Google Advertising - The Basic Landscape of AdWords

Google makes the vast majority of it's money through advertising revenues. More specifically Google generates advertising revenue through there advertising program known as AdWords.

How to Change Servers (DNS) for Domains Hosted with

This is a simple step by step "how to" article describing how to change your domain name servers hosted in your hosting account.

Credit Websites for US Consumers

There are three official websites that a US consumer can visit and access their free annual credit report. These three sites belong to (one each) the three major credit bureaus. I have listed the 3 credit bureaus below.

Keeping Up with Your Credit Reports? - You are Not the Only One

Many consumers like to keep an eye on their credit. Monitoring your credit report and credit score is a healthy habit of the financially savvy. It is a sign of smart personal finance and debt management habits. This is no secret.

What many folks don't know is that they are not the only ones looking at their credit reports, credit history, and their credit scores.

Creditors are Willing to Eliminate Debt - Find Out Why

It often comes as a shocking surprise to people when they learn just how much folks typically save through debt settlement.

People often do not expect lenders to be willing to eliminating tens of thousands in credit card debt for people who are in financial hardship. None the less it is true.

Business Basics - Understanding Risk and the Certainty of Uncertainty

Anyone who has been responsible for a business for some amount of time knows or quickly finds out that one of the biggest mistakes a business operator can make is not expecting to make a mistake. It can even get worst at times. Sometimes disaster will strike with no notice and no fault. This potential disaster, this uncertainty, this certainty of uncertainty is known as risk.

This post will outline some potential risks of doing business and more specifically the typical horizons of which risk tends to rise.

Budget Bucket Saving

As the economy continues to struggle consumers and homeowners a like are starting to see the importance of increasing their savings and their savings rate.

I have taken the time to post some simple steps you can take to save more through a strategy known as budget bucket saving. This is a great personal finance tip.

Amidst the Ash of Subprime

A New Borrowing Era - Post Subprime

Following the subprime mortgage crisis, and the political and economic changes that it has caused, will you be able to rely on your mortgage broker?

Home Buyer Considerations

Mortgage lending has been the catalyst and factor allowing most of today's homeowners to own their home. Depending on your personal finances you also may one day take out a mortgage. In which case there are several factors that home buyers should consider before buying a home and taking out a mortgage. This article contains essential mortgage questions home buyers should consider when obtaining a mortgage.

Debt Settlement Basics

Debt Settlement

Debt settlement can be defined as resolving distressed loans and debt through a pay off agreement between both creditor and borrower. Typically the debt to be payed is drastically reduced and the new reduced amount is paid immediately in one large payment.

DIY Credit Card Debt Settlement

Borrowers who are amidst a financial hardship and can not make timely monthly payments on their credit card debt can benefit from debt settlement. Distressed borrowers are able to avoid bankruptcy as well as reduce the total amount owed by successfully negotiating a settlement with their creditors.

This post discuses how consumers of credit card debt can obtain debt help and a debt settlement offer on their own.

Cash For keys

Foreclosure sales are at all time highs.

Homeowners are losing their homes everywhere. Many people who lose their home to foreclosure have to move, and thus incur significant expenses and moving costs. This is a financial hardship in itself but is often endured while the former residents are already amidst a current financial hardship which has caused them to default on their mortgage payments and fall victim to foreclosure in the first place.

A program called Cash for Keys was developed to address this homeowner difficulty.

Chapter 13 Bankruptcy

Borrowers with overwhelming financial obligations can obtain debt help through a chapter 13 bankruptcy given the borrower has income and is able to make good on their financial obligations through a feasible and fair compromise with the existing creditors.

Chapter 11 Bankruptcy

Chapter 11 bankruptcy allows businesses to obtain debt relief by restructuring the existing financial obligations of the distressed business. This type of bankruptcy is ideal for businesses that would be profitable if not for unmanageable levels of debt.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is a legal process which exists, and was created, as a debt solution for those who are overwhelmed with debt, and further, this chapter of bankruptcy is intended to help borrowers who have no feasible way of complying with the terms of the debt in it's current form. 

This chapter is able to provide consumers help with debt and financial hardship.

Bankruptcy Basics

This post will discuss the fundamentals of bankruptcy.

Small Business Marketing - A Warning to Small Business Owners

As you may or may not know there are many outlets for dentist, family physicians, lawyers, and any other common local business owners to obtain professional help with advertising, marketing, and related efforts and needs.

What you may not know is that there is most likely no other consumer with in the marketing and advertising industry that is more sought out by marketing firms then this target market.

The reasons behind this is simple.

Articles of Organizaton - LLC

In the wake of the economy and the correlating loss of employment that has effected many Americans more and more professionals are taking matters into their own hands. Folks are going into business on their own and many of these folks plan on starting a LLC to work under.

This is generally a smart decision as a LLC provides some legal protection and limits exposure to both legal and financial liability.

To form a LLC one must first write and file the Articles of Organization.

Warren Buffett - Talking Plain Sense to the Plain Dumb

This is a interview with Warren Buffett.

He has made numerous pleas, public appearances, self-less efforts, a rich man's challenge that has gone unanswered, and campaigned tirelessly to no avail.

Shame on us.

Please allow me to explain.

Hang On... (This is Going to Be Fun)

It just hit me that it has been a while since I posted anything fun or playful.

Long Term Decline in Manufacturing Jobs

There has been a long term trend of declining manufacturing jobs in the United States. This article will discuss the downward trending track of US manufacturing jobs.

Basic Types of Business Operations

List of Catagory and Type of Business Operations with Business Examples

Creating Value through Business Operations

This post discusses creating value through process and operations of businesses.

Challenges of Managing Services

Managing a service based business is complicated through a variety operational characteristics. In this post, I wanted to discuss why and how managing services is challenging.

Business Operations - Productivity

Business Productivity

This article discusses operations productivity and measuring business productivity.

The founder of is famous for saying that anything watched and measured tends to go up. Keeping track of company productivity is essential to running a successful business venture.

Competitiveness, Strategy, and Productivity

Organizational Strategy Formulation Explained

Businesses compete using operations and more importantly their operational strategy. This article discusses strategy and operations planning.

Operations Management

Core Fundamentals of Operations Management 

This article will discuss the basics of operations management as it pertains to business.

Cash, Credit, or Cell?

"Hey can you cover me I left my charger at work?"

This is how you will sucker your friend in to paying for your night out in a year or two.


Yeah... you, Master Card, Visa, and American Express too.

US Unemployment Checks - Two Million Say Good Bye

Today two million unemployed Americans say goodbye to their unemployment checks.

I have never been good at saying goodbye. For the purposes of this post that really does not matter.

I have never received unemployment benefits. So I will not be one of the two million US citizens who will have to say goodbye to their unemployment checks today.

Obama Suggests Two Year Pay Freeze for Federal Employees

Obama has proposed an idea to aid in America's effort to cut back on spending and to try and tackle this enormous budget deficit.

Business Basics - Taking a Look at the Competition

All businesses have competitors. All businesses must compete for customers and their market share. If there is any room for competing firms then you can rest assured that the applicable industry will see new competing firms.

Thoughts on The Bush Tax Cuts

The Bush Tax Cuts

If you happen to live amidst any sort of US media than you have no doubt been exposed to the Bush tax cut conflict.

The Bush tax cuts is a heated political issue. Democrats want to get rid of them for those who make more then 250 thousand dollars and keep them for those who make less then 250 thousand dollars.

Looking Back at Cash For Clunkers - Obama Plan

August 2009

Cash for Clunker - Obama Stimulus Program

The phrase "Cash For Clunkers" has been all over the media as of late and for good reason. Cash For Clunkers is thus far the most successful economic stimulus program, this notion is impressive by any measure but is even more impressive when you take in the fact that it makes up less then 1% of the stimulus budget. Not to mention that this figure was increased three fold from the original 1 billion dollar budget to 3 billion which was passed by congress due to the overwhelming success.

Three Foreclosure Soloutions

3 Foreclosure Options
I wanted to explore three great foreclosure alternatives for homeowners in financial hardship.

Homeowners Can Stop Foreclosure

Many homeowners are finding themselves staring down the barrel of mortgage default and a looming foreclosure sale. There are a lot of homeowners who think that all hope is lost and that their is nothing that they can do. They feel hopeless. The thoughts of uncertainty are too much for many to deal with.

When and How Subprime Went Wrong - Explained

Subprime Lending Went Wrong

Subprime loans have enabled thousands upon thousands of Americans who did not qualify for prime loans the opportunity to buy a home via the funds obtained through a subprime loan.

Subprime Lending

Sub-prime Mortgage Lending and Home Loan Borrowing

A sub-prime mortgage is a mortgage that was created for the sub-prime borrower or in other terms borrowers who did not qualify for a prime mortgage which generally have more favorable terms.

Subprime Economy

The American economy has seen better times.

Short Sale Basics

Short Sale

A short sale is a discounted real estate transaction involving the sale of a distressed property.

Deed in Lieu - Fundamentals

Many homeowners who are in financial distress find themselves in foreclosure. The stress and anxiety that foreclosure causes can make it easy for a homeowner to simply give up and put their head in the sand. Many homeowners feel there is nothing further they can do and they just want to let their home go to foreclosure. A deed in lieu of foreclosure may be a good option for the borrower who needs to stop foreclosure but can no longer afford to keep their home.

Forbearance Basics

Forbearance allows the homeowner to stop foreclosure and keep their home.

Modification Basics

Loan Modification

Loan Modification is the restructuring of the existing payment terms of a loan, most commonly used to salvage a nonperforming mortgage loan.

Basic Fundamentals of an Investment

When most people talk about an investment they most commonly are referring to a financial decision to commit financial resources to a current use with the expectation of receiving back the financial resources committed as well as a return or reward in the form of financial resources as profit. Investments are generally thought of as involving money but can involve any sort of resource that is of value.

Small Business - Why Most Small Businesses Fail

The vast majority of small businesses fail. Why is this?

Nothing is Hotter Than Potter

I saw the financial figures from the weekend box office results of the new Harry Potter flick. My goodness, does this brand not run out of steam? Apparently not.

Online Retail Sales are Booming

Well business on the Internet has been booming like always. The online retail sales and finance figures for the third quarter of 2010 are in. The figures are very impressive.

Ireland Takes Bailout

If you have followed global finance at all over the last couple of weeks then you have undoubtedly been exposed to the current Irish bailout controversy.

Business Basics - Staying Competitive

To survive as an ongoing entity, a business must stay competitive. The free market dictates that if there is room for competition someone, some company, will try to squeeze their way in. That company, or new competition, won't stop there.

On-Site SEO Activities

This post is simply a helpful resource identifying some common on-site seo activities.

Below is a general list of on-site activities that will enhance search engine visibility.

Search Engine Mechanics

How Do Search Engines Search?

The exact nature of search engines and how they work will vary from one engine to the next. The bigger ones such as Google, Yahoo, and Bing have similar conceptual mechanics and solid white hat search optimization techniques will positively influence a websites rankings in all three.

On Site Optimization and Off Site Optimization

Their are two components of SEO work that must be completed to obtain a competitive reach in terms of search listings and rankings. With out both components of search engine optimization a Website is not reaching max search exposure potential, and thus missing out on quality search engine traffic.

SEO - On-Site Optimization VS Off-Site Optimization

The ultimate goal of both on-site optimization and off-site optimization are one in the same. The goal is to support the target websites SERP's and increase the relevant search engine traffic. This post discuses on-site sep vs off-site seo.

Three R's of Online Advertising

The three "R's" of online advertising are three important aspects that all advertisers need to consider when developing an advertising campaign.

This article will discuss the three "R's" of online advertising and why they are important.

Google Search Result Listing - Taking a Close Look

When a search engine user submits a search query to Google the user will get a search result page with search listings in order of relevancy according to Google search algorithms.

This article will discuss the make up and components of a search listing within a search results page.

Google - The Company Basics

Google Basics

Google is a publicly traded corporation.

Google's mission statement and proclaimed purpose is to;

 "...organize the world's information"

Google is best known as a search engine which is also the engine that allows the company to grow and prosper.

How Google Makes Money

Have you ever wondered how Google makes money?

Google makes money from displaying advertisements that advertisers pay Google for. These advertisements are displayed on the search results page as well as on websites that are part of the content network.

The Google advertising programs are AdWords and AdSense
  • AdWords is the platform that advertisers come together and bid for advertising space Google, the search network, and the content network. Google also sells inventory for radio and TV time.
  • AdSense is a program and platform for content providers. It is an outlet that allows publishers to monetize their content and websites with Google ad's.
Google also makes money from charging fee's for business services. These fee's are not much compared to the value that is easily derived from the applicable product.

Related Articles

Mechanics of a Google Search

From User Query to Search Results - Break Down of the Step by Step Process

Have you ever wondered what is going on behind that friendly, plain, and useful Google Search page which we have all come to depend on and expect it to be there eagerly awaiting to help us find what we want, what we're looking for.

History of Online Advertising

Online advertising is a relatively new platform for advertisiers. Here we will briefly discuss the history of online advertising and more specifically the rapid growth and success that the young advertising medium has yielded thus far.

Great Baseball Clip You May Have Never Seen

This is amazing. You have got to see it...

Hire Personal Finance Help - Analyzing How and Why to Buy Financial Advice

One of the most obvious personal finance mistakes that I have observed the every day consumer and average Joe make over and over is how they go about hiring the advice of a financial adviser.

Four Highly Effective Habits of the Financially Healthy

Those few among us whom are both financially savvy as well as financially healthy have many habits and principles that have ultimately allowed them to prosper steadily. I don't think it is to far fetched to argue that most of us could learn a thing or two from their example.

Business Basics - The 3 Fundamental Functions of Every Business Explained

No matter what type of business, or organization for that matter, you can rest assured that there are three fundamental functions that run that business and dictate how that business behaves.

This post explains the 3 basic functions of every business. These functions are Finance, Marketing, and Operations.

Bad Debts Expense for Tax Purposes Explained

This post provides some basic information on bad debt expenses in regards to reporting income tax.

Microsoft Fighting The Drug Cartel...... Software Piracy Cartel???

I was just reading the New York Times Sunday money section, and I stumbled on a story that was on a raid in Mexico. Apparently the same organizations that are responsible for drugs and the like have found a new operation to diversify their revenue streams.

They pirate software.

This is Just Flat out Hilarious - Go Celtics

I am originally from up north. Thus I am a Celtics fan, Red Sox fan, Patriots fan, and of course a Bruins Fan.

Banks Playing Off Clueless Homeowners - Destroying the Obama Plan One American Dream at a Time

The HAMP modification has been compromised. Obama's mortgage assistance program designed to provide debt help for homeowners has been sabotaged.

Dear Google - Not Evil? - Then Please Define Evil

I Love Google.

I have gone back and forth in my head about utilizing the vast array of products and services that Google offers. In particular their AdSense and AdWords services. But it just seems too sketchy... too bizarre. They are the least transparent and disrespectful entity, in terms of how they treat their clients, partners, and their share holders (aka owners).

Here is a classic example...

How Credit Card Companies Make Money - What you may not know

If you are a consumer then chances are you have a credit card account, or at least have had a credit card account in the past.

Do you know how credit card companies make money

Do you know why credit card companies are so willing to lend via unsecured revolving accounts?

Most people would guess credit card companies such as Visa, Master Card, Discover, and American Express make their huge profits by charging consumer borrowers interest on the money they borrow via their credit card.

Most people are wrong.

New Facebook Search Engine

I have heard rumors that there is a new search engine in the works. Supposedly a based search engine. That is all I really have on the matter. But what a rumor that is... wow.

A Facebook search engine would be huge.

Buffet Takes a Big Step in Passing the Tourch - Todd Combs... Who?

Warren Buffet is in my opinion the best investor and most talented business man that was born in the last 100 or so years.

Today as I read the Wall Street Journal I learned that Warren Buffet named Todd Combs as a Successor of Berkshire Hathaway.

Who is Todd Combs

Verizon vs AT&T - Comparing iPad Data Plan Financial Value

In my last post I reported that Verizon and AT&T will soon be selling the iPad in all retail locations. The iPad will be available through these two companies before the month of October is out. I believe the exact date is October 28th.

I made no effort to hide my personal feelings about this notion. I was very transparent about my excitement and anticipation for the new Verizon option. They will now add competition to AT&T's data plan solution for iPad owners and users.

I want to prove my point. I wanted to do a post comparing AT&T and Verizon iPad data plans.

iPad - Soon Sold by Verizon and AT&T Retail Locations

Apple has announced that they are planning to allow both Verizon and AT&T to sell the iPad out of their retail locations.

The iPad will be available for sale at all Verizon and AT&T locations starting at the end of October before Halloween.

Online Advertising Spending Round Up

Well the overall economy, the housing market, and consumer credit may be struggling but there is one side of the economy who missed the recession memo.

The online advertising and marketing industry is popping like never before. The entire industry seems to be doing well. All the usual suspects are turning big gains in revenue, profits, and of course possibility.

The Social Network - What Do You Know About Success?

Most people have a complete ignorance of what the cost and risk is of becoming extremely successful and extremely rich.

Do you want to know?

Are you sure?

MERS - Failure of Mortgage Security Registration

MERS - Mortgage Electronic Registry System

MERS which is an abbreviation for Mortgage Electronic Registration System has been the ultimate authority and primary database of mortgage security registration and is where the records for proof of ownership has been kept since 1997.

MERS was created to make it easier, and less costly to trade mortgage backed securities.

Private Sector Jobs Increasing... a Little

The private market added an additional 65,000 thousand or so jobs over the last month.

Consumer Credit Declines

Consumer credit is declining. The American consumer is able to buy less and less on credit with every passing month.

During the month of July consumer credit dropped by about 3 billion dollars. As of August the collective American consumer was able to buy 2.4 trillion dollars worth of merchandise via credit if we were to all max out every account we had.

The Recession is Officially Over... Unless You ask Warren

Warren Buffet (now worth about 45 billion dollars) has said that the recession is not over.

Not but a few days ago the powers that be said that the recession ended in June. Then the next day the Oracle of Omaha confidently stated that the recession is in fact not over.

America's Banks are Financially Baked - Crispy and Risky

Financially crispy, and unfortunately risky. That is the blunt truth regarding the US banking industry.

The unfortunate and scary reality of the matter is that out of the nearly 8,000 banks that are FDIC insured almost 830 of them are on the "oh crap" list that is kept by the FDIC.

That is a little more then 1 out of every 10 banks, or more specifically 11%.

Fox Hole Girls Protest For God - Jesus Loves Strippers Too!

Fox Hole Strippers Protest Harassment of Warsaw Ohio Church Members

I can just picture that first Sunday in early August 2010.
Fox Hole Strip Club - Strippers Protest Church Members

"Mommy, Mommy look... How come those girls get to wear their bathing suit?"

Please allow me to introduce Angel and Candy Cane. Fox hole strippers protesting the members of a Warsaw church in the state of Ohio.

US Economic Growth... Well Kinda

The United States economy is at a fork in the road. Which way and where it will go? Nobody really knows, even if they don't tell you so.

How to Hedge a Failing US Economy
The finance blogs and finance bloggers of the world have been speaking of a dooms day looming in the not so distant future of the American economy. The really scary part is that they all have strong arguments.

There is a large supply of worry, and perhaps even a larger supply of reasons to be worried about.

In researching the current state of the American economy I had a few moments to think about what would be a good investment.

I asked myself; where should one put their hard earned money?

The Answer will shock you...

HAMP Modifications Are Drying Up - Uh Oh?

I was reading over an article I saw on a proclaimed debt help resource for homeowners.

The article was on the stats and numbers pertaining to the HAMP modification performance to date.

I expected to see good numbers as I have been hearing good things amidst the never ending slue of finance blog posts that I read on the housing market.

Stabilizing The Housing Market – How America Did It

The mortgage loan and housing crisis created tremendous economic anxiety and directed the American economy towards a black hole of financial hardship.

Though the US economy is not out of the recession or perhaps depression, things have appeared to settle down a bit.

It looks as if the housing market may be stabilizing. This sis a article exploring the steps and actions that were taken to stabilize the US housing market.

Refinancing Consumer Craze - Low Mortgage Interest Rates

Low Mortgage Rates – Low Mortgage Origination –
Sky Rocketing Mortgage Refinance Origination Loans

Low Mortgage Rates Create High Demand for Mortgage Refinancing

Mortgage rates are low as they can be. I honestly do not know if we are ever going to see rates this low ever again. Though I should say that statements like that somehow always seem to turn out wrong.

Sex Sells - Republicans Reverting to What Works - Watch Out Palin - Nikki Haley is Turning Heads

 Republicans Sporting Old Fashioned Sex Appeal

Republicans and the rest of the political world are still not quite sure what they uncovered when they brought Sarah Palin to the presidential race. I say the republican party is really on to something here.

Financial Reform Pushed Through By Democratic Majority and Three Republicans

A New Financial Industry Reform Bill Has Passed

Well 2,100 pages of potential American Policy and Law fixing to keep a tighter watch on the financial industries practices of marketing products to the American Consumer is on its way to Presidents Obama's Desk. Obama is expected to sign.

Goldman Sachs Settles with the SEC - Over Half a Billion Dollars - No Financial Biggie

Goldman Sachs who really caught some heat from the subprime mortgage securities it was selling as securities (imagine that) settled with the SEC for a little more then 500 million dollars.

Judge Judy Rules On America's Tube

Judge Judy Tops Ratings Charts

So I am glancing over scraps of a USA Today Newspaper and wouldn't you know it Judge Judy is glaring at me from the Life section with that judgmental scowl. Actually that is a bit of a fib. She was smiling and looked deceptively friendly.

Credit Unions or Banks? Are they the Same? Whats the Difference?

So I was out with a girl the other night. It is our second date. We were talking and some how the term bank and credit union came up. She didn't know the difference.

Know the difference between credit unions and banks. Please.

Well to save the very few others who don't know here is the scoop...

Summer Block Buster Does it Right - Cameron and Tom Light It Up

For a while, I lost faith in the big screen. It just seemed that it was all about the quick money and not so much about the movie. The producers spend big on advertising and marketing talent and almost nothing on movie making talent. I hate that trend.

However, I am glad to share that the action-packed blockbuster known as "Knight and Day" has reawakened my soft side for shelling out $10.00 for a flick.

Mrs. Diaz was awesome and cruise was cool too. These guys really pulled it off together.

C. Diaz in small silver sexy bikini bottom

Home Sales Drop By Coupon Rate Value After Discount Tax Credit Expired

Home sales of existing homes have fallen in May by over 2 percent. This is no doubt a result of the non existent tax credit incentive that has expired. The drop in sales was 2.2% as if 2.2% of the buyers that were present last month had dropped off the market. The discount or "coupon" for first time home buyers was also dropped from the market. The use of coupons or the coupon rate is known to keep pace @ 2.2%. Hmmmmm....

Tax Law and the American Tax Flaw

No taxation with out representation. This is a wonderful and essential principle of the United States tax system. This principle is at the core of tax law, as well as its relation to government representation, and part of the foundation of the current governing system. Despite this founding principle deeply woven into the structure of America, there is a flaw.

The flaw is not in the no taxation with out representation the flaw comes in the form of a missing component to that same principle.

What is the American Flaw of Tax Law?

Snoopy and Charlie Brown Sold Out - 175 Million Peanuts

Charles Schulz the creator of Peanuts and the lovable Charlie Brown and his dog Snoopy has managed to make waves across the branding and advertising world despite being dead.

Forgive the blunt language, I love the cartoon classic, I even contribute to the 2 billion a year in retail sales the trade mark and brand pump out on an annual basis (not for me my pops can not get enough of them {teachers}).

The brass tax of the deal boils down to the following:

Obama’s Auto Industry Bail-Out is Working – Who Knew?

It seems as if Obama and his administration’s decision to bailout the Auto industry giants such as GM and Chrysler has paid off or at least is paying off and is on the right track. - Tagging the Net – One “Like” Button at a Time has and will continue to connect people, places, and things. They now plan to unveil a new simple gizmo that will add websites and web pages to that list. Face Book is providing a free tool to websites every where called a “Like Button”.

Yahoo Doubles Up on Earnings

Yahoo reported some great earnings for the quarter. However the earnings are so impressive on the surface because of one time non reoccurring payments from Microsoft as agreed in the Yahoo Search and Microsoft Bing Deal.

Goldman Sachs Pumps Killer Earnings

Goldman Sachs, the company whom has and continues to be highlighted in headlines everywhere for the SEC charges of fraud, has reported yet another great earnings quarter.

Commercial Mortgage Loan Defaults

The mortgage crisis is threatening the economy with a second coming.

Apple Computer Quarterly Earnings Come In Strong

Apple continues to do what it does best… Developing Marketing and Selling Mac Products and making billions doing so.

Apple brought in 13.5 billion dollars over the last three months. After about 10 billion in costs and expenses they profited 3.07 billion dollars. That comes to about 3.33 dollars per share.

Banking Giant Returns to Profitability - Citi Group Reports Great Earnings Report

The financial storms that encased the economy in this recession seems to be burning away in light of the positive earnings results being reported by the big banks. This new day for banking giants just got a little brighter in light of the reported earnings issued by Citi Bank.

Big Banks Bet and Bank on Trading Profits - BoA and Chase Ride Trading Revenue to Profitability

Both JP Morgan and Chase and Bank of America reported profitable quarters this earnings season go around.

Though Chase has been in better shape over this economic down turn both banks profitable quarters relied on their investment banking activities.

Chase Bank reported 3.3 billion dollars for the first quarters profit. Bank of America came in right behind them with 3.2 billion dollars. 3/4's or 75% of Chase Bank profits came from trading and investment banking activities and 2/3 or about 65% of Bank of Americas profits came from their newly found investment banking operations. This profitable Merrill Lynch deal has beat the overall outside consensus and expectations. Just goes to show you that old Ken Lewis knew and still likely knows what he is talking about.

FDIC Extends Business Insurance Program

The FDIC Insurance for 100% of all business deposits will be extended for at least another six months if not longer. I predict that the program will be here through at least part of 2012. However the serious talks and sources that I have seen are saying mid 2011.

Conan O’brien Finds a New Home with TBS and the Time Warner Family

I love Conan. He is as funny as they get in my opinion.

Dow Tops 11,000 – Time to Go Back Down

This is a prediction that the DJIA will drop over the next several quarters to about 9000 – 9700 with the half way point 9350 my meat and potatoes estimate.

Fashion and Clothing Retailers Are Showing Substantial Sales Growth

The stock market continues to push forward and the buyers or bulls of the financial world have been rewarded with great sales figures from the retail sectors.

Banks Lowering Debt to Present Prettier Balance Sheets – Is This Dishonest?

How could banks and financial firms be accused of being dishonest when they lower debt at the end of the quarter?

Apple Steps into the World of Online Advertising With "iAD"

Mobile Advertising a growing advertising medium accounting for about 400 - 500 million dollars a year of the online advertising business just got shaken and stirred by Steve Jobs and Apple when the introduction to the "iAD" was unveiled last week.

iAd Video from

Here is the video fro YouTube that has the iAD Advertisement for Nike as a demo. This is presented by Steve Jobs Ofcourse.

View the Related Feature Article...

Apple Steps into the World of Online Advertising With "iAD"

Reform or Refrain - What Will Become of the Push to Reform the Financial Markets

It is no secret that the financial markets have not performed at there best. The free market by default will always be on the move, sometimes up, and sometimes down.

The last few years has been a bit skewed if we go by the history of the financial markets. We have not seen performance this low since the Great Depression.

Should the government reform the financial markets and current regulatory practices?