Tuesday, April 3, 2012

Carnival of Personal Finance #355

? April 2, 2012Posted in: Carnivals

This week?s Carnival of Personal Finance: April Fool?s Edition is hosted by THE Canadian Personal Site.

His Editor?s Picks:


Thanks to our contributors and Big C8j for hosting.

Tune in next week when?The Money Drain is our host ? and be sure to submit your best posts for consideration!

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About Revanche

Revanche writes the personal finance blog A Gai Shan Life.

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Monday, April 2, 2012

Nexus S 4G gets a new 4.0.4 leak

Nexus S 4G

Android 4.0.4 has leaked for the Sprint Nexus S 4G, and is ready to flash with Odin. It bumps the system up to IMM76D, like the rest of the devices running 4.0.4, and contains a new set of images as well as a new radio. We've seen Ice Cream Sandwich leak before for the Nexus S 4G, and this ROM looks to be pretty much the same type of case.

It's officially signed off by Google with release keys, but that doesn't mean anything for the radio and Sprint specific network code inside the ROM itself. You'll be flashing this one at your own risk -- but should be able to roll back to stock in case of any issues easily enough. The folks in the forums are giving it a go, and early reports are looking good. Be sure to chime in with your own experience if you give it a shot.  As for when we'll see anything official from Google and Sprint, nobody that knows is saying. 

Source: Brief Mobile; via Android Central forums



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U.S. Postal Service Launches Innovative ... - Small Business Trends

U.S. Postal Service If it Fits It ShipsThe U.S. Postal Service wants the small business world to know about its direct mail shipping service for small businesses, called??Every Door Direct Mail.?

With Every Door Direct Mail, small businesses including restaurants, auto dealerships and doctor?s offices can send out direct mail campaigns such as postcards and brochures, with postage rates as low as 14.5 cents. ?The remarkable thing is that you don?t need a mailing list with specific addresses and/or names, or a postal permit. Such items typically drive up the costs and effort in a direct mail campaign.

Instead, the Postal Service?s website provides an online mapping tool. ?You ?can choose a city, county, zip code or even a neighborhood (i.e., within a 5-mile radius of a specific address). ?You just choose the area, and the direct mail will be delivered without the need to affix labels or print specific addresses.

The tool is fairly easy to use. ?Once you?ve registered your business and learn it the first time, thereafter it only takes minutes to schedule a simple local mailing. ?It walks you through the process step by step. ?The amount of your postage cost ?is displayed instantly online. ?Once you pay, you print out the documentation and take it to the Post Office along with your bundles of direct mail pieces.

This is part of a larger initiative by the Postal Service to use innovation and technology to serve small businesses.

The Postal Service also announced the redesign of its Click N ship site, ?where businesses and consumers can buy postage and print shipping labels online. ? The site is a counterpart to the ?If it Fits, It Ships? flat rate mantra for Priority Mail packages (see above), where you can get the packaging for free and then go online to pay for the postage, print a label, and even schedule a pickup. ?No postage scale required!

The current Click N Ship site has been quite successful with small businesses ? there are a million registered users and half of them are small businesses, notes Paul Vogel, president and chief marketing/sales officer, U.S. Postal Service.? Coming this month (April 2012) will be a dedicated business version of the Click N Ship site, designed for small businesses that ship between 10 and 100 pieces of mail per day. ?Business Click N Ship will have a desktop app and expanded payment options.

About the Author

Anita Campbell Anita Campbell is the Founder of Small Business Trends which has been following trends in small businesses since 2003. She is the owner of BizSugar, a social media site for small businesses; and also serves as CEO of TweakYourBiz.com.

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The Communications Network ? Does the Size of Your ...

Guest Post: Minna Jung, The David and Lucile Packard Foundation and Vice Chair, Communications Network

Over the past decade and a half, I?ve worked at three foundations:? the first, the Edna McConnell Clark Foundation, had a communications team of three people (and I was very fortunate to work for the amazing Joanne Edgar there, one of the founders of this Network).? The second, the Robert Wood Johnson Foundation, has a communications department that averaged about 40 people during my time there, and is well-known in the philanthropic sector because of how Frank Karel, the former vice president of communications?at RWJF, built a communications department which was fully integrated with program and evaluation and other organizational functions.?? The third, my current job, is at the David and Lucile Packard Foundation, where I work on a team of four people.? Including me.

So going from small to big to small again has led a number of people to ask me:? how?s it going?? Can you talk about the differences between a robustly staffed and well-resourced communications department and one that puts more emphasis on DIY?? And of course, I get asked:? which one?s better?

I haven?t really wanted to take on these questions before now.? But two things prompted me to write this piece:? one, there was quite a bit of feedback from last year?s Network conference about how the discussions?seemed to be dominated by big, private foundations with lots of communications resources, so these conversations therefore felt less relevant for smaller foundations with smaller teams.? I get that sentiment:? if you?re a one-person communications team at a small local community foundation and you?re kind of expected to do everything yourself, hearing a big foundation moan about the difficulties of managing consultants can come off as a little?I don?t know, insensitive?? Out-to-lunch??? So I do want the Network to be a mirror for large and small communications shops.? And two, I wanted to spend some time in the job I?ve got now before I started down the possibly foolish path of comparisons.? But here are the?major points I would observe about big versus small communications departments:

Big communications departments and big communications budgets usually mean that you can take on big communications challenges.? At RWJF, I was able to develop and manage a comm?unications operation that was mack-daddy in scale and ambition, and that was just on?one?of the issues RWJF works on, quality and disparities in health care.? It was fun to be able to think that big.? On some days, it felt like a nightmare to manage, but I was lucky enough to hire armies of talented consultants to help out.? And RWJF offered other resources to grantees having to do with building their communications skills and supporting their efforts to reach out to policy-makers.? On any given day, it felt like a pretty rich array of resources.

On the other hand, small communications teams means DIY on strategy AND execution, and that?s not a bad thing.? Seriously, given the numerous communications firms and consultants I worked with while I was at RWJF, I sometimes wondered if I still had the skills to write a communications plan, message platform, op-ed, etc.? And since coming to Packard, I?ve had to do all that, alongside my very talented team members, and I find myself?.enjoying that piece of it.? I?ve always liked the doing as well as the managing, and I think it actually helps the managing if you also remember how to do.

The size of a foundation?s communications department is usually a decent indicator of how committed the organization is to communications, especially as a critical element of social change.?? It means that the organization understands the myriad ways a communications team can add value to a foundation?s work?internally, externally, and as a part of the grantmaking/programming.? A small communications team can mean, well, this foundation hasn?t really figured out communications yet.? Or, even worse, it doesn?t care.

On the other hand, small communications teams can be sometimes be nimble and opportunistic in ways that large communications teams can?t.? Because large organizations usually come with a lot more process and policies than small ones do. My team and I have a lot of latitude to come up with ideas and run with them here.? We are not being slotted into a vision of how we must interact with all sorts of different communications functions, because?we?re?the ones creating that vision.

In big or small communications departments, it?s possible to have the communications team play a central role in organizational and program-related strategies.? But in small communications departments, there is clearly less bandwidth for the team to do everything?internal and external communications for the organization, brand management, web site, media relations, policy-maker outreach, social media, and add program-specific work on top of all that.

But in general, size of the communications department doesn?t matter as much as the organization itself, and what it does.? I could work within a very large or very small communications team quite happily, as long as I liked the organization itself, the people I work with, and I cared passionately about the issues at hand.? And that, to me, is the best thing about being a communications professional in philanthropy?so far with my three foundation jobs, those things have come true.


Minna Jung?is communications director at the David and Lucile Packard Foundation and vice chair of the Communications Network.

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Sunday, April 1, 2012

FOTB: Brothers move to Oil Patch to pay off student loans

  • FOTB: Steff
  • Eric Steff, 26, moved to Williston from western New York in January to work in the oil field to pay off his $50,000 in debt from student loans, credit cards and a vehicle loan. Steff lived in his pickup at first and later slept on a church floor before finding work that provides him housing at this man camp.

WILLISTON ? After four nights of sleeping in a pickup in the Williston Walmart parking lot in January, Levi Steff was ready to go home.

But then the 22-year-old from western New York, who moved to the Oil Patch with his older brother, went to a local church service and heard a sermon about not giving up.

?It seemed like the preacher was just speaking to us,? Levi said.

Levi and 26-year-old Eric Steff decided to keep going. Now they?re paying off their student loans while getting a chance to experience something new.

?It?s the best adventure of my life,? Eric said.

It was Eric who initially had the idea to move to Williston after hearing news coverage about the job opportunities.

Eric passed through Williston on the train after visiting a friend in Oregon. He spent a couple of days in Williston and thought he had jobs and housing lined up for himself, Levi and a friend.

But just as they were getting ready to leave New York, they found out the jobs were not panning out.

One night in their grandma?s basement ? weeks after their going-away party ? the three decided to drive to Williston and try their luck.

They spent their first week in the Walmart parking lot, the three of them sleeping in Eric?s pickup with Levi curled up by the gas pedals. They brushed their teeth in the Walmart bathroom and bought gym memberships to shower.

?It was horrible,? Levi said.

They met people from different churches and were able to sleep on a church floor while they continued looking for work.

Finding jobs ? particularly ones that provided housing ? took longer than they expected.

?If you have no experience, it?s a lot harder than people lead you to believe,? Eric said.

Levi was the first to find a job. He said he works as a welder?s helper near Tioga where he is provided housing in a man camp.

Eric initially got a job through a temp agency doing pipe inspection. He recently started working for Superior Oil near Williston, where he loads and unloads trucks and runs a forklift. He also is provided housing in a man camp.

Their friend did not find a job that provided housing and returned to New York.

Eric and Levi each work 80 or more hours per week. Last week, Eric worked 6 p.m. to 6 a.m. and Levi worked the opposite 12-hour shift at his job.

Both are focused on earning enough money to become debt-free and start saving for the future.

Eric, who has a four-year degree in biology, estimates that he has $30,000 in student loan debt, along with another $10,000 in credit card debt and a $10,000 vehicle loan.

Levi said he has about $12,000 in student loan debt from an associate?s degree.

They?re also trying to have fun while they?re here, and they enjoy connecting with other people who have relocated to the Oil Patch.

?It?s so refreshing to be around so many people who have such a heart of adventure,? Eric said.

Dalrymple is a reporter stationed in the Oil Patch for Forum Communications Co.

Tags: faces of the boom,?oil patch,?new york,?eric steff,?levi steff,?oil,?news,?williston,?jobs,?employment

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Baseball. Alvis' Triple the Game-Winner As Baseball Defeats Oral Roberts 3-2

April 1, 2012

Final Stats?|? Notes | Coach Simoneaux Postgame Audio

TULSA, Okla. - An RBI-triple by Sam Alvis in the top of the ninth inning led Louisiana Tech (14-14) to a 3-2 victory in the series finale at Oral Roberts (12-14) Sunday afternoon in Tulsa, Oklahoma.

Alvis lone hit in the game came with two outs in the final inning as Justin Gordey scored Tech's third run of the game.

"Our guys kept fighting," said head coach Wade Simoneaux. "It was a good team and a good pitching staff that we beat today, but we are not satisfied with winning one-out-of-three."

The win was head coach Wade Simoneaux's 250th career victory as head coach as the Bulldogs went to 14-14 on the season.

Caleb Dudley (4-0) picked up his fourth win of the season after going 3.2 innings and striking out three. Matt Rush (0-2) was credited with his second loss on the year after the game-winning triple by Alvis. Starter Jamie Gilley pitched 5.1 innings of one run baseball, striking out six in the no-decision.

Alex Williams hit his eighth home run of the season and 30th of his career in the top of the sixth inning to give the Bulldogs a 2-1 lead.

Taylor Burch was 1-for-3 at the dish with an RBI-single while Gordey went 2-for-4 from the plate in the victory.

Down 1-0 after ORU scored in the second inning, Gordey recorded the first hit for Tech as the senior center fielder on a bunt single with no outs in the fifth inning. Kyle Arnsberg, who led off the inning with a walk, advanced to third on the play after a throwing error by second baseman Cam Schiller, allowing the catcher to move 90 feet away from home.


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Arnsberg scored on an RBI-single by Burch as the right fielder reached base safely in five straight plate appearances, tying the game at 1-1.

Williams hit a solo shot to left field to give Tech a 2-1 lead in the top of the sixth inning. ORU scored one run in the bottom of the eighth to tie the game at 2-2 going into the final inning.

Gordey led off the ninth with a single and advanced to second base on a sacrifice bunt by Beau Bayliss. Alvis then hit an RBI-triple to plate Gordey as Tech took a 3-2 lead going into the final frame.

LA Tech travels to Texas to play Stephen F. Austin on Tuesday, April 3 before returning to Ruston to host Grambling State on "Old Timer's Day."

For complete coverage of Bulldog Baseball, please follow @LATechKQueliz on Twitter or visit the official home of Louisiana Tech Athletics at LATechSports.com.

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Saving the Planet With Green Jobs in Nacogdoches

The green movement is all around us these days. Companies are restructuring the way they operate so that they release less harmful fumes into the ozone layer. People are looking for ways to live greener and are making cost-effective improvements to their homes. Some are even making the switch to hybrid vehicles. Entire countries are pledging to reduce their greenhouse gas emissions. Changes are being made to help preserve the planet, whether they are big or small.

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One change that more people are beginning to consider is that of a green job. With the push to make our economy (and our planet) greener, there are many sites that allow you to search specifically for green jobs. One such site is GreenJobs.com and they allow you to search for green jobs in Nacogdoches, as well as outside of the United States.

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Green jobs in Nacogdoches can include different positions in areas like solar sales and design, engineering, managing, numerous sales and auditing positions and even resource analyst positions.

Whether you?re looking for something specific or just looking to get into the green job sector, you?re bound to find something on GreenJobs.com. The site makes it simple to find green jobs in Nacogdoches by being easy to navigate. You?re even able to submit a resume so that prospective employers can contact you if they find you?re a fit for an opening they may have.

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The website, Texas.greenjobs.net makes it very easy to search for green jobs in Nacogdoches by keeping their job listings for places in only Texas.

The job categories are broken down into LEED jobs, solar jobs and wind jobs, but more green jobs are offered. Texasgreenjobs.com is another great source for finding green jobs in Nacogdoches. The site allows you to search for green jobs throughout Texas, so the odds of finding something of interest are good.

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If you?re looking for a change in the job market and are interested in helping to save the planet, you might want to consider a job in the green energy and technology sectors. Because of the ever-increasing push by businesses and individuals alike to ?go green,? more jobs are becoming available in these sectors. Whether you are new to the green sectors or have been working in them for a while now, if you want to make a change, these green job sites can offer help. Give them a look. You never know what you might find.

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