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And so Comic Con International: San Diegio have closed registration again after, for the second time, the whole computer system crashed.

Epic, the company handling the online registration tell me that it’s Comic Con’s fault, they are unable to handle the amount of registrations that Epic are sending to them – but evidence is that few people are able to even et that far and the Epic website just can’t handle the traffic. While they boast on their website that hey can handle 100,000 registrations, I guess that doesn’t mean all at the same time. And everyone is making “epic fail” jokes. Comic COn have apologised for the inconvenience, especially for those who got up early/got to work early/went without breakfast to register. And they promise an update soon…

Here are a few people’s experiences

t_WILLI: i got in but then it crashed again. i got my hopes up too!

SirJaffacake: Apparently Epic Registration spent the last three weeks making a bunch of new error pages.

lalabun writin a letter toc10900 Granite St Charlotte, NC 28273 USA i bet it will get there faster than them fixing the reg pag

DRBCH if nerds can’t handle computer server issues, TWICE, what have we come too as a society

slaprabbjt: All I want is a badge with my name on it. made it to step three.

EmilyGuilfoil You know you are a nerd when your Twitter feed is taken over by people complaining about the ComicCon registration site crashing

hyperpearlgirl: They have better servers at McDonalds.

Feeling unappreciated?  We’d like to thank you for casting your vote in today’s Obamateurism of the Week poll, and don’t worry; no one’s filming you casting a vote, except perhaps yourself.  It’s so simple, there really is no excuse for skipping out on it.

Note: Big thanks to HA reader Pam S, who spent the day with us yesterday to give us a tour of the Biloxi-Gulfport area.

Previous 2010 “winners”:

• Notes 2nd anniversary of Mumbai massacre, forgets 1st anniversary of Ft. Hood massacre


• Obama signals no course correction in wake of electoral disaster


• “We’re gonna punish our enemies…”


• After shutting out Republicans in drafting legislation, Obama complains that GOP won’t share blame for failure


• He realized too late that “there’s no such thing as shovel-ready projects” when it comes to public works


• Cuts off microphone when questioner starts debating tax policies


• “I can’t let this be a war without end, and I can’t lose the whole Democratic Party.”


• Obama quotes Declaration, leaves out “endowed by their Creator”


• Obama trots out “feel your pain” attempt the day after WH releases his social calendar


• “They talk about me like a dog!”


• Obama takes credit for drawdown schedule Bush negotiated


• “We’re buying shrimp, guys.”


• Obama endorses Ground Zero mosque, then says he wasn’t “commenting on the wisdom” of building it at the site


• Slams GOP for focusing on elections — from a fundraiser in Austin, TX


• Obama scolds politicians with “We shouldn’t be campaigning all the time” … while on The View


• Obama says First Couple “not far removed” from economic pain in financial collapse despite making millions in 2008


• Obama expects to be held accountable on jobs, but it’s Bush’s fault


• New NASA mission objectives all about self-esteem, none about space


• Obama misquotes Statue of Liberty poem and screws up its history


• Obama golfs as BP’s CEO yachts


• Obama says Gulf disaster will have similar impact to 9/11, then goes golfing the next day


• “We talk to these folks because they potentially have the best answers so I know whose ass to kick“


• “Singularly focused” Obama’s golfing, fundraising, vacation, and sports events


• “Obviously, the loss of Daniel Pearl was one of those moments that captured the world’s imaginationbecause it reminded us of how valuable a free press is.”


• Criticizes AZ immigration enforcement for paper checking while Secret Service checks immigration statusof students at Obama event


• “Information becomes a distraction” with X-boxes, PlayStations, iPods, iPads


• “I mean, I do think at a certain point you’ve made enough money.”


• President who demands that Americans show health-insurance papers suddenly skittish about residency documents


• Playing golf instead of paying respects to the late Polish president


• “Whether we like it or not, we remain a dominant military superpower”


• Gives 17-minute answer to question about being overtaxed


• Believes Tea Party core is Birthers


• Obama refused to be seen with Netanyahu


• “Your employer, it’s estimated, would see premiums fall by as much as 3000%!”


• Obama off by $868 billion on CBO deficit savings projection of ObamaCare


• Obama challenges GOP on tort reform, winds up proving GOP point on reconciliation


• Obama’s “Acme Insurance” anecdote proves he doesn’t understand insurance


• Obama claims 2 million jobs saved or created, website shows 590K


• Obama gripes about filibusters in a year with none … after having 60 seats in the Senate


• Obama says “corpse-man” for corpsman 3 times at Nat’l Prayer Breakfast


• Scolding the Supreme Court over ruling that he got completely wrong during SOTU


• People are unhappy with Obama’s performance because he didn’t get enough public face time to explain himself


• Suddenly jobs saved or created “never expected to be the public accounting of Obama’s goal to save or create 3.5 million jobs”


• Obama rushes home for minor injury to family friend, keeps golfing after EunuchBomber attack

Got an  Obamateurism of the Day? If you see a foul-up by Barack Obama, e-mail it to me at obamaisms@edmorrissey.com with the quote and the link to the  Obamateurism. I’ll post the best Obamateurisms on a daily basis, depending on how many I receive. Include a link to your blog, and I’ll give some link love as well. And unlike Slate, I promise to end the feature when Barack Obama leaves office.

Illustrations by Chris Muir of Day by Day. Be sure to read the adventures of Sam, Zed, Damon, and Jan every day!

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Game of the Week PlayStation 3 <b>News</b> - Page 1 | Eurogamer.net

Read our PlayStation 3 news of Game of the Week. ... Gran Turismo 4 vs. Gran Turismo 5 Today 10:56. Gran Turismo 5: Special Stage 720p/1080/3D analysis Today 10:56. Latest News. GT5 update confirmed for Saturday ...

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

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

No Batmobile in Arkham City <b>News</b> - Page 1 | Eurogamer.net

Read our news of No Batmobile in Arkham City. ... Batman: Arkham Asylum 2 teaser 14 December, 2009. Latest News. Batman: Arkham City details emerge . Batman: Arkham City revealed, dated . Batman domains name Arkham sequel? ...

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Game of the Week PlayStation 3 <b>News</b> - Page 1 | Eurogamer.net

Read our PlayStation 3 news of Game of the Week. ... Gran Turismo 4 vs. Gran Turismo 5 Today 10:56. Gran Turismo 5: Special Stage 720p/1080/3D analysis Today 10:56. Latest News. GT5 update confirmed for Saturday ...

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

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

No Batmobile in Arkham City <b>News</b> - Page 1 | Eurogamer.net

Read our news of No Batmobile in Arkham City. ... Batman: Arkham Asylum 2 teaser 14 December, 2009. Latest News. Batman: Arkham City details emerge . Batman: Arkham City revealed, dated . Batman domains name Arkham sequel? ...

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And so Comic Con International: San Diegio have closed registration again after, for the second time, the whole computer system crashed.

Epic, the company handling the online registration tell me that it’s Comic Con’s fault, they are unable to handle the amount of registrations that Epic are sending to them – but evidence is that few people are able to even et that far and the Epic website just can’t handle the traffic. While they boast on their website that hey can handle 100,000 registrations, I guess that doesn’t mean all at the same time. And everyone is making “epic fail” jokes. Comic COn have apologised for the inconvenience, especially for those who got up early/got to work early/went without breakfast to register. And they promise an update soon…

Here are a few people’s experiences

t_WILLI: i got in but then it crashed again. i got my hopes up too!

SirJaffacake: Apparently Epic Registration spent the last three weeks making a bunch of new error pages.

lalabun writin a letter toc10900 Granite St Charlotte, NC 28273 USA i bet it will get there faster than them fixing the reg pag

DRBCH if nerds can’t handle computer server issues, TWICE, what have we come too as a society

slaprabbjt: All I want is a badge with my name on it. made it to step three.

EmilyGuilfoil You know you are a nerd when your Twitter feed is taken over by people complaining about the ComicCon registration site crashing

hyperpearlgirl: They have better servers at McDonalds.

Feeling unappreciated?  We’d like to thank you for casting your vote in today’s Obamateurism of the Week poll, and don’t worry; no one’s filming you casting a vote, except perhaps yourself.  It’s so simple, there really is no excuse for skipping out on it.

Note: Big thanks to HA reader Pam S, who spent the day with us yesterday to give us a tour of the Biloxi-Gulfport area.

Previous 2010 “winners”:

• Notes 2nd anniversary of Mumbai massacre, forgets 1st anniversary of Ft. Hood massacre


• Obama signals no course correction in wake of electoral disaster


• “We’re gonna punish our enemies…”


• After shutting out Republicans in drafting legislation, Obama complains that GOP won’t share blame for failure


• He realized too late that “there’s no such thing as shovel-ready projects” when it comes to public works


• Cuts off microphone when questioner starts debating tax policies


• “I can’t let this be a war without end, and I can’t lose the whole Democratic Party.”


• Obama quotes Declaration, leaves out “endowed by their Creator”


• Obama trots out “feel your pain” attempt the day after WH releases his social calendar


• “They talk about me like a dog!”


• Obama takes credit for drawdown schedule Bush negotiated


• “We’re buying shrimp, guys.”


• Obama endorses Ground Zero mosque, then says he wasn’t “commenting on the wisdom” of building it at the site


• Slams GOP for focusing on elections — from a fundraiser in Austin, TX


• Obama scolds politicians with “We shouldn’t be campaigning all the time” … while on The View


• Obama says First Couple “not far removed” from economic pain in financial collapse despite making millions in 2008


• Obama expects to be held accountable on jobs, but it’s Bush’s fault


• New NASA mission objectives all about self-esteem, none about space


• Obama misquotes Statue of Liberty poem and screws up its history


• Obama golfs as BP’s CEO yachts


• Obama says Gulf disaster will have similar impact to 9/11, then goes golfing the next day


• “We talk to these folks because they potentially have the best answers so I know whose ass to kick“


• “Singularly focused” Obama’s golfing, fundraising, vacation, and sports events


• “Obviously, the loss of Daniel Pearl was one of those moments that captured the world’s imaginationbecause it reminded us of how valuable a free press is.”


• Criticizes AZ immigration enforcement for paper checking while Secret Service checks immigration statusof students at Obama event


• “Information becomes a distraction” with X-boxes, PlayStations, iPods, iPads


• “I mean, I do think at a certain point you’ve made enough money.”


• President who demands that Americans show health-insurance papers suddenly skittish about residency documents


• Playing golf instead of paying respects to the late Polish president


• “Whether we like it or not, we remain a dominant military superpower”


• Gives 17-minute answer to question about being overtaxed


• Believes Tea Party core is Birthers


• Obama refused to be seen with Netanyahu


• “Your employer, it’s estimated, would see premiums fall by as much as 3000%!”


• Obama off by $868 billion on CBO deficit savings projection of ObamaCare


• Obama challenges GOP on tort reform, winds up proving GOP point on reconciliation


• Obama’s “Acme Insurance” anecdote proves he doesn’t understand insurance


• Obama claims 2 million jobs saved or created, website shows 590K


• Obama gripes about filibusters in a year with none … after having 60 seats in the Senate


• Obama says “corpse-man” for corpsman 3 times at Nat’l Prayer Breakfast


• Scolding the Supreme Court over ruling that he got completely wrong during SOTU


• People are unhappy with Obama’s performance because he didn’t get enough public face time to explain himself


• Suddenly jobs saved or created “never expected to be the public accounting of Obama’s goal to save or create 3.5 million jobs”


• Obama rushes home for minor injury to family friend, keeps golfing after EunuchBomber attack

Got an  Obamateurism of the Day? If you see a foul-up by Barack Obama, e-mail it to me at obamaisms@edmorrissey.com with the quote and the link to the  Obamateurism. I’ll post the best Obamateurisms on a daily basis, depending on how many I receive. Include a link to your blog, and I’ll give some link love as well. And unlike Slate, I promise to end the feature when Barack Obama leaves office.

Illustrations by Chris Muir of Day by Day. Be sure to read the adventures of Sam, Zed, Damon, and Jan every day!

bench craft company ad space

Game of the Week PlayStation 3 <b>News</b> - Page 1 | Eurogamer.net

Read our PlayStation 3 news of Game of the Week. ... Gran Turismo 4 vs. Gran Turismo 5 Today 10:56. Gran Turismo 5: Special Stage 720p/1080/3D analysis Today 10:56. Latest News. GT5 update confirmed for Saturday ...

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

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

No Batmobile in Arkham City <b>News</b> - Page 1 | Eurogamer.net

Read our news of No Batmobile in Arkham City. ... Batman: Arkham Asylum 2 teaser 14 December, 2009. Latest News. Batman: Arkham City details emerge . Batman: Arkham City revealed, dated . Batman domains name Arkham sequel? ...

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Game of the Week PlayStation 3 <b>News</b> - Page 1 | Eurogamer.net

Read our PlayStation 3 news of Game of the Week. ... Gran Turismo 4 vs. Gran Turismo 5 Today 10:56. Gran Turismo 5: Special Stage 720p/1080/3D analysis Today 10:56. Latest News. GT5 update confirmed for Saturday ...

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

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

No Batmobile in Arkham City <b>News</b> - Page 1 | Eurogamer.net

Read our news of No Batmobile in Arkham City. ... Batman: Arkham Asylum 2 teaser 14 December, 2009. Latest News. Batman: Arkham City details emerge . Batman: Arkham City revealed, dated . Batman domains name Arkham sequel? ...

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Game of the Week PlayStation 3 <b>News</b> - Page 1 | Eurogamer.net

Read our PlayStation 3 news of Game of the Week. ... Gran Turismo 4 vs. Gran Turismo 5 Today 10:56. Gran Turismo 5: Special Stage 720p/1080/3D analysis Today 10:56. Latest News. GT5 update confirmed for Saturday ...

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

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

No Batmobile in Arkham City <b>News</b> - Page 1 | Eurogamer.net

Read our news of No Batmobile in Arkham City. ... Batman: Arkham Asylum 2 teaser 14 December, 2009. Latest News. Batman: Arkham City details emerge . Batman: Arkham City revealed, dated . Batman domains name Arkham sequel? ...

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Middle East violence increases « Liveshots

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

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...

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Middle East violence increases « Liveshots

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

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...

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Middle East violence increases « Liveshots

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

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...

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Middle East violence increases « Liveshots

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

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...

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Middle East violence increases « Liveshots

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

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...

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Middle East violence increases « Liveshots

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

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...

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Middle East violence increases « Liveshots

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

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...

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Middle East violence increases « Liveshots

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

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

More on Fox <b>News</b>, David Henderson | EconLog | Library of Economics <b>...</b>

I had had hopes for the Fox News Channel as an advocate of smaller government, hopes somewhat justified by evidence. But their treatment of Ron Paul has been off the charts. Chris Wallace has been absolutely vicious - at one point, ...

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Good <b>news</b>: James Bond and Indiana Jones hooking up to fight aliens <b>...</b>

Good news: James Bond and Indiana Jones hooking up to fight aliens.

Fox <b>News</b> Commentators Caught On Camera Mocking Sarah Palin&#39;s Show <b>...</b>

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Read our PlayStation 3 news of Sony Russia confirms Mass Effect 3?.

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One and a Half Cheers for Fox <b>News</b>, David Henderson | EconLog <b>...</b>

Senator Jay Rockefeller made a splash Wednesday by suggesting that the Federal Communications Commission shut down the Fox News Channel and MSNBC. My guess is that he mentioned MSNBC because he wanted to sound equally oppressive of both ...

<b>News</b> Corp developing a tablet-exclusive publication

News Corp Logo Reuters is reporting that News Corp, the world's third-largest media conglomerate, has confirmed they will be releasing a news publication developed specifically for tablet computers like the iPad. "It's a tablet-only ...

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Far from a fad, a new blogging and social media infrastructure has emerged and is still being built and becoming a part of the new hierarchy can be important to.

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Participants in a study were far more likely to “remember” a fictional news event when a headline was accompanied by a tangentially relevant photograph.

The Tools of Ignorance: Friday <b>News</b> - Pinstripe Alley

A big offer, the big man's snub, a little trade, and a call for a dose of sanity.

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The Dallas Cowboys get some veterans back in practice, and Dez Bryant is a violent man.

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Making Money Through

Election week is done. It's time to get back to the business of finding real solutions for our nation's economic recovery. As this week ends it is clear that the appetite for federal stimuli is beginning its ebb tide. We see the Federal Reserve playing the risky cards of quantitative easing trying yet again to spark an economic recovery against the odds of a main street economy still mired in the collateral damage of central government's past grand visions.

Don't get me wrong. I actually agree that Fed needs to be doing what it is. We need to find a sustainable balance for our economy and it's a data intensive compass that can only be seen with clarity from the offices occupied by people like Ben Bernanke, Tim Geithner and Sheila Bair. What I do worry about though is that these central solutions too often take from the small and give to the big because the simplifying assumptions used by the economists and statisticians that support the process aren't capable of seeing the one-by-one trench warfare fights being fought by small businesses and individuals. It's an inherent policy formulation weakness of the academic brain trust behind our system that may be costing ordinary people more pain than necessary. But these ordinary Americans are there. We know this because they voted on Tuesday.

Fortunately, the United States is a big country and Washington D.C. isn't the only place exploring ways to find economic recovery formulae. Across the country, cities and states are beginning to chart independent paths to creating their own "islands of recovery". The City of Los Angeles' proposed Responsible Banking Ordinance continues to move through the committee process improving bit-by-bit into what I believe is an important emerging economic policy counterweight to ensure that the "small to big" tendencies of central solutions do not take us astray yet again.

The tale of the tape is something I believe worth sharing with the readers of the Huffington Post.

On October 26th, there was a public hearing by the L.A. City Jobs Committee chaired by Councilman Richard Alarcon on item CF 09-0234, Responsible Banking. The measure was approved with a number of questions to be investigated and reported to a hearing of the L.A. City Budget and Finance Committee to take place on Monday, November 8th. The questions aired by Councilman Bernard Parks focused on two areas. He asked for more information to determine if the cost and design of the process for implementation by the City was indeed workable. He also asked for clarification about how the differences between community banks, large complex banks and the city's debt underwriters would be recognized within the final ordinance.

Mr. Park's questions tell me that the L.A. process is indeed making progress because these are no longer questions about whether this a good thing for the economic interests of the City but rather how well is the plan risk managed. The interests behind the initiative become more positive as banks, large and small, begin to recognize that there is opportunity to be had here. The carrot being offered by the City of L.A is preference to win lucrative contracts that the City will be issuing anyway if evidence can be presented by the bidders that they are placing the interests of the region higher up the business priority list than their competition. It's subtle and far reaching in its potential to encourage money to circulate locally longer.

So now to ponder details,

As I reviewed the current version of the ordinance draft, it was clear the that City of Los Angeles had specified a data collection and reporting request that seeks to get banks to translate the nature of their business activities into measurement language that city governments can understand. The policy question is actually spot on but I'm also pretty sure that asking a bank to deliver the answer on a silver platter to the city first time out is a bit of a stretch. I think there's a better way to make it work for everyone and bring the cost/risk of the process well into good comfort.

The path to success here is to recognize two things. The first is that banks know how to report data to their regulators. They actually track all the information the city wants to know. Once a year they even have to report data to the granularity of branch-by-branch information to the FDIC. The other thing that's clear from the city draft is that municipal governments analyze their quality of service based on census tracts because that's how voters are bucketed. The trick in getting one system to talk to the other is to leverage by translating between the two universes via the zip codes of the U.S. postal service.

Asking the banks to do all the work is a lot of work. But if the City of Los Angeles were to re-design the ordinance implementation process to be a two step process where the banks report data in branches with identification of which zip codes are affected by that branch and there was a post- process by the City to morph the submittals into census tract visibility I think this would actually work reasonably well. City employees and/or other specialty vendors are more knowledgeable about the second step of the transformation than any bank will ever be. And there's a reason for that. Bankers, being lenders, have been discouraged from doing the second step for a long time because the technology that does so equates to gathering the data to do "red lining". So it's actually a better plan for the City of L.A. to deliberately separate these two steps from each other in its ordinance design.

My point here is that by taking a step back and recognizing where natural divisions of skill can be used to complement each other what seems onerous as an all-in-one data request can quickly become very doable.

This gets us to Mr. Park's second inquiry about larger out of area institutions and debt underwriters seeking to do business with the City. To that my observation is that the City of Los Angeles needs to set up a fair playing field for everyone. It's my read that by combining the suggestion above for banks with local branches with the tenets of the current ordinance draft language requesting distilled data into zip codes there's plenty of wiggle room for presentation of evidence of local involvement by these larger institutions, even those that do not have physical branches in the region. Complex transforms of data to support reporting requests are well within the capabilities of the IT departments of these larger businesses. Bearing in mind that these are also the banks that will go after the largest contracts with the City there's plenty of incentive for them to get their systems to produce the reports that will give them an advantage over competing bidders.

And in the long run I'm not just talking about competing just for L.A.'s business. There's a far larger universe of municipal and state government opportunities out there and I'll remind the readers of the Huffington post to look back at the history of my blogs for the one reporting on Bill Lockyer's inquiry earlier this year to the largest municipal bond underwriters.

I mean does anyone really think that the rest of America's League of Cities isn't watching how this plays out? Or that incoming California Governor Jerry Brown, the former Mayor of Oakland, doesn't already know that Los Angeles, San Jose and other cities in California are actively exploring how to affect the future of the State's economy using local strategies? Or that Ben Bernanke, Tim Geithner, Sheila Bair and Barack Obama won't read about this?

Keep going L.A. La-La Land may yet become the next shining star of economic recovery innovation.

Imagine you’re a public official faced with the problem of a several important banks becoming undercapitalized due to investment losses on, for example, backed securities. What’s more, there are several other important banks that, though not currently undercapitalized, are close enough to the line that a generalized “panic” about the banking sector will push them under. You’re in a scenario, in other words, when you don’t dare allow even a single bank fail lest it cause a nearly universal failure of your banks.

You have basically two choices in this scenario. One choice is that you force the banks in question to accept capital injections from the public sector. This will “bail out” the bank and save it as an institution. It’s also obviously better for the bank’s owners than the alternative of letting the bank fail. But for the owners it’s also not ideal since it means the value of their shares is being diluted. Indeed, if raising extra capital were a bailout of the shareholders they would have avoided this problem long ago by simply raising capital from private investors. But their reluctance to do this has helped bring us to the crisis point. They’d rather get public equity than fail, but they’d rather avoid getting public equity.

A different option is to refuse to give “the banks” extra money. Instead you perform stress tests and proclaim that the banks are secure, implicitly signaling the existence of government guarantee of their operations. You have the Federal Reserve start paying interest on banks’ excess reserves, giving them a zero risk profitable investment parking cash with the Fed. Then you hunker down and wait for the regulatory forbearance to allow the profit-making process to generate sufficient capital to resolve the situation.

The downside of the second option is that it takes much longer to work, needlessly prolonging the massive suffering throughout the country. Another downside of the second option is that it undermines the effective of loose monetary policy, needlessly prolonging the massive suffering throughout the country. A third downside of the second option is that it’s wildly more favorable to the people who owned the banks, in a way that creates a massive problem of injustice. The upside, however, is that you don’t need to ask congress for additional bailout money. And, indeed, the public at large will regard this option as superior to a soft-on-bankers “bailout.” But at the very same time the bankers themselves will recognize that forbearance is actually a much softer policy than the unpopular “bailout” alternative.

bench craft company

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Michelle Malkin » Sen. Rockefeller: One-Man Cable <b>News</b> Death Panel

Doesn't Rockefeller have a ton of money with which to develop his own network news operation if he wishes? Why doesn't he deploy his own capital and take the risk associated with free enterprise activities if he believes it is warranted ...

The Newsonomics of <b>news</b> anywhere » Nieman Journalism Lab

News Anywhere, or unified news, or All-Access, whatever we want to call it, demands the singular focus, product development and messaging that Netflix, HBO, Comcast, and Facebook are bringing to it. Those are all skills that have been ...

bench craft company

Election week is done. It's time to get back to the business of finding real solutions for our nation's economic recovery. As this week ends it is clear that the appetite for federal stimuli is beginning its ebb tide. We see the Federal Reserve playing the risky cards of quantitative easing trying yet again to spark an economic recovery against the odds of a main street economy still mired in the collateral damage of central government's past grand visions.

Don't get me wrong. I actually agree that Fed needs to be doing what it is. We need to find a sustainable balance for our economy and it's a data intensive compass that can only be seen with clarity from the offices occupied by people like Ben Bernanke, Tim Geithner and Sheila Bair. What I do worry about though is that these central solutions too often take from the small and give to the big because the simplifying assumptions used by the economists and statisticians that support the process aren't capable of seeing the one-by-one trench warfare fights being fought by small businesses and individuals. It's an inherent policy formulation weakness of the academic brain trust behind our system that may be costing ordinary people more pain than necessary. But these ordinary Americans are there. We know this because they voted on Tuesday.

Fortunately, the United States is a big country and Washington D.C. isn't the only place exploring ways to find economic recovery formulae. Across the country, cities and states are beginning to chart independent paths to creating their own "islands of recovery". The City of Los Angeles' proposed Responsible Banking Ordinance continues to move through the committee process improving bit-by-bit into what I believe is an important emerging economic policy counterweight to ensure that the "small to big" tendencies of central solutions do not take us astray yet again.

The tale of the tape is something I believe worth sharing with the readers of the Huffington Post.

On October 26th, there was a public hearing by the L.A. City Jobs Committee chaired by Councilman Richard Alarcon on item CF 09-0234, Responsible Banking. The measure was approved with a number of questions to be investigated and reported to a hearing of the L.A. City Budget and Finance Committee to take place on Monday, November 8th. The questions aired by Councilman Bernard Parks focused on two areas. He asked for more information to determine if the cost and design of the process for implementation by the City was indeed workable. He also asked for clarification about how the differences between community banks, large complex banks and the city's debt underwriters would be recognized within the final ordinance.

Mr. Park's questions tell me that the L.A. process is indeed making progress because these are no longer questions about whether this a good thing for the economic interests of the City but rather how well is the plan risk managed. The interests behind the initiative become more positive as banks, large and small, begin to recognize that there is opportunity to be had here. The carrot being offered by the City of L.A is preference to win lucrative contracts that the City will be issuing anyway if evidence can be presented by the bidders that they are placing the interests of the region higher up the business priority list than their competition. It's subtle and far reaching in its potential to encourage money to circulate locally longer.

So now to ponder details,

As I reviewed the current version of the ordinance draft, it was clear the that City of Los Angeles had specified a data collection and reporting request that seeks to get banks to translate the nature of their business activities into measurement language that city governments can understand. The policy question is actually spot on but I'm also pretty sure that asking a bank to deliver the answer on a silver platter to the city first time out is a bit of a stretch. I think there's a better way to make it work for everyone and bring the cost/risk of the process well into good comfort.

The path to success here is to recognize two things. The first is that banks know how to report data to their regulators. They actually track all the information the city wants to know. Once a year they even have to report data to the granularity of branch-by-branch information to the FDIC. The other thing that's clear from the city draft is that municipal governments analyze their quality of service based on census tracts because that's how voters are bucketed. The trick in getting one system to talk to the other is to leverage by translating between the two universes via the zip codes of the U.S. postal service.

Asking the banks to do all the work is a lot of work. But if the City of Los Angeles were to re-design the ordinance implementation process to be a two step process where the banks report data in branches with identification of which zip codes are affected by that branch and there was a post- process by the City to morph the submittals into census tract visibility I think this would actually work reasonably well. City employees and/or other specialty vendors are more knowledgeable about the second step of the transformation than any bank will ever be. And there's a reason for that. Bankers, being lenders, have been discouraged from doing the second step for a long time because the technology that does so equates to gathering the data to do "red lining". So it's actually a better plan for the City of L.A. to deliberately separate these two steps from each other in its ordinance design.

My point here is that by taking a step back and recognizing where natural divisions of skill can be used to complement each other what seems onerous as an all-in-one data request can quickly become very doable.

This gets us to Mr. Park's second inquiry about larger out of area institutions and debt underwriters seeking to do business with the City. To that my observation is that the City of Los Angeles needs to set up a fair playing field for everyone. It's my read that by combining the suggestion above for banks with local branches with the tenets of the current ordinance draft language requesting distilled data into zip codes there's plenty of wiggle room for presentation of evidence of local involvement by these larger institutions, even those that do not have physical branches in the region. Complex transforms of data to support reporting requests are well within the capabilities of the IT departments of these larger businesses. Bearing in mind that these are also the banks that will go after the largest contracts with the City there's plenty of incentive for them to get their systems to produce the reports that will give them an advantage over competing bidders.

And in the long run I'm not just talking about competing just for L.A.'s business. There's a far larger universe of municipal and state government opportunities out there and I'll remind the readers of the Huffington post to look back at the history of my blogs for the one reporting on Bill Lockyer's inquiry earlier this year to the largest municipal bond underwriters.

I mean does anyone really think that the rest of America's League of Cities isn't watching how this plays out? Or that incoming California Governor Jerry Brown, the former Mayor of Oakland, doesn't already know that Los Angeles, San Jose and other cities in California are actively exploring how to affect the future of the State's economy using local strategies? Or that Ben Bernanke, Tim Geithner, Sheila Bair and Barack Obama won't read about this?

Keep going L.A. La-La Land may yet become the next shining star of economic recovery innovation.

Imagine you’re a public official faced with the problem of a several important banks becoming undercapitalized due to investment losses on, for example, backed securities. What’s more, there are several other important banks that, though not currently undercapitalized, are close enough to the line that a generalized “panic” about the banking sector will push them under. You’re in a scenario, in other words, when you don’t dare allow even a single bank fail lest it cause a nearly universal failure of your banks.

You have basically two choices in this scenario. One choice is that you force the banks in question to accept capital injections from the public sector. This will “bail out” the bank and save it as an institution. It’s also obviously better for the bank’s owners than the alternative of letting the bank fail. But for the owners it’s also not ideal since it means the value of their shares is being diluted. Indeed, if raising extra capital were a bailout of the shareholders they would have avoided this problem long ago by simply raising capital from private investors. But their reluctance to do this has helped bring us to the crisis point. They’d rather get public equity than fail, but they’d rather avoid getting public equity.

A different option is to refuse to give “the banks” extra money. Instead you perform stress tests and proclaim that the banks are secure, implicitly signaling the existence of government guarantee of their operations. You have the Federal Reserve start paying interest on banks’ excess reserves, giving them a zero risk profitable investment parking cash with the Fed. Then you hunker down and wait for the regulatory forbearance to allow the profit-making process to generate sufficient capital to resolve the situation.

The downside of the second option is that it takes much longer to work, needlessly prolonging the massive suffering throughout the country. Another downside of the second option is that it undermines the effective of loose monetary policy, needlessly prolonging the massive suffering throughout the country. A third downside of the second option is that it’s wildly more favorable to the people who owned the banks, in a way that creates a massive problem of injustice. The upside, however, is that you don’t need to ask congress for additional bailout money. And, indeed, the public at large will regard this option as superior to a soft-on-bankers “bailout.” But at the very same time the bankers themselves will recognize that forbearance is actually a much softer policy than the unpopular “bailout” alternative.

bench craft company>

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Michelle Malkin » Sen. Rockefeller: One-Man Cable <b>News</b> Death Panel

Doesn't Rockefeller have a ton of money with which to develop his own network news operation if he wishes? Why doesn't he deploy his own capital and take the risk associated with free enterprise activities if he believes it is warranted ...

The Newsonomics of <b>news</b> anywhere » Nieman Journalism Lab

News Anywhere, or unified news, or All-Access, whatever we want to call it, demands the singular focus, product development and messaging that Netflix, HBO, Comcast, and Facebook are bringing to it. Those are all skills that have been ...

bench craft company

bench craft company

bench craft company

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Michelle Malkin » Sen. Rockefeller: One-Man Cable <b>News</b> Death Panel

Doesn't Rockefeller have a ton of money with which to develop his own network news operation if he wishes? Why doesn't he deploy his own capital and take the risk associated with free enterprise activities if he believes it is warranted ...

The Newsonomics of <b>news</b> anywhere » Nieman Journalism Lab

News Anywhere, or unified news, or All-Access, whatever we want to call it, demands the singular focus, product development and messaging that Netflix, HBO, Comcast, and Facebook are bringing to it. Those are all skills that have been ...

bench craft company

Election week is done. It's time to get back to the business of finding real solutions for our nation's economic recovery. As this week ends it is clear that the appetite for federal stimuli is beginning its ebb tide. We see the Federal Reserve playing the risky cards of quantitative easing trying yet again to spark an economic recovery against the odds of a main street economy still mired in the collateral damage of central government's past grand visions.

Don't get me wrong. I actually agree that Fed needs to be doing what it is. We need to find a sustainable balance for our economy and it's a data intensive compass that can only be seen with clarity from the offices occupied by people like Ben Bernanke, Tim Geithner and Sheila Bair. What I do worry about though is that these central solutions too often take from the small and give to the big because the simplifying assumptions used by the economists and statisticians that support the process aren't capable of seeing the one-by-one trench warfare fights being fought by small businesses and individuals. It's an inherent policy formulation weakness of the academic brain trust behind our system that may be costing ordinary people more pain than necessary. But these ordinary Americans are there. We know this because they voted on Tuesday.

Fortunately, the United States is a big country and Washington D.C. isn't the only place exploring ways to find economic recovery formulae. Across the country, cities and states are beginning to chart independent paths to creating their own "islands of recovery". The City of Los Angeles' proposed Responsible Banking Ordinance continues to move through the committee process improving bit-by-bit into what I believe is an important emerging economic policy counterweight to ensure that the "small to big" tendencies of central solutions do not take us astray yet again.

The tale of the tape is something I believe worth sharing with the readers of the Huffington Post.

On October 26th, there was a public hearing by the L.A. City Jobs Committee chaired by Councilman Richard Alarcon on item CF 09-0234, Responsible Banking. The measure was approved with a number of questions to be investigated and reported to a hearing of the L.A. City Budget and Finance Committee to take place on Monday, November 8th. The questions aired by Councilman Bernard Parks focused on two areas. He asked for more information to determine if the cost and design of the process for implementation by the City was indeed workable. He also asked for clarification about how the differences between community banks, large complex banks and the city's debt underwriters would be recognized within the final ordinance.

Mr. Park's questions tell me that the L.A. process is indeed making progress because these are no longer questions about whether this a good thing for the economic interests of the City but rather how well is the plan risk managed. The interests behind the initiative become more positive as banks, large and small, begin to recognize that there is opportunity to be had here. The carrot being offered by the City of L.A is preference to win lucrative contracts that the City will be issuing anyway if evidence can be presented by the bidders that they are placing the interests of the region higher up the business priority list than their competition. It's subtle and far reaching in its potential to encourage money to circulate locally longer.

So now to ponder details,

As I reviewed the current version of the ordinance draft, it was clear the that City of Los Angeles had specified a data collection and reporting request that seeks to get banks to translate the nature of their business activities into measurement language that city governments can understand. The policy question is actually spot on but I'm also pretty sure that asking a bank to deliver the answer on a silver platter to the city first time out is a bit of a stretch. I think there's a better way to make it work for everyone and bring the cost/risk of the process well into good comfort.

The path to success here is to recognize two things. The first is that banks know how to report data to their regulators. They actually track all the information the city wants to know. Once a year they even have to report data to the granularity of branch-by-branch information to the FDIC. The other thing that's clear from the city draft is that municipal governments analyze their quality of service based on census tracts because that's how voters are bucketed. The trick in getting one system to talk to the other is to leverage by translating between the two universes via the zip codes of the U.S. postal service.

Asking the banks to do all the work is a lot of work. But if the City of Los Angeles were to re-design the ordinance implementation process to be a two step process where the banks report data in branches with identification of which zip codes are affected by that branch and there was a post- process by the City to morph the submittals into census tract visibility I think this would actually work reasonably well. City employees and/or other specialty vendors are more knowledgeable about the second step of the transformation than any bank will ever be. And there's a reason for that. Bankers, being lenders, have been discouraged from doing the second step for a long time because the technology that does so equates to gathering the data to do "red lining". So it's actually a better plan for the City of L.A. to deliberately separate these two steps from each other in its ordinance design.

My point here is that by taking a step back and recognizing where natural divisions of skill can be used to complement each other what seems onerous as an all-in-one data request can quickly become very doable.

This gets us to Mr. Park's second inquiry about larger out of area institutions and debt underwriters seeking to do business with the City. To that my observation is that the City of Los Angeles needs to set up a fair playing field for everyone. It's my read that by combining the suggestion above for banks with local branches with the tenets of the current ordinance draft language requesting distilled data into zip codes there's plenty of wiggle room for presentation of evidence of local involvement by these larger institutions, even those that do not have physical branches in the region. Complex transforms of data to support reporting requests are well within the capabilities of the IT departments of these larger businesses. Bearing in mind that these are also the banks that will go after the largest contracts with the City there's plenty of incentive for them to get their systems to produce the reports that will give them an advantage over competing bidders.

And in the long run I'm not just talking about competing just for L.A.'s business. There's a far larger universe of municipal and state government opportunities out there and I'll remind the readers of the Huffington post to look back at the history of my blogs for the one reporting on Bill Lockyer's inquiry earlier this year to the largest municipal bond underwriters.

I mean does anyone really think that the rest of America's League of Cities isn't watching how this plays out? Or that incoming California Governor Jerry Brown, the former Mayor of Oakland, doesn't already know that Los Angeles, San Jose and other cities in California are actively exploring how to affect the future of the State's economy using local strategies? Or that Ben Bernanke, Tim Geithner, Sheila Bair and Barack Obama won't read about this?

Keep going L.A. La-La Land may yet become the next shining star of economic recovery innovation.

Imagine you’re a public official faced with the problem of a several important banks becoming undercapitalized due to investment losses on, for example, backed securities. What’s more, there are several other important banks that, though not currently undercapitalized, are close enough to the line that a generalized “panic” about the banking sector will push them under. You’re in a scenario, in other words, when you don’t dare allow even a single bank fail lest it cause a nearly universal failure of your banks.

You have basically two choices in this scenario. One choice is that you force the banks in question to accept capital injections from the public sector. This will “bail out” the bank and save it as an institution. It’s also obviously better for the bank’s owners than the alternative of letting the bank fail. But for the owners it’s also not ideal since it means the value of their shares is being diluted. Indeed, if raising extra capital were a bailout of the shareholders they would have avoided this problem long ago by simply raising capital from private investors. But their reluctance to do this has helped bring us to the crisis point. They’d rather get public equity than fail, but they’d rather avoid getting public equity.

A different option is to refuse to give “the banks” extra money. Instead you perform stress tests and proclaim that the banks are secure, implicitly signaling the existence of government guarantee of their operations. You have the Federal Reserve start paying interest on banks’ excess reserves, giving them a zero risk profitable investment parking cash with the Fed. Then you hunker down and wait for the regulatory forbearance to allow the profit-making process to generate sufficient capital to resolve the situation.

The downside of the second option is that it takes much longer to work, needlessly prolonging the massive suffering throughout the country. Another downside of the second option is that it undermines the effective of loose monetary policy, needlessly prolonging the massive suffering throughout the country. A third downside of the second option is that it’s wildly more favorable to the people who owned the banks, in a way that creates a massive problem of injustice. The upside, however, is that you don’t need to ask congress for additional bailout money. And, indeed, the public at large will regard this option as superior to a soft-on-bankers “bailout.” But at the very same time the bankers themselves will recognize that forbearance is actually a much softer policy than the unpopular “bailout” alternative.

bench craft company

bench craft company

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Michelle Malkin » Sen. Rockefeller: One-Man Cable <b>News</b> Death Panel

Doesn't Rockefeller have a ton of money with which to develop his own network news operation if he wishes? Why doesn't he deploy his own capital and take the risk associated with free enterprise activities if he believes it is warranted ...

The Newsonomics of <b>news</b> anywhere » Nieman Journalism Lab

News Anywhere, or unified news, or All-Access, whatever we want to call it, demands the singular focus, product development and messaging that Netflix, HBO, Comcast, and Facebook are bringing to it. Those are all skills that have been ...

bench craft company

bench craft company

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Michelle Malkin » Sen. Rockefeller: One-Man Cable <b>News</b> Death Panel

Doesn't Rockefeller have a ton of money with which to develop his own network news operation if he wishes? Why doesn't he deploy his own capital and take the risk associated with free enterprise activities if he believes it is warranted ...

The Newsonomics of <b>news</b> anywhere » Nieman Journalism Lab

News Anywhere, or unified news, or All-Access, whatever we want to call it, demands the singular focus, product development and messaging that Netflix, HBO, Comcast, and Facebook are bringing to it. Those are all skills that have been ...

bench craft company

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Michelle Malkin » Sen. Rockefeller: One-Man Cable <b>News</b> Death Panel

Doesn't Rockefeller have a ton of money with which to develop his own network news operation if he wishes? Why doesn't he deploy his own capital and take the risk associated with free enterprise activities if he believes it is warranted ...

The Newsonomics of <b>news</b> anywhere » Nieman Journalism Lab

News Anywhere, or unified news, or All-Access, whatever we want to call it, demands the singular focus, product development and messaging that Netflix, HBO, Comcast, and Facebook are bringing to it. Those are all skills that have been ...

bench craft company

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Michelle Malkin » Sen. Rockefeller: One-Man Cable <b>News</b> Death Panel

Doesn't Rockefeller have a ton of money with which to develop his own network news operation if he wishes? Why doesn't he deploy his own capital and take the risk associated with free enterprise activities if he believes it is warranted ...

The Newsonomics of <b>news</b> anywhere » Nieman Journalism Lab

News Anywhere, or unified news, or All-Access, whatever we want to call it, demands the singular focus, product development and messaging that Netflix, HBO, Comcast, and Facebook are bringing to it. Those are all skills that have been ...

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bench craft company

Movie <b>News</b> Quick Hits: &#39;Spider-Man&#39; Casting, 3D &#39;Hovercars&#39; and <b>...</b>

Forget watching 'Dawn of the Dead' for tips on how to survive the inevitable zombiepocalypse, it's all about LEGO zombie-killing vehicles. - Less.

Michelle Malkin » Sen. Rockefeller: One-Man Cable <b>News</b> Death Panel

Doesn't Rockefeller have a ton of money with which to develop his own network news operation if he wishes? Why doesn't he deploy his own capital and take the risk associated with free enterprise activities if he believes it is warranted ...

The Newsonomics of <b>news</b> anywhere » Nieman Journalism Lab

News Anywhere, or unified news, or All-Access, whatever we want to call it, demands the singular focus, product development and messaging that Netflix, HBO, Comcast, and Facebook are bringing to it. Those are all skills that have been ...

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Making Money Online Scams

An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.




The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.
An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.




The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.
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Arrowheadlines: Chiefs <b>News</b> 11/17 - Arrowhead Pride

Good morning, AP. Another round of Kansas City Chiefs news on the house. Please read responsibly.

Gray Matter sneaks out early PC <b>News</b> - Page 1 | Eurogamer.net

Strange news, considering the game's publisher announced last month that the title's UK release had been pushed back to February 2011 due to "the need for more polishing of the game." Gray Matter was first announced way back in 2003 for ...

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

benchcraft company scam

An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.




The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.
An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.




The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.
bench craft company scam

Arrowheadlines: Chiefs <b>News</b> 11/17 - Arrowhead Pride

Good morning, AP. Another round of Kansas City Chiefs news on the house. Please read responsibly.

Gray Matter sneaks out early PC <b>News</b> - Page 1 | Eurogamer.net

Strange news, considering the game's publisher announced last month that the title's UK release had been pushed back to February 2011 due to "the need for more polishing of the game." Gray Matter was first announced way back in 2003 for ...

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

benchcraft company scam

benchcraft company scam

bench craft company scam

Arrowheadlines: Chiefs <b>News</b> 11/17 - Arrowhead Pride

Good morning, AP. Another round of Kansas City Chiefs news on the house. Please read responsibly.

Gray Matter sneaks out early PC <b>News</b> - Page 1 | Eurogamer.net

Strange news, considering the game's publisher announced last month that the title's UK release had been pushed back to February 2011 due to "the need for more polishing of the game." Gray Matter was first announced way back in 2003 for ...

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

benchcraft company scam

An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.




The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.
An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.




The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.
bench craft company scam

bench craft company scam

Arrowheadlines: Chiefs <b>News</b> 11/17 - Arrowhead Pride

Good morning, AP. Another round of Kansas City Chiefs news on the house. Please read responsibly.

Gray Matter sneaks out early PC <b>News</b> - Page 1 | Eurogamer.net

Strange news, considering the game's publisher announced last month that the title's UK release had been pushed back to February 2011 due to "the need for more polishing of the game." Gray Matter was first announced way back in 2003 for ...

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

bench craft company scam

bench craft company scam

Arrowheadlines: Chiefs <b>News</b> 11/17 - Arrowhead Pride

Good morning, AP. Another round of Kansas City Chiefs news on the house. Please read responsibly.

Gray Matter sneaks out early PC <b>News</b> - Page 1 | Eurogamer.net

Strange news, considering the game's publisher announced last month that the title's UK release had been pushed back to February 2011 due to "the need for more polishing of the game." Gray Matter was first announced way back in 2003 for ...

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

bench craft company scam

Arrowheadlines: Chiefs <b>News</b> 11/17 - Arrowhead Pride

Good morning, AP. Another round of Kansas City Chiefs news on the house. Please read responsibly.

Gray Matter sneaks out early PC <b>News</b> - Page 1 | Eurogamer.net

Strange news, considering the game's publisher announced last month that the title's UK release had been pushed back to February 2011 due to "the need for more polishing of the game." Gray Matter was first announced way back in 2003 for ...

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

benchcraft company scam

Arrowheadlines: Chiefs <b>News</b> 11/17 - Arrowhead Pride

Good morning, AP. Another round of Kansas City Chiefs news on the house. Please read responsibly.

Gray Matter sneaks out early PC <b>News</b> - Page 1 | Eurogamer.net

Strange news, considering the game's publisher announced last month that the title's UK release had been pushed back to February 2011 due to "the need for more polishing of the game." Gray Matter was first announced way back in 2003 for ...

Pulse Brings You <b>News</b> and RSS in an Elegant Flow

Android/iOS: Blogs and news sites put all that effort into making their posts graphically appealing, so why not see what they've got? Pulse, a nicely different kind of news reader, pulls your news in through side-scrolling, ...

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bench craft company scam

bench craft company scam