Monday, November 29, 2010

personal finance books





10 Riskiest Places to Give Your Social Security Number "Here's how to lower the chances of your number falling into the wrong hands -- and what to do if it does."

Holiday Non-Shopping: 7 Items Worth Waiting For [Money Watch] "Here are the top 7 items that you may want to put on your post-holiday shopping list."

How to Pick Your Next Computer [Smart Money] "Here is my annual fall computer buyers' guide, a simplified road map to the key decisions shoppers must make."

10 Things Recruiters Won't Tell You [Wall Street Journal] "#1. There are better ways to find a job."

20 Places to Find Free Books Online [Northern Cheapskate] "The following sites provide free books that can be enjoyed online, downloaded to your computer, or transferred to an e-reader or MP3 player."

— FREE MONEY FINANCE







Launched 3 days ago by Abraaj Capital one of the world’s 50 biggest private equity groups Riyada Enterprise Development (RED) has $500 million in cash to invest on around 100 SMEs over the next 2-3 years. And they’ve kicked it off with investing in 5 already.


If your wondering what an SME is exactly, RED defines it as any company with an enterprise value of less than $50 million. That provides good reason to make your mouth water.


The industries they cover include process food, pharmaceutical, diapers, media, it services, medical testing, educational products and services, , media content, construction material, specialized logistics, child support solutions, clean energy can and should be addressed by SMEs in the region.


Some of their local partners are in Palestine the Palestine Investment Fund, in Jordan it’s Jordan Enterprise, in Lebanon it’s CISCO, and Banque Nationale d’AlgĂ©rie in Algeria to name a few.


The people from Abraaj Capital successfully attempted to put the money together by contacting developmental finance institutions around the region along with a $50 million they put forward since last year. One of which was OPIC: United States Overseas Private Investment Corporation.


The OPIC allocation following president Obama’s 2009 speech was a $500 million tender for development in the Middle East, which RED received the largest single chunk of, which is $150 million. They added another $200 million from their investor base. And before you know it, they got the local funds to chip in getting it up to $500 million.


They started screening companies, 180 companies in total from around the region in 4 months. 160 of them weren’t of interest, the remaining 20 were. As a result they ended up investing in 5:



  1. E3 is a regional medical IT Services company

  2. Egypt-based integrated agriculture company which specializes in Artichoke growing/producing

  3. Egypt-based regional IT services firm OMS

  4. Kuwait-based Teshkeel Media Group lead by Dr. Naif Al-Mutawa creator of The 99 comic book

  5. Jordan-based Arabic online portal d1g.com


D1g.com is obviously the most interesting investment to us because it not only represents in an investment in an Arabic online portal, but an investment in digital Arabic content as well.


Having Usama Fayyad’s Yahoo!’s former Chief Data Officer and Executive Vice President of Research & Strategic Data Solution as Executive Chairman of D1G encouraged us to attend a presentation of his during the Celebration of Entrepreneurship in Dubai and the numbers are staggering.


Since Arabic Internet content is less than 1% of all Internet content yet the Arabic language is ranked second according to the number of native speakers of that language after Mandarin, the crisis is offline as much as it is online. Another interesting fact is that only 2% percent of Arabic speaking Internet users are comfortable with doing their business/personal matter in English.


So if 98% of Arabic speaking people can’t comfortably access the content online, the Internet revolution is actively leaving them behind.


Now if we consider the offline Arabic content dilemma it’s also rather concerning. 330 books get published per year, when comparing the number of ‘quality articles’ on D1G.com, the amount of content would be equivalent to 368 books per year. And that is more than the entire book industry in the Arab world for one year.


It appears RED has made a successful investment, at least in the Arabic content generation industry we hope will catch on to other platforms and online industries.






http://www.complaintsboard.com/complaints/alpine-payment-systems-c270446.html


http://www.complaintsboard.com/complaints/alpine-payment-systems-c270446.html


http://www.complaintsboard.com/complaints/alpine-payment-systems-c270446.html


Fox <b>News</b> claims anti-fees protests were &quot;rebellion against big <b>...</b>

Rupert Murdoch's Fox News has again been caught misrepresenting video footage, claiming the anti-fees protests were a rebellion against big government.

The Simpsons Mocks Fox <b>News</b> | Not Suitable For Viewers Under 75 <b>...</b>

Writers and producers of America's favorite cartoon family The Simpsons appear to delight in taking shots at their corporate overlords, or more to their point, their corporate cousins Fox News. Just last week they mocked the cable news ...

Simpsons Fox <b>News</b> | Simpsons O&#39;Reilly | Simpsons Fox <b>News</b> Joke <b>...</b>

Last night, for the second week in a row, The Simpsons took a shot at corporate cousin Fox News. However, if you're clicking over to Hulu or Fox's websites to check out this week's helicopter gag, you're going to be disappointed.


http://www.complaintsboard.com/complaints/alpine-payment-systems-c270446.html


http://www.complaintsboard.com/complaints/alpine-payment-systems-c270446.html


http://www.complaintsboard.com/complaints/alpine-payment-systems-c270446.html


http://www.complaintsboard.com/complaints/alpine-payment-systems-c270446.html












Saturday, November 27, 2010

Making Money Cash


Immediately after the recession took a dramatic dive in
September 2008, the Bernanke Fed implemented a policy that continues to
further damage the incentive for banks to lend to businesses. On
October 6, 2008 the Fed's Board of Governors, chaired by Ben Bernanke,
announced it would begin paying interest on the reserve balances of
the nation's banks, major lenders to medium and small size businesses.

 

You don't need a Ph.D. economist to know that if you pay
banks ¼ percent risk free interest to hold reserves that they can obtain
at near zero interest, that would be an incentive to hold the
reserves. The Fed pumped out huge amounts of money, with the base of
the money supply more than doubling from August 2008 to August 2010,
reaching $1.99 trillion. Guess who has over half of this money parked
in cold storage? The banks have $1.085 trillion on reserves drawing
interest, The Fed records show they were paid $2.18 billion interest on
these reserves in 2009.

 

A number of people spoke
about the disincentive for bank lending embedded in this policy
including Chairman Bernanke.

 

***

 

Jim McTague, Washington Editor of Barrons,
wrote in his February 2, 2009 column, "Where's the Stimulus:"
"Increasing the supply of credit might help pump up spending, too.
University of Texas Professor Robert Auerbach an economist who studied
under the late Milton Friedman, thinks he has the makings of a
malpractice suit against Federal Reserve Chairman Ben Bernanke, as the
Fed is holding a record number of reserves: $901 billion in January as
opposed to $44 billion in September, when the Fed began paying interest
on money commercial banks parked at the central bank. The banks prefer
the sure rate of return they get by sitting in cash, not making loans.
Fed, stop paying, he says."

 

Shortly after this article appeared
Fed Chairman Bernanke explained: "Because banks should be unwilling to
lend reserves at a rate lower than they can receive from the Fed, the
interest rate the Fed pays on bank reserves should help to set a floor
on the overnight interest rate." (National Press Club, February 18,
2009) That was an admission that the Fed's payment of interest on
reserves did impair bank lending. Bernanke's rationale for interest
payments on reserves included preventing banks from lending at lower
interest rates. That is illogical at a time when the Fed's target
interest rate for federal funds, the small market for interbank loans,
was zero to a quarter of one percent. The banks would be unlikely to
lend at negative rates of interest -- paying people to take their money
-- even without the Fed paying the banks to hold reserves.

 

The next month William T. Gavin, an excellent economist at the St.
Louis Federal Reserve, wrote in its MarchApril 2009 publication:
"first, for the individual bank, the risk-free rate of ¼ percent must
be the bank's perception of its best investment opportunity."

 

The Bernanke Fed's policy was a repetition of what the Fed did in
1936 and 1937 which helped drive the country into a second depression.
Why does Chairman Bernanke, who has studied the Great Depression of
the 1930's and has surely read the classic 1963 account of improper
actions by the Fed on bank reserves described by Milton Friedman and
Anna Schwartz, repeat the mistaken policy?

As the
economy pulled out of the deep recession in 1936 the Fed Board thought
the U.S. banks had too much excess reserves, so they began to raise the
reserves banks were required to hold. In three steps from August 1936
to May 1937 they doubled the reserve requirements for the large banks
(13 percent to 26 percent of checkable deposits) and the country banks
(7 percent to 14 percent of checkable deposits).

 

Friedman and Schwartz ask: "why seek to immobilize reserves at that
time?" The economy went back into a deep depression. The Bernanke Fed's
2008 to 2010 policy also immobilizes the banking system's reserves
reducing the banks' incentive to make loans.

 

This is a bad policy even if the banks approve. The
correct policy now should be to slowly reduce the interest paid on
bank reserves to zero and simultaneously maintain a moderate increase
in the money supply by slowly raising the short term market interest
rate targeted by the Fed.
Keeping the short term target
interest rate at zero causes many problems, not the least of which is
allowing banks to borrow at a zero interest rate and sit on their
reserves so they can receive billions in interest from the taxpayers
via the Fed. Business loans from banks are vital to the nations'
recovery.

The fact that the Fed is suppressing lending
and inflation at a time when it says it is trying to encourage both
shows that the Fed is saying one thing and doing something else
entirely.

I have previously pointed out numerous other ways in which the Fed is working against its stated goals, such as:

  • Reinforcing cyclical trends (when one of the Fed's main justifications is providing a counter-cyclical balance);
  • Increasing unemployment (when the Fed is mandated by law to maximize employment); and
  • Encouraging financial companies to make even riskier gambles in the future (when it is supposed to stabilize the financial system).

And see this.

Postscript: If the Fed really wants to stimulate the economy, it should try Steve Keen's idea.

Wow, finally people noticed.


All it took was Google to supposedly offer $3.5 million to an engineer to not go to Facebook. Now, that is what rational people would call cutting off the nose to spite the face. But these are not rational times. I have been writing about the escalating irrationality in Silicon Valley, which for some odd reason exists detached from the global economic reality.


In past few months, I wrote about three major and potentially troubling signs.



  • Silicon Valley & the Scent of Money talked about the increased number of startups getting funded and the amount of money being pumped into the startups going up, thanks to hyperactive, always tweeting, angel investors.

  • Silicon Valley’s Talent Crunch talked about how there was a decline in certain kind of engineering talent and other professionals in the valley, thanks to the breathless hiring from giants like Zynga, Google, Apple, Facebook and Twitter.

  • The media’s focus on investors and not the founders.


There are some excerpts from Fred Wilson’s post I think are worth highlighting.


I think the competition for “hot” deals is making people crazy and I am seeing many more unnatural acts from investors happening. If it were just valuations rising quickly, I’d be a bit less concerned. But we are also seeing large deals ($5mm to $15mm) getting done in a few days with little or no due diligence. Investors are showing up at the first meeting with term sheets. I have never seen phases like this end nicely.


Irrationality often doesn’t seem irrational because it is often labeled as conventional or fashionable thinking. Let’s step back for a minute: if you take what Michael Arrington wrote or what Fred Wilson has to say or my own reporting, we are beginning to see signs of hyper-inflation in the web and startup landscape.


Fred doesn’t want to call it a bubble and he is right, mostly because it is not a classic case of mass hysteria, and instead it is a madness that impacts only a certain genus, the professional investor. The implications of this early stage investment hysteria are going to be felt across the ecosystem.


Let me explain.


Google, worried and perhaps tired of losing its great engineers and talented people to other companies including Facebook, decided to fight back with a weapon it knows can be effective in the short term: money. A ten percent across the board pay hike and generous offers to exceptional and standout employees are a good way to stem the flow of talent. Facebook and others, if they do indeed want these people, now have to spend cold-hard cash to lure people out of their cushy Google gig.


Of course, one could argue that what is good for the goose is good for the gander. The more cash big web companies offer as salaries, the more startups and others are pressed to offer higher salaries to their recruits, which in turn means that startups are going to need more money. More money means that tide might turn against the angels in favor of larger Sand Hill Road firms. A million-dollar angel round isn’t enough when you have to pay $100,000 or more in engineer salaries! In other words, the startup economics are going to change.


This is not good for startup founders either. Inflation means they need to raise more money, which will come at a cost: They will be giving up a bigger portion of their business to investors. Of course, higher valuations would make exits –- still few and far between –- tougher.


I think Wilson’s comment about “investors are showing up at the first meeting with term sheets” is particularly telling and indicative of the irrationality in the market. And the sad part –- it is only going to get worse.


Image courtesy of Flickr user joelogon


Related posts from GigaOM Pro (sub req’d):



  • Why Google Should Fear the Social Web

  • Lessons From Twitter: How to Play Nice With Ecosystem Partners

  • What We Can Learn From the Guardian’s Open Platform



bench craft company reviews

Saturday <b>News</b> Briefs Nov. 27, 2010 | Albuquerque N.M. | KRQE <b>News</b> 13

Midday News Webcast: Nov. 26, 2010. smoke_stacks_20100614105717_JPG. Chimneys at a factory emit carbon dioxide. File photo. shop_20101126090122_JPG. Shoppers stream into a Best Buy to take advantage of the store's early opening Friday, ...

Miller returns to net tonight - Sabres Edge - Blogs - The Buffalo <b>News</b>

The Buffalo News updated every day with news from Buffalo, New York. Links to national and business news, entertainment listings, recipes, sports teams, classified ads, death notices.

No Batmobile in Arkham City <b>News</b> - Page 1 | Eurogamer.net

Read our news of No Batmobile in Arkham City. ... Batman: Arkham Asylum 2 teaser 14 December, 2009. Latest News. Batman: Arkham City details emerge . Batman: Arkham City revealed, dated . Batman domains name Arkham sequel? ...


bench craft company reviews

Saturday <b>News</b> Briefs Nov. 27, 2010 | Albuquerque N.M. | KRQE <b>News</b> 13

Midday News Webcast: Nov. 26, 2010. smoke_stacks_20100614105717_JPG. Chimneys at a factory emit carbon dioxide. File photo. shop_20101126090122_JPG. Shoppers stream into a Best Buy to take advantage of the store's early opening Friday, ...

Miller returns to net tonight - Sabres Edge - Blogs - The Buffalo <b>News</b>

The Buffalo News updated every day with news from Buffalo, New York. Links to national and business news, entertainment listings, recipes, sports teams, classified ads, death notices.

No Batmobile in Arkham City <b>News</b> - Page 1 | Eurogamer.net

Read our news of No Batmobile in Arkham City. ... Batman: Arkham Asylum 2 teaser 14 December, 2009. Latest News. Batman: Arkham City details emerge . Batman: Arkham City revealed, dated . Batman domains name Arkham sequel? ...


bench craft company reviews


Immediately after the recession took a dramatic dive in
September 2008, the Bernanke Fed implemented a policy that continues to
further damage the incentive for banks to lend to businesses. On
October 6, 2008 the Fed's Board of Governors, chaired by Ben Bernanke,
announced it would begin paying interest on the reserve balances of
the nation's banks, major lenders to medium and small size businesses.

 

You don't need a Ph.D. economist to know that if you pay
banks ¼ percent risk free interest to hold reserves that they can obtain
at near zero interest, that would be an incentive to hold the
reserves. The Fed pumped out huge amounts of money, with the base of
the money supply more than doubling from August 2008 to August 2010,
reaching $1.99 trillion. Guess who has over half of this money parked
in cold storage? The banks have $1.085 trillion on reserves drawing
interest, The Fed records show they were paid $2.18 billion interest on
these reserves in 2009.

 

A number of people spoke
about the disincentive for bank lending embedded in this policy
including Chairman Bernanke.

 

***

 

Jim McTague, Washington Editor of Barrons,
wrote in his February 2, 2009 column, "Where's the Stimulus:"
"Increasing the supply of credit might help pump up spending, too.
University of Texas Professor Robert Auerbach an economist who studied
under the late Milton Friedman, thinks he has the makings of a
malpractice suit against Federal Reserve Chairman Ben Bernanke, as the
Fed is holding a record number of reserves: $901 billion in January as
opposed to $44 billion in September, when the Fed began paying interest
on money commercial banks parked at the central bank. The banks prefer
the sure rate of return they get by sitting in cash, not making loans.
Fed, stop paying, he says."

 

Shortly after this article appeared
Fed Chairman Bernanke explained: "Because banks should be unwilling to
lend reserves at a rate lower than they can receive from the Fed, the
interest rate the Fed pays on bank reserves should help to set a floor
on the overnight interest rate." (National Press Club, February 18,
2009) That was an admission that the Fed's payment of interest on
reserves did impair bank lending. Bernanke's rationale for interest
payments on reserves included preventing banks from lending at lower
interest rates. That is illogical at a time when the Fed's target
interest rate for federal funds, the small market for interbank loans,
was zero to a quarter of one percent. The banks would be unlikely to
lend at negative rates of interest -- paying people to take their money
-- even without the Fed paying the banks to hold reserves.

 

The next month William T. Gavin, an excellent economist at the St.
Louis Federal Reserve, wrote in its MarchApril 2009 publication:
"first, for the individual bank, the risk-free rate of ¼ percent must
be the bank's perception of its best investment opportunity."

 

The Bernanke Fed's policy was a repetition of what the Fed did in
1936 and 1937 which helped drive the country into a second depression.
Why does Chairman Bernanke, who has studied the Great Depression of
the 1930's and has surely read the classic 1963 account of improper
actions by the Fed on bank reserves described by Milton Friedman and
Anna Schwartz, repeat the mistaken policy?

As the
economy pulled out of the deep recession in 1936 the Fed Board thought
the U.S. banks had too much excess reserves, so they began to raise the
reserves banks were required to hold. In three steps from August 1936
to May 1937 they doubled the reserve requirements for the large banks
(13 percent to 26 percent of checkable deposits) and the country banks
(7 percent to 14 percent of checkable deposits).

 

Friedman and Schwartz ask: "why seek to immobilize reserves at that
time?" The economy went back into a deep depression. The Bernanke Fed's
2008 to 2010 policy also immobilizes the banking system's reserves
reducing the banks' incentive to make loans.

 

This is a bad policy even if the banks approve. The
correct policy now should be to slowly reduce the interest paid on
bank reserves to zero and simultaneously maintain a moderate increase
in the money supply by slowly raising the short term market interest
rate targeted by the Fed.
Keeping the short term target
interest rate at zero causes many problems, not the least of which is
allowing banks to borrow at a zero interest rate and sit on their
reserves so they can receive billions in interest from the taxpayers
via the Fed. Business loans from banks are vital to the nations'
recovery.

The fact that the Fed is suppressing lending
and inflation at a time when it says it is trying to encourage both
shows that the Fed is saying one thing and doing something else
entirely.

I have previously pointed out numerous other ways in which the Fed is working against its stated goals, such as:

  • Reinforcing cyclical trends (when one of the Fed's main justifications is providing a counter-cyclical balance);
  • Increasing unemployment (when the Fed is mandated by law to maximize employment); and
  • Encouraging financial companies to make even riskier gambles in the future (when it is supposed to stabilize the financial system).

And see this.

Postscript: If the Fed really wants to stimulate the economy, it should try Steve Keen's idea.

Wow, finally people noticed.


All it took was Google to supposedly offer $3.5 million to an engineer to not go to Facebook. Now, that is what rational people would call cutting off the nose to spite the face. But these are not rational times. I have been writing about the escalating irrationality in Silicon Valley, which for some odd reason exists detached from the global economic reality.


In past few months, I wrote about three major and potentially troubling signs.



  • Silicon Valley & the Scent of Money talked about the increased number of startups getting funded and the amount of money being pumped into the startups going up, thanks to hyperactive, always tweeting, angel investors.

  • Silicon Valley’s Talent Crunch talked about how there was a decline in certain kind of engineering talent and other professionals in the valley, thanks to the breathless hiring from giants like Zynga, Google, Apple, Facebook and Twitter.

  • The media’s focus on investors and not the founders.


There are some excerpts from Fred Wilson’s post I think are worth highlighting.


I think the competition for “hot” deals is making people crazy and I am seeing many more unnatural acts from investors happening. If it were just valuations rising quickly, I’d be a bit less concerned. But we are also seeing large deals ($5mm to $15mm) getting done in a few days with little or no due diligence. Investors are showing up at the first meeting with term sheets. I have never seen phases like this end nicely.


Irrationality often doesn’t seem irrational because it is often labeled as conventional or fashionable thinking. Let’s step back for a minute: if you take what Michael Arrington wrote or what Fred Wilson has to say or my own reporting, we are beginning to see signs of hyper-inflation in the web and startup landscape.


Fred doesn’t want to call it a bubble and he is right, mostly because it is not a classic case of mass hysteria, and instead it is a madness that impacts only a certain genus, the professional investor. The implications of this early stage investment hysteria are going to be felt across the ecosystem.


Let me explain.


Google, worried and perhaps tired of losing its great engineers and talented people to other companies including Facebook, decided to fight back with a weapon it knows can be effective in the short term: money. A ten percent across the board pay hike and generous offers to exceptional and standout employees are a good way to stem the flow of talent. Facebook and others, if they do indeed want these people, now have to spend cold-hard cash to lure people out of their cushy Google gig.


Of course, one could argue that what is good for the goose is good for the gander. The more cash big web companies offer as salaries, the more startups and others are pressed to offer higher salaries to their recruits, which in turn means that startups are going to need more money. More money means that tide might turn against the angels in favor of larger Sand Hill Road firms. A million-dollar angel round isn’t enough when you have to pay $100,000 or more in engineer salaries! In other words, the startup economics are going to change.


This is not good for startup founders either. Inflation means they need to raise more money, which will come at a cost: They will be giving up a bigger portion of their business to investors. Of course, higher valuations would make exits –- still few and far between –- tougher.


I think Wilson’s comment about “investors are showing up at the first meeting with term sheets” is particularly telling and indicative of the irrationality in the market. And the sad part –- it is only going to get worse.


Image courtesy of Flickr user joelogon


Related posts from GigaOM Pro (sub req’d):



  • Why Google Should Fear the Social Web

  • Lessons From Twitter: How to Play Nice With Ecosystem Partners

  • What We Can Learn From the Guardian’s Open Platform



bench craft company reviews

Saturday <b>News</b> Briefs Nov. 27, 2010 | Albuquerque N.M. | KRQE <b>News</b> 13

Midday News Webcast: Nov. 26, 2010. smoke_stacks_20100614105717_JPG. Chimneys at a factory emit carbon dioxide. File photo. shop_20101126090122_JPG. Shoppers stream into a Best Buy to take advantage of the store's early opening Friday, ...

Miller returns to net tonight - Sabres Edge - Blogs - The Buffalo <b>News</b>

The Buffalo News updated every day with news from Buffalo, New York. Links to national and business news, entertainment listings, recipes, sports teams, classified ads, death notices.

No Batmobile in Arkham City <b>News</b> - Page 1 | Eurogamer.net

Read our news of No Batmobile in Arkham City. ... Batman: Arkham Asylum 2 teaser 14 December, 2009. Latest News. Batman: Arkham City details emerge . Batman: Arkham City revealed, dated . Batman domains name Arkham sequel? ...


bench craft company reviews

Saturday <b>News</b> Briefs Nov. 27, 2010 | Albuquerque N.M. | KRQE <b>News</b> 13

Midday News Webcast: Nov. 26, 2010. smoke_stacks_20100614105717_JPG. Chimneys at a factory emit carbon dioxide. File photo. shop_20101126090122_JPG. Shoppers stream into a Best Buy to take advantage of the store's early opening Friday, ...

Miller returns to net tonight - Sabres Edge - Blogs - The Buffalo <b>News</b>

The Buffalo News updated every day with news from Buffalo, New York. Links to national and business news, entertainment listings, recipes, sports teams, classified ads, death notices.

No Batmobile in Arkham City <b>News</b> - Page 1 | Eurogamer.net

Read our news of No Batmobile in Arkham City. ... Batman: Arkham Asylum 2 teaser 14 December, 2009. Latest News. Batman: Arkham City details emerge . Batman: Arkham City revealed, dated . Batman domains name Arkham sequel? ...


bench craft company reviews

Friday, November 19, 2010

Making Money Cash

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$18,000 CASH in 1 DAY! by cashsystem


bench craft company rip off

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

Photos Implant &#39;Memories&#39; of Fictional <b>News</b> Events | Smart <b>...</b>

Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.


bench craft company rip off

$18,000 CASH in 1 DAY! by cashsystem


bench craft company rip off

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

Photos Implant &#39;Memories&#39; of Fictional <b>News</b> Events | Smart <b>...</b>

Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.


bench craft company rip off

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

Photos Implant &#39;Memories&#39; of Fictional <b>News</b> Events | Smart <b>...</b>

Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.


bench craft company rip off

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

Photos Implant &#39;Memories&#39; of Fictional <b>News</b> Events | Smart <b>...</b>

Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.


bench craft company rip off

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

Photos Implant &#39;Memories&#39; of Fictional <b>News</b> Events | Smart <b>...</b>

Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.


bench craft company rip off

$18,000 CASH in 1 DAY! by cashsystem


bench craft company rip off
bench craft company rip off

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

Photos Implant &#39;Memories&#39; of Fictional <b>News</b> Events | Smart <b>...</b>

Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.


bench craft company rip off

bench craft company rip off

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

Photos Implant &#39;Memories&#39; of Fictional <b>News</b> Events | Smart <b>...</b>

Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.


bench craft company rip off

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

Photos Implant &#39;Memories&#39; of Fictional <b>News</b> Events | Smart <b>...</b>

Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.


bench craft company rip off

One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

Middle East violence increases « Liveshots

Another cycle of violence in the Middle East as Israel strikes targets in Gaza in retaliation.


bench craft company rip off

GT5 installs while played - Sony PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of GT5 installs while played - Sony.

Lions vs. Cowboys: Good <b>News</b> On The Injury Front; Dez Bryant Is <b>...</b>

The Dallas Cowboys get some veterans back in practice, and Dez Bryant is a violent man.

Is Jennifer Lopez The Latest Celeb To Overdo It On Botox? (Photos <b>...</b>

Jennifer Lopez and Marc Anthony have launched a new clothing and accessories line for Kohl's. The items will be in stores in 2011. The couple appeared at a press conference in West Hollywood yeste...


bench craft company rip off

Fox <b>News</b> President: Jon Stewart Is Crazy And NPR Is Run By Nazis <b>...</b>

The second part of The Daily Beast's interview with Fox News president Roger Ailes is out today, and Ailes' encore doesn't disappoint. He responded harshly to Jon Stewart's pervasive criticism of cable news and had some tough, ...

Photos Implant &#39;Memories&#39; of Fictional <b>News</b> Events | Smart <b>...</b>

Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.

Middle East violence increases « Liveshots

Another cycle of violence in the Middle East as Israel strikes targets in Gaza in retaliation.


bench craft company rip off

Thursday, November 18, 2010

Moms Making Money

eric seiger

Dr Wentz Founder Of  Usana 2009 Convention by SueCarveth


eric seiger

Small Business <b>News</b>: Direct Marketing Diorama

Not too long ago, we received a comment from a reader of our Small Business Trends small business news roundups on a post called Marketing Mashup. Though we.

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

MS/Sony to join forces within 10 years? <b>News</b> - Page 1 | Eurogamer.net

Read our news of MS/Sony to join forces within 10 years?.


eric seiger

Dr Wentz Founder Of  Usana 2009 Convention by SueCarveth


eric seiger

Small Business <b>News</b>: Direct Marketing Diorama

Not too long ago, we received a comment from a reader of our Small Business Trends small business news roundups on a post called Marketing Mashup. Though we.

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

MS/Sony to join forces within 10 years? <b>News</b> - Page 1 | Eurogamer.net

Read our news of MS/Sony to join forces within 10 years?.


eric seiger

Small Business <b>News</b>: Direct Marketing Diorama

Not too long ago, we received a comment from a reader of our Small Business Trends small business news roundups on a post called Marketing Mashup. Though we.

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

MS/Sony to join forces within 10 years? <b>News</b> - Page 1 | Eurogamer.net

Read our news of MS/Sony to join forces within 10 years?.


eric seiger

Small Business <b>News</b>: Direct Marketing Diorama

Not too long ago, we received a comment from a reader of our Small Business Trends small business news roundups on a post called Marketing Mashup. Though we.

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

MS/Sony to join forces within 10 years? <b>News</b> - Page 1 | Eurogamer.net

Read our news of MS/Sony to join forces within 10 years?.


eric seiger
eric seiger

Dr Wentz Founder Of  Usana 2009 Convention by SueCarveth


eric seiger
eric seiger

Small Business <b>News</b>: Direct Marketing Diorama

Not too long ago, we received a comment from a reader of our Small Business Trends small business news roundups on a post called Marketing Mashup. Though we.

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

MS/Sony to join forces within 10 years? <b>News</b> - Page 1 | Eurogamer.net

Read our news of MS/Sony to join forces within 10 years?.


Wednesday, November 17, 2010

personal finance planning




Consider the Cost Per Use When Planning a New Purchase





When we purchase something and use it frequently we comment that we "got our money's worth" out of it, as the cost-per-use has plummeted. Weigh the frequency of use against the purchase price when considering if something is worth buying.

Photo by Joe Marinaro.


Financial blog Personal Finance by the Book highlights how cost-to-use analysis plays out in different situations. For example, when purchasing a new vehicle it makes little sense to pay extra for features that are infrequently used:



Should you pay an extra $5,000 for that 7 passenger car? It depends on how often you actually need those extra seats for the life of the vehicle. Obviously, if you have a family of seven you need all the seats you can get, but if you only use those extra seats one week a year for your annual vacation, you are paying $1,000 for each of those weeks (assuming you keep your vehicle five years). Because a seven passenger mini-van rents for about $500 a week at Enterprise, you may be better off saving your $5000 purchase price and renting that 7 passenger vehicle when you need it.



Check out the full article at the link below for more examples and tips for applying cost-per-use analysis to your purchases.



Your daily dose of news and tidbits from the world of money in politics:

DEMOCRATS MORE LIKELY TO PERSONALLY ATTACK OPPONENTS IN ADVERTISEMENTS: According to a recent report by the Wesleyan Media Project, in 2010, �pro-Democratic ads focused on the personal characteristics of Republican candidates in 21 percent of their attack ads� compared to 11 percent of pro-Republican ads. This is up from the 12 percent of Democratic attack ads in 2008 that were focused on personal characteristics. 

The report cautions against claims that this election is unusually negative stating the proportion of negative to positive ads is comparable to 2008. However, the big difference is that among negative ads there is an increase among personal attack ads. Overall, that rate has gone up from 14 percent in 2008 to 20 percent in 2010. The report also mentions that attack ads �are far more likely than other ads to be sponsored by parties and/or interest groups� rather than by candidates themselves.

When making independent expenditures with overt messages in favor or opposition to federal candidates, political groups must tell the Federal Election Commission whether their expenditure is to �support� a candidate or �oppose� a candidate. A Center for Responsive Politics analysis of outside groups� expenditures �opposing� candidates compared to ads �supporting� candidates since October 1st shows �opposing ads� totaling $218 million and supporting ads totaling $42 million. These expenditures include TV ads, radio ads, web ads, fliers, mailings, canvassers, phone banks and other communications:

REPUBLICAN RANKING MEMBERS ARE THE COOL KIDS ON THE BLOCK AGAIN:
Ranking members of House committees are becoming the popular kids. If
the Republicans take over majority in the House, committee ranking
members like Rep. David Camp (R-Mich.) will be the new chairmen. As the
New York Times reported Tuesday, Republicans in positions to become
chairmen of House committees are seeing an influx of cash and popularity
at fundraisers. Camp, the current ranking member of the tax-writing
House Ways and Means Committee is receiving more contributions as
lobbyists plan for the future.



Jennifer Bell, a former Senate Finance Committee aide and a current
health care lobbyist told the New York Times, �You don�t wait until Nov.
3 and say, �What is the plan?� Obviously, it is the majority that sets
the agenda.�



As OpenSecrets Blog reported yesterday, many industries have been
planning ahead and have started to shift contributions to Republicans.
This phenomenon is not unique to this election as contributions have
historically favored the majority party and have fluctuated accordingly.



Below is a Center for Responsive Politics analysis of contributions to
Camp that shows a sharp increase in contributions during the last three
months - through September 30th. The second chart shows the total contributions to all candidates
during the same period for a linear comparison:




U.S. FALLS OUT OF THE TOP 20 LEAST CORRUPT NATIONS LIST: Transparency International released their annual Corruption Perceptions Index on Tuesday revealing that the United States has dropped from the 19th least corrupt nation in 2009 to 22nd place this year. According to Reuters, Nancy Boswell, the President of TI in the United States stated that the United States has lost integrity and public faith about ethics in America due in part to the lending practices in the subprime crisis, �Bernard Madoff's Ponzi scheme and rows over political funding.�

On the bright side, the United States is perceived to be just less corrupt than Uruguay, France, Estonia and Slovenia.

Have a news tip or link to pass along? We want to hear from you! E-mail us at press@crp.org.

alpine payment systems scam

<b>News</b> Corp. iPad Venture Fishing In Wrong Pond | paidContent

Another day, another hire at News Corp.'s super-duper secret iPad venture dubbed The Daily—and another reason to question whether this is going to be yet another wobbly Rupert Murdoch digital-news enterprise. ...

Pharmaceutical <b>News</b> Roundup: Human Genome&#39;s Lupus Drug, Merck&#39;s <b>...</b>

Here's a roundup of some of Wednesday's major pharmaceutical news: An FDA panel gave Human Genome Sciences a boost with a thumbs-up for its lupus drug, Benlysta; Merck's experimental heart drug appears to work well without side effects; ...

Movie <b>News</b> Quick Hits: &#39;Paranormal Activity 3&#39; Gets a Release Date <b>...</b>

This 'Toy Story' Engagement Ring Box is just too adorable. - It shouldn't be much of a surprise, but Oren Peli has confirmed that 'Paranormal.



 by Julia Delligatti


<b>News</b> Corp. iPad Venture Fishing In Wrong Pond | paidContent

Another day, another hire at News Corp.'s super-duper secret iPad venture dubbed The Daily—and another reason to question whether this is going to be yet another wobbly Rupert Murdoch digital-news enterprise. ...

Pharmaceutical <b>News</b> Roundup: Human Genome&#39;s Lupus Drug, Merck&#39;s <b>...</b>

Here's a roundup of some of Wednesday's major pharmaceutical news: An FDA panel gave Human Genome Sciences a boost with a thumbs-up for its lupus drug, Benlysta; Merck's experimental heart drug appears to work well without side effects; ...

Movie <b>News</b> Quick Hits: &#39;Paranormal Activity 3&#39; Gets a Release Date <b>...</b>

This 'Toy Story' Engagement Ring Box is just too adorable. - It shouldn't be much of a surprise, but Oren Peli has confirmed that 'Paranormal.


alpine payment systems scam

<b>News</b> Corp. iPad Venture Fishing In Wrong Pond | paidContent

Another day, another hire at News Corp.'s super-duper secret iPad venture dubbed The Daily—and another reason to question whether this is going to be yet another wobbly Rupert Murdoch digital-news enterprise. ...

Pharmaceutical <b>News</b> Roundup: Human Genome&#39;s Lupus Drug, Merck&#39;s <b>...</b>

Here's a roundup of some of Wednesday's major pharmaceutical news: An FDA panel gave Human Genome Sciences a boost with a thumbs-up for its lupus drug, Benlysta; Merck's experimental heart drug appears to work well without side effects; ...

Movie <b>News</b> Quick Hits: &#39;Paranormal Activity 3&#39; Gets a Release Date <b>...</b>

This 'Toy Story' Engagement Ring Box is just too adorable. - It shouldn't be much of a surprise, but Oren Peli has confirmed that 'Paranormal.


web internet marketing



After all the shouting has died down, after the House elects its Republican leaders and after the Senate sorts itself out, the reality is that policy in the telecom sector will likely remain where it has been for the past two years -- in state of suspended animation. That's a shame, because the people who can most benefit by some reasonable and common-sense changes may not have the opportunity to do so.



The two issues at the top of the list are Net Neutrality and the wonky-sounding "reclassification" of broadband services. Net Neutrality is the simple concept that those who control the telecommunications networks shouldn't be able to play favorites with the content that is transmitted over those networks. It's an old concept, as Prof. Tim Wu pointed out in his book, Master Switch: The Rise and Fall of Information Empires. The simple, fair idea is that everyone online should have the same ability to make his or her voice or service known to the rest of the world.



President Obama campaigned in part on restoring an Open Internet. Julius Genachowski, his chairman of the Federal Communications Commission (FCC) hasn't delivered, and probably won't. As his pattern of activity has developed, Genachowski has ducked the major issues to which the big telecommunications companies, aided by the congressional Democratic Blue Bells and by all congressional Republicans, have objected. He has the votes of the other two Democratic FCC commissioners, but that's not enough for him.



As a result, Genachowski has taken the pressure off of Congress to do anything to ensure an Open Internet, in which everyone, not simply the big phone and cable companies, can benefit. (The fact that 95 Democrats who signed a Net Neutrality pledge lost on Tuesday is irrelevant. They would have lost anyway in the GOP landslide.)



As with any issue when the battles are controlled by big companies, it's the small ones who get overlooked and/or crushed. In a recent blog post, Kevin Warhus, marketing manager for the Scottsdale, Ariz., digital marketing company StringCan Interactive, wrote about the link between a neutral Internet and what he sees as Web 3.0, which seeks to personalize the Web experience for consumers. Warhus is particularly concerned about telecom control over the mobile Web and the effect on small businesses his company helps to support. He wrote:



As we evolve into the age Web 3.0 in which our information, likes and dislikes, and online habits help create a personalized web experience, Net Neutrality stands as an important stepping stone to ensure the proper development of Internet interaction and the protections of our freedoms.

"Allowing a handful of powerful corporations to decide what websites and information we should be able to access defeats the purpose of this open source frontier. The Internet has always stood as an environment where anyone can make a website or blog and receive equal opportunities to be heard and to grow. By taking away those rights we are essentially handing over our freedoms and going against the foundational values that make The Internet what it is today and what it may or may not be tomorrow.



Congressional Self-Interest Should Be A Factor



But the larger issue, and the one in which the enlightened self-interest of all members of Congress should kick in, is the reclassification of broadband services. Again, the concept is fairly simple. Until 2005, the FCC had jurisdiction over the telecommunications connection that connected people to the Internet. The Bush-era FCC "reclassified" that service from one with explicit authority to gray areas -- without any outside huffing and puffing that it should be a congressional decision that such a thing be done.



Since then, the FCC has deregulated all but the most basic voice-line services and removed any requirements that may help consumers. This shaky structure survived until April 6 this year, when the U.S. Appeals Court for the District of Columbia ruled that the FCC did not have authority over broadband services in the way the agency claimed it did.



After typically dithering around for a couple of months, the Commission proposed a compromise that would allow some regulatory authority but not the full slate of regulations. Typically, the industry and their congressional allies overreacted, starting the meme that the FCC wanted to "regulate the Internet" and that Congress had given the Commission no such authority.



That argument is total nonsense. No one is regulating the Internet. The FCC wants its jurisdiction back over broadband access. Members of Congress, particularly from rural districts, should want the FCC to have that authority. By denying the Commission that jurisdiction, representatives, particularly those from rural areas, are working against the interest of their constituents.



The Universal Service Fund, which provides financial support to rural phone companies, only is directed to help plain old dial-up service. If those members of Congress want their constituents to have the benefit of support for broadband, and to allow their constituents to participate in the broadband economy, then the FCC has to be able to make some changes, switching the support to broadband services. It can't do that unless it has the authority and jurisdiction.



Big telecom and cable companies and their ideological allies oppose reclassification. Interestingly, however, the Communications Workers of America, which sided with the industry opposing Net Neutrality, signed a letter endorsing reclassification.



If we needed any more evidence of how important broadband is to rural areas, a new study by the Strategic Networks Group for the e-North Carolina authority (e-NC) has some fascinating new statistics that show how crucial broadband is to the economy in general and to job-generating small business in particular. Some of the study's findings:



• Nearly one in five (18%) of new jobs were created as a direct result of Broadband Internet. Small businesses (less than 20 employees) are especially dependent on Broadband Internet as 28 percent of new jobs in that sector are attributed to using the Internet.
• More than half of all businesses (54%) said that they would not be in business if they did not have broadband while two in five (41%) would have to relocate if broadband was not available in their community;
• The number of households either currently running (31%) or planning to run a business from their home in the next twelve months (14%) is nearly half (45%) of North Carolina's broadband households;
• Even more broadband households are either now using (41%) or planning to use (24%) broadband to sell items online. That's nearly two-thirds (65%) of broadband households using it to at least supplement their income;
• Most (85%) of home-based businesses said that broadband was essential to their business.


The study also went into some detail about the problem of pockets of areas generally served with broadband that don't have it; how areas served with inferior broadband are at a competitive disadvantage, and lots of broadband service is really very slow and unhelpful.



The Authority the FCC Should Cede



Over the past few months, Genachowski has shown a willingness to cede his agency's authority to Congress. He wouldn't act on Net Neutrality or reclassification, wishing instead that a last-ditch effort by current House Commerce Committee Chairman Henry Waxman (D-CA) to negotiate a Net Neutrality bill might come to fruition. It was a gallant effort, but the House Republicans killed it.



Genachowski sat out the blackouts of millions of TV viewers from favorite channels, including the most recent fight between Fox and Cablevision, which blacked out three million people in the New York City area and Philadelphia. He said the FCC doesn't have the tools to intervene. He declined to take any action on a petition for rulemaking filed by Public Knowledge and others to reform the retrans system, based on the part of the law that gives the FCC authority to "enact regulations as necessary" to carry out the law that gave broadcasters the right to exact payments from cable companies. Instead, he wants Congress to work out the problem.



So far, the one area in which Genachowski has not conceded congressional authority is the one he should -- universal service reform. Holding up USF reform until the agency's authority over broadband is clear will force those members of Congress who care more about their constituents' welfare than silly Tea Party talking points to take the Commission's authority seriously. If members of Congress don't give the FCC the authority it needs, the areas they represent suffer.



We shall wait for Congress to act (or for the FCC to act, for that matter) on these crucial issues as we wait for Godot.






Christian Arno is founder of Lingo24, a global translation company specializing in website localization and optimization. Christian has more than nine years experience working with some of the world’s biggest global brands. Additional research and writing by Paul Sawers from Lingo24.

All signs point toward an increasingly multilingual future for the web. It’s estimated that over a billion people will be using PCs in the so-called BRIC countries alone by 2015, and the opportunity is even greater when you factor more people accessing the web using mobile devices than computers in many emerging markets. It’s time businesses of all sizes embraced the foreign language class='blippr-nobr'>Internetclass="blippr-nobr">Internet.

Foreign Languages on the Web

A truly global web must represent the languages of its users. And with growth in usage of the web in foreign languages outstripping English, businesses are playing catch-up with their potential customers. They’re rapidly trying to get as multi-lingual and diverse as their current and prospective client base.

In the last ten years, the use of Arabic online has increased by over 2500%, while Chinese and Spanish rose twelve and seven-fold respectively. And English? It didn’t even triple.

Today, 42% of all Internet users are in Asia, while almost a quarter are in Europe and just over 10% are in Latin America. These stats shouldn’t sway businesses towards targeting one region over another, though — Latin American countries account for over 200 million people on the web.

However, the vast majority of all online searches are in a language other than English. English is losing its online market share rapidly, which is no bad thing for businesses that recognize and embrace the opportunities on the foreign language Internet.

Optimizing the Non-English Web

The rise of the foreign language Internet doesn’t change the fact English leads the world in terms of volume and depth of content. Whether your industry is car insurance, web design or musical instruments, achieving top rankings for your English-language website for lucrative search terms is getting ever more difficult. The English-language web is saturated and competition for key search terms is tough, which makes increasing your online visibility tough too.

Conversely, the saturation of key search terms on non-English language websites hasn’t reached anywhere near the level of the English-language web. This means that businesses can attain high — and lucrative — positions on search engines far easier on the foreign language Internet.

This also means that it costs less for businesses to achieve prominence on the foreign language web. So the return on your internet marketing investment in Brazil, Russia, India, China — whatever your target market — should be greater than in English-speaking markets.

And the successful web marketer’s advantage when tackling the foreign language Internet is that you already know the essentials to achieve prominence online. You’ve proved this in the web’s toughest language market: English.

Chitika Research found that the difference between first and second place on Googleclass="blippr-nobr">Google is significant. In fact, a number one spot on Google attracts nearly double the traffic as the number two spot, and about the same amount of traffic as the second through fifth spots combined. For marketers, you’re several times more likely to hit top spot if you escape English-language levels of competition and target almost any other language market.

Going Local

Doesn’t everyone speak English? Although many non-natives of English do, studies have shown consumers are up to five times more likely to buy from a website with content in their native language.

It stands to reason that consumers would rather search for products and services in their own language. Even if a consumer does speak English as a second language, a report by Common Sense Advisory found that 85% of online shoppers required information in their own language before parting with their hard-earned cash.

So to really make the most of the foreign language Internet, you need search engine optimized localization — a hybrid somewhere between what an Internet marketing company and a translation service provider might offer.

Localization involves addressing the cultural and linguistic needs of each of your target countries. When it comes to search, this includes addressing different local search habits. It’s more complicated than simply translating the search terms that work for you in English. In Italy, for example, one of the top terms for low cost airlines is actually half English, half Italian (“voli low cost”). As British and Irish airlines pioneered low cost travel in Europe, it seems their language infiltrated the Italian psyche and made this hybrid term lucrative. Brands really need local knowledge if they’re to take advantage of commercial opportunities like this.

A 2007 paper by the Localization Industry Standards Association (LISA) reported that $25 dollars was returned for every $1 invested in localization. And with e-commerce set to grow by over 10% (CAGR) in Western Europe alone over the next five years, and much faster in so-called emerging markets, businesses should be gearing up for the surge in Internet spending.

Search and Social

Google’s search algorithm uses many aspects of online activity to determine how highly a website is ranked for a given term. Social media is becoming an increasingly important factor. What does this mean for the multi-lingual digital marketer?

The number of tweets a piece of your content receives and the reputation of those tweeters is important. The same goes for “Likes” on Facebookclass="blippr-nobr">Facebook or “Diggs” on Diggclass="blippr-nobr">Digg. From a foreign language perspective, increased use of social media around the world creates another opportunity to communicate with customers and a way to improve search rankings at the same time.

According to comScore, Latin American tweets are up over 300% between June 2009 and June 2010, followed by 243% in the Asia Pacific region, 142% in the Middle East and Africa, and 106% in Europe. By comparison, North America only increased by 22%.

So the “rest of the world” is actually leading the Twitterclass="blippr-nobr">Twitter revolution. Big, global companies have already taken action. Sony supports twenty international Twitter feeds, while Microsoft, Cisco and PricewaterhouseCoopers all offer Twitter feeds in ten or more languages.

Of course, to succeed locally with social media depends on the prominence of your local websites. A consumer is far more likely to follow your Twitter feed in French if they find it on your French language website. Developing global social media strategies and fully SEO’d localized websites should all form part of the same grand globalization plan.

This plan should also factor what social media platforms are popular locally. According to Comscore, Russia is the biggest country for engaging with social media overall, with Yandex the number one platform. Facebook isn’t even in the top ten most popular websites in Russia. And while Brazil is big on Twitter (alongside Indonesia), Orkutclass="blippr-nobr">Orkut rules the roost there as the mainstream go-to social network.

Similar patterns emerge across the world. Just because one social network leads your home market, this may not be the case in your target market.

Putting the “World” in “World Wide Web”

May 2010 saw a major development for the foreign language Internet — something that will make the web itself more localized. ICANN, the Internet regulator, enabled full URLs in non-Latin scripts. This includes the country code, which means that Arabic and Chinese characters can be used in web addresses.

This is another clear sign that the web is becoming less English-centric. Businesses that have thus far tackled only English-speaking markets online — with perhaps German, French or Spanish thrown in to help support their single biggest international markets — must cater to a more diverse user base.

The foreign language Internet is the low-cost gateway to global success. With online populations growing at a frenetic pace in the non-English speaking world, businesses need to plan how they’ll keep up. Consumers and businesses in the fastest growing markets of the world -– online and offline -– want to talk to you in their languages. And their languages are usually anything but English.

More Business Resources from Mashable:

- 5 Tips for Marketing Online to an International Audience/> - 5 Tips for Developing a Global-Friendly Website/> - HOW TO: Build Your International Business Network Online/> - 6 Free Web Tools for Managing Time Differences/> - 15 Mobile Translation Apps for the International Businessperson

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, zennie

For more Business coverage:

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

bench craft company scam

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Small Business <b>News</b>: Entrepreneurs and The Economy

Entrepreneurs and small businesses are important to economic recovery. This we hear on the news regularly. But it is also important that entrepreneurial efforts.

NPD: Big debuts for Fallout, NBA 2K11 <b>News</b> - Page 1 | Eurogamer.net

Read our news of NPD: Big debuts for Fallout, NBA 2K11.


benchcraft company scam


After all the shouting has died down, after the House elects its Republican leaders and after the Senate sorts itself out, the reality is that policy in the telecom sector will likely remain where it has been for the past two years -- in state of suspended animation. That's a shame, because the people who can most benefit by some reasonable and common-sense changes may not have the opportunity to do so.



The two issues at the top of the list are Net Neutrality and the wonky-sounding "reclassification" of broadband services. Net Neutrality is the simple concept that those who control the telecommunications networks shouldn't be able to play favorites with the content that is transmitted over those networks. It's an old concept, as Prof. Tim Wu pointed out in his book, Master Switch: The Rise and Fall of Information Empires. The simple, fair idea is that everyone online should have the same ability to make his or her voice or service known to the rest of the world.



President Obama campaigned in part on restoring an Open Internet. Julius Genachowski, his chairman of the Federal Communications Commission (FCC) hasn't delivered, and probably won't. As his pattern of activity has developed, Genachowski has ducked the major issues to which the big telecommunications companies, aided by the congressional Democratic Blue Bells and by all congressional Republicans, have objected. He has the votes of the other two Democratic FCC commissioners, but that's not enough for him.



As a result, Genachowski has taken the pressure off of Congress to do anything to ensure an Open Internet, in which everyone, not simply the big phone and cable companies, can benefit. (The fact that 95 Democrats who signed a Net Neutrality pledge lost on Tuesday is irrelevant. They would have lost anyway in the GOP landslide.)



As with any issue when the battles are controlled by big companies, it's the small ones who get overlooked and/or crushed. In a recent blog post, Kevin Warhus, marketing manager for the Scottsdale, Ariz., digital marketing company StringCan Interactive, wrote about the link between a neutral Internet and what he sees as Web 3.0, which seeks to personalize the Web experience for consumers. Warhus is particularly concerned about telecom control over the mobile Web and the effect on small businesses his company helps to support. He wrote:



As we evolve into the age Web 3.0 in which our information, likes and dislikes, and online habits help create a personalized web experience, Net Neutrality stands as an important stepping stone to ensure the proper development of Internet interaction and the protections of our freedoms.

"Allowing a handful of powerful corporations to decide what websites and information we should be able to access defeats the purpose of this open source frontier. The Internet has always stood as an environment where anyone can make a website or blog and receive equal opportunities to be heard and to grow. By taking away those rights we are essentially handing over our freedoms and going against the foundational values that make The Internet what it is today and what it may or may not be tomorrow.



Congressional Self-Interest Should Be A Factor



But the larger issue, and the one in which the enlightened self-interest of all members of Congress should kick in, is the reclassification of broadband services. Again, the concept is fairly simple. Until 2005, the FCC had jurisdiction over the telecommunications connection that connected people to the Internet. The Bush-era FCC "reclassified" that service from one with explicit authority to gray areas -- without any outside huffing and puffing that it should be a congressional decision that such a thing be done.



Since then, the FCC has deregulated all but the most basic voice-line services and removed any requirements that may help consumers. This shaky structure survived until April 6 this year, when the U.S. Appeals Court for the District of Columbia ruled that the FCC did not have authority over broadband services in the way the agency claimed it did.



After typically dithering around for a couple of months, the Commission proposed a compromise that would allow some regulatory authority but not the full slate of regulations. Typically, the industry and their congressional allies overreacted, starting the meme that the FCC wanted to "regulate the Internet" and that Congress had given the Commission no such authority.



That argument is total nonsense. No one is regulating the Internet. The FCC wants its jurisdiction back over broadband access. Members of Congress, particularly from rural districts, should want the FCC to have that authority. By denying the Commission that jurisdiction, representatives, particularly those from rural areas, are working against the interest of their constituents.



The Universal Service Fund, which provides financial support to rural phone companies, only is directed to help plain old dial-up service. If those members of Congress want their constituents to have the benefit of support for broadband, and to allow their constituents to participate in the broadband economy, then the FCC has to be able to make some changes, switching the support to broadband services. It can't do that unless it has the authority and jurisdiction.



Big telecom and cable companies and their ideological allies oppose reclassification. Interestingly, however, the Communications Workers of America, which sided with the industry opposing Net Neutrality, signed a letter endorsing reclassification.



If we needed any more evidence of how important broadband is to rural areas, a new study by the Strategic Networks Group for the e-North Carolina authority (e-NC) has some fascinating new statistics that show how crucial broadband is to the economy in general and to job-generating small business in particular. Some of the study's findings:



• Nearly one in five (18%) of new jobs were created as a direct result of Broadband Internet. Small businesses (less than 20 employees) are especially dependent on Broadband Internet as 28 percent of new jobs in that sector are attributed to using the Internet.
• More than half of all businesses (54%) said that they would not be in business if they did not have broadband while two in five (41%) would have to relocate if broadband was not available in their community;
• The number of households either currently running (31%) or planning to run a business from their home in the next twelve months (14%) is nearly half (45%) of North Carolina's broadband households;
• Even more broadband households are either now using (41%) or planning to use (24%) broadband to sell items online. That's nearly two-thirds (65%) of broadband households using it to at least supplement their income;
• Most (85%) of home-based businesses said that broadband was essential to their business.


The study also went into some detail about the problem of pockets of areas generally served with broadband that don't have it; how areas served with inferior broadband are at a competitive disadvantage, and lots of broadband service is really very slow and unhelpful.



The Authority the FCC Should Cede



Over the past few months, Genachowski has shown a willingness to cede his agency's authority to Congress. He wouldn't act on Net Neutrality or reclassification, wishing instead that a last-ditch effort by current House Commerce Committee Chairman Henry Waxman (D-CA) to negotiate a Net Neutrality bill might come to fruition. It was a gallant effort, but the House Republicans killed it.



Genachowski sat out the blackouts of millions of TV viewers from favorite channels, including the most recent fight between Fox and Cablevision, which blacked out three million people in the New York City area and Philadelphia. He said the FCC doesn't have the tools to intervene. He declined to take any action on a petition for rulemaking filed by Public Knowledge and others to reform the retrans system, based on the part of the law that gives the FCC authority to "enact regulations as necessary" to carry out the law that gave broadcasters the right to exact payments from cable companies. Instead, he wants Congress to work out the problem.



So far, the one area in which Genachowski has not conceded congressional authority is the one he should -- universal service reform. Holding up USF reform until the agency's authority over broadband is clear will force those members of Congress who care more about their constituents' welfare than silly Tea Party talking points to take the Commission's authority seriously. If members of Congress don't give the FCC the authority it needs, the areas they represent suffer.



We shall wait for Congress to act (or for the FCC to act, for that matter) on these crucial issues as we wait for Godot.






Christian Arno is founder of Lingo24, a global translation company specializing in website localization and optimization. Christian has more than nine years experience working with some of the world’s biggest global brands. Additional research and writing by Paul Sawers from Lingo24.

All signs point toward an increasingly multilingual future for the web. It’s estimated that over a billion people will be using PCs in the so-called BRIC countries alone by 2015, and the opportunity is even greater when you factor more people accessing the web using mobile devices than computers in many emerging markets. It’s time businesses of all sizes embraced the foreign language class='blippr-nobr'>Internetclass="blippr-nobr">Internet.

Foreign Languages on the Web

A truly global web must represent the languages of its users. And with growth in usage of the web in foreign languages outstripping English, businesses are playing catch-up with their potential customers. They’re rapidly trying to get as multi-lingual and diverse as their current and prospective client base.

In the last ten years, the use of Arabic online has increased by over 2500%, while Chinese and Spanish rose twelve and seven-fold respectively. And English? It didn’t even triple.

Today, 42% of all Internet users are in Asia, while almost a quarter are in Europe and just over 10% are in Latin America. These stats shouldn’t sway businesses towards targeting one region over another, though — Latin American countries account for over 200 million people on the web.

However, the vast majority of all online searches are in a language other than English. English is losing its online market share rapidly, which is no bad thing for businesses that recognize and embrace the opportunities on the foreign language Internet.

Optimizing the Non-English Web

The rise of the foreign language Internet doesn’t change the fact English leads the world in terms of volume and depth of content. Whether your industry is car insurance, web design or musical instruments, achieving top rankings for your English-language website for lucrative search terms is getting ever more difficult. The English-language web is saturated and competition for key search terms is tough, which makes increasing your online visibility tough too.

Conversely, the saturation of key search terms on non-English language websites hasn’t reached anywhere near the level of the English-language web. This means that businesses can attain high — and lucrative — positions on search engines far easier on the foreign language Internet.

This also means that it costs less for businesses to achieve prominence on the foreign language web. So the return on your internet marketing investment in Brazil, Russia, India, China — whatever your target market — should be greater than in English-speaking markets.

And the successful web marketer’s advantage when tackling the foreign language Internet is that you already know the essentials to achieve prominence online. You’ve proved this in the web’s toughest language market: English.

Chitika Research found that the difference between first and second place on Googleclass="blippr-nobr">Google is significant. In fact, a number one spot on Google attracts nearly double the traffic as the number two spot, and about the same amount of traffic as the second through fifth spots combined. For marketers, you’re several times more likely to hit top spot if you escape English-language levels of competition and target almost any other language market.

Going Local

Doesn’t everyone speak English? Although many non-natives of English do, studies have shown consumers are up to five times more likely to buy from a website with content in their native language.

It stands to reason that consumers would rather search for products and services in their own language. Even if a consumer does speak English as a second language, a report by Common Sense Advisory found that 85% of online shoppers required information in their own language before parting with their hard-earned cash.

So to really make the most of the foreign language Internet, you need search engine optimized localization — a hybrid somewhere between what an Internet marketing company and a translation service provider might offer.

Localization involves addressing the cultural and linguistic needs of each of your target countries. When it comes to search, this includes addressing different local search habits. It’s more complicated than simply translating the search terms that work for you in English. In Italy, for example, one of the top terms for low cost airlines is actually half English, half Italian (“voli low cost”). As British and Irish airlines pioneered low cost travel in Europe, it seems their language infiltrated the Italian psyche and made this hybrid term lucrative. Brands really need local knowledge if they’re to take advantage of commercial opportunities like this.

A 2007 paper by the Localization Industry Standards Association (LISA) reported that $25 dollars was returned for every $1 invested in localization. And with e-commerce set to grow by over 10% (CAGR) in Western Europe alone over the next five years, and much faster in so-called emerging markets, businesses should be gearing up for the surge in Internet spending.

Search and Social

Google’s search algorithm uses many aspects of online activity to determine how highly a website is ranked for a given term. Social media is becoming an increasingly important factor. What does this mean for the multi-lingual digital marketer?

The number of tweets a piece of your content receives and the reputation of those tweeters is important. The same goes for “Likes” on Facebookclass="blippr-nobr">Facebook or “Diggs” on Diggclass="blippr-nobr">Digg. From a foreign language perspective, increased use of social media around the world creates another opportunity to communicate with customers and a way to improve search rankings at the same time.

According to comScore, Latin American tweets are up over 300% between June 2009 and June 2010, followed by 243% in the Asia Pacific region, 142% in the Middle East and Africa, and 106% in Europe. By comparison, North America only increased by 22%.

So the “rest of the world” is actually leading the Twitterclass="blippr-nobr">Twitter revolution. Big, global companies have already taken action. Sony supports twenty international Twitter feeds, while Microsoft, Cisco and PricewaterhouseCoopers all offer Twitter feeds in ten or more languages.

Of course, to succeed locally with social media depends on the prominence of your local websites. A consumer is far more likely to follow your Twitter feed in French if they find it on your French language website. Developing global social media strategies and fully SEO’d localized websites should all form part of the same grand globalization plan.

This plan should also factor what social media platforms are popular locally. According to Comscore, Russia is the biggest country for engaging with social media overall, with Yandex the number one platform. Facebook isn’t even in the top ten most popular websites in Russia. And while Brazil is big on Twitter (alongside Indonesia), Orkutclass="blippr-nobr">Orkut rules the roost there as the mainstream go-to social network.

Similar patterns emerge across the world. Just because one social network leads your home market, this may not be the case in your target market.

Putting the “World” in “World Wide Web”

May 2010 saw a major development for the foreign language Internet — something that will make the web itself more localized. ICANN, the Internet regulator, enabled full URLs in non-Latin scripts. This includes the country code, which means that Arabic and Chinese characters can be used in web addresses.

This is another clear sign that the web is becoming less English-centric. Businesses that have thus far tackled only English-speaking markets online — with perhaps German, French or Spanish thrown in to help support their single biggest international markets — must cater to a more diverse user base.

The foreign language Internet is the low-cost gateway to global success. With online populations growing at a frenetic pace in the non-English speaking world, businesses need to plan how they’ll keep up. Consumers and businesses in the fastest growing markets of the world -– online and offline -– want to talk to you in their languages. And their languages are usually anything but English.

More Business Resources from Mashable:

- 5 Tips for Marketing Online to an International Audience/> - 5 Tips for Developing a Global-Friendly Website/> - HOW TO: Build Your International Business Network Online/> - 6 Free Web Tools for Managing Time Differences/> - 15 Mobile Translation Apps for the International Businessperson

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, zennie

For more Business coverage:

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

benchcraft company scam

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Small Business <b>News</b>: Entrepreneurs and The Economy

Entrepreneurs and small businesses are important to economic recovery. This we hear on the news regularly. But it is also important that entrepreneurial efforts.

NPD: Big debuts for Fallout, NBA 2K11 <b>News</b> - Page 1 | Eurogamer.net

Read our news of NPD: Big debuts for Fallout, NBA 2K11.


benchcraft company scam

benchcraft company scam

Surf The Web Designs by SurfTheWebDesigns


bench craft company scam

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Small Business <b>News</b>: Entrepreneurs and The Economy

Entrepreneurs and small businesses are important to economic recovery. This we hear on the news regularly. But it is also important that entrepreneurial efforts.

NPD: Big debuts for Fallout, NBA 2K11 <b>News</b> - Page 1 | Eurogamer.net

Read our news of NPD: Big debuts for Fallout, NBA 2K11.


benchcraft company scam


After all the shouting has died down, after the House elects its Republican leaders and after the Senate sorts itself out, the reality is that policy in the telecom sector will likely remain where it has been for the past two years -- in state of suspended animation. That's a shame, because the people who can most benefit by some reasonable and common-sense changes may not have the opportunity to do so.



The two issues at the top of the list are Net Neutrality and the wonky-sounding "reclassification" of broadband services. Net Neutrality is the simple concept that those who control the telecommunications networks shouldn't be able to play favorites with the content that is transmitted over those networks. It's an old concept, as Prof. Tim Wu pointed out in his book, Master Switch: The Rise and Fall of Information Empires. The simple, fair idea is that everyone online should have the same ability to make his or her voice or service known to the rest of the world.



President Obama campaigned in part on restoring an Open Internet. Julius Genachowski, his chairman of the Federal Communications Commission (FCC) hasn't delivered, and probably won't. As his pattern of activity has developed, Genachowski has ducked the major issues to which the big telecommunications companies, aided by the congressional Democratic Blue Bells and by all congressional Republicans, have objected. He has the votes of the other two Democratic FCC commissioners, but that's not enough for him.



As a result, Genachowski has taken the pressure off of Congress to do anything to ensure an Open Internet, in which everyone, not simply the big phone and cable companies, can benefit. (The fact that 95 Democrats who signed a Net Neutrality pledge lost on Tuesday is irrelevant. They would have lost anyway in the GOP landslide.)



As with any issue when the battles are controlled by big companies, it's the small ones who get overlooked and/or crushed. In a recent blog post, Kevin Warhus, marketing manager for the Scottsdale, Ariz., digital marketing company StringCan Interactive, wrote about the link between a neutral Internet and what he sees as Web 3.0, which seeks to personalize the Web experience for consumers. Warhus is particularly concerned about telecom control over the mobile Web and the effect on small businesses his company helps to support. He wrote:



As we evolve into the age Web 3.0 in which our information, likes and dislikes, and online habits help create a personalized web experience, Net Neutrality stands as an important stepping stone to ensure the proper development of Internet interaction and the protections of our freedoms.

"Allowing a handful of powerful corporations to decide what websites and information we should be able to access defeats the purpose of this open source frontier. The Internet has always stood as an environment where anyone can make a website or blog and receive equal opportunities to be heard and to grow. By taking away those rights we are essentially handing over our freedoms and going against the foundational values that make The Internet what it is today and what it may or may not be tomorrow.



Congressional Self-Interest Should Be A Factor



But the larger issue, and the one in which the enlightened self-interest of all members of Congress should kick in, is the reclassification of broadband services. Again, the concept is fairly simple. Until 2005, the FCC had jurisdiction over the telecommunications connection that connected people to the Internet. The Bush-era FCC "reclassified" that service from one with explicit authority to gray areas -- without any outside huffing and puffing that it should be a congressional decision that such a thing be done.



Since then, the FCC has deregulated all but the most basic voice-line services and removed any requirements that may help consumers. This shaky structure survived until April 6 this year, when the U.S. Appeals Court for the District of Columbia ruled that the FCC did not have authority over broadband services in the way the agency claimed it did.



After typically dithering around for a couple of months, the Commission proposed a compromise that would allow some regulatory authority but not the full slate of regulations. Typically, the industry and their congressional allies overreacted, starting the meme that the FCC wanted to "regulate the Internet" and that Congress had given the Commission no such authority.



That argument is total nonsense. No one is regulating the Internet. The FCC wants its jurisdiction back over broadband access. Members of Congress, particularly from rural districts, should want the FCC to have that authority. By denying the Commission that jurisdiction, representatives, particularly those from rural areas, are working against the interest of their constituents.



The Universal Service Fund, which provides financial support to rural phone companies, only is directed to help plain old dial-up service. If those members of Congress want their constituents to have the benefit of support for broadband, and to allow their constituents to participate in the broadband economy, then the FCC has to be able to make some changes, switching the support to broadband services. It can't do that unless it has the authority and jurisdiction.



Big telecom and cable companies and their ideological allies oppose reclassification. Interestingly, however, the Communications Workers of America, which sided with the industry opposing Net Neutrality, signed a letter endorsing reclassification.



If we needed any more evidence of how important broadband is to rural areas, a new study by the Strategic Networks Group for the e-North Carolina authority (e-NC) has some fascinating new statistics that show how crucial broadband is to the economy in general and to job-generating small business in particular. Some of the study's findings:



• Nearly one in five (18%) of new jobs were created as a direct result of Broadband Internet. Small businesses (less than 20 employees) are especially dependent on Broadband Internet as 28 percent of new jobs in that sector are attributed to using the Internet.
• More than half of all businesses (54%) said that they would not be in business if they did not have broadband while two in five (41%) would have to relocate if broadband was not available in their community;
• The number of households either currently running (31%) or planning to run a business from their home in the next twelve months (14%) is nearly half (45%) of North Carolina's broadband households;
• Even more broadband households are either now using (41%) or planning to use (24%) broadband to sell items online. That's nearly two-thirds (65%) of broadband households using it to at least supplement their income;
• Most (85%) of home-based businesses said that broadband was essential to their business.


The study also went into some detail about the problem of pockets of areas generally served with broadband that don't have it; how areas served with inferior broadband are at a competitive disadvantage, and lots of broadband service is really very slow and unhelpful.



The Authority the FCC Should Cede



Over the past few months, Genachowski has shown a willingness to cede his agency's authority to Congress. He wouldn't act on Net Neutrality or reclassification, wishing instead that a last-ditch effort by current House Commerce Committee Chairman Henry Waxman (D-CA) to negotiate a Net Neutrality bill might come to fruition. It was a gallant effort, but the House Republicans killed it.



Genachowski sat out the blackouts of millions of TV viewers from favorite channels, including the most recent fight between Fox and Cablevision, which blacked out three million people in the New York City area and Philadelphia. He said the FCC doesn't have the tools to intervene. He declined to take any action on a petition for rulemaking filed by Public Knowledge and others to reform the retrans system, based on the part of the law that gives the FCC authority to "enact regulations as necessary" to carry out the law that gave broadcasters the right to exact payments from cable companies. Instead, he wants Congress to work out the problem.



So far, the one area in which Genachowski has not conceded congressional authority is the one he should -- universal service reform. Holding up USF reform until the agency's authority over broadband is clear will force those members of Congress who care more about their constituents' welfare than silly Tea Party talking points to take the Commission's authority seriously. If members of Congress don't give the FCC the authority it needs, the areas they represent suffer.



We shall wait for Congress to act (or for the FCC to act, for that matter) on these crucial issues as we wait for Godot.






Christian Arno is founder of Lingo24, a global translation company specializing in website localization and optimization. Christian has more than nine years experience working with some of the world’s biggest global brands. Additional research and writing by Paul Sawers from Lingo24.

All signs point toward an increasingly multilingual future for the web. It’s estimated that over a billion people will be using PCs in the so-called BRIC countries alone by 2015, and the opportunity is even greater when you factor more people accessing the web using mobile devices than computers in many emerging markets. It’s time businesses of all sizes embraced the foreign language class='blippr-nobr'>Internetclass="blippr-nobr">Internet.

Foreign Languages on the Web

A truly global web must represent the languages of its users. And with growth in usage of the web in foreign languages outstripping English, businesses are playing catch-up with their potential customers. They’re rapidly trying to get as multi-lingual and diverse as their current and prospective client base.

In the last ten years, the use of Arabic online has increased by over 2500%, while Chinese and Spanish rose twelve and seven-fold respectively. And English? It didn’t even triple.

Today, 42% of all Internet users are in Asia, while almost a quarter are in Europe and just over 10% are in Latin America. These stats shouldn’t sway businesses towards targeting one region over another, though — Latin American countries account for over 200 million people on the web.

However, the vast majority of all online searches are in a language other than English. English is losing its online market share rapidly, which is no bad thing for businesses that recognize and embrace the opportunities on the foreign language Internet.

Optimizing the Non-English Web

The rise of the foreign language Internet doesn’t change the fact English leads the world in terms of volume and depth of content. Whether your industry is car insurance, web design or musical instruments, achieving top rankings for your English-language website for lucrative search terms is getting ever more difficult. The English-language web is saturated and competition for key search terms is tough, which makes increasing your online visibility tough too.

Conversely, the saturation of key search terms on non-English language websites hasn’t reached anywhere near the level of the English-language web. This means that businesses can attain high — and lucrative — positions on search engines far easier on the foreign language Internet.

This also means that it costs less for businesses to achieve prominence on the foreign language web. So the return on your internet marketing investment in Brazil, Russia, India, China — whatever your target market — should be greater than in English-speaking markets.

And the successful web marketer’s advantage when tackling the foreign language Internet is that you already know the essentials to achieve prominence online. You’ve proved this in the web’s toughest language market: English.

Chitika Research found that the difference between first and second place on Googleclass="blippr-nobr">Google is significant. In fact, a number one spot on Google attracts nearly double the traffic as the number two spot, and about the same amount of traffic as the second through fifth spots combined. For marketers, you’re several times more likely to hit top spot if you escape English-language levels of competition and target almost any other language market.

Going Local

Doesn’t everyone speak English? Although many non-natives of English do, studies have shown consumers are up to five times more likely to buy from a website with content in their native language.

It stands to reason that consumers would rather search for products and services in their own language. Even if a consumer does speak English as a second language, a report by Common Sense Advisory found that 85% of online shoppers required information in their own language before parting with their hard-earned cash.

So to really make the most of the foreign language Internet, you need search engine optimized localization — a hybrid somewhere between what an Internet marketing company and a translation service provider might offer.

Localization involves addressing the cultural and linguistic needs of each of your target countries. When it comes to search, this includes addressing different local search habits. It’s more complicated than simply translating the search terms that work for you in English. In Italy, for example, one of the top terms for low cost airlines is actually half English, half Italian (“voli low cost”). As British and Irish airlines pioneered low cost travel in Europe, it seems their language infiltrated the Italian psyche and made this hybrid term lucrative. Brands really need local knowledge if they’re to take advantage of commercial opportunities like this.

A 2007 paper by the Localization Industry Standards Association (LISA) reported that $25 dollars was returned for every $1 invested in localization. And with e-commerce set to grow by over 10% (CAGR) in Western Europe alone over the next five years, and much faster in so-called emerging markets, businesses should be gearing up for the surge in Internet spending.

Search and Social

Google’s search algorithm uses many aspects of online activity to determine how highly a website is ranked for a given term. Social media is becoming an increasingly important factor. What does this mean for the multi-lingual digital marketer?

The number of tweets a piece of your content receives and the reputation of those tweeters is important. The same goes for “Likes” on Facebookclass="blippr-nobr">Facebook or “Diggs” on Diggclass="blippr-nobr">Digg. From a foreign language perspective, increased use of social media around the world creates another opportunity to communicate with customers and a way to improve search rankings at the same time.

According to comScore, Latin American tweets are up over 300% between June 2009 and June 2010, followed by 243% in the Asia Pacific region, 142% in the Middle East and Africa, and 106% in Europe. By comparison, North America only increased by 22%.

So the “rest of the world” is actually leading the Twitterclass="blippr-nobr">Twitter revolution. Big, global companies have already taken action. Sony supports twenty international Twitter feeds, while Microsoft, Cisco and PricewaterhouseCoopers all offer Twitter feeds in ten or more languages.

Of course, to succeed locally with social media depends on the prominence of your local websites. A consumer is far more likely to follow your Twitter feed in French if they find it on your French language website. Developing global social media strategies and fully SEO’d localized websites should all form part of the same grand globalization plan.

This plan should also factor what social media platforms are popular locally. According to Comscore, Russia is the biggest country for engaging with social media overall, with Yandex the number one platform. Facebook isn’t even in the top ten most popular websites in Russia. And while Brazil is big on Twitter (alongside Indonesia), Orkutclass="blippr-nobr">Orkut rules the roost there as the mainstream go-to social network.

Similar patterns emerge across the world. Just because one social network leads your home market, this may not be the case in your target market.

Putting the “World” in “World Wide Web”

May 2010 saw a major development for the foreign language Internet — something that will make the web itself more localized. ICANN, the Internet regulator, enabled full URLs in non-Latin scripts. This includes the country code, which means that Arabic and Chinese characters can be used in web addresses.

This is another clear sign that the web is becoming less English-centric. Businesses that have thus far tackled only English-speaking markets online — with perhaps German, French or Spanish thrown in to help support their single biggest international markets — must cater to a more diverse user base.

The foreign language Internet is the low-cost gateway to global success. With online populations growing at a frenetic pace in the non-English speaking world, businesses need to plan how they’ll keep up. Consumers and businesses in the fastest growing markets of the world -– online and offline -– want to talk to you in their languages. And their languages are usually anything but English.

More Business Resources from Mashable:

- 5 Tips for Marketing Online to an International Audience/> - 5 Tips for Developing a Global-Friendly Website/> - HOW TO: Build Your International Business Network Online/> - 6 Free Web Tools for Managing Time Differences/> - 15 Mobile Translation Apps for the International Businessperson

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, zennie

For more Business coverage:

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

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Surf The Web Designs by SurfTheWebDesigns


benchcraft company scam

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Small Business <b>News</b>: Entrepreneurs and The Economy

Entrepreneurs and small businesses are important to economic recovery. This we hear on the news regularly. But it is also important that entrepreneurial efforts.

NPD: Big debuts for Fallout, NBA 2K11 <b>News</b> - Page 1 | Eurogamer.net

Read our news of NPD: Big debuts for Fallout, NBA 2K11.


bench craft company scam

Surf The Web Designs by SurfTheWebDesigns


bench craft company scam

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Small Business <b>News</b>: Entrepreneurs and The Economy

Entrepreneurs and small businesses are important to economic recovery. This we hear on the news regularly. But it is also important that entrepreneurial efforts.

NPD: Big debuts for Fallout, NBA 2K11 <b>News</b> - Page 1 | Eurogamer.net

Read our news of NPD: Big debuts for Fallout, NBA 2K11.


bench craft company scam

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Small Business <b>News</b>: Entrepreneurs and The Economy

Entrepreneurs and small businesses are important to economic recovery. This we hear on the news regularly. But it is also important that entrepreneurial efforts.

NPD: Big debuts for Fallout, NBA 2K11 <b>News</b> - Page 1 | Eurogamer.net

Read our news of NPD: Big debuts for Fallout, NBA 2K11.


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Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

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Entrepreneurs and small businesses are important to economic recovery. This we hear on the news regularly. But it is also important that entrepreneurial efforts.

NPD: Big debuts for Fallout, NBA 2K11 <b>News</b> - Page 1 | Eurogamer.net

Read our news of NPD: Big debuts for Fallout, NBA 2K11.


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