Making Money Online With

The power of hands-on learning is indisputable. But when it comes to investing your money in the stock market, however, making a beginner’s mistake can cost you more than just your self-esteem. Thankfully, the web makes it easy to practice with virtual money.

There are a multitude of online investment games like Investopedia and gnuTrade that play with virtual money, but not all of them are easy for beginners. Here are five of the best free (because you shouldn’t have to spend real money to play with fake money) online games for getting your feet wet.

1. Wall Street Survivor

Invest $100,000 in virtual cash via drop-down menu choices. A friendly cartoon version of stock guru Mark Brookshire helps you make your final decision by providing some rating numbers when you input a stock. These include a rating for survivor sentiment, fundamentals, technical and a Motley Fool class='blippr-nobr'>Ratingclass="blippr-nobr">Rating.

For additional help choosing stocks, the site has an impressive resource library that spans beginner, intermediate and advanced levels. Start with Investing 101 and consider taking advantage of the community forums if you have specific questions. Those who need a little help getting started can also choose to adapt one of the preset portfolios created by proven traders.

While the $100,000 competition is most popular, anybody on the site can create a contest. Prizes vary, but most often consist of competitive pride.

2. HowTheMarketWorks

Owned by the same company as Wall Street Survivor, this game is great for investors looking to gain experience with a new type of portfolio. In addition to stocks and indexes, there are options to experiment with Forex portfolios, penny stocks, mutual funds and short selling.

Beginners can execute market order-based trades in a “fun mode” without worrying about things like set hours, maximum number of trades per day, per stock and order expiration. A “realistic mode” amps up the complexity after they’ve mastered the beginner level.

Players can manage up to three stock portfolios and three Forex portfolios on the site at once. For each portfolio, they select a starting value between $100 and $500,000 and set how much virtual commission you are charged per trade.

The competition aspect is optional. General monthly contests give each player $25,000 as a virtual starting point. Other public contests include challenging restrictions like “short sells only” or “penny stocks only.” Users can create their own password-protected games as well, which is a feature that teachers find helpful for creating class competitions.

3. Young Money Stock Market Game

Young Money Magazine’s stock exchange game is easy to learn but also fairly realistic, which is a hard balance to strike.

Realistic aspects include a virtual commission that’s taken out of each trade, adhering to market hours and rules about how you can invest. Unlike many investing games, trades are made at a real-time price. Learning aspects include convenient help icons on key terms and an intuitive tabbed interface.

The site runs a monthly contest with a $100 (real) cash prize that goes to whoever gained the highest percentage. Players can also create their own contests or join other user-made contests.

4. MarketWatch Fantasy Earnings Trader Game

MarketWatch will run this mock stock market contest for a total of four weeks, awarding the winner of each week with an iPad. It’s on week three right now, but there’s still time to get in on the competition for week four.

You must have your selections picked before the week starts on Monday. The shares that you select are “purchased” at Monday’s open and will “sell” automatically at Friday’s close.

The catch is that all players can only use the 15 to 20 symbols selected for each week. The companies are selected by the game owner for companies that are projecting their earnings during each week. Lining up picks is easy — players simply drag the company’s logo to their trading card and designate if they want to sell short or go long.

Although there are some pros playing, this game is especially manageable for beginners due to the limited stock options for each week.

5. UpDown

Like Young Money’s game, UpDown has helpful icons that explain key terms for beginners. More comprehensive resources in the education center mercifully cover even the most basic of investing concepts.

Community features, like the opportunity to collaborate with a group and to see the most-bought and most-sold stocks, are also helpful for beginners. The “watch list” tool provides a convenient dashboard for monitoring potential picks.

UpDown sponsors a monthly contest that rewards players who beat the market with real cash.

More Business Resources from Mashable:

- 5 Lessons to Learn from Web Startups/> - 20 of the Best Resources to Get Your Startup Off the Ground/> - 5 Startup Tips From the Father of Gmail and FriendFeed/> - 6 Ways to Recruit Talent for Startups/> - 10 Essential Tips for Building Your Small Biz Team

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, H-Gall

For more Business coverage:

class="f-el">class="cov-twit">Follow Mashable Businessclass="s-el">class="cov-rss">Subscribe to the Business channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

Dr. Rado Kotorov is chief innovation officer at Information Builders, and is responsible for emerging reporting, analytic and visualization technologies. He has developed analytic models and applications for the pharmaceutical, retail, CPG, financial and automotive industries.

You’ve likely been experiencing a deluge of online information coming at you in recent years — an overwhelming number of status updates, e-mails, tagged images and so forth. You’ve probably also seen, and potentially been alarmed by, the growing accuracy of targeted advertisements — “People You May Know,” and other “offers” online.

As the quantity of irrelevant information has exploded online, so too has the market for the delivery of targeted offers and information. Social networks, in theory and in practice, expose many people to contact and influence. Without precise models, people will continue to be bombarded with ineffective offers and other irrelevant information. Predictive analytics, a branch of data mining concerned with predicting future probabilities and trends, applies a filter to users’ online interactions with the aim of delivering more value from a sea of irrelevance.

With increased value comes the potential for social networks to make money as well. Here’s a look at some specific ways in which predictive analytics will make social networks money.

Recruiting

Many recruiting sites out there on the web, from LinkedInclass="blippr-nobr">LinkedIn to SelectMinds to Monster, promise to be able to match candidates with job requirements in unique and increasingly accurate ways. Predictive analytics is at the core of their business model, as it automates the process of making these matches.

When a recruiter posts a job description, a predictive algorithm runs through candidates and calculates compatibility. The technology is, in many cases, embedded in search applications. The most accurate and efficient of these analytics will deliver the most value and see the greatest adoption over time. Those recruiting and talent acquisition sites that allow businesses to leverage the existing social networks of their current and former employees are the best positioned to monetize their users’ employment data in new ways. Businesses can get value from these existing networks without the time and resource commitment it takes to build their own.

Sentiment Analysis

As sites like Twitterclass="blippr-nobr">Twitter and Facebookclass="blippr-nobr">Facebook gain value to the business world, many companies have cropped up to analyze and establish what the sentiment is of the collective online intelligence and also to identify individuals with influence and authority. Companies including Klout, ViralHeat and Radian6class="blippr-nobr">Radian6 all scan blogs and other social media channels with predictive models to determine if the content surrounding a brand or person is negative, positive or neutral. As this information becomes increasingly valuable to businesses of all sizes, these sentiment analysis companies are expected to grow rapidly.

Market Fluctuation

Social media channels are open to everyone. Day traders, retail investors and analysts are cruising around on Twitter and Facebook. What these types of people say and do online is not insignificant in an era when [Flash Crashes and Fat Fingers] are being closely scrutinized and regulated. New models are cropping up to predict stock fluctuations based on Twitter posts. Similar to sentiment analysis, these companies are able to look at the total number of tweets, as well as positive and negative comments to predict whether a stock price will go up or down. These types of companies will become a hot commodity as investors begin to rely on the wisdom of crowds.

Recommendation Engines

No one likes to be bombarded with irrelevant offers and content while using their favorite social network. But the more active you are online, the more effectively predictive analytics can work to deliver targeted and relevant offers.

Sometimes it feels like Facebook knows you better than you know yourself. RSVPed “Yes” to that big gala? You may see a discount offer for Saks. [Are you a woman between the ages of 18 and 34? A Facebook ad may tell you how you can lose those extra inches around your waist.] These offers are no longer random and are therefore increasingly effective. Leveraging the existing data from your previous activity to predict what will happen in the future is becoming, rightly, more prevalent and valuable to social networks that can sell this promise to businesses and intermediaries.

Location-Based Marketing

Do you walk down the same street at dinner time every day? Wish restaurants on that street would compete in real-time for your business?

As social networks add in more location-aware features like Facebook Places and whole new businesses are built on the promise of geo-location including SCVNGR and ShopKick, predictive analytics deliver insights into where groups and individuals will be and when, not to mention what their interests may be. For businesses, there is big money to be spent on location-based advertising in the coming years. As a result, social networks can run their existing location data through predictive models to provide companies with future insights into where to allocate their marketing and advertising budgets for the biggest returns.

More Business Resources from Mashable:

- How Companies Can Use Sentiment Analysis to Improve Their Business/> - HOW TO: Earn Some Inexpensive Online Exposure for Your Small Business/> - HOW TO: Accept Credit Card Payments on Mobile Devices/> - 6 Tips on Starting a Digital Business from the Founder of Pandora/> - 5 Big Social Media Questions from Small Business Owners

Images courtesy of iStockphotoclass="blippr-nobr">iStockphoto, Nikada, AUDINDesign

For more Business coverage:

class="f-el">class="cov-twit">Follow Mashable Businessclass="s-el">class="cov-rss">Subscribe to the Business channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

FAIR Blog » Blog Archive » Juan Williams, Fox <b>News</b> Liberal

It's not totally clear what he means by that, but Williams does a pretty good job as a Fox News Liberal-- i.e., someone willing to attack left-liberal groups and leaders while doing very little to promote an actual left-leaning ...

Sad <b>news</b> for the New York baseball world

You probably didn't know Bill Shannon, but if you did, you would have liked him a lot. Bill died tragically on Tuesday morning, the victim of a fire in his New Jersey home. He was 69. Bill was the senior...

<b>News</b> Article “ « Climate Science: Roger Pielke Sr.

October 26, 2010...2:01 pm. News Article “. There was a news article today in the Boulder Camera by Laura Snider titled. Boulder scientists: Space tourism could contribute to climate change. The article includes the text ...

bench craft company complaints
bench craft company complaints

FAIR Blog » Blog Archive » Juan Williams, Fox <b>News</b> Liberal

It's not totally clear what he means by that, but Williams does a pretty good job as a Fox News Liberal-- i.e., someone willing to attack left-liberal groups and leaders while doing very little to promote an actual left-leaning ...

Sad <b>news</b> for the New York baseball world

You probably didn't know Bill Shannon, but if you did, you would have liked him a lot. Bill died tragically on Tuesday morning, the victim of a fire in his New Jersey home. He was 69. Bill was the senior...

<b>News</b> Article “ « Climate Science: Roger Pielke Sr.

October 26, 2010...2:01 pm. News Article “. There was a news article today in the Boulder Camera by Laura Snider titled. Boulder scientists: Space tourism could contribute to climate change. The article includes the text ...

bench craft company complaints bench craft company complaints

The power of hands-on learning is indisputable. But when it comes to investing your money in the stock market, however, making a beginner’s mistake can cost you more than just your self-esteem. Thankfully, the web makes it easy to practice with virtual money.

There are a multitude of online investment games like Investopedia and gnuTrade that play with virtual money, but not all of them are easy for beginners. Here are five of the best free (because you shouldn’t have to spend real money to play with fake money) online games for getting your feet wet.

1. Wall Street Survivor

Invest $100,000 in virtual cash via drop-down menu choices. A friendly cartoon version of stock guru Mark Brookshire helps you make your final decision by providing some rating numbers when you input a stock. These include a rating for survivor sentiment, fundamentals, technical and a Motley Fool class='blippr-nobr'>Ratingclass="blippr-nobr">Rating.

For additional help choosing stocks, the site has an impressive resource library that spans beginner, intermediate and advanced levels. Start with Investing 101 and consider taking advantage of the community forums if you have specific questions. Those who need a little help getting started can also choose to adapt one of the preset portfolios created by proven traders.

While the $100,000 competition is most popular, anybody on the site can create a contest. Prizes vary, but most often consist of competitive pride.

2. HowTheMarketWorks

Owned by the same company as Wall Street Survivor, this game is great for investors looking to gain experience with a new type of portfolio. In addition to stocks and indexes, there are options to experiment with Forex portfolios, penny stocks, mutual funds and short selling.

Beginners can execute market order-based trades in a “fun mode” without worrying about things like set hours, maximum number of trades per day, per stock and order expiration. A “realistic mode” amps up the complexity after they’ve mastered the beginner level.

Players can manage up to three stock portfolios and three Forex portfolios on the site at once. For each portfolio, they select a starting value between $100 and $500,000 and set how much virtual commission you are charged per trade.

The competition aspect is optional. General monthly contests give each player $25,000 as a virtual starting point. Other public contests include challenging restrictions like “short sells only” or “penny stocks only.” Users can create their own password-protected games as well, which is a feature that teachers find helpful for creating class competitions.

3. Young Money Stock Market Game

Young Money Magazine’s stock exchange game is easy to learn but also fairly realistic, which is a hard balance to strike.

Realistic aspects include a virtual commission that’s taken out of each trade, adhering to market hours and rules about how you can invest. Unlike many investing games, trades are made at a real-time price. Learning aspects include convenient help icons on key terms and an intuitive tabbed interface.

The site runs a monthly contest with a $100 (real) cash prize that goes to whoever gained the highest percentage. Players can also create their own contests or join other user-made contests.

4. MarketWatch Fantasy Earnings Trader Game

MarketWatch will run this mock stock market contest for a total of four weeks, awarding the winner of each week with an iPad. It’s on week three right now, but there’s still time to get in on the competition for week four.

You must have your selections picked before the week starts on Monday. The shares that you select are “purchased” at Monday’s open and will “sell” automatically at Friday’s close.

The catch is that all players can only use the 15 to 20 symbols selected for each week. The companies are selected by the game owner for companies that are projecting their earnings during each week. Lining up picks is easy — players simply drag the company’s logo to their trading card and designate if they want to sell short or go long.

Although there are some pros playing, this game is especially manageable for beginners due to the limited stock options for each week.

5. UpDown

Like Young Money’s game, UpDown has helpful icons that explain key terms for beginners. More comprehensive resources in the education center mercifully cover even the most basic of investing concepts.

Community features, like the opportunity to collaborate with a group and to see the most-bought and most-sold stocks, are also helpful for beginners. The “watch list” tool provides a convenient dashboard for monitoring potential picks.

UpDown sponsors a monthly contest that rewards players who beat the market with real cash.

More Business Resources from Mashable:

- 5 Lessons to Learn from Web Startups/> - 20 of the Best Resources to Get Your Startup Off the Ground/> - 5 Startup Tips From the Father of Gmail and FriendFeed/> - 6 Ways to Recruit Talent for Startups/> - 10 Essential Tips for Building Your Small Biz Team

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, H-Gall

For more Business coverage:

class="f-el">class="cov-twit">Follow Mashable Businessclass="s-el">class="cov-rss">Subscribe to the Business channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

Dr. Rado Kotorov is chief innovation officer at Information Builders, and is responsible for emerging reporting, analytic and visualization technologies. He has developed analytic models and applications for the pharmaceutical, retail, CPG, financial and automotive industries.

You’ve likely been experiencing a deluge of online information coming at you in recent years — an overwhelming number of status updates, e-mails, tagged images and so forth. You’ve probably also seen, and potentially been alarmed by, the growing accuracy of targeted advertisements — “People You May Know,” and other “offers” online.

As the quantity of irrelevant information has exploded online, so too has the market for the delivery of targeted offers and information. Social networks, in theory and in practice, expose many people to contact and influence. Without precise models, people will continue to be bombarded with ineffective offers and other irrelevant information. Predictive analytics, a branch of data mining concerned with predicting future probabilities and trends, applies a filter to users’ online interactions with the aim of delivering more value from a sea of irrelevance.

With increased value comes the potential for social networks to make money as well. Here’s a look at some specific ways in which predictive analytics will make social networks money.

Recruiting

Many recruiting sites out there on the web, from LinkedInclass="blippr-nobr">LinkedIn to SelectMinds to Monster, promise to be able to match candidates with job requirements in unique and increasingly accurate ways. Predictive analytics is at the core of their business model, as it automates the process of making these matches.

When a recruiter posts a job description, a predictive algorithm runs through candidates and calculates compatibility. The technology is, in many cases, embedded in search applications. The most accurate and efficient of these analytics will deliver the most value and see the greatest adoption over time. Those recruiting and talent acquisition sites that allow businesses to leverage the existing social networks of their current and former employees are the best positioned to monetize their users’ employment data in new ways. Businesses can get value from these existing networks without the time and resource commitment it takes to build their own.

Sentiment Analysis

As sites like Twitterclass="blippr-nobr">Twitter and Facebookclass="blippr-nobr">Facebook gain value to the business world, many companies have cropped up to analyze and establish what the sentiment is of the collective online intelligence and also to identify individuals with influence and authority. Companies including Klout, ViralHeat and Radian6class="blippr-nobr">Radian6 all scan blogs and other social media channels with predictive models to determine if the content surrounding a brand or person is negative, positive or neutral. As this information becomes increasingly valuable to businesses of all sizes, these sentiment analysis companies are expected to grow rapidly.

Market Fluctuation

Social media channels are open to everyone. Day traders, retail investors and analysts are cruising around on Twitter and Facebook. What these types of people say and do online is not insignificant in an era when [Flash Crashes and Fat Fingers] are being closely scrutinized and regulated. New models are cropping up to predict stock fluctuations based on Twitter posts. Similar to sentiment analysis, these companies are able to look at the total number of tweets, as well as positive and negative comments to predict whether a stock price will go up or down. These types of companies will become a hot commodity as investors begin to rely on the wisdom of crowds.

Recommendation Engines

No one likes to be bombarded with irrelevant offers and content while using their favorite social network. But the more active you are online, the more effectively predictive analytics can work to deliver targeted and relevant offers.

Sometimes it feels like Facebook knows you better than you know yourself. RSVPed “Yes” to that big gala? You may see a discount offer for Saks. [Are you a woman between the ages of 18 and 34? A Facebook ad may tell you how you can lose those extra inches around your waist.] These offers are no longer random and are therefore increasingly effective. Leveraging the existing data from your previous activity to predict what will happen in the future is becoming, rightly, more prevalent and valuable to social networks that can sell this promise to businesses and intermediaries.

Location-Based Marketing

Do you walk down the same street at dinner time every day? Wish restaurants on that street would compete in real-time for your business?

As social networks add in more location-aware features like Facebook Places and whole new businesses are built on the promise of geo-location including SCVNGR and ShopKick, predictive analytics deliver insights into where groups and individuals will be and when, not to mention what their interests may be. For businesses, there is big money to be spent on location-based advertising in the coming years. As a result, social networks can run their existing location data through predictive models to provide companies with future insights into where to allocate their marketing and advertising budgets for the biggest returns.

More Business Resources from Mashable:

- How Companies Can Use Sentiment Analysis to Improve Their Business/> - HOW TO: Earn Some Inexpensive Online Exposure for Your Small Business/> - HOW TO: Accept Credit Card Payments on Mobile Devices/> - 6 Tips on Starting a Digital Business from the Founder of Pandora/> - 5 Big Social Media Questions from Small Business Owners

Images courtesy of iStockphotoclass="blippr-nobr">iStockphoto, Nikada, AUDINDesign

For more Business coverage:

class="f-el">class="cov-twit">Follow Mashable Businessclass="s-el">class="cov-rss">Subscribe to the Business channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

bench craft company complaints

FAIR Blog » Blog Archive » Juan Williams, Fox <b>News</b> Liberal

It's not totally clear what he means by that, but Williams does a pretty good job as a Fox News Liberal-- i.e., someone willing to attack left-liberal groups and leaders while doing very little to promote an actual left-leaning ...

Sad <b>news</b> for the New York baseball world

You probably didn't know Bill Shannon, but if you did, you would have liked him a lot. Bill died tragically on Tuesday morning, the victim of a fire in his New Jersey home. He was 69. Bill was the senior...

<b>News</b> Article “ « Climate Science: Roger Pielke Sr.

October 26, 2010...2:01 pm. News Article “. There was a news article today in the Boulder Camera by Laura Snider titled. Boulder scientists: Space tourism could contribute to climate change. The article includes the text ...

bench craft company complaints bench craft company complaints

FAIR Blog » Blog Archive » Juan Williams, Fox <b>News</b> Liberal

It's not totally clear what he means by that, but Williams does a pretty good job as a Fox News Liberal-- i.e., someone willing to attack left-liberal groups and leaders while doing very little to promote an actual left-leaning ...

Sad <b>news</b> for the New York baseball world

You probably didn't know Bill Shannon, but if you did, you would have liked him a lot. Bill died tragically on Tuesday morning, the victim of a fire in his New Jersey home. He was 69. Bill was the senior...

<b>News</b> Article “ « Climate Science: Roger Pielke Sr.

October 26, 2010...2:01 pm. News Article “. There was a news article today in the Boulder Camera by Laura Snider titled. Boulder scientists: Space tourism could contribute to climate change. The article includes the text ...

bench craft company complaints bench craft company complaints

FAIR Blog » Blog Archive » Juan Williams, Fox <b>News</b> Liberal

It's not totally clear what he means by that, but Williams does a pretty good job as a Fox News Liberal-- i.e., someone willing to attack left-liberal groups and leaders while doing very little to promote an actual left-leaning ...

Sad <b>news</b> for the New York baseball world

You probably didn't know Bill Shannon, but if you did, you would have liked him a lot. Bill died tragically on Tuesday morning, the victim of a fire in his New Jersey home. He was 69. Bill was the senior...

<b>News</b> Article “ « Climate Science: Roger Pielke Sr.

October 26, 2010...2:01 pm. News Article “. There was a news article today in the Boulder Camera by Laura Snider titled. Boulder scientists: Space tourism could contribute to climate change. The article includes the text ...

bench craft company complaints bench craft company complaints

How to Making Money

We see you out there — the future musicians of the world, pouring coffee, mixing drinks, designing websites for shifty moving companies, all the while dreaming of making it big: signing to a label, cutting a record, reaping the benefits that only a throng of gaping groupies can herald.

While not all of you will make the proverbial “Big Time” — we can’t all be Lady Gaga, nor should we strive to be — that doesn’t mean that you can’t reap some monetary benefits for your musical labor.

Jeff Price, founder of TuneCore, recently wrote on the company blog: “More musicians are making money off their music now at any point in history… Technology has made it possible for any artist to get distribution, to get discovered, to pursue his/her dreams with no company or person out there making the editorial decision that they are not allowed ‘in.’”

We would tend to agree (with the caveat that such openness has also led to a more crowded music scene, with more bands fighting for the public’s attention — but that’s a post for another day).

If you want to start seeing some payback for all your hard work, you don’t have to wait around for a label exec to catch your jazz flute set at the local coffee shop and catapult you to stardom. There are a ton of services out there that can help you make some cash, while also gaining exposure and experience.

class='blippr-nobr'>Mashableclass="blippr-nobr">Mashable spoke with folks from a quartet of such services in order to help you, the artist, devote more time to your lute than those lattes.

Note that none of the below are get-rich-quick schemes, so it might be wise to hang onto your day job — even if it is designing graphic tees for tiny dogs.

Go Into Show Business

Service: Jingle Punks

We know, we know, the moment a song makes it into the commercial, it’s an immediate sign that a band has “sold out.” But, c’mon, guys — do you really want your favorite drummer/banjo player/keytarist working in a taco trunk in order to survive? Yeah, thin may be in when it comes to the indie scene, but musicians need to eat, after all.

That’s why services like Jingle Punks can really be a boon to bands. Jingle Punks — which is basically the Pandoraclass="blippr-nobr">Pandora of music licensing services — focuses on providing filmmakers, TV networks, media companies and ad companies with music from up-and-coming bands. Band and Punks split the earnings 50/50.

“We work in a very smart but unsexy part of the music business,” says co-founder Jared Gutstadt. “Most artists tend to spend their time focusing on the old standards of how to ‘make it.’ They’re still thinking about record deals, pub deals, merch, touring. To really stand out and compete with this type of competition you need to be thinking about launching a music career in a much more unique way.”

Why Use This Service?

According to Gutstadt, “Music in film and television is a great way for artists to get the word out there. More importantly, you can generate money to help fund the growth of a band’s musical endeavors.”

In addition, the service makes use of the democratic nature of the web to get your music into the right hands. “In the past, the way people used to pitch music for media placements is that they would mail CDs off to as many music supes or producers they could,” Gutstadt says. “We have removed the giant pile of CDs on peoples’ desks and aggregated them into a user-friendly database organized in a dynamic way.”

What’s the ROI?

According to Gutstadt, money made runs the gamut. “It can be anywhere from $250 for a web placement all the way up to $30,000 for getting music in a commercial or motion picture,” he says. “, you make money over time through royalties paid out by BMI and ASCAP, who are able to track usage. I always tell artists its not a get-rich-quick scheme as much as it is a way to make some money over time off your hard work.”  

So Who has Succeeded?

“We work with an artist named Mike Del Rio (see above) and his music was used in a rebranding effort by the History Channel.  The channel has really embraced Mike and Jingle Punks and has a couple things in the pipeline that could do great things to really help launch Mike Del Rio’s career on a more mainstream level.  

“We also work with a really great band called I Love Monsters, and their music was placed in the season premiere of Entourage. This type of exposure can be great for an up-and-coming band.”

Collaborate

Service: Indaba Music

We’ve seen instances of bands forming partnerships through Twitter and the like, but wouldn’t it be easier for y’all to have everything in one place?

I mean, it’s enough of a hassle to get all your gear into a single taxi (can’t afford two) before a gig, why add 50 social media tools into the mix? That’s where services like Indaba Music — which is like the class='blippr-nobr'>LinkedInclass="blippr-nobr">LinkedIn of music — come in.

Indaba is a platform — boasting more than 500,000 musicians — that provides musically inclined folks with a place to build a profile, promote their tunes and collaborate with other musicians from around the world.

Why Use This Service?

According to co-founder Dan Zaccagnino, “There are many ways for musicians to make money using Indaba Music. The core of the platform is about collaboration, which can be just for fun, but can also generate income for musicians through work-for-hire sessions (where a musician is paid for his/her tracks) or collaborations where songwriters share in the ownership of the song.”

In addition, Indaba features a ton of contests that “give both amateur and professional musicians a chance to collaborate with world-famous artists and in the process win cash or possibly participate in future royalties if the winners’ material is released,” Zaccagnino says.

What’s the ROI?

“There are incredible opportunities to gain experience on Indaba because the community is full of everyone from amateurs eager to learn, to music educators, to Grammy Award winners,” Zaccagnino says.

“Members learn from one another through contacting and communicating with people online, having music peer reviewed in sessions and contests, learning from master-artists through our Artist-in-Residence programs, taking online video lessons, and much more.

“Education is a big priority for us and it’s been amazing to see that organically happen because musicians are interested in helping one another.”

So Who has Succeeded?

Zaccagnino cites the following examples:

Linkin Park + NoBrain (see above)

Indaba member NoBrain’s mix was included on Linkin Park’s album A Thousand Suns and got the opportunity to collaborate directly with Linkin Park front man, Mike Shinoda, through Indaba Music.

Rivers Cuomo Producer Sessions

Rivers Cuomo of Weezer started a few sessions on IndabaMusic.com and began working with members to produce rough demos that he had written with his wife.  Rivers used Indaba’s session platform to work collaboratively, utilizing the commenting system to engage musicians and achieve exactly what he envisioned.  The producers were also paid for their work.

David Minnick/PBS The Music Instinct

PBS ran a contest to source music for an upcoming show about music and the brain. It found the winner, David Minnick, to be so talented that it hired him to arrange music for another show.

Toshi Osawa and Pikes Peak Ringers – Yo-Yo Ma Collaboration Winners

Yo-Yo Ma was so impressed by the quality of musical collaborations that he picked two winners, an 18-piece hand bell choir from Denver and a speed-Metal guitarist from Canada. Yo-Yo invited them into the studio to record with him in a truly unique collaboration — both tracks were later released as bonus tracks to Yo-Yo Ma’s holiday album, Songs of Joy & Peace.

Partner Up

Service: YouTube’s Musicians Wanted Program

At last year’s SXSW, YouTubeclass="blippr-nobr">YouTube launched a partner program for up-and-coming musicians, and, just recently, the program went from U.S.-only to international.

If you have a YouTube channel, and you’re pumping out the music vids like an A-V nerd on a sugar high, you should apply for this program post haste. Basically, it allows you to make some extra cash by adding ads to your videos and garners you more exposure from YouTube with prime placement.

Why Use This Service?

It’s all about getting your name out there, and getting your music heard, right? So go where the people are. Every day, YouTube racks up more than 2 billion video views. That’s a lot of eyes. Still, every minute, the site sees 24 hours of video uploaded, which means your genius work could get lost in the shuffle. That’s why the partner program is a must — you get the YouTube stamp of approval, which brings more attention to your work.

What’s the ROI?

YouTube couldn’t tell us how much money you can earn from the program, but they did tell us that artists get the majority share of the revenue — not to mention access to those millions of viewers. You need to be consistent with your channel, though, and really focus on putting out lots of original content. So if you’re only down to make one vid, this might not be the option for you. In order to see ROI, you have to put in the time and effort.

So Who has Succeeded?

YouTube has helped launch the careers of score of performers — from Justin Bieber to Pomplamoose./> Kina Grannis is one such artist. “I joined YouTube three years ago when I was in a contest called Doritos Crash The Super Bowl,” Grannis told us. “I needed to get people to vote for me every day in order to get my music video played during the Super Bowl (which it did, woo!), so the hope was that by agreeing to post a new video every day, people, in exchange, would come back and vote daily. This run of putting up a video every day lasted about two months in total, and while it made me crazy and sleep deprived, it was also fun and exciting and very helpful in growing my viewers.

“Post with consistency if possible,” Grannis advises artists. “Be genuine, talk to your supporters, be grateful.”

If You Can’t Beat Them, Join Them

Service: BitTorrent Featured Artist Program

OK, we know what you’re thinking — you hear the word “BitTorrent” and you’re about ready to rage, am I right? File sharing is the monster under the bed for many an artist. It connotes theft, basically. Still, the model — when used correctly — can really be a boon to lesser-known artists.

We spoke to Trent Reznor — who is well-known for having released his music via torrent sites in the past — who told us: “I felt furious when the record I’d worked on for a year, that my heart and soul’s gone into, . I’m pissed off at people that are listening to it. I’m mad that they’re snubbing me — by what? By being excited about hearing my music? And that’s wrong. I shouldn’t be mad at these people. I should be glad that people are interested.”

“Easy for you to say, Trent Reznor,” you might scoff, “You’re already famous.” Well — there’s the rub, right? You’re not famous. And you want to be. Or, at the very least, you want someone other than your roommate to come to your gig — and perhaps buy a T-shirt or two. And how do you do that? By getting the attention of the masses, of course.

Last month, BitTorrent launched a Featured Artist pilot program in an effort to give musicians more exposure. Some likened such an endeavor to getting in bed with the devil, but when you really think about it, what’s the difference between applying for the program and putting your music on class='blippr-nobr'>MySpaceclass="blippr-nobr">MySpace or SoundCloud or any other music-sharing site? Well, that would be BitTorrent’s 80 million users.

We’re not saying that file sharing is totally copacetic or anything (there are a lot of pirates in them waters), but it’s not like BitTorrent is out to ruin your career, either. “In many ways, Trent Reznor’s work inspired a lot of our work,” says CEO Eric Klinker. “We really do want to riff on a lot of what he’s done. He’s in an experimentation phase, as are we.”

Why Use This Service?

“The Featured Artists pilot program encourages musicians and filmmakers to submit creative works for the chance to be spotlighted to millions of BitTorrent users around the world,” Klinker says. “For a lot of artists it is about creating a sustainable business model that will allow them to continue their creative works. So, we are interested in working with artists to experiment with various business models that play to the strengths of the class='blippr-nobr'>Internetclass="blippr-nobr">Internet while allowing them to tune into the distribution potential of BitTorrent to reach millions of consumers.”

What’s the ROI?

“In today’s digital age, the traditional model does not serve artists in the same way it used to, and instead forces them all down the same funnel where only a select few ultimately receive distribution,” Klinker says. “With BitTorrent’s Featured Artist Pilot Program, artists can tap into online communities and reach millions of people who might otherwise be inaccessible. These communities are powerful and provide intrinsic value for emerging artists trying to build a fan base. In doing so, these are fans that will invariably attend shows, purchase merchandise and become invested in future works.”/>  /> So Who has Succeeded?

Since the service just launched last month, there aren’t any featured artists yet, but the site has seen some success with the musician PAZ (see above), who has been working with BitTorrent.

“Most recently, in August 2010, BitTorrent released PAZ’s debut mix tape, Young Broke and Fameless,” Klinker says. “On the first day alone the release saw over 100,000 downloads, and as a result has increased his fan base and following.”

More Social Music Resources from Mashable:

- Top 10 Twitter Tips for Bands, By Bands/> - 5 Great Ways to Find Music That Suits Your Mood/> - 5 Free Ways to Identify that Song Stuck in Your Head/> - HOW TO: Turn Your Android Phone Into a Killer MP3 Player/> - 10 Amazing Musical Instrument iPhone Apps

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, shulz

For more Entertainment coverage:

class="f-el">class="cov-twit">Follow Mashable Entertainmentclass="s-el">class="cov-rss">Subscribe to the Entertainment channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

Editor’s note: This is a guest post by HubPages CEO Paul Edmondson on how Hubpages succeeded in amassing visitors.

After the recent TechCrunch post about HubPages, we received several questions about how HubPages got to 39 million unique visitors per month.  Here’s how we did it:

Four years ago, during our launch in August 2006, we wanted to do three main things to create a successful social content community: first, we wanted to make it easy for authors to create a one-page topical website; second, we wanted to drive traffic to the author’s content; and third, we wanted to share the majority of the revenue back with the author.

We had planned for natural search to be a major source of traffic, but it wasn’t until November of 2006 that we started to get measurable traffic from search engines.  To this day, we continue to refine our platform to help authors on HubPages to have the best opportunity to show up in the natural search results.  One of the key metrics we learned was about the longevity of content.  Content created on HubPages peaks in traffic on average nearly three years after it’s created.  This knowledge helped our business become more predictable.  For the author, creating a HubPages article is like putting a little bit of money in the bank that is going to increase its value over the next three years and then continue at that level for the foreseeable future.  The large quantity of content that was created early in the life of HubPages dramatically increased in revenue over 3 years, and allowed us to continue to grow the company.

We became a metrics focused company.  The two key drivers of our business are Hub production and revenue per thousand Hub views.  Based on these drivers, we developed a model that allowed us to do sophisticated micro-marketing including search engine marketing to attract writers.  Through analysis of Hubs created by new authors, our models are able to predict a close estimate of the traffic and revenue that a new author will generate over various time intervals. This prediction model has been significant in our growth.

In the early days, we decided we didn’t want to be the arbiter of quality or try to control what people wrote, but we soon discovered that high-quality authors and advertisers did not feel comfortable with the fully open publishing platform that included adult content. So, in July of 2007, about a year after our launch, we modified our terms of service and took leading steps in the social content category to become a porn-free site.  The short-term impact was over a 30% drop in traffic, but it reaped long term gains.  We also continued to build anti-spam technologies and put in place requirements for publishing on HubPages that improves the overall quality.

Then we wanted to give insight to authors about the type of content we saw working well on HubPages so that they could earn more. We started hosting contests about writing on evergreen topics.  We started incorporating analytics into each page of the site that showed authors their traffic sources.

We continue to invest in specialty tools that teach authors what pages to link to with the Interlinking Tool and how to refine the titles of their Hubs with the Title Tuner Beta.  By taking the data we collected, and putting it inline with the tools, authors became more successful on our platform.

HubPages is a set of technologies, but we really are about authors.  We took pro-writer stances by letting the author choose what they wanted to write on, and giving them ownership of their content, so that the revenue they earn can increase over time.  As the author community grew, we built features that fostered communication – like the ability to follow and compliment other authors.  As a result, HubPages’ reputation as a writing community continues to grow.

Now, going on our fifth year of business and with nearly 140% growth in the last 12 months in terms of visitors, I can see the site growing well into the future based on our three original tenets of making it easy to create content, driving traffic and sharing the revenue.

Google donates $5 million for <b>news</b> innovation to Knight Foundation <b>...</b>

Google and news organizations have had a rocky time of it. To overdramatize the situation only slightly: Google insists that it cares about journalism as a.

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Oct. 26 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: The dollar fell to a 15-year low against the yen yesterday, fueling speculation that major countries will continue ...

Er, great <b>news</b>: George Lucas may be planning new “Star Wars <b>...</b>

My instinct is to shudder; most of you, I suspect, will react the same way. And let's pause here to appreciate how amazing that is. So reviled are the prequels that news of new entries in the greatest sci-fi franchise in movie history ...

bench craft company complaints
bench craft company complaints

Google donates $5 million for <b>news</b> innovation to Knight Foundation <b>...</b>

Google and news organizations have had a rocky time of it. To overdramatize the situation only slightly: Google insists that it cares about journalism as a.

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Oct. 26 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: The dollar fell to a 15-year low against the yen yesterday, fueling speculation that major countries will continue ...

Er, great <b>news</b>: George Lucas may be planning new “Star Wars <b>...</b>

My instinct is to shudder; most of you, I suspect, will react the same way. And let's pause here to appreciate how amazing that is. So reviled are the prequels that news of new entries in the greatest sci-fi franchise in movie history ...

bench craft company complaints bench craft company complaints

We see you out there — the future musicians of the world, pouring coffee, mixing drinks, designing websites for shifty moving companies, all the while dreaming of making it big: signing to a label, cutting a record, reaping the benefits that only a throng of gaping groupies can herald.

While not all of you will make the proverbial “Big Time” — we can’t all be Lady Gaga, nor should we strive to be — that doesn’t mean that you can’t reap some monetary benefits for your musical labor.

Jeff Price, founder of TuneCore, recently wrote on the company blog: “More musicians are making money off their music now at any point in history… Technology has made it possible for any artist to get distribution, to get discovered, to pursue his/her dreams with no company or person out there making the editorial decision that they are not allowed ‘in.’”

We would tend to agree (with the caveat that such openness has also led to a more crowded music scene, with more bands fighting for the public’s attention — but that’s a post for another day).

If you want to start seeing some payback for all your hard work, you don’t have to wait around for a label exec to catch your jazz flute set at the local coffee shop and catapult you to stardom. There are a ton of services out there that can help you make some cash, while also gaining exposure and experience.

class='blippr-nobr'>Mashableclass="blippr-nobr">Mashable spoke with folks from a quartet of such services in order to help you, the artist, devote more time to your lute than those lattes.

Note that none of the below are get-rich-quick schemes, so it might be wise to hang onto your day job — even if it is designing graphic tees for tiny dogs.

Go Into Show Business

Service: Jingle Punks

We know, we know, the moment a song makes it into the commercial, it’s an immediate sign that a band has “sold out.” But, c’mon, guys — do you really want your favorite drummer/banjo player/keytarist working in a taco trunk in order to survive? Yeah, thin may be in when it comes to the indie scene, but musicians need to eat, after all.

That’s why services like Jingle Punks can really be a boon to bands. Jingle Punks — which is basically the Pandoraclass="blippr-nobr">Pandora of music licensing services — focuses on providing filmmakers, TV networks, media companies and ad companies with music from up-and-coming bands. Band and Punks split the earnings 50/50.

“We work in a very smart but unsexy part of the music business,” says co-founder Jared Gutstadt. “Most artists tend to spend their time focusing on the old standards of how to ‘make it.’ They’re still thinking about record deals, pub deals, merch, touring. To really stand out and compete with this type of competition you need to be thinking about launching a music career in a much more unique way.”

Why Use This Service?

According to Gutstadt, “Music in film and television is a great way for artists to get the word out there. More importantly, you can generate money to help fund the growth of a band’s musical endeavors.”

In addition, the service makes use of the democratic nature of the web to get your music into the right hands. “In the past, the way people used to pitch music for media placements is that they would mail CDs off to as many music supes or producers they could,” Gutstadt says. “We have removed the giant pile of CDs on peoples’ desks and aggregated them into a user-friendly database organized in a dynamic way.”

What’s the ROI?

According to Gutstadt, money made runs the gamut. “It can be anywhere from $250 for a web placement all the way up to $30,000 for getting music in a commercial or motion picture,” he says. “, you make money over time through royalties paid out by BMI and ASCAP, who are able to track usage. I always tell artists its not a get-rich-quick scheme as much as it is a way to make some money over time off your hard work.”  

So Who has Succeeded?

“We work with an artist named Mike Del Rio (see above) and his music was used in a rebranding effort by the History Channel.  The channel has really embraced Mike and Jingle Punks and has a couple things in the pipeline that could do great things to really help launch Mike Del Rio’s career on a more mainstream level.  

“We also work with a really great band called I Love Monsters, and their music was placed in the season premiere of Entourage. This type of exposure can be great for an up-and-coming band.”

Collaborate

Service: Indaba Music

We’ve seen instances of bands forming partnerships through Twitter and the like, but wouldn’t it be easier for y’all to have everything in one place?

I mean, it’s enough of a hassle to get all your gear into a single taxi (can’t afford two) before a gig, why add 50 social media tools into the mix? That’s where services like Indaba Music — which is like the class='blippr-nobr'>LinkedInclass="blippr-nobr">LinkedIn of music — come in.

Indaba is a platform — boasting more than 500,000 musicians — that provides musically inclined folks with a place to build a profile, promote their tunes and collaborate with other musicians from around the world.

Why Use This Service?

According to co-founder Dan Zaccagnino, “There are many ways for musicians to make money using Indaba Music. The core of the platform is about collaboration, which can be just for fun, but can also generate income for musicians through work-for-hire sessions (where a musician is paid for his/her tracks) or collaborations where songwriters share in the ownership of the song.”

In addition, Indaba features a ton of contests that “give both amateur and professional musicians a chance to collaborate with world-famous artists and in the process win cash or possibly participate in future royalties if the winners’ material is released,” Zaccagnino says.

What’s the ROI?

“There are incredible opportunities to gain experience on Indaba because the community is full of everyone from amateurs eager to learn, to music educators, to Grammy Award winners,” Zaccagnino says.

“Members learn from one another through contacting and communicating with people online, having music peer reviewed in sessions and contests, learning from master-artists through our Artist-in-Residence programs, taking online video lessons, and much more.

“Education is a big priority for us and it’s been amazing to see that organically happen because musicians are interested in helping one another.”

So Who has Succeeded?

Zaccagnino cites the following examples:

Linkin Park + NoBrain (see above)

Indaba member NoBrain’s mix was included on Linkin Park’s album A Thousand Suns and got the opportunity to collaborate directly with Linkin Park front man, Mike Shinoda, through Indaba Music.

Rivers Cuomo Producer Sessions

Rivers Cuomo of Weezer started a few sessions on IndabaMusic.com and began working with members to produce rough demos that he had written with his wife.  Rivers used Indaba’s session platform to work collaboratively, utilizing the commenting system to engage musicians and achieve exactly what he envisioned.  The producers were also paid for their work.

David Minnick/PBS The Music Instinct

PBS ran a contest to source music for an upcoming show about music and the brain. It found the winner, David Minnick, to be so talented that it hired him to arrange music for another show.

Toshi Osawa and Pikes Peak Ringers – Yo-Yo Ma Collaboration Winners

Yo-Yo Ma was so impressed by the quality of musical collaborations that he picked two winners, an 18-piece hand bell choir from Denver and a speed-Metal guitarist from Canada. Yo-Yo invited them into the studio to record with him in a truly unique collaboration — both tracks were later released as bonus tracks to Yo-Yo Ma’s holiday album, Songs of Joy & Peace.

Partner Up

Service: YouTube’s Musicians Wanted Program

At last year’s SXSW, YouTubeclass="blippr-nobr">YouTube launched a partner program for up-and-coming musicians, and, just recently, the program went from U.S.-only to international.

If you have a YouTube channel, and you’re pumping out the music vids like an A-V nerd on a sugar high, you should apply for this program post haste. Basically, it allows you to make some extra cash by adding ads to your videos and garners you more exposure from YouTube with prime placement.

Why Use This Service?

It’s all about getting your name out there, and getting your music heard, right? So go where the people are. Every day, YouTube racks up more than 2 billion video views. That’s a lot of eyes. Still, every minute, the site sees 24 hours of video uploaded, which means your genius work could get lost in the shuffle. That’s why the partner program is a must — you get the YouTube stamp of approval, which brings more attention to your work.

What’s the ROI?

YouTube couldn’t tell us how much money you can earn from the program, but they did tell us that artists get the majority share of the revenue — not to mention access to those millions of viewers. You need to be consistent with your channel, though, and really focus on putting out lots of original content. So if you’re only down to make one vid, this might not be the option for you. In order to see ROI, you have to put in the time and effort.

So Who has Succeeded?

YouTube has helped launch the careers of score of performers — from Justin Bieber to Pomplamoose./> Kina Grannis is one such artist. “I joined YouTube three years ago when I was in a contest called Doritos Crash The Super Bowl,” Grannis told us. “I needed to get people to vote for me every day in order to get my music video played during the Super Bowl (which it did, woo!), so the hope was that by agreeing to post a new video every day, people, in exchange, would come back and vote daily. This run of putting up a video every day lasted about two months in total, and while it made me crazy and sleep deprived, it was also fun and exciting and very helpful in growing my viewers.

“Post with consistency if possible,” Grannis advises artists. “Be genuine, talk to your supporters, be grateful.”

If You Can’t Beat Them, Join Them

Service: BitTorrent Featured Artist Program

OK, we know what you’re thinking — you hear the word “BitTorrent” and you’re about ready to rage, am I right? File sharing is the monster under the bed for many an artist. It connotes theft, basically. Still, the model — when used correctly — can really be a boon to lesser-known artists.

We spoke to Trent Reznor — who is well-known for having released his music via torrent sites in the past — who told us: “I felt furious when the record I’d worked on for a year, that my heart and soul’s gone into, . I’m pissed off at people that are listening to it. I’m mad that they’re snubbing me — by what? By being excited about hearing my music? And that’s wrong. I shouldn’t be mad at these people. I should be glad that people are interested.”

“Easy for you to say, Trent Reznor,” you might scoff, “You’re already famous.” Well — there’s the rub, right? You’re not famous. And you want to be. Or, at the very least, you want someone other than your roommate to come to your gig — and perhaps buy a T-shirt or two. And how do you do that? By getting the attention of the masses, of course.

Last month, BitTorrent launched a Featured Artist pilot program in an effort to give musicians more exposure. Some likened such an endeavor to getting in bed with the devil, but when you really think about it, what’s the difference between applying for the program and putting your music on class='blippr-nobr'>MySpaceclass="blippr-nobr">MySpace or SoundCloud or any other music-sharing site? Well, that would be BitTorrent’s 80 million users.

We’re not saying that file sharing is totally copacetic or anything (there are a lot of pirates in them waters), but it’s not like BitTorrent is out to ruin your career, either. “In many ways, Trent Reznor’s work inspired a lot of our work,” says CEO Eric Klinker. “We really do want to riff on a lot of what he’s done. He’s in an experimentation phase, as are we.”

Why Use This Service?

“The Featured Artists pilot program encourages musicians and filmmakers to submit creative works for the chance to be spotlighted to millions of BitTorrent users around the world,” Klinker says. “For a lot of artists it is about creating a sustainable business model that will allow them to continue their creative works. So, we are interested in working with artists to experiment with various business models that play to the strengths of the class='blippr-nobr'>Internetclass="blippr-nobr">Internet while allowing them to tune into the distribution potential of BitTorrent to reach millions of consumers.”

What’s the ROI?

“In today’s digital age, the traditional model does not serve artists in the same way it used to, and instead forces them all down the same funnel where only a select few ultimately receive distribution,” Klinker says. “With BitTorrent’s Featured Artist Pilot Program, artists can tap into online communities and reach millions of people who might otherwise be inaccessible. These communities are powerful and provide intrinsic value for emerging artists trying to build a fan base. In doing so, these are fans that will invariably attend shows, purchase merchandise and become invested in future works.”/>  /> So Who has Succeeded?

Since the service just launched last month, there aren’t any featured artists yet, but the site has seen some success with the musician PAZ (see above), who has been working with BitTorrent.

“Most recently, in August 2010, BitTorrent released PAZ’s debut mix tape, Young Broke and Fameless,” Klinker says. “On the first day alone the release saw over 100,000 downloads, and as a result has increased his fan base and following.”

More Social Music Resources from Mashable:

- Top 10 Twitter Tips for Bands, By Bands/> - 5 Great Ways to Find Music That Suits Your Mood/> - 5 Free Ways to Identify that Song Stuck in Your Head/> - HOW TO: Turn Your Android Phone Into a Killer MP3 Player/> - 10 Amazing Musical Instrument iPhone Apps

Image courtesy of iStockphotoclass="blippr-nobr">iStockphoto, shulz

For more Entertainment coverage:

class="f-el">class="cov-twit">Follow Mashable Entertainmentclass="s-el">class="cov-rss">Subscribe to the Entertainment channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

Editor’s note: This is a guest post by HubPages CEO Paul Edmondson on how Hubpages succeeded in amassing visitors.

After the recent TechCrunch post about HubPages, we received several questions about how HubPages got to 39 million unique visitors per month.  Here’s how we did it:

Four years ago, during our launch in August 2006, we wanted to do three main things to create a successful social content community: first, we wanted to make it easy for authors to create a one-page topical website; second, we wanted to drive traffic to the author’s content; and third, we wanted to share the majority of the revenue back with the author.

We had planned for natural search to be a major source of traffic, but it wasn’t until November of 2006 that we started to get measurable traffic from search engines.  To this day, we continue to refine our platform to help authors on HubPages to have the best opportunity to show up in the natural search results.  One of the key metrics we learned was about the longevity of content.  Content created on HubPages peaks in traffic on average nearly three years after it’s created.  This knowledge helped our business become more predictable.  For the author, creating a HubPages article is like putting a little bit of money in the bank that is going to increase its value over the next three years and then continue at that level for the foreseeable future.  The large quantity of content that was created early in the life of HubPages dramatically increased in revenue over 3 years, and allowed us to continue to grow the company.

We became a metrics focused company.  The two key drivers of our business are Hub production and revenue per thousand Hub views.  Based on these drivers, we developed a model that allowed us to do sophisticated micro-marketing including search engine marketing to attract writers.  Through analysis of Hubs created by new authors, our models are able to predict a close estimate of the traffic and revenue that a new author will generate over various time intervals. This prediction model has been significant in our growth.

In the early days, we decided we didn’t want to be the arbiter of quality or try to control what people wrote, but we soon discovered that high-quality authors and advertisers did not feel comfortable with the fully open publishing platform that included adult content. So, in July of 2007, about a year after our launch, we modified our terms of service and took leading steps in the social content category to become a porn-free site.  The short-term impact was over a 30% drop in traffic, but it reaped long term gains.  We also continued to build anti-spam technologies and put in place requirements for publishing on HubPages that improves the overall quality.

Then we wanted to give insight to authors about the type of content we saw working well on HubPages so that they could earn more. We started hosting contests about writing on evergreen topics.  We started incorporating analytics into each page of the site that showed authors their traffic sources.

We continue to invest in specialty tools that teach authors what pages to link to with the Interlinking Tool and how to refine the titles of their Hubs with the Title Tuner Beta.  By taking the data we collected, and putting it inline with the tools, authors became more successful on our platform.

HubPages is a set of technologies, but we really are about authors.  We took pro-writer stances by letting the author choose what they wanted to write on, and giving them ownership of their content, so that the revenue they earn can increase over time.  As the author community grew, we built features that fostered communication – like the ability to follow and compliment other authors.  As a result, HubPages’ reputation as a writing community continues to grow.

Now, going on our fifth year of business and with nearly 140% growth in the last 12 months in terms of visitors, I can see the site growing well into the future based on our three original tenets of making it easy to create content, driving traffic and sharing the revenue.


bench craft company complaints

Google donates $5 million for <b>news</b> innovation to Knight Foundation <b>...</b>

Google and news organizations have had a rocky time of it. To overdramatize the situation only slightly: Google insists that it cares about journalism as a.

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Oct. 26 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: The dollar fell to a 15-year low against the yen yesterday, fueling speculation that major countries will continue ...

Er, great <b>news</b>: George Lucas may be planning new “Star Wars <b>...</b>

My instinct is to shudder; most of you, I suspect, will react the same way. And let's pause here to appreciate how amazing that is. So reviled are the prequels that news of new entries in the greatest sci-fi franchise in movie history ...

bench craft company complaints bench craft company complaints

Google donates $5 million for <b>news</b> innovation to Knight Foundation <b>...</b>

Google and news organizations have had a rocky time of it. To overdramatize the situation only slightly: Google insists that it cares about journalism as a.

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Oct. 26 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: The dollar fell to a 15-year low against the yen yesterday, fueling speculation that major countries will continue ...

Er, great <b>news</b>: George Lucas may be planning new “Star Wars <b>...</b>

My instinct is to shudder; most of you, I suspect, will react the same way. And let's pause here to appreciate how amazing that is. So reviled are the prequels that news of new entries in the greatest sci-fi franchise in movie history ...

bench craft company complaints bench craft company complaints

Google donates $5 million for <b>news</b> innovation to Knight Foundation <b>...</b>

Google and news organizations have had a rocky time of it. To overdramatize the situation only slightly: Google insists that it cares about journalism as a.

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Oct. 26 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: The dollar fell to a 15-year low against the yen yesterday, fueling speculation that major countries will continue ...

Er, great <b>news</b>: George Lucas may be planning new “Star Wars <b>...</b>

My instinct is to shudder; most of you, I suspect, will react the same way. And let's pause here to appreciate how amazing that is. So reviled are the prequels that news of new entries in the greatest sci-fi franchise in movie history ...

bench craft company complaints bench craft company complaints

Making Fast Money

Maria Shriver, in conjunction with the Alzheimer's Association, has launched a new campaign against Alzheimer's Disease (AD). But she doesn't want simply to treat AD, she wants to beat AD. And in setting such an ambitious goal, she is invoking the memory of her famous uncle, John F. Kennedy, the greatest goal-setter in modern American history.

It was JFK, of course, who declared in 1962 that America would put a man on the moon by the end of the decade--and we did. To this day, Kennedy's Apollo space program is the gold standard for governmental effectiveness. When people think about the "can do" America that seems to be slipping away, the moon landing comes up as a nostalgic beacon of hope and optimism. So when Shriver declared to Diane Sawyer on ABC News Monday night, "We can launch an expedition on the brain, much like President Kennedy launched an expedition to the moon," she summoned up powerful resonances.

In fact, by taking her beat-is-better-than-treat message to venues ranging from "The View" to "This Week" to Time magazine, Shriver is likely to change the frame of the healthcare debate--that is, change it from its current focus on bean-counting finance to a renewed focus on heroic medicine.

Here's why: After two years of Verdun-like fighting over healthcare policy, both parties will wake up in 2011 to realize that the battle was fought over a relatively minor aspect of the overall topic of medicine: healthcare for the uninsured. We can say that the uninsured were a moral blot on us all, but we can also say that at any given time, the problem of actual illness--our own and that of others--is a greater concern.

AD is a case in point. Currently, 5.3 million Americans suffer from AD, and that number is expected to triple in the next 40 years. The ailment is not only a personal and family tragedy; it is an enormous national expense--$170 billion and rising fast. And that rapid cost-increase will not be affected by the shifting fortunes of partisanship, nor by changing the financing mechanism for AD treatment. To put it bluntly, it doesn't much matter whether AD treatment for tens of millions of American is financed by the government, or by insurance companies, or by personal health savings accounts. If the money has to be spent, it will be spent. American compassion, not to mention AARP, will make sure of that.

Yet Shriver has a different, and better, idea: "bend the curve" on AD costs by curing the malady itself. As she told Sawyer: "We've  got to find a cure to this disease, otherwise it will bankrupt every family in this country, and it will bankrupt us as a nation."

Few would disagree, of course, that cure is better than care. Or would they? For decades now, the policy emphasis on Washington has been on "universal coverage," pro and con. But in the multi-decade rumble over national health insurance--by no means over, even after the enactment of Obamacare--both parties have focused so intensely on healthcare finance that they have lost sight of curative medicine itself. Perhaps everyone will be covered--but covered for what? If there's no cure for the disease, coverage doesn't mean much.

Indeed, we spend a mere $500 million a year on AD research--and why, according to the NIH, we have no effective treatment; the anti-AD effort is under-capitalized. Indeed, of the $2.6 trillion that we spend on healthcare in the US, barely more than $100 billion goes to medical R&D.

Once upon a time, political leaders thought differently. Franklin D. Roosevelt wanted to cure polio, and so in 1938, he set in motion the March of Dimes. Seventeen years later, we had the Salk Vaccine. The issue back then was obvious: Nobody wanted insurance for polio, they wanted the elimination of polio. OK, that was long ago and far away. Yet even as recently as the 80s and 90s, a joint public-private commitment created treatments for AIDS, making AIDS in the West, at least, a mostly manageable disease.

It's that goal-oriented approach to medicine that Shriver wants to rekindle. Can we do it? The truth is, we have to. We have to reorient ourselves, as a society, toward curing disease, as opposed to paying for disease. Among other considerations, it's cheaper.

Indeed, one can even see the outlines of a future "grand compromise" in Shriver's efforts. That is, we can link a cure for AD--or at least a push-back for its onset--with a raising of the retirement age. That's a deal most senior citizens would get behind.

As we admire Shriver for her determination and vision, we can also note that a cure strategy for AD would be good politics.  From left to right, from blue to red, everyone wants to be healthy.  And the voters, across the ideological spectrum, stand ready to reward the politicians who help them find a better life and a dignified old age.  The pols haven't quite received that message yet, but Maria Shriver will help make sure that they will.

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Fox <b>News</b> Gives Juan Williams $2 Million Contract | 89.3 KPCC

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The Buffalo News updated every day with news from Buffalo, New York. Links to national and business news, entertainment listings, recipes, sports teams, classified ads, death notices.

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Maria Shriver, in conjunction with the Alzheimer's Association, has launched a new campaign against Alzheimer's Disease (AD). But she doesn't want simply to treat AD, she wants to beat AD. And in setting such an ambitious goal, she is invoking the memory of her famous uncle, John F. Kennedy, the greatest goal-setter in modern American history.

It was JFK, of course, who declared in 1962 that America would put a man on the moon by the end of the decade--and we did. To this day, Kennedy's Apollo space program is the gold standard for governmental effectiveness. When people think about the "can do" America that seems to be slipping away, the moon landing comes up as a nostalgic beacon of hope and optimism. So when Shriver declared to Diane Sawyer on ABC News Monday night, "We can launch an expedition on the brain, much like President Kennedy launched an expedition to the moon," she summoned up powerful resonances.

In fact, by taking her beat-is-better-than-treat message to venues ranging from "The View" to "This Week" to Time magazine, Shriver is likely to change the frame of the healthcare debate--that is, change it from its current focus on bean-counting finance to a renewed focus on heroic medicine.

Here's why: After two years of Verdun-like fighting over healthcare policy, both parties will wake up in 2011 to realize that the battle was fought over a relatively minor aspect of the overall topic of medicine: healthcare for the uninsured. We can say that the uninsured were a moral blot on us all, but we can also say that at any given time, the problem of actual illness--our own and that of others--is a greater concern.

AD is a case in point. Currently, 5.3 million Americans suffer from AD, and that number is expected to triple in the next 40 years. The ailment is not only a personal and family tragedy; it is an enormous national expense--$170 billion and rising fast. And that rapid cost-increase will not be affected by the shifting fortunes of partisanship, nor by changing the financing mechanism for AD treatment. To put it bluntly, it doesn't much matter whether AD treatment for tens of millions of American is financed by the government, or by insurance companies, or by personal health savings accounts. If the money has to be spent, it will be spent. American compassion, not to mention AARP, will make sure of that.

Yet Shriver has a different, and better, idea: "bend the curve" on AD costs by curing the malady itself. As she told Sawyer: "We've  got to find a cure to this disease, otherwise it will bankrupt every family in this country, and it will bankrupt us as a nation."

Few would disagree, of course, that cure is better than care. Or would they? For decades now, the policy emphasis on Washington has been on "universal coverage," pro and con. But in the multi-decade rumble over national health insurance--by no means over, even after the enactment of Obamacare--both parties have focused so intensely on healthcare finance that they have lost sight of curative medicine itself. Perhaps everyone will be covered--but covered for what? If there's no cure for the disease, coverage doesn't mean much.

Indeed, we spend a mere $500 million a year on AD research--and why, according to the NIH, we have no effective treatment; the anti-AD effort is under-capitalized. Indeed, of the $2.6 trillion that we spend on healthcare in the US, barely more than $100 billion goes to medical R&D.

Once upon a time, political leaders thought differently. Franklin D. Roosevelt wanted to cure polio, and so in 1938, he set in motion the March of Dimes. Seventeen years later, we had the Salk Vaccine. The issue back then was obvious: Nobody wanted insurance for polio, they wanted the elimination of polio. OK, that was long ago and far away. Yet even as recently as the 80s and 90s, a joint public-private commitment created treatments for AIDS, making AIDS in the West, at least, a mostly manageable disease.

It's that goal-oriented approach to medicine that Shriver wants to rekindle. Can we do it? The truth is, we have to. We have to reorient ourselves, as a society, toward curing disease, as opposed to paying for disease. Among other considerations, it's cheaper.

Indeed, one can even see the outlines of a future "grand compromise" in Shriver's efforts. That is, we can link a cure for AD--or at least a push-back for its onset--with a raising of the retirement age. That's a deal most senior citizens would get behind.

As we admire Shriver for her determination and vision, we can also note that a cure strategy for AD would be good politics.  From left to right, from blue to red, everyone wants to be healthy.  And the voters, across the ideological spectrum, stand ready to reward the politicians who help them find a better life and a dignified old age.  The pols haven't quite received that message yet, but Maria Shriver will help make sure that they will.

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Fox <b>News</b> Gives Juan Williams $2 Million Contract | 89.3 KPCC

NPR has been sharply criticized for terminating the contract of news analyst Juan Williams for remarks he made about Muslims. Williams appeared on Fox's "The O'Reilly Factor" Thursday night to respond to NPR's decision.

Scripting <b>News</b>: Rule 1 of local blogs

Recent stories. Twitter links. My 40 most-recent Twitter links, ranked by number of clicks. My bike. People are always asking about my bike. A picture named bikesmall.jpg. Here's a picture. AFP news pic. Calendar ...

BillBoard - Blogs - The Buffalo <b>News</b>

The Buffalo News updated every day with news from Buffalo, New York. Links to national and business news, entertainment listings, recipes, sports teams, classified ads, death notices.

eric seiger eric seiger

About Making Money

This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:

Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…

Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.

“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”

If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.

It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.

And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.

The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.

Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.

*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.

Update: Higher One’s Donald Smith responds:

Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.

The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.

Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.

Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.

I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.

After a ban on baked goods, city public schools were left with the option of selling "healthy" treats like Pop Tarts and reduced-fat Doritos for a boost in revenue. Except that isn't exactly working either. Due to a dispute between the Department of Education and the City Comptroller, commissions from at least $540,000 in profits have been kept from the schools.

The Comptroller's office says the DOE was hasty to install the vending machines before they had a chance to investigate possible collusion between the vendors, Answer Vending and CC Vending. A spokesman told the Post, "We will not register any contract that does not meet all legal, procedural and fiscal requirements." But the DOE says the Comptroller has unnecessarily delayed approving the contracts, which could put the city's children in danger of being utterly snackless.

School officials are griping being stuck in the middle of the vending war, and just wish they could get their hands on the 25% of proceeds they were promised. Bayside High School PTA Co-president Dave Solano said, "If they're not getting the schools the money, but the vendors are getting access to the schools, that's not right." A Brooklyn principal wishes they could go back to the way things were, when the school was making $1,000 from a contract with Snapple. Of course, nobody would have to worry about contracts if kids could just hold bake sales, but then they'd get fat! (Though it's not like their parents would notice.)

robert shumake twitter

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This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:

Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…

Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.

“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”

If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.

It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.

And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.

The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.

Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.

*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.

Update: Higher One’s Donald Smith responds:

Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.

The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.

Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.

Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.

I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.

After a ban on baked goods, city public schools were left with the option of selling "healthy" treats like Pop Tarts and reduced-fat Doritos for a boost in revenue. Except that isn't exactly working either. Due to a dispute between the Department of Education and the City Comptroller, commissions from at least $540,000 in profits have been kept from the schools.

The Comptroller's office says the DOE was hasty to install the vending machines before they had a chance to investigate possible collusion between the vendors, Answer Vending and CC Vending. A spokesman told the Post, "We will not register any contract that does not meet all legal, procedural and fiscal requirements." But the DOE says the Comptroller has unnecessarily delayed approving the contracts, which could put the city's children in danger of being utterly snackless.

School officials are griping being stuck in the middle of the vending war, and just wish they could get their hands on the 25% of proceeds they were promised. Bayside High School PTA Co-president Dave Solano said, "If they're not getting the schools the money, but the vendors are getting access to the schools, that's not right." A Brooklyn principal wishes they could go back to the way things were, when the school was making $1,000 from a contract with Snapple. Of course, nobody would have to worry about contracts if kids could just hold bake sales, but then they'd get fat! (Though it's not like their parents would notice.)

bench craft company reviews

Mavericks to give McCants a look-see | Dallas Mavericks Blog <b>...</b>

Dallas Mavericks Blog - Dallasnews.com's Dallas Mavericks coverage includes the latest news, notes, commentary, analysis, blogs, e-mail newsletters, photos and videos of the Mavericks.

Scripting <b>News</b>: Random afternoon notes

Recent stories. Twitter links. My 40 most-recent Twitter links, ranked by number of clicks. My bike. People are always asking about my bike. A picture named bikesmall.jpg. Here's a picture. AFP news pic. Calendar ...

10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>

Your #1 News Source for the Olympic Peninsula, Port Angeles, Sequim, Port Townsend and beyond.

robert shumake detroit

robert shumake hall of shame

robert shumake detroit

Mavericks to give McCants a look-see | Dallas Mavericks Blog <b>...</b>

Dallas Mavericks Blog - Dallasnews.com's Dallas Mavericks coverage includes the latest news, notes, commentary, analysis, blogs, e-mail newsletters, photos and videos of the Mavericks.

Scripting <b>News</b>: Random afternoon notes

Recent stories. Twitter links. My 40 most-recent Twitter links, ranked by number of clicks. My bike. People are always asking about my bike. A picture named bikesmall.jpg. Here's a picture. AFP news pic. Calendar ...

10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>

Your #1 News Source for the Olympic Peninsula, Port Angeles, Sequim, Port Townsend and beyond.

robert shumake twitter

This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:

Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…

Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.

“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”

If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.

It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.

And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.

The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.

Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.

*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.

Update: Higher One’s Donald Smith responds:

Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.

The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.

Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.

Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.

I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.

After a ban on baked goods, city public schools were left with the option of selling "healthy" treats like Pop Tarts and reduced-fat Doritos for a boost in revenue. Except that isn't exactly working either. Due to a dispute between the Department of Education and the City Comptroller, commissions from at least $540,000 in profits have been kept from the schools.

The Comptroller's office says the DOE was hasty to install the vending machines before they had a chance to investigate possible collusion between the vendors, Answer Vending and CC Vending. A spokesman told the Post, "We will not register any contract that does not meet all legal, procedural and fiscal requirements." But the DOE says the Comptroller has unnecessarily delayed approving the contracts, which could put the city's children in danger of being utterly snackless.

School officials are griping being stuck in the middle of the vending war, and just wish they could get their hands on the 25% of proceeds they were promised. Bayside High School PTA Co-president Dave Solano said, "If they're not getting the schools the money, but the vendors are getting access to the schools, that's not right." A Brooklyn principal wishes they could go back to the way things were, when the school was making $1,000 from a contract with Snapple. Of course, nobody would have to worry about contracts if kids could just hold bake sales, but then they'd get fat! (Though it's not like their parents would notice.)

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#1. Making cannonballs.Cannonballs are extremely easy to make, requiring a very low skill level in smithing. All you need is steel bars and a cannonball mould. One bar makes four cannonballs a piece. They may not give as much experience as other steel things, but they sell combined for about 800gp, while a steel bar only sells for 500, and then you add the experience you gained, and voila!

#2. Bow strings, the easy way.When many people decide to pick bowstrings for money, they go out to Seer's Village and start picking and then they...NO! That is wrong! It will take you forever and the money you earn will not be worth it. Instead, use all the money you have to buy flax. Then, go to Lumbridge Castle and run from the bank and wheel spinning them. Once that is done, sell them and repeat. This is the fastest way and while it won't make you as much money as picking the flax yourself, it will earn you much more in the long run. Plus, you get quite a decent amount of crafting experience.

#3. Fishing for Lobster.In this guide there will be two fish specifically covered that you can fish for a lot of money. Lobster is the first. Why is lobster on here, and not swordfish? Because lobster will earn you more money. Approximately, Lobsters sell for 250. Swordfish around 450. You get lobsters three times as fast, sometimes more. Do the math, you get a lot more money and actually a bit more experience because you don't always get tuna.

#4. Fishing for sharks. Sharks are also great for money. Also right next to a bank, they might not come out fast, but they sell for around 1,500gp (big money) and also give a lot of experience. Give or take that they are the fastest way to get money fishing, depend on how you go at it.

#5. Law running. Running runes is a fan favorite and rightly so. A full inventory of laws gets you around almost 10,000gp. Entana may not be that close to a bank, but if you can run back and forth to Draynor, you can get profits easily.

#6. Nature running. Same deal as law running...almost. Nats sell for around 300 on average, so a full inventory will net you around 7200gp, probably a bit more. The nearest bank to the altar is Shilo Village, so you might want to have done that quest first. Otherwise it is kind of a long run.

#7. Yews and Magics. Getting your woodcutting to 60 is not hard at all. In fact, woodcutting is one of the easiest skills to level. Yews sell for around 450 each, so you can get quite a lot easily, especially since there are tons around all the banks. Magics, although a bit farther, are great too, but not recommended till atleast 90 woodcutting because it takes way too long. Until then, Yews are better.

#8. Steel bars. This is like the cannonballs, but a bit different. What you need to do is spend all your money on iron and coal, double as much coal as you have iron, and then go to Al Kharid (closest bank to forge) and smelt them. This may take awhile, and not earn as much money as cannonballs, but it is much faster than having to resmelt them all, and you don't even have to sell the steel.

#9. Mithril. Mithril is a sort of inbetween for miners. It comes at just the right place and sells for just the right price. It's fast and easy and is sure to net you some money. The same trick here also works for the steel bars. If you buy all the coal you need for mithril, and the mithril itself, and smelt it, you will make almost twice as much as you spent on the coal and mithril.

#10. Bones. Bone farming is often overlooked, and if you go for the biggest bones, it might be one of the most effective ways to get money. Bones sell for tons of the Grand Exchange. Big bones, from killing giants, sell for 500gp! Bat bones, from those weak level 8 bats, sell for 200! There is tons of money to be made from running bones from the bank. Monkeys, those level 3 pests? The bones sell for 250! It really is easy money. If you find yourself by a bank with a lot of little guys around, why not just take the time and take the bones?

These are 10 ways to easily make money in Runescape. Only a few of them take dedication, and they really are quite easy. I hope this guide helps as you find yourself wanting that dragon chainmail.


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