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Tuesday, March 22, 2011

Portraits of Uyghur People

In the center of the desert landscapes of Taklamakan, in the northern-west part of China, the province of Xinjiang is a very least populated land while it covers near to a sixth of the nation's territory. Having resisted while in hundreds of years the chinese domination, Xinjiang Uyghur Autonomous Region, or Old Turkestan, fell within the Chinese Han domination in 1949. From then, its population is primarily Uyghur People and Turkic - speaking System.

Islamic most importantly, the Uyghur people have a very good religious identity that, in specific, allowed them to protect a strong difference towards the Chinese invader. Certainly, the Uyghur Empire of Mongolia knew a amazing civilization, until its absorption by the Mongolian Empire in the XIIIth century.

During their history, the Uyghurs successively taken on Shamanism, Manicheism, Buddhism and the Nestorianism before finally converting to Islam when the Arab conquerors beat the Chinese in year 751 BC., thus opening the way to the Islamization of the complete Central Asia.

Under the effect of the religions which they taken on, Uyghur People taken successively, and at times in a competing way, a great number of written forms (turco-runic, brahmi, tokharien, soghdien) before developing their own unique graphic system.

The entrance of Islam was a great change because it was supported by the absorption of the Uyghur land in the enormous Turco-Mongolian and Muslim Empire. Thus, the descendants of Genghis Khan progressively replaced their writing by a Arabo-Persan alphabet, still used at present.

If their writing, their own language and their religion mark a real difference with the tradition of Chinese Han, the Uyghurs also differ from their aspect, so aspect of Central Asia's people. A matt skin, eyes representing a whole pallet of colors, from black to deep blue, features directing out to the Mongolian, Turkish or Uzbek origins of these men and these women.

For a few years, China has integrated the proper identity of these remote people, though they represent only eight million population - a trifle for this kind of big country. So, the Uyghurs are now part of the fifty six racial minority groups having been well known in an official way by the People's Republic of China.

This particular law will allow them a few privileges in a land where their big difference is very often repressed. Thus, Uyghur people escape the "single child policy" and their language is recognized as the second official language in Xinjiang Uyghur Autonomous Region.

The integration of the Uyghur people and their culture in the People's Republic of China, however, seems really illusory. The presence of natural sources in Xinjiang Uyghur Autonomous Region, and its area with locations recognized as sensitive, highly urged the government to increase the sinicization of this area. Million of Han thus came to settle in this new Chinese eldorado, monopolizing the more significant responsibility job opportunities.

In response to this true will to assimilate the Uyghur people into the Chinese culture, an independent party like East Turkistan Islamic Movement(ETIM) was born in the early 1990.

Asserting more freedom, but mainly the acceptance of their true identity, this movement was severely repressed by the power authorities in place Xinjiang Uyghur Autonomous Region.

The events of September 11, 2001, were the perfect occasion for the Chinese government to justify true reprisals: they declared the "Uyghur freedom fighters" as dangerous terrorists linked to Al Quaida because of their Muslim origins and their proximity with Pakistan and Afghanistan... However, the terrible repression which followed did not calm down the anger. The Uyghur peoples population continues today to proudly continue to keep their identity and their traditions , although they become a minority on their own land.

To get more detailed information about Uyghur people, you can visit a Uyghur website called Uyghur News at http://www.uyghurnews.com

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Wednesday, March 16, 2011

foreclosure report

In Part I of this series we discussed the media's failure to accurately report the scope and nature of the banker crime wave around foreclosure fraud, and talked about the confusion over reports that the Administration has proposed a framework for settling the fifty-state lawsuit against the banks. (Hmm ... wonder why there wasn't a Federal lawsuit, too?)

Is there really an Administration proposal for a deal? Given the number of reports and the absence of denials from the White House, the answer appears to be ... sort of. It seems clear that the Administration's proposing to create a $20 billion fund at the banks' expense which would be used to help underwater homeowners, and that the banks would administer this fund themselves (we'll respond to the proposal outline in Part III of this series). But even that's not 100% certain, since reports suggest that there's still infighting among government agencies.

Reuters reports that the Consumer Financial Protection Bureau (CFPB) and Federal Deposit Insurance Corporation (FDIC) folks are pushing for a larger settlement, but that the Office of Comptroller of the Currency (OCC) thinks the proposed settlement is already too big. All of this alphabet soup is beginning to spell out a slang expression that describes the government's handling of this situation with pinpoint accuracy. That expression begins with "cluster" and ends with the word Melissa Leo introduced to the Academy Awards last Sunday night.

The virtual ink was barely dry on the initial reports of an Administration proposal when Reuters reported that "regulators' efforts to settle with banks over improper mortgage foreclosures are being hampered by disagreements among the groups involved over the size and shape of an accord." Other stories then elaborated on the squabbles among Federal agencies over the scope and nature of the proposed settlement. It seems as if everybody in the Federal government is running to the press so they can put their own spin on a proposed deal.

It looks like we're observing a serious vacuum in leadership during a time of crisis. This vacuum, together with the confusion that's been created in the press as everybody pushed their own agenda, has left the public becalmed in fog-shrouded waters somewhere between Conflicting Viewpoints, Absolute Bewilderment, and WTF.

(Hey, you know what would be great? It would be great if all of these Federal agencies reported to a single person - and that person was empowered to make an executive decision on behalf of the entire executive branch of government. You could call that person the "Chief Executive," or ... but I digress.)

Despite all the confusion, the outlines of the Administration's proposal seem to be coalescing around three main provisions: Banks would have to write down the principal on underwater mortgages with $20 billion of their own money (investors in mortgage-backed securities and other instruments would not be held responsible), and they would implement their own mortgage modification programs. No government money would be used to reduce principal.

Any proposal from the Federal government would have to be accepted by the states before being presented to the banks. Based on what we've learned so far, does this proposal provide the right framework for a comprehensive settlement? We'll save our conclusion for the third and final installment of this series, but here's a sneak preview:

No.

There has been evidence here and there of a marked fall in new foreclosure filings. Lender Processing Services, which handles more than half of the loans serviced in the US, said its revenues in its Default Services Group were down in the final quarter of the year. Why? Its revenues are tied to initial foreclosure filings, and its were off 33%, no doubt in large measure due to the robo signing scandal. Recall that it led many banks to halt foreclosures (some all over the US, others in judicial foreclosure states only) while they inspected the state of play and scrambled to revamp procedures. Banks piously claimed that they found no problems in the correctness of foreclosure actions and that ex making the changes needed to assure affidavits were proper, they were going to be back to business as usual post haste.

Now we already know that that isn’t the case. Since the robosigning scandal broke, foreclosure activity has been down. RealtyTrac reported that foreclosures in January were up only 1% over December levels, which was down 17% from the year prior.

But RealtyTrac captures every foreclosure filing in that particular report, so it is a mix of new foreclosure filings plus additional filings for foreclosures already underway (the number of filings required varies by state, but the minimum number is three, and the number can also be increased if a borrower gets a foreclosure suspended, say by entering into a payment catchup plan, and then has the process restarted later on).

Lynn Syzmoniak of Fraud Digest provides a snapshot for January 1 through January 26 in two counties in Florida, Lee County and Palm Beach County:

Her tally for US Bank over the same period covered only Lee County, but showed similar results: 42 new foreclosures for 2011 versus 143 for 2010.

Now merely eyeballing this sample, and assuming it is representative of Florida (Syzmoniak says other counties show similar patterns), it’s clear the decline is bigger than the 33% fall that LPS mentioned for the fourth quarter of 2010 or the 17% figure from RealtyTrac.

There are reasons why Florida might show a steeper fall than other states. First, the state AG has been investigating all the major foreclosure mills in the state. Some, like the Law Offices of David Stern, have effectively folded. So there could be a bit of disarray simply due to the loss of some processing capacity.

Second, Florida, like New York, has implemented a rule requiring that attorneys verify information provided in foreclosures. That might seem to be merely ceremonial, since lawyers are already responsible for the accuracy of information provided to the court. But I am advised that this measure is more than mere belt and suspenders; it apparently would have the effect of lowering the bar for opposing counsel calling for Rule 11 sanctions if he thought the foreclosing attorney was submitting bogus documents or information. That rule did became effective February 11, 2010 (hat tip Lisa Epstein), and the foreclosure mills have tried to escape compliance. I’d imagine in the wake of the robo signing scandal, their clients are becoming less tolerant of this sort of thing.

If this pattern holds across at least across judicial foreclosure states, it suggests what we have long argued: that failures to convey loans as required by securitization documents are widespread, if not pervasive. Now that servicers and foreclosure mills are finding that a lot of judges no longer take them at their word, which means they increasingly have to provide documentation, they may be finding that a lot of their records do not pass muster. And while document fabrication was once an easy way out, that strategy is a lot riskier than it used to be.

Reader input welcome. Do you have any local data on the level of new foreclosures in 2011 versus same period 2010?

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Monday, March 14, 2011

Making Money Scam

There are two major economies today in the world which are growing at a fast rate — India & China. In fact, both are being watched closely, and analysts predict that they will be the future economic super powers. There are varying reports as to who is outpacing the other.

Sadly though, there has been a negative side of this development as well: corruption and scandals are increasing alarmingly. And the magnitude of loot involved, as well as the large number of cases which are surfacing, makes one wonder what cost will society have to bear if unbridled corruption wreaks disaster on the development phenomenon. For, though scandals have been exposed and investigations are ordered, there has never been a single case of public money having been recovered. It is you and I who have to make good this loss to state exchequer by paying additional taxes.

In the eighties, there was the Bofors scandal. Rhetoric & politics aside, nothing tangible has happened to this date. Then there were stock market scandals, fodder scam and several others. But, what is being witnessed in the last few months in India is unprecedented. First, there was this Commonwealth Games scam (Rs. 15000 million or US $326 million), {Rs. 1300 Crore deficit for Commonwealth Games, taxpayers will Pay} followed by the biggest ever 2G Spectrum Scam [] {What is 2G Spectrum?} (Rs. 1700000 million or US $ 38260 million). The list of recent spate of scams is long.

The deadliest cancer society is afflicted with today is corruption. If you it look up on Wikipedia, it describes the adjective form corrupt as ‘utterly broken’. That precisely describes the state of society as a result of this rotten practice by human beings the world over.

The disregard for spiritual or moral conduct for material pursuits leads to a depraved mental state in which the individual chases illicit wealth or other objects of desire.

This is an attempt to reflect on the many dimensions of this pervasive hydra-headed monster. At the extreme inner core of this evil practice is the perverse desire of the individual for self-gratification borne out of extreme greed. The frustrating thought that it has not been controlled, let alone eradicated, even though it is projected to be unlawful and damaging to society, makes me sick.

Continued on the next page

American leadership is reliable in one respect: it consistently undershoots my already low expectations.

Or maybe I have it backwards because I keep forgetting who the authorities are really serving, and it clearly isn’t you and me. As we will discuss below, the latest scam is that the banking regulators are finalizing a mortgage “breakdown” settlement, and they’ve evidently decided to let the industry off the hook for a mere $20 billion.

In Saudi Arabia, the royal family has just offered $36 billion worth of concessions in an effort to placate an increasingly unruly public (this appears to be in addition to pledges to spend $400 billion on education, health care, and infrastructure by 2014). This is in a country with a population just under 26 million, including over 5 million non-nationals who presumably aren’t eligible.

Now you can easily pooh pooh this comparison, since Saudi Arabia is an autocratic country desperately throwing around money to buy off dissidents, right? But this is the kind of money a leadership group will shell out when pressed to defend an existing order. And the US was very quick to hand out funds right, left, and center during the financial crisis. It’s continuing to do so now in less obvious ways, by continued life support for the mortgage market through Fannie and Freddie, the Fed’s super low interest rates and QE2, and non-monetary measures, most important its refusal to make any sort of serious investigation into what happened in the crisis and prosecute key actors.

Most observers, yours truly included, had expected very little from the multi-regulator “foreclosure task force” announced last year. It was clearly designed to be an even more cosmetic exercise than the stress test charade, which does take a certain amount of brazenness (or more likely, confidence in the public’s inability to follow the three card monte). But a bad situation devolved; the Treasury had appeared to be in charge, and that department at least tries to put a minimum level of professional spit and polish into its charades. When OCC acting chair and chief bank enabler John Walsh got up to speak in an official capacity about the process in last week’s Senate Banking Committee hearings, it was evident there was not even going to be an effort to pretend that this was a serious undertaking.

Even so, the mortgage “settlement” trial balloon floated in the Wall Street Journal this evening is an offense to common sense and decency. Notice how the word “fraud” is pretty much verboten in the MSM; the latest code word for what went awry is “breakdown”. This implies a benign sort of neglect, simply of not doing sufficient maintenance which led fussy machinery to quit working. It is mean to avoid contemplating, let along uncovering, Pinto-type decisions of weighing the costs of making the vehicle safer versus the litigation losses resulting from incineration by exploding gas tanks.

The magic number across the industry is a mere $20 billion in civil fines or payments to fund loan mods. We know from BP not to have a great deal of confidence in settlement funds. It is not yet clear what scope of activities get a free pass (fraudulent servicer charges and impermissible compounding fees? failure to convey notes to mortgage trusts as stipulated in the PSA? foreclosing on home where HAMP mods had been promised?) but the industry will want any waiver to be as broad as possible. But in any kind of settlement of fraud, like securities fraud charges, various responsible parties are also barred from working in the industry, sometimes for life. None of that is on the table.

The plan involves having servicers give borrowers principal mods, but obviously only to the extent of the fund amount. The WSJ story announces that mortgage investors will suffer no losses. This shows how backwards the logic here is. Investors would LOVE principal mods to qualified borrowers; it’s far better than taking 70%+ losses on foreclosures. So saving RMBS investors any pain should never have been a feature of the plan design. And that means it is really a fig leaf for avoiding writedowns on second liens, which are heavily concentrated in the four biggest TBTF banks.

The officialdom is taking the stance that only a small number of borrowers suffered wrongful foreclosures. The HAMP fiasco alone makes that patently untrue. And the regulators’ failure to compare servicer records with borrower records (the short time frame of the task force effort guarantees that did not take place) makes this a garbage in, garbage out exercise. And that’s before you get to the question of fraudulent servicer charges, which foreclosure defense lawyers say represent 50% to 70% of the cases they handle (it’s easier to win based on standing so court records do not reflect the borrower reason for choosing to fight the foreclosure). Without an audit of servicer software, this regulatory assessment was a simple “see no evil” exercise.

Nor do I see any mention of imposing new servicing standards on banks, another massive oversight.

The servicers, as well as Fannie and Freddie, would be required to provide principal mods. But given the meager settlement amount, this is a complete and utter joke. The mods will be too shallow and too few in number to help either borrowers or the housing market. Both J.C. Flowers and Wilbur Ross, both very tough minded investors, have found deep principal mods work, and research supports their views. Why are borrowers going to struggle to make home payments when they still face a loss and/or a big tax bill when they try to sell the home?

If you assume a combined first and second mortgage balance of $200,000 and a mod of 10%, or $20,000, which is too low to make much difference to borrowers and well short of what investors would accept (given 70%+ expected losses on a foreclosure, 25% to even 50% is a no brainer), you get 1,000,000 mods. That sounds peachy until you realize that nearly 30% of the homes in the US, a total of 15.7 million, are underwater and prices are projected to fall further this year. And most are underwater by more than 10%. So even if this works as advertised, who gets help is likely to be capricious and the amount of help will be insufficient.

And as Marcy Wheeler correctly points out, this program is really HAMP 2.0. When a small group of bloggers visited the Treasury last August, HAMP was such an obvious failure that the staff didn’t even try hard to defend it. One of the excuses offered by Geither was that Treasury lacked authority over servicers (a point I disputed, since Treasury has plenty of leverage at its disposal). So there isn’t even any reason to believe the banks (ex perhaps the Fannie and Freddie loans) will live up to their commitment do a paltry number of mods. As Marcy noted:

…basically, it sounds like HAMP II–a “plan” that still lets banks decide how to implement that “plan”–with the sole improvement on HAMP I that it requires 2nd Liens to be “reduced” (but not eliminated) in the process of modifying the first liens.

The deal wouldn’t create any new government programs to reduce principal. Instead, it would allow banks to devise their own modifications or use existing government programs, people familiar with the matter said. Banks would also have to reduce second-lien mortgages when first mortgages are modified.

The good new is it does not sound like there is a deal agreed. The powers that be have yet to corral the state AGs (since when were they going to be part of this scheme?) and the servicers themselves.

So readers can help create heat on the officialdom. It would be very useful to come up with estimates of various types of damages (and it needs to be bottoms up, not “the global financial crisis cost X trillion and at least 25% is the fault of these clowns). First would be a list of types of damage done, and it should be mutually exclusive, and ideally collectively exhaustive. Next are any factoids that would help dimension the level of overall damage per category. For instance, some readers yesterday started using the Massachusetts lost recording fee estimate to try to ballpark the recording fees lost to MERS on a national basis.

Having the level of damages (which would certainly wipe out the banks, but we want everyone reminded of that fact, that any “settlement” is yet another gimmie) then serves as a basis for talking about monetary settlements and other required behavioral changes. The adverse reaction to the Center for American Progress’ Fannie and Freddie “reform” trial ballon apparently did put the powers that be on the back foot; reader information gathering and ideas here would be of great value in putting forward an even more forceful rebuttal to this disgraceful proposal.

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Friday, March 11, 2011

Secrets to Making Money

Founded in 2009 by Amanda Steinberg, DailyWorth is mostly a everyday email newsletter that includes information and facts on monetary literacy and funds management skewed in the direction of a female audience. DailyWorth’s topics range from easy methods to organize your finances to tax tricks to saving guidance. And DailyWorth has an amazing editorial workers to produce written content. MP Dunleavey, earlier a own finance columnist with all the Ny Occasions and now a contributor with Capital magazine, is major DailyWorth’s editorial team.

Inspite of unions’ extended hatred of Scott Walker, the new governor is shifting to tackle both the indicators with the disease and therefore the illness itself-the public-sector union scheme which has molested Wisconsin’s taxpayers and their young people by gaming the strategy. Unions like Wisconsin’s teachers’ union [WEAC] (which was Wisconsin’s biggest-spending lobby in 2009) have already been extraordinarily adept at correcting the technique by using shelling out millions to elect politicians who, in flip, reward the unions at the expense for the taxpayers.

the Wisconsin battle, when in comparison with private-sector negotiations is about: one) the Scope of Bargaining, two) Union “Income” Safety [Right-to-Work vs. Forced Dues], 3) if Wisconsin need to be the unions’ dues assortment company [payroll deduction of dues], and 4) regardless if public-sector unions should be ‘recertified’ by holding elections every 12 months.

place the photographs on the net to show our assignments group at msnbc.com, and photographer Jim Seida explained, why really do not we just publish it being a slide show? I was skeptical at first - would that crimp the composing? - but with the finish I was advocating executing it this way when the photograph group was skeptical. I considered far more men and women would read through by using it by doing this, and it might be worth an experiment.”

industrial fishing boats based in Crescent Metropolis put to sea final evening once the tsunami alert was first of all broadcast. It truly is easier to ride out enormous waves at sea than on the dock. Now many of these boats are working very low on fuel, nonetheless they are unable to return to port though the surges continue, stated Chris Renner, proprietor of C. Renner Petroleum Co. in Crescent City, which serves the fleet

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Making Money Working

On Monday night, I watched my to start with, The Previous Word host Lawrence O’Donnell.
Even though O’Donnell laudably experimented with to emphasis the audience’s attention onand hopefully previous, Charlie Sheen trainwreck interview, courtesy of the tragic undertow that threatens to pull Sheen underneath for wonderful, I used to be overtaken, not by the pulling on the thread, as well as voracious audience he serves. It did not make me unhappy, it made me angry.

Regarding celebrities, we are able to be considered a heartless nation, basking in their misfortunes like nude sunbathers at Schadenfreude Seaside. The impulse is understandable, to some diploma. It could be grating to listen to complaints from men and women who delight in privileges that most of us can’t even consider. If you happen to can not muster up some compassion for Charlie Sheen, who helps make a great deal more money for any day’s get the job done than most of us will make within a decade’s time, I guess I can’t blame you.

With the quick pace of occasions online and the knowledge revolution sparked through the Online world, it’s especially quick for the technology industry to presume it’s exclusive: regularly breaking new ground and engaging in facts that no one has ever performed in advance of.

But there are actually other types of home business that have already undergone several of the same exact radical shifts, and also have just as great a stake while in the long run.

Consider healthcare, as an illustration.

We regularly imagine of it as a large, lumbering beast, but in reality, medication has undergone a sequence of revolutions while in the previous 200 many years that happen to be not less than equal to those we see in technological innovation and data.

Much less understandable, but nonetheless inside of the norms of human nature, will be the impulse to rubberneck, to slow down and look into the carnage of Charlie spectacle of Sheen’s unraveling, but from the blithe interviewer Sheen’s existence as we pass it with the most suitable lane of our everyday lives. To get truthful, it may possibly be difficult for customers to discern the distinction between a run-of-the-mill interest whore, and an honest-to-goodness, circling the drain tragedy-to-be. On its very own merits, a quote like “I Am On the Drug. It is Named Charlie Sheen” is sheer genius, and we can’t all be expected to take the complete measure of someone’s existence every time we hear something amusing.

Extremely fast ahead to 2011 and I'm trying to look into usually means of staying a little more business-like about my hobbies (mainly audio). From the conclude of January I had manned up and began to advertise my blogs. I had put together many diverse weblogs, which had been contributed to by buddies and colleagues. I promoted these actions as a result of Facebook and Twitter.

2nd: the tiny abomination the Gang of 5 around the Supream Court gave us a 12 months or so in the past (Citizens Inebriated) really consists of a bit bouncing betty of its own that may incredibly perfectly go off during the faces of Govs Wanker, Sacitch, Krysty, and J.O. Daniels. Considering that this ruling extended the concept of “personhood” to the two businesses and unions, to test to deny them any appropriate to operate within the legal framework that they had been organized below deprives these “persons” with the freedoms of speech, association and movement. Which suggests (after again, quoting law school educated spouse and children) that possibly the courts have to uphold these rights for that unions (as individual “persons” as guaranteed through the Federal (and most state) constitutions, or they've to declare that these attempts at stripping or limiting union rights really need to apply to serious firms, also.

There's plenty of blame to go around! I have been a "quit your job!" evangelist. I have hustled entrepreneurism in magazines; we even run a quit yer job column right here (and there's a good interview coming later today!). I have a great rationale for this position: it is that working conditions have turned to a state of serious suck over the last decade and many employers have demonstrated that they don't give a flying fig about workers, and the only way to even consider retirement in the future is either on your own dime or on the streets.

So yes, do it! And but also… The air in this bubble isn't being recycled very well. The biosphere is a little stinky! No offense to a smart little idea, but LaunchRock is what did me in, and now the NYC Startup Bus is driving over my soul on its way to SXSW.

LaunchRock is a startup that services startups with a jazzy signup-for-beta-invite page and… no, wait, that's it! LaunchRock is incredibly useful, in that you can keep track of all the startups that are about to startup! Like Elephant. What could it be? WHO KNOWS, let's sign up. I hope it's for dream journalling! Social networked dream journalling, man, I would almost pay money for that.

And if you're not glued to the live updates from the Startup Bus that is on its way to Austin, you are missing out. They are starting startups on the startup bus! It's been a tough morning, clearly:

8:57 a.m. — Buspreneurs are pitching their startup ideas, and other buspreneurs are trying to shoot them down. "The whole bar trivia thing isn't really monetized yet."

You know what I wish someone would start-up for me? A widget that would autorefresh that page in a window every 10 minutes so that I don't miss a single absurd word.

There's still good news about the bubble. Like, all my friends are going to get insane money to run their companies. Let's hope some of them show a return! There's going to be nothing sadder than a bunch of 34-year-olds that have given up and been worn down, wearing their kryptonite neck-irons of expansive bubble burn-rate in the isolation of their grey office cubicles.

Let's hope they remember the fun of the crazy times! We're living in a world where venture capitalists have the time to write blog posts about how to write email subject lines that will get them to open your email due to them not having any time.

Even the most zealous haven't forgotten that something killed the dinosaurs, is what the people who are down on this fun little segment of upturn say. Terrorism, swine flu 2.0, war, a derivatives market disaster, the elimination of government-run services, President Palin, something something China, all the palladium gets mined, Google gets MySpaced—who can tell in advance? The fun thing about our modern age is that the meteor is always already about to hit the roof of the bubble, it's just not identifiable until afterwards (hello, Nevada's housing market!), when we're picking up the pieces and working at Walgreen's.

Or you know what else might happen? Nothing! People might just keep making money in one company out of eight or whatever, and everything just shuffles along. The free market, baby.

All that being said, I bet if you wanted to put a little money into a smart and successful editorial company, drop me an email, I bet we could work something out. Couldn't we? While the incubators and angels are awesome—low-cost, high-adventure quotient, great schemes—the real future of startups isn't investment money. It's very little money, because the person with the big checkbook actually almost always turns out to be your boss.

Actually, these bastards are going to end up hanging themselves on a couple of points (not my words, but family deeply involved in the legal business as lawyers and law professors).

First, there is a little point of technicality called the “Equal Protection Clause(s) of the U.S. Constitution, which pretty pointedly states that it is not exactly legal to try to deny guaranteed rights (under the constitution) from any one group of citizens. This is what ultimately torpedoed much of segregation (and Jim Crow laws) in the Deep South, and why the attempts to impose a modern day equivalent in Arizona are unlikely to survive a constitutional challenge. Trying to deprive these state union members of legally recognized rights, in organizations that are recognized as legitimate under both state and federal laws, is going to set off a whole minefield of legal issues, and could extend way beyond just the rights of union members to seek representation for collective bargaining purposes. Such as the rights of any number of groups to organize and hold meetings about common points of interest. Not too great an extension to say that if this bullshit can fly (what the Spotted Wanker is pushing in WI) than some other governor with a rubber stamp legislature could turn his attention to stripping rights from gays. Or blacks. Or Jews. Or whoever the hell these goons feel like ganging up on. That is why the poem from the 1930s has never lost any of its power…”first, they came for the trade unionists, but I didn’t speak up, because I wasn’t a trade unionist…” (apologies if this quote is not completely accurate or otherwise misstated) )

Second: the little abomination that the Gang of Five on the Supream Court gave us a year or so ago (Citizens Inebriated) actually contains a little bouncing betty of its own that could very well go off in the faces of Govs Wanker, Sacitch, Krysty, and J.O. Daniels. Since this ruling extended the concept of “personhood” to both corporations and unions, to try to deny them any right to operate within the legal framework that they were organized under deprives these “persons” of the freedoms of speech, association and movement. Which means (once again, quoting law school trained family) that either the courts have to uphold these rights for the unions (as individual “persons” as guaranteed by the Federal (and most state) constitutions, or they have to declare that these attempts at stripping or limiting union rights have to apply to major corporations, also.

Source: http://removeripoffreports.net/ corporate Reputation Management

The best in online reputation management

Saturday, March 5, 2011

Making Money Quickly

At the end of each day, I encourage you to reflect on whether you spent your day on “signal” or “noise.” Let me explain.

Recently, I wrote a post titled Managing Priorities. In it I talked about the idea of P1′s. My weeks start on Monday morning so my P1 for the current week (which ends in about 20 hours since I usually get up at 5am on Monday morning) is to get a draft of the new book I’m writing with Jason Mendelson to our publisher (Wiley). That’s it – one P1 for the week. Of course I did a ton of other things last week, including spending two days at Blur doing an HCI brain soak, working on closing a new investment, working on two M&A deals, having a few board meetings, giving a few talks, meeting with a bunch of people, and having a few enjoyable dinners with friends. But every morning when I woke up I thought about my P1 (the book) and every night before I went to bed I thought about whether or not I had made progress on it.

I committed to myself to spend all day Saturday and Sunday on the final edit push. Now that I’m on my second book, I know my limits and know that six hours is the most I can work productively on the book in one day. So yesterday I slept in, did email and my normal Saturday morning info scan, and then settled in for six hours of editing. Every 30 minutes I took a short break – did email, had lunch, took a nap, talked to Amy, and did a 15 minute phone call with another VC who was struggling with an issue in real time. But I got my six hours in and then went out to dinner with Amy and a bunch of friends. Today I’m going to catch up on email until about 11, head to my condo in Boulder, and spend a good solid six hours on the final pass before hitting send on the draft. I’ll reward myself with dinner with some friends, although I have no idea with whom at this point.

So, while I let a little noise drift into my weekend, I’ll have spent the majority of it on signal (my P1). This morning as I was doing my morning infoscan (Daily Web Sites, Twitter, RSS Feeds) I noticed a ton of stuff that I’d put in the noise category. There were apparently a few debates that blew up yesterday – I’ll use the one around Angellist as an example of noise.

I love Angellist and think it’s a remarkably interesting thing. However, it’s of relatively little direct utility to me – of our 35 investments made from Foundry Group, none have come from Angellist. Regardless, it has had an undeniably huge impact on angel and seed investing in the past few years. At the minimum, it’s interesting to watch the social dynamics of it. Will it impact a new generation of successful entrepreneurs and angel investors or will it result in a big money pit? Who knows – check back in ten years.

However, I saw a bunch of tweets about it (including some hostile ones followed by some conciliatory ones from the same people) linking to a handful of blog posts, comments, and more tweets. After reading a few of them, I’m not actually sure what the debate is actually about. I thought it was about “is Angellist helpful or not”, but it quickly evolved into something else.

As I was pondering this, I saw a tweet from Paul Kedrosky that said “I have had more than a few entrepreneurs complain lately about VCs/angels tweeting/blogging up storms, but ignoring emails.” While I’m not 100% sure Paul was building off of the Angellist noise, I know Paul pretty well and am going to guess that at the minimum it inspired his tweet. And his tweet is on the money – I know plenty of VCs who are making a ton of “content noise” these days but don’t seem to be able to respond to their signal-related emails. And if entrepreneurs think VC to VC email is somehow special, I’m included in that category (there are plenty of emails I’ve sent to my VC friends with specific stuff in them that are never responded to.)

Now, this is not criticism of the Angellist discussion or VCs not responding to emails. Rather, it’s an effort to give an example of noise overwhelming signal. In this case, Angellist is the signal. The discussion around it in the last 48 hours is mostly noise (I’m sure there’s some signal in there, but it’s a lot of work to pull it out, which results in a bad signal to noise ratio.)

In my little corner of the universe, signal matters a lot. I can’t consume signal 100% of the time (or my head would explode) so I let plenty of noise creep in, but I’ve got very effectively tunable noise filters. Anyone involved in the entrepreneurial ecosystem should ponder this – I encourage you to focus on amplifying signal, not noise.

A huge opportunity to hedge against both inflation and deflation is lying out there in the open. There are no transaction costs and right now there’s even a built-in discount. But most people will never realize any of this.

In 1933 President Franklin Delano Roosevelt signed Executive Order 6102, which made it illegal for US citizens to hold gold bullion.

Prior to that order, the $20 bill was essentially a warehouse receipt for a one-ounce gold coin. Prior to the Federal Reserve Act of 1914, the $20 bill actually told you this.

After Executive Order 6102, $20 notes weren’t allowed to be exchanged for gold anymore. Americans couldn’t legally own or trade gold as money and savings, only as jewelry or collectible coins.

A year after making monetary gold ownership illegal, FDR revalued gold from $20.67 per ounce to $35 an ounce with the Gold Reserve Act. The Act also required all gold and gold certificates to be turned over to the Treasury.

The dollar was debased. Instead of “containing” 1/20 an ounce of gold, each dollar now only contained (or represented) 1/34 an ounce. And of course you couldn’t actually own the gold itself. In 1971 Nixon severed the last official ties between gold and the dollar. The dollar quickly sunk to its real value, which had been debased by years of money supply inflation.

By 1975, Americans were allowed to own bullion gold again, but during the roughly 40 years bullion gold ownership had been illegal, the dollar had been drastically debased. At its former lowest point in the summer of 1980, the dollar was worth only 1/850 an ounce of gold. It regained some value for a while, but right now a dollar gets you less than 1/1300 an ounce of gold.

That was the story with a piece of paper that was merely standing in for a monetary metal. But what happens in the case of circulating coins actually composed of monetary metals?

Let’s look at quarters, dimes, nickels and pennies…

Prior to 1964, US quarters and dimes were 90% silver. From 1965 to 1970 they were 40% silver “clad” over a copper-nickel or “cupronickel” mix. Like the paper dollar, quarters and dimes were debased in two stages. Now quarters and dimes have no silver in them at all. They are now entirely copper and nickel, but only enough to get a little more than 1/4 their face value.

Prior to 1983, US pennies were 95% copper and 5% zinc. Pennies minted after that are 97.5% zinc with only 2.5% copper plating.

The US nickel has been cupronickel since 1946: 75% copper and 25% nickel with trace amounts of manganese. But that’s probably about to change…

Why are quarters and dimes no longer silver? Why is the penny no longer mostly copper? And why will the nickel likely follow suit fairly soon?

Because the amount of silver and copper and nickel in each case came to exceed the face value of the coin. The debasement of the US currency over time has required the metal in the coins to be replaced with a cheaper substitute.

The average American has no idea what inflation really is or why currency debasement is a problem at all. He figures one metal is as good as another in minting of the currency…that when the face value of a coin falls below the value of the metal in the coin, it’s nothing more than a curiosity. Substitute a cheaper metal, they think. Problem solved.

And indeed the problem is solved for the government, which mints the coins made of real money at a loss after the effects of bouts of the inflation started by monetization of government debt. For savers and the overall economy on the other hand…their problems are just beginning…

But that is a story for another time. For now let’s look at the opportunities to be had when the government makes metals available for a fraction of their market price via coins…And let’s see if there are any opportunities left (Hint: there are!).

If you had seen the writing on the wall in the early 1960s and started hoarding quarters and dimes while they still were almost wholly silver, you would have found that your dimes were worth a high of $3.57 each in 1980 and your quarters were worth $8.93 each.

In fact, these 90% coins still trade just like regular silver bullion bars and rounds. They were taken out of circulation – “hoarded” – by those savvy to debasement (Gresham’s Law tells us that good money will be hoarded when bad money floods the market). These coins were collected without any transaction costs. They were bagged up with different face value totals: $1,000 bags, $500 bags, $250 bags, $100 bags and $50 bags.

Each of these bags traded for over 35 times their face value because of the silver in the coins. At least they did at silver’s peak in 1980. Even during the ensuing 20-year slump in silver prices, the value of silver bullion coins never dipped below three times face value.

And now, thanks to waves of money and credit expansion from the Federal Reserve, silver is pushing back toward its old highs. These bags of silver coins are trading at more than 20 times their face value. They may hit 30 times face value again…and beyond…

Silver probably has another trick or two up its sleeve. But let’s turn our attention to the humble nickel…

Every single circulating nickel still has 3.75 grams worth of copper each…along with 1.25 grams of nickel. Copper is currently about $4.46/lb. Nickel is currently about $12.97/lb. So if you do the math, each nickel is worth about 7.3 cents.

120 nickels pieces is worth $6.00 at face value. Those 120 coins contain about a pound of copper and 1/3 pound of nickel. That’s about $8.76.

You can’t cash in on this arbitrage directly (anti-smelting laws for pennies and nickels were introduced in late 2006). But the bullion market for cupronickel coins will develop, just as it did for silver US coins. This will happen once the government starts minting five-cent pieces made out of cheaper metals.

To those who doubt this will happen, I refer you to the bags of silver coins trading as bullion for over 20 times their face value. You can easily order such a bag right now by going to any of a number of online bullion dealers. These bags of coins sell right alongside silver bars and rounds.

Right now, the government is subsidizing your copper and nickel purchases…and cutting out the middleman. As much as we complain about government, we ought to stop and offer them a little thanks for this one.

What’s even more interesting is that hoarding nickels provides an imbedded hedge against deflation. That’s because a nickel will always be worth a nickel, at least. So if the dollar strengthens and copper, silver, and gold all get cheaper in dollar terms, you can still spend your nickels just like any other money. Your purchasing power stays the same, maybe even increases.

But if the dollar declines, then the value of the cupronickel in the currency will rise against the face value. Eventually – at two or three times face value – these five-cent pieces will trade as bullion just as 90% silver quarters and dimes did and still do.

Again, there is currently no transaction cost to saving in nickels and no risk from plummeting metal prices. There is literally nothing (in case of deflation) to lose and everything (in case of inflation) to gain.

Your only real problem is storage; a few thousand dollars of nickels takes up a lot of space…and it’s heavy. But people had the same problem with silver when it was cheap. I doubt they’re complaining now.

Having “too much” cupronickel won’t seem like much of a problem if inflation continues to drive the cupronickel in five-cent pieces far in excess of face value. The cupronickel is America’s last piece of honest currency.

Regards,

Gary Gibson,

for The Daily Reckoning

Today’s Best Investment…Rhymes With Pickles originally appeared in the Daily Reckoning. The Daily Reckoning has published articles on the impact of quantitative easing, bakken oil, and hyperinflation.

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