Guarding Your Company's online reputation

When suppliers or people today fall prey to unfair opponents, irate ex-employees or disgruntled consumers, then a SERM will become essential during the financial survival of a online business.

Firms like SERMs are essential in maintaining, and in some circumstances salvaging and restoring suppliers or person's status and very good identify.




Web based searches are 1 in the 1st important things that contemporary day consumes do prior to investing money having a business enterprise or person, and one particular terrible click can necessarily mean financial disaster to get a corporation, certainly within this actually growing cyber economic system. Popularity for these SERMs are increasing by leaps and bounds with all the realization it's not prudent to attempt to conduct home business on this cyber age and not possess a SERM on retainer in addition to your accountant and your lawyer.






Businesses are also appreciating the collateral benefit of obtaining a Status Management firm on-board as an integral part of their enterprise model, its terrific marketing! Despite the fact that securing a company's high-quality reputation and identify via the internet, it generates excellent press and good publicity that finally adds substantially towards the bottom line of the company's stability sheet, creating the solutions to actually spend for alone in lots of conditions.




This tends to become an exceptionally robust marketing point for providers also as people, to know that they're cleansing and protecting their reputations and cyber photographs, whilst at the same time running a really beneficial promoting initiative. Occasionally corporations totally disregard their former advertising efforts online and go for the advantages of Web based Reputation Management.




Possessing a SERM agency on your side is devoid of a doubt the way in which to go in this cyber age. For a lot more knowledge on online reputation management and corporate reputation management, Please visit us at http://removeripoffreports.net/

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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

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Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

bench craft company reviews bench craft company reviews

Tucson Hero to Sit With Michelle Obama at State of the Union on <b>...</b>

Polson Kanneth reports: Daniel Hernandez Jr., one of the heroes of the mass shooting in Tucson, Ariz., two weeks ago, tells ABC News that he will be sitting, along with his father, Daniel Hernandez Sr., with Michelle Obama at the.

Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos and <b>...</b>

epic fail photos - Probably Bad News: Headline FAIL.

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.

Making Money Tips

Perfect Market doesn’t promise to save the newspaper business. But the company says it can help papers wring more money out of the stuff they’re already making.

That pitch has been enough to raise $19 million for the Pasedena, Calif.-based company, and now it has added another $9 million in a round led by Comcast’s venture capital arm. Earlier investors Idealab, Rustic Canyon Partners, Tribune Company and Trinity Ventures have all re-upped as well.

Perfect Market‘s main offering is a service that hosts big publishers’ old stories in a Google-friendly way, and sells ads against the archived content. The very short pitch: Why let Demand Media and its ilk get all the search ad dollars?

Things are getting more interesting now, though, as the company rolls out analytics and a dashboard that is supposed to help writers and editors figure out how to make the stories they’re writing now make more money in the future, via SEO-like tips.

And they’ll get very interesting down the road, as Perfect Market gives writers and editors the ability to help choose stories that are more likely to generate ad revenue down the line.

That’s either cunning or creepy, or maybe both, but the company isn’t there yet. It has been testing a version of its analytics package with the Tribune-owned Orlando Sentinel, and says it is working on a 2.0 version of its software for release this year. We’ll check back with the company later on….

What made this project so successful? After all, there are other iPod Nano projects. And it's a wristwatch, which even with the addition of a Nano, might not be the coolest or most necessary of accessories.

Bryce Roberts, the Managing Director of O'Reilly AlphaTech Ventures, points to some reasons he's identified that contributed to the success of the Lunatik/TikTok fundraising endeavor. These lessons that can be seen in other successful Kickstarter projects (such as Diaspora), but they're also applicable in many ways to more "traditional" funding efforts.

Tell a personal story

The Lunatik/TikTok "pitch" wasn't a bulleted list of qualifications or clients. Rather, the members of the team "told personal stories that created a connection to the project that had nothing to do with their professional pedigree." While this sort of storytelling doesn't boost their professional credentials, Roberts argues, it does give the entrepreneurs a certain personal authority and helps to connect them to funders and potential funders in a different way.

Roberts argues that the best fundraising pitches always emphasize this personal aspect. "It's a given," he writes, "that if I chose to invest in you I believe I can make money, but there are the intangibles around personality, perspectives, and life experiences that will make a potential funder more likely to want to believe you."

Tell the product's story

If you watch the TikTok video (below), you'll see the product is featured throughout. This demonstrates what the product can do - and that it can do what the startup promises. The video also demonstrates the larger potential of the product. These might be "small, nice little features" that some investors would dismiss. But with the crowdfunding model, the right storytelling around this seems crucial. "The difference between a nano strapped to a wristband and a premium quality, highly designed, customizable piece of wearable technology is simply a matter of how you tell the story."

But even when you aren't using a site like Kickstarter to raise money, it's crucial that your product be front-and-center in your presentations.

Give rewards and issue progress reports

Investors, by definition, invest in order to make a financial return. Nonetheless, argues Roberts, you should offer more than simply the promise of "making money." These sorts of non-financial rewards can be personal and personalized. By design, Kickstarter tells its users, "the best way to inspire support is to offer people great rewards. Everyone loves limited editions, one-of-a-kinds, and fun experiences (parties, screenings, balloon rides!). Spend some time brainstorming your rewards and people will respond. No one needs another coffee mug."

And as your project and your company are constantly evolving, it's good to keep investors and potential investors up-to-date on your progress. In the case of TikTok, the creators even filmed themselves in China when they traveled to the factory where the watch kits were being made. But the same could be said for all funding relationships; keep your investors apprised of "how you're making progress and how your story is continuing to unfold in a big and important way."

Source:http://removeripoffreports.net/

Modernizr <b>News</b>

We're kicking it off with some pretty exciting news right away. First, we've expanded our team to include Alex Sexton. Due to this addition we've also formalized our individual roles in the Modernizr Team, as such: ...

Small Business <b>News</b>: Social Entrepreneurship on the Rise

In recognition of Martin Luther King Day, we present a roundup about an important new trend, the rise of social entrepreneurship. Instead of profit, the.

Casting <b>News</b>: Anne Hathaway to Guest on &#39;Glee,&#39; Marissa Jaret <b>...</b>

Anne Hathaway must've made a good impression on 'Glee' creator Ryan Murphy at the Golden Globes this weekend, because he's already confirmed she will.

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Breaking <b>news</b>: EPA vetoes Spruce Mine permit « Coal Tattoo

This news is devastating to the Southern Coal Fields and our entire state. The Spruce Number One permit was issued years ago after undergoing a comprehensive permitting process. It is hard to understand how the EPA at this late hour ...

Harvard Undergrads Launch Newsle To Find <b>News</b> About Your Friends <b>...</b>

Social news has many flavors. Twitter and Facebook function as social news feeds with your friends pushing out stories they find interesting. But what about news about your friends or other people you care about? Two Harvard sophomores ...

Small Business <b>News</b>: Building Better Strategy

Building a better strategy should be the constant goal of every small business owner and entrepreneur. Think your business is running as well as it can, has.

Making Money Guide

Under Hue Jackson The Raiders offense improved from 31st in scoring to 6th in scoring

Two days into the offseason and rumors about the coaching staff are flying. We've heard stories suggesting the Raiders will not retain Tom Cable, that Hue Jackson will be promoted to head coach and even that Josh McDaniels could be the Raiders next coach.

Not just rumors but news as well, terrible news.

Only two days into the offseason and the San Francisco 49ers are already requesting to interview the Raiders' offensive coordinator Hue Jackson for the opening at head coach across the bay.

Upon coming to the Raiders, Hue said, "I want to be a head coach at some point and won't necessarily spurn any overtures from other teams."

Do not underestimate the brilliance of Hue Jackson.

He inherited an offense that ranked 31st in total yards and 31st in points scored. After just one year under Jacksons' guide, this team improved to sixth in total points and ninth in total yardage. Also under Hue Jackson, the Raiders' former first round draft pick, Darren McFadden, shed his bust label with a break out season.

If Hue Jackson left, it would destroy all progress made on offense and the Raiders cannot afford to let that happen. The system and playbook he brought in would leave with him. And the Raiders would have to hire someone else who would would bring in a new playbook, a new coaching style and a new play-calling style.

Image via Wikipedia | There’s a Wide Wide World Out There…Are You Going to Take It?

Intro

Every woman and man alive want’s success. Some fetishise it with cash. Some a fast car. Materialism on the Internet is ubiquitous, yet, are WE missing the point. Is true success; contentment at all levels of your life simply right before US? Yes. This quick guide, from the world’s luckiest man, tells you how to attain true perfection.

1. Stop Blaming the World

Envy is green. It’s greener than that grass you are gazing on right across your neighbour’s fence. Today, try just once to focus on yourself. Do you have something that no one else has? I do. I was born in the right place and at the right time in history. Come and join me and stop looking outside at others for solutions. What is your unique strength?

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Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

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Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

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Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

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Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

bench craft company reviews bench craft company reviews

Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

bench craft company reviews bench craft company reviews

Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

bench craft company reviews bench craft company reviews

Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

bench craft company reviews bench craft company reviews

Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

bench craft company reviews bench craft company reviews

Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

bench craft company reviews bench craft company reviews

Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

bench craft company reviews bench craft company reviews

Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

bench craft company reviews bench craft company reviews

Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

bench craft company reviews bench craft company reviews

Bad <b>News</b>, About Virgin Mi-Fi and Verizon Upgrades - NYTimes.com

Two announcements this week. Two big bummers. Two good things gone.

Verizon and Apple Q&amp;A (video) - CNET <b>News</b>

At the iPhone 4 Verizon unveiling, Dan Mead, President of Verizon Wireless, and Tim Cook, COO of Apple, answer questions from the press.

Sarah Palin Appearing On Sean Hannity&#39;s Fox <b>News</b> Show Monday (VIDEO)

Sarah Palin will give her first interview since the Arizona shootings--and her controversial "blood libel" video--to Fox News' Sean Hannity. Palin will appear on "Hannity" on Monday, Jan. 17.

Making Money Cash

(Editor’s note: Charley Polachi is a partner at Polachi, an executive recruiting firm. He submitted this story to VentureBeat.)

2010 is winding down rapidly with all indications that the worst is behind us – hopefully. At the very least, that’s the sentiment of many of the executives we deal with.

As we gave forward into 2011, we queried several of our executive search partners around the world to get their input on what they see happening in their back yards and what they anticipate for the year to come. Here’s what they had to say:

Sean Carroll, Polachi (NYC)

“If there is any meaningful uptick in the economy, good talent that may be on the sidelines will be gone and entrepreneurs will have a tough time hiring on their own.  Also, I suspect there will be a strong M&A market as we’ve seen with Netezza, Unica, Coremetrics, etc.  Corporations have lots of cash and will buy at the right price.”

“Lastly, as entrepreneurs pioneer innovative solutions, there will always be a shortage of skills as the experience or domain does not exist yet.  A good example is SEO products.  Automating SEO is an interesting problem to solve but there are only a few young product companies, so the only place to get SEO experience is the agencies…no SaaS or product experience there.  Entrepreneurs need to make bets that talent can step up in a new sector.”

Andy Price, Schweichler, Price, Mullarkey and Barry (Silicon Valley)

“My view is that the talent pool is getting snapped up pretty fast and once again we’re seeing a very competitive landscape for people.  We’re competing against two forces: Other companies recruiting, and inertia driven by either risk aversion or someone’s low priced options are suddenly in the money and they’re inclined to take risk off the table.  That said, people believe startups have a chance again so they’re willing to talk to you.  Closing people is the hard part right now.”

Steve Lavelle, Gillamor Stephens (London)

“In Europe, access to the talent pool is there, provided the company’s proposition is compelling enough. Closing candidates can be challenging though and having been through the low point of hiring activity, it’s only going to heat up as we move into next year.”

Sal Rocco, Stonewood Group (Toronto)

“We are seeing more product development, engineering-oriented searches than in the past 2-3 years.  The only thing we can attribute this to is that when the market tanked and companies were cash strapped, the focus was on revenue generation and selling what we had.  They gutted costly product development and engineering teams.  The thought was: Don’t worry about new product development because we may not be alive in 2-3 years if we don’t get cash today.

“To the extent they were doing searches in the past 2-3 years, the searches were on either outward looking sales & marketing types focused on making money or CFOs/Finance types focused on raising cash or slowing the bleed. Today, as the future looks brighter and companies realize that their products are dated, they need to hire engineering leads and product development types, which they were laying off over the past 2-3 years.”

So, for 2011 the future looks fairly bright. VCs are investing and companies are hiring.  A few things entrepreneurs can expect to see and look out for are the following:

• Senior talent is getting scarce again


• Social media works for staffing at many levels, but not at the executive level


• Cleantech continues to march on – and more opportunities will be there for investors


• Venture capital is emerging from a difficult stretch, but there is money for good ideas and strong teams in mobile applications, gaming and health care IT


• Candidates want cash and equity.


• Acquisitions will provide the bulk of exits in 2011; the IPO market isn’t here yet.

Next Story: Verizon iPad 2 to join the Verizon iPhone in 2011? Previous Story: Computer platforms with the biggest buzz will be the biggest malware targets in 2011

The Florida Gators (7-5 overall and 4-4 in SEC play) actually were awarded a bowl bid with a hefty financial payout ($3,100,000) based on past performance.

No other explanation of why Florida is in the Outback Bowl really makes any sense.

Florida will be playing in Tampa against Penn State while South Carolina will face Florida State in the Chick-fil-A Bowl (awarded to the SEC’s No. 5 finisher) and Mississippi State  (who beat Florida straight up and finished a game ahead overall) will play Michigan in the Gator Bowl (meant for the SEC’s No. 6 team).

Who cares that Florida was “less than Florida” this year.  We all know they’ll rebound, and it just seems more like a big game with them than without them.

 

Pitt in the BBVA Compass Bowl

Who Should be Playing:   Kentucky vs. Syracuse (SEC No. 8 vs. Big East No. 5)

Syracuse finished 2010 with at a better than expected 7-5 mark overall and went 4-3 in Big East play.  Regardless of how good this was it still puts the Orange a step below Pitt who finished (disappointingly) 7-5 overall and 5-2 in conference.

Regardless, Pitt has been shuffled southwards to the BBVA Compass Bowl (meant for the No. 5 Big East team) while the Orange will participate in the first-ever Pinstripe Bowl (hey, that’s played in New York isn’t it?) that is supposed to be awarded to the Big East’s No. 4 finisher.

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personal finance blog

Today, I challenge the conclusions of a blog writer about markets, randomness, and technical analysis as a whole.

This opinion column could get exciting if the conversation continues beyond this challenge, and I hope it does.

Last week, Benzinga readers were alerted to a blog series challenging the effectiveness of technical analysis, especially the use of support and resistance on stock charts. The blog's writer, Adam Grimes of SMB Capital, makes a claim that almost any random line plopped onto a chart will behave like support or resistance.

He includes some nice examples, including a provocative quiz, and extends his theory to build an argument against almost the entire industry of technical analysis. (If you have not familiarized yourself with Grimes' six-part blog series, this might be a good time to do so.) His thesis is that the stock market is highly random - more random than most traders think - and therefore technical analysis tools (such as support, resistance, and indicators) usually provide no real "edge" for making money in the stock market.

Grimes' five-post argument, which can be found here, concludes in a sixth post that applies the thesis to real-world practice. Specifically, Grimes proposes a few profitable trading methods that allegedly do not violate the principle of the market being highly random.

I admire this latest post, as it moves beyond the academic nature of the former posts and addresses the personal implications of his thesis (which is always difficult work to do), as well as offering actual suggestions for action, rather than quitting after his critique. In other words, his final post took some guts, and I respect that.

However, I must admit that I feel slightly disappointed by the finale. I read the first five posts and was growing very excited that Grimes might actually reveal a trading method with a verifiable, non-random, profitable edge. Unfortunately, I must challenge him on his attempt. He has not.

More specifically, he has not actually shown his readers such a trading system, except in theory. I argue that Grimes' suggestions are far too general to actually be used for trading NYSE stocks. More importantly (and the fun part!), I extend my argument to challenge the use of technical analysis on any NYSE stock. Intrigued? Onward!

While awaiting Grimes' sixth post, I had formulated some guesses for what his conclusion might be. First, I had guessed that he might explain hedge-fund-like research for gaining a profitable edge based on special information. This is pretty standard fare in the finance industry, so this was my first guess. Interestingly, Grimes did not mention this at all.

Second, I had guessed that he might reveal a system for trading a "non-random" characteristic of the market - volatility clustering - which was the topic of his fourth post. Volatility clustering is a very human, non-random characteristic of the market, and there are ways to directly profit from it (like trading VIX long after unusual market moves). Although Grimes mentioned volatility clustering, he did not describe a way to directly profit from this characteristic of the market.

Third, I had guessed that Grimes might talk about tape-reading (one of the famous skills of SMB traders), arbitrage, dark pools, or some other way to trade based on inside knowledge of order flow. Grimes mostly overlooked these skills, however, and never mentioned ways to know more orders than the standard, public Level 2 orderbook.

Fourth, I had guessed that he might explain a news-based trading strategy (like buying volatility on certain news events).

Well, I did not find any of my guesses in Grimes' final post. No, instead, I found (in his words):

"Every edge, every advantage, we have as technical traders comes from an imbalance of buying and selling pressure." And again, as the ultimate application in the final section, "Limit trading to those times when there is actual buying or selling imbalance."

Aw. Really, that was the finale?

My disappointment comes for one reason: great idea, but how you can possibly know when that is happening?

How can you know when a stock has "buying pressure" or "selling pressure"? I mean, really know? I am not talking about 20/20 hindsight where someone pulls up a chart of a stock and jabs, "Can you see the buying pressure now?" No, I am talking about the right edge of the chart, that area by the margin that makes all bets fair and contains all the great mysteries of the stock market. Buying and selling pressure is easy when looking at a stock's history, but it is terribly difficult to know where people will buy and sell that stock in the future.

(If you think this is easy, maybe you should take the quiz again.)

The right edge of the chart is where consolidations look like breakouts, and continuations look like reversals. (I know some traders are grinning right now.) The problem with suggesting that traders "buy when there is buying pressure" is, well, the right edge of the chart. Because the right edge of the chart can look like *anything* you want it to look like. If all you have is a chart, NYSE's tape and stock chart, and the Level 2, then I have some serious doubts about your ability to judge when there is buying or selling pressure.

Track with me, because now it gets interesting. Quick.

My lingering doubt about using technical analysis for any NYSE stock is that the consolidated tape streaming out of NYSE headquarters is not the whole truth. It is only a tiny truth- a minuscule fraction of a stock's supply and demand.

Here we go. Do you remember back to your first days of learning about NYSE's tape (a.k.a. the "time and sales" of transactions from which a stock chart is derived)? Aha, let us quickly refresh. NYSE's tape includes transactions that are automatically or manually reported by the NYSE specialist or transacted over Electronic Communication Networks except - and this is a big except - transactions below 100 shares, dark pool transactions, options transactions, swaps, depository receipts trades, contracts for difference, delayed overseas trades, other derivatives volume, and delayed prints for "special" traders like specialists and majority shareholders.

Whew. Even listing out all of those hidden sources of supply and demand makes me cringe. Do you remember learning about any of those exceptions when you learned about the stock market?

These "other" transactions that never appear on NYSE's tape (nor your stock charts) can, at times, be the majority of a stock's price and volume history. The overwhelmingly vast majority! NYSE has warned investors that dark pools alone average 12%+ of daily volume (so that if a stock trades $1B, there was probably another $120M traded on dark pools that never made it onto the tape nor your stock chart). Moreover, this is only an average, so there are days when darkpool transactions are actually larger (reaching perhaps the majority) of NYSE public transactions on a particular stock. Even without these dark pools - just looking at NYSE's public tape - it is not uncommon for a given stock to trade a few hundred thousand shares during a day, and then suddenly NYSE prints a "block" of two million shares in post-market trading, which NYSE will say occurred "over time in the past." Do you recall seeing these prints? They show up all the time. These prints often come as a reminder for traders that some buying and selling pressure is invisible, occurs in hidden markets, is not reported in a timely manner, and can account for the majority of supply and demand.

But oh there's more.

So, we have recalled that an average of 12% of the true stock chart is invisible: historical price and volume data that is hidden in dark pools and never reported to the public. Moreover, "special" market participants have the privilege of delaying the printing of their trades, including specialists, majority shareholders, and several other classes of traders. Then, on top of all of this, we must also add the influence of High Frequency Trading (HFT), which is 50-70% of the tape (and, therefore, stock chart). Finally, we must add the biggest category of all: the effects of derivatives and funds markets. Here, I am talking about the influence of options transactions, swaps, contracts for difference, delayed overseas trades, arbitrage, foreign depository receipts trades, exotics, and other derivatives. These markets have real, non-instantaneous, and often massive effects on the price of a stock, and none of these effects have standardized reporting on the realtime tape or stock chart.

An example might help at this point. Say you are trading GE. You are watching bullish prints on the NYSE tape, a stock chart showing an strong upward trend, and a Level 2 orderbook that shows plenty of strong buyers willing to pay consistently higher prices. You determine that you have, as Grimes suggested, found "an edge" for a profitable trade based on "buying pressure." You buy GE.

Then, suddenly, a trader in Chicago buys 30,000 GE puts (contracts traded on a non-NYSE market that rise in value as the price of stock goes down). GE stock starts to collapse as news of this large transaction circulates, and you lose money.

Or maybe the NYSE specialist prints a delayed block of five million shares significantly below the current GE price, and GE collapses because of the surprise. Or maybe a darkpool trader sells a block of GE stock while buying it in his darkpool for better, hidden prices. Or maybe an international arbitrageur sells a block of GE because he is buying a paired, exotic option contract in Bermuda. The possibilities are endless.

So, what then? Well, beyond losing money, you are also forced to accept that the "buying pressure" you thought was there, was not really there. More importantly, you are forced to accept that you did not have sufficient knowledge to know if there even was buying pressure in the first place. Most importantly, you must consider whether you can *ever* have enough knowledge to determine if there is buying or selling pressure, given that you only have access to one data source (NYSE) that does not include dozens (if not hundreds) of other invisible and inefficiently-updated sources of supply and demand.

The point is not that one unusual event could occur in a secondary market and destroy one of your trades. No, the point is that invisible and secondary market transactions are occurring constantly, suddenly, enormously, unexpectedly, and are a significant (if not majority) amount of the true buying and selling pressure on NYSE stocks. At any time.

Which brings us back full circle. How can Grimes know that there is "an imbalance of buying and selling pressure" if over half of the tape and chart is HFT, 12%+ is kept secret on dark pools, and 100% is being randomly jerked around without warning by arbitrageurs, derivatives contracts, dark pool traders, depository receipts on alternate exchanges, exotics, and yet-to-be-reported "invisible" trades by privileged market participants?

So, there it is, my first challenge to Adam Grimes and all traders who use technical analysis to trade NYSE stocks. Can you explain how you can know if there is buying and selling pressure at the right edge of the chart, given the enormous and inefficiently-reported influence of outside money?

(I hope Adam Grimes knows that this challenge comes in good taste and good fun. Grimes is an extremely intelligent and gifted trader, and his opinion is probably worth many times that of a lowly staff writer for an opinion column. Nevertheless, I hope he enjoys a healthy debate every now and then; and why not discuss something so important for so many in the financial community. Cheers!)

Disclaimer: Benzinga has no affiliation with Adam Grimes or SMB Capital in any way whatsoever. This article was written to solely increase critical awareness of technical analysis, securities markets, and financial concepts. The views and opinions expressed by Adam Grimes and SMB Capital do not necessarily reflect those of Benzinga. Likewise, the views of this staff writer do not necessarily reflect those of Benzinga. Specifically, Benzinga realizes that technical analysis is a valuable tool for many traders and regularly provides diligent technical updates of the markets by experienced technicians for the benefit of these readers.

-- Aaron Wise

Yes, joking.

Greedsters and fraudsters, SEC, government....how to tell them apart?!  http://seekingalpha.com/article/214999-goldman-settlement-the-sec-s-real-failure"Goldman Settlement: The SEC's Real Failure (by Sam E. Antar)July 18, 2010

The Securities and Exchange Commission's settlement of a lawsuit against Goldman Sachs (NYSE: GS) over a certain subprime mortgage product sold to investors misses a key issue. That is, concerning the company's duty to provide timely and transparent disclosures to its own shareholders about government subpoenas, investigations, and pending enforcement actions against the firm. In this particular case, Goldman did not make timely disclosures about the regulator's investigation and pending lawsuit against the firm, right under the SEC investigator's noses.

Goldman Sachs chooses to keep shareholders in the dark about SEC investigation and pending enforcement action

During the summer of 2008, the SEC started investigating Goldman's marketing of a certain subprime mortgage product, known as ABACUS CDO, to investors who lost over $1 billion from that transaction.
At that time, Goldman Sachs knew that the SEC was investigating its failure to disclose material information to investors in violation of SEC Rule 10b-5 in connection with that transaction. However, Goldman Sachs did not disclose the SEC's investigation in its financial reports.

In July 2009, the SEC sent Goldman Sachs a Wells notice informing Goldman of its intention to file a lawsuit against the company. Still, Goldman Sachs chose not to disclose the SEC's pending enforcement action in its financial reports.

On Friday, April 16, 2010, the SEC filed a surprise lawsuit against Goldman Sachs and Executive Director Fabrice Tourre alleging securities fraud in connected with the company's marketing of the ABACUS CDO to investors. That day, Goldman Sachs shares plummeted from $183.31 per share to $160.30 per share or about 13%, wiping out about $12 billion of shareholder wealth.

Clearly, investors deemed the surprise news of the SEC complaint against the company as material information, unlike the management team running Goldman Sachs.

Goldman Sachs settles SEC charges

Yesterday, Goldman Sachs settled SEC charges against the firm. According to the SEC's press release:

...Goldman, Sachs & Co. will pay $550 million and reform its business practices to settle SEC charges that Goldman misled investors in a subprime mortgage product just as the U.S. housing market was starting to collapse.

 

 Robert Khuzami

 

In agreeing to the SEC's largest-ever penalty paid by a Wall Street firm, Goldman also acknowledged that its marketing materials for the subprime product contained incomplete information.

In a news conference, Director of SEC Enforcement Robert Khuzami spoke about Goldman's duty to provide full and transparent disclosure to its customers but ignored the company's duty to likewise provide such disclosures to its own shareholders:

They acknowledge that their marketing materials for the ABACUS CDO contained incomplete information, and that they failed to disclose both Paulson & Company's role in the portfolio selection process, and that Paulson's economic interests were adverse to CDO investors.

The settlement also contains forward-looking reforms. Goldman has agreed to tighten internal controls and assess the roles and responsibilities of Goldman personnel and others to insure that disclosures in future offerings of mortgage and CDO products are full and accurate.

In agreeing to the settlement, we also took into account that Goldman is engaging in a broad-based self-assessment of their overall business practices that will increase transparency, evaluate and remediate conflicts, and take other steps that collectively will reduce the chances that investors in the future will be misled.

This resolution achieves the goals of accountability, punishment for past misconduct and prospective reforms that are the hallmark of a successful outcome.

Today's settlement is a stark reminder that there will be a heavy price to be paid if firms violate the principles fundamental to our securities laws - full disclosure, honest treatment and fair dealing - and those principles do not change, even if the product is complex or the investor sophisticated.

By ignoring Goldman's failure to inform shareholders in a timely manner about the SEC's investigation of the company and then pending enforcement action, the SEC is sending a message that surprising investors about investigations and enforcement actions is fair game. Moreover, a resolution requiring self-assessment is meaningless, as anyone not sleeping soundly through the last decade should know.

Friday, news of the settlement sent Goldman shares 4.43% higher to close at $145.22 per share, still far lower than its $181.31 price per share the day before the SEC filed its complaint against the company.

Disclaimer: I am a convicted felon and a former CPA. As the criminal CFO of Crazy Eddie, I helped Eddie Antar and other members of his family mastermind one of the largest securities frauds uncovered during the 1980's. I committed my crimes in cold-blood for fun and profit, and simply because I could.

If it weren't for the efforts of the FBI, SEC, Postal Inspector's Office, US Attorney's Office, and class action plaintiff's lawyers who investigated, prosecuted, and sued me, I would still be the criminal CFO of Crazy Eddie today.

There is a saying, "It takes one to know one." Today, I work very closely with the FBI, IRS, SEC, Justice Department, and other federal and state law enforcement agencies in training them to identify and catch white-collar criminals.

I do not seek or want forgiveness for my vicious crimes from my victims. I plan on frying in hell with other white-collar criminals for a very long time.

Recently, I exposed financial reporting violations by Overstock.com (NASDAQ: OSTK) as an independent whistleblower. The Securities and Exchange Commission is now investigating Overstock.com and its CEO Patrick Byrne for securities law violations (Details here, here, and here).

In addition, the SEC is now investigating possible GAAP violations by Bidz.com (NASDAQ: BIDZ) after I alerted them about the company's inventory accounting practices."

 

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foreclosure statistics

In his book, Thompson's search for the American dream ends at the burned-out husk of a former nightclub, a fitting metaphor for a city that went from the fastest-growing to the most-foreclosed city in America in the space of a year. As our article and its accompanying video document, today more than 80% of Vegas mortgages are underwater, and empty or abandoned home pepper the city.

Sunshine and Stricken Suburbs

Vegas is hardly the only region whose housing sector fed on dreams. In Florida, the third-most foreclosed state, dreams have fed the area's growth ever since Ponce de Leon ventured there in search of the fountain of youth. Our piece from Florida explores a different kind of dream: an uncompleted "Italian resort themed" suburban neighborhood that's now filled with cows. In order to save on taxes in the now-unprofitable real estate venture, the area's developer had the area reclassified as farmland and moved in livestock. As for the people who live there, the swanky neighborhood they signed on for is now a barbed-wire bonanza.

And dreams continue to be deferred across the country. In Modesto, Calif., Todd Lappin documents empty streets, hastily boarded-up windows and stagnant swimming pools in the fourth most foreclosed state. With his images of rusting barbecues, overgrown yards and abandoned homes, Lappin sketches a near-apocalyptic landscape, the scattered leavings of a once-posh suburban development.

Meanwhile, a promising development in Vickery, Ga., has started transforming into a money pit. To the dismay of the area's residents, the bankruptcy of Vickery's developer and rising foreclosures have sent neighborhood fees through the roof, even as property values have tumbled. As the author notes, it's unclear if the bucolic neighborhood will ever recoup its lost property values.

Small-Town Destitution

One doesn't have to travel to a sun-kissed wonderland to find a dream that came crashing down. As David Schepp documents in "The Housing Mess Hits One New York Town Hard," Mount Vernon, a scruffy suburb of New York City has also watched its property values plummet. With a majority African-American and Hispanic populace, the working-class city was heavy targeted by subprime lenders, a factor that helps explain why prices have fallen by 37% across the city and by as much as 72% in some neighborhoods.

Washington (CNN) – It is not enough to say the economy is "struggling," "hurting," "sluggish" or "slow."

In this week's American Sauce, we nail down the specifics on our economic health: income, spending, GDP and jobs (now and future). And we look at a core problem, still: housing. We'll introduce you to a woman who's part of the next large group to face foreclosure (conventional loans on moderate homes). She personally demonstrates that all that talk of loan modifications has led to a tangled system of obstacles.

Click here to listen, or keep reading for a quick, bulleted list.



American Sauce's economic check-up:

* Personal bankruptcies: 1.5 million individuals applied for bankruptcy in the year between Sept. 2009 and Sept. 2010. That was a nearly 14 percent increase from the year before.

* Business bankruptcies: 58,322 businesses applied for bankruptcy in that time. Notably, that was a slight decrease of less than 1 percent from the year before.

* Bankruptcy stats: Look through them for yourself at http://www.uscourts.gov/Statistics/BankruptcyStatistics.aspx

* Unemployment rate: 9.8 percent in November, up from 9.6 percent in October.

* Those on unemployment rolls: 15.1 million people.

* Those not counted in unemployment rate: Up to 5 million. That includes as many as 3.5 million who have maxed out unemployment benefits and 1.3 million workers who have stopped filing paperwork for unemployment benefits, saying they do not believe they can find a job and have given up.

NOTE: there are no reliable figures on how many "99'ers" exist. From the Labor Department, we know 3.5 million people have fallen off the unemployment rolls but we do not know how many of them have found a job and how many are still unemployed.

* Unemployment Stats: Here are the latest – http://bls.gov/news.release/empsit.nr0.htm

* Personal income: Went up slightly in November, rising 0.5 percent in November.

* Personal spending: Also increased last month, going up 0.4 percent.

* Income/spending stats can be found here from the Bureau of Economic Advisors: http://www.bea.gov/newsreleases/national/pi/pinewsrelease.htm

* New home sales: Dropped another 8.1 percent in October. It was a drop of 28.5 percent from a year before and a plummet of 80 percent from the height of the housing boom.

* New home prices: Average sales price was $194,900 in October, 13.9 percent lower than in September.

* Existing home sales: Slid 2.2 percent in October.

* Existing home prices: Averaged $170,000 in October.

* More on new home numbers from CNNMoney: http://money.cnn.com/2010/11/24/real_estate/new_home_sales/index.htm

* More on existing homes from CNNMoney: http://money.cnn.com/2010/11/23/real_estate/home_sales_slow/index.htm

For more stats, including the latest figure on Gross Domestic Product, click here for this week's American Sauce podcast:

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<b>News</b> - Khloe Kardashian Becomes a Redhead! - Style &amp; Beauty <b>...</b>

"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?

surface encounters michigan
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Bad <b>news</b>: Obama&#39;s Hawaiian vacation rental was illegal « Hot Air

Bad news: Obama's Hawaiian vacation rental was illegal.

<b>News</b> - Khloe Kardashian Becomes a Redhead! - Style &amp; Beauty <b>...</b>

"I'm so tired of [my sisters] copying everything I do with my hair, so I wanted to go red," she says.

Climate <b>News</b> Snooze? - NYTimes.com

Coverage of human-driven climate change implodes. And so?

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