Tuesday, March 22, 2011

Portraits of Uyghur People

In the center of the desert landscapes of Taklamakan, in the north-western part of China, the land of Xinjiang Uyghur Autonomous Region is the least populated land while it covers close to a sixth with the country's territory. Having resisted during hundreds of years the chinese control, Xinjiang Uyghur Autonomous Region, or Old Turkestan, fell into within the Chinese Han control in 1949. From then, its population is primarily Uyghurs and Turkish - speaking System.

Muslim primarily, the Uyghurs have a strong religious identity which, in particular, permitted them to keep a solid difference towards the Chinese enemy. Certainly, the Uyghur Empire of Mongolia knew a amazing civilization, until its absorption by the Mongolian Empire in the XIIIth century.

While in their background, the Uyghurs successively taken on Shamanism, Manicheism, Buddhism and the Nestorianism before lastly converting to Islam when the Arab conquerors beat the Chinese in year 751 BC., as a result beginning the way to the Islamization of the complete Central Asia.

Under the effect of the religions which they adopted, the Uyghurs used successively, and at times in a competing way, a large number of written forms (turco-runic, brahmi, tokharien, soghdien) before developing their own unique graphic system.

The arrival of Islam was a great modification mainly because it was supported by the assimilation of the Uyghur areas in the immense Turco-Mongolian and Muslim Kingdom. Thus, the descendants of Genghis Khan slowly replaced their writing by a Arabo-Persan alphabet, still used at present.

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

For a few years, China has integrated the proper identity of these remote people, though they represent only nine million population - a trifle for this particular great area. Thus, the Uyghurs are now part of the 56 racial minority groups having been known in an official way by the People's Republic of China.

This law will allow these people a few rights in a country where their difference is very often repressed. Thus, Uyghur families escape the "single child policy" and their language is known as the second official language in Xinjiang.

The integration of the Uyghurs and their culture in the People's Republic of China, however, seems very illusory. The presence of all natural resources in Xinjiang, and its proximity with nations known as sensitive, clearly encouraged the government to increase the sinicization of this area. Million of Han thus came to settle in this new Chinese eldorado, monopolizing the greater responsibility jobs.

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

Asserting more flexibility, but especially the acceptance of their true identity, this movement was seriously repressed by the power authorities in place Xinjiang.

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

For further information and facts about Uyghur people, you can visit a Uyghur website called Uyghur News at http://www.uyghurnews.com

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Wednesday, March 16, 2011

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And a few months later he began Hugo Cabret, which seems to have been a very trying, technical shoot because of the 3D aspect. And while other films seemed like possible follow-ups (The Irishman, for one) the most obvious way to read the news about The Wolf of Wall Street is that it makes a good choice now because it will allow him to indulge that rediscovered fondness for working quickly.

And The Wolf of Wall Street script is by Boardwalk Empire producer Terence Winter, so this would continue their partnership. Vulture says the film has left Warner Bros., where it was set up last year with Ridley Scott as a possible director. (Martin Scorsese had been attached before that, prior to Shutter Island, so this isn’t the first time the project has changed hands.) Leonardo DiCaprio’s manager has reportedly secured financing for the film outside the studio, and it looks as if the film could shoot this summer — “as early as June” — which would be an incredible turnaround.

I find this news tremendously exciting. I’ve enjoyed the Scorsese/DiCaprio partnership and think it reached a new level with Shutter Island. More important, I absolutely love the idea of the director working fast once again, especially if he’s that energized by doing so.

Here’s the book synopsis:

Belfort, who founded one of the first and largest chop shop brokerage firms in 1987, was banned from the securities business for life by 1994, and later went to jail for fraud and money-laundering, delivers a memoir that reads like fiction. It covers his decade of success with straightforward accounts of how he worked with managers of obscure companies to acquire large amounts of stock with minimal public disclosure, then pumped up the price and sold it, so he and the insiders made large profits while public investors usually lost. Profits were laundered through purchase of legitimate businesses and cash deposits in Swiss banks. There is only brief mention of Belfort’s life before Wall Street or events since 1997. The book’s main topic is the vast amount of sex, drugs and risky physical behavior Belfort managed to survive. As might be expected in the autobiography of a veteran con man with movie rights already sold, it’s hard to know how much to believe.

Of all the interesting new tech that seems poised to garner a lot of buzz in 2011, near field communication (NFC), is probably the most exciting. If it takes off, it will transform the ways we communicate, share, and make payments with digital devices. This will likely take years to happen, but the groundwork is being laid right now. And RFinity is one of those companies at the forefront.

While Google and Apple are responsible for generating much of the buzz about NFC at the moment, the technology goes far beyond simply having the right type of chip in your mobile device. For example, how do you handle different types of data transfers being made from one device to another? And how to you ensure that they happen as quickly as possible? And most importantly, how do you ensure that they happen securely? Those are the things that RFinity is thinking about.

The company has just raised $4 million from Horizons Ventures in Hong Kong. And the space has gotten so red hot, in fact, that we hear they’re already out raising another round.

And it’s an easy bet for investors to make not only because of the space, but because of where the project originated: The U.S. Department of Energy. Specifically, RFinity was born when a bunch of infrastructure security experts working for the government were assigned to find all the vulnerabilities in cell phones. Through software they came up with, they were able to quite easily eavesdrop, manipulate SMS messages, and even compromise LAN security. Then they set out to figure out a way to stop people from doing those very things. That work led directly to RFinity.

Work originally began in the person-to-person and person-to-vendor sales space by way of mobile applications that route transactions through RFinity’s own secure servers. But now that NFC appears ready, RFinity is making sure they’re ready for it. The idea is that their technology could cut out the middle man here: themselves.

Obviously, the company isn’t going to share all the details on how they secure NFC transfers. But the basic overview is that they verify an incoming NFC signal and ask for a user’s permission before taking any action. Further, if the action is a transaction, it requires a PIN, just as you might do an ATM withdrawal. That’s all pretty standard. But the key is one-time-use transaction codes that RFinity creates on the fly along with complex cryptographic signatures. These ensure that an transaction is secure since it means that every transaction can only happen once. Even if those numbers were intercepted by a hacker, they would be useless beyond the one-time payment.

And even if your phone is lost or stolen, a thief couldn’t do anything without your PIN. And you can remotely shut down your NFC capabilities via RFinity. It’s enough to make me wish I could throw out all my credit cards right now. “Today’s identification and transaction systems are based on what? A magnetic strip on the back of a card, based on a 1950’s technology that relies on a base station to read the information embedded as a series of simple magnetic markers in plastic tape,” writes Josh Jones-Dilworth, who is working with the company to bring them to market.

Again, NFC as a technology is great and potentially game-changing. But the software is still needed to make it actually work. And some of the big guys began realizing that early on as companies like PayPal, Bank of America, and even Subway have been testing out different things with RFinity for some time. In fact, RFinity has actually been doing field tests of the software end of their technology since 2009 in places like Idaho, well before most people in the U.S. had ever thought about NFC.

But now people are starting to care. And soon, they could be caring a lot more. NFC is already built-in to Google’s new Nexus S device — and the company has put out a call for developers to start using the tech. Rumors have the next iteration of the iPhone gaining the technology as well. In other words, I suspect we may be seeing acquisition rumors starting to fly around RFinity in about six months or so. Provided their technology proves up to the NFC challenge, of course.

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Monday, March 14, 2011

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Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on how to have a successful yard sale, uses for plastic grocery bags, and making money online doing simple tasks.

Other Essential Reading

5 Things You Must Do In March — Daylight savings time begins in March, so don't forget to enjoy the natural light! [Savvy Sugar]

10 Ways to Encourage Family Meal Time — Encourage family meal time by having different themes for different nights. [Parenting Squad]

Moving - for real or pretend - as a way to reduce kitchen clutter — If your kitchen is cluttered, pretend you are moving and throw out everything you wouldn't pay professional movers to move. [Simplifried]

8 Reasons to Use Your Credit Card — Make sure to use your credit card so you can take advantage of cash back programs. [The Wisdom Journal]

6 Strategies to Stop Wasting Your Raises — Next time you get a raise, don't waste it. Instead, invest it in your job. [Fiscal Fizzle]

By Douglas K. Smith, Member, Board of Directors, SeaChange Capital Partners

Social impact bonds, a useful experiment underway in England, is gaining attention on this side of the pond, including from the Obama administration. We are glad to see this at SeaChange (a non-profit group seeking innovative ways to bring capital to the non-profit sector). What is deeply concerning, though, is how some elites are packaging and promoting social impact bonds as yet one more example of everything the market does is good while everything government does is bad. Moreover, these same elites betray a stunningly superficial grasp about how markets actually work.

This is lamentable. Think for a moment about a common method among athletic coaches. Whether its tennis, golf, baseball, or any other sport, coaches know that athletes might get the right or wrong results by doing things the right or wrong way. You might win a tennis match with a sloppy forehand – and, ultimately, if you’re to improve your game, you need to win matches hitting forehands correctly. My skepticism, then, is less about using and learning from social impact bonds than about the ‘right result, wrong way’ advocacy that links them to ideological ‘givens’ about always good markets and always bad government. Moreover, this same overly simplistic positioning threatens to create ‘wrong result, wrong way’ outcomes by too easily producing misuses of social impact bonds in ways that cause them to fail.

For those who’ve not heard of them, let’s answer the Times’ David Leonhardt’s question, “What are social impact bonds?”

The short answer: a vehicle offering investors bond-like returns for taking equity-like risks on investing in potential solutions to socio-economic challenges. The key to success lies in the performance results achieved by the social service providers. If yes, investors gain bond-like returns sourced from cash linked to that performance. If the providers fall short, however, investors suffer equity-like losses. A group called Social Finance is experimenting with social impact bonds aimed at reducing recidivism among inmates in a UK prison. If they lower the recidivism rate by 10% greater than comparable prisons, investors gain between 7.5% to 13.5% returns. If the social service providers fail to do this, investors lose their money.

Let’s first look at the ‘right result, wrong way’ chorus on how social impact bonds derive from the wonderfulness of markets. Leonhardt does this. So does Harvard Professor Jeffrey Liebman in a Center for American Progress white paper on the subject.

Both are enthusiastic about how social impact bonds can bring much needed to capital to serious social ills. Terrific! Maybe we’ll get the ‘right result’. But why must each slide into the all-too-predictable ‘either/or-ism’ that bedevils our search for creative solutions to real problems. Not only do they premise support for social impact bonds on the monotonously dumb meme of ‘markets good/government bad’; but, they do so in ways that threaten to add the phrase ‘market discipline’ to ‘free markets’ and ‘shareholder value’ as yet one more entry in the mindless lexicon of the status quo.

Discipline is not a phenomenon uniquely linked only to markets – a point ignored by Liebman and Leonhardt. We can and do speak just as much about organizational disciplines, network disciplines and personal disciplines. What ‘market’, e.g., explains the discipline used by weekend tennis players to hit forehands correctly? Organizations, too, choose the disciplines used to achieve their purposes. Yes, sometimes those choices are influenced by markets – but not always and certainly not always in ways so ideologically implied by Liebman and Leonhardt.

Liebman notes that too many government programs have disciplines that focus more on defining activities than results. But it does not follow logically or empirically that ‘market discipline’ is the only cure when such an activity-focus has ill effects. (I say “when” because, while there are ill effects to address, Liebman’s ‘either/or-ism’ ignores the good effects of an activity-focus in governmental contexts; namely, the means and ends demanded by notions of fairness and due process inherent in some versions of the rule of law.) Most private sector organizations, by the way, also have various forms of activity-driven disciplines that arise from the operations of their hierarchies, management processes and shared values – patterns that emerge notwithstanding the effects of the disciplines imposed by the markets in which they compete. Consider only the long, sad history of American automakers over much of the last three to four decades. For them, activity-driven organizational disciplines trumped ‘market discipline’.

But the flip side is also in evidence. That is, in addition to observable private sector activity disciplines trumping market discipline, we also see plenty of examples of organizational performance disciplines instead of activity disciplines in the absence of any market. Over the past few years, for example, a range of Georgia state government leaders with whom I’ve worked have shifted their agencies toward performance disciplines for services ranging from driver’s license renewals to job preparedness to prison reform to education to highway maintenance and more. Millions of dollars have been put to more productive use, and dozens of innovations plus much better customer service and new capabilities have been spawned – and all in the absence of any discipline derived from any market.

Both/and. Not either/or. The bottom line: markets might impose performance disciplines on organizations. But, contrary to the ‘markets good/governments bad’ trope, there’s neither any guarantee that the existence of a market equates with a disciplined focus on performance nor the inevitability that the absence of a market prevents as much. Why then is there this deep-felt need by elites to hew their conversations to the ideological line of ‘markets good/governments bad’?

The absence of ‘market discipline’, then, does not prevent any agency at any level of government from a shift to performance: it’s a question of leadership and will. Might social impact bonds help? Yes. But it’s not the kind of sine qua non requirement suggested by Liebman’s and Leonhardt’s all-or-nothing use of a phrase like ‘market discipline’.

Next, the ideological use of ‘market discipline’ clothed in ‘market good/government bad’ rhetoric is, well, unreal. Liebman and Leonhardt are smart and accomplished individuals. They’ve been around. So, why the thundering silence about ‘market discipline’ and, ahem, you know, events of the past decade? How did this ideologically pure ‘market discipline’ work out in financial, residential and commercial real estate, health care, and other markets? Leonhardt points to the wasting of ‘billions of dollars’ in government programs. How about the trillions of dollars of value destruction in these arenas subject to ‘market discipline’?

The concept that market discipline guarantees efficiency and effectiveness is fallacious. Nearly four years ago, for example, it was clear that the performance disciplines used by the best non-profit housing groups far outstripped the performance disciplines used by the private sector in terms of delinquencies and foreclosures. Yet, the private sector got all the capital. So much for ‘market discipline’. What happened there? Was there no market discipline? Was there no link between capital markets and competitive performance?

No. Actually, the reverse. Capital market discipline combined with organizational and managerial disciplines to promote a peculiar kind of performance on private sector players. We all know the nice sounding words that were (and are) used for this: earnings, returns, ‘shareholder value’. It’s just that these melodious sounds became ever more narrowly and loudly linked to unsustainable and even criminal greed through the precincts of the shorter-term, the quicker buck, the larger bonus, and the faster, more untraceable shifting of risk to others. Yes, ‘market discipline’ focused all of the various players on performance – banks, mortgage brokers, real estate brokers, hedge funds, ratings agencies, lawyers, accountants and more. But instead of efficiency and effectiveness that maniacal performance focus gave us control fraud, speculation, looting and managerial–and-casino capitalism.

Does that make ‘market discipline’ evil and bad? No. Remember: both/and, not either/or. Liebman and Leonhardt would recoil at anyone who condemned ‘market discipline’ to be banished from human experience based on these gargantuan failures of the past decade. Why, then, do they crow so loudly in favor of market discipline as a panacea for government and social sector ills? Again, why only a reference to the billions wasted by (some) government efforts and not the trillions destroyed by (some) markets?

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Friday, March 11, 2011

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Founded in 2009 by Amanda Steinberg, DailyWorth is a day-to-day email newsletter that includes specifics on economical literacy and funds management skewed in the direction of a female audience. DailyWorth’s topics vary from the best way to organize your finances to tax ideas to saving assistance. And DailyWorth has an remarkable editorial workers to produce content. MP Dunleavey, formerly a private finance columnist with the New york Times and presently a contributor with Capital magazine, is primary DailyWorth’s editorial crew.

Regardless of unions’ extended hatred of Scott Walker, the new governor is moving to tackle each the signs from the disease as well as condition itself-the public-sector union scheme that has molested Wisconsin’s taxpayers and their small children by gaming the program. Unions like Wisconsin’s teachers’ union [WEAC] (which was Wisconsin’s biggest-spending lobby in 2009) are already extraordinarily adept at repairing the process via investing hundreds of thousands to elect politicians who, in turn, reward the unions on the expense of your taxpayers.

the Wisconsin battle, when when compared with private-sector negotiations is about: one) the Scope of Bargaining, two) Union “Income” Safety [Right-to-Work vs. Compelled Dues], 3) irrespective of whether Wisconsin ought to be the unions’ dues assortment agency [payroll deduction of dues], and 4) whether or not public-sector unions may want to be ‘recertified’ by keeping elections every last yr.

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On Monday evening, I watched my initially, The Last Phrase host Lawrence O’Donnell.
Even while O’Donnell laudably attempted to target the audience’s consideration onand hopefully previous, Charlie Sheen trainwreck interview, courtesy of the tragic undertow that threatens to pull Sheen underneath for excellent, I was overtaken, not through the pulling on the thread, and therefore the voracious audience he serves. It did not make me unhappy, it crafted me angry.

Regarding celebrities, we will be considered a heartless country, basking in their misfortunes like nude sunbathers at Schadenfreude Seashore. The impulse is understandable, to some diploma. It could possibly be grating to listen to complaints from people who take pleasure in privileges that most of us can’t even just imagine. Once you can not muster up some compassion for Charlie Sheen, who can make more income for any day’s get the job done than most of us will make inside a decade’s time, I guess I can not blame you.

Together with the quick pace of activities on the internet and then the details revolution sparked through the World wide web, it’s quite simple and easy for the solutions business to consider it is exceptional: frequently breaking new ground and carrying out things that no one has at any time finished earlier than.

But you will discover other kinds of enterprise that have already undergone a lot of the same radical shifts, and also have just as fantastic a stake inside the future.

Consider healthcare, as an example.

We frequently suppose of it being a immense, lumbering beast, but in fact, medication has undergone a sequence of revolutions inside previous 200 many years which might be not less than equal to those we see in technological innovation and specifics.

Much less understandable, but nonetheless inside of the norms of human nature, is the impulse to rubberneck, to slow down and look at the carnage of Charlie spectacle of Sheen’s unraveling, but in the blithe interviewer Sheen’s lifestyle as we pass it in the right lane of our daily lives. To become sincere, it may be hard for men and women to discern the distinction amongst a run-of-the-mill interest whore, and an honest-to-goodness, circling the drain tragedy-to-be. On its very own merits, a quote like “I Am On the Drug. It’s Termed Charlie Sheen” is sheer genius, and we can’t all be expected to consider the complete measure of someone’s daily life every single time we hear one thing funny.

Rapid forward to 2011 and I am endeavoring to look into indicates of currently being a bit more business-like about my hobbies (generally new music). Through the conclude of January I had manned up and started to promote my blogs. I had made a lot of various weblogs, which were contributed to by associates and colleagues. I promoted these routines thru Facebook and Twitter.

Second: the minor abomination that the Gang of Five around the Supream Court gave us a year or so back (Citizens Inebriated) basically is made up of a touch bouncing betty of its personal that can very perfectly go off from the faces of Govs Wanker, Sacitch, Krysty, and J.O. Daniels. As this ruling prolonged the principle of “personhood” to both firms and unions, to consider to deny them any best to run inside of the legal framework that they were organized below deprives these “persons” for the freedoms of speech, association and motion. Which implies (when yet again, quoting law school educated family members) that either the courts should uphold these rights for your unions (as person “persons” as guaranteed through the Federal (and most state) constitutions, or they have to declare that these attempts at stripping or limiting union rights should utilize to main companies, also.

How is Elop going to address this by
using Windows OS? He has to do more than just charge more, he has
to produce better product at competitive prices, which keep getting
lower. Elop will have to license the Widows OS, which is an
expense, one that he would bear to nowhere near the same extent if
he used Android. I feel he mistakenly looks at this as Google
commoditizing the Android platform, in lieu of the more reasonable
perspective of Google commoditizing the entire portable computer
space.

Well, the answer has arrived. Microsoft is buying Xx% of Nokia for paying Nokia over $1 billion to product Windows Phone 7 hardware.
Nearly all of this money is undoubtedly going into R&D and
marketing. Nokia and Microsoft (their new defacto owners) invariably see
Google as the pre-eminent trheat and are pulling out all of the stops
to nullify said threat. This also answers the question of how Elop, the
Nokia CEO will be able to deal with the reduced margins of having to
buy OS licenses while competing with vendors who get Android for free –
Microsoft is not only footing the bill, but investing in the business
as well. You see, the drop in Nokia’s share price is highly unwarranted
and their is visible synergy in this deal. Nokia gets to remove the
costs of OS R&D from its line times, sunk costs that have apparently
had negative incremental returns as they have had their asses handed to
them by Apple and most definitely Google – who knocked them off of
their number one market share perch in just over a year.

Microsoft gets the economic benefits of an existing hardware platform
that happens to have the number one marketshare metric in the world,
and gets it for just over a billion dollars. This is a win-win
situation. The question is, will it win againt Google. Both companies
will still fail if they don’t execute on Google-time, who has compressed
development cycle years into months – literally!

From the Bloomberg article linked above:

Shrinking Margins (yeah, you’ve hear thist from me often enough)

Espoo, Finland-based Nokia needs to cut
costs to keep operating margins from narrowing further, after they
shrank to 4.9 percent last year from 19 percent a decade earlier. For
2011 and 2012, Nokia may cut its budget for research and development in
devices and services by about a third from last year’s spending of about
3 billion euros, said Sami Sarkamies, a Helsinki-based analyst with
Nordea Bank.

Microsoft spokeswoman Melissa Havel
declined to comment on the specifics of the agreement. Laurie Armstrong,
a spokeswoman for Nokia, said the final contract hasn’t been signed and
the company will share further details when they are complete.

Nokia’s royalty payments will help
Redmond, Washington- based Microsoft make a profit on the accord even
after the payments to Nokia, one person said. Some of the payment to
Nokia would be made before the company starts selling the phones,
meaning Microsoft bears some upfront cost in the partnership.

…

Microsoft shareholders want the company
to salvage its mobile-software business while also reining in costs. The
company doesn’t break out results for its mobile-software unit, and
instead groups them with the profitable Xbox video-game business, making it difficult to evaluate the financial performance of phone software.

Chief Executive Officer Steve Ballmer
has come under pressure from investors and his own board to improve
sales of mobile software after the company lost market share to Google
and Apple. Microsoft stock has declined 7.8 percent so far this year.

The agreement for the more than
billion-dollar payment was part of a campaign by Microsoft to keep Nokia
from choosing Google’s Android operating system, one of the people
said. Nokia also opted for Microsoft because Windows Phone software,
which is newer than Android and has a smaller number of handsets for
sale, gives Nokia a better chance to stand out, one of the people said.

The agreement also has Microsoft paying Nokia for the right to use its patent portfolio, one of the people said.

As part of the deal, Microsoft will use
Nokia’s Navteq mapping products for functions such as geolocation
services and selling local advertising and coupons tied to a user’s
position. If successful, that also could generate additional revenue for
Nokia, which will share in the sales. The two companies will also
divide revenue from services like search and advertising, Microsoft
President Andy Lees said last month.

I’ve been warning my subscribers about margin compression in this
space, and its about to get much uglier – to the extreme benefit of
consumers of personal and enterprise tech. Previous (and prescient)
posts from last year on this topic…

Don’t Count Microsoft Out of the Ultra-Mobile Computing Wars Just Yet
After Getting a Glimpse of the New Windows Phone 7 Functionality, RIMM is Looking More Like a Short Play
As
I Warned in June, DO NOT DISCOUNT Microsoft in This Mobile Computing
War! Their Marketing Campaign is PURE GENIUS! and it Appears as if
the Phone Ain’t Bad Either
Apple on the Margin
How
Google is Looking to Cut Apple’s Margin and How the
Sell Side of Wall Street Will Enable This Without
Sheeple Investor’s Having a Clue

Monetizing the Mobile Computing Race

We have a pretty firm idea of who is in the pole position as of now,
but that position is both risky and volatile, not to mention medium to
long term in nature – see Navigating BoomBustBlog Subscription Material To Find The Google Valuation Drilldown.

A more risk averse strategy is to go long on the component vendors
who supply those battling for pole position. Last week we released the
document Long candidate #1 – Hardware: The Mobile Computing Wars
to subscribers that outlined who our number one pick was after an
initial scan. This is not necessarily the absolute final say on the
matter since we have yet to perform a full forensic analysis, but the
company does look good in comparison to over 120 peers. Non-subscribers
should reference The Potential Equity Investments Most Likely To Prosper From the Google/Apple/Microsoft Mobile Computing Battle.

I am releasing the draft of the full shortlist of prospective long
candidates as of now (17 pages, 5 companies) to subscribers. Please be
aware that is a draft document and work in progress, but it is quite
informative nonetheless. See Mobile Computing Vendor Long List Note WIP. Those who wish to subscribe should click here.

Click here to read up on all of Reggie Middleton’s Mobile Computing War opinion, analysis, and research.

James Franco Told Frida Giannini He’s Making A Gucci Film

by Julia Rubin | 5:25 pm, February 19th, 2011

The March issue of Harper’s Bazaar just won’t quit…and it hasn’t even hit newsstands yet. In addition to pieces on Kim and Liz, Prabal and DVF, Daphne and Hillary, the magazine also features an interview James Franco conducted with his friend Frida Giannini.

The Gucci creative director dished on all sorts of things with the actor/director/soap star/student/overachiever who had this to say about the designer: ”Frida and I have been in sync since we met. I love her work, and she supports mine. Creatively, I know we will always be in line with each other.” (Also, Franco joked that his next project is “making a documentary about you and Gucci.” But we just don’t know if he’s kidding.)

On Gucci’s pragmatism:

JF: When you see the clothes at a fashion show, sometimes they’re more extreme than what you see in the store, right?

FG: Well, not always at Gucci. I believe what we are showing on the catwalk needs to be in the stores. The big stores like in New York or London or Paris, the main flagships, they always have the entire collection–even the extreme pieces. There are people who are waiting for the extreme pieces from the fashion show. We are not the kind of company that thinks, Okay, I’ll do something for the runway, and I’ll make an entire new collection to sell.

FG: Chanel is always doing incredible sets, and they change it every time. We’d rather spend money on other things than make a big, spectacular thing you would see for 10 minutes because we are working for six months on a collection.

On fashion globalism:

JF: So then, because Gucci is all over the world and you’re thinking about people actually wearing these clothes, do you have to think slightly differently for each part of the world?

FG: I never think about it because I think people in the world, from the U.S. to Asia, love Gucci because it’s about aspiration. I don’t think if I made a speciic collection for a Chinese woman, she would be happy. They don’t want something speciic for them. I did a collection that was very Russian, inspired by the artists in Russia in the ’20s and ’30s who left and went to Paris. It performed very well all over the world–except in Russia.

JF: And why, do you think?

FG: I talked to the managers in Russia, and they said they didn’t like the reference to them. So this is an example that was quite strange. Maybe if I make a collection inspired by India, with the colors of India, people in India won’t like it.

On criticism:

JF: I know Harper’s Bazaar is here listening to us, but if you’re criticized heavily in a big fashion magazine, does that have any real effect on sales or what people like?

FG: The first couple of seasons, I was in shock sometimes because I had very mixed reviews, especially because it was right after Tom Ford. Can you imagine the pressure? I am a woman; he is a man. I am Italian; he is American. Very, very different. Now I am much more relaxed; sometimes I receive very bad criticism and read between the lines of the bad reviews.

Sometimes I have thought it was a good suggestion for me because I know that the journalist has a great mind and has much more experience than me. Generally speaking, I’m very open to criticism. I will never say, “I had a bad review from you; I don’t want to meet you anymore.” I believe in what I am doing, and I believe in my ideas, but I think it is very constructive to be open to understanding other thoughts.

[Harper's Bazaar]

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Source: http://removeripoffreports.net/ online reputation management

The ultimate in repairing a bruised reputation for business

Saturday, March 5, 2011

foreclosure list

It is distressing to watch/read the Beltway media struggling to avoid an honest description of what is happening in Washington as the Tea-GOP-ConservaDems lay siege to America’s future. This appearance by economist Jeffery Sachs [video of his trying to overcome the media's ingrained framing] illustrates the problem.

Never mind Congress’ total indifference to America’s real problems. In the real world, there is massive unemployment, record poverty and inequality, 50 million without health insurance, pointless wasteful wars, strangling states and cities, millions facing foreclosure, global climate threats, and a collapse of the rule of law, etc. As Matt Taibbi documents in his Why Isn’t Wall Street in Jail?, no elites have been held accountable for creating these catastrophes. Yet there isn’t a single initiative from the Tea-GOP Congress to deal with any of this. So why isn’t Congress’ and the Administration’s neglect of these real crises the lead story on every media every day?

It would be ludicrous if the media thought the Tunisian and Egyptian regimes just fell because of public concerns over the next fiscal year budget deficit. Every poll tells us our citizens, like the protesters there, regard that issue as far down the list, well behind the lack of jobs, education and an economically fair and secure future.

What we are witnessing in Congress and in states with radical Tea-GOP Governors is an unrelenting assault on all of the economic and intellectual foundations of our present and future. They’re waging war on us, effectively targeting the economic security and future of a majority of Americans. Oh, the rich will do just fine; the Obama Administration and Congress will take care of them as they did in December. You and your children and their future are the targets.

If this were a conventional war — think WWII — the enemy would be bombing our bridges and rail lines, blowing up government centers, attacking police and firemen stations, and letting our factories burn. They’d be undermining basic research, stealing technology, and targeting our schools hoping to cripple our intellectual ability to advance, feed ourselves, produce what we need and hold the nation together. They’d work to incapacitate and strangle state and local governments, to demoralize and crush the public’s confidence. They’d try to cripple the public health system and leave us defenseless against massive outbreaks of disease. They’d dismantle environmental protections designed to protect public health from toxic water, deadly emissions, and unsafe consumer products. And on and on.

Take a close look at that list. Which part of this coordinated attack on the nation’s economy and civilization’s foundations do you think is not happening? The nihilists have a defunding equivalent for every single one of these wartime tactics for defeating a nation. They’re being proposed today in your Congress and many State legislatures.

The effects will be the same. Instead of literally bombing existing rail lines and bridges, they’re denying the funds needed to keep dangerously deteriorating infrastructure from collapsing or to build new infrastructure for future growth. If you refuse to build needed new schools, or new water treatment plants, or new pollution control facilities, it’s just like building them but blowing them up later. States have been forced to fire over 400,000 public employees — teachers, administrators, firemen, police, sanitation and health workers, and if the current proposals force another million into unemployment, the national leadership’s reaction is “so be it.”

We hear public service announcements everywhere these days. “If you see something, say something.” If you observe suspicious activity that could endanger the public, report it. Okay. So, if they’re effectively destroying our bridges, our rail service, our police and fire stations, our schools and public health facilities, how should we respond? If we see this happening, should we report it? Should we surround the capital and not let them in? Should we make a citizen’s arrest and turn these thugs over to the authorities? How about this and this (h/t Adam 503 from comments)?

And who are the responsible authorities? We don’t seem to have a Justice Department, and the nihilists would defund even the modest enforcement efforts of regulatory agencies. Our President is a modern-day Chamberlain; if only he can reach a “grand bargain” with the nihilists, cut social security some, let only a few more old people freeze in the dark, and give up on raising taxes, they’ll settle for Poland; they’ll give us budget peace in our time, beyond the current continuing resolution, and let the debt limit rise. Right.

All of this destructive activity is happening right before our eyes, while the media pretends this is only a political argument, with lists of competing economists, about how quickly the nation’s debt should be reduced. Gibberish.

When the President and Congress hand the richest people in America $120 billion now and make it more likely for trillions later, there is no serious debate about debt. This is not about debt; it’s about a redistribution of wealth, security and influence, from the poor and middle class upwards to the wealthiest.

As for the long-run deficit/debt issue: our media can’t seem to remember that every reputable study has shown the problem is caused not because seniors get too much care but because health care costs are too high and rising too fast — we pay providers too much, up to twice as much as other nations, to provide less than universal care. Solve that and the long-run deficit problem disappears; ignore it, and rising health costs endanger the whole economy, not just the federal budget.

Decades ago, when we understood we were at war, the ratio of government debt to the economy was vastly larger than it is today. We used deficit spending to win the war and save the economy. Yet we defeated the world’s most evil regimes and emerged as the strongest nation in the world. Despite that debt, or actually because of the foundations it set, we embarked on one of the greatest, most broadly shared expansions of human prosperity in history. Today’s nihilist coalition doesn’t want you to know that.

At the time of the now famous Ibanez decision, in which the Massachusetts Supreme Judicial Court dealt the securitization industry a not-all-that-surprinsing loss by saying that lenders and servicers had to be able to produce reasonable evidence that the mortgage had indeed been transferred to the party that was trying to seize the house. The court wrote:

When a plaintiff files a complaint asking for a declaration of clear title after a mortgage foreclosure, a judge is entitled to ask for proof that the foreclosing entity was the mortgage holder at the time of the notice of sale or foreclosure…. A plaintiff that cannot make this modest showing cannot make this modest showing cannot justly proclaim that it was unfairly denied a declaration of clear title.

Also note this section of the concurring opinion by Judge Cordy:

Foreclosure is a powerful act with significant consequences, and Massachusetts law has always required that it proceed strictly in accord with the statutes that govern it….The plaintiff banks, who brought these cases to clear the titles that they acquired at their own foreclosure sales, have simply failed to prove that the underlying assignments of the mortgages that they allege (and would have) entitled them to foreclose ever existed in any legally cognizable form before they exercised the power of sale that accompanies those assignments.

We were reminded of an outstanding mystery in the Ibanez case by a story tonight by Abigail Field on the role of carelessness by lawyers in the mortgage mess. She mentions a stunning aspect of the Ibanez case, one that quite a few observers, including yours truly, discussed privately at the time: that neither of the banks involved in the case produced a decent set of transaction documents (US Bank didn’t even provide a copy of the pooling and servicing agreement).

It is hard to convey how surprising this revelation is. If you have participated in any kind of corporate transaction, even at the small business level, your attorney as a matter of course will keep a signed copy of the agreement and any important related documents. The servicers and trustees would know that full well. So why did no one call issuer’s counsel and get the paperwork?

Field puzzles through this lapse and comes up with an incomplete list of possibilities:

So, the issue of partial deal documents that came to light in Ibanez and continues to crop up elsewhere means one of three things:

1. Securitization deals were so carelessly done that, despite all the proper documents being created, closing sets don’t exist.

2. Securitization deals were so carelessly done that not all the proper documents were created (such as lists of the mortgages involved) and so closing sets don’t exist.

3. All the documents and closing sets are fine, and the big banks have grown so incompetent they can’t give their foreclosure attorneys deal documents that they do have or could get from their securitization counsel.

I have trouble with her theories 1 and 2. The firms that did securitizations were white shoe firms, some of them of the cusp of top tier, the others just a wee notch below. And this was a bread and butter business. The donkey work of making sure all the documentation is in order is junior level time, which is marked up fully and thus nicely profitable. There would be no reason for the law firm to scrimp on it, and no reason for the client to want the law firm to cut corners.

MBS Guy has an opinion much more in keeping with mine:

I am even more convinced that the failure of the banks’ attorneys to track down the actual legal documents was not “carelessness”. I find it too hard to believe that the attorneys were this incompetent on an appeal of a major issue to the state’s supreme court. They had plenty of time (over a year).

Every deal I ever worked on had a full set of closing documents prepared in a binder. The issuer’s counsel law firm typically sent all of the documents to us via CD. We had stacks of them.

I suspect the foreclosing attorneys requested the documents and the requests were rejected by clever attorneys for the issuers who saw the potential liability and didn’t want to create a clear paper trail back to them.

If the low level foreclosing attorney looks incompetent in assembling his case, that’s one thing. If a big Wall Street law firm made a major mistake about the legal basis for selling loans without proper title in Massachusetts or any other state, well, that’s a whole different story.

Professor Adam Levitin has similarly pointed out that the major securitization law firms are in a sticky position, since they have legal liability on opinion letters.

But how would that operate? Those opinion letters were in an “if-then” form, “if you followed the steps you set forth, then you have a true sale.” But it now appears that much if not all of the securitzation industry opted, sometime after 2002, to change its procedures for how it handled promissory notes and liens without changing its contracts. That means, as we have pointed out repeatedly, that the parties in the origination process made very specific commitments to investors that they violated repeatedly, as a matter of business practice. Yet astonishingly they didn’t change the agreements to reflect what appears to have been a widespread adoption of new practices. Instead, they let the disparity, and the attendant liability, go unremedied.

It seems inconceivable that some of the players involved did not get counsel’s advice on this issue (I’d be stunned if Goldman didn’t; the firm is obsessed with having legal cover for its actions). But the breakdown was primarily in the custodial/trustee end of the process, which is a particularly low fee activity. So it is possible that the trustees or custodians conferred with their attorneys and did not formally bring issuer’s counsel into the loop. At the same time, these bad practices appear to have become so deeply embedded that I find it hard to believe that everyone on the sell side of these deals did not know what was happening as the new procedures became widespread.

As Field intimates, and I’ve said separately, until we see lawyers disbarred and facing charges, we can be pretty certain that we are only scratching the surface of mortgage abuses. But it is beginning to look like that day is not too far off.

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