Thursday, January 6, 2011

Making Money Without

Hell's Kitchen continues to be a highly desirable neighborhood for many New Yorkers, but living in the HeKi (our coinage&msash;you're welcome Corcoran) isn't without sacrifice. Local residents who don't have washer/dryers in their buildings are finding it increasingly annoying to get their laundry done! One of the neighborhood's last laundromats, on 53rd Street and Ninth Avenue, recently closed, leaving behind, the Post reports, "a mile-long, laundry-less desert between Eighth and Tenth Avenues." This heavy news comes on the heels of Second Wave Laundry, the largest Laundromat in the neighborhood on 55th Street and Ninth Avenue, closing because the landlord threatened to raise the rent from $14,000 to $20,000 a month and demanded an $80,000 security deposit.



Now Hell's Kitchen locals are throwing "champagne and laundry parties" in apartments with washing machines. Others simply do their laundry in the sink. For this very reason, Councilwoman Gale Brewer has introduced a resolution to give tax breaks to owner-operated city businesses. "This is the most basic challenge to the crisis of the lack of mom-and-pop stores in the city," says Brewer. "It's beyond frustrating." And Christine Gorman, president of the West 55th Block Association, tells the tabloid, "The Laundromats are fleeing our area. The services in our neighborhood are disappearing. There's rumors that the Laundromat is going to become a Citibank." At least that's welcome news for anybody in Hell's Kitchen who needs some money laundered.




The Middle East’s largest online auction and buying site has decided auctions are so last decade.


From the beginning of 2011 sellers won’t get the option to sell their products in an auction. It’s fixed price, or none at all.


The decision comes as a shock to many as Souq.com, which opened its doors to the public in 2005 and has since launched in 5 countries in the region, has always been portrayed as the eBay of the Middle East. At least in terms of online auctions, not anymore.


“We (and most of our sellers) want to offer the best online shopping experience to users in the region, and this is one step along the way to support this goal.” said CEO and Founder of Souq.com Ronaldo Mouchawar in an email about the recent shift.


This change, as most in life, will have its supporters and detractors. The good thing is, it looks like a only slim minority might end up annoyed.


To illustrate the above, lets say you’re a painter and you work from home during your spare time. I’m one of those who believe art has no price, but since it’s good to have paint to create priceless masterpieces, putting the occasional price tag on your work isn’t entirely evil. The only problem with that is how do you put a price tag on art in the first place? Van Gough considered giving money for art is as important as being an artist yourself. That’s where auctions come in strong.


By putting up a painting to sell through an auction, the seller allows the highest bidder to give her as much it takes to win the auction, or otherwise ask to ‘Buy Now’ according to a price the seller sets. Will this shift be good for those who realistically don’t know how much their work is worth? I would say no.


On the flip-side regional retail stores tend to invest large amounts of money to put their products online on their own, and usually fail miserably. Many factors come into play, but the most obvious are a large user base and an easy to use website to buy from.


This encouraged Souq.com to build a platform for merchants and retail stores to offer their products on Souq through fixed prices (almost all the time), and through Souq Stores which are customizable online outlets for retailers such as UAE’s 
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Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

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This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


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Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

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Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


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Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


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Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


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Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


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surface encounters rock tops

Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


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Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


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Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

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Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


surface encounters michigan
surface encounters rock tops

Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

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Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


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surface encounters

Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


surface encounters michigan
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Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


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Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


surface encounters
surface encounters rock tops

Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


surface encounters macomb
surface encounters macomb

Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


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Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


surface encounters
surface encounters

Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


surface encounters michigan
surface encounters macomb mi

Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


surface encounters rock tops
surface encounters macomb

Star Wars Complete Saga Blu-ray <b>news</b>: release in October, 30 hours <b>...</b>

This might not be the 'most impressive' Star Wars announcement you were looking for. Not that it's a bad thing the complete saga will be.

Olympus E-PL2 announced and previewed: Digital Photography Review

Olympus E-PL2 announced and previewed: Pre-CES 2011: Olympus has announced the Micro Four Thirds PEN E-PL2. Sitting below the E-P2 in the company's PEN lineup, the E-PL2 boasts the same 12Mp sensor but adds a raft of improvements, ...

&#39;Friday Night Lights&#39;: The Bad <b>News</b> Lions - From Inside the Box <b>...</b>

Most of you likely won't be watching “Friday Night Lights” until the NBC run later in 2011, but for the dedicated few tuning into DirecTV, please join our swoony recapage of the series' final season.


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Wednesday, January 5, 2011

Being Right or Making Money


The UAW, not content with bankrupting GM and Chrysler once, want a repeat performance. And with Bob King at the helm, and apparently done campaigning for world peace and praying at the US capitol, they may yet get the double double. But first, it's time to put on the sheep's clothing and pretend to be rational. From the Detroit Free Press: UAW reveals ideas to try to level playing field. By 'leveling the playing field', what they mean is putting a thumb on the scale to tip the balance in their favor, but such is establishment media and their newspeak.

The document, called “UAW Principles for Fair Union Elections,” outlines 11 ideals that are designed to level the playing field between the UAW and an employer during a union campaign and election.



....The principles include an agreement that the ability to join a union is a “fundamental human right.”
But opting out from being forced to join the union is not. The document with the 11 principles can be found at this link, but just check out #2 for one:

Employees must be free to exercise the right to join a union or refrain from joining a union in an atmosphere free of fear, coercion,intimidation or threats. There is no free choice if a worker is afraid of losing a job or losing benefits as a result of his or her choice, or is intimidated into making a choice not of one’s own making.

This guest post is by Brandon Connell of brandonconnell.com


When I first started a blog that I took seriously, it was to promote an ebook that I had published on Amazon’s Digital Text platform. Initially, I wanted the blog to be my “author’s headquarters,” but soon after, I realized what I really wanted to do with my blog. It was far from my initial goal, and I wish I’d made the right decision from the beginning, rather than reversing course.


The problems


Changing your blogging type after you start the blog causes problems. Those problems include, but are not limited to:



  • losing readers and subscribers that had expectations

  • confusing the search engines due to content changes

  • wasting time marketing your blog on the wrong sites.


Readers walk


When you change your blog style or niche, it’s common sense that your readers will most likely walk. Think about it. They came to your blog because they came across some content that intrigued them. Now that you’ve decided to change your content, what reason do they have to stick around?


It’s important to choose your blog style ahead of time, and think about it carefully. You can literally waste hours of your time approaching the wrong reader audience. You can also end up being bad-mouthed by another blogger who’s angry with your switch.


Search engines get confused


It is a search engine’s job to make sure it indexes and ranks relevant content. Let’s say you start a blog about your golf hobby, but then you switch course, writing a stock tips business blog. Search engines may have already given you good rankings for golf. If you change your content, you’ll lose those rankings. You may even end up being penalized by the search engines.


When you first publish your blog, unless you’re blog hopping and guest posting, search engines are likely to be the first ones to read your content. Make sure they leave as happy customers. How? Be consistent. Your niche and blogging style should never change once you start.


You waste time


Should you have done your research on blog marketing, you’ll know that blog commenting and article marketing are excellent ways to promote your blog and build backlinks to it. If you change your style or niche, you have to consider the fact that you wasted all that time writing irrelevant articles that don’t match your newly chosen niche. The audiences for those article sites, backlinks, and guest posts will no longer be interested in what your blog has to say. When they click through to your site, they’ll be disappointed.


Another wasted effort would be the fact that you now have to delete your mailing list that you may have built up, since your subscribers didn’t sign up for information on your new topic. They subscribed because they had an interest in your previous topic.


Style vs. niche


Your blog style is not your niche: a blog style reflects your reasons for starting the blog in the first place:



  • Did you want to make money?

  • Did you want to influence a certain type of group?

  • Did you just want to blog about your interests?


When choosing a blogging style, you need to think about what you intentions may be in the long term. There are many bloggers who simply want to make money—they heard that blogging can make that happen for them. There are others who don’t believe or care about making money blogging: they simply want to write about what they love. The influential blogger is a writer who wishes to have his or her readers care about what s/he says, and take action because of what s/he said.


A niche, on the other hand, is a topic that you’re writing about. You can fit your blog into any niche using any of the three blogging styles I just mentioned. My niche topic is making money blogging, and I write regularly about this topic. You could say that this niche reflects my target keyword—the topic that I want to be known for.


As we saw with the golf and stocks example above, it’s important not to change your niche after you start blogging. Most of the time, your niche is connected to your style. When one changes, so does the other in most cases.


Let’s look more closely at these blogging styles.


The influential blogger


The influential type wants more than anything to have control over the actions that people take. We can take medical marijuana as an example niche in which the influential blogger style might be applied. This blogger will either want to oppose medical marijuana laws, or support them. Whichever route they choose, they want to be able to get people on board to support their cause. Their cause may be a call to action: for example, to contact a congressman with a specific message that will generate support for the blogger’s desired law.


Influential bloggers are usually heavyweights because they touch on sensitive topics that gain a lot of attraction. An influential blog doesn’t usually have a lot of advertising, and although the blogger may ask for donations to support their cause, that’s usually the extent of their money0making agenda. This does not make them a cash-seeking blogger.


The hobby blogger


I love the hobby blogger because they don’t care about anything other than sharing their passion with others. They care about what they do for fun, and they want you to have fun reading about it.


Hobby bloggers are quick to gain followers because they’re not concerned about advertising on their blog. They love the idea of publishing their articles and having like-minded people comment on them.


The cash blogger


I would say that I am a mix between a cash blogger and a hobby blogger. My entire niche and style is to teach others and make money doing it. I have done well in my style and niche, and I wouldn’t have it any other way. The reason why I consider it a hobby is because I love what I am writing about, and I love sharing it all with others. It just so happens that I make money doing it.


My niche isn’t a necessary one, and it’s flooded with new blogs every day. You can monetize a hobby blog in any niche. I would say that there are a lot of hobby bloggers who have unintentionally turned into cash bloggers too, just because they realized at some point that money can be made with their traffic. If you’re thinking “but that’s changing your blogging style!” you’re right … in part. It’s a sort of merging of the two, rather than a clear switch. There’s absolutely nothing wrong with that, and you shouldn’t feel like you’re selling out if you go down this path.


Which choice is right for you?


No matter what style or niche you choose, you need to take the decision seriously. The last thing you want to do is change course once you’ve made your decision. There are too many negative side-effects of changing your style halfway through the mission.


Look at your decision as a life choice. You wouldn’t just pick up and move from Chicago to Iceland, would you? The choice you make today will impact your life years down the road. Make sure it is a decision you can live with, and choose a style and niche that you love without a doubt.


How did you choose your blogging style and your blog niche?


Brandon Connell is a full-time blogger, web designer, and internet marketer in Illinois. Visit http://www.brandonconnell.com, where Brandon teaches you how to make money blogging.




no online reputation management

<b>News</b> Corp&#39;s Head Of Online Gaming Ditches for Facebook | The New <b>...</b>

The head of online gaming at News Corp is moving to Facebook after just half a year, reports Kara Swisher at All Things D.Sean Ryan, once acting CEO of LiveJournal, was recruited to build an online gaming division at News Corp.

<b>News</b> - Racing Post

MONET'S GARDEN the popular chasing veteran who took his third Old Roan Chase this season has been retired and is battling for his life due to an infection in his hoof.

Opinion: Can Oprah Help Restore Civility? - AOL <b>News</b>

Oprah began her new cable television network -- OWN -- at noon on New Year's Day, a network dedicated to the total and complete absence of mean-spiritedness.

Tuesday, January 4, 2011

foreclosure statistics


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

Sunshine and Stricken Suburbs

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

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

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

Small-Town Destitution

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

...statistics show that despite Countrywide's representations, a much higher percentage of borrowers did not occupy the mortgaged properties:

...Overall, 18.3% of the loans sampled had recalculated LTV ratios of more than 10% higher than was claimed in the offering materials, and 6% of the loans sampled had recalculated LTV ratios of more than 25% higher than what was claimed in the offering circular. This overvaluation affected numerous statistics in the Offering Materials...For instance, the Offerings each made representations about the percent
of loans that had LTVs higher than 90% provide the lender little value
cushion to protect against borrower default and loss upon foreclosure.
However, the AVM indicates that a much higher percentage of the loans
had LTVs higher than 90%
.

The Offerings uniformly represented that none of the Mortgage Loans that collateralized the Certificates had LTV ratios greater than 100 percent, meaning that the size of the loan is greater than the value of the property. (aka: being "underwater") Loans with over 100% LTV afford the lender no equity cushion and leave the lender with inadequate collateral from the outset of a loan. Allstate's analysis has found that, despite Countrywide's representations, a substantial number of Mortgage Loans had LTVs greater than 100%, as follows:

Allstate has also analyzed the weighted average LTV of the Mortgage Loans in each pool and has found that the weighted average LTV was also overstated, because of the overstatement of individual Mortgage Loans within the pools.

All these lies, and much, much more, can be found detailed in the filing below. At the risk of cheeiness, this is just a sampling of the sampling. And it demonstrates as all those who purchased loans from CFC/BofA that were repped to be in order, will find, following sampling or loan by loan analysis, that Brian Moynihan's bank committed acts of fraud after fraud, putting not only itself, but its underwriter counsel at risk time again. In fact, if there was anything remotely close to a working legal system in the US, what happened to Lehman's Repo 105 auditor, E&Y, should promptly befall every single underwriter's counsel which is jointly liable in representing that the data set forth by the underwriter is correct. But just as importantly, it means that of the hundreds of hundreds billions in loans sold by BofA to hapless dimwits, arguably the bulk of it is now subject to putbacks, and is of far worse quality than previously expected. It also means that the GSEs: those infinite receptacles of mortgage biohazard, are lying consistently when representing the state of their own books, which are likely orders of magnitude worse than the monthly status reports will indicate. 

This is just starting to get interesting.

The full Allstate filing which is a must read for everyone is presented below.

 




robert shumake

John Roberts switches to FOX <b>News</b> | Inside TV | EW.com

John Roberts, the veteran newsman who co-hosted CNN's American Morning for three years, is joining the competition. “We are excited to welcome Jo...

Now Tucker Carlson Says Michael Vick Should Not Be Executed - AOL <b>News</b>

Fox News Host Tucker Carlson says that he. ... NEWS PHOTO GALLERIES. From The Wires � Top News Photos � Celestial Delights � Solar Eclipses � The Bright Side � Good News Now � Extreme Elements � Weather Photos � Their Intelligence ...

Are Korea&#39;s “Bending” away from Bluster? « Liveshots

LONDON After a 2010 that saw the Korean peninsula edge towards the brink of nuclear Armageddon,


robert shumake detroit

John Roberts switches to FOX <b>News</b> | Inside TV | EW.com

John Roberts, the veteran newsman who co-hosted CNN's American Morning for three years, is joining the competition. “We are excited to welcome Jo...

Now Tucker Carlson Says Michael Vick Should Not Be Executed - AOL <b>News</b>

Fox News Host Tucker Carlson says that he. ... NEWS PHOTO GALLERIES. From The Wires � Top News Photos � Celestial Delights � Solar Eclipses � The Bright Side � Good News Now � Extreme Elements � Weather Photos � Their Intelligence ...

Are Korea&#39;s “Bending” away from Bluster? « Liveshots

LONDON After a 2010 that saw the Korean peninsula edge towards the brink of nuclear Armageddon,


robert shumake

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

Sunshine and Stricken Suburbs

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

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

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

Small-Town Destitution

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

...statistics show that despite Countrywide's representations, a much higher percentage of borrowers did not occupy the mortgaged properties:

...Overall, 18.3% of the loans sampled had recalculated LTV ratios of more than 10% higher than was claimed in the offering materials, and 6% of the loans sampled had recalculated LTV ratios of more than 25% higher than what was claimed in the offering circular. This overvaluation affected numerous statistics in the Offering Materials...For instance, the Offerings each made representations about the percent
of loans that had LTVs higher than 90% provide the lender little value
cushion to protect against borrower default and loss upon foreclosure.
However, the AVM indicates that a much higher percentage of the loans
had LTVs higher than 90%
.

The Offerings uniformly represented that none of the Mortgage Loans that collateralized the Certificates had LTV ratios greater than 100 percent, meaning that the size of the loan is greater than the value of the property. (aka: being "underwater") Loans with over 100% LTV afford the lender no equity cushion and leave the lender with inadequate collateral from the outset of a loan. Allstate's analysis has found that, despite Countrywide's representations, a substantial number of Mortgage Loans had LTVs greater than 100%, as follows:

Allstate has also analyzed the weighted average LTV of the Mortgage Loans in each pool and has found that the weighted average LTV was also overstated, because of the overstatement of individual Mortgage Loans within the pools.

All these lies, and much, much more, can be found detailed in the filing below. At the risk of cheeiness, this is just a sampling of the sampling. And it demonstrates as all those who purchased loans from CFC/BofA that were repped to be in order, will find, following sampling or loan by loan analysis, that Brian Moynihan's bank committed acts of fraud after fraud, putting not only itself, but its underwriter counsel at risk time again. In fact, if there was anything remotely close to a working legal system in the US, what happened to Lehman's Repo 105 auditor, E&Y, should promptly befall every single underwriter's counsel which is jointly liable in representing that the data set forth by the underwriter is correct. But just as importantly, it means that of the hundreds of hundreds billions in loans sold by BofA to hapless dimwits, arguably the bulk of it is now subject to putbacks, and is of far worse quality than previously expected. It also means that the GSEs: those infinite receptacles of mortgage biohazard, are lying consistently when representing the state of their own books, which are likely orders of magnitude worse than the monthly status reports will indicate. 

This is just starting to get interesting.

The full Allstate filing which is a must read for everyone is presented below.

 




robert shumake detroit

Hampton Roads, Virginia Beach Short Sale Experts by Short Sale Z


robert shumake

John Roberts switches to FOX <b>News</b> | Inside TV | EW.com

John Roberts, the veteran newsman who co-hosted CNN's American Morning for three years, is joining the competition. “We are excited to welcome Jo...

Now Tucker Carlson Says Michael Vick Should Not Be Executed - AOL <b>News</b>

Fox News Host Tucker Carlson says that he. ... NEWS PHOTO GALLERIES. From The Wires � Top News Photos � Celestial Delights � Solar Eclipses � The Bright Side � Good News Now � Extreme Elements � Weather Photos � Their Intelligence ...

Are Korea&#39;s “Bending” away from Bluster? « Liveshots

LONDON After a 2010 that saw the Korean peninsula edge towards the brink of nuclear Armageddon,


robert shumake

John Roberts switches to FOX <b>News</b> | Inside TV | EW.com

John Roberts, the veteran newsman who co-hosted CNN's American Morning for three years, is joining the competition. “We are excited to welcome Jo...

Now Tucker Carlson Says Michael Vick Should Not Be Executed - AOL <b>News</b>

Fox News Host Tucker Carlson says that he. ... NEWS PHOTO GALLERIES. From The Wires � Top News Photos � Celestial Delights � Solar Eclipses � The Bright Side � Good News Now � Extreme Elements � Weather Photos � Their Intelligence ...

Are Korea&#39;s “Bending” away from Bluster? « Liveshots

LONDON After a 2010 that saw the Korean peninsula edge towards the brink of nuclear Armageddon,


robert shumake

The Obama housing plan has the Treasury Department - as well as those in dire need of rescue from a comprehensive Obama mortgage solution - hoping that it can stop the hemorrhage of foreclosure statistics. Will it suffer the fate of the Hope for Homeowners plan?

Obama Housing Plan against a Backdrop of Sobering Foreclosure Statistics

Foreclosure statistics published by the FDIC are sobering indeed. According to the organization, one in 200 homeowners will experience foreclosures at a rate of 250,000 homeowners every three months. With 52% of workers said to live paycheck to paycheck and 43% spending more than they make, there is precious little room for error, and a workable Obama housing plan cannot come a moment too soon.

Obama Mortgage Plan a Two Tier Approach

The Wall Street Journal's Market Watch revealed that the Obama mortgage plan seeks to allocate $50 billion to enable the modification of mortgages of as many as five million homeowners, who may be at risk of losing their homes. The catch is that this housing plan benefits homeowners who worked with Freddie Mac or Fannie Mae to get their mortgages or refinanced through either of these institutions.

The second tier of the Obama housing plan is an allocation of $75 billion for a program identified as"homeowner stability imitative." This ambitious housing plan is estimated to benefits roughly three to four more million homeowners. This money is set aside for lenders who actively work with borrowers who are paying more than 31% of their income on their mortgage payments. In this it is essentially another version of the Hope for Homeowners program put in effect by the Bush Administration.

Will it Work?

While the money funneled to lenders could have a positive impact on the mortgage foreclosure crisis, the fact that banks are unwieldy when it comes to lending makes it questionable whether any of the additional money given to them will actually be allowed to be used as intended.

Consider the Associated Press report which revealed that the 20 biggest banks that had out their hands last year for the bailout funds are now shown to have curtailed their lending rather than increasing it or at least remaining steady.

Even more worrisome is the fact that it is the mortgage lending that is decreasing measurably. Even the Hope for Homeowners program is not enjoying the lender participation one might expect in the wake of a multi billion dollar bailout.

Combine these facts with the failure to compel financial institutions other Fannie Mae and Freddie Mac to modify home loans, and it is indeed questionable whether little more than guarded optimism over the Obama housing plan is appropriate at this time.

Sources

http://www.fdic.gov/about/comein/files/foreclosure_statistics.pdf; http://www.marketwatch.com/news/story/obama-releases-foreclosure-mitigation-plan/story.aspx?guid=%7BFC471D1A%2D4A21%2D4A01%2D91FA%2D72F9C2020978%7D&dist=TNMostRead; http://portal.hud.gov/portal/page?_pageid=73,7601299&_dad=portal&_schema=PORTA; L; http://www.google.com/hostednews/ap/article/ALeqM5gg9sJnu7_PrgZodh1L3ncoMHPu0gD96DKIUG0


robert shumake detroit

John Roberts switches to FOX <b>News</b> | Inside TV | EW.com

John Roberts, the veteran newsman who co-hosted CNN's American Morning for three years, is joining the competition. “We are excited to welcome Jo...

Now Tucker Carlson Says Michael Vick Should Not Be Executed - AOL <b>News</b>

Fox News Host Tucker Carlson says that he. ... NEWS PHOTO GALLERIES. From The Wires � Top News Photos � Celestial Delights � Solar Eclipses � The Bright Side � Good News Now � Extreme Elements � Weather Photos � Their Intelligence ...

Are Korea&#39;s “Bending” away from Bluster? « Liveshots

LONDON After a 2010 that saw the Korean peninsula edge towards the brink of nuclear Armageddon,


robert shumake

Hampton Roads, Virginia Beach Short Sale Experts by Short Sale Z


robert shumake

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

Sunshine and Stricken Suburbs

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

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

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

Small-Town Destitution

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

...statistics show that despite Countrywide's representations, a much higher percentage of borrowers did not occupy the mortgaged properties:

...Overall, 18.3% of the loans sampled had recalculated LTV ratios of more than 10% higher than was claimed in the offering materials, and 6% of the loans sampled had recalculated LTV ratios of more than 25% higher than what was claimed in the offering circular. This overvaluation affected numerous statistics in the Offering Materials...For instance, the Offerings each made representations about the percent
of loans that had LTVs higher than 90% provide the lender little value
cushion to protect against borrower default and loss upon foreclosure.
However, the AVM indicates that a much higher percentage of the loans
had LTVs higher than 90%
.

The Offerings uniformly represented that none of the Mortgage Loans that collateralized the Certificates had LTV ratios greater than 100 percent, meaning that the size of the loan is greater than the value of the property. (aka: being "underwater") Loans with over 100% LTV afford the lender no equity cushion and leave the lender with inadequate collateral from the outset of a loan. Allstate's analysis has found that, despite Countrywide's representations, a substantial number of Mortgage Loans had LTVs greater than 100%, as follows:

Allstate has also analyzed the weighted average LTV of the Mortgage Loans in each pool and has found that the weighted average LTV was also overstated, because of the overstatement of individual Mortgage Loans within the pools.

All these lies, and much, much more, can be found detailed in the filing below. At the risk of cheeiness, this is just a sampling of the sampling. And it demonstrates as all those who purchased loans from CFC/BofA that were repped to be in order, will find, following sampling or loan by loan analysis, that Brian Moynihan's bank committed acts of fraud after fraud, putting not only itself, but its underwriter counsel at risk time again. In fact, if there was anything remotely close to a working legal system in the US, what happened to Lehman's Repo 105 auditor, E&Y, should promptly befall every single underwriter's counsel which is jointly liable in representing that the data set forth by the underwriter is correct. But just as importantly, it means that of the hundreds of hundreds billions in loans sold by BofA to hapless dimwits, arguably the bulk of it is now subject to putbacks, and is of far worse quality than previously expected. It also means that the GSEs: those infinite receptacles of mortgage biohazard, are lying consistently when representing the state of their own books, which are likely orders of magnitude worse than the monthly status reports will indicate. 

This is just starting to get interesting.

The full Allstate filing which is a must read for everyone is presented below.

 




robert shumake detroit

John Roberts switches to FOX <b>News</b> | Inside TV | EW.com

John Roberts, the veteran newsman who co-hosted CNN's American Morning for three years, is joining the competition. “We are excited to welcome Jo...

Now Tucker Carlson Says Michael Vick Should Not Be Executed - AOL <b>News</b>

Fox News Host Tucker Carlson says that he. ... NEWS PHOTO GALLERIES. From The Wires � Top News Photos � Celestial Delights � Solar Eclipses � The Bright Side � Good News Now � Extreme Elements � Weather Photos � Their Intelligence ...

Are Korea&#39;s “Bending” away from Bluster? « Liveshots

LONDON After a 2010 that saw the Korean peninsula edge towards the brink of nuclear Armageddon,


robert shumake

Hampton Roads, Virginia Beach Short Sale Experts by Short Sale Z


robert shumake










Thursday, December 30, 2010

Making Money Scams


If you're having a problem with a business, Consumer Ally can help. Write us at HelpMe@WalletPop.com.



Q. I was charged $1,200 by Debt Solutions of America with the promise that they would lower my house payment. Well they did -- It was $823 a month. Now it's $817. And I'm out $1,200. Is there anything I can to do to recoup my money?

Pamela StaheliA. Pamela, I really hate to hear about cases like yours. With all of the trouble in the housing market, companies like this are popping up more and more. They often call themselves foreclosure rescue or foreclosure relief services, and they promise big things: Lower your mortgage payments, cut them in half, save you thousands of dollars a year.



What they actually do is exactly what you could do on your own, or with the help of a good not-for-profit housing counselor: They help you gather and submit the paperwork needed to complete a loan modification as part of the Making Home Affordable program.



When we received your email, I did a search for the company so I could get in touch and see if we could recoup any of what you lost. What I found, unfortunately, is that this company is already out of business. I did manage to track down Chris Stover, the owner, and he was less than helpful. He said that in order to work with his company, you had to sign a contract that said, essentially, that there are no guarantees.



I know you've acknowledged that you did, in fact, sign this contract. Because the company is out of business -- Stover tells me it "just wasn't a profitable business to be in," although I'm sure you'd disagree -- going after a refund would probably be throwing good money after bad, according to Gerri Detweiler, a credit adviser for Credit.com.



Instead, she thinks you should file a complaint with your state attorney general's office and the Federal Trade Commission (you can do that here). I'd also file a complaint with the Better Business Bureau, which already has a file started on this company, with 10 complaints registered. You can add yours to the list here.



Now, if you're still struggling with your mortgage payments, and it sounds like you are, you should get in touch with a HUD-approved housing counselor. It's completely free, and they'll be able to outline what options are available to you at this point.



Finally, for others out there who are considering one of these services: It's not worth it. There are no quick fixes, and if someone asks you to pay for this kind of counseling service or help with a home modification or a delinquent mortgage, it's more than likely a scam. (As a side note, there are legitimate credit counseling services, which charge a small fee to help you pay down credit card and other debt. If that's what you're looking for, keep your search limited to members of the National Foundation for Credit Counseling.) Whenever you're considering paying for a service of any kind -- debt settlement, credit counseling, even a new cell phone or cable plan -- you should thoroughly research the company, including verifying its rating and accreditation with the BBB.



Consumer Ally problem-solver Jean Chatzky is the "Today Show" financial adviser, a longtime financial journalist and best-selling author.


People blaming the government:


As all of us know that India is a democratic country. Democracy, in simple words, means Government by the people and for the people. This gives every Indian citizen to practice his/her rights and also to select the government by casting their votes. But here the main problem is that majority of people don’t cast their votes and when the government goes into the wrong people’s hands they start blaming the government. This is the main reason for the rising scams, prices and also the reason for the rich becoming richer and poor becoming poorer. May be one day will come when we have to buy a license to take birth in India!


These are the reasons which are favoring corruption in India. The youth has seen it all and wants to change the current situation of India. India is a really good country but as you may have heard that one rotten mango rotten the others in the basket too! The corrupt politicians are those rotten mangoes which are less in quantity but can cause destruction to the majority. This is called as misuse of power and authority. One of my very good friends gave me the idea to write on this topic. So, all credit goes to her for this article. I wish her all the best for life and being a big inspiration in my personal life. We both were discussing on the same topic and decided to work hard and change the face of India. I hope this article makes some difference. One day we, the energetic youth of India, WILL turn India into a golden country!


Jai Hind!







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Small Business <b>News</b>: Small Biz Tech Primer

Technology is vastly changing the scope and reach of small business not only in the world of marketing but in all aspects of operating your venture. From tech.

Fox <b>News</b>, Hypocrisy, And “Politically Correct” Journalism

My earlier post about Megyn Kelly's absurd equation of illegal immigration and rape in a discussion about changes to the Associated Press Style Guide.

Kidney Donation Set as Condition of Miss. Sisters - AOL <b>News</b>

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


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Tuesday, December 28, 2010

Help Making Money


It looks like Shep Smith isn't the only person on Fox News that was shamed by Jon Stewart into getting a bit tougher on these Republicans for filibustering the first responders bill. Chris Wallace brought up Stewart's interview with first responders to Jon Kyl, and in response we just got more sorry excuses as to why he still would not support the bill.


Kyl Denies Health Care For 9/11 Rescue Workers Because He Doesn’t Want To ‘Hurry’:


Last week, an incensed Jon Stewart invited 9/11 first responders to the Daily Show to offer their thoughts on this callous behavior. “Disgusted” and “hurt” by their actions, the rescue workers admonished Republicans for using the holiday schedule and Senate process as an excuse to block desperately needed help. Recounting their criticism today, Fox News Sunday host Chris Wallace asked Sen. Jon Kyl (R-AZ) why he couldn’t “find a way to give these heroes peace of mind when it comes to health care.” Ignoring their emotional pleas, Kyl insisted that, while he didn’t want to deny care to those who desperately need it, he just refuses to do so “in a hurry”.


Kyl’s excuses fall flat in the face of fact. Any cries for more time ignore that both the Senate and House version of the Zadroga bill have been available to Kyl since 2009. If a year with the text wasn’t enough, Kyl was free to attend the bill’s June 2010 Senate hearing he insists never happened. Had he shown up, he would’ve learned that the bill is very clear on who is eligible for funding. First responders can pursue compensation established by the Zadroga bill to bolster any coverage already received from the current health fund set up in New York City.


As Jon Stewart pointed out earlier this week as well, after refusing to give these first responders health care, none of these birds should ever be allowed by our media to invoke 9-11 for political purposes ever again. Let's hope this thing gets passed despite the continued obstruction by the likes of Kyl and his fellow shameless Republican cohorts.


Transcript via Nexis Lexis.


WALLACE: Joining us now, two Senate leaders, the number two Democrat, Dick Durbin of Illinois, and his Republican counterpart, Jon Kyl of Arizona.


And, Senators, welcome back to "Fox News Sunday."


KYL: Thank you, Chris.


WALLACE: Senators, before we talk about issues that have gotten a lot of attention, I want to ask you about one that hasn't, and let me begin with you, Senator Kyl.


Will you vote this week for the 9/11 bill that would guarantee health care for the first responders who went to Ground Zero?


KYL: I don't know if that bill is going to come before us, but Dick tells me just a moment ago that he thinks that it will. First question is, is it amendable, or is it a take it or leave it proposition? The bill hasn't been through committee. There are problems with it.


And I think the first thing Republicans will ask is do we have a chance to fix any problems that may exist with it. And it's a lot of money, and so I -- my early response is that I am skeptical about that bill.


WALLACE: Senator Durbin, Republicans in addition to Senator Kyl say - - Republican critics say that you're creating a $7 billion entitlement, and that the way you pay for it is a corporate tax increase.


DURBIN: Chris, I can tell you that Senators Kirsten Gillibrand and Chuck Schumer have been working nonstop for the last several weeks with Republicans to try to find the best way to approach this. These first responders literally risked their lives when they went to Ground Zero. They came from all over the United States. And now many of them are struggling with health problems that are clearly directly related to that experience. To turn our backs on these brave people is the wrong thing to do.


Will it cost money? Yes. Is it the right thing to do? Yes. We've got to find a way to fund it that's acceptable to Republicans and Democrats.


WALLACE: Well, but let me ask you about that, Senator Durbin. If this 9/11 bill is so important, why is it that the Democratic- controlled Senate never held a vote on this bill until the lame duck session and that President Obama, the best we can tell, has never said a word about this bill in public?


DURBIN: I can't tell you where the White House stands. I hope they support it. I will just tell you this. This is like an airport that has a runway closed down. We have aircraft stacked up trying to land. We have bills stacked up over the Senate because of the nonstop filibusters that we faced this year.


I wish we could have done things more efficiently and more directly. But we've lurched from one 30-hour delay to another 30-hour delay to more Senate quorums. This Senate could be much more efficient. It should be. And it should be much more bipartisan than this.


WALLACE: Will this bill pass?


DURBIN: I think this bill will pass, and I do believe that Senators Gillibrand and Schumer are working night and day to make that happen.


WALLACE: Senator Kyl, one of your objections is -- he was blaming you for the filibusters. One of your objections is that Harry Reid put too many items on the agenda in this lame duck session.


I want to play what you said and then how one of the first responders who now has cancer reacted. Let's watch.


(BEGIN VIDEO CLIP)


KYL: It is impossible to do all of the things that the majority leader laid out without doing -- frankly, without disrespecting the institution and without disrespecting one of the two holiest of holidays for Christians.


(END VIDEO CLIP)


(BEGIN VIDEO CLIP)


(UNKNOWN): I'm here to say that you won't find a single New York City firefighter who considers it a sign of disrespect to work in a New York City fire house on Christmas Eve or Christmas Day.


(END VIDEO CLIP)


WALLACE: Senator, everyone -- everyone -- praises the first responders as heroes. You say you're skeptical about this bill. Why not find a way to give these heroes peace of mind when it comes to health care?


KYL: Well, first of all, they should have peace of mind when it comes to health care. The question is what and how.


And when you try to do it, as you said in your introduction, in a hurry, in the lame duck session, without a hearing, without understanding what the ramifications are and whether we can amend the bill, you're doing it in the worst way.


For example, there's already been a settlement for a lot of these people, a fund that has been set up for them to receive funding. Will the people that are supporting this legislation be able to participate in that fund? Nobody has been able to say. Why $7 billion? What will the requirements for qualification be for the money?


Nobody wants to deny care to people who -- and by the way, these are primarily people who helped to clean up the site in the aftermath of 9/11, and there weren't adequate precautions taken in some cases to deal with potential health issues. And to the extent that they've become ill, they do need to be taken care of.


It's one thing to make an emotional appeal, to say we need to care for somebody who did something good. It's another to do it in a sensible way. And that's all we're asking for. You bring it up in the lame duck session with no opportunity to amend it, and you're probably going to make bad legislation.


WALLACE: Let me move to...


KYL: All of this could have been done earlier, I might add.




While many people may mock the idea of accepting Facebook friend requests from strangers, that might be just what a long-term drug addict needs. An experiment being run in Amsterdam at the moment is exploring the idea.


Dutch branding agency Lemz has set up drug addict Monica with her own Facebook page. As she makes her way around the Dutch city she wears a bright blue jacket bearing text asking people to befriend her on the social network.


What can this possibly achieve? The idea is that by making friends online, Monica will be able to gain self confidence and new interests that will help inspire her to quit her addiction. On the page, Monica says “Don’t be afraid! If you decide to become my friend you will get an interesting peek into my daily life (with a maximum of two posts a day). I will NEVER ask for money or try to visit you in person. The only thing I will ask from you is your online friendship.”


Mark Woerde of Lemz tells us “It all started when a relative of mine started ikgebruik.nl to help junkies find their way to organisations of help. He asked me to help him to promote his site among drugs users. We soon found out that drugs users really wanted to help making this site a big success. Now the site ikgebruik.nl is run by drugs users, sharing their experiences and scaring of potential new users. What really struck me was that these drugs addicts by doing this felt like humans again. Especially when all news channels reported about this group of junkies now helping others.”


Now it’s hoped the Facebook idea will reaffirm Monica’s faith in humanity and that the idea could scale to more addicts in the city. “There are many many people out there who want to help others and you do not need 5000 friends per addict”, Woerde says.







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

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A murder investigation is under way in England today after police confirmed that a 25-year-old landscape architect, whose snow-covered body was found on Christmas Day by dog walkers, was strangled. Detective Chief Inspector Phil Jones ...

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