Saturday, January 29, 2011

Making Money Online Easy









According to the affidavit, the investigation included the co-operation of authorities in Canada, France and Germany.



As for code, the LOIC DDoS software believed to be used by Operation Anonymous remain available on the social code site Github and on SourceForge. Thousands of people have downloaded it from those sites. The software allegedly makes it easy for a user to donate their computer's bandwidth to repeatedly messaging a target server until it is rendered inaccessible by other users.



The ephemeral group Anonymous, or Operation Payback, co-ordinated a series of such attacks earlier this month against Paypal, Mastercard, Visa and others. These global leaders in money transfer were criticized for preventing their customers from donating money to the controversial website Wikileaks, despite the site having been convicted of no crimes.



Clearly a sufficient number of people in the FBI believe the denial of service attacks may constitute felony-level damage to computer systems, but others have argued that the campaign falls broadly within the tradition of non-violent civil disobedience and political protest.



FBI Agent Allyn Lynd, whom The Smoking Gun reports signed the affidavit, has been in the technology news media before. He lead a 2009 raid on at least two Texas web hosts over an alleged federal crime concerning unpaid bills to AT&T and Verizon. Those raids disrupted a number of co-located but unrelated businesses, including some that allege the disruption cost them millions of dollars.



In this latest affidavit, Lynd argued again that he may need to disrupt some other servers temporarily in order to achieve his goal of determining which servers were relevant to his investigation. Due to the document's incomplete publication, whether any sense of irony was appreciated is unclear.



No information has been made available to date regarding any FBI or other law enforcement investigation of the denial of service and other technical attacks made against the Wikileaks website.
















Yesterday's announcement that Google's Eric Schmidt will be handing the CEO reins back to co-founder Larry Page came as a shock, but with the company's aura of invincibility fading, and its core business showing signs of age, the time was right for a change. There was "an example every hour," of how triumvirate decision-making by Schmidt, Page, and co-founder Segrey Brin was hurting the company, Schmidt said. If Google wants to assure investors and consumers that rumors of its looming insignificance have been greatly exaggerated, there are a few key things that Larry has to do.



No. 1: Fix Search

Google's cash cow is its online-search advertising business, but the search results are starting to look awfully spammy. Between content farms that flood the Internet with meaningless search bait and black hat optimizers that use sleazy tricks to get top results, there are entire industries devoted to gaming Google's algorithms.



People who depend on Google for their livelihood have started to notice, and consumers are showing signs of getting antsy: There is a reason Microsoft's Bing quickly picked up 12 percent of the search market, and it's not because of its Gossip Girl product placements, or even vastly superior search results. Google has also drawn some ill will with an aggressive, some say illegal, tendency to push its own services to the top of the page.



It looks like Larry gets the seriousness of the problem. Friday, on day one of his regime, Google acknowledged the issue in a blog post, even as it downplayed its severity. "Reading through some of these recent articles, you might ask whether our search quality has gotten worse," said principal engineer Matt Cutts. "The fact is that we’re not perfect, and combined with users’ skyrocketing expectations of Google, these imperfections get magnified in perception. However, we can and should do better."



It will take more than a wonky breakdown, but it's a start.



No. 2: Find Growth

The aforementioned cash cow is still so lucrative that it's easy to forget that Google has never really succeeded in any other business. Despite the ubiquity of Gmail and YouTube, they are not yet successful stand-alone businesses. YouTube only recently made it into the black after incurring hundreds of million of dollars in losses over the years.



It's not like Google isn't aware of the problem. Witness the frenzied diversification into anything that looks hot: cars that drives themselves, social networks, and yesterday's long-expected news of a Groupon clone. But trying everything hasn't produced much of anything.



Larry needs to ditch the side projects and focus on the most promising ones: the Android mobile-phone operating system, and the mobile ad network AdMob, which even makes money from iPhones as it serves up 2 billion ads a day.



No. 3: Stop the Brain Drain

Here's an enigma for Larry to unravel: Why does a company with five-star chefs, high-tech nap pods, and free massages have to throw millions of dollars in cash money at employees to get them to stay?



Part of the problem is Google's convoluted management structure, which Page is clearly trying to fix. If a team has been working on an amazing project for a year, only to hear that it overlaps with someone else's pet project, who wouldn't want to jump ship? But it also has to do with Google's size and a potentially fatal inability to face up to an unpleasant reality. From what we hear, there's reluctance from some of the old guard to accept that Google is a massive corporation now.



There is a major intangible at play as well, something that may not be easy for someone who is more Chief Engineer than Chief Executive to grapple with. If the ambitious go-getters that make it through Google's onerous interview process sense that the cool, sexy projects are happening at Facebook, Apple, or some stealth VC project with no name, then no amount of money is going to keep them on side, no matter how big a money truck Google backs up to their cubicle.



Which leads to....



No. 4: Consider a Personality Transplant



Tech bloggers were smitten with Eric Schmidt, but for all the wrong reasons. Sure, he grew Google into a $200 billion behemoth, but he also had a weakness for creepy Big Brother jokes delivered so dryly that no one could be sure he was joking. Contrast that with the controlling and charismatic Steve Jobs, surely one of the best salesmen in modern history, with a reality distortion field that may have made enemies but also bestowed an ineffable cool on his entire company.



Larry, by all accounts, makes Eric Schmidt look like Steve Jobs.



Ken Auletta explains:



He is a very private man, who often in meetings looks down at his hand-held Android device, who is not a comfortable public speaker, who hates to have a regimented schedule, who thinks it is an inefficient use of his time to invest too much of it in meetings with journalists or analysts or governments. As C.E.O., the private man will have to become more public.



Google's engineer-driven approach to new products has been a long-standing problem. (Google Wave, anybody?) Unlike Apple, it seems to build for engineers and developers, not consumers. That's great when you're making an open source mobile platform like Android, which is hot on the iPhone's tail due to its openness and potential ubiquity across multiple carriers and devices. It's not so great when you made everyone on Gmail opt into Google Buzz ’ or for creating fanboys and girls who want to use your products, even if they have to anyway.



Either way, Larry, you're going to need some charm to lend Google the same cool factor it had last time you were in charge. Maybe start by looking up from your Android phone every once in a while.






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Monday, January 24, 2011

Making Money Your


Not making money as a YouTube partner? Here are some tips from YouTube itself


YouTube hosted a live event today to help partners get the most out of their YouTube revenue.


Phil Farhi of YouTube, began the event by telling partners about a few of the new initiatives that YouTube is working on, to help make partners as successful as possible. He started by bringing us through the history of advertising on YouTube.


Phil mentioned that just 3 short years ago, YouTube began using in-video and overlay ads, the first step in monetizing videos. And following the first format of ads, YouTube brought Ad Sense ads, enabling smaller advertisers/customers to get on board, allowing YouTube to capture a broader range of advertisers.


Next came in-Stream Ads (mid and pre-roll ads), a format that was launched about two years ago. YouTube said this has been popular because advertisers will pay more for ads that are similar to the format on TV. At almost the same time, promoted ads were introduced and it was proven to drive traffic to videos that were featured using the ‘promoted video’ format.


A few months ago, a new ad format for partners called TrueView was rolled-out. This format lets users watching a video skip the ad after five seconds. An ad format that YouTube says is less interruptive and doesn’t risk annoying your audience because it gives them the chance to hit stop.


Phil asked the question “ What makes a movie a successful?” Using the movie industry as an analogy, he went on to explain that there are many factors that come into play that make up the overall picture; ticket prices, seats filled, distribution etc. It’s the same with YouTube as he pointed out. Partners shouldn’t look at one aspect such as RPM (revenue per thousand page views) or CPM (cost per thousand, as an example $1 or $5 per thousand views), they should look at everything including geography.


A few points to take away


Good partners focus on overall revenue and aren’t fixated on “ticket price”. They also work hard at building a strong audience as well as trying to increase views. Good partners look at geography, RPM and CPM.


Bad partners look at the wrong metrics and don’t build up their audience. Partners who only focus on RPM might think everything is fine however, it’s critical that users concentrate on CPM as well and continue to build audience loyalty.


YouTube says advertisers are creating content that competes with user content, and millions of users are watching advertisements on the site. Think about the popularity of Superbowl ads.


Keep experimenting! Compare ad formats by type and geography and play around with different scenarios. Try enabling ads after your loyal audience has seen them or try it in reverse. Play with different recipes and see what happens when ad formats are enabled/disabled. There is a wide variety of ways to make revenue.


Take a good look at revenue break downs and compare formats; True View, in-Stream, etc.


Better reporting for ad formats coming soon. YouTube admits that partners don’t have the best reporting feature right now.


YouTube will be adding an option for partners to opt-in to just TrueView Ads without needing to be signed up with other formats.


Ensure the metadata on videos have the correct information and enough words to help YouTube’s algorithm bring the best targeted ads to your videos







Bank of America is making an 11th-hour push for inclusion in the upcoming Worst Company In America tournament. Starting in February, folks with BofA mortgages who don't have BofA bank accounts will see their current 15-day grace period for making payments cut by 40%.



From MSNBC's Red Tape blog:

Consumers who use the bank's online payment tool, Mortgage Pay, will risk a $6 fee if they fund payments using another bank's checking account and the payment falls during the final six days of the traditional 15-day grace period. Consumers who make payments from Bank of America accounts are not subject to the fee.



So... it's not really a grace period anymore for those people, is it?



Gail Hillebrand from Consumers Union (the proud parent of Consumerist) had this to say:

Let me get this straight. They tell you that you have a grace period, (then) they say, 'Oops, you only have half of it if you don't bank with us,'... That doesn't seem fair. ... This looks like a new 'gotcha,' and we have enough of those already.



Many of the people with BofA mortgages don't have an existing checking account with the bank because they didn't get their mortgage from BofA to begin with.



"You don't want to have to go around changing your checking account every time someone buys your mortgage," said Hillebrand, who says the way to avoid this problem is to make your payment before the grace period even kicks in. "This is just one more way to extract money out of you that you don't expect to have to pay."



B of A redefines 'grace period' with new fee [MSNBC]







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American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

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For the past few months, HBO has been talking to Aaron Sorkin about his long-gestating drama set behind the scenes at a nightly cable news show. However, with him busy on the awards circuit with his latest film, The Social Network, ...


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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

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American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

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American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Aaron Sorkin&#39;s Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>

For the past few months, HBO has been talking to Aaron Sorkin about his long-gestating drama set behind the scenes at a nightly cable news show. However, with him busy on the awards circuit with his latest film, The Social Network, ...


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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Aaron Sorkin&#39;s Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>

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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Aaron Sorkin&#39;s Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>

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bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Aaron Sorkin&#39;s Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>

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Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Aaron Sorkin&#39;s Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>

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bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Aaron Sorkin&#39;s Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>

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bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Aaron Sorkin&#39;s Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>

For the past few months, HBO has been talking to Aaron Sorkin about his long-gestating drama set behind the scenes at a nightly cable news show. However, with him busy on the awards circuit with his latest film, The Social Network, ...


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Aaron Sorkin&#39;s Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>

For the past few months, HBO has been talking to Aaron Sorkin about his long-gestating drama set behind the scenes at a nightly cable news show. However, with him busy on the awards circuit with his latest film, The Social Network, ...


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Aaron Sorkin&#39;s Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>

For the past few months, HBO has been talking to Aaron Sorkin about his long-gestating drama set behind the scenes at a nightly cable news show. However, with him busy on the awards circuit with his latest film, The Social Network, ...


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Aaron Sorkin&#39;s Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>

For the past few months, HBO has been talking to Aaron Sorkin about his long-gestating drama set behind the scenes at a nightly cable news show. However, with him busy on the awards circuit with his latest film, The Social Network, ...


bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Aaron Sorkin&#39;s Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>

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bench craft company reviews bench craft company reviews

Transfer <b>news</b>: Blackpool skipper Charlie Adam ready to go to war <b>...</b>

Charlie Adam is poised to tell the Seasiders that he wants out, worried the Anfield move may pass him by.

Jack LaLanne dead at 96 – This Just In - CNN.com Blogs

American fitness guru Jack LaLanne died Sunday afternoon at his home in Morro Bay, California, according to his long-time agent, Rick Hersh. He was 96. The cause, said Hersh, was respiratory failure due to pneumonia.

Aaron Sorkin&#39;s Cable <b>News</b> Network Project Awaits Greenlight At HBO <b>...</b>

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Tuesday, January 18, 2011

Money Making Secrets




The film’s official plot synopsis follows:


Hanna (to be played by Ms. Ronan) is a teenage girl. Uniquely, she has the strength, the stamina, and the smarts of a solider; these come from being raised by her father (Mr. Bana), an ex-CIA man, in the wilds of Sweden. Living a life unlike any other teenager, her upbringing and training have been one and the same, all geared to making her the perfect assassin. The turning point in her adolescence is a sharp one; sent into the world by her father on a mission, Hanna journeys stealthily across Europe while eluding agents dispatched after her by a ruthless intelligence operative with secrets of her own (Ms. Blanchett). As she nears her ultimate target, Hanna faces startling revelations about her existence and unexpected questions about her humanity.


Seth Lochhead wrote the initial screenplay and has written subsequent drafts, as have David Farr, Joe Penhall, and Mr. Wright. Hanna will hit theaters on April 8th 2011.







Everyone wants to know the secrets of the YouTube stars—how did they make successful careers out of YouTube, how do they make money and what advice do they have for hopefuls looking to follow in their footsteps?  Tubefilter’s ‘Secrets if YouTube Superstars’ panel at CES shed some light on these questions. Tubefilter’s editor and co-founder, Marc Hustvedt, moderated the panel, which was made up of YouTube megastars iJustine, Joe Penna (aka MysteryGuitarMan), Phil DeFranco, Freddie Wong and Brandon Laatsch.


You can watch the full thirty-seven minute panel in the video below, but I’d like to take a little time to recap some of the most interesting points that were brought up.  I think that Hustvedt asked great questions, leading the panelists to shed some very interesting light on the world of YouTube as a business.


Putting In The Work


I think that the most important thing that can be gleaned from the ‘Secrets Of The YouTube Stars’ CES panel is that you can’t go anywhere on YouTube without putting in lots and lots and lots of work.  There was a general consensus that these guys work an average of about 80 hours a week.  That’s an average of about 11.5 hours a day with no weekend!  And these guys have already made their YouTube channels a success, so just imagine how much work goes in to making a name for yourself when you’re starting out at the bottom.


iJustine says, “This is our life.  Every second of the day you’re working, essentially.  If you’re not posting videos you’re still tweeting, your updating Facebook or you’re updating all these social networks to tie back to your videos and keep people updated on what you’re doing.”  YouTube stars never sleep—it’s a 24/7 job.  Brandon Laatsch says, “We’ve pulled more all nighters in the last year than we did all throughout college.”  But what’s important to note is that these guys love their job.  If you have the passion and the drive, and you’re willing to put in the hours it can be incredibly rewarding.


Bringing Home The Bacon


The question on everyone’s mind is, how do YouTube stars make money?  The panelists are all paying the bills with money they make from YouTube videos, but how do they do it?


Joe Penna explains the two major ways that YouTube stars make money, in addition to the revenue that they earn through YouTube advertising.  One of these ways is through working with brands.  The other is through merchandising.


Penna, iJustine and DeFranco all have quite a lot of experience working with brands.  They seem to agree that working with brands is fantastic, as brands trust them to take creative control and allow them the budget to make bigger, better videos than they could otherwise.  Laatsch also pointed out that over the last year or so viewers have become a lot more accepting of brand deals.  At first there was a lot of name calling (i.e. “You’re a sell out!”), but now that viewers understand that this is what these guys are doing for a living they get that branding is a good thing as it enables them to make better videos.  All the YouTubers stressed that they incorporated branding into their videos in an unobtrusive way as to not freak their viewers out.


YouTube also helps with revenue through grant programs.  They helped DeFranco branch his single channel out into the six-channel DeFranco Inc. and they also sponsored Freddie and Brandon in a project in which they drove around in an RV for a month, making videos with their fans.


Personality


The most important thing that I think can be gleaned from this panel for wannabe YouTube stars is the importance of personality.  If you take a look at the top YouTube channels nearly all of them are supported by a personality.  MysteryGuitarMan makes music videos, but he’s sure to speak directly to his viewers in each and every one of his videos as well.  If you have a strong personality your viewers feel like they know you personally and this is one of the biggest keys to YouTube success.


DeFranco says that YouTube stars are different from television or movie stars because you may want to catch a glimpse of a television star but you’d like to sit and chat over a beer with a YouTube star.  You feel like you are friends with them, they influence you and they can’t wait for you to put out another video.


I’d also like to point out that this is fantastic for branding.  Brands can tap into an audience of millions when they turn to YouTube stars for promotional purposes and these millions trust these stars and are completely engaged and influenced by them.  This is much more direct and effective advertising that television advertising, and cheaper.  It’s a lot more bang for your buck!


Check out the full panel below to find out more from five of YouTube’s biggest stars.  What did you find most interesting about the panel?





Source:http://removeripoffreports.net/

Schneier on Security: More Stuxnet <b>News</b>

January 17, 2011. More Stuxnet News. This long New York Times article includes some interesting revelations. The article claims that Stuxnet was a joint Israeli-American project, and that its effectiveness was tested on live equipment: ...

Major earthquake strikes southwestern Pakistan – This Just In <b>...</b>

[Updated at 4:47 p.m. ET] An earthquake with a preliminary magnitude of 7.2 struck Wednesday morning in a remote area of southwestern Pakistan, the U.S. Geological Survey reported. The earthquake occurred at 1:23 a.m. (3:23 p.m. ...

Soap <b>News</b>: &#39;AMC&#39;s&#39; Debbi Morgan Has Lyme Disease and More

A few weeks ago we reported that 'All My Children's' award-winning actress Debbi Morgan would be taking some time off from the soap. This week.


Thursday, January 13, 2011

tracking personal finances


We are mere days away from 2011, and still happily ensconced in the holiday madness of 2010. This jolly season, which usually kicks off at Halloween, is a fast-moving fog of candy, cookies, cards and frenzy at the malls. It is also hopefully full of joy, laughter and quality time with family.

After the season’s last hurrah on New Year’s, what emerges is a renewed sense of spirit for the coming year –- and sometimes a desire to undo everything that has just been done. This is precisely why most people hit the ground running on January 1 with a resolve to lose weight, get in shape, walk the dog more, and so on.

The following roundup contains apps that can serve as trusty sidekicks to help you keep those resolutions you swear you’ll actually follow through on this year. In addition to personal health, other common resolutions include managing finances more efficiently, quitting smoking, finding a better job and finding love. There are obviously many more apps out there for each category, but I’ve hand-picked twelve to help you get 2011 off to a good start. Happy New Year!

Losing Weight/>

Lose It!/>

Lose It is a great, easy-to-use app that provides users with features for managing and tracking their weight loss and fitness goals. With an extensive database of foods and nutritional information available, you can simply scroll through the options and log what you have consumed for the day to get a total calorie count. The app also tracks calories burned through fitness and shows where you’ve gone over or under your caloric requirements for weight loss each day.

Cost: FREE

Go Meals/>

A dieter’s dilemma: You’re eating out at a restaurant and have no idea what the best choices are that are still suitable for your dieting needs. Go Meals is a helpful app for those moments when you’re out at P.F. Chang’s and want to know if the Mongolian Beef is less caloric than the Orange Peel Beef (it’s not). This app also includes thousands of listings for grocery store foods and provides full nutritional information for foods you eat on a daily basis. When an item has been chosen, you can save them to “Today’s Plate” and keep a log of your caloric, fat and protein intake. A very handy tool.

Cost: FREE

Getting in Shape/>

Fitness Free/>

This is a great free app that provides photographs and detailed steps for each of its more than 320 exercises. Essentially every major muscle group is reflected and you can use this app to get good ideas for triceps, quads or any other body part that you want to improve. There is also a section offering a small selection of pre-bundled, three-day workouts, or you can select exercises of your choosing and create your own customized workout.

Cost: FREE

iPersonalTrainer/>

iPersonalTrainer prompts users to create a workout and select which muscle groups they want to work by pointing to them on a (very buff) illustrated man. The app then takes you to a page with instructional videos for each exercise along with tips for good technique. The app also includes a Body Mass Index (BMI) calculator, weight tracker and progress log so you can keep track of your workouts while you get that hard body.

Cost: $.99

Organizing Finances/>

Pay Off Debt/>

Pay Off Debt provides a good template for users to track and manage all current balances and debts. Using an intuitive interface and the debt snowball method, this app lets you prioritize debts and see estimated times left to pay off each one. You can plan monthly payments for each and view progress bars as you begin chipping away at what’s owed. Based on your payment schedule, the app will also provide you with a date for when you are completely debt-free.

Cost: $3.99

Mintclass="blippr-nobr">Mint/>

Mint is a free app that automatically syncs all of your financial information directly from your online banking accounts, eliminating the need to manually enter all information. You can set up budgets and categories with spending limits on each; track your incoming and outgoing income; track investment accounts and more. The app also alerts you to things like large purchases, when a check clears, or if you go over budget. In addition, security measures are in place to lock iPhoneclass="blippr-nobr">iPhone access if lost or stolen.

Cost: FREE

Quitting Smoking/>

MyQuit Coach/>

MyQuit Coach is a highly-personalizable plan to help smokers quit. Users can set the parameters for the plan and upload personal photos and inspirational motivators to stay on track, and the app awards users with achievement badges when quitting goals have been reached. The app also connects to Facebookclass="blippr-nobr">Facebook, Twitterclass="blippr-nobr">Twitter and LIVESTRONG for additional moral support and information for users.

Cost: $.99

Quitter/>

Quitter is an app that takes a slightly different approach. This lets users track progress by reminding them how long they’ve been smoke-free and how much money they have saved thus far. Users can refer to the app on a daily basis and keep track of how long they’ve gone without smoking and what they would have spent if they had continued.

Cost: FREE

Getting a Better Job/>

Monster.com Jobs/>

As one of the largest job search sites available, the Monster.com app is a great complement for anyone with a Monster account (which is free to register) and gives users access to the same listings they’d find online. The app automatically syncs with your web-based account and enables you to access saved job listings, resumes, saved searches and more from your iPhone. You can also use the iPhone’s built-in GPS system to locate jobs near you.

Cost: FREE

What Color is Your Parachute?/>

You’ve found the job you want, but the next step is the interview. The expression, “You never get a second chance to make a first impression,” couldn’t be truer when it comes to this opportunity, which is likely the only time you have to sell yourself and demonstrate why you are a fit for the job. The What Color is Your Parachute? app is a complement to the eponymous job-seekers’ “bible” and walks users through the job interview process and how to nail it. Tips on interview questions and questions to ask are featured, as well as top 10 mistakes to avoid. It’s a good read for anyone who is preparing for a big interview.

Cost: FREE

Finding Love/>

Dating DNA/>

Unlike other dating apps that require you to have an existing subscription to its web-based site, or are sketchier and only use GPS-navigation to track “singles near you,” Dating DNA is a free app and service that matches people based on compatibility scores. When you are deemed compatible by the app, based on both your ratings, you are then able to view each other’s profiles and connect. The app also provides “at-a-glance” compatibility scoring and dating potential indicators to help you determine if your potential mate is worth pursuing.

Cost: FREE

Love Survival Kit/>

If you need help in the love department and are looking for advice on what to do in certain situations, wikiHow’s Love Survival Kit is a good resource to have. There is plenty of information and dating advice for categories like “Awkward Situations” (ex. Escape Cuddling in Bed); “Breaking Up” (ex. Keep a Friendship After a Breakup) or “Relationship Skills” (ex. Stop Being Needy). Some of articles can be more funny than useful, but then again, sometimes with dating, people need all the help they can get.

Cost: FREE

Which apps did you find most useful? How do you plan to jumpstart your New Year’s resolutions? Let us know in the comments below.

More iPhone Resources from Mashable:

- 10 iPhone Apps for the Global Foodie/> - 10 Useful iPhone Keyboard Shortcuts, Tips and Tricks/> - 10 Incredible iPhone Portrait Photographs/> - 10 Incredible iPhone Photographs/> - 10 Ridiculous iPhone Accessories [PICS]

Image courtesy of spapax

For more Apple coverage:

    class="f-el">class="cov-twit">Follow Mashable Appleclass="s-el">class="cov-rss">Subscribe to the Apple channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for Android, Mac, iPhone and iPad



Best Mobile Personal Finance Tool: Mint





Earlier last week we asked you to share your favorite mobile personal finance tool. We rounded up the nominations and put the top five before you for a vote. Now we're back with your favorite.

Leading the pack by a brutal landslide; Mint's mobile finance application took home 76% of the vote. Following behind Mint, Pageonce pulled in 14%. Rounding out the bottom of the Hive were Pocket Money (3%), EasyMoney (2%), and ProOnGo (1%).


Click on the chart below to see the results in graph form.



Have an idea for the next Hive Five? Shoot us an email at tips@lifehacker.com with "Hive Five" in the subject line and we'll do our best to get your idea the attention it deserves.





Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.







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Monday, January 10, 2011

personal finance programs


On Monday, I linked to this op-ed from Tom Esvlin, Vermont's "stimulus czar," lamenting the way the money got spent. "Although I'd like to think Vermont did better than many states, much of the money ended up continuing bloated programs rather than providing a transition to a sustainable future," he wrote. That same day, Brookings' Gary Burtless e-mailed in a rebuttal that's worth quoting at length, as it's a very clear description of where the stimulus funds actually went, and why such a small percentage was directly devoted to building things. So here it is, with some edits for space:



The main problem with that silly op-ed is that it refers to only a small slice of the actual federal spending on stimulus authorized by the Feb. 2009 legislation. So far, the overwhelming share of that stimulus has been devoted to three items: Tax cuts for households; direct benefits to people adversely affected by the severe recession, mostly the unemployed or poor; and fiscal relief to state and local governments. Vermont did not need any "Czar" to receive or administer funds under these programs. The money for them quickly left the U.S. Treasury without any effort on the part of the Czar who penned this highly misleading op-ed piece. People in Vermont *directly* received benefits from the stimulus as: (1) lower federal tax withholding from their paychecks; (2) extended unemployment benefits; (3) premium subsidies so they could maintain their health insurance after they were laid off from a job in which they received health protection; (4) miscellaneous benefits (e.g., for college costs) under one provision or another; and (5) aid from the Treasury that permitted Vermont and its localities to finance their Medicaid and K-12 education programs without hiking taxes or lowering other public spending. The kinds of infrastructure spending for which the WSJ's "Czar" had some responsibility constituted a small percentage of the stimulus the Congress authorized for 2009 and 2010.



In FY 2009 and 2010, the EXPECTED spending on infrastructure and other items for which the Vermont “Czar” may have had partial responsibility accounted for just 11% of anticipated spending under the stimulus legislation. The other 89% had nothing to do with the programs criticized by Vermont’s supposed Czar. Thus, all of his complaints – even if justified – are essentially irrelevant to the programs mainly supported by the stimulus law … at least so far. Obviously, in the years 2011-2019, that kind of stimulus spending would have accounted for a vastly larger share of outlays. But (and perhaps Vermont’s Czar has not kept up with this because he does not read a daily paper) the Congress just passed and the President just signed ANOTHER stimulus program consisting of more than 90% personal and business tax cuts and less than 10% extensions in unemployment benefits. So far as I know, very little additional spending has been authorized for those hated infrastructure / technology investment projects. Below is the CBO’s year-by-year analysis of the spending authorized under the Feb. 2009 stimulus law:





My own private view is that the country would probably have been better off if *MORE* of the original stimulus had been devoted to infrastructure / technology investment (more of it would have been spent on goods and services produced in the U.S. rather than China, East Asia, and Europe). Setting aside that consideration for a minute, what infuriates me about the piece cited in your blog is that it reinforces the very widespread but totally erroneous impression that Congress and the Administration were unaware of the administrative hurdles to fast spending that the “Czar” points out in his op-ed. Those hurdles were understood from the very beginning, which is precisely the reason that infrastructure/technology investment projects constituted such a small percentage of the total package. It is perfectly legitimate to criticize the pace of spending on these projects, but it is utterly deranged to think that the slow rate of spending on the projects constitutes a serious indictment of the spending authorized under the Feb. 2009 stimulus program. Very little of the expected spending under the stimulus program (at least so far) was supposed to be devoted to those projects.




Promoting your home state is one thing but having a personal jet and billing the state $500,000 for iffy travel is a bit much. He's all for cutting social programs in a state that survives due to more federal money than it pays into Washington, but somehow cuts don't apply to him. He has a lifestyle to maintain, economic crisis be damned. It's good to be da' king.

The flight logs obtained by POLITICO indicate that Mississippi has spent more than $500,000 over the past three years on Barbour's air travel. That total does not include security and other logistical costs associated with his trips. And through a quirk in Mississippi law, whenever the governor is out of state, Mississippi must pay the lieutenant governor a salary differential as acting governor.

Barbour has reimbursed the state for a handful of flights, but he has more often scheduled obscure official business to coincide with the business of politics, according to the manifest and logs, which were obtained from the Mississippi Department of Finance and Administration under a Mississippi Public Records Act request by a Democrat who has worked in the state, who provided them to POLITICO.

Critics say the flights suggest that Barbour has continued to live the lifestyle of a highflying lobbyist as he's slashed his state's budget for government services across the board since taking office in 2004.



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It's that time of year again when spring campaign images start popping up online and in magazines, making everyone feel a bit more miserable about the frigid and slushy weather outside. Some ads were successful at conveying the label's ...


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Carolyn McCarthy readies gun control bill - Shira Toeplitz <b>...</b>

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