Saturday, November 27, 2010

foreclosure


LPS Applied Analytics released their October Mortgage Performance data today. According to LPS:



• The average number of days delinquent for loans in foreclosure is a record 492 days

• Over 4.3 million loans are 90 days or more delinquent or in foreclosure

• Foreclosure sales plummeted by 35% in October (as a result of the widespread moratoria)

• Nearly 20% of loans that have been delinquent more than two years are still not in foreclosure



Click on graph for larger image in new window.



This graph provided by LPS Applied Analytics shows the percent delinquent, percent in foreclosure, and total non-current mortgages.



The percent in the foreclosure process is trending up because of the foreclosure moratoriums.



According to LPS, 9.29 percent of mortgages are delinquent, and another 3.92 are in the foreclosure process for a total of 13.20 percent. It breaks down as:



• 2.72 million loans less than 90 days delinquent.

• 2.24 million loans 90+ days delinquent.

• 2.09 million loans in foreclosure process.



For a total of 7.04 million loans delinquent or in foreclosure.



This is similar to the quarterly data from the Mortgage Bankers Association.



Note: I've seen some people include these 7+ million delinquent loans as "shadow inventory". This is not correct because 1) some of these loans will cure, and 2) some of these homes are already listed for sale (so they are included in the visible inventory).



We’re a little puzzled at the attention a Florida robo-signing case has garnered. A plaintiff tried arguing that robo signing alone constituted a reason to dismiss a foreclosure. That’s such a stretch that it is no wonder a judge decided against the borrower argument.


Mind you, we think robo signing is serious because it is a fraud on the court and will almost assuredly be more complicated to clean up than the banks would have you believe. But the presence of a robo signer in and of itself is very unlikely to do much for the cause for an individual homeowner. The real implications are twofold. First is that the cost and hassle of banks straightening out this mess are serious. Not only will they have to spend more on foreclosures going forward, not merely getting proper signatures and notarizations, but also verfying the accuracy of the underlying information. And the state of Ohio is on a warpath, seeking to impose $25,000 fines for each improper affidavit. Second, some judges may make servicers start cases from scratch where a false affidavit has been submitted.

When banks find errors, as Bank of America has, what will the judge do?


HousingWire gives a report on this Florida case:


In Freemon v. Deutsche Bank, Florida’s Fourth District Court of Appeal ruled that an allegedly faulty affidavit didn’t constitute fraud in the case.


“Freemon’s motion does not demonstrate fraud or show why any of the alleged facts would entitle her to relief sufficient to set aside a default judgment,” the court ruled this week. “Freemon nowhere contends that she did not default on her mortgage, nor does she allege that the amounts due and owing, set forth in the affidavit and incorporated in the final judgment, are incorrect.”


In November 2007, Deutsche Bank filed to foreclosure against the homeowner, Veldrin Freemon, alleging she owed more than $570,000 on the mortgage note. Freemon didn’t answer the foreclosure complaint and a default judgment was entered. She later contested the case and it was delayed for six months. A foreclosure sale was reset for September 2009, and the property was sold back to the bank. When the bank sought to repossess the home after the sale, however, Freemon filed for relief from the judgment, alleging that an affidavit in the case was fraudulent.


The allegation of fraud was based on a deposition in another foreclosure case from a Litton Loan employee who was signing foreclosure affidavits without personal knowledge of their contents.


The court ruled that the deposition was insufficient to prove fraud and disagreed with Freemon’s characterization of the Litton Loan affidavit from Denise Bailey.


Freemon claimed that Bailey claimed personal knowledge of the matters in the affidavit yet she did not know who inputted information into the computer regarding the loan in question.

I pinged a lawyer who has been following securitization cases. HIs reply:


Very narrow ruling with limited implications.


I haven’t reviewed the case, but it doesn’t look like this borrower was connected to any of the people we know because it was a very incomplete argument.


Facts (as far as I can tell from the article):

Borrower was foreclosed. Later learns about robo-signers, and uses deposition from another case to argue the foreclosure should be overturned because the robo-signer admitted in the other case that she didn’t personally verify facts in the affidavit.


Appeals court dismissed borrowers complaint because the borrower didn’t present sufficient evidence of fraud or that any facts reviewed by the court in the original foreclosure case were in dispute. The borrower didn’t present any specific information regarding fraud in her case.


I did not see this as a ruling that robo-signing was not fraud. Rather, the judge said that the allegations about another case’s deposition were insufficient to show that an existing ruling (the house was already foreclosed and sold) should be vacated. The appeals court ruled that they would not over rule a trial court’s review of the facts without compelling evidence, which was not presented in this case.


I find the perspective of the article’s author and of Paul Jackson to be curious. The author said it was “good news for servicers” and Jackson said it was “huge news” because it found “robo-signing” was not fraud.


It seems very odd to me to be cheerleading for servicers’ right to submit bad information to the courts. That is a measure of just how far banks, and their minions, are willing to twist themselves over this issue.


In addition, this is far from a huge ruling. The borrower seems to have made a very weak case – first they didn’t challenge the foreclosure until after it was sold. Then, they only presented evidence from another case, without making any factual assertions in their own case (perhaps the goal was to re-open the case so they could take their own depositions, but this is a far more difficult route to attempt). In addition, they also tried to assert that the issue was “fraud”, which is, as you know, a very tough legal hurdle which requires the proof of “intent” which is difficult to establish.


While we’ll be seeing more fallout of the robo signing scandal, it’s more a symptom of deeper problems in the securitization process, namely, widespread disregard for contracts and legal procedures, than a huge issue in and of itself. But it will still be generating embarrassing stories for weeks and higher costs on an onging basis.



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openSUSE Weekly <b>News</b>, Issue 151 is out - openSUSE <b>News</b>

“After the breaking news of Mike Galbraith's patch of 233 lines of code to the linux kernel and the confirmation it was working by Linus Torvalds, naturally some threads were opened on the forums. This thread is one of them, ...

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.

Sun TV <b>News</b> application approved - Need to know - Macleans.ca

Sun TV News has been green-lit by the CRTC after a long war with the regulator and critics who are opposed to the 24-7 news-and-opinion channel nicknamed “Fox News North.” The CRTC had previously refused to grant the Quebecor property a ...


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openSUSE Weekly <b>News</b>, Issue 151 is out - openSUSE <b>News</b>

“After the breaking news of Mike Galbraith's patch of 233 lines of code to the linux kernel and the confirmation it was working by Linus Torvalds, naturally some threads were opened on the forums. This thread is one of them, ...

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.

Sun TV <b>News</b> application approved - Need to know - Macleans.ca

Sun TV News has been green-lit by the CRTC after a long war with the regulator and critics who are opposed to the 24-7 news-and-opinion channel nicknamed “Fox News North.” The CRTC had previously refused to grant the Quebecor property a ...


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LPS Applied Analytics released their October Mortgage Performance data today. According to LPS:



• The average number of days delinquent for loans in foreclosure is a record 492 days

• Over 4.3 million loans are 90 days or more delinquent or in foreclosure

• Foreclosure sales plummeted by 35% in October (as a result of the widespread moratoria)

• Nearly 20% of loans that have been delinquent more than two years are still not in foreclosure



Click on graph for larger image in new window.



This graph provided by LPS Applied Analytics shows the percent delinquent, percent in foreclosure, and total non-current mortgages.



The percent in the foreclosure process is trending up because of the foreclosure moratoriums.



According to LPS, 9.29 percent of mortgages are delinquent, and another 3.92 are in the foreclosure process for a total of 13.20 percent. It breaks down as:



• 2.72 million loans less than 90 days delinquent.

• 2.24 million loans 90+ days delinquent.

• 2.09 million loans in foreclosure process.



For a total of 7.04 million loans delinquent or in foreclosure.



This is similar to the quarterly data from the Mortgage Bankers Association.



Note: I've seen some people include these 7+ million delinquent loans as "shadow inventory". This is not correct because 1) some of these loans will cure, and 2) some of these homes are already listed for sale (so they are included in the visible inventory).



We’re a little puzzled at the attention a Florida robo-signing case has garnered. A plaintiff tried arguing that robo signing alone constituted a reason to dismiss a foreclosure. That’s such a stretch that it is no wonder a judge decided against the borrower argument.


Mind you, we think robo signing is serious because it is a fraud on the court and will almost assuredly be more complicated to clean up than the banks would have you believe. But the presence of a robo signer in and of itself is very unlikely to do much for the cause for an individual homeowner. The real implications are twofold. First is that the cost and hassle of banks straightening out this mess are serious. Not only will they have to spend more on foreclosures going forward, not merely getting proper signatures and notarizations, but also verfying the accuracy of the underlying information. And the state of Ohio is on a warpath, seeking to impose $25,000 fines for each improper affidavit. Second, some judges may make servicers start cases from scratch where a false affidavit has been submitted.

When banks find errors, as Bank of America has, what will the judge do?


HousingWire gives a report on this Florida case:


In Freemon v. Deutsche Bank, Florida’s Fourth District Court of Appeal ruled that an allegedly faulty affidavit didn’t constitute fraud in the case.


“Freemon’s motion does not demonstrate fraud or show why any of the alleged facts would entitle her to relief sufficient to set aside a default judgment,” the court ruled this week. “Freemon nowhere contends that she did not default on her mortgage, nor does she allege that the amounts due and owing, set forth in the affidavit and incorporated in the final judgment, are incorrect.”


In November 2007, Deutsche Bank filed to foreclosure against the homeowner, Veldrin Freemon, alleging she owed more than $570,000 on the mortgage note. Freemon didn’t answer the foreclosure complaint and a default judgment was entered. She later contested the case and it was delayed for six months. A foreclosure sale was reset for September 2009, and the property was sold back to the bank. When the bank sought to repossess the home after the sale, however, Freemon filed for relief from the judgment, alleging that an affidavit in the case was fraudulent.


The allegation of fraud was based on a deposition in another foreclosure case from a Litton Loan employee who was signing foreclosure affidavits without personal knowledge of their contents.


The court ruled that the deposition was insufficient to prove fraud and disagreed with Freemon’s characterization of the Litton Loan affidavit from Denise Bailey.


Freemon claimed that Bailey claimed personal knowledge of the matters in the affidavit yet she did not know who inputted information into the computer regarding the loan in question.

I pinged a lawyer who has been following securitization cases. HIs reply:


Very narrow ruling with limited implications.


I haven’t reviewed the case, but it doesn’t look like this borrower was connected to any of the people we know because it was a very incomplete argument.


Facts (as far as I can tell from the article):

Borrower was foreclosed. Later learns about robo-signers, and uses deposition from another case to argue the foreclosure should be overturned because the robo-signer admitted in the other case that she didn’t personally verify facts in the affidavit.


Appeals court dismissed borrowers complaint because the borrower didn’t present sufficient evidence of fraud or that any facts reviewed by the court in the original foreclosure case were in dispute. The borrower didn’t present any specific information regarding fraud in her case.


I did not see this as a ruling that robo-signing was not fraud. Rather, the judge said that the allegations about another case’s deposition were insufficient to show that an existing ruling (the house was already foreclosed and sold) should be vacated. The appeals court ruled that they would not over rule a trial court’s review of the facts without compelling evidence, which was not presented in this case.


I find the perspective of the article’s author and of Paul Jackson to be curious. The author said it was “good news for servicers” and Jackson said it was “huge news” because it found “robo-signing” was not fraud.


It seems very odd to me to be cheerleading for servicers’ right to submit bad information to the courts. That is a measure of just how far banks, and their minions, are willing to twist themselves over this issue.


In addition, this is far from a huge ruling. The borrower seems to have made a very weak case – first they didn’t challenge the foreclosure until after it was sold. Then, they only presented evidence from another case, without making any factual assertions in their own case (perhaps the goal was to re-open the case so they could take their own depositions, but this is a far more difficult route to attempt). In addition, they also tried to assert that the issue was “fraud”, which is, as you know, a very tough legal hurdle which requires the proof of “intent” which is difficult to establish.


While we’ll be seeing more fallout of the robo signing scandal, it’s more a symptom of deeper problems in the securitization process, namely, widespread disregard for contracts and legal procedures, than a huge issue in and of itself. But it will still be generating embarrassing stories for weeks and higher costs on an onging basis.



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openSUSE Weekly <b>News</b>, Issue 151 is out - openSUSE <b>News</b>

“After the breaking news of Mike Galbraith's patch of 233 lines of code to the linux kernel and the confirmation it was working by Linus Torvalds, naturally some threads were opened on the forums. This thread is one of them, ...

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.

Sun TV <b>News</b> application approved - Need to know - Macleans.ca

Sun TV News has been green-lit by the CRTC after a long war with the regulator and critics who are opposed to the 24-7 news-and-opinion channel nicknamed “Fox News North.” The CRTC had previously refused to grant the Quebecor property a ...


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openSUSE Weekly <b>News</b>, Issue 151 is out - openSUSE <b>News</b>

“After the breaking news of Mike Galbraith's patch of 233 lines of code to the linux kernel and the confirmation it was working by Linus Torvalds, naturally some threads were opened on the forums. This thread is one of them, ...

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.

Sun TV <b>News</b> application approved - Need to know - Macleans.ca

Sun TV News has been green-lit by the CRTC after a long war with the regulator and critics who are opposed to the 24-7 news-and-opinion channel nicknamed “Fox News North.” The CRTC had previously refused to grant the Quebecor property a ...


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openSUSE Weekly <b>News</b>, Issue 151 is out - openSUSE <b>News</b>

“After the breaking news of Mike Galbraith's patch of 233 lines of code to the linux kernel and the confirmation it was working by Linus Torvalds, naturally some threads were opened on the forums. This thread is one of them, ...

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.

Sun TV <b>News</b> application approved - Need to know - Macleans.ca

Sun TV News has been green-lit by the CRTC after a long war with the regulator and critics who are opposed to the 24-7 news-and-opinion channel nicknamed “Fox News North.” The CRTC had previously refused to grant the Quebecor property a ...


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Saturday, November 20, 2010

Making Money Through

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PICT1779 by HenryAllum


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Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...

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.

autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.


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PICT1779 by HenryAllum


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Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...

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.

autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.


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Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...

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.

autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.


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Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...

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.

autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.


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Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...

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.

autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.


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PICT1779 by HenryAllum


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Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...

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.

autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.


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Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...

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.

autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.


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Taiwanese <b>News</b> Channel Animates Royal Engagement! | PerezHilton.com

Royal Wedding Fever has hit Taiwan! Check out their animated (because we wouldn´t want it any other way!) interpretation of Prince William´s engagement to Kate Middleton (above)! Sooo...

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.

autosport.com - F1 <b>News</b>: Rosberg: Pirellis won&#39;t help Mercedes

Nico Rosberg doubts the new Pirelli tyres will do anything to ease the difficulties Mercedes suffered with front-tyre grip on the 2010 Bridgestones, after the Formula 1 teams tried the 2011 rubber for the first time in Abu Dhabi today.


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Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.

Middle East violence increases « Liveshots

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

Police <b>News</b> at Steven Landsburg | The Big Questions: Tackling the <b>...</b>

1 Tweets that mention Police News at Steven Landsburg | The Big Questions: Tackling the Problems of Philosophy with Ideas from Mathematics, Economics, and Physics -- Topsy.com. Pingback on Nov 19th, 2010 at 3:23 am. 2 Police News at ...


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Middle East violence increases « Liveshots

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

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.

Police <b>News</b> at Steven Landsburg | The Big Questions: Tackling the <b>...</b>

1 Tweets that mention Police News at Steven Landsburg | The Big Questions: Tackling the Problems of Philosophy with Ideas from Mathematics, Economics, and Physics -- Topsy.com. Pingback on Nov 19th, 2010 at 3:23 am. 2 Police News at ...


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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, ...

EA launching Facebook golf game PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of EA launching Facebook golf game.

Movie <b>News</b> Quick Hits: Leonardo DiCaprio to Star in New JFK <b>...</b>

Do you find Wall-E and Eve so adorable you just want to eat them? Now you can thanks to Charm City Cakes. - Warner Bros.


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Thursday, November 18, 2010

Making Money From the Internet


As a member of a class of French aristocrats that most Americans would mistake for characters in a faintly Francophobic Monty Python sketch, Christine de VĂ©drines should be forgiven for making unusual choices. An anxious heiress to a centuries-old fortune, she, along with much of her immediate and extended family, entrusted their fortunes and fates to a charismatic gentleman with a penchant for conspiracy theories. The result? For Christine, routine, cultish beatings; for the others, brainwashing, isolation and bankruptcy. It's an uncomfortably fascinating story; vivid and salacious to the point of doubt, and so incredibly specific that it can barely be considered cautionary.


Barely. Somewhere in or around Washington, D.C, a teenager, similarly anxious and also (allegedly!) destined for immense wealth, has been appealing for help with his millions on the Internet. He too is drawn to a charismatic leader with deeply sociopathic tendencies.


On Reddit recently, he asked this:


"What would you do with one billion USD or even several hundred million? I need your help reddit!!"


Then, as if to excuse himself, "I'm 19."


The anonymous heir's story goes something like this: He's a precocious teen who dropped out of college in a fit of entrepreneurship. He has never needed to worry about money, though his family's only conspicuous Rich People habit is apparently constant travel. Soon, though, his life will change. He stands to inherit up to a billion dollars from his grandfather, an Indian infrastructure magnate.


His first order of business after grasping his looming reality? To consult with Reddit, the often fascinating, occasionally disappointing and aggressively nerdy nerve center of the internet. True to form, the users' first responses were jokes:


• "Bring back Firefly….. " (responses include "This guy is our only hope" and "Ctrl-F firefly, upvote.")


• "Two chicks at the same time."


• "So I need to send you my contact information so you can move it out of the country?" (Which elicited the worrying response from the heir, "why move it out?")


When they're not joking around, though, Reddit users have been known to lapse into state of extreme earnestness. A few posters offered surprisingly thorough screeds for and against the concept of charity, and one allegedly similarly endowed user even posted some first-hand advice:


Dude, first off, beware beware BEWARE. Be extremely wary. To put it bluntly, you come across as idealistic and naive. These are not objectively bad qualities to possess, but they absolutely can be if they result in you putting trust in people who do not deserve it. If you do end up possessing such an enormous amount of money, a certain number of people you meet will be looking to take advantage of you, and these people will almost certainly be much more adept than you in financial and legal matters. Please please please do both me and yourself a favor and watch out.


That so many of Reddit's users took the original poster's request seriously and responded with well-intentioned, if not always practical, suggestions is nearly as surprising as the poster's decision to turn to Reddit in the first place. So we are all money managers now, I think?


I reached out to the original poster, who didn't want to be identified and cut our correspondence short. ("I would like to remain anon," he wrote, followed by silence. So: no confirming his story.) No matter—he left a trail of largely convincing and occasionally bizarre responses in his own thread. They paint a queasy portrait. But it's a familiar portrait! Let's call it "Young Money: A Study in Self Awareness." (It's a watercolor.)


On being a self-made man:


"I am currently, trying to build myself on my own. Doing good so far. I am a Young Entrepreneur, have received funding for a start up on my own through my current network. I originally thought that people would judge me by my age and not take me seriously but I was wrong, and I am glad."


On travel:


"USA, Canada, Mexico, Brazil, Spain, France, Germany, UK, Singapore, Malaysia, Thailand, United Arab Emirates, Kuwait, South Africa, Taiwan, China, Italy, India, Japan, Egypt, the Netherlands, Sweden, Australia, if I remember any more I'll let you know."


On philanthropy:


"Actually, I was thinking of putting some money to actually make an ad that if you click, you do in fact get the product it says you will get for free. But you will have to be lucky to get to the ad. I hate all of the internet ads that say, click here to get a free ipod, when I know I never will…."


On bootstraps:


"I was a Dishwasher for a year!"


On priorities:


"my parents believe in me. None of us care about money. Neither do I."


On modesty:


"I have fun doing business. Hence, I dropped out of college, and on my own got a job as Head of Enterprise Business development and built a network on my own that includes the CIO of NASA, CTO of Lockheed Martin, various venture capitalists and other executives."


On hopes:


"My ultimate goal is to help me people make their good ideas into a reality."


On requests for startup cash:


"will reach back out to you."


And finally, on trust:


"Wow!!! I met this guy at an airport from Nigeria. He asked me to do business with him and wanted money. And I looked his name up on google and scam is what pops up first!"


Oh dear.


He seems like a nice guy with pure intentions. He also seems (suspiciously?) like a composite character, created by someone who's had more than a few brushes with young wealth: He's assured, naive, and articulates his insecurities about personal success as matter-of-fact fits of heavily caveated boasting. But again, he seems like a well-meaning guy, and his postings suggest that he is less concerned about doing the COOLEST STUFF EVER than he is about determining what duties will come with his new wealth, and how to fulfill them.


We'll probably never know if he follows Reddit's best or worst advice, or if he just goes through with his own stated plans, or if, you know, he's real. But he's off to a bad start. He hasn't acted on the only piece of indisputably good advice in the entire, thousand comment thread:


"To have already advertised yourself on the internet like this is opening yourself up to trouble. If I were you, the first thing I would do would be to delete this post."




John Herrman writes about tech for Gizmodo, SmartPlanet, PopMech and anywhere else that will have him. He spends slightly less time on Reddit than the above suggests.


The U.S. Chamber of Commerce, a 501(c)6 business association that isn�t required to disclose its donors, ranks as the top outside-spending group that is not a party committee, such as the Democratic National Committee or Republican National Committee. The Chamber has spent $35 million this election cycle on �electioneering communications,� targeted broadcast messages that include a visual or audio reference to federal candidates but don�t expressly advocate for or against those candidates.
benchcraft company scam

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Video: Is Cable <b>News</b> Actually <b>News</b>? - NYTimes.com

Video: Pondering the value and integrity of cable news.

Good Old Games to sell The Witcher 2 PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of Good Old Games to sell The Witcher 2.


bench craft company scam

As a member of a class of French aristocrats that most Americans would mistake for characters in a faintly Francophobic Monty Python sketch, Christine de VĂ©drines should be forgiven for making unusual choices. An anxious heiress to a centuries-old fortune, she, along with much of her immediate and extended family, entrusted their fortunes and fates to a charismatic gentleman with a penchant for conspiracy theories. The result? For Christine, routine, cultish beatings; for the others, brainwashing, isolation and bankruptcy. It's an uncomfortably fascinating story; vivid and salacious to the point of doubt, and so incredibly specific that it can barely be considered cautionary.


Barely. Somewhere in or around Washington, D.C, a teenager, similarly anxious and also (allegedly!) destined for immense wealth, has been appealing for help with his millions on the Internet. He too is drawn to a charismatic leader with deeply sociopathic tendencies.


On Reddit recently, he asked this:


"What would you do with one billion USD or even several hundred million? I need your help reddit!!"


Then, as if to excuse himself, "I'm 19."


The anonymous heir's story goes something like this: He's a precocious teen who dropped out of college in a fit of entrepreneurship. He has never needed to worry about money, though his family's only conspicuous Rich People habit is apparently constant travel. Soon, though, his life will change. He stands to inherit up to a billion dollars from his grandfather, an Indian infrastructure magnate.


His first order of business after grasping his looming reality? To consult with Reddit, the often fascinating, occasionally disappointing and aggressively nerdy nerve center of the internet. True to form, the users' first responses were jokes:


• "Bring back Firefly….. " (responses include "This guy is our only hope" and "Ctrl-F firefly, upvote.")


• "Two chicks at the same time."


• "So I need to send you my contact information so you can move it out of the country?" (Which elicited the worrying response from the heir, "why move it out?")


When they're not joking around, though, Reddit users have been known to lapse into state of extreme earnestness. A few posters offered surprisingly thorough screeds for and against the concept of charity, and one allegedly similarly endowed user even posted some first-hand advice:


Dude, first off, beware beware BEWARE. Be extremely wary. To put it bluntly, you come across as idealistic and naive. These are not objectively bad qualities to possess, but they absolutely can be if they result in you putting trust in people who do not deserve it. If you do end up possessing such an enormous amount of money, a certain number of people you meet will be looking to take advantage of you, and these people will almost certainly be much more adept than you in financial and legal matters. Please please please do both me and yourself a favor and watch out.


That so many of Reddit's users took the original poster's request seriously and responded with well-intentioned, if not always practical, suggestions is nearly as surprising as the poster's decision to turn to Reddit in the first place. So we are all money managers now, I think?


I reached out to the original poster, who didn't want to be identified and cut our correspondence short. ("I would like to remain anon," he wrote, followed by silence. So: no confirming his story.) No matter—he left a trail of largely convincing and occasionally bizarre responses in his own thread. They paint a queasy portrait. But it's a familiar portrait! Let's call it "Young Money: A Study in Self Awareness." (It's a watercolor.)


On being a self-made man:


"I am currently, trying to build myself on my own. Doing good so far. I am a Young Entrepreneur, have received funding for a start up on my own through my current network. I originally thought that people would judge me by my age and not take me seriously but I was wrong, and I am glad."


On travel:


"USA, Canada, Mexico, Brazil, Spain, France, Germany, UK, Singapore, Malaysia, Thailand, United Arab Emirates, Kuwait, South Africa, Taiwan, China, Italy, India, Japan, Egypt, the Netherlands, Sweden, Australia, if I remember any more I'll let you know."


On philanthropy:


"Actually, I was thinking of putting some money to actually make an ad that if you click, you do in fact get the product it says you will get for free. But you will have to be lucky to get to the ad. I hate all of the internet ads that say, click here to get a free ipod, when I know I never will…."


On bootstraps:


"I was a Dishwasher for a year!"


On priorities:


"my parents believe in me. None of us care about money. Neither do I."


On modesty:


"I have fun doing business. Hence, I dropped out of college, and on my own got a job as Head of Enterprise Business development and built a network on my own that includes the CIO of NASA, CTO of Lockheed Martin, various venture capitalists and other executives."


On hopes:


"My ultimate goal is to help me people make their good ideas into a reality."


On requests for startup cash:


"will reach back out to you."


And finally, on trust:


"Wow!!! I met this guy at an airport from Nigeria. He asked me to do business with him and wanted money. And I looked his name up on google and scam is what pops up first!"


Oh dear.


He seems like a nice guy with pure intentions. He also seems (suspiciously?) like a composite character, created by someone who's had more than a few brushes with young wealth: He's assured, naive, and articulates his insecurities about personal success as matter-of-fact fits of heavily caveated boasting. But again, he seems like a well-meaning guy, and his postings suggest that he is less concerned about doing the COOLEST STUFF EVER than he is about determining what duties will come with his new wealth, and how to fulfill them.


We'll probably never know if he follows Reddit's best or worst advice, or if he just goes through with his own stated plans, or if, you know, he's real. But he's off to a bad start. He hasn't acted on the only piece of indisputably good advice in the entire, thousand comment thread:


"To have already advertised yourself on the internet like this is opening yourself up to trouble. If I were you, the first thing I would do would be to delete this post."




John Herrman writes about tech for Gizmodo, SmartPlanet, PopMech and anywhere else that will have him. He spends slightly less time on Reddit than the above suggests.


The U.S. Chamber of Commerce, a 501(c)6 business association that isn�t required to disclose its donors, ranks as the top outside-spending group that is not a party committee, such as the Democratic National Committee or Republican National Committee. The Chamber has spent $35 million this election cycle on �electioneering communications,� targeted broadcast messages that include a visual or audio reference to federal candidates but don�t expressly advocate for or against those candidates.
benchcraft company scam

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Video: Is Cable <b>News</b> Actually <b>News</b>? - NYTimes.com

Video: Pondering the value and integrity of cable news.

Good Old Games to sell The Witcher 2 PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of Good Old Games to sell The Witcher 2.


bench craft company scam

bench craft company scam

Lets Make Money by Market Rasen Readers Pets


benchcraft company scam

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Video: Is Cable <b>News</b> Actually <b>News</b>? - NYTimes.com

Video: Pondering the value and integrity of cable news.

Good Old Games to sell The Witcher 2 PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of Good Old Games to sell The Witcher 2.


bench craft company scam

As a member of a class of French aristocrats that most Americans would mistake for characters in a faintly Francophobic Monty Python sketch, Christine de VĂ©drines should be forgiven for making unusual choices. An anxious heiress to a centuries-old fortune, she, along with much of her immediate and extended family, entrusted their fortunes and fates to a charismatic gentleman with a penchant for conspiracy theories. The result? For Christine, routine, cultish beatings; for the others, brainwashing, isolation and bankruptcy. It's an uncomfortably fascinating story; vivid and salacious to the point of doubt, and so incredibly specific that it can barely be considered cautionary.


Barely. Somewhere in or around Washington, D.C, a teenager, similarly anxious and also (allegedly!) destined for immense wealth, has been appealing for help with his millions on the Internet. He too is drawn to a charismatic leader with deeply sociopathic tendencies.


On Reddit recently, he asked this:


"What would you do with one billion USD or even several hundred million? I need your help reddit!!"


Then, as if to excuse himself, "I'm 19."


The anonymous heir's story goes something like this: He's a precocious teen who dropped out of college in a fit of entrepreneurship. He has never needed to worry about money, though his family's only conspicuous Rich People habit is apparently constant travel. Soon, though, his life will change. He stands to inherit up to a billion dollars from his grandfather, an Indian infrastructure magnate.


His first order of business after grasping his looming reality? To consult with Reddit, the often fascinating, occasionally disappointing and aggressively nerdy nerve center of the internet. True to form, the users' first responses were jokes:


• "Bring back Firefly….. " (responses include "This guy is our only hope" and "Ctrl-F firefly, upvote.")


• "Two chicks at the same time."


• "So I need to send you my contact information so you can move it out of the country?" (Which elicited the worrying response from the heir, "why move it out?")


When they're not joking around, though, Reddit users have been known to lapse into state of extreme earnestness. A few posters offered surprisingly thorough screeds for and against the concept of charity, and one allegedly similarly endowed user even posted some first-hand advice:


Dude, first off, beware beware BEWARE. Be extremely wary. To put it bluntly, you come across as idealistic and naive. These are not objectively bad qualities to possess, but they absolutely can be if they result in you putting trust in people who do not deserve it. If you do end up possessing such an enormous amount of money, a certain number of people you meet will be looking to take advantage of you, and these people will almost certainly be much more adept than you in financial and legal matters. Please please please do both me and yourself a favor and watch out.


That so many of Reddit's users took the original poster's request seriously and responded with well-intentioned, if not always practical, suggestions is nearly as surprising as the poster's decision to turn to Reddit in the first place. So we are all money managers now, I think?


I reached out to the original poster, who didn't want to be identified and cut our correspondence short. ("I would like to remain anon," he wrote, followed by silence. So: no confirming his story.) No matter—he left a trail of largely convincing and occasionally bizarre responses in his own thread. They paint a queasy portrait. But it's a familiar portrait! Let's call it "Young Money: A Study in Self Awareness." (It's a watercolor.)


On being a self-made man:


"I am currently, trying to build myself on my own. Doing good so far. I am a Young Entrepreneur, have received funding for a start up on my own through my current network. I originally thought that people would judge me by my age and not take me seriously but I was wrong, and I am glad."


On travel:


"USA, Canada, Mexico, Brazil, Spain, France, Germany, UK, Singapore, Malaysia, Thailand, United Arab Emirates, Kuwait, South Africa, Taiwan, China, Italy, India, Japan, Egypt, the Netherlands, Sweden, Australia, if I remember any more I'll let you know."


On philanthropy:


"Actually, I was thinking of putting some money to actually make an ad that if you click, you do in fact get the product it says you will get for free. But you will have to be lucky to get to the ad. I hate all of the internet ads that say, click here to get a free ipod, when I know I never will…."


On bootstraps:


"I was a Dishwasher for a year!"


On priorities:


"my parents believe in me. None of us care about money. Neither do I."


On modesty:


"I have fun doing business. Hence, I dropped out of college, and on my own got a job as Head of Enterprise Business development and built a network on my own that includes the CIO of NASA, CTO of Lockheed Martin, various venture capitalists and other executives."


On hopes:


"My ultimate goal is to help me people make their good ideas into a reality."


On requests for startup cash:


"will reach back out to you."


And finally, on trust:


"Wow!!! I met this guy at an airport from Nigeria. He asked me to do business with him and wanted money. And I looked his name up on google and scam is what pops up first!"


Oh dear.


He seems like a nice guy with pure intentions. He also seems (suspiciously?) like a composite character, created by someone who's had more than a few brushes with young wealth: He's assured, naive, and articulates his insecurities about personal success as matter-of-fact fits of heavily caveated boasting. But again, he seems like a well-meaning guy, and his postings suggest that he is less concerned about doing the COOLEST STUFF EVER than he is about determining what duties will come with his new wealth, and how to fulfill them.


We'll probably never know if he follows Reddit's best or worst advice, or if he just goes through with his own stated plans, or if, you know, he's real. But he's off to a bad start. He hasn't acted on the only piece of indisputably good advice in the entire, thousand comment thread:


"To have already advertised yourself on the internet like this is opening yourself up to trouble. If I were you, the first thing I would do would be to delete this post."




John Herrman writes about tech for Gizmodo, SmartPlanet, PopMech and anywhere else that will have him. He spends slightly less time on Reddit than the above suggests.


The U.S. Chamber of Commerce, a 501(c)6 business association that isn�t required to disclose its donors, ranks as the top outside-spending group that is not a party committee, such as the Democratic National Committee or Republican National Committee. The Chamber has spent $35 million this election cycle on �electioneering communications,� targeted broadcast messages that include a visual or audio reference to federal candidates but don�t expressly advocate for or against those candidates.
benchcraft company scam

Lets Make Money by Market Rasen Readers Pets


benchcraft company scam

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Video: Is Cable <b>News</b> Actually <b>News</b>? - NYTimes.com

Video: Pondering the value and integrity of cable news.

Good Old Games to sell The Witcher 2 PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of Good Old Games to sell The Witcher 2.


benchcraft company scam

Lets Make Money by Market Rasen Readers Pets


benchcraft company scam

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Video: Is Cable <b>News</b> Actually <b>News</b>? - NYTimes.com

Video: Pondering the value and integrity of cable news.

Good Old Games to sell The Witcher 2 PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of Good Old Games to sell The Witcher 2.


bench craft company scam

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Video: Is Cable <b>News</b> Actually <b>News</b>? - NYTimes.com

Video: Pondering the value and integrity of cable news.

Good Old Games to sell The Witcher 2 PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of Good Old Games to sell The Witcher 2.


bench craft company scam

<b>News</b> - See the Rumored Woman Tony Parker Texted - Celebrity <b>News</b> <b>...</b>

Erin Barry is now being linked to Eva Longoria's husband.

Video: Is Cable <b>News</b> Actually <b>News</b>? - NYTimes.com

Video: Pondering the value and integrity of cable news.

Good Old Games to sell The Witcher 2 PC <b>News</b> - Page 1 | Eurogamer.net

Read our PC news of Good Old Games to sell The Witcher 2.


how to lose weight fast benchcraft company scam
bench craft company scam

Lets Make Money by Market Rasen Readers Pets


bench craft company scam

Wednesday, November 17, 2010

how to manage personal finances

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

id="more-58352">

How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

style="text-align: center;">

Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

style="text-align: center;">

Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

style="text-align: center;">

A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

style="text-align: center;">

To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

style="text-align: center;">

Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema


For those of you new to Free Money Finance, I post on The Bible and Money every Sunday. Here's why.


Here's an interesting verse from Proverbs 13:20:



He who walks with the wise grows wise, but a companion of fools suffers harm.



Let me put a personal finance spin on this:



He who associates with and listens to those who are doing well financially becomes wealthy. But someone who follows the advice of those who can't handle their money is destined for the poor house.



Ok, so I'm not a wordsmith (but you already knew that, didn't you?), but you get the idea. If you hang around people who follow the solid financial principles that can make you wealthy, then it's likely those principles will rub off on you and you'll do well too. But if you associate with people who continually make bad money mistakes, you'll probably do the same -- and thus kill your finances.


I'm not talking about having only friends who have it all together financially. But I am saying that it's wise to have friends, on average, who are doing fairly well or at least making good financial choices. And I'm not saying the friends have to be experts on everything. But I learn something from almost all of my friends -- how to save money from one, how to manage retirement from another, how to network for another, and so on.


If I spent most of my time with people who shopped for enjoyment, I'd probably want to do the same. If my friends spent every penny they had on "stuff" to fill up their houses, I'd probably follow suit. And if my friends all had boats and cottages, it probably wouldn't be long before I needed one (or both) too.
Let's face it, you're influenced by who you hang out with. So who do you want influencing you?


I once heard a speaker say that the person you'll be in five years will be determined by the people you know and the books you read. So choose your friends (and your books) wisely!!!



bench craft company scam

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

<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. ...

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

MAKE TMZ MY HOMEPAGE; TMZ RSS/XML � iPHONE APP � ANDROID APP � TEXT ALERT � FACEBOOK � MYSPACE � TWITTER � YOUTUBE � TIPS � Sign In | Sign Up. HOT SEARCHES: Sebastian Bach | Princess Diana | Brittny Gastineau � TMZ AOL News ...


bench craft company scam

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

id="more-58352">

How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

style="text-align: center;">

Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

style="text-align: center;">

Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

style="text-align: center;">

A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

style="text-align: center;">

To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

style="text-align: center;">

Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema


For those of you new to Free Money Finance, I post on The Bible and Money every Sunday. Here's why.


Here's an interesting verse from Proverbs 13:20:



He who walks with the wise grows wise, but a companion of fools suffers harm.



Let me put a personal finance spin on this:



He who associates with and listens to those who are doing well financially becomes wealthy. But someone who follows the advice of those who can't handle their money is destined for the poor house.



Ok, so I'm not a wordsmith (but you already knew that, didn't you?), but you get the idea. If you hang around people who follow the solid financial principles that can make you wealthy, then it's likely those principles will rub off on you and you'll do well too. But if you associate with people who continually make bad money mistakes, you'll probably do the same -- and thus kill your finances.


I'm not talking about having only friends who have it all together financially. But I am saying that it's wise to have friends, on average, who are doing fairly well or at least making good financial choices. And I'm not saying the friends have to be experts on everything. But I learn something from almost all of my friends -- how to save money from one, how to manage retirement from another, how to network for another, and so on.


If I spent most of my time with people who shopped for enjoyment, I'd probably want to do the same. If my friends spent every penny they had on "stuff" to fill up their houses, I'd probably follow suit. And if my friends all had boats and cottages, it probably wouldn't be long before I needed one (or both) too.
Let's face it, you're influenced by who you hang out with. So who do you want influencing you?


I once heard a speaker say that the person you'll be in five years will be determined by the people you know and the books you read. So choose your friends (and your books) wisely!!!



bench craft company scam

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

<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. ...

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

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MABUHAY ALLIANCE HOST THE 6TH ANNUAL ECONOMIC DEVELOPMENT CONFERENCE by mabuhayalliance


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<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

<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. ...

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

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In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

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How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

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Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

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Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

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A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

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To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

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Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema


For those of you new to Free Money Finance, I post on The Bible and Money every Sunday. Here's why.


Here's an interesting verse from Proverbs 13:20:



He who walks with the wise grows wise, but a companion of fools suffers harm.



Let me put a personal finance spin on this:



He who associates with and listens to those who are doing well financially becomes wealthy. But someone who follows the advice of those who can't handle their money is destined for the poor house.



Ok, so I'm not a wordsmith (but you already knew that, didn't you?), but you get the idea. If you hang around people who follow the solid financial principles that can make you wealthy, then it's likely those principles will rub off on you and you'll do well too. But if you associate with people who continually make bad money mistakes, you'll probably do the same -- and thus kill your finances.


I'm not talking about having only friends who have it all together financially. But I am saying that it's wise to have friends, on average, who are doing fairly well or at least making good financial choices. And I'm not saying the friends have to be experts on everything. But I learn something from almost all of my friends -- how to save money from one, how to manage retirement from another, how to network for another, and so on.


If I spent most of my time with people who shopped for enjoyment, I'd probably want to do the same. If my friends spent every penny they had on "stuff" to fill up their houses, I'd probably follow suit. And if my friends all had boats and cottages, it probably wouldn't be long before I needed one (or both) too.
Let's face it, you're influenced by who you hang out with. So who do you want influencing you?


I once heard a speaker say that the person you'll be in five years will be determined by the people you know and the books you read. So choose your friends (and your books) wisely!!!



benchcraft company scam

MABUHAY ALLIANCE HOST THE 6TH ANNUAL ECONOMIC DEVELOPMENT CONFERENCE by mabuhayalliance


benchcraft company scam

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

<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. ...

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

MAKE TMZ MY HOMEPAGE; TMZ RSS/XML � iPHONE APP � ANDROID APP � TEXT ALERT � FACEBOOK � MYSPACE � TWITTER � YOUTUBE � TIPS � Sign In | Sign Up. HOT SEARCHES: Sebastian Bach | Princess Diana | Brittny Gastineau � TMZ AOL News ...


bench craft company scam

MABUHAY ALLIANCE HOST THE 6TH ANNUAL ECONOMIC DEVELOPMENT CONFERENCE by mabuhayalliance


bench craft company scam

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

<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. ...

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

MAKE TMZ MY HOMEPAGE; TMZ RSS/XML � iPHONE APP � ANDROID APP � TEXT ALERT � FACEBOOK � MYSPACE � TWITTER � YOUTUBE � TIPS � Sign In | Sign Up. HOT SEARCHES: Sebastian Bach | Princess Diana | Brittny Gastineau � TMZ AOL News ...


bench craft company scam

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

<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. ...

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

MAKE TMZ MY HOMEPAGE; TMZ RSS/XML � iPHONE APP � ANDROID APP � TEXT ALERT � FACEBOOK � MYSPACE � TWITTER � YOUTUBE � TIPS � Sign In | Sign Up. HOT SEARCHES: Sebastian Bach | Princess Diana | Brittny Gastineau � TMZ AOL News ...


benchcraft company scam

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

<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. ...

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

MAKE TMZ MY HOMEPAGE; TMZ RSS/XML � iPHONE APP � ANDROID APP � TEXT ALERT � FACEBOOK � MYSPACE � TWITTER � YOUTUBE � TIPS � Sign In | Sign Up. HOT SEARCHES: Sebastian Bach | Princess Diana | Brittny Gastineau � TMZ AOL News ...


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bench craft company scam

MABUHAY ALLIANCE HOST THE 6TH ANNUAL ECONOMIC DEVELOPMENT CONFERENCE by mabuhayalliance


benchcraft company scam