Thursday, December 30, 2010

foreclosure listings


and, contra to an earlier Post, on “Quants”, these are the ‘Data Jockeys’ to pay attention to–ask Jim Simons, see if he agrees..








  • curbyourrisk Says:



    December 9th, 2010 at 9:12 am

    Great tool…….WOW…..Farmingdale is loaded. Funny, when I looked up at the North Shore of Long Island (where all the beautiful people live)…..NONE!!! But then again, they are beter than the rest of us.








  • rktbrkr Says:



    December 9th, 2010 at 9:32 am

    Fannie has an online listing of their REOs, only 3% downpayment required with 3.5% allowance for owner-occupied – so essentially nothing down. No appraisal or mortgage ins required. Nothing said about title ins. Special financing for renovations/repairs.


    I believe there will be at least one more wave of markdowns in the sand states once the foreclosure train regains momentum, the normal areas might be near bottom now as long as we can hold at 90% employment.


    If BB screws up and mortgage rates soar then it’s good night Irene for homeowers even at this level


    http://www.homepath.com/








  • beaufou Says:



    December 9th, 2010 at 9:32 am

    Can you google map the notes for those foreclosures?








  • Livermore Shimervore Says:



    December 9th, 2010 at 10:33 am

    interesting: Click on both the “For Sale” and “Foreclosure” check boxes and then unclick “For Sale”. Very different maps.








  • curbyourrisk Says:



    December 9th, 2010 at 11:28 am

    But, but Barry said the bottom was in/near in housing…


    http://www.bloomberg.com/news/2010-12-09/homes-in-u-s-poised-to-lose-1-7-trillion-in-value-this-year-zillow-says.html








  • Mannwich Says:



    December 9th, 2010 at 12:13 pm

    This one is a must-read today:


    http://www.correntewire.com/why_obama_tax_deal_republicans_insane








  • louis Says:



    December 9th, 2010 at 1:16 pm

    Move along, these aren’t the dots your looking for – Que Ostrich.








  • Google Maps adds Foreclosure Results » The Art of Short Sales Says:



    December 9th, 2010 at 3:14 pm

    [...] interesting find over at The Big Picture, detailing how to use Google Maps to find foreclosures: Google Maps keeps evolving, expanding the ability to drill down into granular detail. The latest [...]








  • Use a Google Maps Filter to See Nearby Foreclosures [Real Estate] | Berry Live Says:



    December 9th, 2010 at 4:02 pm

    [...] state of the economy, and for seeing what homes go for when they’ve been left in the wind. Google Map Foreclosure Tricks [The Big Picture via BoingBoing [...]








  • Foreclosure Listing On Google Maps? « Daniel's Rants & Raves Says:



    December 9th, 2010 at 5:24 pm

    [...] I know Google Maps can be used to see directions to some place in the area you never been to,  you can see street views of places, and so many other wonderful uses for Google Maps but now you can actually check the Foreclosures in a particular area using Google’s Map Service which is crazy, check out this article for more Details HERE. [...]








  • FMT Says:



    December 9th, 2010 at 6:56 pm

    Immensely sad to reflect on the family stress and pain many of these dots will represent.








  • michael Says:



    December 9th, 2010 at 11:06 pm

    its probably worth noting that even this badly understates the problem. a home across the street from me was short-sold and the family lost all of their equity and the money’s for a major addition they had put into it; they of course aren’t shown. also, the house next to them went through foreclosure. its since been bought and a new family is living there. since its not currently in foreclosure, its not displayed either.








  • Rob Says:



    December 9th, 2010 at 11:07 pm

    Been having fun looking at foreclosure properties in my area this morning.

    Didn’t know that was even a possibility on GM.


    Stumbled upon something that was really cool that I’ve never seen before.

    Well sort of. If you look at a property using the “street view” then you

    can checkout the area around the property. (yeah, bear with me, I know that

    isn’t “new”) But while you looking at it in street view, right mouse click

    on the image and select “3D mode on.” Now that’s bad ass.


    I use to do mechanical design work and our computer did a similar “trick” as

    this. When you were designing a 3D part you could put it in 3D mode and the

    part you were designing became 3D (with the glasses of course) While it was

    a super nifty trick, it didn’t have much purpose in the design process.

    Similar to this street view thing I guess, really nifty but not much

    purpose…. yet.


    In case the 3D thing isn’t available everywhere, here’s the property I was

    looking at.


    http://maps.google.com/maps?


    Rob








  • TheCenterLane Says:



    December 10th, 2010 at 3:51 am

    I wouldn’t get too excited about that unit at 3425 Collins Ave. I used to live right nearby for 9 years.

    Even in this depressed market: You get what you pay for.

    Caveat Emptor. ‘Nuff said.








  • zato Says:



    December 10th, 2010 at 1:12 pm

    These are NOT foreclosure listings. They are FOR SALE listings.

    I looked at my neighborhood and ever single house that is for sale is designated a foreclosure according to google maps with “foreclosure” checked. Every single one. Now I know some of my neighbors and they are not in foreclosure.


    The data is bad, folks.








  • Amazing & Staggering – Foreclosure Maps | Roylat.com Says:



    December 10th, 2010 at 2:58 pm

    [...] out the full article and set of maps – and instructions on how to do it yourself [...]








  • paulks Says:



    December 11th, 2010 at 11:25 am

    The data doesn’t represent what we think it does, or what the title implies. I asked a real estate insider about this map. His reply:


    “That is a pretty neat system.  Unfortunately, it’s not a very accurate or useful system to me, it looks like it just generates hits to foreclosure “sale” websites, which in turn makes my client call me and ask to see a property that was sold weeks ago.  The interesting thing is that nobody can actually sell a foreclosure except the public trustee, they only take cash, and they don’t advertise.  The news media has done a good job of confusing the public about what a foreclosure really is.  All these houses may be in the foreclosure process at some point, or have already gone through foreclosure.  Most appear to be bank owned or short sales or distressed sales, etc.

    I looked up a couple I know about and the system appears to only be linked to these commercial websites, not the current MLS.  1375 S Vrain is shown on the map as being listed for $145k.  I know it went through and completed foreclosure nearly a year ago, and the bank sold it at auction 10 days ago for $74,000  (to my investors)”








  • Foreclosures on Google Maps | Mapsys.info Says:



    December 12th, 2010 at 5:55 pm

    [...] The Big Picture has been looking at a number of areas on Google Maps to assess the impact of the downturn on people’s homes. [...]








  • Matrix » Google Maps Shows Us Our Foreclosure Skeletons Says:



    December 12th, 2010 at 7:04 pm

    [...] is why Barry Ritholtz’s The Big Picture is a must read – always a trove of cool insight – this time its (via ChartPorn) [...]








  • America’s Spreading Foreclosure Pandemic — use Google’s foreclosure maps to expose the extent of foreclosures nationwide and in your neighborhood « Dregs of the Future Says:



    December 13th, 2010 at 1:17 pm

    [...] Amazing US default and foreclosure maps [...]








  • Quora Says:



    December 13th, 2010 at 4:09 pm

    How to find foreclosing apartments?…


    Google provides an interesting solution for this though I cannot confirm if their results are relevant. Basically go to Google Maps, punch in any US address and hit the More button besides Traffic. There is an option for Real Estate, check that and on …








  • Cogitator Says:



    December 13th, 2010 at 5:12 pm

    This seems to be for homes that have been foreclosed on. There are many others that are in the process, but have not yet been, as they say, sold on the courthouse steps to make this list. If all of the homes that are in the process of being foreclosed were on on this map, it would look much worse.



    Buce:




    Underbelly: The Blogger has Questions: They say the Devil has nine questions. Barry Ritholtz has ten; he poses them to the four guys [Peter Wallison, Keith Hennessey, Bill Thomas and Douglas Holtz-Eakin] who didn't finish their term paper:




    1. From 2001 to 2003, Alan Greenspan took rates down to levels not seen in almost half a century, then kept them there for an unprecedentedly long period. What was the impact of ultra low interest rates on Housing, credit, the bond markets, and derivatives?


    2. How significant were the Ratings Agencies (S&P, Moodys and Fitch) to the collapse? What did their AAA ratings on junk derivatives affect? What about their being paid directly by underwriters for these ratings?


    3. The Commodities Futures Modernization Act of 2000 removed all Derivatives from all oversight, including reserve requirements, exchange listings, and disclosures. What effect did the CFMA have on firms such as AIG, Bear, Lehman, Citi, Bank of America?


    4. Prior to 2004, Investment Houses were limited to 12-to-1 leverage by the SEC’s net capitalization rule. In 2004, the 5 largest investment banks asked for, and received, a full exemption from leverage restrictions (known as the Bear Stearns exemption) These five firms all jacked up their leverage. What impact did this increased leverage have on the crisis?


    5. For seven decades, Glass Steagall separated FDIC insured depository banks from riskier investment houses. Prior to the repeal of Glass Steagall in 1998, the market had regular crashes that did not spill over into the real economy: 1966, 1970, 1974, and most telling of all, 1987. What impact did the repeal of Glass Steagall have on the banking system during the 2008-09 crash?


    6. NonBank Lenders: Most of the sub-prime mortgages were made by unregulated non-bank lenders. They had a ”Lend to securitize” business model, and they sold enormous amounts of subprime loans to Wall Street for this purpose. Primarily located in California, they were also unregulated by both the Federal Reserve and the California State legislator. What was the impact of these firms?


    7. These firms abdicated traditional  lending standards. They pushed option arms, interest only loans, and negative amortization mortgages, all of which defaulted in huge numbers. Was non-bank sub prime lending a major factor in the crisis?


    8. The entire world had a simultaneous global housing boom and bust. US legislation such as the CRA or Fannie & Freddie only covered US housing and lenders.  How did this cause a worldwide boom and bust — even bigger than that in the US ?


    9. Prior to the 2004, many States had Anti-Predatory Lending (APL) laws on their books (and lower defaults and foreclosure rates). In 2004, the Office of the Comptroller of the Currency (OCC) Federally Preempted state laws regulating mortgage credit and national banks. What was the impact of this OCC Federal Preemption ?


    10. Corporate Structure: None of the Wall Street partnerships got into trouble, only the publicly traded iBanks. Partnerships have full personal liability for their losses. What was the impact of this lack of personal liability of senior management on Wall Street risk management?




    Comment:  Some of these come close to being purely rhetorical in the sense that (I suspect) Barry feels he knows the answer, and that the answer is damning to the culprits.  For every one of them, I suspect somebody over at the American Enterprise Institute will be ready with a memo showing that it was a total non-issue and oh look!  There's Barney Frank!  Even given AEIs risible record of "research," still a number of these do represent real issues on which I'd love to have a better sense of who is right.  Example: repeal of Glass Steagall is part of the standard mantra.  Yet wouldn't I be right that the worst afflicted banks (Bear Stearns, Lehman) are the ones least diversified, the ones that took least advantage of Glass Steagall repeal?  Can we document that Federal preemption really changed anything?



    I know, that's not really his point--his point being to try to shame four guys who seem to have no sense of shame, and who pass on, as an "investigation report," a set of AEI talking points that they could have drafted before the commission was ever appointed.





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  • Tuesday, December 28, 2010

    Making Money Off Youtube



    An Open Letter to the Lesbian, Gay, Bisexual, and Transgender Youth of America:



    Hold tight for a little while longer, kid. It gets better.



    There. That's what I've got so far.



    "The Huffington Post would like you to write an 'it gets better' piece," said the email I got a few weeks ago from Katie, the publicist for the new Sundance Channel series Girls Who Like Boys Who Like Boys, in which I appear (as a boy who likes boys) along with my best friend Sarah (as a girl who likes, etc.).



    (To bring you up to speed, just in case: In response to the recent publicized rash of suicides by gay middle school, high school, and college students--at least eight kids dead in less than a month--author Dan Savage and his husband Terry Miller filmed a terrific YouTube message to American kids who are bullied or abused or rejected or beaten up or made to feel like outsiders because of their sexuality. Savage and Miller hated their lives in high school, they explain, but the day they finished, their lives changed, immensely, for the better. They were making this video, they said, to tell you, Hold tight for a little while longer, kid. It gets better. The video obviously sparked something in the national consciousness, because, within days, thousands of people across the country were sending similar--and similarly beautiful--messages to http://itgetsbetter.org; they're sending them still.)



    "Great!" I typed enthusiastically back to Katie, sat down, and started to write.



    Many of the it-gets-better videos, I'd noticed, began with a recounting of the difficulties the speaker(s) faced when he or she was or they were the age Billy Lucas was when he killed himself on September 9, the age Cody J. Barker was when he killed himself on September 13 (fifteen), the age Seth Walsh was on September 19 (thirteen), the age Tyler Clementi was on September 22 (eighteen), Asher Brown on September 23 (thirteen), Harrison Chase Brown on September 25 (fifteen), Felix Sacco and Raymond Chase on September 29 (seventeen and nineteen). I knew this would not be hard. Thirteen? Fifteen? I had known I was doing something wrong from the age of six, when the Jewish Community Center summer camp counselors said I wasn't allowed to sign up for needlepoint and flower arranging and stuck me in gymnastics instead, though to be fair my front handspring is even today a thing to be proud of.



    Growing up, I felt like an alien from outer space, stranded on this planet with the half-finished first draft of a guidebook in a language I didn't speak.


    So far, so good, I thought. I am a brilliant writer!



    I was more or less okay until seventh grade, at which point things began to come apart. I didn't understand why Winslow Barnett snickered when I walked into the boys' locker room for PE wearing my purple bow tie and my fabulous bright green pants with the white piping down the side, but I knew that it was not his intention to convey approbation of my fashion sense. I didn't see why it should be cause for concern to anybody when I started writing all my in-class history exams on pink paper in green ink, with circles over the "i"s, but I didn't need to see that to interpret the look Mr. Somerville gave me when I handed them in. It was a mystery to me why my mother's face fell when I used my birthday money to buy a pair of floppy bunny ears, but I knew enough to wait until I went away to summer camp to start wearing them.


    Hmm. Something seems off, I thought as I sat back and reread what I'd written. I probably need chocolate. I went to the bodega on the corner, bought some M&Ms, ate them on the way back home, and sat down at my computer again.



    By the time I was fifteen I'd figured out what was really going on, so I went to the library, checked out all the books I could find on being gay, and left them on the kitchen table, which in retrospect might not have been the best way to come out to my parents but it got the job done. They nixed the green ink and the bow ties and forbad me to see the one other openly gay person I knew, a man who ran a chocolate store not far from my house and who had been playing a very effective fairy godmother to my Cinderella; when I defied them and saw him anyway, they grounded me for a year, not that I had any friends with whom I would have spent my time anyway. In the meantime school got trickier to navigate; I can't remember the name of the kid who intercepted the note I passed to Kathy Weld during first-period French about George Lindenmayer, but my face flushes still when I remember having my own lovestruck mooning quoted sneeringly back to me as I passed him and his friends in the hall for the rest of the week. They'd translated the French badly but that was cold comfort.

    But it got better. It got much, much, much better.


    It's not the chocolate, I realized.



    The problem was that I had had it easy.



    I was pretty fey, to be sure, but I never flouted gender norms in any significant way for any significant length of time, so I was never the target of constant bullying; furthermore, I went to a fancy-schmancy private school where the shoving match Kinsey Huggins got into with Chad Rawe during the break before Latin II one Tuesday was the talk of our ninth-grade class for weeks, so what bullying I was subjected to was relatively de bon ton. While Winslow Barnett's snickering and that of the kid whose name I can't remember may therefore have stabbed me to the heart, they were small potatoes compared with the bullying some of you go through every day. Nobody ever filmed me having sex without my permission and live-streamed it online. Nobody ever pulled my chair out from under me and told me to go hang myself, and I never seriously considered doing so. Nobody ever kicked me down a flight of stairs. And sure, my parents' reaction when I came out to them was ridiculous, but they were still civil rights workers; I'm sure the idea of throwing me out of the house never occurred to them, unlike the parents of many of the 40% of homeless kids who are gay, lesbian, bisexual, or transgender. And they could no more have beaten me senseless than they could have campaigned for public office as segregationists. I had no reason to run away.



    I mean, really. A few of my classmates laughed at me? A teacher thought I was weird? That was the best I could come up with? My parents overreacted to something and grounded me for an unreasonably long time?



    Cry me a fucking river.



    Okay, I thought, unnerved. Remember, I am a brilliant writer. I'll just leave this alone for a few days and see what my fecund brain comes up with.



    "Sarah's piece was posted yesterday," Katie's next email said. "Do you know when we can expect yours?"



    "I'll get it to you any day now!" I wrote back. "☺," I added, in hopes of keeping her from getting angry at me.



    Why don't I just keep writing, I asked myself rhetorically, see where I end up, and then go back and fix the beginning later? "But it got better," I deleted and retyped three times. "It got much, much, much better."



    I went away to college, where I felt free for the first time in my life. I did well and had a great time and made friends for whom I would even today drop whatever I was doing and fly halfway around the world if they asked and if my debit card permitted. I moved to New York and went to grad school, made some more of the same kind of friend, joined a cheerleading squad, learned to knit, taught step aerobics, danced as a go-go boy, taught math to elementary-school kids, went to gay summer camp, wrote some musicals, saw a few of them produced, wrote some books, saw a couple of them published, dated some boys, had sex with a lot more, got a dog, moved in with one of the boys, got another dog, married the boy, and somewhere along the way became myself and watched as the world made room for me.

    And today, the day before Thanksgiving, as I write this on the downtown 3 train, trying to figure out what kind of pie to bake to bring to my mother-in-law's tomorrow for dinner, I look back at my 13-year-old self and am filled with gratitude that he held tight.

    Hold tight for a little while longer, kid. It gets better. I promise.


    And I read what I had written and I was like, oh, fuck me. I might as well have ended it, "and they all lived happily ever after."



    I mean, every word of what I'd written was true, I promise you that. But there was so much I'd left out, like the couple years during my early thirties when I did want to kill myself, desperately--my fantasies went back and forth weekly between jumping in front of a subway train and overdosing on prescription medication--for reasons that had nothing whatsoever to do with my sexuality or anybody's response to it. Or like the heartbreak that having musicals produced and books published tends to bring one instead of making one happy, and like the fact that these enterprises have earned me less money than I would have made temping--enough less, actually, that I lie awake at night figuring out which companies and utilities are least likely to descend upon my credit rating like avenging Furies if I don't pay them this month.



    And like the fact that, unlike some gay people, I've never walked into a sex club full of men fucking each other--I mean, I've walked into a sex club full of men fucking each other; Mary, please--but I've never walked into a sex club full of men fucking each other, been approached by none of them, and had to assume it was because they were white and I wasn't. And that, since both I and my body are male, I've never dated somebody who seemed like the perfect man, revealed to him that I was biologically female, and had to grab hold of a credenza so as not to be sucked into the vacuum created by his instant departure. And that, as somebody attracted only to one sex rather than to both, I've never been mocked both by straight people for liking boys and by gay people for liking girls too, and left in the end with no community at all willing to accept me. And that one night a couple months ago in New York three gay men were beaten, slashed, burned with cigarettes, and sodomized with a baseball bat and a toilet plunger; I don't know what their adolescent years were like so I can't say for sure that this wasn't a step up, but I have a hard time believing that at this moment they feel it's gotten better.



    Or like the fact that much of the time I still feel like an alien from outer space, stranded on this planet with the first draft of a half-finished guidebook in a language I don't speak.



    Which struck me as a lot to leave out, so I deleted the whole thing and wrote a new piece about all this and the cry-me-a-river stuff and I showed it to my friend Sarah and she was like, "You're kidding, right? This might as well be called, 'I Wish I'd Had it as Bad Off as You When I Was Your Age So I Could Have Just Killed Myself Then.' "



    This seemed unwieldy as a title, so I scrapped that version too.



    Which is how I find myself here, terrified that Katie will hate me because I have no idea what to write. "Maybe It Gets Better"? "It Sort of Gets Better, Unless it Doesn't"? "Congratulations! It May Already Have Gotten Better!"?



    And yet I think there is something true, deeply true, in what these "it gets better" messages communicate; I think it does get better. It's just that "better" doesn't necessarily mean that the day you graduate from high school and leave your podunk town somebody is going to be waiting there to hand you a gorgeous boyfriend, a great job, and a puppy. Certainly this may happen, and if it does then please don't tell me because it will make me hate you and cry. But things are probably going to unfold a little differently. The boyfriend may prove elusive. You may get stuck in a frustrating job. You may live in a no-pets building.



    But here are some things that are definitely going to happen:



    First, the world is going to get bigger. Right now, the only territories you can inhabit without anybody's permission are your house and your school. If you're anywhere else--at the mall or the movie theater or the beach, whatever, I have no idea where you kids spend your time these days--you're there on the sufferance of your parents and any adults who happen to be around. Fuck up and display your real self for a moment, and the next thing you know you're sitting in front of somebody in a tie who expects you to be ashamed of yourself.



    When you finish high school, you get to leave this dynamic behind. (Oh, there'll be no shortage of people in ties expecting you to be ashamed of yourself, but you can tell them to go fuck themselves, and there's no such thing as detention in real life. There's prison, of course, but usually you have to do more than tell somebody to go fuck himself to end up there.)



    If you go every day to a place where idiot cretins bully you, then when you finally get sick of it you have the choice to go somewhere else instead. Somewhere else might be another job, it might be your own place in New York or some other metropolis, it might be a shelter in whatever town you can get a bus ticket to or walk to, but the point is that if life sucks where you are, you're allowed to leave.



    The second thing that's going to happen is that, because the world is going to bigger, other people will stop mattering so much. Right now your entire life has forty people in it, or two hundred, or however many are in your class, plus your parents and a handful of other people. If one person is mean to you, that's a pretty large percentage of your world; if that person is popular, then probably a bunch of others follow suit, and before you know it half the people in your life hate you. If half the world is bullying you, mistreating you, ignoring you, insulting you, and abusing you, what other conclusion can you reach but that you deserve to be bullied, mistreated, ignored, insulted, and abused?



    Well, when you leave high school, the population of your world increases by several billion, and, if people you spend time with are bullying you, you can recognize them as assholes and find other people to spend time with. Depending on your circumstances, you might find more or fewer of them, and they might be easier or harder to find--but no matter what they'll be the people you choose to allow into your life. If you're lucky, you'll find some wonderful close friends, as I have, but if you're not as lucky, and find yourself in a group of people who hinder you from becoming the person you want to be, you can dump them and get some new close friends, because as it turns out the planet is covered in stranded aliens, and chances are good that if you meet the right ones and put your guidebooks together with theirs you'll find some of the answers you're looking for.



    But in the end, no matter where you go or who you encounter there, here's what it comes down to: when you reach eighteen, you become the only person allowed to decide anything about what you do with your life (unless, again, you are in prison, where issues of sexuality become very different). Nobody else has the right to decide where you live, who you live it with, what you do with your time. There are practical limitations to these questions, and you will face obstacles in life after high school--Tyler Clementi was a freshman in college, Raymond Chase a sophomore--but you won't need to get anybody else's permission to try to overcome them.



    There's one last thing to say, which is that leaving, though it's what many if not most of us have done, isn't your only option. If the nearest town with any LGBT services is a four-hour drive away and your family has no car, or if you're caring for an ailing parent, or any of a thousand other reasons, or you just feel like staying put, the world can still get bigger--if you make it bigger. And if you're going to finish that guidebook on your own, you might as well start now.



    Get in touch with the American Civil Liberties Union LGBT Project (http://aclu.org/safeschools) and sue your goddamn school; there are a lot of things wrong with this country but at this moment one thing that's very right about it is that when kids like you are in trouble and nobody does anything about it and the ACLU and other LGBT rights organizations find out about it, a lot of people around the country get very upset, and often things change for the better. Or talk to somebody at Parents and Friends of Lesbians And Gays (http://pflag.org) about how to get your parents to support you. Or file a complaint with the federal Office of Civil Rights (http://community.pflag.org/claimyourrights). Or contact the Gay, Lesbian, and Straight Education Network (http://www.glsen.org/cgi-bin/iowa/all/student/index.html) and start an anti-bullying program so your pathetic Neanderthal classmates can learn that there are other ways to assuage their existential confusion and terror than by beating you up. Or all of the above, or something else that nobody has thought of yet. You have the power to make it get better, and there are a lot of people out here who are on your side, and all you need to do to get their help is ask them for it. And the great thing about asking them for it is that, with their involvement, you can help it get better not just for you but also for other kids like you.



    Taking action may or may not be the right choice for you. But either way--and I think this may be what I need to give Katie--there's one thing that you can and should do, no matter who you are, no matter where, no matter what your circumstances:



    Hold tight for a little while longer, kid.



    It gets better.



    Sincerely yours,



    Joel Derfner



    P.S.: If you're thinking about killing yourself or you just feel alone or want somebody to talk to, please, please, please call the Trevor Project, a 24-hour hotline just for LGBT youth, at 800.488.7386 (800-4-U-TREVOR). If you're homeless, then you've already learned much of the above, tragically early, but it can get better for you, too; there are people out here who want to help you, and you can find a list of supportive, welcoming resources for LGBT homeless youth all over the country at http://aliforneycenter.org/resources.html. And if anything I've written here speaks to you, you should go to your local public library and check out my book Swish: My Quest to Become the Gayest Person Ever and What Ended Up Happening Instead, which some LGBT kids have told me has helped them see how it can get better. If your library doesn't have it, email me at joel@joelderfner.com and I'll try to send you a copy, or, if you don't want to risk being seen holding a book with such a title, email you the manuscript.











    After a week of on-and-off rumors about Google making an offer for Groupon, there are now multiple reports that the web giant is close to paying as much as $6 billion for the social-shopping service, which has been growing faster than just about any tech-related company in recent memory — including Google. If true, the deal would be almost twice the size of the search company’s largest acquisition ever (the $3.1-billion purchase of DoubleClick in 2007), and would be a gigantic bet on two trends that Google has so far failed to really take advantage of: namely, the movement of local advertising onto the web, and the rise of social behavior online.


    Google’s $1.65-billion acquisition of YouTube in 2006 makes a good comparison for its apparent interest in Groupon: At the time, online video — and just as important, the sharing and embedding of that video — was clearly the future of the web, but Google was a tiny player in that market and wanted to get big quickly. So it paid what seemed like a massive amount of money at the time for the startup, and has spent the past few years trying to figure out how to monetize that content.


    The nice part about Groupon is, while YouTube was located more towards the social end of the spectrum and less the monetization end, the group-buying service is a monetization machine — although one that is also socially oriented, since it takes advantage of consumers’ desire to trigger discounts by forming a group. Clearly one of the big attractions for any acquirer is the fact that Groupon is bringing in an estimated $50 million in revenue a month, and expects to close the year with more than half a billion dollars in sales. That’s after less than two years in existence.


    Why has Groupon been able to grow so quickly? As I outline in my latest GigaOM Pro report (subscription required), the startup’s rapid success is a sign of how explosive the power of social media can be when applied to a revenue-generating idea like coupons. As co-founder and angel investor Eric Lefkofsky described in a recent interview about Groupon, the company (which was originally called The Point, and focused on connecting people around social issues and activism) didn’t really take off as a business until it married the viral nature of a group-buying offer with the desire by local retailers to reach out to potential customers. Email is the company’s primary method, but it’s also fueled by social networks like Twitter and Facebook.



    More than anything, Groupon has been riding the social-advertising wave, which is something Google desperately wants to own. In many ways, it’s the next step beyond AdWords and AdSense: While those products involve advertising keywords that sit next to searches and capture surfers who are looking for information about specific topics, Groupon reaches out to people who may not even know they want the item yet. The company’s DoubleClick acquisition gave it control of banner advertising, but banners are the past; social advertising is the future. As Macquarie Research analyst Ben Schachter said in a research note this morning, the purchase “is about much more than Google generating revenue from emailed coupons — it’s about Google’s ability to potentially access and utilize the social graph for eCommerce.”


    The other important aspect of the deal is that it is primarily focused on local or regional businesses. Groupon has also started promoting national deals of the kind it did with The Gap, but the company’s real power is in helping small and medium-sized retailers, restaurants and other merchants connect with customers directly, and boost demand for their services and products. That’s a market Google hasn’t been able to really capitalize on, despite attempts to do so through its Places feature. That was the rationale behind the web giant’s reported interest in buying Yelp — a deal which didn’t go forward, for unknown reasons — and it is driving its interest in Groupon as well.


    What would web advertising look like if Google were to acquire Groupon? Instead of just keyword ads targeted to what you searched for, you could start to see offers directed specifically at your location, or based on things you have searched for in Google Places, or places you have checked in at through Google Latitude, or services you have rated via the web giant’s new and somewhat underwhelming Hotpot recommendation service. Google’s knowledge of algorithms could provide better matching and sorting of those deals, and the search company could also use the knowledge that it gains from Groupon’s millions of users and advertisers to fine-tune some of its other locally focused services.


    In a recent interview, Don Rainey of Grotech Ventures — an investor in Groupon’s largest competitor, LivingSocial — talked about a future in which consumers and local businesses could participate in a kind of real-time auction-style marketplace for deals on products and services, so people looking for deals on dinner tonight could survey the offers from local restaurants and pick the ones they wanted, and merchants could fine-tune their offers based on real-time demand. That is one future that Google desperately wants to be part of, and $6 billion probably seems like a small price to pay for a seat at that table. For more on Groupon, please see my GigaOM Pro report.


    Related GigaOM Pro content (sub req’d):



    • Why Google Should Fear the Social Web

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

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


    Post and thumbnail photos courtesy of Flickr users Groupon and TechCrunch



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    bench craft company scam

    Thursday, December 23, 2010

    Making Money in Wotlk

    [blogsearch]
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    WarioWare D.I.Y. games cover 2010 <b>news</b> | Joystiq

    British mag NGamer put together a clever 2010 "year in review" of mainstream news using WarioWare DIY. Some of the referenced incidents may be obvious internationally, while others are quite UK specific, so we made a list of the ...

    Bad <b>news</b> from freed detainee: The Jews used witchcraft on me at <b>...</b>

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    iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.


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    WarioWare D.I.Y. games cover 2010 <b>news</b> | Joystiq

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    Bad news from freed detainee: The Jews used witchcraft on me at Gitmo.

    Path adds Video Moments | iLounge <b>News</b>

    iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.


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    WarioWare D.I.Y. games cover 2010 <b>news</b> | Joystiq

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    Bad news from freed detainee: The Jews used witchcraft on me at Gitmo.

    Path adds Video Moments | iLounge <b>News</b>

    iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.


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    WarioWare D.I.Y. games cover 2010 <b>news</b> | Joystiq

    British mag NGamer put together a clever 2010 "year in review" of mainstream news using WarioWare DIY. Some of the referenced incidents may be obvious internationally, while others are quite UK specific, so we made a list of the ...

    Bad <b>news</b> from freed detainee: The Jews used witchcraft on me at <b>...</b>

    Bad news from freed detainee: The Jews used witchcraft on me at Gitmo.

    Path adds Video Moments | iLounge <b>News</b>

    iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.


    bench craft company scam

    WarioWare D.I.Y. games cover 2010 <b>news</b> | Joystiq

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    Bad <b>news</b> from freed detainee: The Jews used witchcraft on me at <b>...</b>

    Bad news from freed detainee: The Jews used witchcraft on me at Gitmo.

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    WarioWare D.I.Y. games cover 2010 <b>news</b> | Joystiq

    British mag NGamer put together a clever 2010 "year in review" of mainstream news using WarioWare DIY. Some of the referenced incidents may be obvious internationally, while others are quite UK specific, so we made a list of the ...

    Bad <b>news</b> from freed detainee: The Jews used witchcraft on me at <b>...</b>

    Bad news from freed detainee: The Jews used witchcraft on me at Gitmo.

    Path adds Video Moments | iLounge <b>News</b>

    iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.


    bench craft company scam

    WarioWare D.I.Y. games cover 2010 <b>news</b> | Joystiq

    British mag NGamer put together a clever 2010 "year in review" of mainstream news using WarioWare DIY. Some of the referenced incidents may be obvious internationally, while others are quite UK specific, so we made a list of the ...

    Bad <b>news</b> from freed detainee: The Jews used witchcraft on me at <b>...</b>

    Bad news from freed detainee: The Jews used witchcraft on me at Gitmo.

    Path adds Video Moments | iLounge <b>News</b>

    iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.


    bench craft company scam

    WarioWare D.I.Y. games cover 2010 <b>news</b> | Joystiq

    British mag NGamer put together a clever 2010 "year in review" of mainstream news using WarioWare DIY. Some of the referenced incidents may be obvious internationally, while others are quite UK specific, so we made a list of the ...

    Bad <b>news</b> from freed detainee: The Jews used witchcraft on me at <b>...</b>

    Bad news from freed detainee: The Jews used witchcraft on me at Gitmo.

    Path adds Video Moments | iLounge <b>News</b>

    iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.


    bench craft company scam

    WarioWare D.I.Y. games cover 2010 <b>news</b> | Joystiq

    British mag NGamer put together a clever 2010 "year in review" of mainstream news using WarioWare DIY. Some of the referenced incidents may be obvious internationally, while others are quite UK specific, so we made a list of the ...

    Bad <b>news</b> from freed detainee: The Jews used witchcraft on me at <b>...</b>

    Bad news from freed detainee: The Jews used witchcraft on me at Gitmo.

    Path adds Video Moments | iLounge <b>News</b>

    iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.


    bench craft company scam

    WarioWare D.I.Y. games cover 2010 <b>news</b> | Joystiq

    British mag NGamer put together a clever 2010 "year in review" of mainstream news using WarioWare DIY. Some of the referenced incidents may be obvious internationally, while others are quite UK specific, so we made a list of the ...

    Bad <b>news</b> from freed detainee: The Jews used witchcraft on me at <b>...</b>

    Bad news from freed detainee: The Jews used witchcraft on me at Gitmo.

    Path adds Video Moments | iLounge <b>News</b>

    iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.


    bench craft company scam

    WarioWare D.I.Y. games cover 2010 <b>news</b> | Joystiq

    British mag NGamer put together a clever 2010 "year in review" of mainstream news using WarioWare DIY. Some of the referenced incidents may be obvious internationally, while others are quite UK specific, so we made a list of the ...

    Bad <b>news</b> from freed detainee: The Jews used witchcraft on me at <b>...</b>

    Bad news from freed detainee: The Jews used witchcraft on me at Gitmo.

    Path adds Video Moments | iLounge <b>News</b>

    iLounge news discussing the Path adds Video Moments. Find more Apps + Games news from leading independent iPod, iPhone, and iPad site.


    bench craft company scam

    Wednesday, December 8, 2010

    About Making Money

    It's as if the Fed was functioning in a complete vacuum and has never heard of foreclosure fraud.




    WASHINGTON — As Americans continue to lose their homes in record numbers, the Federal Reserve is considering making it much harder for homeowners to stop foreclosures and escape predatory home loans with onerous terms....



    Since 1968, the Truth in Lending Act has given homeowners the right to cancel, or rescind illegal loans for up to three years after the transaction was completed if the buyer wasn't provided with proper disclosures at the time of closing.



    Attorneys at AARP have used the rescission clause for decades to protect older homeowners stuck in predatory loans with costly terms. The provision is also helping struggling homeowners to fight a wave of foreclosure cases in which faulty and sometimes-fraudulent disclosures were used....



    Critics say the proposed change by the Fed would render the rescission clause useless. The Fed proposal would require homeowners who seek a loan rescission through the courts, to pay off the entire loan balance before the lender cancels the lien.



    "This, of course, would be almost impossible for most consumers to do because they can't come up with the money until they get out of the loan. And they can't get out of the loan until the lien is released," said Barry Zigas, director of housing and credit policy at the Consumer Federation of America. "None of us are quite sure what purpose is being served by this proposal or what prompted it."



    According to the New York Times which ran an editorial against the proposal earlier in the week, the Fed wants to eliminate this protection for homeowners because of their “concern over banks’ compliance costs." Since the Fed certainly can't be concerned about banks fraudulently taking people's homes from them.



    What Zach Carter says:




    It’s hard to imagine a way for the Fed to disgrace itself any further than it did by failing to rein in the mortgage mess over the past decade. But if it proceeds with this effort to protect banks that engaged in predatory lending, it will not only be guilty of falling down on the job and looking the other way, but of actively encouraging illegal mortgage lending.



    Andy Rubin, the VP of engineering at Google responsible for mobile, has revealed that the company’s rapidly expanding Android operating system would be profitable if it was broken out as its own business.

    Asked by The Wall Street Journal’s Walt Mossberg at the D: Dive Into Mobile conference in San Francisco if the division is making money for the search giant, Rubin responded affirmatively with a “yes.”

    Mossberg pressed on the issue, noting that class='blippr-nobr'>Google’sclass="blippr-nobr">Google mobile revenue still primarily comes via ads from Google mobile search — searches that occur both on class='blippr-nobr'>Androidclass="blippr-nobr">Android devices and iPhone and other platforms (i.e., Google would be making that money with or without Android).

    Rubin conceded that “there’s no way would’ve ever been profitable as a startup company,” (Rubin sold Android to Google in 2005) but says that the resources provided by Google’s enormous advertising revenue streams and the ability to offer Android open source have allowed Android to pursue a business model that’s become profitable.

    Although Rubin wouldn’t break out exactly how Android makes money, he did reveal that there are now 172 phones on the market running Android, the latest of which, the Nexus S, was revealed earlier today. That’s a lot more smartphones that drive a lot more mobile searches, and presumably, that’s how Rubin’s math adds up.

    Rubin credited Android’s success to its open source model, making it easy for any manufacturer or carrier to offer devices, saying “It’s … frictionless for OEMs no matter where they’re doing the manufacturing … without a contractual relationship or having money change hands.”

    He did concede, however, that the Nexus One business model — offering unlocked phones direct to consumers via the web — was not a good business one for Google to pursue and that the provisioning and activation of mobile phones is best left to the carriers. “We thought it would be better to spend our resources on things like Gingerbread,” (the latest Android OS) he said.

    For more Mobile coverage:

      class="f-el">class="cov-twit">Follow Mashable Mobileclass="s-el">class="cov-rss">Subscribe to the Mobile 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

    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

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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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!


    bench craft company scam

    Fox <b>News</b> Is Almost As Important As ESPN, And Wants Subscriber Fees <b>...</b>

    News Corp. is looking to increase subscriber fees for Fox News Channel -- "That channel in the cable world is right there with ESPN," says COO Chase Carey.

    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 ...

    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!