victoriayhul: August 2011

Tuesday, August 30, 2011

Midland Marketing Coop - Homepage

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Oracle Marketing and advertising is among the principal promoting businesses in the united kingdom. The organization uses strong promoting while they recognize is it doesn't exclusively approach that may be measurable and also scalable.

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Clover Promoting possesses within a quick amount appeared since the primary pros inside the lead promoting world which has a clientele of which will keep growing each and every day. The business is quite wise for the work associated with improving model knowledge in addition to offering their own consumers quantifiable success consequently trying to keep these individuals often content. As a corporation that will generally is higher than the particular objectives with their buyers, Clover Marketing and advertising valuations this teeth on the shoppers confronts very much above all else in addition to thus possesses aided next harvest loaded incentives.

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Friday, August 19, 2011

Comparing Granite and Marble Countertops: Which One particular Really should You Choose?

Granite and marble are each stones which means they can be each durable, large, and incredibly hard. Concurrently, simply because both equally these stones can genuinely final a life time, they can be both equally costly and very hard to polish and install. Considering that they may be each stones, they may be normally patterned, for this reason, you could possibly get granite or surface encounters marble that's not fairly comparable for the design and style within the catalog you ordered so it could be finest to actually see the real products when deciding upon the kind of style and pattern which you want alternatively of relying only on pictures. Each are heat resistant plus they do not scorch when put even having a very warm substance these as iron pots and pans.

However, granite is way more challenging than marble and it can be more resistant to scratches and large impacts in comparison with marble. Simultaneously, granite is much more defiant to acids these as vinegar, lemon juice, and tomato juice, along with other products with superior levels of acidity. To assist you far better recognize the strengths of both stones, let us get a closer appear as to how they have been shaped. Marble, and all its stone relatives - onyx, travertine, and limestone with the onset have been sediments produced of shells, plant matter, animal skeletons, and silt which all settled for the bottom of bodies of drinking water and soon after a long time of getting soaked in water, they solidify and develop into stones/ Marble’s main component is calcium and that is the motive why it has a tendency to react to acids this kind of as vinegar and also other drinks that include citrus. Granite, on the other hand, is made up of crystallized minerals formed inside the earth’s mantle at substantial temperature. The outcome is often a hard, very resistant stone. Marble can be scratched and etched by acids since it is made of calcium carbonate which can be very much like chalk but the only distinction is surface encounters marble is compressed and within a crystallized sort. Within the exact same way, marble has less patterns, the truth is it's much more frequently offered in its white shade so stains and mars may possibly stand out more uncovered in marble. Granite has a additional complex pattern which will cover the stains greater. Concerning models however, marble features a finer, additional tasteful seem than granite. The crystal formations in marble are much more satiny and finer in nature making it search more magnificent. Granite has larger, pea-sized crystals which can be coarser towards the eye.

Ultimately, on the subject of longevity, the granite countertop could well be much more tough and more resistant to stains and scratches although the seems are won by marble. Marble nonetheless is more affordable than granite but it calls for bigger routine maintenance. So, all of it boils down to that which you really want being a countertop. Would you settle for a countertop that is very hard-wearing and although not as rather as the other one, or would you trade magnificence for sturdiness and strength?

Monday, August 15, 2011

Background Examine Sources Simple And Price Efficient

Discovering the right people to perform for you personally has in no way been an straightforward career. Everyone is excellent at some thing but you need to determine if they are most likely to be fantastic at performing what you'll need them to complete. Not simply that, you have to also make certain that they are heading to fit in along with your business and current employees. This is why getting good employment track record methods is important when you're employing new workers.

I'm sure your quest for online background check free on-line has come to an finish as you study this publish. Yes, absent are those days when we have to research endlessly for background free online information or other such information like background totally free online,criminal background track record ,national criminal background checks or even possible employee background Even with out content articles for instance this, using the Internet all you have got to complete is log on and use any of the search engines to find the background examine totally free online info you need.

Use the forums-don't be frightened to join in on discussion board discussions with other site members. Inquire questions, share guidance and assemble your professional network com.Be an excellent listener-demonstrate a real interest in what the interviewer needs to say. Try not to interrupt by interjecting a comment while a person else is speaking (even when you are frightened you may neglect the stage you would prefer to produce).

The best way to retain employees at your production plant.How you are able to retain employees at your production plant In terms of employing workers you will find numerous suggestions and tricks which you are able to adhere to to hopefully employ probably the most efficient workers that you can locate.

Whenever you possess the persistence to go by means with the remainder of the write-up related to background examine free online you'll unquestionably comprehend 1 or two points which will show truly useful for you. Maintain right on studying and be correctly knowledgeable about check totally free online as well as other related track record free online,criminal history track record , nationwide criminal checks or possible worker track record check info.

In case you are looking to get a reputable company, you need to bear in thoughts that these services will arrive at a price. Generally, nonetheless, the charge is nominal. You will find sites that declare to offer a free service, but usually they are extremely very best avoided.

Dealing using the Colorado Springs criminal legislation just is not an normal factor and is also as a result best left to educated lawyers. The skilled Colorado criminal defen.If an employee has suffered an injury at his workplace then he has the right to declare for compensation. The insurance coverage businesses nevertheless make an work to stall the identical.

It may curiosity you to understand that plenty of folks looking for online background check totally free on-line also acquired information regarding other background examine totally free on-line,criminal background track record checks, nationwide criminal checks, as well as potential worker track record check right here easily.

What can go wrong will go incorrect, in the worst second. They may be because of human errors or oversight, incomplete or out-dated particulars, mistaken identification or identification theft and so forth. Whatever the situation is, we wouldn't be oblivious towards the harm or victimization and could be well-prepared to encounter up to issues if needed. And when we do turn up some factor unfavorable but accurate in the self-check, we obtain a chance to repair it ahead.

How to Develop a great Credit score and Background

Much more and much more loan companies, employers, landlords and insurance companies are checking your FICO score as part of their procedure of approving your loan, landing a job, having your personal home to live, or great prices offered for just about any kind of insurance coverage that you might have utilized for. To attain all of these issues which you are dreaming of accomplishing developing a great check my credit score background is the initial factor that you have to do if in situation you got one with a poor background.

Credit scores start from a low 300 towards the cream of the crop 850. A normal customer includes a credit score range of 600 to 700 but some may have much more than this. A FICO score is the foundation of most loan companies and credit bureaus of computing your creditworthiness. A good credit score score falls on an average of 720 and above. Exactly where does one get the info on their respective credit scores? By legislation this really is offered for totally free as soon as a year coming from the 3 major credit bureaus: Equifax, Experian and TransUnion. Your scores and credit score background shows your present and closed accounts also as your payment background.

Lenders do usually have a appear on your free credit score background as the basis on whether or not they'll grant your loan at a good interest rate or deny this completely. If right now you are interested on applying to get a mortgage that necessitates a high credit score then it could be best to apply for FICO score monitoring which usually gives you an update in your scores on the weekly basis. Subscribing to this on-line support alerts you when you have reach your high score objective so long as you setup a threshold for it. Some would go as far as sending you an sms to inform you whenever your scores have change for the better or for the worst.

To help you build a much better credit score score and history here are some easy recommendations to follow:

Request a copy of your credit history as required if not wait around for it as soon as a year but do monitor your background for any errors. If you see discrepancies then you are able to dispute them by heading via your reviews thoroughly.

Pay your expenses on time. Add some more around the minimum amount that you generally pay because this would trigger your credit score to rise and would be obvious for many lenders that you are a good borrower because you spend promptly and is also sincere in settling your bills.Steer clear of maxing out in your credit limit. This will certainly trigger your credit score scores to drop that fast. Cancel credit cards that you aren't using or don't need and pay promptly for your credit card bills.

Wednesday, August 3, 2011

Making Money Tips

The Worse CEO of All times: Jamie Dimon of JP MORGUE Chase and The FDIC

Summary of Claim - Overview

35. In and around 2004, JPMC's then-Chief Operating Ofﬁcer, James Dimon, resolved to improve JPMC's lack of market presence on the West Coast and in the south.

Dimon would, in 2005, take over JPMC as Chairman and Chief Executive Ofﬁcer. JPMC' sshareholders had been clamoring for Washington Mutual's network of bank branch holdings on the West Coast and south, and its large deposit base. Dimon, in response, promised to acquire banks in "fast-growing markets such as Florida, New Jersey and California," according to a March 28, 2005 Business Week article.

36. On July 29, 2004, at a company meeting with JPMC's branch managers, Dimon declared "Retail is not only here to stay, but you are a tremendous asset" Dimon promised to push to expand the retail business. Later that month, Dimon told analysts on a conference call that JPMC would be in position to make a "major acquisition" by early 2006. Upon information and belief, the intended "major acquisition" referred to by Dimon was Washington Mutual.

37. In January of 2005, in order to place insiders in his targeted company, Dimon sent a number

of senior and junior executives to Washington Mutual to begin "new chapters"in their lives. The most signiﬁcant transfer to Washington Mutual was Stephen J. Rotella, an I8-year veteran of JPMorgan Chase, who held the posts of chief executive ofﬁcer for Chase Home Finance, executive vice president for JPMorgan Chase, and member of the JPMorgan Chase executive committee. At Washington Mutual, Rotella took the job of president and chief operating ofﬁcer.

38. In addition to Rotella, at least four senior vice presidents and a chief ﬁnancialofﬁcer transferred from JPMC to Washington Mutual as plants in late 2004 and 2005. These included, Steve Fortunato, a 12 year veteran ofJPMC serving as Senior Vice President, Chase Home Finance, who was responsible at JPMC for, among other things, merger analysis, forecasting and mortgage servicing valuation; Tai Bindm, Chief Financial Ofﬁcer and Executive Vice President for Chase Home Finance; John Berens, senior vice president of default services, managing over 2,000 JPMC employees; Youyi Chen, PhD, senior vice president responsible for managing the interest rate risks of JP Morgan Chase's mortgage servicing rights (MSR) portfolio; and Bill Murray, a senior vice president, led the MSR valuation, pricing and reporting functions for JPMC's Capital Markets group. Upon information and belief, Rotella and the other JPMC executives that transferred to Washington

Mutual understood and agreed to help with Dimon's long term plan and goal for JPMC to acquire Washington Mutual, and thereafter provided substantial assistance to that end.

39. JPMC's and CEO Dimon's strategy of gaining an insider position was a well-trodden approach for them. They used this approach in 2006 to gain conﬁdential information regarding a client's natural gas derivatives trading positions, Amaranth. JPMC and Dimon used this conﬁdential information and misstatements about Amaranth's solvency to prevent

attempts to sell a block of its natural gas position to an outside party. JPMC inserted itself into the deal and reaped a proﬁt of more than $725 million. As reported by an online news source on November 15, 2006 and later cited in Amaranth's lawsuit against JPMC, a JPMC executive boasted of JPMC's ability to leverage its inside information sources:

"We are not exposed from a credit perspective, materially, which allows us to

respond quickly to opportunities when they come up. Amaranth was one

obvious example of that. I imagine there will be others as we go through time

where our ability to be on the inside, but not compromised, is extremely

powerful."

40. From 2005 to 2007, upon information and belief, JPMC gathered non-public

information from Rotella and the other former .JPMC executives placed at Washington Mutual relating to Washington Mutual's banking and mortgage markets, and statuses in those markets.

In addition, JPMC gathered this information regarding Washington Mutual and other banks from government regulators and monetary policymakers at the Ofﬁce of the Comptroller of the Currency, OTS, FDIC, Federal Reserve, and other individuals in governmental positions of power. JPMC used this information to build a "fortress balance sheet," from which it could later acquire Washington Mutual.

41. In 2006, Washington Mutual's credit rating was securely investment grade.

However, beginning in 2006 and continuing through 2008, lending institutions faced a difﬁcult business environment due to a deteriorating housing market, an increase in mortgage delinquencies and foreclosures, illiquidity and loss of value of asset-backed and mortgage-backed securities, and a general downturn in the global credit markets.

42. In April of 2008, despite having posted signiﬁcant losses, Washington Mutual'scredit was still investment grade and the company was solvent and liquid. At this time, JPMC made its ﬁrst attempt to acquire Washington Mutual, making a public offer to purchase Washington Mutual for $8 a share, or about $7 billion, in JPMC stock. Washington Mutual declined, and instead accepted a capital infusion by a private investor group of approximately $7 billion, at $8.75 per share.

43. The rejection did not deter JPMC, however. Instead, upon information and belief, JPMC began to exert pressure on the OTC, FDIC and other regulators to intensify oversight and reporting requirements of Washington Mutual, with the end goal of closing Washington Mutual in a seamless transfer of the valuable, cherry-picked, assets, while leaving the liabilities, to .JPMC. his was not the ﬁrst time JPMC pressured government ofﬁcials to gain undue advantage in its efforts to bid for an ailing competitor. As Reuters and the Washington Post reported in articles published on October 22, 2008, according to an "anonymous but speciﬁc" complaint to Senator Chuck Grassley, the ranking Republican on the Senate Finance Committee, the general counsel for JPMC and the enforcement director for the U.S. Securities and Exchange Commission had inappropriately discussed the details of SEC investigations into Bear Stearns in relation to JPMC's efforts to acquire Bear Stearns in March of 2008. Sen. Grassley, in a letter to SEC Chairman Christopher Cox, stated that Linda Thomsen, the SEC enforcement director, gave inside information to Stephen Cutler, the General Counsel ofJPMC (and himself a former SEC enforcement director), about the state of SEC investigations intoBear Stearns, which enabled JPMC to put together a low-ball bid to purchase Bear Stearns. JPMC ultimately won the Bear Stearns bidding with a bid of $2 per share, after the company had previously traded at $30.85 per share. JPMC later agreed to raise the price to about $10 per share. As Sen. Grassley's stated regarding JPMC's misuse of its personal relationship with an SEC ofﬁcial,

"This inside information, gotten through a personal relationship, would be critical in helping Morgan put together a low-bid Bear and the US government.”

45. In the Washington Mutual case, because of JPMC's pressure, U.S. Treasury

helping Secretary Henry Paulson in July of 2008 personally telephoned Washington Mutual's Chief Executive Ofﬁcer and advised him to sell Washington Mutual to JPMC. As reported in a Morgan

November 9, 2008 Seattle Times article citing Washington Mutual executives, Paulson warned the Washington Mutual's then-CEO, Kerry Killinger, "You should have sold to JP Morgan Chase in the spring, and you should do so now. Things could get a lot more difﬁcult for you."

46. During the summer of 2008, Defendants (JP Morgan Chase) engineered a campaign involving adverse media "leaks," stock sales, and deposit withdrawals designed to distort the market and regulatory perception of Washington Mutual's ﬁnancial health. Defendants (JP Morgan Chase) continued this campaign up until the seizure of WMB.

47. On or about September 4, 2008, the FDIC and JPMC discussed FDIC's oversight of Washington Mutual, according to a Wall Street Journal article dated September 29, 2008. The article cited "people familiar with the situation," who stated that the FDIC told JPMC that "the FDIC was carefully monitoring WaMu and that a seizure of its assets was likely." In addition, the FDIC told JPMC it wanted to immediately auction off the assets after the seizure. Therefore, upon information and belief, at or about the time of this communication, JPMC and the FDIC agreed to a plan whereby federal regulators would seize WMB and certain valuable assets would be passed to .JPMC, and certain liabilities excluded. From September 4, 2008 to September 25, 2008, JPMC and FDIC continued discussions regarding seizure of WMB and JPMC's purchase of WMB's valuable assets and stripping away WMB’s liabilities.

48. During late July and early September of 2008, the FDIC exerted pressure upon the OTS to seize WMB. A Wall Street Journal article dated September 27, 2008, stated that this pressure, and OTS's reluctance to downgrade Washington Mutual, continued for weeks.

49. On September 7, 2008, Washington Mutual entered into a memorandum of understanding with the OTS concerning "aspects of the banks operations, principally in several areas of its risk management and compliance functions, including its Bank Secrecy Act. compliance program." In this memorandum of understanding, Washington Mutual committed to provide the oars "an updated, multi-year business plan and forecast for its earnings, asset quality, capital and business segment performance." However, the business plan did not require the company to raise capital, increase liquidity or make changes to the products and services it provides to customers.

50. On September II, 2008, Washington Mutual released preliminary third quarter ﬁnancial results, which showed that the company was well capitalized and liquid. In its release, the company stated "Mlle company continues to maintain a strong liquidity position with

approximately $50 billion of liquidity from reliable funding sources. The

company's tier I leverage and total risk-based capital ratios at June 30, 2008

were 7.76% and 13.93%, respectively, which were signiﬁcantly above the

regulatory requirements for well-capitalized institutions. The company expects

both ratios to remain signiﬁcantly above the levels for well-capitalized

institutions at the end of the third quarter."

51. On or about September 12, Washington Mutual hired Goldman Sachs as an advisor to help ﬁnd a buyer for Washington Mutual.

52. On September 12, 2008, the Bloomberg ﬁnancial news organization reported

that .JPMC was in "advanced talks" to buy Washington Mutual. Negotiations were described as being conducted "at the highest levels of both companies" and included JPMC's CEO Dimon and Washington Mutual's CEO Alan Fishman. The government was not involved.

53. Based on its ongoing negotiations with the FDIC and the manner in which .JPMC later obtained Washington Mutual's assets, JPMC's "negotiations" with Washington Mutual were a sham and a pretext designed to gain access Washington Mutual's conﬁdential

ﬁnancial information. JPMC misrepresented to Washington Mutual that it would negotiate in good faith for the purchase of the company. It is apparent from the fact that the Washington Mutual board of directors and ofﬁcers were unaware of the inuninent seizure and simultaneous sale of WMB to JPMC, that JPMC did not disclose that it was negotiating separately with the FDIC for the seizure of WMB and purchase of its asgets. The fact that JPMC made no serious offer to Washington Mutual during September of 2008 for the purchase of the entire entity, but instead negotiated with the FDIC for the purchase of the cherry-picked assets out of receivership indicates that JPMC never had any intention to directly deal with Washington Mutual regarding purchase of Washington Mutual or any part thereof.

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20. In September of 2008, motivated by greed and unrestrained by moral or legal boundaries, the Defendants (JP Morgan Chase) exploited a perceived liquidity crisis in the banking industry to improperly and illegally take advantage of the ﬁnancial difﬁculties of Washington Mutual, Inc.

("WM1'), the nation's largest savings and loan association. Defendants (JP Morgan Chase) used the crisis as a backdrop and lever to negotiate the seizure and sale of the banking operations of WMI--Washington Mutual Bank, Henderson, NV and Washington Mutual Bank, FSB, Park City, UT (together, "Washington Mutual Bank" or "WMB")--stripped of liabilities, from federal regulators. In negotiating with the federal regulators, JPMC misused conﬁdential ﬁnancial information of WMI and WMB (collectively referred to as "Washington Mutual") that it had gained through deceptive means and under false pretenses. JPMC's purchase of WashingtonMutual's core operations from federal regulators culminated a years-long scheme designed to wrongfully exploit the opportunity of a ﬁnancial crisis in Washington Mutual.

21. On September 25, 2008, after weeks of pressure by the Defendants (JP Morgan Chase) upon Federal

Deposit Insurance Corporation (the "FDIC") and other federal regulators, the FDIC and the Ofﬁce of Thrift Supervision (the "OTS") agreed to the Defendants (JP Morgan Chase)' terms. On that day, the OTS seized Washington Mutual Bank ("WMB"), passed the bank to the FDIC as receiver, and the FDIC sold the crown jewels of Washington Mutual to ..JPMC at a ﬁre sale price. In the deal, JPMC acquired the extensive banking franchise of Washington Mutual for the severely undervalued sum of 31.9 billion. In one scene of the movie, Wall Street: Money Never Sleeps, big time capitalists, Bretton James and Louis Zabel, are negotiating a stock bailout for Zabel’s firm, Keller Zabel Investments. In doing so, they reveal two powerful negotiating techniques that can help you secure the best deal.

James offers Zabel a measly $2 per share. “Under these conditions”, starts off James, “… [James and co] are prepared to risk $2 a share”.

“2 bucks?”, questions Zabel, breaking out in a nervous laughter shocked by the ridiculously low offer. “You're out of your mind. The stock was trading at 79 a month ago. Our building alone is worth more than 2 bucks a share. My board will never accept this. There is no way I'm going to sell for 2 bucks a share.”

The government representative steps in to back up James, telling Zabel that the government could never justify a high price for his firm and that he has no other option. If he doesn’t sell then he faces bankruptcy.

But Zabel remains unmoved. “I'll take my chances in bankruptcy court before I sell to that barracuda” angrily responds Zabel.

A blanket of silence falls over the room. It looks like the deal is off. Neither party is willing to pay the price the other is wanting.

The Defining Moment

Realising that the negotiation has reached stalemate, James decides to do something completely unexpected. While he really wants to buy Zabel’s firm and knows he is getting a great deal, he decides to walk away.

“Then we have nothing more to talk about” says James as he gets up out of his chair and turns to walk away.

But just as James reaches the door, Zabel calls out "6". It’s a counter offer.

“3 and that's it” responds James.

“5”

“3”

“Alright, we'll call it an even 4. So we don't look so god damn pathetic.”

James pauses for a moment, looks at his colleague for confirmation, who nods back at him in agreement, before taking a step forward. “3, and not a dime more,” says James and locks in the deal.

There are two key negotiation techniques used in the scene above.

Negotiation Technique 1: Use Anchoring and Adjustment

James started at $2 and Zabel started at $6. In what is called Anchoring and Adjustment (see Those Clever People at Wikipedia and a little phenomenon called anchoring) initial values, regardless of how extreme, have a strong affect on final values. In this case, James used a $2 anchor, not because he thought he would get it for such a low price but because he knew it would get Zabel to start thinking low values. To counter that effect, Zabel used a $6 counter anchor to get James to start thinking higher values.

If you are selling, start by asking a high price. If you are buying, start with a low price. The technique will subtly but strongly influence the figure the other party has in their mind, therefore allowing you to get the best price.

Despite the effectiveness of the technique, however, many people will not feel comfortable asking for an excessively high or low figure because they don't want to appear unreasonable. That is, they don’t want to risk the Zabellian response, ‘are you out of your mind?’

For those people, negotiation technique two provides for a more comfortable approach.

Negotiation Technique 2: Walk Away

Who wins in a negotiation? The one who is willing to walk away.

Guess what? Be willing to walk away. Even if you are willing to pay the asking price, pretend like you can walk away. This technique is especially useful for people who don’t see themselves as hard line negotiators.

Why? Because you do not have to haggle, you do not have to offer unreasonable figures, and you do not have to have a big mouth to use this technique. All it requires is that you risk not making the purchase on that very day, which, for most purchases worth negotiating for, is worth risking for.

Here’s How You Do It:

Next time you are negotiating with a business supplier, nicely tell the person:

“Thanks for your help but the price you’re offering is beyond my budget” (or whatever reason you want to give).

“But I’ll tell you what I’ll do. I’ll leave you my name and number and if you can do me a better deal, then give me a call and we can take it from there."

Now if that is the best price the salesperson can do then you probably will not get a phone call, in which case you can just go back the next day or so and buy the product. But if they can do you a better deal then they will call you. After all, you have already proved to them that you are not willing to pay their asking price.

What is more, 9 times out of 10 you will not even have to come back. If the salesperson is able to do a better deal, they will usually offer it to you on the spot. It will probably be along the lines of, “alright let me try asking my manager again and see if we can do you a better deal”.

Having been on both sides of the negotiation table (as a salesperson and as a buyer), I have seen this technique work over and over for all deals great and small. It is not only one of the most powerful negotiation techniques, but also one of the easiest and comfortable to use, which makes it all the more useful in securing yourself the best deal.

internet reputation management services

CBS News Chief: 'We Did Lose Some Viewers' During Katie Couric ...

Jeff Fager sees a brighter future ahead with Scott Pelley as anchor.

CBS News Chief: 'We Did Lose Some Viewers' During Katie Couric ...

08/03/2011: U.S. Department of Justice, EPA to Hold News ...

3, 2011) - Representatives of the U.S. Department of Justice and the U.S. Environmental Protection Agency will hold a news conference at 1:30 p.m. tomorrow, Thursday, Aug. 4, in St. Louis, Mo., to discuss a significant ...

08/03/2011: U.S. Department of Justice, EPA to Hold News ...

News In Brief: Life - Science News

Flowery advertising, tempting toilets for shrews, bat beacons and more in this week's news.

News In Brief: Life - Science News

Monday, August 1, 2011

manage personal finances

The Wisconsin recall elections are coming up soon. One district has an interesting choice to make. It seems that State Rep. John Nygren didn't gather enough signatures to climb onto the recall ballot for Senator Dave Hansen's seat, leaving David Vanderleest as the sole Republican challenger. Problem is, David Vanderleest has a few legal issues that might stand between him and victory.

JSOnline:

Specifically, he was convicted of disorderly conduct, a Class B misdemeanor, in 2007. He said the conviction was part of a plea deal in a domestic dispute.

That same year, a bank foreclosed his Green Bay house, which was sold at a sheriff's sale.

Another bank, Associated Bank, won a court judgment for nearly $30,000 against VanderLeest and his company, VanderLeest Enterprises. That sum has never been paid, VanderLeest acknowledged.

In addition, VanderLeest and his then-wife filed for Chapter 7 bankruptcy in 2006, meaning he did not have to repay most of his creditors. The bankruptcy filings show that they reported $118,341 in assets and $291,674 in liabilities, including unpaid credit card debts, health care bills and loans.

"I had a marriage fall apart and I was in real estate," VanderLeest said. "I'm not ashamed of that."

Asked why the voters should select him to oversee a multibillion-dollar budget given his personal financial problems, VanderLeest said the answer is simple.

"I represent the average person who's struggling," he said.

VanderLeest said he expects to be targeted by top officials in Green Bay. The city has taken him to court over building code violations at properties he owns, leading to more than $1,300 in fines for VanderLeest. His buildings were deemed nuisance properties.

On a personal level, I could probably overlook the foreclosure and other financial problems detailed in his rather lengthy court file. But that domestic dispute plea deal really bothers me. Domestic dispute? Was that a domestic dispute that was a really loud fight outside or was it the kind of domestic dispute where he put hands (or fists) on his spouse and left bruises? Which kind gets charges brought and a plea deal made?

TPM has the text of his one-paragraph statement in response to criticism about his litigious past. I offer it here as it was written.

I am an advocate for truth in Brown County. I have sued public officials for curruption and abuse of power, as an attempt to protect the hard working taxpayers, of NE WI. (see federal court case number 07-c-318) I am inocent of every criminal case ever brought against me. Every accusation ever brought fourth, happened because my then wife had a drinking problem, and made false accusations that she later recanted. These cases were intensified at the hand of currupt officials, who viewed me as a political threat, and wanted to silence, suppress, and minimize me, like Democratic Party of Wisconsin Chairman Mike Tate tryed to do today. Crooked public officals like this do not deserve the public trust. They fear my ability to polarize the public and expose true corruption that takes place at the hand of public officials who have different political views then me. People like this have no morals, and only care about winning, at any and all cost. These officials do not care who they hurt in the process, they are simply interested in protecting their place at the public trough. Hurting David VanderLeest and his seven year old son James, are just ways of getting currupt official the means they desire.

Everyone else is corrupt, everyone else has a problem, and everyone else is conspiring against this guy to hurt him. And you know what? Even the spelling police have abandoned him.

Just what Wisconsin needs. A guy who wears the mantle of perpetual victimhood, can't spell, can't manage his finances, and expects voters to simply trust him.

Blue America is raising money to help send Republicans in Wisconsin back to the rocks they crawled out from under. If you can, a donation would be most welcome.

Yodlee, the provider of personal financial management most well known for its account aggregation, today announced that it has crossed the 30 million users milestone. Founded in 1999, Yodlee has raised over $100 million in funding and has quietly built a suite of financial management solutions that power many large financial institutions and portals, including Bank of America, Fidelity, and Amex.

Yet, for having raised significant capital and having survived more than a decade’s worth of financial vagaries, Yodlee remains somewhat under the radar — this in spite of the fact that Yodlee has offered its services to all Y Combinator startups and was originally provided Mint.com (one of its more notable, nominal competitors) with its back end technology, until Mint was acquired by Intuit in 2009.

As Mike Arrington wrote at the time, Yodlee provided its financial account aggregating services to Mint early in its career, allowing Mint to focus on user experience and launch significant marketing campaigns. The startup went on to create a significant buzz in the industry, nearly overshadowing its predecessor.

That being said, Yodlee continues to outpace Mint.com, which currently boasts 5 million users, as it has built a platform that has come to function as the backend for the majority of online personal financial management services.

Yodlee crossing the 30 million user milestone seems a testament to the fact that online banking has transitioned into personal financial management, as users are increasingly expecting to be able to manage all of their finances on one customizable platform. Adding app-based mobile functionality, too, with its FinApp Store, which offers an open API for developers to build apps for the startup’s various products, has helped Yodlee become one of the more notable online financial services providers.

Yet, even though Yodlee was recently awarded its 45th patent, counts 5 of the top 10 U.S. banks as customers, and now has over 30 million registered users, it continues to look for that elusive exit, which Mint.com was able to find in a matter of years.

Perhaps with those 45 patents issued, which range from data aggregation and categorization to instant account verification and personal finance management, Yodlee’s investment in the creation of intellectual properties is beginning to pay off.

victoriayhul