Tuesday, September 21, 2010

personal finances help

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Editor’s Note: On the right, please watch our exclusive interview with Indiana Governor Mitch Daniels, and then below, please read an original guest blog to The Foundry from the Governor himself.

We’ve been through a global recession. Now we’re fighting through a stalled recovery. Revenues are the lowest they’ve been in half a century. Their finances a wreck, many states have effectively sunk into bankruptcy.

Indiana is still afloat. In fact, we’ve fared better than most. We continue to meet our obligations without raising taxes, and the reserves we carefully built and protected will get us through the downturn.

But as if we did not already have enough on our plates, the passage and implementation of Obamacare presents us with a whole new set of challenges and a costly to-do list.

id="more-41858">I note with special sadness that first and foremost amongst the bill’s consequences will be the probable demise of the Healthy Indiana Plan (HIP). This program is currently providing health insurance to 50,000 low-income Hoosiers. With its Health Savings Account-style personal accounts and numerous incentives for healthy lifestyle choices, it has been enormously popular and successful.

Obamacare’s expansion of Medicaid, soon to cover one in every four citizens, will not only scoop up most of HIP’s participants, but will also cost the state between $3.1 and $3.9 billion over the next decade. It is hard to see how my successors as governor will be able to avoid a steep state tax increase to pay for it. Meanwhile, our medical device companies and small businesses will shed jobs as they wrestle with the taxes and penalties levied to help finance Washington’s “reforms.”

Of course, it’s a misnomer to even refer to this as “reform.” It doesn’t reform anything. Instead, it perpetuates and magnifies all the worst aspects of our current system: fee for service reimbursement, “free” to the purchaser consumption, and an irrationally expensive medical liability tort system. It’s a sure recipe for yet more overconsumption and overspending.

There were better options.

Since my election, my state coworkers have had the choice of Health Savings Accounts in lieu of traditional health care plans. The first year this option was made available, some 4 percent of us signed up for it. Six years later, more than 70 percent of our 30,000 state workers have opted for the personal account.

This trend has had a startlingly positive effect on costs for both employees and the state. State employees enrolled in the consumer-driven plan saved more than $8 million in 2010 compared to their coworkers in the old-fashioned preferred provider organization (PPO) alternative. Indiana will save at least $20 million in 2010 because of our high HSA enrollment.

It has also been the source of significant changes in behavior, as state workers with the HSA visit emergency rooms less frequently and are more likely to use generic drugs than co-workers with traditional health care. Hoosiers enrolled in HIP have experienced similar changes in behavior with generic drugs now accounting for 84 percent of all prescriptions used by enrollees.

This is a sharp contrast to the prevalent model of health plans in this country that encourage individuals to buy health care on someone else’s credit card. What seems free will always be overconsumed, compared to the choices a normal consumer would make. Hence our plan’s immense savings.

The condescension of the “reformers” is misplaced. It turns out that typical Americans are neither too dense nor too intimidated to make sound decisions about their own health. This is, of course, a fact that national policy makers sadly ignored during their overhaul of our health are system. Now the rest of us are left to pick up the pieces.

Well, it's nice of Jim Geraghty at Rich Lowry's NRO to try and tell us what a wonderful, somewhat conservative Republican Mike Castle is. Think about it, folks. In the video Jim posts, one I also posted, Castle basically claims we are now in the era of bi-partisan national health care, whether we like it, or not. And that doesn't bother NRO, they actually think it's a good thing.

It's time to admit what a dismal failure Rich Lowry is. It isn't as if it's a big secret in conservative circles. National health care? Obviously, that's no problem, according to Lowry's NRO. The truth is, NRO isn't capable of leading anything when it comes to a movement, not a conservative one, any way. I don't even want to think of the kind of movement a conservative should associate with Lowry's NRO today.

As for what they don't want you to know about Mike Castle, how's this from Redstate, for starters, with more below. Castle has forty years in, allegedly, as a public servant. How many honest people who work hard for a living every day are able to accumulate personal wealth in excess of 8 million dollars on what is little more than an honest pay check? Why isn't NRO interested in whatever corruption could lead to Castle accumulating that kind of wealth as a member of the House?

He is a forty year career politician who happens to call himself a Republican, as once did Charlie Crist, Arlen Specter and Jim Jeffords. Mr. Castle is a habitual tax raiser. He is unwaveringly pro abortion and he has earned an F- rating from The NRA. He voted for TARP, Porkulus, the auto and banking industry takeovers, Cash for Clunkers as well as Cap and Trade. Most recently, he co-sponsored the disclose act which is nothing more than an assault on the first amendment designed to muzzle his political opposition.

While on the topic of opposition; Mr. Castle has made it clear that were he elected senator, regardless of his political affiliation, he has no intention of opposing current Democrat policies. This is entirely consistent with Mike Castle’s long liberal record of growing government.

In his forty years as a “public servant” Mike Castle has managed to accumulate for himself an estimated $8 million dollar personal net worth. Now he has decided to make an issue of his conservative primary challenger’s finances.

NRO doesn't, as Buckley intoned, stand athwart history and yell stop, any more. They stand outside corporate and donor offices saying, how much? That, when they're not standing outside establishment Republican's Hill offices saying, can I please come in? Look how nice we were, endorsing John McCain! Look at how we embarrassed ourselves to help elect your pick, liberal Mike Castle in Delaware.

We're NRO. We're the conservative voice of American politics (wink wink). Okay, really, we're just Republican whores and we have absolutely no shame about it. Just keep the cash and the access coming, we'll be good little boys and girls.

As if John McCain wasn't enough and perhaps arguably excusable - now it's liberal Mike Castle, too? They're smart enough to know Castle plays the usual games with his voting, providing just enough cover to remain a Republican, while selling us out on everything that truly counts. An F rating from the NRA. He voted for the Disclose Act, Cap and Trade, S-CHIP, against the surge. He's fully in bed with the SEIU. Read it at link.

And that's who Buckley's NRO is schilling for today? What a disgrace as an allegedly conservative magazine. Bill Buckley wouldn't line his bird cage with the establishment rag Lowry has made NRO into today. While we're throwing out corrupt politicians, we might do well to throw out Lowry and some of the GOP flacks and hack writers at NRO so willing and quick to sell out conservatism today, as well.

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Pentax K-5 announced and previewed: Digital Photography Review

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But as if we did not already have enough on our plates, the passage and implementation of Obamacare presents us with a whole new set of challenges and a costly to-do list.

There were better options.

He is a forty year career politician who happens to call himself a Republican, as once did Charlie Crist, Arlen Specter and Jim Jeffords. Mr. Castle is a habitual tax raiser. He is unwaveringly pro abortion and he has earned an F- rating from The NRA. He voted for TARP, Porkulus, the auto and banking industry takeovers, Cash for Clunkers as well as Cap and Trade. Most recently, he co-sponsored the disclose act which is nothing more than an assault on the first amendment designed to muzzle his political opposition.

While on the topic of opposition; Mr. Castle has made it clear that were he elected senator, regardless of his political affiliation, he has no intention of opposing current Democrat policies. This is entirely consistent with Mike Castle’s long liberal record of growing government.

In his forty years as a “public servant” Mike Castle has managed to accumulate for himself an estimated $8 million dollar personal net worth. Now he has decided to make an issue of his conservative primary challenger’s finances.

robert shumake

More Fallout Online art dribbles out MMO News - Page 1 | Eurogamer.net

Read our MMO news of More Fallout Online art dribbles out.

ChampMan media scandals "would be fun" News - Page 1 | Eurogamer.net

Pentax K-5 announced and previewed: Digital Photography Review

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More Fallout Online art dribbles out MMO News - Page 1 | Eurogamer.net

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ChampMan media scandals "would be fun" News - Page 1 | Eurogamer.net

Pentax K-5 announced and previewed: Digital Photography Review

Saturday, September 18, 2010

personal finance budgeting

Are you a fan of the GTD personal productivity system? Well if you like "Getting Things Done," here's GFD, Getting Finances Done, which shows you how to map David Allen's same principals to managing your personal finance and achieving your financial goals.

Applying GTD principles to your personal finances - Part 1 [Getting Finances Done]

Use Prepaid Travel Cards to Budget Travel Expenses

Vacation is a time to let loose and have a little fun. It's all too easy, however, to let having a little fun turn into spending way too much. Use prepaid travel cards to keep spending contained, secure, and in budget.

Photo by eliazar.

Finance and frugality blog WiseBread shares a set of tips on using prepaid travel cards for safe, secure, and budget-friendly travel spending.

A prepaid travel card is generally usable in the place of a debit or credit card. You can withdraw cash at an ATM, pay for purchases, and make travel reservations. And as the name suggests, you prepay these expenses by loading money onto the card.

It is just as secure as a debit or credit card, since the prepaid travel card is protected by a PIN and/or signature. In fact, some would say that prepaid travel cards are even more secure, since the money is not linked to your bank account and has a limited balance (which limits your exposure).

It can also be a handy tool for budgeting, since you would load only the money you plan on spending for the trip onto the card, which helps you stick to your travel budget.

Check out the full article at the link below for additional tips and tricks including what to look for when shopping for a card like avoiding cards with a cash-out fee. Have your own tips for keeping your money secure and sticking to a budget while traveling? Let's hear about it in the comments.

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Fox News and anchor Chris Wallace have jointly filed a lawsuit against Missouri Democratic Senate candidate Robin Carnahan in response to her latest ad, which features a 2006 interview between Wallace and her opponent, Rep. Roy Blunt.

Hot Air » Great news: Incumbent sore loser to launch desperate bid ...

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Read our news of Capcom's profits plummet. ... Bionic Commando faceoff comparison video 18 June, 2009. Bionic Commando - Trailer 18 May, 2009. Latest News. Ex-GRIN devs open new studio . Capcom unveils BC: Rearmed 2 ...

Tuesday, September 14, 2010

personal finance manager

When I first arrived in Japan in 1974, international investors widely expected the country to collapse, a casualty of the overnight quadrupling of oil prices to $12 and the global recession that followed. Japanese borrowers were only able to tap foreign debt markets by paying a 200 basis point premium to the market, a condition that came to be known as “Japan Rates.”

Hedge fund manager, Kyle Bass, says that the despised Japan rates are about to return. There is nothing less than one quadrillion yen of public debt in Japan today. A perennial trade surplus powered high corporate and personal savings rates during the eighties and nineties, allowing these agencies to sell their debt entirely to domestic, mostly captive investors Those days are coming to a close. The problem is that the working age population peaked in Japan last year, and the country is entering a long demographic nightmare (see population pyramids below).

This year, the Ministry of Finance will see ¥40 trillion in receivables, the same figure seen in 1985, against ¥97 trillion in spending. Interest expense, debt service, and social security spending alone exceed receivables. The tipping point is close, and when it hits, Japan will have to borrow from abroad in size. Foreign investors all too aware of this distressed income statement will almost certainly demand big risk premiums, possibly several hundred basis points. That’s when the sushi hits the fan.

To top it all, no one in living memory in Japan has ever lost money in the JGB market, so expectations are unsustainably high. Need I mention that Japan’s Q2 GDP growth came in at an arthritic 0.1 %, not exactly a performance to run up the flagpole?

Both the JGB market and the yen can only collapse in the face of these developments. I know that the short JGB trade has killed off more hedge fund managers than all the irate former investors and divorce lawyers in the world combined. Read about my own recent, futile attempt to sell these markets by clicking here at http://www.madhedgefundtrader.com/august-6-2010.html .

But what Kyle says makes too much sense, and the day of reckoning for this long despised financial instrument may be upon us. How much downside risk can there be in shorting a ten year coupon of under 1%. I have included a breakdown of Kyle’s portfolio below, which you should note, has absolutely no equities anywhere in the world. Is Kyle trying to show us the writing on the wall?

To see the data, charts, and graphs that support this research piece, as well as more iconoclastic and out-of-consensus analysis, please visit me at www.madhedgefundtrader.com . There, you will find the conventional wisdom mercilessly flailed and tortured daily, and my last two years of research reports available for free. You can also listen to me on Hedge Fund Radio by clicking on “This Week on Hedge Fund Radio” in the upper right corner of my home page.

Here at MakeUseOf, we have recently had a revelation when it comes to using PayPal to pay staff writers: it turns out you can save massive amounts of money in PayPal fees by using the bulk batch payment manager (known as Mass Payment) rather than sending separate Paypal online payments.

We had no idea we would save quite so much by using this method. And because we know other people will benefit from using the bulk payment option, we felt we had to spread the word. We know here’s a lot of people out there making online Paypal wage payments and possibly paying unnecessary fees.

So this is what Mass Payment is all about.

id="more-50914">/> Typical PayPal fees within the same country are 1.9-2.9% + USD$0.30. When you cross borders, international PayPal fees can creep up to 3.9% + USD$0.30. So, a payment for US$100 could wind up with a fee of US$4.20, which normally gets paid by the receiver. A much smaller fee is applied to Mass Payments. Any online freelancers getting paid a full-time wage this way will surely have noticed the significant impact of these fees on their final wage. But, they’re completely unnecessary – we just need to get the people making payments to update their ways.

By the way, don’t get too cranky with PayPal for these fees. Ever seen the fees banks charge to make international transfers? PayPal are really just passing on bank fees and other processing fees to do with single payments. You’re no doubt saving PayPal money too by suggesting your boss make Mass Payments.

So, let’s talk it through step-by-step so you can simply hand your boss this article and they’ll know exactly what they need to do. While you’re there, mention that by using Mass Payment their accounting records will be much easier to navigate.

Firstly, the sender will need to have a verified PayPal Premier or Business account. It’s easy to upgrade an existing account to Premier or Business, but it does require verifying the email address and bank account used with the sender’s PayPal account.

Secondly, the sender will need to ensure they have sufficient funds in their PayPal account. Credit cards can’t be used for Mass Payments.

Mass Payments can be made to any email address – if a recipient doesn’t have a PayPal account using that exact email address, the address can be easily added to an existing PayPal account. So, all the sender needs is to know the email address and how much they want to send. Senders should also note that all payments in a Mass Payment need to be made in the same currency as each other.

The sender needs to create a tab delimited file containing the email addresses, currency and amounts to be paid. From Excel, this is something you can create easily by saving as “Text (Tab Delimited)”. Put email addresses in the first column, payment amounts in the second column and the currency code in the third column (see PayPal for the codes). An optional fourth column lets you put in some sort of identifier for each person for your own accounting records. Another optional fifth column allows you to send a personal message to that recipient.

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To access Mass Payment, click the “Mass Payment” link at the bottom of the page when you’re logged in to PayPal.

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This takes you to an overview of Mass Payment, including guides, fees, codes and examples. Click on “Make a Mass Payment” to get started.

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The Mass Payment file upload is straightforward and easy to use. It’s simple to add a generic subject and body to the email sent with all payments. Note that it’s also possible to use the PayPal API to send Mass Payments, so if you’re a larger company (or you just prefer automation) there’s that option available to you as well.

Mass Payments are processed instantly and available for recipients to use or withdraw immediately.

A word of caution: Ensure your recipient is trustworthy and has fulfilled their service or delivered their goods because PayPal Mass Payments can’t be cancelled.

If the recipient has a personal PayPal account in the same country as the sender (and the sender is not using a credit or debit card to make the payment), sending payments to them is free the regular way. If the recipient has a Premier or Business account, or they are in a different country to the sender, the fees are lower with a Mass Payment. With regular payments, the sender can choose whether to pay the fees or let the recipient pay them, however with Mass Payment the sender must pay the PayPal fees. So, discuss with the recipients which method is best before you send a Mass Payment.

If you use PayPal regularly, check out these other MakeUseOf articles on Paypal:

9 Tools PayPal Users Should Know About
How To Keep Your PayPal Account Safe From Hackers
PayPal Fee Calculator

If you’re making regular international PayPal payments to people who you know you owe money to, this is definitely the way to go. Get set up now and save your team money!

(By) Angela Alcorn @smange also writes Net Savoir. See more at http://claimid.com/smange

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Kimi Raikkonen is making a fresh bid to return to Formula 1 next year after approaching the Renault team for a drive in 2011, AUTOSPORT can reveal.

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Sunday, September 12, 2010

Making Money Marketing

Yesterday I examined one technique to boost your fan conversion when investing in Facebook advertising to acquire new Facebook fans. In addition to getting a lot of great feedback, I also heard from users who were critical of the technique. I’ll break down the rationale behind paying for fans momentarily. However a more important issue has emerged through the emails I’ve received over the past few days: people want instant results. There are a number of mistakes that beginning Facebook marketers make and based on the emails I’ve received, many of those mistakes are being made by our readers. You too may be making this critical mistake.

Why Buy Facebook Advertising To Acquire Fans?

Prior to explaining the early mistakes that many Facebook marketers make, let me first address why you would use Facebook advertising to acquire Facebook fans. As one commenter put it yesterday, “I question the idea of paying for Facebook ppc ads to get people to like your page. You’re paying Facebook to keep the traffic within Facebook. Seems like a great way to make money – for Facebook.” There is no doubt that this marketing model is a great way for Facebook to generate revenue, however the real reason you would buy Facebook advertising to gain fans is because you’ve exhausted your initial marketing channels.

Your company should have a blog which is being used to gain Twitter followers, Facebook fans, and email newsletter subscribers. However this marketing channel can only go so far. You may be the best writer in the world but it doesn’t single-handedly guarantee that you’ll be able to grow your audience as quick as you’d like. That’s when you begin using alternative marketing strategies. One of those strategies is promoting your Facebook Page. Why? Next to email, which is the best channel for reengaging your audience, Facebook is an extremely effective channel for reengagement. As I’ve previously emphasized, I’m not advocating killing other marketing channels in favor of Facebook marketing. Instead, Facebook is an excellent addition to your current marketing strategy.

Now that you’ve determine that you want to expand your marketing, and you have a budget to spend, why not spend that money on acquiring fans within your target audience?

The Single Most Critical Beginner’s Mistake

If you happen to have a budget to spend on Facebook advertising and you are interested in expanding your audience because your initial marketing channels have been maximized, that’s when you should start reading some of the guides we’ve created here. However if you are looking for that “silver bullet”, you are probably going to be disappointed. That’s because expanding your audience requires a lot of hard work. Setting aggressive yet reasonable expectations is critical. So how do you know if your expectations are unreasonable? I’ll provide you with a quick case study.

500,000 Fans In 12 Months

Yesterday, one of our readers reached out to me to ask for advice on their Facebook marketing strategy. After seeing the success of Paulo Coelho, who now has over 2.2 million fans, this individual, who was about to be a first-time published author, wanted to have 500,000 fans at a minimum in 12 months. It was nothing short of an audacious goal. To put things in perspective, Coelho’s book The Alchemist has become the best selling book in history. I should add that this book followed two other books that he wrote which were essentially complete failures. He also spent years perfecting the art of writing before penning the wildly successful The Alchemist.

Given how successful Coelho has been, and given that he has 2.2 million fans, what do you think a reasonable target for a first-time author is? I would suggest that 500,000 is too many. In fact, imagine if the first book that this author publishes turns out to be terrible. He’ll now have exposed his first-time work to a large audience who will be reserved about purchasing any of his work in the future.

Building A Legitimately Large Audience

The only way to build a large and legitimate audience is to develop ideas that spread organically. As you’ve perfected the art of developing powerful and compelling ideas, you expand your audience potential. At that point Facebook can be used as a tool to reach a larger portion of your total audience potential in a quick period of time. So don’t make this mistake: do not overestimate your total audience potential. If you have a flower shop in Charlotte, North Carolina, your maximum audience potential is the total number of people in Charlotte who purchase flowers. Even once you’ve determined your audience potential, take the time to perfect your message.

The fact is that your message can single-handedly provide more marketing power and develop a greater audience potential than any other marketing activity you perform. In the mean-time, invest heavily in developing your core audience. The harder you work at it, the more likely you will be able to develop a message which resonates with the masses. At that point, it’s time to build a legitimately large audience. I honestly believe that everybody reading this has the ability to build a legitimately large audience with the tools that are at their disposal, however I’m not a believer in silver bullets that will get you there.

If you’re willing to work hard, we’ll continue to provide you with strategies that will help maximize the impact of your Facebook marketing efforts.

You may think that email, Twitter and Facebook are all slight variations on the same tune, but the ExactTarget Research Series, Subscribers, Fans and Followers has shown that each venue has its own X-Factor which makes it special. The trick, which is summarized in their newly published final report, is figuring out how to make them all work as a team.

The study begins by breaking down the numbers and there was a surprise here. 93% of online consumers say they receive at least one permission-based email a day. These are the subscribers. 38% said they are a Facebook fan of at least one brand. These are the fans. The surprise is in the followers, those U.S. online consumers who say they follow at least one brand on Twitter. That number is 5%. That’s it.

I probably spend more time on Twitter than the average person, so my idea of the usage is likely skewed by that, but I would have guessed the number at 10-15%. The upside is that of that 5%, 37% said that following a brand it made it more likely that they would purchase something from them. 27% of subscribers agreed as did 17% of the Facebook fans.

I’m not great with math, but I’m pretty sure that means that a larger number of people are getting emails and are getting influenced by them as compared to Facebook and Twitter. But all three venues have their success rate, which is why it’s so important to make them work together.

Many of the people surveyed said they were confused by where to look for information because the branding across the venues wasn’t consistent. For example, if I want a company’s monthly coupon offer, will I get it if I sign up for the email, or only if I become a fan on Facebook? Consumers didn’t like being told they had to subscribe to any one particular method in order to receive information.

Ideally, you want consumers to follow all three channels. To do this, you must cross-promote one channel with another. Announce Facebook winners in the email newsletter, Tweet about content that’s exclusive to Facebook, create a special email newsletter for Twitter followers. All of that takes time and that’s money – two items most businesses don’t have in abundance. That means you have to pick your battles. Try mixing and matching and monitor the results. If a campaign isn’t getting results, try something else. Social media is so new, there isn’t a proven pattern for success.

There are a few tips you should keep in mind and these come right from the consumers you’re trying to reach.

• Make it worth their time.

• Show gratitude for their business.

• Deliver quality products.

• Honor their individual preferences.

• Provide excellent customer service.

• Be honest.

I’ll bet you already knew those things, but are those points coming across in your email, Twitter and Facebook campaigns? That’s what is important.

You’ll find a lot more detail in the ExactTarget Subscribers, Fans and Followers report. If you haven’t downloaded this six part series, do it. It’s free and there’s a wealth of information in each report. As a bonus, the reports are light on text and big on graphics, perfect for those of you who want to be informed but don’t have the time to plow through a twenty page report.

Finally, let me leave you with this thought. If your audience is on the go, they may prefer Twitter over email so that’s where you should be concentrating your efforts. More of a social audience? Hook them in with fun games and community events on Facebook. The point is, the only statistics that really matter, are yours after you run a social media marketing campaign.

Do you have any ideas for making you email, Twitter and Facebook accounts work together? We’d like to hear about it.

Social Media Monitoring in Just 60-Seconds. Guaranteed!

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Saturday, September 11, 2010

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Thursday, September 9, 2010

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HK Local Practices Being Built at US Firms

The growing importance of Hong Kong as not only a gateway to China and Southeast Asia, but also as a regional financial center in its own right, has compelled many foreign firms to add a Hong Kong local practice. For the last two years, Hong Kong has been the world’s leading IPO center (surpassing New York and London) and clients are increasingly seeking one firm to handle both the US and Hong Kong side of the IPO. Even General Motors was reported to have seriously considered a Hong Kong listing along with its planned NYSE/Toronto listings, only to drop the idea in part because of Hong Kong’s more restrictive listing requirements. Hong Kong is already the preferred market for international share offerings by China’s behemoth state-owned enterprises, which previously might have considered listing in Europe or the US.

Not all US firms will see an immediate need to acquire a Hong Kong practice as long as they continue to land major deals because of the participation of their US clients (mainly US-based financial institutions) in Asia-based transactions. Yet, as long as Hong Kong continues to be the world’s IPO leader and Asia continues its financial dominance, there will be pressure on foreign firms to add a Hong Kong arm to their practice.

Furthermore, a US firm adding a Hong Kong practice to an already strong US law practice is a throwing down of the gauntlet, so to speak – a signal to the more-established Magic Circle firms that they are committed to Asia and intend to be “all in” as a major regional player. In response, some British firms in Hong Kong have recently invested heavily in expanding their already strong US practice in Hong Kong, with Allen & Overy being a perfect example.id="more-34640">

Increased Practice Complexity

Transactional work will remain many firms’ bread and butter in Asia. As is clear from the associate hiring trends, discussed below, the traditional transactional practices remain where the bulk of the hiring is occurring. But there is a growing belief among international firms that building a more full service offering, including white collar and regulatory compliance, as well as traditional litigation capability in Asia, is crucial to solidifying their long-term presence in the region. In addition to Gibson Dunn’s move to hire Kelly Austin, GE’s regional compliance chief, earlier this summer, Latham & Watkins launched a Hong Kong litigation practice, Skadden Arps last year launched an arbitration practice in Hong Kong, and top Australian firm Mallesons Stephen Jacques recruited a senior Clifford Chance litigation partner to its Hong Kong office. Last year Winston & Strawn also made a major move in the litigation practice, hiring partner David Hall-Jones from Heller Ehrman. Due to the local nature of litigation practices, opportunities for non-Hong Kong qualified litigators in Hong Kong are rare, but the trend is nevertheless a relevant indicator of general law firm strategy.

Hiring, Salaries and Popular Practices

Asian offices of foreign firms have historically been drawn to the region to take advantage of its importance as a regional financial center (especially in the case of Hong Kong) and the increased volume of inbound/outbound M&A/FDI as well as intra-Asia transactions. While certain regions might have a slightly shifted focus – for example, there is more project finance and energy work out of Singapore, more FDI work out of mainland China, and more capital markets work out of Hong Kong – the backbone of an Asia practice for a foreign law firm practicing in Asia is traditionally transactions-focused. One of the best indications of work flow has traditionally been the lateral associate hiring demand and compensation trends in law firms.

Most Desired Skill Sets for Associates

The most sought-after associates in Asia are those with strong capital markets and M&A skills. Commonwealth-qualified associates with capital markets, project finance, fund formation, acquisition finance, general corporate, real estate and even litigation skill sets can readily find open positions in Asia, whereas US-qualified associates who practice something other than capital markets or M&A might find it difficult to land in a US practice of an Asia firm.

The reason for this discrepancy is twofold: (1) the demand for a US-specific skill set is most often found in capital markets offerings where Asia-based issuers seek to avail themselves of US capital without triggering SEC registration requirements and (2) many transaction documents are governed by the laws of Hong Kong or England & Wales, not the laws of New York or another state in the United States, thus the demand for Commonwealth-qualified and Hong Kong-qualified lawyers is much higher in non-capital markets practice groups.

Language Skills

Relevant Asian language skills, particularly Mandarin Chinese, are almost a necessity for practicing within the region. It is currently very difficult to crack the legal markets in mainland China without Mandarin fluency, whereas as recently as 2008 it was not uncommon for English-only speakers to land at some top US firms in the mainland. Today, native speakers of Mandarin are much preferred to fluent Mandarin speakers with a different mother tongue. Many firms have grown in China in recent years with heavy-hitting transactional partners who do not speak Mandarin, but these partners desperately need associate assistance from those who do speak excellent Mandarin and can read Chinese. Thus, while Mandarin is arguably unnecessary for many transactions out of Hong Kong (for example, transactions with entities based in India or Southeast Asia), many employers are making Mandarin fluency a “preferred” criterion.

Further, even when US transactional practices in Hong Kong and China have an opening where Mandarin fluency is not a strong preference, the high number of very qualified US associate candidates on the market today with Mandarin skills makes it difficult for non Mandarin speaking candidates to get noticed at many firms. There are exceptions, where some groups in Hong Kong will make hires of English-only candidates and put no significant degree of importance on Mandarin skills, but firms operating that way are currently a small minority.

Due to the restrictive attorney licensing regime in Korea, US and UK firms remain unable to open offices there. However, UK firms expect to be in Seoul soon, as ratification of the recently agreed EU – Korea Fair Trade Agreement nears. It is uncertain when the US will ratify a fair trade agreement with Korea.

Hong Kong is the headquarters for most of the top international Korea practices, and so Korean language skills are also in demand in Hong Kong, especially with Korean biglaw associates based in Hong Kong typically spending a lot of time on the ground in Korea. The demand for Korean speakers waxes and wanes in accordance with the volume of work at the Korean practices in Hong Kong, as well as the volume of Korea-related work coming to Hong Kong firms without a Korea practice group.

Cantonese language skills are rarely sought after, and few foreign firms have ever, in our experience, sought out Cantonese skills among their foreign attorneys specifically.

In Japan, the biglaw lateral market has not been as hot as in other parts of Asia the past couple of years, due to the recent recession in Japan and also due to Japan relatively well developed market for foreign firms, relative to China. Things have picked up this year and firms are hiring, but Japanese language skills are now a requirement far more often than before the global recession. Firms seeking US associates with Japanese fluency have a much harder time finding good candidates than those seeking Mandarin fluent US associates. Thus, it is an extremely competitive hiring market for the handful of Japanese fluent mid-level to senior US associates coming from top 20 international firms.

In Singapore, few international law firm employers will specify language skills, but occasionally many will ask for an attorney who is barred in multiple jurisdictions – often one Western jurisdiction (New York or England & Wales) as well as India or one Southeast Asian jurisdiction. Because the environment (and client base) in Singapore is so multicultural, it is not unusual for hiring inquiries to include culture-specific “preferred” criteria. A firm which needs to make a hire for its India capital markets practice will often choose an Indian national even though the job does not require any Indian-specific language skills or legal qualification.

Asia’s “Biglaw” Lateral Market Has Become Much More Competitive Recently

In 2006 and 2007, US and UK law firms in Asia were hiring at the same pace as today, if not more quickly, but at the time there was a significant shortage of qualified US associate candidates on the market. Today, there are many more qualified US associates on the market than there are positions available and thus firms do not have to make very quick hiring decisions like they did a few years ago. There are several main reasons for this. First, the relatively stagnant economies in the US and EU since 2008 have caused associates with Asian backgrounds to consider Hong Kong and other Asia markets earlier than they had planned or to consider them as alternatives to New York or London for their long-term careers when previously they had intended to remain in the West indefinitely. Second, relatively early moves by young associates with Asian background during the hiring boom of ’06 through early ‘08, generally with positive results in terms of deal-flow and experience, have set a precedent. US associates with Asian background, especially Chinese, are today more confident than ever that they can have the same or better long-term career opportunities, in biglaw and in-house, in Asia as they can have in New York, London and other major Western markets. Other associates with similar backgrounds are considering such moves earlier as well. Third, although the “biglaw” lateral market in Asia is very competitive, it is still easier for an associate with Chinese background from New York or other major Western markets to lateral to a peer firm in Hong Kong or China today than it is for them to make a similar lateral move within their current markets.

Salaries and Expat Packages

One constant in legal hiring is this: law firms who want to be perceived as “top” law firms will seek to hire the best possible candidate of all those they are able to interview for any given position. If the number of possible interviewees increases, as it did in the past year as hiring of associates began anew in Asia, the standards applied to applicants will be dialed up as necessary to make the decision regarding whom to hire difficult and competitive. Since this is the case, there is rarely an opportunity to lower salaries and benefits for firms that wish to be competitive. The 2008-2009 downturn was no exception. The few firms able to hire at all in Asia then (mostly top 20 US firms and UK magic circle firms) wanted only to consider the very best candidates on the market. These firms had some of the highest salaries and expat packages and were competing for the top candidates coming from top five New York firms, each of whom expected those expat packages to continue. Further, these firms, already understaffed in some cases (mostly in their capital markets groups in Hong Kong and China), could not afford to lose their own US associates.

As a result, most top US and UK firms continue to offer expat packages in Asia. Of the firms that offer expat packages in Hong Kong, the range offered for US-qualified associates has been anywhere from US$30,000/year to US$90,000/year, with what is considered “competitive” expat packages being at US$60,000/year and above. Expat packages are not quite as prevalent in mainland China, but are offered there by the majority of US and UK firms, as well as all of the firms that pay competitive packages in Hong Kong. “Competitive” in the mainland is $45,000 and above and can be as high as $80,000. Expat packages are at the moment almost nonexistent in Singapore, but we expect that to change in the future. In Tokyo, the “competitive” range is $90,000 all the way up to $130,000. Keep in mind that all of the numbers mentioned above are for associates with no children, as some (but not all) firms do add to their expat package significantly for associates with children, especially school-aged children.

US associates will typically receive expat / COLA allowances in Asia regardless of their country of citizenship and whether they are liable for US federal income taxes. Some firms have tax equalization policies in Hong Kong and Singapore, but the trend for several years has been to do away with tax equalization in order to be more competitive in recruiting native Chinese and other top associates who are not US citizens or residents.

One of the most striking trends in 2010 regarding salary packages has been a shift toward paying New York-level base salaries to non-US qualified associates in Hong Kong. Traditionally, US-qualified associates have been paid about 20-30% more than their Commonwealth-qualified counterparts, and have gotten a much larger expat / COLA package as well. While an Australian-qualified associate might see a US$20,000/year expat package, her New York-qualified counterpart at the same firm could receive a US$65,000/year expat package, for example. Typically HK qualified associates have not received any expat / COLA package. These days, when a Hong Kong qualified junior to mid-level associate comes to us wanting to leave his or her current firm for another firm in Hong Kong, compensation considerations are usually a motivating factor. Of course, it is easier for a US firm building a new HK corporate practice to offer NYC top market base salaries to their few new HK qualified associate hires than it is for a well established and large HK practice to raise the salaries of their many HK practice associates.

As a result of rising expat packages, some mid-tier firms have begun specifying that they want to hire only non-US citizens for their open positions in order to save some portion of the expected expatriate compensation bonus. In view of the current trend to pay expat packages to even Commonwealth-qualified associates at many firms, this tactic seems to be losing its potency to reduce costs. Increasingly, the most qualified associates are all being tempted by potential expatriate benefits regardless of their country of origin.

While there was little change in expat allowances among the most highly regarded firms in Hong Kong during the global recession and hiring freezes, many among the less competitive firms dramatically lowered their allowances during ’09 and early ‘10, in many cases erroneously assuming that the top of the market were dramatically lowering theirs. Some of the firms that tried this were highly ranked US and UK firms. That trend (fortunately for associates) has reversed recently, with most firms that lowered their expat allowances now bringing those allowances back up to, and in some cases surpassing, the 2007 and 2008 levels.

Gaining Value from and Keeping Lateral Hires

In addition to attracting lateral hires through competitive salaries and benefits, firms know that they need to manage their talent so as to gain as much value as possible from their work over as long a period as possible. Whereas established New York and London offices of international firms typically have the size and deal flow predictability to support a full-fledged training program, complete with “mentorship,” “career development” partners, and the like, many Asia offices of law firms are only just beginning to acquire some of these structures. It is more difficult, therefore, for associates to obtain the necessary training. Associates in smaller overseas offices will have to rely on their supervising partner to play a strong mentoring role. Personality fit and partners’ desire and ability to train / mentor associates can thus be a bigger factor to associate retention in overseas offices than it is in large US or London home offices.

Corporate associates at US and UK firms in Asia usually move for one or more of the following reasons: a) compensation (usually having to do with expat / COLA allowances) concerns; b) desire for a more diverse corporate practice (usually due to more cap markets work than they expected; c) personality fit issue with supervising partner; d) concerns about long-term career advancement and security at current firm; e) a desire for more responsibility (every biglaw associate in Asia will know a number of same class year associates in the market that have higher levels of responsibility, based on a particular associate and firm’s circumstances); and f) being in an understaffed group and thus being overworked.

During boom times, the f) factor is the most prevalent reason for associate moves. Associate hires in US and UK based firms in Asia can be much more strategic and important than a typical associate hire in US and UK large home offices, for obvious reasons. Understaffing is a big problem in busy overseas offices, where one or two associates leaving a firm at the wrong time can cause the entire office to be overworked for months (replacement hires can take months, especially if the best candidates come from US or UK). Once a serious understaffing problem occurs, overworked associates will turn into unhappy associates and the firm involved will develop a reputation in the market (whether deserved or not) for being an unpleasant place to work.

Problem: Want of truthful, complete, and accurate education is what causes opinions to become based more on hearsay and faulty conjecture. Over stimulation and mind-altering propaganda coupled with intellectual lethargy cause a want of intellectual power and acuity among "should-be" students, which subsequently leads to the contentment of being spoon-fed your own opinion by others rather than the active, fervent, and diligent search for truth that will truly set most of you free.

Solution: Force yourself, no matter how hard it seems to be, to truly think and cogitate by yourself, without the aid of others. Force yourself to form your own conclusions that are not altered or influenced by social acceptability. Remember, if you come across a nugget of irrefutable truth, and others persecute you for either discovering it, or speaking it, then you should really re-think where their motivation comes from. Darkness HATES the light.

Facts for you all to chew on:

1. It appears to be true that the phrase "sovereign citizen" has been used by individuals and groups who may or may not have "good" or "moral" intentions.

2. It also appears to be true that it is important to certain individuals and groups to ascribe and associate the words "sovereign citizen" and their meanings to individuals and/or groups who have a perceivable negative connotation about them.

3. No one here has asked why that is.

4. In 1913, the federal constitution was illegally and unconstitutionally amended by a de facto congress among highly suspicious circumstances to create the Federal Reserve Banking System. A central bank. An idea, made clear by their own writings to be abhorrent to the founding fathers and in no way by an authority granted by the People through the constitution. The word "bank" is nowhere to be found in the constitution. The writers knew of banks, knew of the word "bank," yet never included it in the constitution.

5. During the 1930s and 40s in particular, the congress, without authority, unconstitutionally granted essentially dictatorial authority and power to president in response to the dire circumstances created by the fraudulently initiated depression.

6. The depression was a direct result of the inflation/deflation caused by the very nature of the new banking system coupled with the market manipulation of the "elite" families of this country and their foreign friends.

7. In the 1930s, the president ordered the closing of banks (bank holiday). Private banks. Then he ordered the American People to surrender their gold, all of it except a very small amount (small jewelry).

8. The REAL money that the American People had used (gold & silver) since day one, was confiscated and replaced with FIAT paper money backed by debt/credit, not real valuable materials with inherent and stable value. Effectively and actually what was essentially done was Americans gave everything that gave them economic power, the private ownership of their own money, over to the PRIVATE owners of the "Federal" Reserve Bank. Which by the way is NOT OWNED OR OPERATED BY THE GOVERNMENT OF THE UNITED STATES. The assets (gold, silver, real property, present and future LABOR/productivity) of the American People were pledged to international bankers in return for practically UNLIMITED CREDIT.

9. Around the same time period, the common law (the law UNDER which the constitution was written) was being extinguished and replaced by equity law. (ROMAN CIVIL LAW). Despite the information speard around about the "common law" and despite what attorneys are taught in their 3 years at law school, the common law is the system of law that allows the people of a republic to remain as free as possible. It is inherently an adversarial system that applies "real world" concepts, logic, and reason to issues for resolution or settlement. Equity law is a fictitious law system that is like playing Monopoly and making your own rules, and enforcing those rules your way. Civil law allows government to have power, sometimes more power than the citizens. Common law leaves ALL OF THE POWER in the hands of the People. That is why according to the original constitution, the founding fathers acknowledged the common law as the supreme law and made SURE it was made available through the courts to the people in all cases.

10. The fictitious "law" that equity or civil law is, is a needed tool to make things legal that ought not to be legal. Under the common law, there shall be a remedy for every wrong. Under equity/civil, the government can make murder and theft "legal." And in civil law, if there is no "law" against it, it's not a crime.

11. Under this equity law system, the government been able to make "legal" many unlawful and wrong activities perpetrated by individuals, agencies, corporations, governments, etc. Keep in mind that statutes, codes, and regulations, are called such BECAUSE THEY ARE NOT LAWS.

12. The American people existed long before the constitution or the United States. The constitution does NOT create a true nation or country. That is why there is no governor or ruler of the U.S.

13. The constitution creates a trust (corporation). That is why it has a president, vp, secretary, and treasurer, LIKE ALL CORPORATIONS.

13. Logic: according to the constitution of each State (republic/country), the People ordained and established the governments to manage the interstate and international commerce, defense, etc. of and between the states. Does it say "we the citizens" ordain and establish....? Clearly, citizens are a different term and mean something different. The term "citizen of United States" is interestingly not specifically defined as different from the common meaning until the 14th amendment in 1868. They are specifically defined as persons being born or naturalized within the united States, AND subject to the jurisdiction of the United States. This is the first time it is seen that the Federal Government has created subjects to itself. The federal government cannot possibly have jurisdiction over the people, because the people created it and are "sovereign" in relation to it. This new "entity" called a citizen of the Unites States was created right at a time coincidentally, when African slaves were now freed by law. The government created this subject entity to be a "status" to put the newly freed slaves into, so the slaves would not have the full freedom and power that the People have enjoyed. While they were at it, it did not take long for the idea to catch on that the elite could also subjugate the People using this system. People consent to it all of the time up to the present day. "Are you a U.S. CITIZEN"......"Yes, of course."

14. The People own the government, created the government, and cannot be subject to government or any acts, or "laws" it passes or propagandizes. That is why, when a crime is committed against another or his property, the government may catch the criminal and bring him/her to the GRAND JURY for indictment and trial, not to a government employee JUDGE. Because the grand jury represents and is comprised of PEOPLE, not citizens. The State and/or Federal Government has NO AUTHORITY to , itself, prosecute one of the People. UNLESS YOU CONSENT TO IT. Next time you get a traffic ticket (victimless equity crime) and go to court to fight it, tell me what you see on the docket or caption. It will say, "STATE OF MISSOURI v. JOHN SMITH, defendant." You're listed as the defendant, why is the state not listed as plaintiff? The state will NEVER declare itself as a PLAINTIFF. BECAUSE THE STATE HAS NO STANDING. IT DOESN'T ACTUALLY EXIST FACTUALLY, AND IT'S NOT SOVEREIGN RELATIVE TO YOU.

15. That is also why "arraignment" exists. The people are all sovereign. Therefore, if the government in any way wishes to prosecute you or punish you for breaking one of it's rules, especially one that didn't involve an injured party (adversary), they need to secure your consent (whether you or your attorney know it or not) to proceed in a court NOT OF LAW, but of civil rule. By entering any plea in a court that is not a court of record, (look that term up in Black's 4th) (a court of record is your birth right in this country, and it is what protects you from government oppression and tyranny) you have consented to be prosecuted according to THEIR rules and by THEM. Usually at arraignment, you are asked by a JUDGE, "You are charged with violating section 1410.9 of the California Penal Code and Title 3 section 328 of the California General Statutes, do you plead guilty, not guilty, or nolo contendere?" What he is REALLY saying is, "Do you give up your full right to a court of record, and all of your common law rights, and all of your constitutionally secured rights, and your right to NOT be under our jurisdiction by agreeing that the statutes and codes I have cited are VALID by entering a plea of any kind? Or do you object to this star-chamber kangaroo court and wish to be brought to justice in the highest and fairest court in the land?"

16. We live in a REPUBLIC. Not a Democracy. If you plan to argue this, at least look up the legal definitions of each of these terms. My guess is you won't even find the definition of "republican form of government." In a republic (esp. the one to which you pledged your allegiance) the people are free and fully sovereign. The government exists solely as an agency to aid in the affairs of the people and has no legal authority to tread in any way on your rights FOR ANY REASON.

17. A democracy is a society in which either directly or through representation, the majority has all of the rights and power and can do whatever they want, while the minority have no rights but only privileges granted to them by the majority. Individual rights do not truly exist. If the majority thinks you're a waste of air, then you are executed and your property taken. This is half a step away from pure communism.

18. So generally, the common law is the people's only real protection against the government exceeding it's authority. So don't scoff at it. If you only knew what it really was and how to use it, you might shut your trap and begin suing officials and agents who are obviously grossly out of line. They can't get off on technicalities and b .s. in your court. The shift toward Roman Civil Law (Equity/Statutes) represents an effort by the elite to crush your opportunity to protect your rights lawfully, and to bring into existence a system in which fake money, fraud, and unlimited credit can exist "legally." Ever notice "lawful" and "legal" are used together in the same sentence in some of the statutes and codes and other instances. That's because they have different meanings. Find out what they are.

19. As far as this whole "strawman" idea. I can't speak to that very much because I have not tried it or used it. But, the concept is fairly simple, it's just so obvious yet antithetical to everything we all have been led to believe, that it is a hard sell. But again, in terms of fact and logic, an accessible "trust" system must exist in order to facilitate the unlimited credit that the people bought back in 1933/35, and their must be a strawman or other corporate entity attached to you because the simple fact is, that in the equity and fiat money systems, everything is fictitious, and only fictions can interact with fictions. Think of it like playing a board game. You must have a token that represents you and your position in the game. It's all a game.

20. Also, check out the Internal Revenue Code, Title 26 U.S.C. Section 7806. Read it carefully and look up definitions if you have to. Related, did you ever wonder why it's called a tax "return" when all you seem to be doing is "paying" taxes out?

21. In ending here, I just want to be clear that my only wish is for people to seek the truth and stop arguing and asserting views like schoolchildren. Search for FACTS and use your brain to reach logical conclusions on your own. Then compare those facts with what you believe, and be better off for it. Because KNOWLEDGE IS POWER. And "he who slumbers on his rights, has none." (paraphrased)

eric seiger

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Wednesday, September 8, 2010

how to lose weight fast by exercise

to lose weight. The explanation for this is if your body is struggling to locate fuel to function it will begin to burn calories from needed supplies for energy such as reducing your muscle mass. You want to accomplish getting your body to the stage where it has enough energy stores that it will burn calories from body fat vs. muscle mass.

How to lose weight fast with diet and exercise involves burning bodyfat. Exercises play a crucial role in getting your body to the point where it burns bodyfat. Performing exercises has a number of benefits to your fitness and overall development. Performing exercises will ultimately help improve your tone and

reintroducing some of the foods that were eliminated in phase one. You can have bread and pasta again, fruit and potatoes also.Some chocolate is you desire but in moderation.

First of you must know that you did gain all of those weight because of the foods you eat. Not only that but how and when you eat your food. The first thing that you need to do is overhaul your meal plans. Create a meal plan of your own if you don't have one. You must eliminate all of the unhealthy foods that you eat, especially foods that are rich on fats and oil. Include fruits and vegetables in your meals. These are very rich in vitamins and minerals that the body needs. It is also a great source of fiber. Most important of all that you don't ever skip a meal. When you miss a meal your body goes to what they call a "starvation mode". When the body experience hunger, it will make you rebound or eat more in your next meal then instead of using the food as energy it will store the food turning it into fats. Keep your stomach guessing on when is the next meal by eating more often during the day. That doesn't mean you have to eat more. What I'm trying to say is that you should have at least 2 or 3 small snacks besides your 3 regular meals.

Nothing works on How to Lose Weight Fast more than doing a regular exercise. Most people expect that you have to go to the gym when you do some exercise. There are many ways that you could do some exercise without spending money how to lose weight fast by going into a gym. If you have a treadmill at home you could use it and start running for at least 30minutes a day. If you don't have a treadmill then you could run on the park. It is more effective if you could have your exercise before eating your breakfast. Weight lifting could not only make your muscles work but is a great way to increase your metabolism rate.

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