person (or a libertarian!) would allow a scam like this one. Megan responds, I think rightly:

I’m not sure why this is supposed to be a hard question for libertarians. I mean, I might argue that preventing people from ripping off the marginally mentally impaired would, in practice, be too difficult. Crafting a rule that prevented companies from identifying people who are marginally impaired might well be impossible — I’m pretty sure that if I wanted to, I could devise subtler tests than “What day of the week is it?” And while the seniors lobby is probably in favor of not ripping off seniors, they’re resolutely against making it harder for seniors to do things like drive or get credit, which is the result that any sufficiently strong rule would probably have.

But it’s pretty much standard libertarian theory that you shouldn’t take advantage of people who do not have the cognitive ability to make contracts. Marginal cases are hard not because we think it’s okay, but because there is disagreement over what constitutes impairment, and the more forcefully you act to protect marginal cases, the more you start treating perfectly able-minded adults like children.

The elderly are a challenge precisely because there’s no obvious point at which you can say: now this previously able adult should be treated like a child. Either you let some people get ripped off, or you infringe the liberty, and the dignity, of people who are still capable of making their own decisions.

I’d add two responses of my own.

First, I can’t believe there’s all that much money to be had here. Anyone who wanders into Tiffany’s and back out again without remembering what they bought is, generally speaking, a bad credit risk. Mildly irresponsible people — those who slightly overspend, then have to make it up later — those are probably great for creditors. Lesson learned: If you’re not demented, don’t be irresponsible. (If you are demented, you’re not going to follow my advice anyway.)

Second, I am always amazed at how border cases are dragged out, again and again, as if they proved something against libertarianism. Border cases — How old before you can vote? How demented before a contract doesn’t bind? — are a problem in all political systems, because all systems start with a presumed community of citizens and/or subjects. We always have to draw boundaries between the in-group and the outliers before we have a polity in the first place.

What makes the classical liberal/libertarian approach so valuable is in fact that it draws so few boundaries. Where other systems depend on class boundaries, race boundaries, religious boundaries, and so forth — with annoying boundary issues at every stop along the way — libertarians make it as simple as I think it can be. We presume that all mentally competent adults are worthy of liberty until they prove themselves otherwise.

The boundary cases are still there, but they are fewer and more tractable. Konczal just wandered into one of them. It proves much less than he thinks.

During my “free time” – I know, ha-ha right? – one of my passions is researching and either verifying or debunking strange and wild claims. In fact, together with a good friend from the UK, we started a website devoted to investigating such bogus science claims. While that research started primarily focused on Ufology, lately we’ve started branching out into fringe science and physics.

One of the most amazing things that you’ll discover when you start poking around into the field of fringe science is that it’s a field filled with about 90% scam artists (most researchers label them as snake-oil salesmen), and 10% legitimate science. Many of you have probably seen some of the outlandish bogus science claims related to free, renewable energy technologies, anti-gravity devices and the like – but there is also some remarkable research taking place in legitimate labs across the country. One example would be brain-wave interfacing with computer systems, a cutting-edge technology which even the U.S. Army is currently exploring.

Now, the fact that there could be legitimate science mixed in with all of the bogus science claims leads countless risk capital investors to throw their money away by investing in many of the snake-oil salesmen schemes. Due diligence only goes so far – some of these con-artists are brilliant at making quantum physics theory sound practical. So, where should people go to try and verify whether any of these fringe science claims are legitimate?

I’m going to resist the urge to plug my own website, because there are so many sites out there that have been at this work for far longer – so here are the top 5 websites where you can research wild and bogus science claims.

Exploring Fringe Science – To Debunk Or Not To Debunk?

Exploring the world of the strange and unusual can be difficult for a lot of people. While you want to open your mind enough to the possibilities – as a friend of mine once told me, you also don’t want to open up your mind so much that it becomes a wind tunnel. To truly explore the edge of science, you need to maintain a conservative, guarded yet open-minded approach. The following websites will help you with that, so that you can explore these amazing new areas of science without slipping off the cliff and falling down a bottomless rabbit hole.

The first website is also one of my favorites – The Committee for Skeptical Inquiry.

The “Committee” is more popularly known as “CSI-COP” since 2006, they changed their Acronym to simply “CSI,” and they publish the magazine called the Skeptical Inquirer. The organization is run by founder and Chairman Paul Kurtz, Chairman Richard Schroeder, President Ronald A. Lindsay, Executive Director Barry Karr and Research Fellows Joe Nickell, Massimo Polidoro and Richard Wiseman.

As a team, and with the support of Fellows and writers from across the world, this organization and website stands as a beacon of truth for all serious investigators in the areas of the paranormal and fringe science.

The next excellent resource for hard-hitting reviews of the latest fringe research is Popular Mechanics.

Popular Mechanics is the first place that I often go during my lunch break if I’m in the mood to discover the latest news in science. Covering areas like space, the environment, robotics, health and more – this is the place where it’s all happening. The writers at Popular Mechanics are highly credentialed and very intelligent. They aren’t taken in by junk science – but they do report on the latest and coolest scientific discoveries and research of the day.

The next fringe Science site that I’d like to call your attention to is Robert Carroll’s The Skeptic’s Dictionary. While I realize the word “skeptic” has poor connotations among many people who are interested in paranormal and fringe science, it is actually those who get labeled as “skeptics” that make the most scientific progress, because they focus on legitimate science, verified facts and they are not distracted by all of the nonsense.

Robert Carroll retired from teaching philosophy in 1977. His credentials stand on their own – having taught courses in things like Logic & Critical Reasoning, Critical Thinking About the Paranormal and World Religions. He also published Becoming a Critical Thinker in 2000 and The Skeptic’s Dictionary in 2003.

Robert is obviously the perfect guy to run one of the best investigative sites on the net that focus on weird and wacky claims, covering topics like ETs and UFOs, Junk Science, New Age and Paranormal. I encourage you to visit Skepdic.com and support Robert Carroll in his efforts to promote logic and reason.

It goes without saying that one of the greatest and best-known Skeptics (with a capital “S”) of all time is the amazing James Randi.

I had the pleasure of interviewing James Randi back in 2007 while I was investigating some particular scientific claims related to parapsychology. Randi has a great deal to say on the topic of parapsychology – in fact he played a major role in the history of the movement – at one point injecting his own team of two amateur magicians into the “scientific” research of parapsychologists. Through his efforts, he exposed how easily parapsychologists can be fooled by simple magic tricks.

Today, James Randi is considered the “hit man” of Science – mostly because he takes a no-holds-barred approach to attacking especially ludicrous paranormal claims and driving them directly into the ground. His website is one of the most entertaining places to learn the true nature of many of the claims produced by junk scientists.

Finally, if you simply want to discuss particular fringe claims with other open-minded skeptics like yourself – I highly recommend that you head over to Physics Forums.

While the majority of the site is dedicated to mainstream science and physics discussions – even entire areas devoted to science education, mathematics and engineering, you’ll discover the Scepticism & Debunking section under the PF Lounge area. This section is one of the most active and entertaining forums on this site – where you can discuss and analyze some of the latest unexplained phenomena claims. Just be ready for some lively conversation!

Do you have your own favorite places to go when you want to research weird science claims? Share your own resources in the comments section below.

http://www.webjam.com/gabrielle71 http://www.prlog.org/10248797-reitbuyercom-offers-opportunity-to-onlinereal-estate-stock-traders-in-albuquerque-new-mexico.html http://www.prlog.org/tag/online-stock-trading/ http://www.prlog.org/10219817-online-traders-discover-reits-and-real-estate-mutual-funds-to-be-good-investment.html http://www.prlog.org/10248797-reitbuyercom-offers-opportunity-to-onlinereal-estate-stock-traders-in-albuquerque-new-mexico.html http://www.webjam.com/gabrielle71

Credit Card Dementia and Boundary Cases

Posted by Jason Kuznicki

I want to pitch to the credit card and financial industry a new innovative online survey. It is targeted for older, more mature long-time users of our services. We’ll give a $10 credit for anyone who completes it. Here is a sense of what the questions will look like:

- 1) What is your age?
- 2) What day of the week are you taking this survey?
- 3) Many rewards offered are for people with more active lifestyles: vacations, flights, hotels, rental cars. Do you find that your rewards programs aren’t well suited for your lifestyle?
- 4) What is the current season where you live? Are any seasons harder for you in getting to a branch or ATM machine?
- 5) Would rewards that could be given as gifts to others, especially younger people, be helpful for what you’d like to do with your benefits?
- 6) Would replacing your rewards program with a savings account redeemable for education for your grandchildren be something you’d be interested in?
- 7) Write a sentence you’d like us to hear about anything, good or bad!
- 8 ) How worried are you you’ll leave legal and financial problems for your next-of-kin after your passing?

Did you catch it? Questions 1,2,4,7 are taken from the ‘Mini-mental State Examination’ which is a quick test given by medical professionals to see if a patient is suffering from dementia. (It’s a little blunt, but we can always hire some psychologist and marketers for the final version. They’re cheap to hire.) We can use this test to subtly increase limits, and break out the best automated tricks and traps mechanisms, on those whose dementia lights up in our surveys. Anyone who flags all four can get a giant increase in balance and get their due dates moved to holidays where the Post Office is slowest! We’d have to be very subtle about it, because there are many nanny-staters out there who’d want to coddle citizens here. . .

I smell money — it’s like walking down a sidewalk and turning a corner and then there is suddenly money all over the sidewalk. One problem with hitting up sick people, single mothers, college kids who didn’t plan well and the cash-constrained poor with fees and traps is that they’re poor. Hitting up people with a lifetime of savings suffering from dementia is some real, serious money we can tap as a revenue source.

Clearly, only an evil person (or a libertarian!) would allow a scam like this one. Megan responds, I think rightly:

I’m not sure why this is supposed to be a hard question for libertarians. I mean, I might argue that preventing people from ripping off the marginally mentally impaired would, in practice, be too difficult. Crafting a rule that prevented companies from identifying people who are marginally impaired might well be impossible — I’m pretty sure that if I wanted to, I could devise subtler tests than “What day of the week is it?” And while the seniors lobby is probably in favor of not ripping off seniors, they’re resolutely against making it harder for seniors to do things like drive or get credit, which is the result that any sufficiently strong rule would probably have.

But it’s pretty much standard libertarian theory that you shouldn’t take advantage of people who do not have the cognitive ability to make contracts. Marginal cases are hard not because we think it’s okay, but because there is disagreement over what constitutes impairment, and the more forcefully you act to protect marginal cases, the more you start treating perfectly able-minded adults like children.

The elderly are a challenge precisely because there’s no obvious point at which you can say: now this previously able adult should be treated like a child. Either you let some people get ripped off, or you infringe the liberty, and the dignity, of people who are still capable of making their own decisions.

I’d add two responses of my own.

The boundary cases are still there, but they are fewer and more tractable. Konczal just wandered into one of them. It proves much less than he thinks.

Exploring Fringe Science – To Debunk Or Not To Debunk?

The first website is also one of my favorites – The Committee for Skeptical Inquiry.

The next excellent resource for hard-hitting reviews of the latest fringe research is Popular Mechanics.

It goes without saying that one of the greatest and best-known Skeptics (with a capital “S”) of all time is the amazing James Randi.

Finally, if you simply want to discuss particular fringe claims with other open-minded skeptics like yourself – I highly recommend that you head over to Physics Forums.

Do you have your own favorite places to go when you want to research weird science claims? Share your own resources in the comments section below.

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Tags: making money

Making Money Internet

gordonkeith1974 | February 4, 2010 | 8:55 pm

Mobile location-based social network and gaming service Foursquare has been generated a bit of buzz lately, especially amongst the early adopter crowd. In just under a year, it has amassed a user base of 300,000, and with deals like the one it recently signed with television network Bravo, some believe Foursquare may be ready to hit the mainstream.

That's good news for the company and its investors, but as Foursquare starts exploring the commercial opportunities that come with popularity, it may find that maintaining the 'cool' factor and maximizing commercial opportunities at the same time is a difficult thing to do.

As AdAge details, various businesses are starting to experiment with Foursquare. The appeal is obvious: Foursquare knows where you are. That means that Foursquare offers a lot of potential to businesses with physical locations. One such business is frozen dessert chain Tasti D-Lite. It's using Foursquare to deliver promotions to Foursquare users who check in to a location near one of the chain's 50 stores. And it's also testing out a loyalty program that rewards users for checking in and making purchases.

According to Tasti D-Lite, “preliminary data is showing that this is driving foot traffic in stores“. That's good news for Tasti D-Lite, and for Foursquare. But before anyone jumps to the conclusion that Foursquare may be on the verge of cracking the location-based mobile advertising nut, it may not be quite so easy.

On Sunday, TechCrunch's MG Siegler discussed how Foursquare's 'Douchebag' badge was creating controversy amongst some users. The complaint: it's offensive. The badge is awarded (if that's the right word) to users who check in to locations that other users have tagged. These tend to be 'trendy' locations, such as Barney's.

Putting aside the political correctness of a 'Douchebag' badge, it's obvious that this badge creates a potential conflict between the interests of the businesses Foursquare needs to court and the interests of its users. As one commenter, Jim Kerr, put it:

They are an innately local business, which will live and breathe with the success of dealing with local brands and establishments, and yet they…overtly tag local businesses (their lifeblood) with badges like “douchebag.”

Foursquare, which, according to AdAge, is earning little to no revenue from its initial deals with businesses, apparently has no plans to ditch the badge. Dennis Crowley, the company's co-founder, posted a response:

The douchebage badge isn’t going anywhere. It’s supposed to be a joke, I feel like 97% of users are in on it, and the only way to unlock the badge is to check-into places that *other users have tagged* douchebag. Sure, it’s a little out of control in some places (I unlocked it on the N/R train over the Manhattan bridge!) but that’s part of the fun of it.

While it would be premature to claim that a somewhat offensive badge is going to destroy Foursquare's business potential, there is a question as to whether things like this will fly once Foursquare decides to start asking businesses for money.

When it comes down to writing a check, a business might be inclined to look at the situation and demand some protection in return. A guarantee that users who check in to their locations aren't labelled 'douchebags' would probably be a good start. Will Foursquare give in, potentially diminishing its 'cool' factor with the early adopters propelling its current growth, or will it decide to give potential paying customers a reason to second guess deals? Only time will tell.

Foursquare's dilemma is not unique of course. Many successful consumer internet businesses find that certain elements of their original offerings that contributed to early appeal eventually come to threaten their potential as businesses. Without users, of course, that potential ceases to exist. But users and no revenue isn't exactly viable either. In short, sometimes you can't stay cool and become filthy rich at the same time.

Photo credit: cambodia4kidsorg via Flickr.

Is Money Fungible?

Posted by Justin Logan

Recently I spent some time redecorating my office to create room such that there was space for me to work that was physically apart from my computer, because I’ve come to view the internet as a huge time sink.

Apparently this endeavor of mine has failed miserably, however, because here I am blogging about something I saw on Bloggingheads TV:

In the clip above, Heather Hurlburt and Daniel Drezner discuss arguments that involve posing tradeoffs between domestic spending and foreign policy spending. Drezner sketches out an argument he ties to Obama’s Afghanistan speech: we’re in a big hole at home and we just can’t afford running around throwing hundreds of billions of dollars into places like Afghanistan and Iraq, so part of what we’re trying to do is cash out of those endeavors and keep the money we could spend there at home instead. Hurlburt describes this as part of the argument Cato’s foreign policy team–Chris Preble in particular–has been making, but that says that this approach is “not going to happen because it would seem like a public admission that there are constraints on what we can do, even though we would agree that there are massive constraints on what we can do.”

Hurlburt goes on to say that “our economy can’t recover unless the global economy recovers” and that “a big part of how quickly and in what directions our economy recovers” has to do with the U.S.-China relationship and the development of green jobs. Therefore, the “classic isolationist trope” of what Drezner described–doing less abroad so we can do more at home–doesn’t work.

I’m completely lost here. (If the kind people at BH.tv would invite me on, I could explain in vivid and expressive detail!)

First, let me register at least my dissent from the view that we can’t maintain an expansionist foreign policy. I have been a convert for some time to the view of Stephen Brooks and William Wohlforth that there is nothing in the foreseeable future that will force the abandonment of a primacy grand strategy. In fact, I would make this point forcefully, not just that we could maintain an expansionist foreign policy, but that we probably could do so even assuming a costly invasion of Iraq every so often and still manage to skirt any powerful constraint. Despite the declinism that has come into fashion of late, my view is that we’re still in uncharted waters, still in an international system that is obviously unipolar, and consequently still capable of adopting all sorts of wild and crazy foreign policies.

But the bigger point that’s confusing me is Hurlburt’s argument that something about the economic ties between China and the United States or the alleged need to shift to green jobs necessitates an interventionist foreign policy. Unless I’m misconstruing her remarks, which is possible, I’m not understanding this argument at all. We spend lots of money–hundreds of billions per year–on things we call “defense” or “homeland security” that have little to do with defending the United States. I think what we at Cato have argued is that we should stop spending so much money on these things, and that instead we should dramatically scale back our commitments, cut military spending dramatically, and willfully give up our aggressive grand strategy. Money is fungible and this isn’t the best use for this money.

To draw what is maybe a poor analogy, Robin Hanson has argued not just that overall spending on health is a poor predictor of aggregate health, but that in fact you could probably cut overall spending on health in half without a significant negative effect on aggregate health. I’m making a similar argument about defense, with the implicit claim that the excess funds we spend on defense could be better spent elsewhere.

It seems like Hurlburt is disagreeing with this view, but I’m not sure. I’m emailing her to see whether she cares to expand on this, so perhaps there’ll be more to come. Until then, it’s time for me to push back from the internet again.

They are an innately local business, which will live and breathe with the success of dealing with local brands and establishments, and yet they…overtly tag local businesses (their lifeblood) with badges like “douchebag.”

The douchebage badge isn’t going anywhere. It’s supposed to be a joke, I feel like 97% of users are in on it, and the only way to unlock the badge is to check-into places that *other users have tagged* douchebag. Sure, it’s a little out of control in some places (I unlocked it on the N/R train over the Manhattan bridge!) but that’s part of the fun of it.

Photo credit: cambodia4kidsorg via Flickr.

Is Money Fungible?

Posted by Justin Logan

Apparently this endeavor of mine has failed miserably, however, because here I am blogging about something I saw on Bloggingheads TV:

I’m completely lost here. (If the kind people at BH.tv would invite me on, I could explain in vivid and expressive detail!)

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Read our Vacation Isle: Beach Party for Wii News for Wii.

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Tags: making money

why internet marketing

gordonkeith1974 | February 3, 2010 | 7:58 am

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web site promotion internet marketing

gordonkeith1974 | January 28, 2010 | 7:58 am

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Business Making Money

gordonkeith1974 | January 27, 2010 | 9:55 am

In August last year I was bombarded with calls from McGregor Moore saying that I could get £2,500 back on a loan that I had taken out with Royal Bank of Scotland which, it said, was not legal.

With money being tight, I agreed to pay an upfront fee of £395 using my Tesco Bank credit card but, since then, have heard nothing. To make matters worse, it took a further £254 from my account in October without my permission.

I take full responsibility for what I have done which I now realise was very stupid, but I am a pensioner on just over £100 per week and need to know if I can get my money back. CC, Aberdeenshire

Capital Letters covered the business activities of McGregor Moore on 3 October, and I expressed serious concerns at the claims that it was making. It tells people that of the 50m credit agreements created in the UK every year “more than half could be unenforceable” – which more than likely is complete and utter rubbish. The company website is still running but it seems the company, McGregor Moore and Co Limited, is not.

Accounts that were due at Companies House on 8 October have not been filed and the address in Glasgow it hides behind, had effectively been hijacked without paying a penny. Sacks of mail, presumably from customers in the same position, have been arriving but are not reaching the owners of the business.

The matter has been reported to the police but little seems to be happening so far. The prospects of a refund are, therefore, looking grim but your saviour is the fact you paid with your credit card.

I raised this with Tesco Bank and pointed out the difficulties that you were having and eventually, after a worrying wait, Tesco has refunded the full £649. Provisions of Section 75 of the Consumer Credit Act mean that Tesco is jointly liable for any breach of contract by McGregor Moore, and Tesco says it is “pleased the matter has been resolved and apologise for any inconvenience caused”.

Steve Playle is team leader at Surrey Trading Standards Service.

I hardly use cash anymore. Almost every financial transaction I make as I go about my business is accomplished electronically or with plastic. Since putting to rest my cash-only experiment a year ago, I’ve only used cash in a couple of circumstances: food delivery when I’m too exhausted to cook, getting my clothing laundered or dry cleaned every few weeks, and supporting whatever issue for which my co-workers solicit (from Girl Scout cookies to bereavement gifts).

Hard money, coins and bills, are becoming obsolete. It will be a long time before cash ceases to exist in commerce, but physical money is less relevant for everyday commerce. Yet, the U.S. Mint continues to churn out billions of new coins each year. I’ve enjoyed collecting coins, hunting through change to find something rare or to fill holes in a book, but lately I’ve had much less of an opportunity to do so. I rarely have change in my pocket.

As I’ve mentioned before, the Mint (and Congress who has authorized this behavior) has gone overboard in their attempts to design coinage that has more value to collectors than it has to the general public. That will backfire; the mass quantities “collectible items” available make collecting them not a very special activity. Coin collecting will never again be the “hobby of kings.”

Rather than making an artistic design for a coin and letting it remain for a generation or two, the Mint presents programs like the State Quarters series. I thought this era was over; I didn’t realize until recently that the Mint intends to continue by releasing 56 more redesigns for the quarter, lasting until 2021.

The American the Beautiful Quarters series announced last year commemorates the establishment of national parks, forests and wildlife refuges. This is a worthy cause but I prefer Ken Burns’ documentary for drawing the public’s attention.

This is really about business. The Mint sells the coins to collectors at a significant mark-up from the face value of the coins, a mark-up that will most likely not be recovered by the collector.

There is some good news. The design for the reverse of the cent seems to indicate the Mint would like to return to a classical approach. I would prefer to see all “leader” portraits and buildings removed from coins to make way for more abstract or symbolic designs. The new union shield and ribbon is a step in the right direction.

VN:F

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In August last year I was bombarded with calls from McGregor Moore saying that I could get £2,500 back on a loan that I had taken out with Royal Bank of Scotland which, it said, was not legal.

I take full responsibility for what I have done which I now realise was very stupid, but I am a pensioner on just over £100 per week and need to know if I can get my money back. CC, Aberdeenshire

The matter has been reported to the police but little seems to be happening so far. The prospects of a refund are, therefore, looking grim but your saviour is the fact you paid with your credit card.

Steve Playle is team leader at Surrey Trading Standards Service.

This is really about business. The Mint sells the coins to collectors at a significant mark-up from the face value of the coins, a mark-up that will most likely not be recovered by the collector.

VN:F

Published in Uncategorized | No comments
Tags: making money

Buying stocks on the internet

gordonkeith1974 | January 6, 2010 | 6:08 pm

Date: 7 Dec 2009 Comments: 0

One of the most rewarding forms of investments, buying stocks has become a popular choice given that you know how to be successful in it. Regardless of the harsh economic climate, people are still daring to succeed due to the fact that a lot of people have already become successful and they have earned tremendous profit through buying stocks. But if you venture down this path, you might want more information on what is the best stock to buy. Getting more information on penny stocks to buy or best online stock trading is the best way to make sure your stock investments are a success.

However, buying stocks without the adequate knowledge of how the system works and not knowing how to buy one is a complicated thing to do. Knowing the secrets on how to buy stocks will definitely help you a lot in becoming successful. Buying stocks online is the cheapest way available and it is a preferred approach that should be mastered by both beginners and professionals. But sometimes buying stocks online is harder because you do not have a person there to answer your questions in real time.

When it comes to stock investments, you can save ample time through buying stocks online. There are already a lot of online brokers available with different levels of credibility and it is up to you to gauge who you should trust. Read reviews and ask the opinion of people who have been buying stocks online for a while to determine what service is best.

After picking out which online broker to trust, the next step you need to do to be able to buy stocks online is to open an account and deposit some money.With the help of your brokers, you can then start to buy stocks at the time of your choice and you can also decide to sell out stocks depending on the limits you will be setting. I consider the fact that you do not have to rely on an individual to do what you ask and you can program a computer to buy and sell to your exact specifications a huge advantage to online buying.

To further enhance your stock searching capabilities, Most online brokers make use of back up researches and innovative tools available over the internet that you can make use of. Using these tools and the support from your online brokers will help you buy the stocks that are profitable and it will also help you determine which stocks to avoid buying.

Most brokerage firms maintain a cheap transaction fee that commonly starts from nine to fifteen dollars that will be deducted per transaction on your account. Compared to the fees from both discount and full-service brokers, online brokers are the ones who offer the cheapest and you should take advantage of this to earn more profit online.

In order for you to guard yourself further against losing earnings from your investments, you should specify a stop a loss order to your online broker. Protecting you from losing your earnings, a stop loss order will allow your online broker to sell your stock when it goes below a certain value that you will personally set.

Being a novice to the field of online stock investments requires you to be educated with the necessary tools that you will need for success. Never hesitate to communicate with your broker to get help since it will be a lot risky for you once you start to hold back. Buying stocks online still provides the same risks and successes so you really need to arm yourself with the right strategies and knowledge.

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