Finding a way to make finance less sacred | Edward Hadas

Has finance become a??false divinity in the world?? Pope Benedict XVI?thinks so. ?We see that the world of finance can dominate the human being,? he has said.? ?[It is] no longer an instrument to foster well-being? [it] becomes a power that oppresses, that almost demands worship.?

As well as warming the hearts of banker-haters everywhere, the Pope?s criticism?is?well aimed. Not only did the finance industry?s arrogance help spur crisis and recession, but there?s something dangerous at the core of finance. The human good can all too easily be lost when people?s past work and future hopes are expressed in purely monetary terms.

In the Old Testament, the ancient Israelites were warned that too rigid a view of financial obligations is cruel and socially divisive. Aristotle added another essential objection. The ancient Greek philosopher pointed out that monetary wealth can keep on increasing forever ? unlike our appetite for the things that money can buy. Yet while the worldly infinity of finance is alluring, it is ultimately false. Money has no human meaning on its own, but only when it serves a meaningful purpose.

The risks of inhumane finance may be eternal, but the Pope?is?also alluding?to a more modern problem ? the treatment of finance as a sort of god, and financiers as its priests. Consider four manifestations of the quasi-religious approach.

First, the magical expectations of finance. Too many people, and too many governments, imagine that some arrangement of the financial system ? this monetary and fiscal policy mix, that sort of mortgage, this stock market, that collection of derivatives ? will generate durable wealth or economic justice.

Second, think of the awe which surrounds the industry. The economic forecasts of financial professional are rarely right, but they receive the sort of respect once given to (equally inaccurate) oracles of divinity. The pronouncements of leading financiers, from George Soros to Warren Buffett, are taken seriously simply?because these people have made lots of money?in the financial markets.??Political leaders tremble at the judgements of financial markets.

Third, consider the treatment of central banking as an activity beyond normal human understanding. A few decades ago, these financial practitioners were considered too elevated to be politically accountable. More recently, faith in central bank independence has been shaken: but it has not been destroyed by their abysmal record before the financial crisis. Indeed, Ben Bernanke and his peers have been given more power ? and only a little more supervision from the mere mortals who have won elections.

Finally, despite much anti-banker rhetoric, the world continues to shower its own rewards on the high priests of finance. Thomas Philippon, a professor at New York University, has?shown that the share of U.S. national income dedicated to finance has fallen only slightly since the crisis, when it was at its highest since records began in 1865. The profession?s leaders are amazingly well paid. The average income per head at Goldman Sachs in 2011, a grim year for the leading investment bank, was $354,000, or about nine times higher than the national average. Philippon estimates that about a quarter of the financiers? total income is unmerited. I suspect he is much too kind to the financial world.

In an ethical economy, none of this is right. Money can seem to make money for a while, but no amount of financial alchemy can generate real wealth. Financial professionals and financial markets are fallible. Central banking is inherently political. And the temple offerings to finance, in the form of inflated salaries, are excessive.

Still, finance should not be condemned as entirely evil. The modern industrial economy relies on money, credit and the hurly burly of investment to function. For all its flaws, the current financial system is more efficient and flexible than alternative means of gathering and allocating economic resources such as barter or rationing. At its best, and when it works, the business of banking and investment promotes the common good: it creates solidarity among savers and borrowers and rewards both daring and prudence. Lloyd Blankfein, chairman of Goldman Sachs was not entirely wrong to?claim that his firm did ?God?s work?.

Indeed, at the bottom of the economic ladder, people need more, not less, finance. Financial inclusion of the sort?endorsed by the G20 finance ministers last week is desirable. But at the top of the ladder, the industry needs what students of religion call desacralisation.? The modern incarnation of the Israelites? golden calf should be stripped of the trappings of holiness. It is better?for finance?to serve the?genuine economic good on earth than?to aspire to an unmerited?place in heaven.

Source: http://blogs.reuters.com/edward-hadas/2012/02/29/finding-a-way-to-make-finance-less-sacred/

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'The Mitt' Restaurant In Mt. Clemens, Mich. Gets Mitt Romney's Blessing

Sometimes it can be hard to figure out why politicians visit one restaurant over another on the campaign trail -- just think of the President's recent disastrous take-out stop at Great Eastern in San Francisco. But it's not hard to see how Mitt Romney chose where to eat when he was passing through Mt. Clemens, Mich. How could he resist going to an eatery with the same name as himself?

True, 'The Mitt,' a soon-to-open pizzeria, isn't named after the former Mass. governor. (It refers to the mitten-like shape of the state of Michigan, ABC's Emily Friedman explains.) But that didn't stop Romney from wishing the restaurant well in the course of his visit, saying "I hope the name does not end up being a problem for you, it hasn't been for me.?

Romney was also prompted by his visit to the restaurant to note that he'd only ever met two other people in the country with the same name as him, reports Reuters. His first name, for the record, is actually Willard; Mitt is his middle name.

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Source: http://www.huffingtonpost.com/2012/02/28/the-mitt-restaurant-romney_n_1306965.html

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AT&T?s Latest Boondoggle Is To Let App Makers Pay For Users? Data

att-logoThe Wall Street Journal reports that AT&T is considering giving app makers the option of being charged for the data their users are gobbling up while playing with the app. Let me just start out by calmly saying that this is absolutely ridiculous, and I'd like to call for a People vs. AT&T overturn of the decision right here and now. See, a study emerged recently showing just how much data the average smartphone user consumes. It's between 3.2 and 3.9 GB per month. Now before we get into all the app dev data charge nonsense, there are a couple things that need to be clear.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/R9KRZNOMNcY/

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Oscarcast rewards ABC with week's top-rated show (AP)

[unable to retrieve full-text content]AP - Billed as Hollywood's biggest night, the Academy Awards telecast was also TV's biggest show last week, helping crown ABC as overall prime-time winner.

Source: http://us.rd.yahoo.com/dailynews/rss/tv/*http%3A//news.yahoo.com/s/ap/20120228/ap_en_tv/us_nielsens

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Myrtle Beach real estate property foreclosures ? Artikel-Schrijven.com

Do you want to save hundreds and hundreds of dollars on Myrtle Seaside real estate foreclosures? Have you any idea where to find these good deals? Please take note that you?re at the right area. You can take a look at each of our list of foreclosed attributes here for free. About our listings you?ll discover Beach houses, Hardship homes, real estate apartments and Luxury All inclusive vacation holidays properties for rent or sale.

The actual estimated population of Myrtle Beach houses for sale is Twenty-eight,600 and it is one of the most well-known city within the Awesome Strand. Myrtle Beach has been a holiday destination since the late 1800s and through the 1900s folks began to call Myrtle Seashore, South Carolina home. This beach, golf courses, buying, leisure, and special attractions have made the area a favorite for millions of people. Those in the understand bought real estate and continue to perform so since no matter what the market is progressing they realize that there may be only one Ocean within the east coast.

When I was asked about homes along with condos foreclosures inside the Myrtle Beach area people asking think you will find multiple properties offered. Some do not believe myself when I tell them that runners foreclosures are limited and what?s actually for sale in present-day real estate market. Our Mls (MLS) includes home listed for sale in a very sixty mile seaside area known as The Grand Strand. I was astonished myself when I opened up the real numbers from the Coastal Carolina Association involving Realtors (CCAR) who manage our MLS system. According to CCAR in the solitary family home group (taking out manufactured homes) there was clearly 5,503 Myrtle Beach virginia homes but only 270 of the were foreclosures plus in the condo/townhouse group there have been 4,718 units outlined for sale with solely 99 foreclosures.

The particular would-be buyer of property foreclosure real estate is uninformed that during the past several months the purchase of distressed property has become more complicated knowning that complexity may be more painful around Myrtle Beach due to number of foreclosure real estate that is a second home or vacation home. There?s always been a difficulty having short-sales because only 15% of them find yourself getting finalized and shut but foreclosure purchases were quite easy until recently. First the major banks withdrew real estate that they had listed for sale, then soon after days they republished some properties but the times of an easy transaction look like over. A prime case in point happened only days ago when, at the time a foreclosure purchase seemed to be scheduled to close, the actual closing legal representative acquired a call from the financial institution to say they were detaching the property from the foreclosure process and it could not be sold. The relations who thought they would be getting into their great home foreclosure home were left with merely a moving pick up truck loaded with their home furniture and no home.

There is another thing to take into consideration, at the very least in this real estate market, when you want to find the best value in Myrtle Beach homes it might be standing inventory new construction. A Realtor provides right of use of all properties shown for sale on the Multiple listing service and that would include foreclosures and new construction.

For more information about houese for sale Myrtle Beach visit our website.


Source: http://artikel-schrijven.com/artikelen-buitenland/computer-hardware/myrtle-beach-real-estate-property-foreclosures

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Approaches to Systematically Promote your Online business ...

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Source: http://systemtoy.com/?p=254

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Local Business Marketing Online ? What Are You Selling?

There are many websites online which have tons of resources, services and articles on how to promote your local business online. Each and every one of them provides lots of deals and false promises. Have you wondered if these ideas actually work? You can actually hurt your business and your online marketing efforts by following fraudulent advice.

While marketing your local business online make sure that you focus on the basics. Online marketing is for fulfilling a purpose. The purpose might include branding, creating awareness, generating leads, increasing sales. Whatever the goal is, it all is useless if it does not involve relationship marketing, connecting with prospects, communicating, reaching out, giving and being grateful.

When I started online in 2004, I read a few blogs on affiliate marketing and I ?assumed? I knew it all. I immediately churned out a blogspot blog, slapped a few affiliate banners and waited for sales. I waited many years and I did not make a penny. I even shared my blog with my best friends and was not making a dime. I lost a few friends and gained nothing. What was a I doing wrong? If you have been into affiliate marketing or have been promoting online, you will be grinning. I know that you are probably aware that marketing online is not about pushing an idea, a product, a proposition down somebody?s throat. It is not about pitching the next best deal to family and friends. No. This is the best way to get rid of friends and family.

Marketing online as I later learnt is all about building relationships. It is about being there for people in need, answering questions, addressing concerns and establishing yourself as a leader. You might not know it all but it is okay if you are able to share some of your knowledge to help solve people?s problems.

Around January 2010 I came across an excellent make money from home product and started making some money online. I used it for barely 2 weeks and then had to head to the hospital for delivery. This product I later realized was working for me because it was helping me build relationships and learn the problems of people I wanted to market to. By understanding their concerns I was able to solve some problems and establish myself as a leader. In return people were interested in purchasing products I recommended.

The product had a 60 day plan which worked for me. It was a step by step plan which forced me to use it. I had a baby in Feb 2010 and that was the end of my marketing efforts. For a few months I did not see a dime. One day I had a direct deposit for a substantial amount in my bank (after 6 months). I traced it back to my marketing efforts performed in January 2010.

Since then I have been consistently earning from that source. I am so grateful for this constant supply which is dribbling in even today. Imagine 1 or 2 weeks of half-hearted work and money for years. Now my child is 2 years old and I have decided to ramp up my online activities and do what I do best ? making money online.

Source: http://www.myqyzy.org/local-business-marketing-online-what-are-you-selling.html

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How your Cellular Device Needs Cellular Accessories | Eastside ...

Mobile phones have greatly changed over the last 15 years. The minds and the hands of the innovators have now come up with the phones that are slightly bigger in their width, however trendier and slimmer than the first makes. When you consider the latest makes of the communication gadgets, you will also be thinking about the smart phones. These have also slow have new twitches done while still maintain the basics in them and adding extra features or refurbishing the old. They have for example the touch response and the key pads. Many people who choose to use the smart phone will look for the touch response models. These are sleek looking but do need some maintenance and careful handling. This is why you need to use the screen protector with your phone.

In fact, there is a strong advocacy on getting the screen protector when you purchase these models of phones. It begins on the top of the smart phone manufacturers. They emphasize on the damage resistance and the durability of the display of the phone when it has a protective seal. But the advocacy of using the protector lies in the way that it is one of the protective measures. The screen protector is among the necessary Android, Apple and accessories.

These phones function with touch commands via the screen; therefore, you get to understand why the great push for such accessorizing measures. To use the phone you have to tap on the display whether making a call, texting, accessing the web or getting entertained. You may not necessary be doing any kind of hard contact on the display but there is still the wear and tear from the constant tapping. This will have its toll on the display if you do not have a screen protector pasted on it.

There are people who will at times overlook the need to have the protector film on the screen. They opt to use cell phones covers or cases as you may call them. Such option is also important even if it is that strong in protecting the screen against the damage. The reason is that many covers protect the phone while the screen is left out to easy your access. When you use the cover which protect the whole phone, even if it may be clear, you may find it hard to operate a phone when the cover is on. This will push you to get the screen protector.

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Each smart phone model has Samsung accessories like cell phone covers are made to keep your cell phone protected. If you push a touch smart phone then you should get Pantech accessories will help keep your device safe and protected. This also applies with other different models.

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Source: http://www.eastsidewriter.com/how-your-cellular-device-needs-cellular-accessories/

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Target Jobs along with Target Employment opportunities | Enclave ...

Target Jobs and also Target Employment opportunities

The reason why Target Efforts are Captivating

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Source: http://www.enclavefeminista.org/?p=1680

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