RSS
 

Archive for January, 2010

Power programming

28 Jan


2010-01-26 11 Comments and 11 Reactions

Powerful or dangerous?

Recently I wrote about one of the Google Code Jam challenges, where, perhaps surprisingly, the best answer  the most elegant and obviously correct answer, requiring the fewest lines of code, with virtually zero space overhead, and running the quickest the very best answer was coded in C++.

Why should this be surprising? C++ is a powerful language.

In my experience there is almost no limit to the damage that a sufficiently ingenious fool can do with C++. But there is also almost no limit to the degree of complexity that a skillful library designer can hide behind a simple, safe, and elegant C++ interface.

Greg Colvin,

Yes. And yes! But in this article I wanted to discuss something C++ can do. Let’s start with another challenge from the same round of the 2009 Google Code Jam.

Decision trees

Decision trees  in particular, a type called classification trees are data structures that are used to classify items into categories using features of those items. For example, each animal is either  or not. For any given animal, we can decide whether it is cute by looking at the animal features and using the following decision tree.

(0.2 furry
  (0.81 fast
    (0.3)
    (0.2)
  )
  (0.1 fishy
    (0.3 freshwater
      (0.01)
      (0.01)
    )
    (0.1)
  )
)

Decision Trees, Google Code Jam 2009

Cute beaver!

The challenge goes on to describe the structure more formally, then steps through an example calculation. What is the probability, p, that a beaver is cute?

For example, a beaver is an animal that has two features: furry and freshwater. We start at the root with p equal to 1. We multiply p by 0.2, the weight of the root and move into the first sub-tree because the beaver has the furry feature. There, we multiply p by 0.81, which makes p equal to 0.162. From there we move further down into the second sub-tree because the beaver does not have the fast feature. Finally, we multiply p by 0.2 and end up with 0.0324 the probability that the beaver is cute.

Decision tree calculation

The challenge itself involves processing input comprising a number of test cases. Each test case consists of a decision tree followed by a number of animals. A solution should parse the input and output the calculated cuteness probabilities.

Cuteness calculator

def cuteness(decision_tree, features):
    """Return the probability an animal is cute.

    - decision_tree, the decision tree
    - features, the animal's features,
    """
    p = 1.0
    dt = decision_tree
    has_feature = features.__contains__
    while dt:
        weight, *dt = dt
        p *= weight
        if dt:
            feat, lt, rt = dt
            dt = lt if has_feature(feat) else rt
    return p

Calculating an animal’s cuteness given a decision tree and the animal’s features isn’t hard. In Python we don’t need to code up a specialised decision tree class — a nested tuple does just fine. The cuteness() function shown above descends the decision tree, switching left or right according to each feature’s presence or absence. The efficiency of this algorithm is proportional to the depth of the tree multiplied by the length of the feature list; as far as the code jam challenge goes, it’s not a concern.

>>> decision_tree = (
...     0.2, 'furry',
...         (0.81, 'fast',
...             (0.3,),
...             (0.2,),
...         ),
...         (0.1, 'fishy',
...             (0.3, 'freshwater',
...                  (0.01,),
...                  (0.01,),
...             ),
...             (0.1,),
...         ),
...     )
>>> beaver = ('furry', 'freshwater')
>>> cuteness(decision_tree, beaver)
0.032400000000000005

No, the real problem here is how to parse the input data to create the decision trees and feature sets. As you can see, though, the textual specification of a decision tree closely resembles a Python representation of that decision tree. Just add punctuation.

Specification Python
(0.2 furry
  (0.81 fast
    (0.3)
    (0.2)
  )
  (0.1 fishy
    (0.3 freshwater
      (0.01)
      (0.01)
    )
    (0.1)
  )
)
(0.2, 'furry',
  (0.81, 'fast',
    (0.3,),
    (0.2,),
  ),
  (0.1, 'fishy',
    (0.3, 'freshwater',
      (0.01,),
      (0.01,),
      ),
      (0.1,),
  ),
)

Rather than parse the decision tree definition by hand, why not tweak it so that it is a valid Python nested tuple? Then we can just let the Python interpreter eval the tuple and use it directly.

Eval

A program’s ability to read and execute source code at run-time is one of the things which makes dynamic languages dynamic. You can do it in C and C++  no, sneaking instructions past the end of a buffer doesn count. Should you do it in Python? Well, it won hurt to give it a try.

spec = '''\
(0.2 furry
  (0.81 fast
    (0.3)
    (0.2)
  )
  (0.1 fishy
    (0.3 freshwater
      (0.01)
      (0.01)
    )
    (0.1)
  )
)
'''

tuple_rep = re.sub(r'([\.\d]+|\))', r'\1,', spec)
tuple_rep = re.sub(r'([a-z]+)', r'"\1",', tuple_rep)
decision_tree = eval(tuple_rep)[0]

Here, we start with the input specification of the decision tree (imagine this has been read directly from standard input). The first regex substitution inserts commas after numbers, and right parentheses. The second substitution quotes and inserts a comma after feature strings. This turns the decision tree’s specification into a textual representation of a nested Python tuple. We then eval that tuple and assign the result to decision_tree — a Python decision tree we can go on and use in the rest of our program. And that’s the code jam challenge cracked, pretty much.

>>> from pprint import pprint
>>> pprint(decision_tree)
(0.2,
 'furry',
 (0.81, 'fast', (0.3,), (0.2,)),
 (0.1, 'fishy', (0.3, 'freshwater', (0.01,), (0.01,)), (0.1,)))

(Minor wrinkle: you’ll have spotted the final decision tree is the first element of the evaluated tuple. That’s because the regex substitution puts a trailing comma after the right parenthesis which closes the decision tree specification, which turns tuple_rep into a one-tuple. The single element contained in this one-tuple is what we need.)

Dynamic or hacky?

As you can see, it doesn’t take much code to pull the decision tree in ready for use. Python allows us to convert between text and code and to execute code within the current environment: you just need to keep a clear head and remember where you are. Regular expressions may not have the first class language support they enjoy in Perl and Ruby, but they are well supported, and the raw string syntax makes them more readable.

Certainly, this code snippet is easier to put together than a full blown parser, but I think it will take more than this to convince a C++ programmer that Python is a powerful language, rather than a dangerous tool for ingenious fools. It fails to convince me. I can’t remember ever using eval or exec in production code, where keeping a separation between layers is more important than speed of coding.

Jam to golf

Code Golf logo

That said, Python is a fine language for scripting, and speed of coding is what matters in this particular challenge. Just for fun, what if there were a prize for brevity? Then of course Perl would win!

Code Jam golf, by gnibbler, Stack Overflow
say("Case #$_:"),
$_=eval"''".'.<>'x<>,
s:[a-z]+:*(/ $&\\s/?:g,s/\)\s*\(/):/g,
eval"\$_=<>;say$_;"x<>for 1..<>

Note that this does more than simply parse a decision tree — it’s a complete solution to the code jam challenge, reading trees, features, calculating cutenesses, and producing output in the required format. Sadly that’s all I can say about it because the details of its operation are beyond me.

Code vs data

Using Python to dynamically execute code may not generally be needed or welcomed in Python production code, and over-reliance on the same trick risks reinforcing Perl’s “write only” reputation, but Python and Perl aren’t the only contenders. The equivalence of code and data marks Lisp’s apotheosis. Take a look at a Lisp solution to the challenge. This one is coded up in Arc.

(def r () (read))
(for i 1 (r)
  (prn "Case #" i ":")
  (r)
  (= z (r))
  (repeat (r)
    (r)
    (loop (= g (n-of (r) (r))
             c z
             p 1)
       c
       (= p (* (pop c) p)
          c (if (pos (pop c) g)
                (c 0)
                (cadr c))))
    (prn p)))

Which challenge does this solve?

I meant the code golf challenge, of solving the decision tree problem using the fewest keystrokes. At 154 characters this Arc program is nearly half as long again as the winning Perl entry, but it’s hardly flabby. What really impresses me, though, is that the code is (almost) as readable as it is succinct. It’s elegant code. The only real scars left by the battle for brevity are the one character variable names. Here’s the same code with improved variable names and some comments added. It’s the (read) calls which evaluate expressions on standard input. The (for ...) and (repeat ...) expressions operate as you might expect. The third looping construct, (loop ...) initialises, tests and proceeds, much like a C for loop.

(for i 1 (read)               ; Read N, # test cases, and loop
  (prn "Case #" i ":")

  (read)                      ; Skip L, # lines taken by decision tree
  (= dtree (read))            ; and read the tree in directly

  (repeat (read)              ; Repeat over A, # animals
    (read)                    ; Skip animal name
    ; Read in the animal's features and walk down the
    ; decision tree calculating p, the cuteness probability
    (loop (= features (n-of (read) (read))
             dt dtree
             p 1)
       dt
       (= p (* (pop dt) p)
          dt (if (pos (pop dt) features)
                (car dt)
                (cadr dt))))
    (prn p)))

You could argue the elegance of this solution is due to the fact the input comprises a sequence of tokens and S-expressions. If commas had been used to separate input elements and the text fields had been enclosed in quotes, then maybe a Python solution would have been equally clean. Or if the input had been in XML, then we’d be looking to a library rather than eval for parsing the input.

It’s a fair point, but the equivalence of code and data counts as Lisp’s biggest idea. Where Python’s eval is workable but rarely needed, Lisp’s (read) is fundamental.

Powerful language vs power user?

So, the most elegant answer to the code jam decision tree challenge would also be the quickest to write, and it would be written in Lisp. Did code jam champion, ACRush, submit a Lisp solution?

Absolutely not!

Another fundamental thing about Lisp is that it’s straightforward to parse. A C++ expert can knock up an input parser for decision trees and features to order. ACRush brushed this round aside with a perfect score, taking just 45 minutes to code up working C++ solutions to this question and two others. I’ve reproduced his solution to the decision tree challenge at the end of this article. It’s plain and direct. Given the time constraints, I think it exhibits astonishing fluency — the work of someone who can think in C++.

In this article we’ve encountered four programming languages:

  • Python
  • Perl
  • Lisp
  • C++

These languages are very different but they share features too. They are all mature, popular and well-supported[1]. Each is a powerful general purpose programming language. But ultimately, the power of the programmer is what matters.

Appendix A: First impressions of Arc

Here’s another revision of the Arc solution, this time decomposed into subfunctions. I found no complete formal documentation of Arc. You’ll have to read the source and follow the forum, and to actually run any code you’ll have to download a an old version of MzScheme. The official line is: by all means have a play, but expect things to change. That said, the language looks delightful, practical, and quite onion free. The tutorial made me smile. Recommended reading.

; The input is a sequence of valid Arc expressions.
; Create some read aliases to execute these.
(= skip read
   decision-tree read
   n-features read
   n-tests read
   n-animals read)

(def animal-features ()
     ; Get an animal's features
     (skip) ; animal name
     (n-of (n-features) (read)))

(def cuteness (dtree features)
     ; Calculate cuteness from a decision tree and feature set
     (= dt dtree
        p 1.0)
     (while dt
          (= p (* (pop dt) p)
             dt (if (pos (pop dt) features)
                (car dt)
                (cadr dt))))
     p)

; Loop through the tests, printing results
(for i 1 (n-tests)
     (prn "Case #" i ":")
     (skip) ; # lines the tree specification takes
     (= dtree (decision-tree))
     (repeat
         (n-animals)
         (prn (cuteness dtree (animal-features)))))

Appendix B: C++ solution

Here’s champion ACRush’s C++ solution. I’ve removed some general purpose macros from the top of the file. You can download the original here.

#include <set>
#include <string>
#include <vector>
#include <sstream>
#include <cstdio>
#include <cstdlib>

using namespace std;

vector<string> A;
vector<int> P;
set<string> M;

#define SIZE(X) ((int)(X.size()))

double solve(int H,int T)
{
    H++;T--;
    double p=atof(A[H].c_str());
    if (H==T) return p;
    if (M.find(A[H+1])!=M.end())
        return p*solve(H+2,P[H+2]);
    else
        return p*solve(P[T],T);
}
int main()
{
    freopen("A-large.in","r",stdin);freopen("A-large.out","w",stdout);
    int testcase;
    scanf("%d",&testcase);
    for (int caseId=1;caseId<=testcase;caseId++)
    {
        int nline;
        scanf("%d",&nline);
        A.clear();
        char str[1024];
        gets(str);
        for (int i=0;i<nline;i++)
        {
            gets(str);
            string s="";
            for (int k=0;str[k];k++)
                if (str[k]=='(' || str[k]==')')
                    s+=" "+string(1,str[k])+" ";
                else
                    s+=str[k];
            istringstream sin(s);
            for (;sin>>s;A.push_back(s));
        }
        P.resize(SIZE(A),-1);
        vector<int> stack;
        for (int i=0;i<SIZE(A);i++)
            if (A[i]=="(")
                stack.push_back(i);
            else if (A[i]==")")
            {
                int p=stack[SIZE(stack)-1];
                P[i]=p;
                P[p]=i;
                stack.pop_back();
            }
        int cnt;
        printf("Case #%d:\n",caseId);
        for (scanf("%d",&cnt);cnt>0;cnt--)
        {
            scanf("%s",str);
            M.clear();
            int length;
            for (scanf("%d",&length);length>0;length--)
            {
                scanf("%s",str);
                M.insert(str);
            }
            double r=solve(0,SIZE(A)-1);
            printf("%.12lf\n",r);
        }
    }
    return 0;
}

Appendix C: A Python Solution

import re
from itertools import islice

def cuteness(decision_tree, features):
    p = decision_tree[0]
    if len(decision_tree) > 1:
        _, feat, lt, rt = decision_tree
        p *= cuteness(lt if feat in features else rt, features)
    return p

def read_decision_tree(spec):
    tuple_rep = re.sub(r'([\.\d]+|\))', r'\1,', spec)
    tuple_rep = re.sub(r'([a-z]+)', r'"\1",', tuple_rep)
    return eval(tuple_rep)[0]

def take_lines(lines, n):
    return ''.join(islice(lines, n))

def main(fp):
    lines = iter(fp)
    n_tests = int(next(lines))
    for tc in range(1, n_tests + 1):
        print("Case #%d:" % tc)
        tree_spec = take_lines(lines, int(next(lines)))
        dtree = read_decision_tree(tree_spec)
        n_animals = int(next(lines))
        for line in islice(lines, n_animals):
            features = set(line.split()[2:])
            print(cuteness(dtree, features))

import sys
main(sys.stdin)

  • Share/Bookmark
 

Scratch: A Programming Language For Kids

28 Jan

January 27, 2010

mit media lab scratch psfk

The MIT Media Lab has developed a programming language simple enough for children to use.

With the goal of teaching kids to understand how technology works, Scratch allows users to program through visual elements.

The National Science Foundation explains:

In Scratch, coding is done with graphical blocks, not with syntax and those semicolons. A student writes code by snapping together blocks, much like LEGO bricks or pieces of a puzzle. Additionally, the blocks are designed to fit only in ways that make syntactic sense. This eliminates the dreaded syntax errors that often frustrate and discourage young computer programmers. To create a program, students drag-and-drop the blocks to create procedures.

Courtesy: http://www.psfk.com/2010/01/scratch-a-programming-language-for-kids.html

  • Share/Bookmark
 

A Bid to Recapture the Magic, and a Dose of Reality

28 Jan

Amanda Lucidon for The New York Times

Vice President Joseph R. Biden Jr., left, with the Senate majority leader, Harry Reid. President Obama will need help from both to move forward with his agenda. More Photos >

Published: January 27, 2010

WASHINGTON — By now, President Obama can hardly be under any illusions about the depth of the partisan divide as he seeks to reboot his presidency. Yet he still seemed surprised on Wednesday night when he could not get Republicans to applaud tax cuts.

As he boasted in his first State of the Union address that his economic program had cut taxes for 95 percent of working families, Democrats jumped to their feet to cheer. Republicans sat quietly. Mr. Obama paused as he glanced over to their side of the House chamber. “I thought I’d get some applause on that one,” he said.

If Mr. Obama thought he could take the rostrum in the House chamber and restore his image as the change agent who came to Washington to end the politics of division, he received another reminder just how hard that will be. Mr. Obama tried to recapture the magic of his yes-we-can campaign after a season of no-we-can’t governing, but conceded little if any ground to critics on either the right or the left.

It was a confident performance, more defiant than contrite, more conversational than soaring. He appealed to and scolded both parties, threatened vetoes, blamed his predecessor and poked fun at lawmakers. The agenda was largely the same, dressed up in fresh packaging, as he offered point-by-point rebuttals to the litany of critiques he hears with increasing frequency. He acknowledged only a failure to explain his policies without retreating an inch on the policies themselves. His main message: “I don’t quit.”

In the wake of last week’s Republican victory in the special election for a Massachusetts Senate seat, Mr. Obama had to tackle head-on the disappointment that has dragged down his poll numbers. He pleaded for patience and understanding. “I campaigned on the promise of change; ‘change we can believe in,’ the slogan went,” he said toward the end of the address. “And right now, I know there are many Americans who aren’t sure if they still believe we can change — or that I can deliver it.

“But, remember this,” he went on. “I never suggested that change would be easy, or that I can do it alone. Democracy in a nation of 300 million people can be noisy and messy and complicated. And when you try to do big things and make big changes, it stirs passions and controversy. That’s just how it is.”

After a year of learning just how it is, Mr. Obama adopted again the mantle of reformer he wore the first time he addressed Congress as president a year ago. He even used the same phrase, “deficit of trust,” to describe his diagnosis, and he proposed some of the same medicine in the form of cracking down on lobbyists and special-interest spending.

But he is not in the same place he was a year ago and he gave little indication how he would change the dynamics that have frustrated much of his agenda so far. After all, when he addressed Congress last year, his strategists were developing a big-bang plan to move ahead on multiple fronts.

By the end of his first year in office, they had expected to have overhauled the health care system, enacted a market-based cap on carbon emissions blamed for climate change, imposed a new regulatory system on financial institutions, closed the prison at Guantánamo Bay, Cuba, and signed a new arms control treaty with Russia. None of those have happened, and while some of the proposals quite plausibly still could, Mr. Obama left unclear his strategy for getting there.

Instead, he expressed the frustration common in the White House these days: that he has not gotten more credit for the successes he has had, particularly in pulling the economy back from the brink of a new Great Depression.

That was where the tax cuts came in. While the economic stimulus package Mr. Obama pushed through Congress last year is known largely for its spending, he pointed out that it also included a variety of tax cuts, and then repeated it in case anyone missed it. The Republicans who chose not to applaud have argued that the tax cuts were simply accompanied by too much spending.

In fact, when it comes to his program, the narrative of too much was the major notion Mr. Obama was trying to dispel. Gov. Robert F. McDonnell, the newly inaugurated Republican leader in Virginia, emphasized the point in his official response to the president’s speech. “Today, the federal government is simply trying to do too much,” Mr. McDonnell said.

In the face of that judgment, shared not just by Republicans these days, Mr. Obama could have pulled back but chose to push forward. To those who said his ideas have been too ambitious, he said: “I have one simple question: How long should we wait? How long should America put its future on hold?”

The truth is, Mr. Obama is still trying to figure that out for himself. Since the Massachusetts election cost the Democrats unilateral control of the Senate, the president and his advisers have been grappling for a plan to move forward on his agenda. Some things inevitably will have to wait, and Mr. Obama’s plans since last week have been a work in progress.

The day after last week’s election, he suggested returning to the “core elements” of health care, only to have aides hours later try to walk back the statement and insist he did not necessarily mean he wanted a scaled-back plan.

Even on Wednesday, the plans seemed fluid, literally changing even in the final hours, either in substance or in presentation. When aides previewed the speech for reporters in midafternoon, they said Mr. Obama’s plan to spur lending to small businesses would draw $25 billion from repaid bailout loans. By the time he spoke in the House chamber six hours later, the amount had increased to $30 billion.

Such differences might have meant little to viewers trying to gauge whether the Mr. Obama they were watching was the same Mr. Obama they voted for. “I never thought the mere fact of my election would usher in peace, harmony and some post-partisan era,” he said.

On that, pretty much everyone could agree.

Courtesy: http://www.nytimes.com

  • Share/Bookmark
 
 

How to Make Real Money Online

27 Jan

Guest Post by Osita Modozie The one major way which people use to make real money online is through the promotion of affiliate programs. There are other ways like forex trading, stocking trading, blogging with ads placed on your blogsite used to earn money online, but my favorite method is the use of affiliate programs. I will start by defining what an affiliate program is all about.

Affiliate program is the method of promoting the products of other people in return for a percentage of all sales generated by the referrer. There are also affiliate programs by leads, impression and clicks. If you want to make money online using affiliate program, you will need two essential elements. They are an affiliate company and marketing methods. We have many affiliate companies which can be found on the internet. Some of them are clickbank, amazon, associate program, commission junction, shareasale, linkshare, moreniche, cashburners and the rest of other small affiliate programs. Affiliate programs have their respective payment methods namely check, direct deposit, paypal, epassporte, wire transfer etc. You can find the ones that pay weekly, bi-weekly and monthly. During their payment period, you will be paid for your previous period earnings. They may also be minimum payout plans which are usually $20 to $100 for checks and direct deposit and $500 or more for wire transfer. If you did not reach your payment threshold for a particular pay period, it may be carried on to the next payment period. When you must have selected the affiliate program you want promote, you will need marketing strategy in order to make real money out of it online.

We have some methods used to promote affiliate programs, some of them are article marketing, blogging, search engine optimization using a website, social bookmarking, social networking, press release, link exchange, banner exchange, forum advertising, classified advertising and the rest of other methods. The best way to get the most from affiliate marketing is through the use of targeted advertising. You will save money using targeted advertising and also make money through this means. It is because you are showing your visitors what they are actually looking for. It is like showing him/her the solution to his/her problem. Under affiliate program which is used to make real money online, there is also what we call keyword research. Keyword research is an essential part of affiliate marketing. By doing keyword research, you will be able to find what people are searching for. Doing keyword research will also help you to uncover profitable programs.

Affiliate program is very competitive. Due to the economic recession, many people are searching for a way to make easy money online after they must have lost their offline jobs. One thing you will need to conquer in affiliate program is competition. Just as education is required in virtually all sectors of job, you will need to learn a lot about affiliate program in order to get the most from it. You can start by following the guides of experts that have already made it big in this field. An example is to get an affiliate marketing source. It will help persons who want to succeed in affiliate program, especially beginners. It will show you the complete step by step method you require to make real money online using affiliate program.

Author Bio: I highly recommend you to get The Affiliate Code. It contains the step by step methods you require to successfully make real money online. It talks about the easy strategy used to make money online using affiliate programs. If you want to get real money online, then you should get this affiliate marketing course.

MS

  • Share/Bookmark
 

A Guide to the Virtual Prepaid Credit Card

27 Jan

  • Share/Bookmark
 

10 ways to simplify your financial life

22 Jan

Expert marketer Liz Tomey takes you from A-Z and shows you how to use niche marketing to start your own digital product business.

2CheckOut.com Inc. (Ohio, USA) is an authorized retailer for goods and services provided by TM.

Seven of the most popular ways to make money online are described below.

With a little upfront effort, you can streamline how you bank, pay bills and track your money. Now is a good time to set up a financial system that will pay off all year long.

By Liz Pulliam WestonIt’s not your imagination. Managing your money is getting harder.

You have to make a lot more decisions than folks did a generation or two ago.

Instead of one health plan, you may need to choose from half a dozen — if you can afford coverage at all. Instead of an employer-provided traditional pension, you have to manage your own 401(k) and figure out not only how much to save but how to invest — without losing it all.

Instead of a single credit card with a relatively low rate — all that was available to most households in the 1970s — you probably have a wallet full of options, all with different rates, terms and due dates to monitor.

Fortunately, technology is riding to the rescue. Used properly, it can help you stay on top of your money with minimal effort. These tips from my book “Easy Money: How to Simplify Your Finances and Get What You Want Out of Life” should help you streamline your financial life:

Simplify and de-clutter

Use direct deposit. This should be a no-brainer, but many people who are eligible for direct deposit of their paychecks don’t ever sign up. Perhaps it’s an irrational fear of electronic transactions holding them back, but they should get over it. Direct deposit is easier, faster and safer than running around with a live check in your wallet.Get true overdraft protection. Real overdraft protection links your checking account to a savings account, line of credit or credit card. Money is drawn from one of these sources if you write a check or initiate a debit card transaction for more than you have in your account. The annual cost is reasonable — $20 to $50 is typical — and you may pay another small fee anytime you use the overdraft.

What you don’t want is “courtesy overdraft” or “bounce protection” that many banks and credit unions automatically offer their customers. That “service” can cost you $30 to $40 every time you make an over-limit transaction, and those fees can add up quickly. One reader racked up more than $200 in bounce fees buying songs for her MP3 player; each 99-cent tune triggered a $30 fee. Read “Never pay another bounced-check fee” for more details on how your bank profits from bounce protection.Consolidate your accounts. Clutter isn’t limited to the tangible stuff in your home. You also can create financial clutter when you have accounts all over the place. Too many accounts make it harder for you to adequately monitor your money, and you may pay more account fees than if you were able to maintain higher balances in fewer accounts.

For example, you could:

  • Roll 401(k)s from previous employers into your current plan or into an individual retirement account (IRA).
  • Combine IRAs as long as they’re the same kind and they’re all yours. You can’t combine yours with a spouse’s, for example, or combine regular IRAs with Roth IRAs — at least not without serious financial consequences.
  • Combine taxable brokerage accounts. If you have different goals for the various accounts you have now, you could consider maintaining separate accounts but at least consolidating them with the same brokerage house.
  • Trim your credit cards. The more cards you use, the more due dates and interest rates you’re forced to monitor. If you pay off your balances in full, consider carrying just one card in your wallet, with another at home as a backup. If you’re carrying credit card debt, consider leaving all your cards at home. Don’t close accounts, since that could hurt your credit scores, but stop using them until you’ve retired your debt. (See “Your 5-minute guide to credit cards” for more.)

Consider two checking accounts. Consolidation isn’t always best. If you have trouble figuring out how much money you can spend and how much needs to be reserved for bills, consider the two-account system adopted by several people who post on the Your Money message board.

These folks typically have their paychecks deposited to a checking account at a brick-and-mortar bank — often one that offers free checking if you use direct deposit. They have a second checking account they use to pay bills. If they can’t get the second account free from their bank, or their bank doesn’t have free online bill pay, they use an online bank, such as ING Direct, that offers fee-free checking and bill-pay services.

Video on MSN Money

Liz Pulliam Weston
How to de-clutter your finances
MSN Money’s Liz Pulliam Weston shares four of her favorite steps: direct deposit, account consolidation, true overdraft protection and e-mail alerts.

Next, they total all their bills for the year, using the previous year’s bills as a guide, and divide the result by the number of paychecks they get each year. They set up automatic transfers so that this sum is whisked every payday to the second account.Some go further by setting up automatic payments for most or all of their bills. Others prefer to control when bills get paid using the online bill-pay system that comes with their second account.

This two-account system takes a little effort to set up and monitor, but done right you’ll eliminate uncertainty about whether you can cover your bills. What’s left in the first account is the cash that’s available for spending on clothes, eating out, etc.

Continued: A schedule for success

A schedule for success

Set up a high-yield savings account. Saving for retirement and paying off credit card debt need to be the first and second priorities for most folks. Once you’re on track there, though, you should consider building up an emergency fund, and today’s high-rate online savings accounts can help you accomplish that. Accounts offered by ING Direct, Emigrant Direct and HSBC Direct, among others, are FDIC-insured and offer attractive rates. They typically link directly to your checking account at your brick-and-mortar bank. Set up automatic transfers so you don’t have to think about saving — you just do it.Create alerts. Banks, brokerages and credit card companies will send you e-mails to alert you to all kinds of events: when your checking account drops below a certain level, for example, or when your credit card payment is due. Get online access to your accounts and explore the possibilities.

Move your due dates. If you have too many bills falling due at the same time, see if you can shift some to another time of the month. Many credit card companies, for example, will allow you to pick your own due dates.

Create a bill calendar. Even if you have e-mail alerts, you still should have all of your bills’ due dates mapped out on a calendar. This can be a calendar on the wall, on your desktop or on your phone. The only requirement is that it be a calendar you look at daily. You’re responsible for paying your bills even if you don’t receive a statement, and this calendar can help make sure you don’t wind up paying unnecessary late fees or inadvertently ruining your credit. (A single skipped payment on a credit account can knock nearly 100 points off your credit scores.)Pick the no-brainer options. If you really love picking individual stocks or researching the heck out of your mutual fund choices, be my guest. If you want an easier route, though, seek out funds that do the heavy lifting for you. “Life cycle” and “target date maturity” funds not only choose the investments but re-balance them regularly so you don’t have to mess with figuring out how much of your 401(k) to put in stocks and how much in bonds.

Don’t procrastinate — aggregate

Monitor your money. People who wait for their statements to arrive in the mail typically catch fraud later than those who monitor their accounts online, according to Javelin Research & Strategy, an online research firm. Real-time access to your accounts can help you prevent overdrafts and over-limit fees, too. You can try bouncing from site to site to check all your accounts, but you have better options.Your bank may offer account aggregation, which allows you to view accounts held at other institutions. If you’re comfortable having your transactions aggregated online, you can use sites such as Wesabe, Mint and Yodlee.

Video on MSN Money

Liz Pulliam Weston
How to de-clutter your finances
MSN Money’s Liz Pulliam Weston shares four of her favorite steps: direct deposit, account consolidation, true overdraft protection and e-mail alerts.

Personally, I prefer personal-finance software programs like Microsoft Money and Quicken. These programs, which live on your computer rather than online, allow you to automatically download transactions and keep track of your finances while providing some powerful financial-planning software. Recent updates have vastly improved cash-flow-forecast features, which can show you in advance when your checking account is about to run on fumes. (Microsoft is the publisher of MSN Money.)Each of these 10 options requires some upfront effort on your part, but after your systems are in place you’ll be able to stay on top of your money in just a few minutes a week. If that isn’t a worthwhile goal, I don’t know what is.

http://articles.moneycentral.msn.com/Banking/BetterBanking/10WaysToSimplifyYourLifeIn2008.aspx?page=all

  • Share/Bookmark
 

10 things your bank will not tell you

22 Jan

Expert marketer Liz Tomey takes you from A-Z and shows you how to use niche marketing to start your own digital product business.

2CheckOut.com Inc. (Ohio, USA) is an authorized retailer for goods and services provided by TM.

1. “Our branches are there to sell you, not serve you.”

In the late 1990s, bank branches were considered outmoded relics soon to be replaced by ATMs and Internet banking. But just the opposite happened. In 1998, there were 89,000 bank branches in the U.S., and by 2007, there were 97,000.

Why? The industry realized that consumer banking is profitable and that despite the predictions of Silicon Valley wonks, the main criterion consumers use in choosing a bank is proximity, SNL Financial analyst Jennifer Payne says.

But branches aren’t just about convenience; they’re a bank’s primary sales floor. Brochures for services as varied as retirement accounts and home loans are on display, and everyone from the teller on up is trained to make a sale. That’s because in the current low-interest-rate climate, it’s harder to generate revenue from interest alone.

Many players in the industry have been trying to boost fee- and service-based income, so if a teller sees you have a mortgage, he might suggest you meet with a loan officer to discuss a home-equity loan. Greg McBride, a senior financial analyst at Bankrate.com, says, “The more products a customer has with a bank, the more likely he is to stay with that bank.”

2. “Our fees will only go up.”

With the economy in a slump and big losses crippling in the mortgage market, banks are looking for reliable revenue streams. Hence punitive fees — for overdrawing your account, say, or using a competitor’s ATM — are increasing. The average ATM service charge doubled between 1998 and 2007, and overdraft fees brought in $17.5 billion in revenue in 2006, up from $10.3 billion in 2004, according to the Center for Responsible Lending.

Rubecca Hegarty, a married mother of three in Woodridge, Ill., says she often pays upward of $100 a month in overdraft fees to JPMorgan Chase because, like most banks, it changes the order of purchases so that large debts get paid first, increasing the likelihood that customers will incur fees on smaller purchases. Chase says it does this because big payments like a mortgage are more important to consumers and so get priority.

More from MSN Money and SmartMoney

Revenue from penalties can be addictive for banks, Harvard Business School professor Gail McGovern says, but “they’re going to face problems from angry customers, which leads to big call-center bills, employee dissatisfaction and turnover.”

Indeed, that anger has reached the ear of federal lawmakers. Starting in July 2010, sweeping consumer protections will rein in many of the banking industry’s most controversial practices.

3. “We change our interest rates all the time.”

Regardless of what your credit card agreement says, you can never be sure how much interest banks will charge you. For example, nearly all cards have a default rate — as high as 30% — which banks apply when you’ve done something wrong, usually after two late payments in 12 months. But some banks have cut that to one late payment, says Curtis Arnold, the founder of CardRatings.com.

Banks can also change the terms of your agreement, raising rates when they like (though you can opt out and pay off the balance at the old rate as long as you never use the card again). Bank of America did that recently, upping many cardholders’ rates from 10% or 12% to 27% or more, even though they’d done nothing wrong.

Video on MSN Money

Everyone needs an emergency fund
It’s a stash of cash, but how much do you need? And why should this take priority over other savings goals?

“There’s no clarity on what criteria can lead a bank to raise interest rates,” says Robert Manning, the director of the Center for Consumer Financial Services at the Rochester Institute of Technology. “It’s a black box.”

A Bank of America representative says the company periodically reviews the credit risk of its accounts and adjusts rates accordingly, adding that in the past year 94% have had no increase.

4. “College campuses are gold mines for us.”

Students are the customers of the future, and banks are increasingly courting them, often right on campus. More than 120 universities have cut deals with banks to issue student ID cards that are also ATM and check cards. Schools can make millions from these deals, sometimes even taking a small cut of individual purchases.

Students are also a hot market for credit card issuers, and banks will make private deals with alumni associations to get contact information for students, parents and even people buying tickets to university athletic events. Card companies cut deals to set up booths on campus.

The problem? Mounting credit card debt among college kids, for one.

“Universities don’t negotiate on behalf of students,” Manning says. “They’re negotiating the best deal for the university.”

A representative for the National Association of Independent Colleges and Universities says not to blame schools, as banks would market to students anyway, and universities at least try to get the best rates they can for students.

5. “In debt? The courts won’t help.”

Since the late 1990s, banks have been including mandatory-arbitration agreements in their contracts for many of their products, including auto loans, checking accounts, home-equity loans and credit cards. Such agreements prohibit you from suing and instead require you to use an arbitrator — someone picked by the arbitration firm named in your card contract to hear the dispute and decide the outcome.

Though these clauses were originally designed to thwart class-action suits, the banks have also been using them for debt collection, says Paul Bland, an attorney with consumer-advocacy group Public Justice. There are even times when consumers, often victims of identity theft and unaware of the debt, aren’t present when awards are handed down against them.

A recent suit against an arbitration firm brought by the San Francisco city attorney noted that arbitrators ruled in favor of banks in 100% of the 18,045 California cases brought against consumers from January 2003 through March 2007.

More from MSN Money and SmartMoney

“From the consumer perspective, it’s a nightmare,” Bland says. If a bank brings arbitration against you, hire a lawyer and request a hearing in person.

6. “We’re excited about your trip to Europe, too!”

It’s bad enough that the dollar has struggled in recent years against most major currencies, but when you travel overseas, every transaction comes with big fees attached. Take out cash from an ATM in London, and you’ll get hit with a foreign-transaction fee, plus a fee for using a competitor’s ATM. All told, it can cost up to $7 just to withdraw $200.

Video on MSN Money

Everyone needs an emergency fund
It’s a stash of cash, but how much do you need? And why should this take priority over other savings goals?

Credit card purchases aren’t much better. Visa and MasterCard charge 1% of the purchase price for converting currency. And the issuing banks may take another cut, which can bring the total to 3% of your purchase price, says CardRatings.com’s Arnold. “If people don’t travel overseas very often, they just don’t think about it,” he says.

The best thing to do is determine which of your cards charges the lowest overseas-transaction fee. For people who travel a lot, Arnold recommends a Capital One credit card, which charges no overseas-transaction fees (and even declines to pass on Visa and MasterCard’s 1% fee to customers).

Also, ask your bank about partnerships with foreign banks. Bank of America, for example, partners with Barclays Bank, saving its customers $5 per withdrawal from Barclays’ ATMs in the United Kingdom.

7. “For all the fine print, we don’t disclose very much.”

Bank documents come loaded with small type detailing terms and conditions. But good luck finding out exactly what you’re signing up for when you open an account.

In 2007, the Government Accountability Office sent investigators to see how well banks explained their fees and other conditions to potential customers. Though banks are required by law to make this information available, the GAO said one-third of the branches it surveyed didn’t provide the required information. Worse, more than half didn’t have any fee information on their Web sites.

Nessa Feddis, a senior counsel at the American Bankers Association, questions the report’s methods — banks failed the test if investigators waited more than 10 minutes for the information — and defends the lack of data online. Banks are afraid of leaving old, inaccurate information on their sites if terms change, she says. But without details on fees, consumers can’t make informed choices.

“Banks are not complying with the law,” says Ed Mierzwinski, the consumer program director with the U.S. Public Interest Research Group. “People need more information so they can shop around for the best deal.”

8. “Your money might be better off elsewhere.”

Banks offer lots of ways to earn interest on your money. Among them are simple savings accounts, certificates of deposit, money market accounts and individual retirement accounts. But they don’t always yield the best return. The average savings account, for example, pays about 0.5% interest. But even in this low-interest-rate climate, you can do better — 3% or more — if you shop around.

“It pays to be a free agent,” says Bankrate.com’s McBride. “There is tremendous disparity in the returns available.”

Banks have been expanding into other financial services for a decade or more, including comprehensive wealth management and financial planning, brokerage services and even insurance. The well-off who use these services are a bank’s most profitable customers, as they keep the highest balances and are least sensitive to fees, says Maryann Johnson, the senior vice president of wealth market management at the bankers association.

That’s something to remember when you talk to a bank’s investment advisers: Many are paid a commission on investment products, says certified financial planner Craig DuVarney, meaning they often go for the easy sales.

“They don’t have the harder discussion about estate planning, tax bracket and liquidity,” DuVarney says.

Johnson sees it differently. She says that banks take a more holistic approach and that their wealth managers serve much the same purpose as financial advisers, with bonuses not only for sales but also for dollars invested, new clients and even customer retention.

More from MSN Money and SmartMoney

9. “When it comes to banks, smaller is sometimes better.”

Banks have been consolidating like crazy over the past decade. In 1990, the top 10 banks controlled 25% of the market; now they have half. This gives customers of large banks vast networks of free ATMs and branches across the country. And in the current financial crisis, a tide of failing banks has led to even-greater consolidation among the industry’s biggest players.

Despite the conveniences of a broader network, such consolidation hasn’t been entirely good for consumers, says Arthur E. Wilmarth Jr., a professor at George Washington University Law School. Though big banks may have more to offer, those conveniences can come at a price: high fees. In 2006, the 10 largest banks generated 54% of revenue from fees and service charges. By contrast, the 10 smallest banks generated just 28% from those sources.

Video on MSN Money

Everyone needs an emergency fund
It’s a stash of cash, but how much do you need? And why should this take priority over other savings goals?

Not only do big banks bring in more fee income, but they also pay out less interest. According to Federal Deposit Insurance Corp. data, smaller banks generally pay higher interest on savings accounts and other products. For example, in 2006, the 10 largest banks paid an average 1.87% in interest for savings accounts, while the smallest banks paid 4.37%.

“The largest banks are no longer worried about being undercut on price,” Wilmarth says.

10. “Your online account information isn’t necessarily accurate.”

Online banking has changed the way people handle their finances. They can pay bills online, transfer funds, track payments and get a more detailed view of their bank accounts than ever before. Unfortunately, it may not always show the proper balance.

With electronic transactions, ATMs, check cards and direct deposits, banking has gotten more complicated. ATMs and online bank statements will show deposits available before the money is actually in your account. Using your debit card at a gas station or to reserve a hotel room, for example, can put a hold on funds. Some merchants may be slow to send in charges. And banks can sit on deposits, so an out-of-state check may take up to five days or longer to clear.

Add to that the constant reordering of debits, and your account balance can quickly become a moving target that’s hard to track accurately day to day.

“Banks use different algorithms to process payments than what you see online,” Harvard’s McGovern says. “It gives you a false sense of security.”

-Courtesy SmartMoney

  • Share/Bookmark
 

Asthma Thing

20 Jan

Asthma

Example:

Medical Authors: Alan Szeftel, MD, FCCP, and George Schiffman, MD, FCCP
Medical Editor: William C. Shiel Jr., MD, FACP, FACR

What do each of these individuals have in common: First, an 18-year-old suddenly develops wheezing and shortness of breath when visiting his grandmother who happens to have a cat. Second, a 30-year-old woman has colds that “always go into her chest,” causing coughing and difficulty breathing. Lastly, a 60-year-old man develops shortness of breath with only slight exertion even though he has never smoked. The answer is that they all have asthma. These are some of the many faces of asthma.

Most researchers believe that the different patterns of asthma are all related to one condition. But some researchers feel that separate forms of lung conditions exist. There is currently no cure for asthma and no single exact cause has been identified. Therefore, understanding the changes that occur in asthma, how it makes you feel, and how it can behave over time is vital. This knowledge can empower people with asthma to take an active role in your own health.

Doctor to Patient

Exercise Preventing Asthma?

Medical Author: Alan Szeftel, MD, FCCP
Medical Editor: William C. Shiel, Jr., MD, FACP, FACR

Learn how exercise may prevent asthma.On many occasions, patients have asked me whether exercise will help prevent asthma. This issue is receiving more attention in light of the global increase in the prevalence and severity of asthma and the ongoing efforts to explain this phenomenon. Could a change in lifestyle somehow be responsible for this trend in asthma? Scientists who work in this area have pointed out several childhood developmental and lifestyle differences during the past 40 years.

Let us go back in our minds to the 1960s. It is late afternoon and school is out. Little Johnny and Jane come racing through the back door to find mom greeting them with a glass of milk and a sandwich or an apple. The kids eat their snack and are soon in the neighborhood yard with their friends, playing ball or climbing trees. Now, let us fast forward to the 21st century, where Jason and Jessica let themselves in the house because their parents are not home from work yet. They drop their backpacks on the floor, walk straight to the kitchen, and grab cookies or a bag of potato chips and a soda. They then collapse on the couch, switch on the TV, and vegetate. They may remain there until bedtime, fitting in homework during the commercials. If their favorite programs are not on, some kids settle in front of the computer, surfing the Internet, or playing video games.

Asthma Resources from Medscape and eMedicine

Doctor to Patient

Myths, facts, and statistics about asthma

Before we present the typical symptoms of asthma, we should dispel some common myths about this condition. This is best achieved by conducting a short true or false quiz.

  1. T or F -- Asthma is “all in the mind.”
  2. T or F -- You will “grow out of it.”
  3. T or F -- Asthma can be cured, so it is not serious and nobody dies from it.
  4. T or F -- You are likely to develop asthma if someone in your family has it.
  5. T or F -- You can “catch” asthma from someone else who has it.
  6. T or F -- Moving to a different location, such as the desert, can cure asthma.
  7. T or F -- People with asthma should not exercise.
  8. T or F -- Asthma does not require medical treatment.
  9. T or F -- Medications used to treat asthma are habit-forming.
  10. T or F -- Someone with asthma can provoke episodes anytime they want in order to get attention.

Here are the answers:

  1. F -- Asthma is not a psychological condition. However, emotional triggers can cause flare-ups.
  2. F -- You cannot outgrow asthma. In about 50% of children with asthma, the condition may become inactive in the teenage years. The symptoms, however, may reoccur anytime in adulthood.
  3. F -- There is no cure for asthma, but the disease can be controlled in most patients with good medical care. The condition should be taken seriously, since uncontrolled asthma may result in emergency hospitalization and possible death.
  4. T -- You have a 6% chance of having asthma if neither parent has the condition, a 30% chance if one parent has it, and a 70% chance if both parents have it.
  5. F -- Asthma is not contagious.
  6. F -- A new environment may temporarily improve asthma symptoms, but it will not cure asthma. After a few years in the new location, many people become sensitized to the new environment and the asthma symptoms return with the same or even greater intensity than before.
  7. F -- Swimming is an optimal exercise for those with asthma. On the other hand, exercising in dry, cold air may be a trigger for asthma in some people.
  8. F -- Asthma is best controlled by having an asthma management plan designed by your doctor that includes the medications used for quick relief and those used as controllers.
  9. F -- Asthma medications are not addictive.
  10. F -- Asthma attacks cannot be faked. In rare cases, there is a psychological condition known by a variety of names (factious asthma, spastic dysphonia, globus hystericus) where emotional issues may cause symptoms that mimic the symptoms of asthma.

  • Share/Bookmark
 
 

You Saw What in Avatar Pass Those Glasses!

20 Jan

Agence France-Presse – Getty Images


If you thought that “Avatar” was just a high-tech movie about a big-hearted tough guy saving the beguiling natives of a distant moon, you might want to check the prescription on your 3-D glasses.



Advertisements for “Avatar” and a state-backed biography of Confucius in Beijing.

Since its release in December, James Cameron’s science-fiction epic has broken box office records and grabbed two Golden Globe awards for best director and best dramatic motion picture. But it has also found itself under fire from a growing list of interest groups, schools of thought and entire nations that have protested its message (as they see it), its morals (as they interpret them) and its philosophy (assuming it has one).

Over the last month, it has been criticized by social and political conservatives who bristle at its depictions of religion and the use of military force; feminists who feel that the male avatar bodies are stronger and more muscular than their female counterparts; antismoking advocates who object to a character who lights up cigarettes; not to mention fans of Soviet-era Russian science fiction; the Chinese; and the Vatican. This week the authorities in China announced that the 2-D version of the film would be pulled from most theaters there to make way for a biography of Confucius.

That so many groups have projected their issues onto “Avatar” suggests that it has burrowed into the cultural consciousness in a way that even its immodest director could not have anticipated. Its detractors agree that it is more than a humans-in-space odyssey — even if they do not agree on why that is so.

“Some of the ways people are reading it are significant of Cameron’s intent, and some are just by-products of what people are thinking about,” said Rebecca Keegan, the author of “The Futurist: The Life and Films of James Cameron.” “It’s really become this Rorschach test for your personal interests and anxieties.”

The “Avatar” camp isn’t endorsing any particular interpretation, but is happy to let others read the ink blots. “Movies that work are movies that have themes that are bigger than their genre,” Jon Landau, a producer of the film, said in a telephone interview. “The theme is what you leave with and you leave the plot at the theater.”

Mr. Cameron might have opened the door to multiple readings with his declaration that “Avatar” was an environmental parable. In a news conference in London in December, he said he saw the movie “as a broader metaphor, not so intensely politicized as some would make it, but rather that’s how we treat the natural world as well.”

In a column for the Christian entertainment Web site movieguide.com, David Outten wrote that “Avatar” maligned capitalism, promoted animism over monotheism and overdramatized the possibility of environmental catastrophe on earth. At another site that offers a conservative critique of the entertainment industry, bighollywood.breitbart.com, John Nolte wrote that the film was “a thinly disguised, heavy-handed and simplistic sci-fi fantasy/allegory critical of America from our founding straight through to the Iraq War.”

Not surprisingly, the religious overtones of “Avatar” were of interest in Vatican City, where the film was reviewed by Gaetano Vallini, a cultural critic for L’Osservatore Romano, the daily newspaper of the Holy See.

In his review, Mr. Vallini wrote that for all of the “stupefying, enchanting technology” in the film, it “gets bogged down by a spiritualism linked to the worship of nature.”

In a telephone interview, Mr. Vallini said his widely reported review might have been overemphasized because of the publication it appeared in. His assignment to write about “Avatar” was not an attempt to advance a particular agenda, he said, but rather “a compulsory choice” given the anticipation surrounding the film.

Ultimately, Mr. Vallini said, “the movie doesn’t provoke many emotions,” and its observations about militarism, imperialism and the environment “are just sketched out as themes.”

“It is Cameron’s narrative choice,” he continued, “as he is aware of the fact that the visual aspect widely compensates for this lack.”

Other viewers say that issues of imperialism are central to the film. In a post on the science-fiction Web site io9.com, Annalee Newitz, the site’s editor in chief, wrote that “Avatar” depicted “the essence of the white guilt fantasy, laid bare,” a dimension she said it shared with movies from “The Last Samurai” to “District 9.” (Critics have also said that “Avatar” copied story elements from the movies “Dances With Wolves,” “Pocahontas” and “Ferngully: The Last Rainforest”; the Poul Anderson novella “Call Me Joe”; and the “Noon Universe” book series by the Russian authors Arkady and Boris Strugatsky.)

In movies like “Avatar,” Ms. Newitz wrote, “humans are the cause of alien oppression and distress,” until a white man “switches sides at the last minute, assimilating into the alien culture and becoming its savior.”

Ms. Newitz said in an interview that since publishing that post, she had heard from readers around the world who disagreed with her interpretation, which she appreciated. “Just the idea of whiteness is a local phenomenon,” she said. “It’s certainly not in parts of the world where white people are not dominant.”

In China, for example, the film’s imperialist themes have upset audiences who believe that the plight of the aliens, the Na’vi, who are forced from their home by human industrialists, is a parable for Chinese people whose dwellings have been forcibly razed by local governments to make way for new construction. As one pseudonymous commenter quoted on Chinasmack.com wrote: “China’s demolition crews must go sue Old Cameron, sue him for piracy/copyright infringement.”

There is, at least, consensus among “Avatar” critics that good science fiction operates on an allegorical level. In novels like “Dune,” films like “Star Wars” or television series like the recent “Battlestar Galactica,” Ms. Newitz said the fantastical elements of these works offer a place of “narrative safety” to contemplate real-life issues like environmental decay, totalitarianism and torture.

“There’s something very satisfying about being able to think through those issues without feeling you’re actually taking a political position,” she said. “Because you’re not – you’re just talking about stories.”

Over the breadth of Mr. Cameron’s career, he has been attracted to outsize themes. Ms. Keegan said that it was possible to read “The Terminator,” his breakthrough 1984 movie, as an anti-technology polemic, an anti-war film or a modern gloss on the birth of Jesus.

“Or,” she said, “ you could just watch it as a movie where Arnold Schwarzenegger stomps around like a robot.”

Paradoxically, the pileup of arguments surrounding “Avatar” might have made a sympathetic figure out of the outspoken Mr. Cameron, who now finds himself in the underdog position of having to account for every possible message in his ostensible popcorn film.

“Often to his detriment, he says exactly what he thinks,” Ms. Keegan said. “All of that makes him seem outside the Hollywood bubble, even though on paper he couldn’t be more of an insider.”

Ms. Newitz, however, was not sympathetic to Mr. Cameron, who wanted to make a singularly ambitious film, and may have gotten his wish. “It’s like, do you feel bad for Obama?” she said. “He’s the president — he kind of asked for it.”

  • Share/Bookmark
 

Dream Self Employment Jobs

20 Jan

Is it Possible to Get Something for Practically Nothing?

Jan 19, 2010 KC Morgan

Earn hundreds a day reading forums! Make money at home while surfing the Internet! Take surveys daily to work at home! Are any of these dream self employment jobs legit?

Even without the Internet, the idea would be compelling, wouldn’t it? Through the ages, people have always had the dream of earning something for doing practically nothing. From hundreds of Web pages and thousands of spam mails, advertisements seem to scream out the possibilities. Touting dream self employment jobs, lots of companies promise untold riches for very small, easy amounts of work. Could any of it possibly be a viable way to work at home?

Is it possible to get something for practically nothing? Find out the real story behind many dream self employment jobs.

Earning with Internet Surfing

Some ads claim to offer money to people who simply want to surf the Internet, which seems to have all the earmarks of being a dream self employment job. But is it a legitimate opportunity?

Work Online Jobs at Home
No Experience Needed – Start Today! Work from Home – Set Your Own Hours
www.Simple-DataEntry.com
Data Entry from Home
Work from Home – Earn $250+ Per Day Data Entry Workers Needed Worldwide
www.online-dataentry.com

In many, many cases, it probably is not. However, there are some truly legitimate companies which do offer a small stipend to those who will click on certain ads and view them for at least thirty seconds. Its called Paid to Click, and though it can be a viable way to earn money at home its hardly a highly lucrative one. Sites offering this opportunity will pay generally less than one cent per ad, which means it takes a whole lot of clicking to earn even one Almighty dollar.

Make Money with Online Forums

Is it possible to get money by posting on Internet forums? It may seem like a dream self employment job that just cant be legit, but forum posting is actually a pretty popular work at home gig. There are lots of legitimate companies offering job listings and opportunities for professionals who want to earn with a little online conversation. However, paid-to-post forum jobs are not big money-earners by any means. In the main, these gigs pay less than $1 USD per post.

Taking Surveys to Create Cash

Taking surveys for money is one of the most common dream self employment jobs thats highly-advertised on the Internet. Because the idea is so popular and so very widespread, survey-taking is often the subject of many online scams. However, this does not mean there are no legitimate opportunities in this field.

It is certainly possible to earn money by taking surveys online. Look to consumer research companies to find actual opportunities, but be warned. Like many other so-called dream self employment jobs and easy ways to make money, survey-taking can be a slow process that earn little actual revenue. Many sites claim to offer cash to those who perform very simple tasks – and they really do! The money offered, however, is usually such a small amount that time could be much better spent on alternative self employment tasks.

  • Share/Bookmark