Making Money With Options

Fannie Mae yesterday announced that military families with a member who was injured or killed while on active duty can apply for a forbearance of up to six months if they're having trouble making their mortgage payments.

Under the forbearance, mortgage payments may be reduced or suspended, and credit reporting will be suspended as well.

Remember that a forbearance is only a temporary delay. After the forbearance period is over, you will have to repay what you still owe, either by moving the payments to the end of the mortgage term, making a lump-sum payment, or adding a set amount to your monthly payment that adds up to the difference.

For more info, call Fannie Mae's military support hotline at 877-MIL-4566 or visit KnowYourOptions.com/Military.

Fannie Mae Offers Forbearance Option to Wounded Warriors and Surviving Spouses [Mortgage News Daily]

Ezra Klein:

Making Social Security less generous isn't the answer, by Ezra Klein,
Commentary, Washington Post: ...Raising the Social Security retirement age
has become as close to a consensus position as exists in American politics. ...
And for a while, I agreed... People live longer today, and so they should work
later into life. But as I've looked at the issue, I've decided that I was wrong.
... We should leave the retirement age alone. In fact, we should leave Social
Security alone...

Start with the basic rationale for raising the retirement age. As Rep. Paul D.
Ryan (R-Wis.) has argued, when Social Security was signed into law, the
retirement age was 65 and life expectancy was 63. "The numbers added up pretty
well back then," he said on Fox News. But that's misleading. That figure was
driven by high infant mortality. ...

Moreover,... averages conceal a lot of inequality. In 1972, a 60-year-old male
worker who made less than the median income had a life expectancy of 78 years.
By 2001, he had a life expectancy of 80 years. Meanwhile, workers in the top
half of the income distribution shot to 85 years from 79. ...

Lurking beneath this conversation is an unquestioned assumption: We live longer,
so we should work longer. That's pretty intuitive to members of Congress, who
seem to like their jobs and don't seem to like the idea of retiring. It's also
pretty intuitive to blogger/columnists, who spend their time in air-conditioned
rooms opining about pension programs. But most people don't work in Congress or
in the media. They work on their feet. They strain their backs. They're bored
silly at the end of the day. By the time they're in their 60s, they want to
retire.

You see that reflected in Social Security. Age 66 is when you get full benefits.
But most people begin taking Social Security at age 62. They get less, but they
can retire earlier. To them, the trade-off is worth it. ...

An August survey ... tested reactions to a variety of Social Security fixes. One
of the options was raising the retirement age to 70. Two-thirds of respondents
opposed it. Another option was eliminating the cap on payroll taxes so that
well-off workers pay the tax on their full income, just as middle-income workers
do now. A solid 61 percent supported it.

That's almost the reverse of the conversation in Washington, where affluent
people who like their jobs propose cutting benefits for the poor (which is,
after all, what raising the retirement age would do) rather than lowering
benefits or increasing the payroll tax on, well, themselves. ...

The universally unpleasant options for reform are a testament to Social
Security's efficiency. It's a simple transfer program, with administrative costs
that amount to less than 0.9 percent of total spending. There's not much fat to
cut.

That can't be said for much else in American public policy. Our health-care
system costs twice as much as the German system and doesn't deliver better
results. Our defense sector is wasteful and bloated. Our tax code could raise
more money and do less to harm growth if we cleaned it out. Our home prices are
driven upward by the mortgage interest tax deduction. Our health insurance
premiums are goosed by the exclusion of employer-sponsored insurance from
taxable income.

Reforming any of those sectors ... would be politically difficult, but would
mean better policy. Reforming Social Security will be politically difficult and
result in worse policy. ...

Here's what I

argued in May of 2005:

1. An increase in life expectancy does not necessarily imply that people are
healthier at age 65 or 70 than before. Suppose, for example, that medical
advances are discovered that extend the end of life by several years, but have
no effect on health prior to the last few years of life. In such a case there
would be an increase in life expectancy, but no increase in the health of
workers at the age of retirement. If people aren’t healthier, then increasing
the retirement age imposes a hardship over and above that faced by current
retirees.

2. It’s already difficult for elderly workers to find employment, and when
they do they are often underemployed relative to their skill levels. Raising the
retirement age will make this worse.

3. What about workers employed in physically demanding occupations? Is it
reasonable to ask them to work until, say, age 72? If not, how equitable is it
to have some workers work until 72, and others allowed to retire at a younger
age depending on their occupation?

4. Will this distort occupational choice decisions? ... How will we decide
when a worker is unable to work due to reasons associated with age?

5. The life expectancy of some groups of workers is lower than for others. If
poorer workers die younger than richer workers on average, then raising the
retirement age will have a larger impact on low income workers and thus, in
essence, be regressive.

DNC Chair on Fox <b>News</b>: They are &#39;pushing&#39; for Republicans – This <b>...</b>

President Obama is at the University of Wisconsin trying to rally the Democratic base as November elections near. In a newly published Rolling Stone interview, Obama called it "irresponsible" to paint the base as unenthusiastic.

Castlevania demo leads PSN update PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of Castlevania demo leads PSN update.

Social <b>News</b> Startup Ongo Raises $12 Million From Gannett, NYTCo <b>...</b>

Ongo, a news sharing site currently in stealth mode, has raised $12 million from a trio of major newspaper publishers, USA Today reported. It wasn't known if there were other investors besides USAT parent Gannett (NYSE: GCI), ...

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DNC Chair on Fox <b>News</b>: They are &#39;pushing&#39; for Republicans – This <b>...</b>

President Obama is at the University of Wisconsin trying to rally the Democratic base as November elections near. In a newly published Rolling Stone interview, Obama called it "irresponsible" to paint the base as unenthusiastic.

Castlevania demo leads PSN update PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of Castlevania demo leads PSN update.

Social <b>News</b> Startup Ongo Raises $12 Million From Gannett, NYTCo <b>...</b>

Ongo, a news sharing site currently in stealth mode, has raised $12 million from a trio of major newspaper publishers, USA Today reported. It wasn't known if there were other investors besides USAT parent Gannett (NYSE: GCI), ...

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Fannie Mae yesterday announced that military families with a member who was injured or killed while on active duty can apply for a forbearance of up to six months if they're having trouble making their mortgage payments.

Under the forbearance, mortgage payments may be reduced or suspended, and credit reporting will be suspended as well.

Remember that a forbearance is only a temporary delay. After the forbearance period is over, you will have to repay what you still owe, either by moving the payments to the end of the mortgage term, making a lump-sum payment, or adding a set amount to your monthly payment that adds up to the difference.

For more info, call Fannie Mae's military support hotline at 877-MIL-4566 or visit KnowYourOptions.com/Military.

Fannie Mae Offers Forbearance Option to Wounded Warriors and Surviving Spouses [Mortgage News Daily]

Ezra Klein:

Making Social Security less generous isn't the answer, by Ezra Klein,
Commentary, Washington Post: ...Raising the Social Security retirement age
has become as close to a consensus position as exists in American politics. ...
And for a while, I agreed... People live longer today, and so they should work
later into life. But as I've looked at the issue, I've decided that I was wrong.
... We should leave the retirement age alone. In fact, we should leave Social
Security alone...

Start with the basic rationale for raising the retirement age. As Rep. Paul D.
Ryan (R-Wis.) has argued, when Social Security was signed into law, the
retirement age was 65 and life expectancy was 63. "The numbers added up pretty
well back then," he said on Fox News. But that's misleading. That figure was
driven by high infant mortality. ...

Moreover,... averages conceal a lot of inequality. In 1972, a 60-year-old male
worker who made less than the median income had a life expectancy of 78 years.
By 2001, he had a life expectancy of 80 years. Meanwhile, workers in the top
half of the income distribution shot to 85 years from 79. ...

Lurking beneath this conversation is an unquestioned assumption: We live longer,
so we should work longer. That's pretty intuitive to members of Congress, who
seem to like their jobs and don't seem to like the idea of retiring. It's also
pretty intuitive to blogger/columnists, who spend their time in air-conditioned
rooms opining about pension programs. But most people don't work in Congress or
in the media. They work on their feet. They strain their backs. They're bored
silly at the end of the day. By the time they're in their 60s, they want to
retire.

You see that reflected in Social Security. Age 66 is when you get full benefits.
But most people begin taking Social Security at age 62. They get less, but they
can retire earlier. To them, the trade-off is worth it. ...

An August survey ... tested reactions to a variety of Social Security fixes. One
of the options was raising the retirement age to 70. Two-thirds of respondents
opposed it. Another option was eliminating the cap on payroll taxes so that
well-off workers pay the tax on their full income, just as middle-income workers
do now. A solid 61 percent supported it.

That's almost the reverse of the conversation in Washington, where affluent
people who like their jobs propose cutting benefits for the poor (which is,
after all, what raising the retirement age would do) rather than lowering
benefits or increasing the payroll tax on, well, themselves. ...

The universally unpleasant options for reform are a testament to Social
Security's efficiency. It's a simple transfer program, with administrative costs
that amount to less than 0.9 percent of total spending. There's not much fat to
cut.

That can't be said for much else in American public policy. Our health-care
system costs twice as much as the German system and doesn't deliver better
results. Our defense sector is wasteful and bloated. Our tax code could raise
more money and do less to harm growth if we cleaned it out. Our home prices are
driven upward by the mortgage interest tax deduction. Our health insurance
premiums are goosed by the exclusion of employer-sponsored insurance from
taxable income.

Reforming any of those sectors ... would be politically difficult, but would
mean better policy. Reforming Social Security will be politically difficult and
result in worse policy. ...

Here's what I

argued in May of 2005:

1. An increase in life expectancy does not necessarily imply that people are
healthier at age 65 or 70 than before. Suppose, for example, that medical
advances are discovered that extend the end of life by several years, but have
no effect on health prior to the last few years of life. In such a case there
would be an increase in life expectancy, but no increase in the health of
workers at the age of retirement. If people aren’t healthier, then increasing
the retirement age imposes a hardship over and above that faced by current
retirees.

2. It’s already difficult for elderly workers to find employment, and when
they do they are often underemployed relative to their skill levels. Raising the
retirement age will make this worse.

3. What about workers employed in physically demanding occupations? Is it
reasonable to ask them to work until, say, age 72? If not, how equitable is it
to have some workers work until 72, and others allowed to retire at a younger
age depending on their occupation?

4. Will this distort occupational choice decisions? ... How will we decide
when a worker is unable to work due to reasons associated with age?

5. The life expectancy of some groups of workers is lower than for others. If
poorer workers die younger than richer workers on average, then raising the
retirement age will have a larger impact on low income workers and thus, in
essence, be regressive.

bench craft company rip off

DNC Chair on Fox <b>News</b>: They are &#39;pushing&#39; for Republicans – This <b>...</b>

President Obama is at the University of Wisconsin trying to rally the Democratic base as November elections near. In a newly published Rolling Stone interview, Obama called it "irresponsible" to paint the base as unenthusiastic.

Castlevania demo leads PSN update PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of Castlevania demo leads PSN update.

Social <b>News</b> Startup Ongo Raises $12 Million From Gannett, NYTCo <b>...</b>

Ongo, a news sharing site currently in stealth mode, has raised $12 million from a trio of major newspaper publishers, USA Today reported. It wasn't known if there were other investors besides USAT parent Gannett (NYSE: GCI), ...

benchcraft company scam bench craft company rip off

DNC Chair on Fox <b>News</b>: They are &#39;pushing&#39; for Republicans – This <b>...</b>

President Obama is at the University of Wisconsin trying to rally the Democratic base as November elections near. In a newly published Rolling Stone interview, Obama called it "irresponsible" to paint the base as unenthusiastic.

Castlevania demo leads PSN update PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of Castlevania demo leads PSN update.

Social <b>News</b> Startup Ongo Raises $12 Million From Gannett, NYTCo <b>...</b>

Ongo, a news sharing site currently in stealth mode, has raised $12 million from a trio of major newspaper publishers, USA Today reported. It wasn't known if there were other investors besides USAT parent Gannett (NYSE: GCI), ...

benchcraft company scam benchcraft company scam

DNC Chair on Fox <b>News</b>: They are &#39;pushing&#39; for Republicans – This <b>...</b>

President Obama is at the University of Wisconsin trying to rally the Democratic base as November elections near. In a newly published Rolling Stone interview, Obama called it "irresponsible" to paint the base as unenthusiastic.

Castlevania demo leads PSN update PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of Castlevania demo leads PSN update.

Social <b>News</b> Startup Ongo Raises $12 Million From Gannett, NYTCo <b>...</b>

Ongo, a news sharing site currently in stealth mode, has raised $12 million from a trio of major newspaper publishers, USA Today reported. It wasn't known if there were other investors besides USAT parent Gannett (NYSE: GCI), ...

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personal finance money management

At Mint.com, we believe in three basic principles of personal finance. Spend less than you earn. Maximize your savings. And, finally, make sure that hard-earned, hard-saved money pays you back.

One way you can achieve that third goal is to invest successfully. But with all of the different investment products and types of accounts out there, figuring out where to start isn’t easy. And while there are certain investment products you may not be able to afford, you no longer have to be Mr or Mrs Moneybags to get started.

We’re introducing a new feature, Ways to Invest, that is specifically designed to help you establish an investment portfolio. We won’t tell you how or where to invest. But just as with we do our Ways to Save feature, we can direct you to resources that will help save you money, but this time when it comes to your investment activities.

So we’ve taken a tip from group buying sites. With 4 million registered users, we are in a great position to negotiate on your behalf. Our partners have created Mint-specific deals to encourage investing, from fee-free portfolio management to 60% off an annual subscription to professional investing and portfolio management advice.

Like all of Mint’s features, Ways to Invest is very easy to use. The first step is to determine your risk profile. Are you conservative, or are you ready to take on a high risk for high reward? Are you the hands-on type or do you prefer to put your investing on auto-pilot? If you decide to go with a mutual fund, is it important to you that it be socially responsible?

If it’s still too daunting to put cash toward an investment, we don’t blame you. You can invest in your own dreams with Goals, or learn more about what various investment terms mean and how they can impact your money here at MintLife.

There are many ways to invest. The important thing is to think about how you can grow and do more with your money. Once you find the investing strategy that works best for you, you’ll be well on your way.

At Mint.com, we believe in three basic principles of personal finance. Spend less than you earn. Maximize your savings. And, finally, make sure that hard-earned, hard-saved money pays you back.

One way you can achieve that third goal is to invest successfully. But with all of the different investment products and types of accounts out there, figuring out where to start isn’t easy. And while there are certain investment products you may not be able to afford, you no longer have to be Mr or Mrs Moneybags to get started.

We’re introducing a new feature, Ways to Invest, that is specifically designed to help you establish an investment portfolio. We won’t tell you how or where to invest. But just as with we do our Ways to Save feature, we can direct you to resources that will help save you money, but this time when it comes to your investment activities.

So we’ve taken a tip from group buying sites. With 4 million registered users, we are in a great position to negotiate on your behalf. Our partners have created Mint-specific deals to encourage investing, from fee-free portfolio management to 60% off an annual subscription to professional investing and portfolio management advice.

Like all of Mint’s features, Ways to Invest is very easy to use. The first step is to determine your risk profile. Are you conservative, or are you ready to take on a high risk for high reward? Are you the hands-on type or do you prefer to put your investing on auto-pilot? If you decide to go with a mutual fund, is it important to you that it be socially responsible?

If it’s still too daunting to put cash toward an investment, we don’t blame you. You can invest in your own dreams with Goals, or learn more about what various investment terms mean and how they can impact your money here at MintLife.

There are many ways to invest. The important thing is to think about how you can grow and do more with your money. Once you find the investing strategy that works best for you, you’ll be well on your way.

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Expats talks <b>news</b> over booze - RT

This week, Moscow's expats share their impressions of the stories that made the news, including the Arctic Forum, Pakistan's floods and the Art Moscow Fair.

After Months of Speculation, Anisette Brasserie Bids Au Revoir <b>...</b>

Unfortunately, we called it. In an additional bout of shutter news, months and months after rumors swirled that Alain Giraud's Anisette Brasserie was about to call it quits, his...

Early Critics Weigh in on Benu : Good <b>News</b>/Bad <b>News</b> : Eater SF

After slaving away in the internationally acclaimed French Laundry kitchen with one Thomas Kellar for years, Corey Lee is on his own now at Benu. If you've never heard of...

Expats talks <b>news</b> over booze - RT

This week, Moscow's expats share their impressions of the stories that made the news, including the Arctic Forum, Pakistan's floods and the Art Moscow Fair.

After Months of Speculation, Anisette Brasserie Bids Au Revoir <b>...</b>

Unfortunately, we called it. In an additional bout of shutter news, months and months after rumors swirled that Alain Giraud's Anisette Brasserie was about to call it quits, his...

Early Critics Weigh in on Benu : Good <b>News</b>/Bad <b>News</b> : Eater SF

After slaving away in the internationally acclaimed French Laundry kitchen with one Thomas Kellar for years, Corey Lee is on his own now at Benu. If you've never heard of...

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Expats talks <b>news</b> over booze - RT

This week, Moscow's expats share their impressions of the stories that made the news, including the Arctic Forum, Pakistan's floods and the Art Moscow Fair.

After Months of Speculation, Anisette Brasserie Bids Au Revoir <b>...</b>

Unfortunately, we called it. In an additional bout of shutter news, months and months after rumors swirled that Alain Giraud's Anisette Brasserie was about to call it quits, his...

Early Critics Weigh in on Benu : Good <b>News</b>/Bad <b>News</b> : Eater SF

After slaving away in the internationally acclaimed French Laundry kitchen with one Thomas Kellar for years, Corey Lee is on his own now at Benu. If you've never heard of...

managing personal finances

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]

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]

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<b>News</b> Roundup: &#39;Modern Family&#39; Wins the Ratings, Lifetime Renews <b>...</b>

Last night's big ratings winner also won big at the Emmys last month: The 'Modern Family' topped the night with its season 2 premiere, which.

Apple&#39;s MobileMe <b>News</b> details how iWork for iPad works with iDisk

The details were posted on MobileMe News, the blog of the MobileMe team. Windows users can point a browser to me.com/idisk and upload existing Microsoft Office documents. Once the documents are in the cloud, they can be opened from the ...

MOH beta to &quot;clear up misunderstanding&quot; PC <b>News</b> - Page 1 <b>...</b>

Read our PC news of MOH beta to. ... Eurogamer tested the Medal of Honor single-player campaign earlier this month, and then sat down executive producer Greg Goodrich for a chat. Oh Tiery me. Got a tip? Email news@eurogamer.net. ...

<b>News</b> Roundup: &#39;Modern Family&#39; Wins the Ratings, Lifetime Renews <b>...</b>

Last night's big ratings winner also won big at the Emmys last month: The 'Modern Family' topped the night with its season 2 premiere, which.

Apple&#39;s MobileMe <b>News</b> details how iWork for iPad works with iDisk

The details were posted on MobileMe News, the blog of the MobileMe team. Windows users can point a browser to me.com/idisk and upload existing Microsoft Office documents. Once the documents are in the cloud, they can be opened from the ...

MOH beta to &quot;clear up misunderstanding&quot; PC <b>News</b> - Page 1 <b>...</b>

Read our PC news of MOH beta to. ... Eurogamer tested the Medal of Honor single-player campaign earlier this month, and then sat down executive producer Greg Goodrich for a chat. Oh Tiery me. Got a tip? Email news@eurogamer.net. ...

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<b>News</b> Roundup: &#39;Modern Family&#39; Wins the Ratings, Lifetime Renews <b>...</b>

Last night's big ratings winner also won big at the Emmys last month: The 'Modern Family' topped the night with its season 2 premiere, which.

Apple&#39;s MobileMe <b>News</b> details how iWork for iPad works with iDisk

The details were posted on MobileMe News, the blog of the MobileMe team. Windows users can point a browser to me.com/idisk and upload existing Microsoft Office documents. Once the documents are in the cloud, they can be opened from the ...

MOH beta to &quot;clear up misunderstanding&quot; PC <b>News</b> - Page 1 <b>...</b>

Read our PC news of MOH beta to. ... Eurogamer tested the Medal of Honor single-player campaign earlier this month, and then sat down executive producer Greg Goodrich for a chat. Oh Tiery me. Got a tip? Email news@eurogamer.net. ...

Making Money Ebay

The company posted an article from Google Fellow and Engineer Amit Singhal on its public policy blog. It stemmed from “a debate” about fairness in search published by the Wall Street Journal. Singhal talks a bit more about Google's secrets and competition: 



"Making our systems 100% transparent would not help users, but it would help the bad guys and spammers who try game the system. When you type "Nigeria" you probably want to learn about the country. You probably don't want to see a bunch of sites from folks offering to send you money . . . if you would only give them your bank account number!"



"We may be the world's most popular search engine, but at the end of the day our competition is literally just one click away. If we messed with results in a way that didn't serve our users' interests, they would and should simply go elsewhere—not just to other search engines like Bing, but to specialized sites like Amazon, eBay or Zillow. People are increasingly experiencing the Web through social networks like Facebook. And mobile and tablet apps are a newer alternative for accessing information."



Singhal also says that Google reveals more about its ranking factors than any other search engine, and offers more tools to webmasters to take advantage. 



Sullivan appears to think the list should be published, without revealing how factors are actually measured, but Schmidt says even the list would reveal too much.

A movement that's rewriting the rules for politics is also rewriting new rules for fashion.

Clothing is an extension of your values, a sartorial statement of who you are as an American. And while you're shouldering the rebirth of a nation's glory, why not shoulder a smart-looking blazer in the process?

While Tea Partiers respect, more than anything, the freedom to wear what they like, there are some new essentials for the man looking to "restore honor" to America… and his wardrobe. Below, a selection of the Fall essentials for the Tea Partier dressing for the profession, the polls or the protest.

Wolverine Boots

These Made In America classics are equally good for stomping through snow drifts from an November Maine Nor'easter in order to cast a vote for Tea Party gubernatorial candidate Paul LePage as they are for stomping liberal guts. Forget Wolverine's casual offerings and go straight to the work series. What is harder work than restoring honor to America?

Starting at $109

Don't Tread on Me Tee

Barring the unmistakable Gadsden flag symbol, this comfortable Don't Tread on Me t-shirt is perfect for mornings spent lounging around with a copy of the Wall Street Journal. There is no better version than that offered by the official don't tread on me outfitters. Gadsden and Culpeper's America Heritage Shoppe, Ltd. was founded after 9/11 in Albany, NY with the goal "to be America’s Official Don’t Tread on Me Outfitter by providing inspiring historical information, a wide variety of unique quality products and excellent customer service.” Made in the USA, the shirt is 100% cotton because being angry doesn't have to mean being uncomfortable. [Warning: Don't accidentally buy the "Don't Teabag On Me" t-shirt created by liberal homosexual pornography website Wankette.]

$18.99

Vintage Carhartt

Nothing identifies you as ready to do the work that America needs like Carhartt. American, rugged, durable, reliable, just like your values, Carhartt was clothing the American work ethic before Roosevelt tried to dismantle the free market and it will be clothing it after Obama fails to do the same. But don't buy your Carhartt new and rigid. Vintage is key. Shop eBay for some worn-in classic silhouettes. Vintage Carhartt jackets will turn any blue shirt and khaki combo into the uniform of a Tea Party Patriot.

Prices vary. Check eBay for latest.

Shredded Money

What better way to stand behind the belief that the Obama administration's socialized overtaking of America is making the nation's dollar worthless? Stuffed with shredded dollars from the US Federal Reserve, this handsome cigar pen is just as appropriate signing billion-dollar bailout contracts as it is singing foreclosure and Chapter 7 documents. Pair the unique pen with a set of shredded money cufflinks and you'll be fashionable declaring your feelings on the economy as you move all your holdings into gold.

Pen $15. Cufflinks $50.

Patriot Ale

Powell, Ohio's Liberty Tavern does not joke about freedom. A copy of the Boston watering hole that fueled the greatest independence movement the world would ever know, Liberty Tavern serves a special brew crafted by Sam Adams: Patriot Ale. And though they've got hummus on the menu, you have the freedom to not order it. Instead, try the "Betsy Ross Basket" (golden brown chicken tenders with fries and honey mustard) or the "Liberty Sticks" (funnel cake rods disused with cinnamon and powdered sugar… and freedom). Sorry though, you have to go to Powell for Liberty Tavern's take on the American Dream.

Entrees start around $14 Monday Special: $4.50 for 23 sweet oz. Flight prices to nearby Columbus, OH vary.

Pocket Constitution

Including the Declaration of Independence, the Bill of Rights and all amendments, even pesky ones like the 14th, this handsome pocket edition of the world's greatest document measures just 3.5" by 5".

Not only will you be armed against the tyranny of a government run amok, your smartly-bound edition will support the work of the Cato Institute, one of the world's greatest advocates of "individual liberty, free markets and peace." For globe trotters, it's also available in Arabic.

$4.95; Arabic: $6.95

USS Ronald Reagan Hat

You may not be able to command your own Nimitz-class nuclear-powered supercarrier, but you can remind everyone that one represents your will as an American citizen. In honor of his greatness, Ronald Reagan was the first ever living former President to receive the tribute of having a Naval vessel named after him. And while you may not actually physically serve alongside the sailors of the Reagan, your spirit does. Leave it outside in the rain a few times to give it the look of a hat that's actually seen military action.

$14.95

Anglo-Confederate Society Necktie

From the fine Ben Silver Collection in Charleston, this stately, cardinal red, navy blue and white-starred necktie was worn during the Civil War by British Parliament members to quietly express sympathy for the Southern cause's war against central government tyranny. What better way to protest the current socialization of American liberties than to pair your work uniform with a little fetching bit of noble history?

$95

American Flag Socks

We're all patriots underneath. Some of us are just more patriotic underneath than others. These fine socks float the American standard even if you're waiting in the customs line at Paris' Charles de Gaulle. Do you have something to declare? Oui!

$8

"Ballroom" Jeans

Nothing says I'm ready for work and relaxing like a pair of Duluth "Ballroom" Jeans. The extra crotch gusset space is perfect for carrying around the huge set of balls required to believe that Obama is a Muslim.

$34.50 / $39.50 tall

Ralph Lauren Purple Label Suit

Before Sarah Palin let her husband Todd take the stage to join her on the long journey of restoring honor to America, she got him the proper attire for such an undertaking, buying him three Ralph Lauren Purple Label suits. The Purple Label identifies this Lauren line as the ultimate expression of luxury for the modern gentlemen, no matter how throwback his politics are. While you may have no GOP coffer, you can dress like you do.

Starting around $4,000

You wouldn't believe what Abe Sauer is wearing.

Google New: It&#39;s Google <b>News</b> About New Google Stuff In One Place

In terms of blog networks, no one ever seems to talk about Google, but they actually have one of the biggest. The search giant has well over 100 blogs devoted to everything from general company news to niche things that only webmasters ...

Small Business <b>News</b>: The Times They Are A Changing

In the 60's it was a song of revolution when change was just not as common. Today, it reflects a fact of life, at least for small business owners and.

Thursday Theatre <b>News</b>: Ghost The Musical, Pet Shop Boys, London&#39;s <b>...</b>

Firstly, no groans about the Christmas news, please. If we didn't tell you what London's brilliant theatres have planned for this December, what would you have to get excited about as the nights start drawing in? ...

robert shumake

Google New: It&#39;s Google <b>News</b> About New Google Stuff In One Place

In terms of blog networks, no one ever seems to talk about Google, but they actually have one of the biggest. The search giant has well over 100 blogs devoted to everything from general company news to niche things that only webmasters ...

Small Business <b>News</b>: The Times They Are A Changing

In the 60's it was a song of revolution when change was just not as common. Today, it reflects a fact of life, at least for small business owners and.

Thursday Theatre <b>News</b>: Ghost The Musical, Pet Shop Boys, London&#39;s <b>...</b>

Firstly, no groans about the Christmas news, please. If we didn't tell you what London's brilliant theatres have planned for this December, what would you have to get excited about as the nights start drawing in? ...

The company posted an article from Google Fellow and Engineer Amit Singhal on its public policy blog. It stemmed from “a debate” about fairness in search published by the Wall Street Journal. Singhal talks a bit more about Google's secrets and competition: 



"Making our systems 100% transparent would not help users, but it would help the bad guys and spammers who try game the system. When you type "Nigeria" you probably want to learn about the country. You probably don't want to see a bunch of sites from folks offering to send you money . . . if you would only give them your bank account number!"



"We may be the world's most popular search engine, but at the end of the day our competition is literally just one click away. If we messed with results in a way that didn't serve our users' interests, they would and should simply go elsewhere—not just to other search engines like Bing, but to specialized sites like Amazon, eBay or Zillow. People are increasingly experiencing the Web through social networks like Facebook. And mobile and tablet apps are a newer alternative for accessing information."



Singhal also says that Google reveals more about its ranking factors than any other search engine, and offers more tools to webmasters to take advantage. 



Sullivan appears to think the list should be published, without revealing how factors are actually measured, but Schmidt says even the list would reveal too much.

A movement that's rewriting the rules for politics is also rewriting new rules for fashion.

Clothing is an extension of your values, a sartorial statement of who you are as an American. And while you're shouldering the rebirth of a nation's glory, why not shoulder a smart-looking blazer in the process?

While Tea Partiers respect, more than anything, the freedom to wear what they like, there are some new essentials for the man looking to "restore honor" to America… and his wardrobe. Below, a selection of the Fall essentials for the Tea Partier dressing for the profession, the polls or the protest.

Wolverine Boots

These Made In America classics are equally good for stomping through snow drifts from an November Maine Nor'easter in order to cast a vote for Tea Party gubernatorial candidate Paul LePage as they are for stomping liberal guts. Forget Wolverine's casual offerings and go straight to the work series. What is harder work than restoring honor to America?

Starting at $109

Don't Tread on Me Tee

Barring the unmistakable Gadsden flag symbol, this comfortable Don't Tread on Me t-shirt is perfect for mornings spent lounging around with a copy of the Wall Street Journal. There is no better version than that offered by the official don't tread on me outfitters. Gadsden and Culpeper's America Heritage Shoppe, Ltd. was founded after 9/11 in Albany, NY with the goal "to be America’s Official Don’t Tread on Me Outfitter by providing inspiring historical information, a wide variety of unique quality products and excellent customer service.” Made in the USA, the shirt is 100% cotton because being angry doesn't have to mean being uncomfortable. [Warning: Don't accidentally buy the "Don't Teabag On Me" t-shirt created by liberal homosexual pornography website Wankette.]

$18.99

Vintage Carhartt

Nothing identifies you as ready to do the work that America needs like Carhartt. American, rugged, durable, reliable, just like your values, Carhartt was clothing the American work ethic before Roosevelt tried to dismantle the free market and it will be clothing it after Obama fails to do the same. But don't buy your Carhartt new and rigid. Vintage is key. Shop eBay for some worn-in classic silhouettes. Vintage Carhartt jackets will turn any blue shirt and khaki combo into the uniform of a Tea Party Patriot.

Prices vary. Check eBay for latest.

Shredded Money

What better way to stand behind the belief that the Obama administration's socialized overtaking of America is making the nation's dollar worthless? Stuffed with shredded dollars from the US Federal Reserve, this handsome cigar pen is just as appropriate signing billion-dollar bailout contracts as it is singing foreclosure and Chapter 7 documents. Pair the unique pen with a set of shredded money cufflinks and you'll be fashionable declaring your feelings on the economy as you move all your holdings into gold.

Pen $15. Cufflinks $50.

Patriot Ale

Powell, Ohio's Liberty Tavern does not joke about freedom. A copy of the Boston watering hole that fueled the greatest independence movement the world would ever know, Liberty Tavern serves a special brew crafted by Sam Adams: Patriot Ale. And though they've got hummus on the menu, you have the freedom to not order it. Instead, try the "Betsy Ross Basket" (golden brown chicken tenders with fries and honey mustard) or the "Liberty Sticks" (funnel cake rods disused with cinnamon and powdered sugar… and freedom). Sorry though, you have to go to Powell for Liberty Tavern's take on the American Dream.

Entrees start around $14 Monday Special: $4.50 for 23 sweet oz. Flight prices to nearby Columbus, OH vary.

Pocket Constitution

Including the Declaration of Independence, the Bill of Rights and all amendments, even pesky ones like the 14th, this handsome pocket edition of the world's greatest document measures just 3.5" by 5".

Not only will you be armed against the tyranny of a government run amok, your smartly-bound edition will support the work of the Cato Institute, one of the world's greatest advocates of "individual liberty, free markets and peace." For globe trotters, it's also available in Arabic.

$4.95; Arabic: $6.95

USS Ronald Reagan Hat

You may not be able to command your own Nimitz-class nuclear-powered supercarrier, but you can remind everyone that one represents your will as an American citizen. In honor of his greatness, Ronald Reagan was the first ever living former President to receive the tribute of having a Naval vessel named after him. And while you may not actually physically serve alongside the sailors of the Reagan, your spirit does. Leave it outside in the rain a few times to give it the look of a hat that's actually seen military action.

$14.95

Anglo-Confederate Society Necktie

From the fine Ben Silver Collection in Charleston, this stately, cardinal red, navy blue and white-starred necktie was worn during the Civil War by British Parliament members to quietly express sympathy for the Southern cause's war against central government tyranny. What better way to protest the current socialization of American liberties than to pair your work uniform with a little fetching bit of noble history?

$95

American Flag Socks

We're all patriots underneath. Some of us are just more patriotic underneath than others. These fine socks float the American standard even if you're waiting in the customs line at Paris' Charles de Gaulle. Do you have something to declare? Oui!

$8

"Ballroom" Jeans

Nothing says I'm ready for work and relaxing like a pair of Duluth "Ballroom" Jeans. The extra crotch gusset space is perfect for carrying around the huge set of balls required to believe that Obama is a Muslim.

$34.50 / $39.50 tall

Ralph Lauren Purple Label Suit

Before Sarah Palin let her husband Todd take the stage to join her on the long journey of restoring honor to America, she got him the proper attire for such an undertaking, buying him three Ralph Lauren Purple Label suits. The Purple Label identifies this Lauren line as the ultimate expression of luxury for the modern gentlemen, no matter how throwback his politics are. While you may have no GOP coffer, you can dress like you do.

Starting around $4,000

You wouldn't believe what Abe Sauer is wearing.

robert shumake

Google New: It&#39;s Google <b>News</b> About New Google Stuff In One Place

In terms of blog networks, no one ever seems to talk about Google, but they actually have one of the biggest. The search giant has well over 100 blogs devoted to everything from general company news to niche things that only webmasters ...

Small Business <b>News</b>: The Times They Are A Changing

In the 60's it was a song of revolution when change was just not as common. Today, it reflects a fact of life, at least for small business owners and.

Thursday Theatre <b>News</b>: Ghost The Musical, Pet Shop Boys, London&#39;s <b>...</b>

Firstly, no groans about the Christmas news, please. If we didn't tell you what London's brilliant theatres have planned for this December, what would you have to get excited about as the nights start drawing in? ...

robert shumake

Google New: It&#39;s Google <b>News</b> About New Google Stuff In One Place

In terms of blog networks, no one ever seems to talk about Google, but they actually have one of the biggest. The search giant has well over 100 blogs devoted to everything from general company news to niche things that only webmasters ...

Small Business <b>News</b>: The Times They Are A Changing

In the 60's it was a song of revolution when change was just not as common. Today, it reflects a fact of life, at least for small business owners and.

Thursday Theatre <b>News</b>: Ghost The Musical, Pet Shop Boys, London&#39;s <b>...</b>

Firstly, no groans about the Christmas news, please. If we didn't tell you what London's brilliant theatres have planned for this December, what would you have to get excited about as the nights start drawing in? ...

Money Making Websites

Democrats allege in a legal filing that, by plugging an Ohio gubernatorial candidate's website in a chyron, Fox News illegally contributed to the Republican's campaign.

A seven-page complaint filed Thursday by the Democratic Governors Association with the Ohio Elections Commission accuses Fox News of making an illegal in-kind contributions to gubernatorial candidate John Kasich (R-OH), reports Sam Stein.

During an Aug. 18 appearance on Bill O'Reilly's show, the network displayed the candidate's website at the bottom of the screen as he spoke, which the DGA says constitutes an in-kind contribution. Kasich's campaign raised over $21,000 from the FOX News solicitation, according to the complaint.

DGA Executive Director Nathan Daschle told Stein that there was a difference between running a website URL on screen and just allowing a candidate to pitch his or her website on their own

"We did our homework," he said. "We talked to other networks and other networks told us they have policies against putting up campaign websites like Fox did... Certainly other networks will have candidates on the air. But people don't take it as far as Fox does."

But as Stein points out, there is another possible motivation for the complaint -- feuds between Democrats and the network can reel in the donations. A recent $1 million donation by Fox News parent company News Corp. brought in a similar amount for the DGA.

Kasich is not the only GOP member pulling his URL on Fox. Nevada Republican Sharron Angle, Sen. Harry Reid's Republican opponent, has said she goes on shows which allow her to give out her web address.

"Well, in that audience will they let me say I need $25 dollars from a million people go to Sharron Angle.com send money? Will they let me say that? Will I get a bump on my website and you can watch whenever I go on to a show like that we get an immediate bump," Angle said.

The DGA complaint is embedded below.

ohio fox -

This video can be downloaded from here;
http://www.mediafire.com/?fvv4bf2ssvk...
Please feel free to mirror it, but if you do please also included the links contained in this description.


The Show:
The show will start at 4pm (BST) on Saturday 18 September.
It will be shown here;
http://www.blogtv.com/People/dprjones
To see what time that is where you are go to;
http://www.timeanddate.com/worldclock...


The Charity:
If you want any information about the charity please contact me or watch my previous videos or go to one of the websites, some are which are;
MSF(UK)
http://www.msf.org.uk/
MSF(US) (Doctors without Borders)
http://www.doctorswithoutborders.org/
MSF(Australia)
http://www.msf.org.au/
MSF(Canada)
http://www.msf.ca/

The MSF(UK) youtube channel is here;
http://www.youtube.com/user/msfuk


How to donate:
On MSF's recommendation I have set up donation pages at the following sites;
Justgiving;
http://www.justgiving.com/dprjones24h...
THIS SITE ACCEPTS DONATIONS THROUGH PAYPAL
Firstgiving;
http://www.firstgiving.com/dprjones

Both these sites provide an effective, safe and secure method of making donations. You will not get junk e-mails not will your details be distributed.
The pages are open now if you want to donate. They will also remain open for a further 2 months after the show.


The schedule of the hosts and co-hosts:
This video contains the best information that I can give at the moment. There are likely to be some minor changes before the event. I'll be posting an update video nearer the time with a full schedule.
For the avoidance of doubt, Michael Shermer will not be on the show, but was kind enough to provide the clip used at the beginning of this video.

The e-bay auction:
If you have any items that you wish to donate then please contact;
http://www.youtube.com/user/Proportio...

The MSF's got Talent competition is open until 12th September. Please watch the video below for details on how to enter. NOTE, mirroring of the video is no longer a necessary requirement.
http://www.youtube.com/watch?v=F6PKQz...

Arrowheadlines: Chiefs <b>News</b> 9/22 - Arrowhead Pride

Good morning Chiefs fans. Another day means more Kansas City Chiefs news. Let's be sure to play nice in the comment sections today. We're all Chiefs fans even if we might have different (though no less passionate) visions of what this ...

Deathspank: Thongs of Virtue heads PSN PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of Deathspank: Thongs of Virtue heads PSN.

Enslaved DLC detailed <b>News</b> - Page 1 | Eurogamer.net

Read our news of Enslaved DLC detailed. ... Enslaved developer diary #3 Monday. Enslaved - first 15 minutes 15 September, 2010. Latest News. Move demos flood PS Store . Enslaved UK pre-order deals detailed ...

robert shumake

Arrowheadlines: Chiefs <b>News</b> 9/22 - Arrowhead Pride

Good morning Chiefs fans. Another day means more Kansas City Chiefs news. Let's be sure to play nice in the comment sections today. We're all Chiefs fans even if we might have different (though no less passionate) visions of what this ...

Deathspank: Thongs of Virtue heads PSN PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of Deathspank: Thongs of Virtue heads PSN.

Enslaved DLC detailed <b>News</b> - Page 1 | Eurogamer.net

Read our news of Enslaved DLC detailed. ... Enslaved developer diary #3 Monday. Enslaved - first 15 minutes 15 September, 2010. Latest News. Move demos flood PS Store . Enslaved UK pre-order deals detailed ...

Democrats allege in a legal filing that, by plugging an Ohio gubernatorial candidate's website in a chyron, Fox News illegally contributed to the Republican's campaign.

A seven-page complaint filed Thursday by the Democratic Governors Association with the Ohio Elections Commission accuses Fox News of making an illegal in-kind contributions to gubernatorial candidate John Kasich (R-OH), reports Sam Stein.

During an Aug. 18 appearance on Bill O'Reilly's show, the network displayed the candidate's website at the bottom of the screen as he spoke, which the DGA says constitutes an in-kind contribution. Kasich's campaign raised over $21,000 from the FOX News solicitation, according to the complaint.

DGA Executive Director Nathan Daschle told Stein that there was a difference between running a website URL on screen and just allowing a candidate to pitch his or her website on their own

"We did our homework," he said. "We talked to other networks and other networks told us they have policies against putting up campaign websites like Fox did... Certainly other networks will have candidates on the air. But people don't take it as far as Fox does."

But as Stein points out, there is another possible motivation for the complaint -- feuds between Democrats and the network can reel in the donations. A recent $1 million donation by Fox News parent company News Corp. brought in a similar amount for the DGA.

Kasich is not the only GOP member pulling his URL on Fox. Nevada Republican Sharron Angle, Sen. Harry Reid's Republican opponent, has said she goes on shows which allow her to give out her web address.

"Well, in that audience will they let me say I need $25 dollars from a million people go to Sharron Angle.com send money? Will they let me say that? Will I get a bump on my website and you can watch whenever I go on to a show like that we get an immediate bump," Angle said.

The DGA complaint is embedded below.

ohio fox -

This video can be downloaded from here;
http://www.mediafire.com/?fvv4bf2ssvk...
Please feel free to mirror it, but if you do please also included the links contained in this description.


The Show:
The show will start at 4pm (BST) on Saturday 18 September.
It will be shown here;
http://www.blogtv.com/People/dprjones
To see what time that is where you are go to;
http://www.timeanddate.com/worldclock...


The Charity:
If you want any information about the charity please contact me or watch my previous videos or go to one of the websites, some are which are;
MSF(UK)
http://www.msf.org.uk/
MSF(US) (Doctors without Borders)
http://www.doctorswithoutborders.org/
MSF(Australia)
http://www.msf.org.au/
MSF(Canada)
http://www.msf.ca/

The MSF(UK) youtube channel is here;
http://www.youtube.com/user/msfuk


How to donate:
On MSF's recommendation I have set up donation pages at the following sites;
Justgiving;
http://www.justgiving.com/dprjones24h...
THIS SITE ACCEPTS DONATIONS THROUGH PAYPAL
Firstgiving;
http://www.firstgiving.com/dprjones

Both these sites provide an effective, safe and secure method of making donations. You will not get junk e-mails not will your details be distributed.
The pages are open now if you want to donate. They will also remain open for a further 2 months after the show.


The schedule of the hosts and co-hosts:
This video contains the best information that I can give at the moment. There are likely to be some minor changes before the event. I'll be posting an update video nearer the time with a full schedule.
For the avoidance of doubt, Michael Shermer will not be on the show, but was kind enough to provide the clip used at the beginning of this video.

The e-bay auction:
If you have any items that you wish to donate then please contact;
http://www.youtube.com/user/Proportio...

The MSF's got Talent competition is open until 12th September. Please watch the video below for details on how to enter. NOTE, mirroring of the video is no longer a necessary requirement.
http://www.youtube.com/watch?v=F6PKQz...

robert shumake

Arrowheadlines: Chiefs <b>News</b> 9/22 - Arrowhead Pride

Good morning Chiefs fans. Another day means more Kansas City Chiefs news. Let's be sure to play nice in the comment sections today. We're all Chiefs fans even if we might have different (though no less passionate) visions of what this ...

Deathspank: Thongs of Virtue heads PSN PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of Deathspank: Thongs of Virtue heads PSN.

Enslaved DLC detailed <b>News</b> - Page 1 | Eurogamer.net

Read our news of Enslaved DLC detailed. ... Enslaved developer diary #3 Monday. Enslaved - first 15 minutes 15 September, 2010. Latest News. Move demos flood PS Store . Enslaved UK pre-order deals detailed ...

robert shumake

Arrowheadlines: Chiefs <b>News</b> 9/22 - Arrowhead Pride

Good morning Chiefs fans. Another day means more Kansas City Chiefs news. Let's be sure to play nice in the comment sections today. We're all Chiefs fans even if we might have different (though no less passionate) visions of what this ...

Deathspank: Thongs of Virtue heads PSN PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of Deathspank: Thongs of Virtue heads PSN.

Enslaved DLC detailed <b>News</b> - Page 1 | Eurogamer.net

Read our news of Enslaved DLC detailed. ... Enslaved developer diary #3 Monday. Enslaved - first 15 minutes 15 September, 2010. Latest News. Move demos flood PS Store . Enslaved UK pre-order deals detailed ...

Making Money System

CEOs of large, high profile companies like Intel tend to be averse to making strong political stands, especially during election season.  They understand that their companies can quickly become targets for regulation that can end up costing shareholders millions (or billions of dollars).  Most CEOs tend to throw some money at candidates who are expected to win and keep their heads down. Which is why Intel CEO Paul Otellini’s total evisceration of Obama’s understanding of the economy in the middle of an election season was such a shocking breath of fresh air today.

“The decisions so far have not resulted in either job growth or increased confidence. When what you’re doing isn’t working you rethink it and I think we need to rethink some plans,” he said at the Intel Developers Forum in San Francisco.

Otellini credited the White House for listening to him and other business leaders. “I really think they’re trying,” he said, adding that he doesn’t think there is anti-business sentiment from the administration.

But Otellini said the $787 billion economic stimulus package passed last year has not done enough to solve problems in the job market. He argued that money not yet spent from that program might be better off allocated elsewhere and took the administration to task for focusing on short-term projects.

“It doesn’t seem to be working the way it is. Swimming pools in Mississippi are not going to create lasting jobs.”

** snip **

Otellini is also one of the first Fortune 500 CEOs to speak publicly about President Obama’s newly proposed $350 billion economic recovery plan. He said that proposal, which includes tax breaks for businesses and research and development incentives, is not the right plan either.

The way Otellini sees it, Washington must decide what the industries of the future are. “We still subsidize trains and agriculture — industries of the 19th century. We should decide what’s important to us going forward and make sure we’ve got the education system in place and the capital incentive system in place to do the investment here.”

Otellini also said that a major problem for companies is that they are being held back by high corporate tax rates.

Otellini says it costs Intel (INTC, Fortune 500) $1 billion more to build a factory in the U.S. than abroad because of a lack of U.S. tax incentives. The company has a multi-billion dollar factory slated to open in China this October.

“You have to weigh the advantages of working here, the security of working here in this country…against that billion dollars.”

Otellini questioned why global business leaders would want to do business in the U.S. due to the cost, saying it is critical to incentivize foreign countries to invest in America. “Our corporate taxes are twice what they are in the rest of the world. You want corporations to invest here.”

Gee. It seems that one party was talking about the corporate tax rate being too high all the way through the 2008 election. The other was busy talking about penalizing ExxonMobil for making too much profit. The end result is that when the financial sector tanked, the party in power did nothing to change the corporate tax rate and instead spent billions of dollars on “shovel ready” projects; i.e., completely unnecessary construction projects. These provided some level of short-term boon to construction companies, who built the projects in question and then were promptly left standing around twiddling their thumbs again. Meanwhile, companies with sustainable business practices and profitability like Intel move more and more American jobs overseas because of the hostile business climate that Barack Obama and his cronies don’t even understand, much less know how to fix.

Until America elects an administration and a Congress that has a better plan for fixing the economy than confiscating money from profit (read: job) producers like Intel and throwing it at farm subsidies and construction make-work, you can count on Austan Gooslbee being right: double-digit employment will be a more-or-less permanent feature.

Ezra Klein:

Making Social Security less generous isn't the answer, by Ezra Klein,
Commentary, Washington Post: ...Raising the Social Security retirement age
has become as close to a consensus position as exists in American politics. ...
And for a while, I agreed... People live longer today, and so they should work
later into life. But as I've looked at the issue, I've decided that I was wrong.
... We should leave the retirement age alone. In fact, we should leave Social
Security alone...

Start with the basic rationale for raising the retirement age. As Rep. Paul D.
Ryan (R-Wis.) has argued, when Social Security was signed into law, the
retirement age was 65 and life expectancy was 63. "The numbers added up pretty
well back then," he said on Fox News. But that's misleading. That figure was
driven by high infant mortality. ...

Moreover,... averages conceal a lot of inequality. In 1972, a 60-year-old male
worker who made less than the median income had a life expectancy of 78 years.
By 2001, he had a life expectancy of 80 years. Meanwhile, workers in the top
half of the income distribution shot to 85 years from 79. ...

Lurking beneath this conversation is an unquestioned assumption: We live longer,
so we should work longer. That's pretty intuitive to members of Congress, who
seem to like their jobs and don't seem to like the idea of retiring. It's also
pretty intuitive to blogger/columnists, who spend their time in air-conditioned
rooms opining about pension programs. But most people don't work in Congress or
in the media. They work on their feet. They strain their backs. They're bored
silly at the end of the day. By the time they're in their 60s, they want to
retire.

You see that reflected in Social Security. Age 66 is when you get full benefits.
But most people begin taking Social Security at age 62. They get less, but they
can retire earlier. To them, the trade-off is worth it. ...

An August survey ... tested reactions to a variety of Social Security fixes. One
of the options was raising the retirement age to 70. Two-thirds of respondents
opposed it. Another option was eliminating the cap on payroll taxes so that
well-off workers pay the tax on their full income, just as middle-income workers
do now. A solid 61 percent supported it.

That's almost the reverse of the conversation in Washington, where affluent
people who like their jobs propose cutting benefits for the poor (which is,
after all, what raising the retirement age would do) rather than lowering
benefits or increasing the payroll tax on, well, themselves. ...

The universally unpleasant options for reform are a testament to Social
Security's efficiency. It's a simple transfer program, with administrative costs
that amount to less than 0.9 percent of total spending. There's not much fat to
cut.

That can't be said for much else in American public policy. Our health-care
system costs twice as much as the German system and doesn't deliver better
results. Our defense sector is wasteful and bloated. Our tax code could raise
more money and do less to harm growth if we cleaned it out. Our home prices are
driven upward by the mortgage interest tax deduction. Our health insurance
premiums are goosed by the exclusion of employer-sponsored insurance from
taxable income.

Reforming any of those sectors ... would be politically difficult, but would
mean better policy. Reforming Social Security will be politically difficult and
result in worse policy. ...

Here's what I

argued in May of 2005:

1. An increase in life expectancy does not necessarily imply that people are
healthier at age 65 or 70 than before. Suppose, for example, that medical
advances are discovered that extend the end of life by several years, but have
no effect on health prior to the last few years of life. In such a case there
would be an increase in life expectancy, but no increase in the health of
workers at the age of retirement. If people aren’t healthier, then increasing
the retirement age imposes a hardship over and above that faced by current
retirees.

2. It’s already difficult for elderly workers to find employment, and when
they do they are often underemployed relative to their skill levels. Raising the
retirement age will make this worse.

3. What about workers employed in physically demanding occupations? Is it
reasonable to ask them to work until, say, age 72? If not, how equitable is it
to have some workers work until 72, and others allowed to retire at a younger
age depending on their occupation?

4. Will this distort occupational choice decisions? ... How will we decide
when a worker is unable to work due to reasons associated with age?

5. The life expectancy of some groups of workers is lower than for others. If
poorer workers die younger than richer workers on average, then raising the
retirement age will have a larger impact on low income workers and thus, in
essence, be regressive.

Fox <b>News</b> Poll: Coons Leads O&#39;Donnell By 15 Points In Delaware | TPMDC

The new Fox News poll of the Delaware Senate race shows Democratic nominee Chris Coons continuing to enjoy a double-digit lead against Republican Christine O'Donnell.

International iPhone rollouts reach far beyond China | iLounge <b>News</b>

iLounge news discussing the International iPhone rollouts reach far beyond China. Find more iPhone news from leading independent iPod, iPhone, and iPad site.

David Helfenbein: The Facebook <b>News</b> Feed and Twitter Generation

The largest misconception about Generation Y is that technology is a replacement for interpersonal dialogue. Technology is becoming more ever-present, and Gen Y is still managing to talk to one another.

robert shumake

Fox <b>News</b> Poll: Coons Leads O&#39;Donnell By 15 Points In Delaware | TPMDC

The new Fox News poll of the Delaware Senate race shows Democratic nominee Chris Coons continuing to enjoy a double-digit lead against Republican Christine O'Donnell.

International iPhone rollouts reach far beyond China | iLounge <b>News</b>

iLounge news discussing the International iPhone rollouts reach far beyond China. Find more iPhone news from leading independent iPod, iPhone, and iPad site.

David Helfenbein: The Facebook <b>News</b> Feed and Twitter Generation

The largest misconception about Generation Y is that technology is a replacement for interpersonal dialogue. Technology is becoming more ever-present, and Gen Y is still managing to talk to one another.

CEOs of large, high profile companies like Intel tend to be averse to making strong political stands, especially during election season.  They understand that their companies can quickly become targets for regulation that can end up costing shareholders millions (or billions of dollars).  Most CEOs tend to throw some money at candidates who are expected to win and keep their heads down. Which is why Intel CEO Paul Otellini’s total evisceration of Obama’s understanding of the economy in the middle of an election season was such a shocking breath of fresh air today.

“The decisions so far have not resulted in either job growth or increased confidence. When what you’re doing isn’t working you rethink it and I think we need to rethink some plans,” he said at the Intel Developers Forum in San Francisco.

Otellini credited the White House for listening to him and other business leaders. “I really think they’re trying,” he said, adding that he doesn’t think there is anti-business sentiment from the administration.

But Otellini said the $787 billion economic stimulus package passed last year has not done enough to solve problems in the job market. He argued that money not yet spent from that program might be better off allocated elsewhere and took the administration to task for focusing on short-term projects.

“It doesn’t seem to be working the way it is. Swimming pools in Mississippi are not going to create lasting jobs.”

** snip **

Otellini is also one of the first Fortune 500 CEOs to speak publicly about President Obama’s newly proposed $350 billion economic recovery plan. He said that proposal, which includes tax breaks for businesses and research and development incentives, is not the right plan either.

The way Otellini sees it, Washington must decide what the industries of the future are. “We still subsidize trains and agriculture — industries of the 19th century. We should decide what’s important to us going forward and make sure we’ve got the education system in place and the capital incentive system in place to do the investment here.”

Otellini also said that a major problem for companies is that they are being held back by high corporate tax rates.

Otellini says it costs Intel (INTC, Fortune 500) $1 billion more to build a factory in the U.S. than abroad because of a lack of U.S. tax incentives. The company has a multi-billion dollar factory slated to open in China this October.

“You have to weigh the advantages of working here, the security of working here in this country…against that billion dollars.”

Otellini questioned why global business leaders would want to do business in the U.S. due to the cost, saying it is critical to incentivize foreign countries to invest in America. “Our corporate taxes are twice what they are in the rest of the world. You want corporations to invest here.”

Gee. It seems that one party was talking about the corporate tax rate being too high all the way through the 2008 election. The other was busy talking about penalizing ExxonMobil for making too much profit. The end result is that when the financial sector tanked, the party in power did nothing to change the corporate tax rate and instead spent billions of dollars on “shovel ready” projects; i.e., completely unnecessary construction projects. These provided some level of short-term boon to construction companies, who built the projects in question and then were promptly left standing around twiddling their thumbs again. Meanwhile, companies with sustainable business practices and profitability like Intel move more and more American jobs overseas because of the hostile business climate that Barack Obama and his cronies don’t even understand, much less know how to fix.

Until America elects an administration and a Congress that has a better plan for fixing the economy than confiscating money from profit (read: job) producers like Intel and throwing it at farm subsidies and construction make-work, you can count on Austan Gooslbee being right: double-digit employment will be a more-or-less permanent feature.

Ezra Klein:

Making Social Security less generous isn't the answer, by Ezra Klein,
Commentary, Washington Post: ...Raising the Social Security retirement age
has become as close to a consensus position as exists in American politics. ...
And for a while, I agreed... People live longer today, and so they should work
later into life. But as I've looked at the issue, I've decided that I was wrong.
... We should leave the retirement age alone. In fact, we should leave Social
Security alone...

Start with the basic rationale for raising the retirement age. As Rep. Paul D.
Ryan (R-Wis.) has argued, when Social Security was signed into law, the
retirement age was 65 and life expectancy was 63. "The numbers added up pretty
well back then," he said on Fox News. But that's misleading. That figure was
driven by high infant mortality. ...

Moreover,... averages conceal a lot of inequality. In 1972, a 60-year-old male
worker who made less than the median income had a life expectancy of 78 years.
By 2001, he had a life expectancy of 80 years. Meanwhile, workers in the top
half of the income distribution shot to 85 years from 79. ...

Lurking beneath this conversation is an unquestioned assumption: We live longer,
so we should work longer. That's pretty intuitive to members of Congress, who
seem to like their jobs and don't seem to like the idea of retiring. It's also
pretty intuitive to blogger/columnists, who spend their time in air-conditioned
rooms opining about pension programs. But most people don't work in Congress or
in the media. They work on their feet. They strain their backs. They're bored
silly at the end of the day. By the time they're in their 60s, they want to
retire.

You see that reflected in Social Security. Age 66 is when you get full benefits.
But most people begin taking Social Security at age 62. They get less, but they
can retire earlier. To them, the trade-off is worth it. ...

An August survey ... tested reactions to a variety of Social Security fixes. One
of the options was raising the retirement age to 70. Two-thirds of respondents
opposed it. Another option was eliminating the cap on payroll taxes so that
well-off workers pay the tax on their full income, just as middle-income workers
do now. A solid 61 percent supported it.

That's almost the reverse of the conversation in Washington, where affluent
people who like their jobs propose cutting benefits for the poor (which is,
after all, what raising the retirement age would do) rather than lowering
benefits or increasing the payroll tax on, well, themselves. ...

The universally unpleasant options for reform are a testament to Social
Security's efficiency. It's a simple transfer program, with administrative costs
that amount to less than 0.9 percent of total spending. There's not much fat to
cut.

That can't be said for much else in American public policy. Our health-care
system costs twice as much as the German system and doesn't deliver better
results. Our defense sector is wasteful and bloated. Our tax code could raise
more money and do less to harm growth if we cleaned it out. Our home prices are
driven upward by the mortgage interest tax deduction. Our health insurance
premiums are goosed by the exclusion of employer-sponsored insurance from
taxable income.

Reforming any of those sectors ... would be politically difficult, but would
mean better policy. Reforming Social Security will be politically difficult and
result in worse policy. ...

Here's what I

argued in May of 2005:

1. An increase in life expectancy does not necessarily imply that people are
healthier at age 65 or 70 than before. Suppose, for example, that medical
advances are discovered that extend the end of life by several years, but have
no effect on health prior to the last few years of life. In such a case there
would be an increase in life expectancy, but no increase in the health of
workers at the age of retirement. If people aren’t healthier, then increasing
the retirement age imposes a hardship over and above that faced by current
retirees.

2. It’s already difficult for elderly workers to find employment, and when
they do they are often underemployed relative to their skill levels. Raising the
retirement age will make this worse.

3. What about workers employed in physically demanding occupations? Is it
reasonable to ask them to work until, say, age 72? If not, how equitable is it
to have some workers work until 72, and others allowed to retire at a younger
age depending on their occupation?

4. Will this distort occupational choice decisions? ... How will we decide
when a worker is unable to work due to reasons associated with age?

5. The life expectancy of some groups of workers is lower than for others. If
poorer workers die younger than richer workers on average, then raising the
retirement age will have a larger impact on low income workers and thus, in
essence, be regressive.

robert shumake

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