I just had to post this article so more folks saw it. I think it paints a prettty clear picture of what we are all experienceing as well as point's fingers at the guilty party even though the author is normally Democrat.
Would the Last Honest Reporter Please Turn On the Lights? By Orson Scott Card
Editor's note: Orson Scott Card is a Democrat and a newspaper columnist, and in this opinion piece he takes on both while lamenting the current state of journalism.
An open letter to the local daily paper — almost every local daily paper in America:
I remember reading All the President's Men and thinking: That's journalism. You do what it takes to get the truth and you lay it before the public, because the public has a right to know.
This housing crisis didn't come out of nowhere. It was not a vague emanation of the evil Bush administration.
It was a direct result of the political decision, back in the late 1990s, to loosen the rules of lending so that home loans would be more accessible to poor people. Fannie Mae and Freddie Mac were authorized to approve risky loans.
What is a risky loan? It's a loan that the recipient is likely not to be able to repay.
The goal of this rule change was to help the poor — which especially would help members of minority groups. But how does it help these people to give them a loan that they can't repay? They get into a house, yes, but when they can't make the payments, they lose the house — along with their credit rating.
They end up worse off than before.
This was completely foreseeable and in fact many people did foresee it. One political party, in Congress and in the executive branch, tried repeatedly to tighten up the rules. The other party blocked every such attempt and tried to loosen them.
Furthermore, Freddie Mac and Fannie Mae were making political contributions to the very members of Congress who were allowing them to make irresponsible loans. (Though why quasi-federal agencies were allowed to do so baffles me. It's as if the Pentagon were allowed to contribute to the political campaigns of Congressmen who support increasing their budget.)
Isn't there a story here? Doesn't journalism require that you who produce our daily paper tell the truth about who brought us to a position where the only way to keep confidence in our economy was a $700 billion bailout? Aren't you supposed to follow the money and see which politicians were benefiting personally from the deregulation of mortgage lending?
I have no doubt that if these facts had pointed to the Republican Party or to John McCain as the guilty parties, you would be treating it as a vast scandal. "Housing-gate," no doubt. Or "Fannie-gate."
Instead, it was Senator Christopher Dodd and Congressman Barney Frank, both Democrats, who denied that there were any problems, who refused Bush administration requests to set up a regulatory agency to watch over Fannie Mae and Freddie Mac, and who were still pushing for these agencies to go even further in promoting sub-prime mortgage loans almost up to the minute they failed.
As Thomas Sowell points out in a TownHall.com essay entitled "Do Facts Matter?" ( http://snipurl.com/457townhall_com] ): "Alan Greenspan warned them four years ago. So did the Chairman of the Council of Economic Advisers to the President. So did Bush's Secretary of the Treasury."
These are facts. This financial crisis was completely preventable. The party that blocked any attempt to prevent it was ... the Democratic Party. The party that tried to prevent it was ... the Republican Party.
Yet when Nancy Pelosi accused the Bush administration and Republican deregulation of causing the crisis, you in the press did not hold her to account for her lie. Instead, you criticized Republicans who took offense at this lie and refused to vote for the bailout!
What? It's not the liar, but the victims of the lie who are to blame?
Now let's follow the money ... right to the presidential candidate who is the number-two recipient of campaign contributions from Fannie Mae.
And after Franklin Raines, the CEO of Fannie Mae who made $90 million while running it into the ground, was fired for his incompetence, one presidential candidate's campaign actually consulted him for advice on housing.
If that presidential candidate had been John McCain, you would have called it a major scandal and we would be getting stories in your paper every day about how incompetent and corrupt he was.
But instead, that candidate was Barack Obama, and so you have buried this story, and when the McCain campaign dared to call Raines an "adviser" to the Obama campaign — because that campaign had sought his advice — you actually let Obama's people get away with accusing McCain of lying, merely because Raines wasn't listed as an official adviser to the Obama campaign.
You would never tolerate such weasely nit-picking from a Republican.
If you who produce our local daily paper actually had any principles, you would be pounding this story, because the prosperity of all Americans was put at risk by the foolish, short-sighted, politically selfish, and possibly corrupt actions of leading Democrats, including Obama.
If you who produce our local daily paper had any personal honor, you would find it unbearable to let the American people believe that somehow Republicans were to blame for this crisis.
There are precedents. Even though President Bush and his administration never said that Iraq sponsored or was linked to 9/11, you could not stand the fact that Americans had that misapprehension — so you pounded us with the fact that there was no such link. (Along the way, you created the false impression that Bush had lied to them and said that there was a connection.)
If you had any principles, then surely right now, when the American people are set to blame President Bush and John McCain for a crisis they tried to prevent, and are actually shifting to approve of Barack Obama because of a crisis he helped cause, you would be laboring at least as hard to correct that false impression.
Your job, as journalists, is to tell the truth. That's what you claim you do, when you accept people's money to buy or subscribe to your paper.
But right now, you are consenting to or actively promoting a big fat lie — that the housing crisis should somehow be blamed on Bush, McCain, and the Republicans. You have trained the American people to blame everything bad — even bad weather — on Bush, and they are responding as you have taught them to.
If you had any personal honor, each reporter and editor would be insisting on telling the truth — even if it hurts the election chances of your favorite candidate.
Because that's what honorable people do. Honest people tell the truth even when they don't like the probable consequences. That's what honesty means . That's how trust is earned.
Barack Obama is just another politician, and not a very wise one. He has revealed his ignorance and naivete time after time — and you have swept it under the rug, treated it as nothing.
Meanwhile, you have participated in the borking of Sarah Palin, reporting savage attacks on her for the pregnancy of her unmarried daughter — while you ignored the story of John Edwards's own adultery for many months.
So I ask you now: Do you have any standards at all? Do you even know what honesty means?
Is getting people to vote for Barack Obama so important that you will throw away everything that journalism is supposed to stand for?
You might want to remember the way the National Organization of Women threw away their integrity by supporting Bill Clinton despite his well-known pattern of sexual exploitation of powerless women. Who listens to NOW anymore? We know they stand for nothing; they have no principles.
That's where you are right now.
It's not too late. You know that if the situation were reversed, and the truth would damage McCain and help Obama, you would be moving heaven and earth to get the true story out there.
If you want to redeem your honor, you will swallow hard and make a list of all the stories you would print if it were McCain who had been getting money from Fannie Mae, McCain whose campaign had consulted with its discredited former CEO, McCain who had voted against tightening its lending practices.
Then you will print them, even though every one of those true stories will point the finger of blame at the reckless Democratic Party, which put our nation's prosperity at risk so they could feel good about helping the poor, and lay a fair share of the blame at Obama's door.
You will also tell the truth about John McCain: that he tried, as a Senator, to do what it took to prevent this crisis. You will tell the truth about President Bush: that his administration tried more than once to get Congress to regulate lending in a responsible way.
This was a Congress-caused crisis, beginning during the Clinton administration, with Democrats leading the way into the crisis and blocking every effort to get out of it in a timely fashion.
If you at our local daily newspaper continue to let Americans believe — and vote as if — President Bush and the Republicans caused the crisis, then you are joining in that lie.
If you do not tell the truth about the Democrats — including Barack Obama — and do so with the same energy you would use if the miscreants were Republicans — then you are not journalists by any standard.
You're just the public relations machine of the Democratic Party, and it's time you were all fired and real journalists brought in, so that we can actually have a news paper in our city.
This article first appeared in The Rhinoceros Times of Greensboro, North Carolina, and is used here by permission.
Sunday, October 26, 2008
Wednesday, July 2, 2008
How to make money with $4.00+ Gas!
While most people are wasting time complaining about $4.10 gas or close to it all over the country.. I'm making record profits..
So are a lot of people..
Here is why.
1) More people are feeling the pinch $4 gas is having on their budget. That means just a $100 - $200 jump in their budget is effecting them.. I think a lot of this is mental.. but people are looking for ways to make or save more money...(hince a cheaper mortgage payment)
2) Almost everyone is cutting back on marketing now. Times are "tough" is the mindset of most business owners.. sadly cutting your marketing is like pulling life support when your business is hurting.. a no no.. So those of us who aren't cutting back are making more because there are fewer lenders advertising to compete.
3) With the doom and gloom in the news.. higher priced gas and uneasy feeling with many consumers.. people are staying home to save money and not going out as much. Nor are they traveling as much. What this means is people are watching TV, and more importantly for us they are on the web more than normalso it is easier to reach people with web marketing and relationship building efforts.
I'm building a collection of marketing methods and reviewing them to share with everyone for free in my marketing group. If you aren't in it - you're missing out.I am revamping this group but will reopen a limited time free registration very soon. SO STAY POSTED!!!
So are a lot of people..
Here is why.
1) More people are feeling the pinch $4 gas is having on their budget. That means just a $100 - $200 jump in their budget is effecting them.. I think a lot of this is mental.. but people are looking for ways to make or save more money...(hince a cheaper mortgage payment)
2) Almost everyone is cutting back on marketing now. Times are "tough" is the mindset of most business owners.. sadly cutting your marketing is like pulling life support when your business is hurting.. a no no.. So those of us who aren't cutting back are making more because there are fewer lenders advertising to compete.
3) With the doom and gloom in the news.. higher priced gas and uneasy feeling with many consumers.. people are staying home to save money and not going out as much. Nor are they traveling as much. What this means is people are watching TV, and more importantly for us they are on the web more than normalso it is easier to reach people with web marketing and relationship building efforts.
I'm building a collection of marketing methods and reviewing them to share with everyone for free in my marketing group. If you aren't in it - you're missing out.I am revamping this group but will reopen a limited time free registration very soon. SO STAY POSTED!!!
Thursday, June 19, 2008
What's Your Favorite Color!
Who Cares what you should ask is what color is their favorite or at least motivates them to buy!
Color plays a pivotal role in a website's impact, and as such must becarefully considered. This is especially crucial when the site inquestion is used for business/professional purposes.Before delving into the specifics of color selection for professionalsites, here are a few general rules for color usage in websites:- Don't use yellow for web page backgrounds - it causes eyestrain- Avoid black backgrounds - these essentially limit text color choiceto white and yellow, which can look garish and hard on the eyesagainst black- If in doubt, use black text on white background - while not veryoriginal, this color combination ensures optimal readability. In anycase, choose a text color that constrasts with your background; thisis usually best achieved with dark text on a light background.- Choose from the 216 "browser-safe" colors, codes for which can be found at <>. If you stray outside thesestandard colors, your website colors may be distorted on some users'systems.With that quick primer behind us, let's talk business websites.To lend a professional, organic appearance to your website, your bestbet is to choose a simple palette of a few matching colors. AdvancedMedia Productions suggests limiting yourself to three colors, andusing these colors strategically to group related objects or indicaterelationships between objects or segments of the page(http://www.boston-website-design.com/web-design-strategy.html). TheBuildStar Business Builder's Network(http://www.ibuildstar.com/colors.htm) has a similar philosophy,urging the business website designer to "create an identity throughall your marketing and products with one or two colors you use overand over. This is a very basic and effective way to tie all your stufftogether in the minds of customers."If you're not good at color coordinating, it's a good idea to consulta color wheel such as that found at http://www.visibone.com/colorlab. Complementary colors (that is, those found directly across fromeach other on the color wheel - e.g. red and green) are safe choices,as are neighboring shades. Which of these you choose, however, dependson what mood you choose to evoke - the contrast of complementarycolors like orange and blue suggests excitement, while neighboringcolors like green and blue suggest unity and harmony.According to one website, using different shades of the same color,called the monolithic approach, is the superior choice forprofessional website color schemes. The writer asserts that "singlecolors or Monoliths work best for business sites because of their moresubtle suggestion," but cautions that this approach can be boring ifoverdone and may require "adding a contrasting black [to make] thecolor combo monochromatic and more interesting."(http://createafreewebsite.net/website_workshop/choosing_colors.html). But how do you choose the best starting color to work from? Animportant consideration in choosing the foundation color for yourwebsite is the emotional association it typically carries. While theseassociations can vary somewhat from culture to culture, they generallyhold true for the majority of people. Here's a quick snapshot:Red: Daring, persuasive. Also hard on the eyes. Red is especiallyeffective in highlighting key text on black and white sites, and alsoworks to liven up browns and tans.Blue: Suggests quality, trustworthiness, success, seriousness,calmness. A common choice for sales pages. In "What is the color ofyour website?", Andrew Lapointe suggests highlighting phrases like"Our history" or "Our mission statement" in blue(http://www.dotfactor.com/artman/publish/marketing_31.shtml). Lapointealso suggests avoiding purple, which connotes uncertainty andambiguity, and only using yellow to highlight key words and phrases.Pam Renovato, in "The Psychology of Color and Internet Marketing"(http://www.webmasterstop.com/articles/choose-website-colors.shtml),has some interesting comments on the use of grays and browns:"They suggest weight, or something heavy. This would provide yourvisitors with a feeling of stableness and strength. Emotions like thiswill help your visitors to associate your site with solidity andconfidence. Other colors such as burgundy, oyster, beige, blues willalso provide a feeling of solidity."Another important factor is the age of the target audience. Neutraltones work best with sites designed for an older audience, the targetdemographic for many business websites. You'll obviously also want toselect shades appropriate to your business, if any - as Ralph Hilliardpoints out in "How to choose your web site colors"(http://www.prowebsitemanagement.com/articles/websitecolors.html), aweb designer who creates a black and green website for the Red Crosswill be out of business quickly. Hillard further stresses theimportance of color selection in marketing:"The BEST color for selling is the color that captures your primaryaudience emotionally," he posits. "If my audience is new mothers andI'm selling baby clothes, I guarantee you I can sell more clothes withsoft pinks, blues and purples than I could using bright reds, greensor black."When it comes down to it, choosing a professional website color schemeis as simple as the common sense guideline provided at the 1stsitefreeDesign tutorial (http://www.1stsitefree.com/design_colors.htm): "Usecolors that compliment your subject matter and are relatively pleasingto the eye."It seems, then, that classic, rich, conservative, "serious" colorslike blues, browns, burgundies and grays are your best bets forbusiness websites.On a final note, however, there's always an exception that breaks allthe rules; according to "Website Colors That Sell" at the BuildStarBusiness Builder's Network (http://www.ibuildstar.com/colors.htm),"one study showed that the color combination with the most powerfulpsychological effect was yellow title, white text, on a dark bluebackground."Here's a final link for you:Cobalt Multimedia - Choosing colors for your website<>
Color plays a pivotal role in a website's impact, and as such must becarefully considered. This is especially crucial when the site inquestion is used for business/professional purposes.Before delving into the specifics of color selection for professionalsites, here are a few general rules for color usage in websites:- Don't use yellow for web page backgrounds - it causes eyestrain- Avoid black backgrounds - these essentially limit text color choiceto white and yellow, which can look garish and hard on the eyesagainst black- If in doubt, use black text on white background - while not veryoriginal, this color combination ensures optimal readability. In anycase, choose a text color that constrasts with your background; thisis usually best achieved with dark text on a light background.- Choose from the 216 "browser-safe" colors, codes for which can be found at <>. If you stray outside thesestandard colors, your website colors may be distorted on some users'systems.With that quick primer behind us, let's talk business websites.To lend a professional, organic appearance to your website, your bestbet is to choose a simple palette of a few matching colors. AdvancedMedia Productions suggests limiting yourself to three colors, andusing these colors strategically to group related objects or indicaterelationships between objects or segments of the page(http://www.boston-website-design.com/web-design-strategy.html). TheBuildStar Business Builder's Network(http://www.ibuildstar.com/colors.htm) has a similar philosophy,urging the business website designer to "create an identity throughall your marketing and products with one or two colors you use overand over. This is a very basic and effective way to tie all your stufftogether in the minds of customers."If you're not good at color coordinating, it's a good idea to consulta color wheel such as that found at http://www.visibone.com/colorlab. Complementary colors (that is, those found directly across fromeach other on the color wheel - e.g. red and green) are safe choices,as are neighboring shades. Which of these you choose, however, dependson what mood you choose to evoke - the contrast of complementarycolors like orange and blue suggests excitement, while neighboringcolors like green and blue suggest unity and harmony.According to one website, using different shades of the same color,called the monolithic approach, is the superior choice forprofessional website color schemes. The writer asserts that "singlecolors or Monoliths work best for business sites because of their moresubtle suggestion," but cautions that this approach can be boring ifoverdone and may require "adding a contrasting black [to make] thecolor combo monochromatic and more interesting."(http://createafreewebsite.net/website_workshop/choosing_colors.html). But how do you choose the best starting color to work from? Animportant consideration in choosing the foundation color for yourwebsite is the emotional association it typically carries. While theseassociations can vary somewhat from culture to culture, they generallyhold true for the majority of people. Here's a quick snapshot:Red: Daring, persuasive. Also hard on the eyes. Red is especiallyeffective in highlighting key text on black and white sites, and alsoworks to liven up browns and tans.Blue: Suggests quality, trustworthiness, success, seriousness,calmness. A common choice for sales pages. In "What is the color ofyour website?", Andrew Lapointe suggests highlighting phrases like"Our history" or "Our mission statement" in blue(http://www.dotfactor.com/artman/publish/marketing_31.shtml). Lapointealso suggests avoiding purple, which connotes uncertainty andambiguity, and only using yellow to highlight key words and phrases.Pam Renovato, in "The Psychology of Color and Internet Marketing"(http://www.webmasterstop.com/articles/choose-website-colors.shtml),has some interesting comments on the use of grays and browns:"They suggest weight, or something heavy. This would provide yourvisitors with a feeling of stableness and strength. Emotions like thiswill help your visitors to associate your site with solidity andconfidence. Other colors such as burgundy, oyster, beige, blues willalso provide a feeling of solidity."Another important factor is the age of the target audience. Neutraltones work best with sites designed for an older audience, the targetdemographic for many business websites. You'll obviously also want toselect shades appropriate to your business, if any - as Ralph Hilliardpoints out in "How to choose your web site colors"(http://www.prowebsitemanagement.com/articles/websitecolors.html), aweb designer who creates a black and green website for the Red Crosswill be out of business quickly. Hillard further stresses theimportance of color selection in marketing:"The BEST color for selling is the color that captures your primaryaudience emotionally," he posits. "If my audience is new mothers andI'm selling baby clothes, I guarantee you I can sell more clothes withsoft pinks, blues and purples than I could using bright reds, greensor black."When it comes down to it, choosing a professional website color schemeis as simple as the common sense guideline provided at the 1stsitefreeDesign tutorial (http://www.1stsitefree.com/design_colors.htm): "Usecolors that compliment your subject matter and are relatively pleasingto the eye."It seems, then, that classic, rich, conservative, "serious" colorslike blues, browns, burgundies and grays are your best bets forbusiness websites.On a final note, however, there's always an exception that breaks allthe rules; according to "Website Colors That Sell" at the BuildStarBusiness Builder's Network (http://www.ibuildstar.com/colors.htm),"one study showed that the color combination with the most powerfulpsychological effect was yellow title, white text, on a dark bluebackground."Here's a final link for you:Cobalt Multimedia - Choosing colors for your website<>
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