The Sky is Falling, But Whom to Blame?

The human mind cannot grasp the causes of phenomena in the aggregate. But the need to find these causes is inherent in man’s soul. And the human intellect, without investigating the multiplicity and complexity of the conditions of phenomena, any one of which taken separately may seem to be the cause, snatches at the first, the most intelligible approximation to a cause, and says: “This is the cause!”

Leo Tolstoy, War and Peace [via The Big Picture]

The populist pitch-forking movement has duly commenced, and fingers are pointed in all directions. In a classic case of pot calling the kettle black, all the players are now seizing populist rage to divert attention from itself. The momentum must be maintained, should the public calm down and re-assess, everyone is culpable.


The whole debacle surrounding the AIG bonus is ridiculous. The government passed the legislation with the inserted lines that allowed for bonuses in the first place. Even if Chris Dodd is the culprit, surely it only serves to highlights the incompetence and indifference of the system. If what he’s saying is true (that the administration made him do it), then it shows complicity. This indignant outrage shown by politicians from both sides is nothing but political grandstanding to placate mass anger. Better this mess is channeled towards the evil executives than at the government, right?

The de-regulation of US financial system started with Clinton, and continued with the Bush administration. Policies from ten years ago directly contributed to the California black-out (Enron), and the current mortgage crisis. Without the government’s collusion in both banking deregulation and predatory lending practices, corporate greed would’ve had little opportunity to spread.

It doesn’t take much digging to see the hypocrisy of politicians now railing against exorbitant executive compensation or incompetence. For the most part, those very politicians were responsible for the rise in reckless risk-taking behaviour of those financial Einsteins. Members of the public are beginning to see the thinly-guised witch hunt as a way to deflect blame and secure public support. This kind of shameless and ingratiating behaviour from publicly-elected officials is insulting and condescending: because it pushes accountability away from itself, and props up effigies of greedy corporate executives for the public to burn.


It’s hard to see how the phrase “financial innovation” could return with any kind of goodwill. Driven by his “Ayn Randian passion for regulatory minimalism”, and fearing lack of competitiveness that regulation weighed on said “financial innovation”, Greenspan opened the Pandora’s box.

In the aftermaths of banking collapses and Ponzi schemes, the SEC can hardly deny its failure in oversight. In one embarrassing expose after another, SEC is blasted for its inept and financial illiterate handling of warnings, its cozy relationship with the very bankers it was charged to regulate, and became a puppet that was captive to the powerful industry.  So the court can put the likes of Madoff away and the public can demonize the banking executives all they might, but the SEC deserves just as much wrath as its former wards.


No matter how the broadcast media plays it, it will always run one of two risks. One is setting high journalistic standard, cover the news it deems worthy, works to inform, to investigate, and to inspire. It then runs the risk of appearing out of touch with the public. In the US, where news is de-centralized and competition is fierce, fear of low ratings has sent most networks to the latter approach. This now dominant reporting technique sensationalizes. Reporters claim that this will resonate better with its viewers, which more often than not, send all the networks racing towards the lowest denominator. For an outsider, coverage of highway chases, celebrity mishaps and other juicy scandals does nothing but dumb down its audience.

The broadcast media then commit a severe error in omission. By catering to the public’s guilty indulgences in vices and gossip, the media has missed its calling. So while the excessive liquidity and sub-prime crisis was brewing under the surface a few years back, we heard little serious discussion on the economy and its sustainability. Remember, those were the popular stories of 2007 and 2006.

And then there is the business reporting media that cannot decide which side they are on. The conflict of interest is glaring. Do they exist as mouth piece to the CEOs and analysts invited on the show with a scripted message, or do they exist to slice and dice data in order to inform its viewers? Considering the party footing the network bills, and the ongoing gamesmanship that nobody bothered to call out, are they not just as responsible for failing to do their jobs? Since the Cramer versus Stewart showdown, CNBC and its bretherens have been largely silent on accusations lashed upon it, and instead threw themsleves whole-hearted into the chorus of public fury. Are they silent in their atonement, or merely evading public scrutiny?


Capitalism is a beautiful thing, especially the version taught in business school. It’s competitive but fair, rational and deterministic, and most of all, it’s supposed to be a force for good.

Needless to say, in the past few months, the public has begun to uncover the darker side of capitalism, especially when infused with greed and corruption. Educational institutions are not immune to public probe. Deans of business school across the US are admitting to “widespread failure of leadership”. Its decline in global reputation, along with questionable US economic prospects, has led to a drop in international student enrollment in American MBA programs.

By acts of omission, b-schools nursed a culture that inflated egos, placed a premium on performance at the expense of balance, instilled a reverence for mathematical models (in finance) or salesmanship (in marketing). It also funneled an acceptance of the status-quo corporate hierarchy. My post on some of the shortfalls of business school was picked up by Shafeen Charnia in his discussion of leadership. He says:

In both teaching and the corporate world, experience can give you the confidence to be adept in front of a room, but it doesn’t ensure leadership. It seems that one is taught how to use authority versus leadership. We all know that authority is about power. And power (and its abuse) are why we still and likely always will need workers’ rights laws and unions. It is also why some students don’t get to learn.

The Public

It would be unfair and naïve to not place a fair portion of the blame on ourselves. Granted, when times were good, it was hard to work up the will to ask tough questions. But there were signs, as well as a sizable and vocal group that voiced their concerns over the mortgage market, the banking system, and the economy as a whole.

If nothing else, this recession will force the general public to become more discerning citizens. Whatever trust that existed between the people and the government, its regulatory bodies, its hawking media, will be rigorously tested.

Greed is ingrained in our nature. Many organizational psychologists recognize this indisputable character of businesses and its executives, and work very hard to find a way to align corporate interests with consumer interests. End of the day, it is my belief that only consumers and investors can force and enforce corporate responsibility and accountability. In a society where technology is the barometer for transparency, businesses are finding it increasingly difficult to hide behind carefully orchestrated PR campaigns. Authenticity is not just a buzzword anymore, because the public is becoming more astute. If we can somehow translate our need for transparency and accountability towards a system that either rewards or punishes a business for its corporate behaviour, perhaps then we will no longer rely solely on the government and its regulators to safeguard our investments.

The Basics You Must Know to Earn Money from your Blog

Who does not want to make money? Or the bigger question is – who does not need to generate one? If you are, you may not believe that it can be done upon starting a blog. This is actually an easy way to create cash, provided that you know how to do it. If you are only starting, you may have to get an instant loan for it. Then eventually, once you an expert to the hang of it already, it is just going to come out naturally on you. This is the assurance here.

It does not matter what the group you are making money is with. It can be a blog for a hobby for business. At the end of the day, it is still possible. Let us just be realistic here – you will not become rich from it right away. However, it may be enough to support your family and a whole lot more. How can you do it?

Making Money from Random Blogs

There are various ways to have money from random blogs. These are most of them that you must think about:

  • Monetize with Ads. For most of the time, bloggers would generate income through the placement of ads on their page or website. There are two popular means to complete this – through Cost Per Click (CPC) or Pay Per Click (PPC) ads. These are from banners that are placed in the content of your sidebar. When the reader clicks the ad, then payment is given. CPM ads, on the other hand, is about cost per 1,000 impressions ads. This gives a fixed amount of money which is based on the number of views your ad earns.
  • Do not get this wrong – being affiliated with advertising networks is not the only solution in terms of selling ads. Once you already have the right amount of traffic that you need, there will be advertisers who will come directly to you. They will ask you to have your ad placed on their website. This might occur so you have to be prepared for the possibility. If you must, you may contact these advertisers by yourself. When you do this, there is no longer a middleman. This is when you are free to set ad rates that may work for you.
  • Take advantage of affiliate marketing. This is a tool to monetize your blog as well. You might be asking – how can you do this? This is when you give the company a commission once something is sold from your site. Connecting with people in this may provide you with unique links too that can track your affiliate code. This is just another option too.

Blogging does not end when you write. Throughout, you would need to build credibility which may eventually lead to many money-making opportunities. Do not leave this out. If you want to be in the finance industry for example, then be knowledgeable and prosper in there. This is a way for followers to read your content.

Is it Possible to Make Money with Blogging?

Money in Blogging

If you want to have a passing income with an extra job, your blog may be the solution for that. While it is true that it requires skills and perseverance to make the most of your blog site, you can make the process way simpler and easier if you know what you are doing. There are pointers that you have to think upon if you want to employ your blog for a business. Where should you start?

Making the Most of your Blog

How can you use your blog as a business? How can you make money out of it? What if it is just random? How can you transform it into gold? Here are some of the tips you may want to consider:

  • The content of your blog is the most important part of it. For whatever it is worth, always keep it interesting and original. This is a way to grab the attention of your readers. When they are engaged, they will surely come back and who knows how often that can be.
  • Pay attention to subheadings and headlines because they can either make you or break you. If they can be no longer than five to six words, that would be much better. Regardless, make them stand out. Make people know more about what you are doing
  • Research about a niche topic and stick to it. This means that you have to avoid mixing other topics if you must. This is not going to happen if you will only research well. Aside from this, be accurate too in everything you write. Who would want to read a blog full of nonsense?
  • Post regularly. There should be an interval in the schedule in which you write and post. This is effective in sustaining the interest of your readers. Apart from this, you have to do your best so that they will come back to you and read more.
  • There is also another effective way to generate money from your writing – that is to sell it as a freelance. This may either be both hard and easy. At the end of the day, it does not only depend on the platform. It may also be affected by your skills, on how good you are. There is a tenfold of websites which offer payments or rewards for the articles you come up with. The same is also true with the amount offered from site to site. It may vary so you better quote your options.
  • Advertising is also the most popular way to earn income. It only takes working with the right agency and you will surely be happy with this.

Of course, none of these techniques will work if you are not dedicated to writing. While looking for work, do not fail to practice more so that you become an expert in what you are doing. Get certifications too to become credible. Take exams! They will all add up to your credentials to become even more employable online!

Proper Ways to Blogging

Writing a blog post on a daily basis can be vital to those who want to manage themselves in the public eye itself. Basically, people who come with a million should think about keeping an image. One’s presence will have to be noted in this. Anyone who has a business must think about branding and promotion. There are offerings that must be thought upon in this sense.

Understanding the Nature of Blogging

Here are some of the ways in order to understand what blogging is really all about. These have to be taken down notes. They must be considered:

  • Keep your blog as much as you can. If you want to be visible online, you should see to it that your articles and posts are seen all the time. They should also be credible as much as they can. There are individuals out there who are skeptical about purchasing from people they barely knew. If the blog post is reputable, this should not be a problem then.
  • Discover where to blog as well. There is nothing to worry because there is a number of online blogging platforms out there which may serve as an instrument, to begin with. Among these are Facebook, blogger, Linke in, forums and a WordPress website.
  • Do not be afraid to search online and obtain cracking. There should be a way to learn how to blog. Basically, the website has to be about five things. These have to be successful and individuals must be interested. What are the types of blogs which can be noted? Among these are educational, informative, entertaining, inspirational and promotional.
  • Create a blog post and know most of the basics. The typical number be from 300 to 900 words. Google would always ask for posts which have a length and they can be indexed way easier too. Keywords would always be at the beginning and then the end of every post. Headings may be utilized from time to time. The best headlines should be there so that they may capture attention. Your audience should vary and the problems can be addressed this way. There may be values which may work for clients too. For instance, they can be given free E-book.

Definitely, your blogging journey would depend on the platform you will use. There must be an excellent user-friendly interface available here. There are good things which would enable the making of a blog responsive, flexible so that they can look and feel unique. If you want a funding for this, you can check for it!

To locate the right platform in blogging should not be hard. However, it would take time in researching from these various platforms so that the best tool may be found. Always decide which type of platform may be fitted for the blog you intend to pursue. They can be customized easily. So for those interested, they should not fail to know and learn what they prefer first so that they may succeed in the undertaking. This is going to work for individuals who are willing to triumph in the venture!

Why Should You Make Blogging a Part of Your Job?

It cannot be denied that blogging is a task, not most people are fond of. As a matter of fact, to most of them, it is nothing but a waste of time. This may be the perception of people who do not have much inclination to writing. However, to businessmen, it may be a different case.

Yes, blogging is now a tool for most businessmen because it may be utilized in boosting customer engagement. It would only take a matter of coming up with an effective content and that may be the start of it. What is even good is that nobody has to pay a ton for this. It is now your turn to check what it has to offer you and your enterprise.

How to Make the Most of Random Blogging

Maybe, the big question now is – how can business owners make the most of random blogging? In what way can it help them? The least thing that they would want is to come unprepared. For whatever it is worth, this should not happen for it would mean a disaster. How can they work on it then?

They may begin by keeping up a list of ideas which they will further allot for their articles. If this is going to be completed, more time will be saved for things which are more important in the business.

Indeed, there are so many ways in which random blog writing may benefit your business. These are most of them:

  • With blog writing, you earn the attention your business requires. Of course, there will be a need to create a fuss outside the company. As one bi-lines an article, the writer is given the opportunity to share expertise with the world. Creating this type of impression will open doors for chances. Do not forget this.
  • While it is true that not everyone has perfect English, to put up a blog writing job may be an instrument to actually improve it. As writing happens, it would serve as a practice to creating an even more engaging writing style which can be beneficial to daily tasks such as email communications. This is the key to chat like a pro. Who would not want it?
  • Another advantage is that it can enable the writer for a business to grow knowledge. This should occur knowing that the job asks for the completion of a research. To read around subject would indeed open the eyes of many to ideas and theories. They can also boost efficiency later on. Who would not want self-improvement anyway? This would never be a bad thing. Indeed, blogging has in store many chances to those who are willing to make the most of it.

These are just some of the things which may be expected as you blog for the promotion of your business. Do not worry because this may be undertaken for free. You will only have to locate a provider which would allow you to do so. Afterwards, finding the best content writer will only be your main and only concern. Not bad at all.

The Advantages of Payday Loans

The next time you find yourself asking for some cash, and you have to obtain it quickly, you may be left without any other resort but to consider the use of payday loans. This kind of loan may be quite new for some. Well, it is a newly-introduced concept in the mark, reason why it is no longer surprising!

Until today, the traditional ways of procuring a loan is just through the presence of credit cards or through the application of personal loans. It cannot be denied that there are appreciated and accepted options for anyone out there. However, they may have their limitations too. For instance, in the utilization of credit cards, you only spend on things you really cannot afford. Why should you seek for payday loan in Singapore then?

How Can a Payday Loan Help You?

Here are some of the reasons why a payday loan might be of great help for you. These are some of them:

  • The design of payday loan works in such a way that it benefits most companies which issue credit cards because they may keep on earning interest because of late payments are done. Personal loans would make a better choice, but in order to qualify for it, there is a need to spend time.
  • The product is said to be to the rescue for individuals who are not capable of qualifying for credit cards because of certain reasons. They may also avoid the hassles of obtaining one. People should not be afraid of the reputation of payday loans. It cannot be denied that despite all that, it can still be the best substitute for traditional lending. They would still be highly popular.
  • There is an easy process to win a payday loan. It is also fast and comfortable. It can start by applying for a loan and the funds to be expected in the bank just a few hours after the application. It is not an exaggeration to say that no other traditional bank may be able to come close to the speed of this type of loan. The borrower would only have to fill out an application form. This should be completed by providing personal details. Afterward, the approval may be expected.
  • The mentioned kind of loan is short-term in nature. This is why it cannot be a problem for a long time. It is only bound to help in overcoming a financial problem which is experienced for a while. At least, you will be spared from debt. You do not have to commit to borrowing money. This will not be the case for sure.

With the aforementioned, there might be a different opportunity for those who want to earn a payday loan for their business. However, one thing is for certain – the probability of getting an approval is definitely way higher. This transpires because the lenders know that there is only a small risk associated with this kind of venture. To borrow would not be complex then.

How to Grow Your Blog through a Business

For most of the time, businesses would always begin with the best promotional schemes. This is where blogging comes in for it is effective in building an audience. Hence, it can really work for a money lender. There are many individuals out there who start to monetize their traffic. Such only make sense since one of the hardest things to do is for owners to grow their traffic. Once you started in growing a blog first, there is already a solid following in order for a business idea to be supported. This is evident.

The truth is that to start a blog will never be easy. However, if you intend to make money later, you will have to think of strategies that will set you out for success. Indeed, it is crucial to understand what it takes in order to succeed in here. What can you do in order to grow your traffic through blogs?

Using Blogs

A blog is considered to be a weblog of content which is usually updated regularly. It is known as an online publication written in a personal tone to make it more realistic and relatable. It is a platform to teach others, share opinions, sell products or services and develop a personal brand. Indeed, blogging can be fulfilling; however, in order for it to succeed, there is a need for commitment to transpire.

What else should you remember about blogging in order to succeed? In blogging, it is always important to be consistent. As a matter of fact, it would not be an issue what you publish – you just have to be true to what you say to your audience. It should help you and your audience grow so that you will not disappoint them.

Starting a Blog

If it is your first time writing a blog and posting it online for your business, here are some of the tips that you might want to take into consideration:
Find time so that you can flush out your ideas. You have to do this consistently. Once you have gone through this, you already pass the test because this is said to be the most difficult part. When you already have a schedule for it, your blog will be straightforward, that is for sure. You just have to consider the opportunities so that you may monetize from the idea. Have a publishing strategy as well.
When it comes to using blogs to make money, there are various ways to do so. There are individuals who would run adds to their blogs so that they can generate such. However, there are still other ways to do this as well. For instance, it would help to build a loyal audience. Having a big one is not the main concern anymore. You are unlikely going to win the trust of your followers. It is not about spamming after all so think about other ways.

Thus, it is about time you take advantage of blogging because it can really be beneficial to your business.

Ways to Blogging

Anyone who is new to blogging may find the whole process quite tedious. There are even those who perceive it as something so foreign it must have come out from a movie. If you want to succeed in this, you should start doing your homework and learn more about it. How can you make your experience a remarkable one?

How to Become a Certified Blogger

These are some of the ways for you to become a certified blogger. Please take note of them:

  • The first thing that you have to do is pick a blog provider. If you are not yet familiar, it would be okay to check on WordPress. This is considered to be the easiest and most user-friendly operator which you can manipulate without a hard time. This is also affordable. For a beginner, it is not a bad start at all.
  • Choose a theme. There are hundreds of themes out there which are usually given for free through WordPress as mentioned above. The idea is for you to select what you like. This will create an unforgettable blogging experience for you. Most readers prefer simple blogs that they can navigate without complications. If you know this principle, you are definitely headed in the right direction.
  • Of course, the most important part of the venture is that you learn how to blog. With this, you have to know what you see yourself blogging about. There are those who go for random blogs which are almost borderline to non-sense at all. With this said, you must have a direction for your blog. Do not get this wrong though. You can blog with what you want to talk about. However, you should ensure that you do it with substance. In short, think about it for a minute. Construct your thoughts. Talk with sense!
  • Utilize tools so that you can discover how other people blog. This is a chance so that you can know the tools they normally use. Once you are aware of what they are, you should have them to your advantage. This will only happen if you are to know them better. It is okay to Google. That search engine is your friend. Just be specific with the question you are to raise or ask.

Just remember that in sustaining a page readership, you definitely have a big role to play. Blog traffic is not easy to achieve. It cannot be attained overnight. In order to start through this, you have the obligation to get the interest of readers. That is only the kickoff of it. At one point, it is your obligation to ensure that your visitors enjoy their stay on your website. You can do this by employing informative and quality blog posts.

Needless to say, the necessity to locate a good and dependable article writer will come across. Hot keywords may also be asked for if you are driving SEO. Whatever you may opt to start, remember that it is your obligation to keep it regular as much as possible. This is ideal so that you can form a following that is always a must in this type of venture.

What I’m reading today

  • Made (by Chinese) in Italy.
  • Erosion of safety at a J-burg park.
  • Various ways of looking at the idea and the economic and political implications of “decline”.
  • Preps of today.
  • The history of Oktoberfest.
  • But isn’t that what the oil reserve fund is for?
  • Not just in France, America too.
  • Group psychosis to blame for Japan’s less-than-stellar English.

I’m reading again!

It’s been almost a whole year since I last blogged. There were a few reasons, the biggest being that I just simply ran out of things to say, and bloggin became more of a burden than a pleasure.

Now after a year of separation, I think I might be ready to get back to somewhat reguglar blogging again. There’s a lot to catch up on, but first things first, some interesting reading for the weekend.

Unintended consequences

Michael Lewis at it again

Things to think through before killing off a character

Culling of the Middle Class – see also deflationry effect of the Internet, and effect of immigration to the UK on the top and bottom strata of society (still searching for the piece)

American manufacturing strikes back

If you are interested in language and culture, Economist’s Johnson blog always has something amusing to offer