Thursday, December 30, 2010

Making Money With Options


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


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


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


Sean Carroll, Polachi (NYC)

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


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


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

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


Steve Lavelle, Gillamor Stephens (London)

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


Sal Rocco, Stonewood Group (Toronto)

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


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


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



  • Senior talent is getting scarce again

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

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

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

  • Candidates want cash and equity.

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


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



Did you just promise yourself you’d write a book? Many of us make resolutions at this time of the year to finally start writing a novel or a picture book for children. If you’re one of the many, you’re probably not expecting a book deal. Rather, you’re just looking to get it written and put it out there for those who are interested in reading it.

If this is you, then a print-on-demand publisher is exactly what you’re looking for. You don’t need to spend much (or any) money upfront – all you really do is publicise your book and the buyers can get one made when they want it. Meanwhile, you could be making a small amount or a large amount in passive income and it hasn’t cost you much except your time spent writing. Sounds good?

id="more-61318">/> Choosing your print-on-demand (POD) book publisher is another thing entirely. In the end, it comes down to your needs and your particular book. For instance, some publishers are better at printing novels or photography books than others. Some will give you better royalties, while others will do a better job of helping you with promotion. To help you choose, here’s a list of four of the best online print-on-demand book publishers and a few of their key features.

1. Lulu

Lulu is one of the larger publishers and will happily cater for many types of books. You can easily publish a novel, a cookbook, or simply create a photo book for your family. They have the ability to publish and sell eBooks on your behalf and claim to have the largest distribution channels of all online publishers. Useful free services include consultations, while paid services offered include cover design, ISBN purchasing and distribution. If you choose to sell in the Lulu Marketplace without an ISBN, your upfront costs are negligible.

You can also set your profits by choosing your own royalties and Lulu makes its money by taking a small cut from your sales. Lulu pays royalties via Paypal or cheque. Read more about publishing with Lulu here.

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2. Blurb

Blurb is well known for its full colour photography-based books, however it also offers a couple of black and white text novel options. You can either use their online software to prepare a book or you can upload a pre-prepared PDF. Whichever option you choose, there’s no upfront costs.

When you sell the book, Blurb takes a small fee. Plus, you can set your own prices and thereby choose your own profit margin. Blurb offers payments through PayPal.

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3. Wordclay

Wordclay offers a basic DIY publishing service which is free for publishers. If you wish to pay a modest fee, services such as editing, ISBNs and distribution are available to you as well.

Again, you can choose your own royalty and Wordclay takes a cut from your sales. Wordclay sends US cheques.

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4. CreateSpace (aka Booksurge)

CreateSpace offers a DIY “no fees upfront” royalty-based publishing option to complement their regular publishing offers. They are actually part of the Amazon group of companies, so there’s no extra fees involved to distribute your book through Amazon. ISBNs can be obtained for free via CreateSpace.

CreateSpace also claim to offer the best royalties in the business — plus they allow you to choose your own royalty. Royalties can be paid by US cheque or to a US bank account.

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Words of Advice

When choosing your publisher, make sure you research well and ensure it’s a good fit for you before you commit your time and money or sign any agreements. Companies such as these do have the occasional unhappy customer but it’s not the norm. Here’s a few important things to look out for:

  • For non-US citizens, remember that different companies have different tax witholding requirements and that the cheque fees and your ability to deposit US cheques may de-value your earnings somewhat.
  • Having your book formally listed with an ISBN will often require you to ensure the quality of your book. This may require you to purchase a copy of your book each and every time you make a change (this can include price or directory changes). If you sign up for an ISBN, read the fine print, be prepared to purchase if required and don’t make changes to your book after this unless it’s very important.
  • No-frills DIY publishers will endeavour to make money from added extras such as cover art, editing and ISBNs. If you want to use these services, ensure you compare the prices between publishers and the cost of doing it yourself.

More about Self-Publishing and Writing

You might also like these articles on publishing and creating books:

  • How to Actually Make Money Selling eBooks
  • Become A Better Photographer with Online 365 Days Groups
  • NaNoWriMo.org – Write a Novel In 30 Days!

If you’ve written your own book and have self-published, let us know about your experiences with the publishers. Who did you choose and why? Were there any unforseen problems? Were you happy with the book quality? Let us know in the comments!


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<b>News</b> - Queen Elizabeth Welcomes First Great-Grandchild! - Moms <b>...</b>

Peter Phillips' wife Autumn gave birth to a baby girl Wednesday.

Warren Buffett boosts Iowa wind | Green Tech - CNET <b>News</b>

Berkshire Hathaway-owned subsidiary goes big for wind in Iowa, inks deal with Siemens as turbine provider. Read this blog post by Candace Lombardi on Green Tech.

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

People Making Money Online

Paying for Android apps is easier for AT&T users as the operator is adding carrier billing for its Android device owners. Users who find an app they like in Android Market will have the option of having the software purchase tacked on to their monthly bill, rather than go through Google Checkout. The update brings a much needed payment alternative to Android Market and hopefully points the way to carrier billing support from all carriers soon.


Right now, a lot of people don’t buy apps from Android Market because they’re limited to Google Checkout. Besides being flaky for some users, Google Checkout requires new users to enter in their credit card information. It’s a step that turns people off and has been hurting paid downloads on Android Market compared to iTunes, where many users already have their credit card on file with Apple.


What people really want is to just add purchases to their carrier bill. A new Strategy Analytics survey found that 38 percent of consumers prefer carrier billing more than pre-registered accounts like iTunes and PayPal, which are tied for 31 percent. Credit or debit card entry is favored by 22 percent of users.


This is important for Android and its ecosystem of developers. Options like PayPal are also welcome but the easiest thing to do for a consumer is just tack it on to their bill. T-Mobile has previously supported this and Sprint announced last year that it would, though it hasn’t followed through. Verizon Wireless supports carrier billing for app downloads in its VCast App store but there’s no word when it will be come to Android Market. Google’s Eric Chu said Google will continue to partner with more carriers on carrier billing so hopefully we’ll see Sprint and Verizon at some point soon.


Overall, it’s another sign that Google is making significant efforts to address some of the problems in Android Market. Recently, Google overhauled the look of the Android Market, making it easier for people to browse content using more categories and additional tools such as finding related apps. For developers, Google has upped the size of apps to 50MB, reduced the refund window to 15 minutes and earlier this year, opened up sales overseas to more countries. There’s still more to be done. I’ve asked about that promised online Android Market storefront. But gradually, Google is getting the picture. Android developers need to be able to make money and giving them tools to do that will help the entire ecosystem flourish. Mobile ads and in-app purchases are important monetization pieces but paid downloads are key for many developers looking for a return on their work. Expanded carrier billing could be an essential piece in helping Android developers close the revenue gap on their iOS counterparts.


Related research from GigaOM Pro (subscription req’d):



  • Why Google Launched App Inventor

  • Is Amazon the New Self-Publish Kingpin?

  • Why Carriers Still Hold the Key to Handset Sales


The Education Tech Series is supported by Dell The Power To Do More, where you’ll find perspectives, trends and stories that inspire Dell to create technology solutions that work harder for its customers so they can do and achieve more.

Non-profit organizations and passionate individuals have found a slew of creative ways to leverage social media and the class='blippr-nobr'>Internetclass="blippr-nobr">Internet to make the world a better place. Online campaigns help provide clean drinking water, food and malaria-preventing bed nets to people who need them.

Creative uses of the web are helping to provide and enhance education. These four projects, for instance, found innovative ways to help build schools through digital campaigns.

1. Epic Change

Epic Change has become a model for raising money using social media. Since 2008, its annual TweetsGiving has asked people to tweet about what they’re thankful for while making a donation. The strategy was so successful that #tweetsgiving became a trending topic on Twitter during the first year’s campaign.

Starting out, the benefactor of TweetsGiving was a school in Tanzania that was founded by Mama Lucky Kamptoni, a passionate local woman who started the school using money she earned from her poultry business (now there are two more benefactors). Epic Change wanted to help her rebuild and expand the school.

The organization also launched To Mama With Love, a website where users can make a donation by creating a “heart space” for a mother they care about. The “heart space” is a collection of photos, videos and words dedicated to that mother. Other people who care about that mother are invited to donate in her honor.

From one of the classrooms that was built using donations from these campaigns, the students now tweet and connect with the rest of the world.

“So often, we hear the stories of children in the so-called ‘developing’ world from the perspective of the media, non-profits or friends who have traveled or volunteered,” explains the Epic Change Blog. “What happens now – when these students can share their own stories, and build relationships with the rest of the world, for themselves? How will the world be different when these children, who live so geographically far away, move into our virtual backyard? What difference will it make in their lives to know that their voices will be heard?”

2. Stillerstrong

When Ben Sitller launched the Stillerstrong campaign on YouTubeclass="blippr-nobr">YouTube, Twitterclass="blippr-nobr">Twitter and a branded website, he did it with a video that poked fun at Lance Armstrong’s Livestrong campaign. It was hard to tell if he was kidding.

But the campaign, which sells Stillerstrong headbands and accepts donations by text message and credit card, has raised about $300,000 to help provide temporary schools for Haitians displaced by January’s earthquake. At the time the campaign was announced, the organization and its partners Causecast and the Global Philanthropy Group were expecting each school to cost between $45,000 and $55,000.

3. TwitChange

Instead of auctioning off celebrity memorabilia to support a charity, TwitChange hosts eBay auctions for celebrity Twitter interaction. The donation’s bidders put down to have a celebrity follow them, retweet their tweet, or mention them in an update. The proceeds go to aHomeInHaiti.org, which will use them to build a home and school for children with disabilities in Haiti.

The first auction in September raised $531,640.25. The website instructs us to “stay tuned for the celebrity tweet auction coming this holiday season.”

4. University of the People

Less of a “campaign” than a full-blown effort to democratize education, University of the People provides tuition-free higher education through an online campus.

Since launching last year, the university has accepted about 700 students from 100 different countries to its three- to four-year programs for business and computer science. Recently the university opened computer centers in Haiti so that students with limited Internet access could enroll in its courses.

“I do believe that if we take the millions of people around the world who could not afford going to university and teach them tuition free, we’re not only changing their lives, and their family’s lives, we also change their communities, their countries,” founder Shai Shai Reshef says. “And if we have a lot of them, we will change the world for a better world.”

Series Supported by Dell The Power To Do More/>

The Education Tech Series is supported by Dell The Power To Do More, where you’ll find perspectives, trends and stories that inspire Dell to create technology solutions that work harder for its customers so they can do and achieve more.

More Social Good Resources from Mashable:

- How Online Classrooms Are Helping Haiti Rebuild Its Education System/> - Why Social Media Is Reinventing Activism/> - 5 Creative Social Good Campaigns for the Holiday Season/> - 4 Real Challenges to Crowdsourcing for Social Good/> - 9 Creative Social Good Campaigns Worth Recognizing

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

For more Social Good coverage:

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

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Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

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.

Fox Utterly Destroys Cable <b>News</b> Ratings Competition in 2010 <b>...</b>

The blowout comes on the heels on Fox News' surging 2009, when the News Corp.-owned channel posted its highest-rated year in the network's 13-year history. (Overall, cable news audiences were down across the board -- though FNC's ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

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.

Fox Utterly Destroys Cable <b>News</b> Ratings Competition in 2010 <b>...</b>

The blowout comes on the heels on Fox News' surging 2009, when the News Corp.-owned channel posted its highest-rated year in the network's 13-year history. (Overall, cable news audiences were down across the board -- though FNC's ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

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.

Fox Utterly Destroys Cable <b>News</b> Ratings Competition in 2010 <b>...</b>

The blowout comes on the heels on Fox News' surging 2009, when the News Corp.-owned channel posted its highest-rated year in the network's 13-year history. (Overall, cable news audiences were down across the board -- though FNC's ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

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.

Fox Utterly Destroys Cable <b>News</b> Ratings Competition in 2010 <b>...</b>

The blowout comes on the heels on Fox News' surging 2009, when the News Corp.-owned channel posted its highest-rated year in the network's 13-year history. (Overall, cable news audiences were down across the board -- though FNC's ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

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.

Fox Utterly Destroys Cable <b>News</b> Ratings Competition in 2010 <b>...</b>

The blowout comes on the heels on Fox News' surging 2009, when the News Corp.-owned channel posted its highest-rated year in the network's 13-year history. (Overall, cable news audiences were down across the board -- though FNC's ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

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.

Fox Utterly Destroys Cable <b>News</b> Ratings Competition in 2010 <b>...</b>

The blowout comes on the heels on Fox News' surging 2009, when the News Corp.-owned channel posted its highest-rated year in the network's 13-year history. (Overall, cable news audiences were down across the board -- though FNC's ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

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.

Fox Utterly Destroys Cable <b>News</b> Ratings Competition in 2010 <b>...</b>

The blowout comes on the heels on Fox News' surging 2009, when the News Corp.-owned channel posted its highest-rated year in the network's 13-year history. (Overall, cable news audiences were down across the board -- though FNC's ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

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.

Fox Utterly Destroys Cable <b>News</b> Ratings Competition in 2010 <b>...</b>

The blowout comes on the heels on Fox News' surging 2009, when the News Corp.-owned channel posted its highest-rated year in the network's 13-year history. (Overall, cable news audiences were down across the board -- though FNC's ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

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.

Fox Utterly Destroys Cable <b>News</b> Ratings Competition in 2010 <b>...</b>

The blowout comes on the heels on Fox News' surging 2009, when the News Corp.-owned channel posted its highest-rated year in the network's 13-year history. (Overall, cable news audiences were down across the board -- though FNC's ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

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.

Fox Utterly Destroys Cable <b>News</b> Ratings Competition in 2010 <b>...</b>

The blowout comes on the heels on Fox News' surging 2009, when the News Corp.-owned channel posted its highest-rated year in the network's 13-year history. (Overall, cable news audiences were down across the board -- though FNC's ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...


bench craft company scam

Cable <b>News</b> Ratings 2010: Top 30 Programs Of The Year (PHOTOS)

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.

Fox Utterly Destroys Cable <b>News</b> Ratings Competition in 2010 <b>...</b>

The blowout comes on the heels on Fox News' surging 2009, when the News Corp.-owned channel posted its highest-rated year in the network's 13-year history. (Overall, cable news audiences were down across the board -- though FNC's ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

In April, The Washington Post integrated Facebook Platform to create a social experience across the site with “Network News.” The Washington Post has seen more than 280% increase in referral traffic year-over-year, as news becomes ...


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Thursday, December 23, 2010

web internet marketing

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If you’re seeking a job in social media, we’d like to help out. For starters, Mashable’s Job Lists section gathers together all of our resource lists, how-tos and expert guides to help you get hired. In particular, you might want to see our articles on How to Leverage Social Media for Career Success and How to Find a Job on Twitter.

But we’d like to help in a more direct way, too. Mashable’s job boards are a place for socially savvy companies to find people like you. This week and every week, Mashable features its coveted job board listings for a variety of positions in the web, social media space and beyond. Have a look at what’s good and new on our job boards:

Mashable Job Postings

Ad Ops Manager at Mashable in New York, NY.

VP Product at Mashable in San Francisco, CA.

Front End Web Developer at Mashable in San Francisco, CA.

UI Designer at Mashable in San Francisco, CA.

VP of Sales at Mashable in New York, NY.

Events Content Coordinator at Mashable in New York, NY.

Ruby on Rails Developer at Mashable in San Francisco, CA.

Mashable Job Board Listings

Community Manager at Green Dream LLC in Los Angeles, CA.

Technical Services Analyst at HCSS in Sugar Land, TX.

Director/Associate Director of Ad Sales at Howcast Media in New York, NY.

Account Supervisor/Director – Digital Public Relations at PMK*BNC in West Hollywood, CA.

Lead Contnet Strategist at Brain Traffic in Minneapolis, MN.

PHP Developer at Ultra Logistics in Fair Lawn, NJ.

Digital Account Group Supervisor at GolinHarris in New York, NY.

SEO Specialist at Empirecovers.com in Jenkintown, PA.

Associate Producer at Arkadium in New York, NY.

Web Graphic Design & Content Manager at Stanford Law School in Stanford, CA.

Senior Director, Digital Media at WETA TV/Radio in Arlington, VA.

Product Manager at BabyCenter, LLC in San Francisco, CA.

Vice President of Media/Marketing at Ashoka in Arlington, VA.

Video/Graphics/Editor/Shooter at John Hopkins Medicine in Baltimore, MD.

Social Media Internships at Sterling Publishing Co, Inc. in New York, NY.

Information Architect at Blue Fountain Media in New York, NY.

Video Production Assistant at Johns Hopkins Medicine in Baltimore, MD.

New Media Coordinator at a national TV talk show in Burbank, CA.

PHP Web Developer at Spartz Inc. in Chicago, IL.

Business Development Associate at New York Post in New York, NY.

QA Manager at Bazaarvoice in Austin, TX.

Youth Marketing Manager at PETA in Los Angeles, CA.

Social Media Manager at PETA in Los Angeles, CA.

Director of Social Media Strategy at Likeable Media in New York, NY.

Social Media Community Manager at Gerson Lehrman Group in New York, NY.

Senior Interactive Web Project Manager at TIG Global in Chevy Chase, MD.

Senior Social Media/Web Developer at Goldberg & Osborne in Phoenix, AZ.

Manager of Internet Marketing at Anchor Wave Internet Solutions in Tucson, AZ.

Digital Media Intern at Global Fund for Children in Washington, DC.

Interactive Project Manager at Interactive Partners in New York, NY.

Associate Director, Digital Project Management at Digitas in New York, NY.

Media Supervisor at Digitas in Stamford, CT.

Director, Global Marketing Capabilities at American Express in New York, NY.

Manager, Marketing Insight and Analysis at 1800flowers.com in Carle Place, NY.

VP, Director of Research at Universal McCann in San Francisco, CA.

Group Media Director at Universal McCann in San Francisco, CA.

Media Planner at Universal McCann in San Francisco, CA.

Media Supervisor at Universal McCann in San Francisco, CA.

Mobile Developer at IAC and Emerging Businesses in New York, NY.

Associate Product Marketing Manager at appssavvy in New York, NY.

Director, Brand & Communication Strategy at Universal McCann in San Francisco, CA.

UX Interactive Mobile Designer at IAC Mobile Lab in New York, NY.

Product Manager, Platform at appssavvy in New York, NY.

Product Manager, Ads and Video at appssavvy in New York, NY.

Social Media Manager at Cirque du Soleil in Las Vegas, NV.

Senior ColdFusion/Facebook App Developer at Advanced Media Productions in Natick, MA.

PHP Web Developer at Advanced Media Productions in Natick, MA.

Mashable’s Job Board has a variety of web 2.0, application development, business development and social networking job opportunities available. Check them out at here.

style="text-align: center;">

Got a job posting to share with our readers? Post a job to Mashable today ($99 for a 30 day listing) and get it highlighted every week on Mashable.com (in addition to exposure all day every day in the Mashable marketplace).

Image courtesy of iStockphoto, YinYang



Editor’s note: Brand dollars are still the biggest unclaimed prize on the interent. Guest author Steven Carpenter handicaps the players who are most likely to get them.


One of the biggest business opportunities in the consumer Internet space is to create products and services that attract a share of the billions of dollars in held-up brand marketing that has yet to find its way onto the web. With the explosion of various kinds of content and the innovative ways advertisers can segment and track users, why are marketers so reluctant to open up the floodgates? Quite simply, because the current online solutions—search, lead generation, display, video—do not provide a high enough return for these kinds of categories and are not consistent with the image these brands have invested so heavily to achieve.


Commensurate with the potential riches, there is an enormous amount of startup energy and experimentation going on in this area. In this installment of the TechCrunch Teardown, I will look at the four leaders—Facebook, Twitter, Foursquare, and Groupon—and how their new interactions—“like”, “follow”, “friend/check-in”, “group coupon”—are fairing with brand advertisers.


The $20 Billion Opportunity



According to Ad Age, the Top 100 Global Advertisers spent over $100 billion in 2009 across the various print, television, radio, outdoor, and Internet channels; based on data from the previous year, 39 of the 100 had budgets of $1 billion or more (see table 1, click to enlarge). Procter & Gamble, manufacturer of 50 leading brands (such as Tide, Dawn, Pampers, Gillette, and Crest), of which 23 generate $1 billion or more in sales, is the world’s largest advertiser, spending close to $9 billion annually. It should follow, then, that the Internet economy as a whole is effected by how the brand managers at these companies decide to allocate their funds online.


As you can see from the last column in the table at right, the leading marketers are only spending $1.8 billion, or 2.6% of their total budgets, online, despite the fact that consumers are spending close to 30% of their time on the Internet. Of the top marketers, only General Motors, Disney, Bank of America, and News Corp. allocated more than $100 million to the web.




So who has found the best marketing value online? Companies that market and sell financial services, insurance, automotive, communications and media, and consumer technology. It makes sense: these are companies with products that can be found easily using search, and whose customers are most likely to be acquired online because they can transact online. To date, Google and vertical content sites such as Yahoo! Finance and Bankrate have been the largest benefactors of these re-allocated dollars.



New Kleiner Perkins partner, and former Morgan Stanley analyst, Mary Meeker, estimates that closing the gap between consumer attention and ad dollars spent on the Internet to be a $50 billion global opportunity. If the Top 100 marketers bring their marketing budgets in alignment with 30% of time spent, I estimate online brand marketing to be a $30 billion global opportunity and $20 billion in the U.S. As evidenced by Google’s recent pursuit of Groupon, its traditional CPC and display advertising may not be sufficient enough to meet these marketers’ needs.


The Four Horsemen


There are four Internet companies currently best positioned to work with brands to create innovative marketing solutions that will appeal to millions of consumers—Facebook, Twitter, Foursquare, and Groupon. I acknowledge it is not exactly a fair comparison for two main reasons: 1) Facebook has enjoyed a 3-4 year head start on the field and 2) each product has a different use case and thus attracts a different audience with distinct revenue opportunities. Each company, though, has found its way into the mainstream and now finds itself with an attractive platform for brand experimentation.



I see the four product experiences these companies offer on a continuum of online-to-offline interaction on one axis, and requiring passive-to-active behavior on the other. The Facebook experience, for example, is largely an online one where a user can say something about herself by associating with a particular brand by “liking” it. This is an incredibly passive expression that requires a split-second action with little to no long-term repercussions. She can choose to visit the brand page and see the news feed at her convenience.


Twitter, on the other hand, is a personal tool for gathering realtime information—no one knows which feeds the consumer decides to consume or to ignore. While Twitter is similar to Facebook in its largely online-focused consumption, it is a much more “active” medium. Users are constantly reminded when they are following a brands’ information stream. As soon as the information becomes unimportant, too frequent, or spammy, she will simply cut off the connection.


Groupon (which I wrote about in an earlier teardown) is the lightest application, ironically, even though it is the only one of the four that requires a user to make a purchasing decision. Transactions occur easily online and the offline experience of presenting a coupon is consistent with decades of proven user behavior.


As of now, Foursquare asks the most of its users in relation to branded campaigns, but it is also the closest of the four to placing customers in the physical proximity of brands and retailers.


How They Are Doing



You can see how the four different interactions 1) naturally lend themselves to different brands and 2) exhibit a large disparity in terms of the sheer number of participants. And this is not necessarily a bad thing: 44,000 passionate luxury fashionistas at NY Fashion Week may be more valuable to Yves Saint Laurent than 5 million fans on Facebook.


It should come as no surprise that the biggest brand in the entire social ecosystem is Coca-Cola with 20 million Facebook Fans. Whole Foods is the biggest brand on Twitter with 1.8 million followers and the Gap, having sold 440,000 half-off coupons using Groupon, is that startup’s largest brand experiment.



Of the top 50 pages on Facebook, 8 of them are leading advertisers and brands, compared to Twitter which doesn’t have a single brand in its top 50 users. Of Facebook’s top 50 brand pages, 31 of them are food and beverage companies, while 11 are consumer products such as Converse All-Stars and Victoria’s Secret. The most important takeaway is that brands have a far greater following on Facebook than they do on their own sites. Facebook’s best move has been to convince brands to market their Facebook pages rather than driving traffic to their own websites.


The most interesting finding is that what seems to be popular on Facebook is not so on Twitter. If you click on the table at right an dlook at the top 50 brands on Facebook, the “Follower/Fan Ratio” (the result of dividing the number of Twitter followers to Facebook fans) does not get higher than 8% (Disney). This indicates that Twitter might have a more difficult time than Facebook in attracting overall brand dollars with its current product feature set.



This is evident when you look in detail at one CPG company and its portfolio of brands. I did a comparison of the differing success of P&G’s top brands using the two platforms (click on table at right to enlarge). In every case except one (Dawn), the branded experience on Facebook is more popular in terms of numbers than on Twitter. In a few cases, there does not appear to be a reason for even having a Twitter presence. It is interesting to note that the most followed P&G Twitter account is the company’s own corporate PR team.


Facebook still has a lot of work to do and it is far from a foregone conclusion that it has won. While the lightness of its interaction makes getting to scale easier, maintaining enough valuable interactions on the branded pages and engaging long-term customer interest is a huge challenge. For example, according to eMarketer, nearly 1/3 of Facebook users who unsubscribed from a branded page simply were no longer interested in it. And, more to the point, simply because Coke has 20 million Fans does not necessarily mean Coke will pay for the privilege to advertise on Facebook if it cannot see a return.



So what brands seem to be working well on Twitter and far better than on Facebook? Daily deals, such as Dell Outlet, Amazon, and Woot, and companies that place customer service and community at the heart of the brand experience, like Zappos and Etsy, exhibit the most lopsided Follower/Friend ratio. It is important to note that two companies that had horrific customer service challenges over the past few years—JetBlue and Toyota—have fully embraced Twitter as a direct communications channel. The biggest driver of Twitter success as compared to Facebook is the timeliness of the information.


Twitter, then, is well positioned to capture marketing dollars from companies optimizing for deals, retailers that have frequent specials, ticketing and events, movie studios, television shows, last minute deals, airlines, and hotels.



It is still early days for both Foursquare and Groupon in terms of working with big brands. Foursquare has seen traction with high-end luxury and media brands, likely as a result of its headquarters being located in New York and early media partnerships. Of course, Foursquare’s long-term viability as a stand-alone “check-in” company is still an open question with Facebook Places breathing down its neck. This is a strategic move on Facebook’s part to get closer to offline actions, transactions, and local commerce.


While Groupon is the defining company of next-generation e-commerce, it has a tougher road in terms of working with brands and large retailers. These companies tend to be more sensitive to heavy discounting as they don’t want to train their customers to wait for 50%-off coupons. And, they don’t like to be so indiscriminate with their offers.


Overall Assessment


I evaluated the four companies along the six different types of offers and campaigns that I can see consumer brands wanting to engage in:



  • Coupons: Simple discount off purchases

  • Location: Physical check-in or product scan

  • Loyalty: Frequency, “Mayorship

  • Time-based

  • Special Events: VIP’s

  • Inventory Close-Outs


Based on my research, while Facebook, Twitter, Foursquare, and Groupon are the best positioned to capture the estimated $20 billion in pent-up consumer marketing dollars, none of the four are currently optimized to execute along all of the necessary dimensions. There are considerable opportunities for startups to innovate and capture share. I look for this to be one of the most attractive areas for entrepreneurs in the consumer internet for years to come.


Bugatti teardown photo credit: Flickr/David Villarreal Fernández



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Wednesday, December 8, 2010

foreclosure homes


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).


With recent revelations of the fraudclosure scandal, and a spike in interest toward all things REO, we decided to go back to basics and present some "appendices" over why this process of excess bank inventory clearance is so important and what its implications are, especially in a world in which foreclosing has suddenly become legally impossible.

First, courtesy of UBS, an outline of the Foreclosure process:

The Foreclosure Process

The foreclosure process may vary significantly across states and even across countries, but the following description is general enough that it should be applicable to most of the US.

Delinquency and foreclosure. After a homeowner with a mortgage loan has missed three monthly payments, he or she is considered to be “90 days delinquent,” and the servicer of the mortgage (the company to which the mortgage payments are made) can initiate foreclosure proceedings.

Auction. At some point, the borrower will be asked to vacate the home, and if necessary at some later point, the borrower will be compelled to vacate the home by local authorities. The home will then go up for auction.

REO. If the auction bids do not reach a high enough level to cover the outstanding balance of the loan, the lender can take ownership of the property. Once the lender owns the property (referred to as real-estate-owned or REO), it will typically remain vacant until the lender is able to sell it.

A quick back of the envelope analysis that shows how much incremental inventory foreclosure creates:

A flow chart of the foreclosure process:

The charts below show the geographic/spatial concentration of foreclosure filings, as well as concentration of GSE in selected states:

The states where foreclosure accounts for the bulk of transactions:

A snapshot of contagion effects of foreclosure on homes in the same naighborhood:

Those who wish to dig into the fascinating topic of contagion (in foreclosures, not in default European countries), can find more info below:

As those who have been following our RealtyTrac updates know, in the last quarter the discount between a regular home sale and that in foreclosure just hit an all time record. Here is how the pricing matrix looks like by state and nationally:

And possibly the scariest chart of all: the end buyer of all the REOs, the properties that end up having the lowest salvage value, for the most part end up being acquired by the nationalized GSEs. And since the GSEs are on the US shadow balance sheet, these are simply more "assets" that collateralize US treasurys, and therefore, the US currency.

Take all the data above, and layer on top the complete confusion courtesy of the self-imposed foreclosure moratorium, and the utter confusion in the market becomes apparent.




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The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London apparently affiliated ...

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Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London apparently affiliated ...

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It's Wednesday and we still have a 2 game lead in the West with 4 games to play. I just like saying that. Lots of Kansas City Chiefs news today. Enjoy!

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London apparently affiliated ...

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Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.


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Arrowheadlines: Chiefs <b>News</b> 12/8 - Arrowhead Pride

It's Wednesday and we still have a 2 game lead in the West with 4 games to play. I just like saying that. Lots of Kansas City Chiefs news today. Enjoy!

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London apparently affiliated ...

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Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.


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Arrowheadlines: Chiefs <b>News</b> 12/8 - Arrowhead Pride

It's Wednesday and we still have a 2 game lead in the West with 4 games to play. I just like saying that. Lots of Kansas City Chiefs news today. Enjoy!

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London apparently affiliated ...

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Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.


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It's Wednesday and we still have a 2 game lead in the West with 4 games to play. I just like saying that. Lots of Kansas City Chiefs news today. Enjoy!

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London apparently affiliated ...

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.


bench craft company scam

Arrowheadlines: Chiefs <b>News</b> 12/8 - Arrowhead Pride

It's Wednesday and we still have a 2 game lead in the West with 4 games to play. I just like saying that. Lots of Kansas City Chiefs news today. Enjoy!

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London apparently affiliated ...

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.


bench craft company scam

Arrowheadlines: Chiefs <b>News</b> 12/8 - Arrowhead Pride

It's Wednesday and we still have a 2 game lead in the West with 4 games to play. I just like saying that. Lots of Kansas City Chiefs news today. Enjoy!

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London apparently affiliated ...

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.


bench craft company scam

Arrowheadlines: Chiefs <b>News</b> 12/8 - Arrowhead Pride

It's Wednesday and we still have a 2 game lead in the West with 4 games to play. I just like saying that. Lots of Kansas City Chiefs news today. Enjoy!

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London apparently affiliated ...

Small Business <b>News</b>: The Business Of Social Media

Are you in the business of social media? If you are involved in almost any business today you really should be or at least you should have a social media.