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Confirming many recent reports, Apple (NSDQ: AAPL) finally announced it wants to take a 30 percent cut of in-app content subscriptions. It boils down to this…

—Content owners can bring to their apps existing consumers who subscribe on their websites.

See more of our latest Payment Systems coverage
or add an alert for future coverage of Payment Systems.

—But, for new subs taken out in apps, iTunes Store payments must be used.

Right now, many publishers let readers take out new subscriptions inside their apps using their own billing mechanisms. Apple’s announcement does not explicitly state that this will be disallowed, but that’s the clear implication.

If publishers baulk at coughing to Apple 30 percent of app-generated subscription income, the net result could become a more fragmented landscape for consumers - either publishers could promote their own billing mechanism especially hard, meaning billing does not occur on the same device on which content is read, or publishers could quit iTunes Store and iOS devices altogether.

The move has been a tactic waiting to happen - Apple, ever the greedy gobbler of consumer spend, is making massive money from apps, but now new kinds of apps can be downloaded for free, with big business transacting inside as subscriptions.

Apple’s announcement below:

————————————————————————————

CUPERTINO, California—February 15, 2011—Apple® today announced a new subscription service available to all publishers of content-based apps on the App Store℠, including magazines, newspapers, video, music, etc. This is the same innovative digital subscription billing service that Apple recently launched with News Corp.’s “The Daily” app.

Subscriptions purchased from within the App Store will be sold using the same App Store billing system that has been used to buy billions of apps and In-App Purchases. Publishers set the price and length of subscription (weekly, monthly, bi-monthly, quarterly, bi-yearly or yearly). Then with one-click, customers pick the length of subscription and are automatically charged based on their chosen length of commitment (weekly, monthly, etc.). Customers can review and manage all of their subscriptions from their personal account page, including canceling the automatic renewal of a subscription. Apple processes all payments, keeping the same 30 percent share that it does today for other In-App Purchases.

“Our philosophy is simple—when Apple brings a new subscriber to the app, Apple earns a 30 percent share; when the publisher brings an existing or new subscriber to the app, the publisher keeps 100 percent and Apple earns nothing,” said Steve Jobs, Apple’s CEO. “All we require is that, if a publisher is making a subscription offer outside of the app, the same (or better) offer be made inside the app, so that customers can easily subscribe with one-click right in the app. We believe that this innovative subscription service will provide publishers with a brand new opportunity to expand digital access to their content onto the iPad, iPod touch and iPhone, delighting both new and existing subscribers.”

Publishers who use Apple’s subscription service in their app can also leverage other methods for acquiring digital subscribers outside of the app. For example, publishers can sell digital subscriptions on their web sites, or can choose to provide free access to existing subscribers. Since Apple is not involved in these transactions, there is no revenue sharing or exchange of customer information with Apple. Publishers must provide their own authentication process inside the app for subscribers that have signed up outside of the app. However, Apple does require that if a publisher chooses to sell a digital subscription separately outside of the app, that same subscription offer must be made available, at the same price or less, to customers who wish to subscribe from within the app. In addition, publishers may no longer provide links in their apps (to a web site, for example) which allow the customer to purchase content or subscriptions outside of the app.

Protecting customer privacy is a key feature of all App Store transactions. Customers purchasing a subscription through the App Store will be given the option of providing the publisher with their name, email address and zip code when they subscribe. The use of such information will be governed by the publisher’s privacy policy rather than Apple’s. Publishers may seek additional information from App Store customers provided those customers are given a clear choice, and are informed that any additional information will be handled under the publisher’s privacy policy rather than Apple’s.

We'll be addressing some of these themes during our next conference, paidContent 2011, March 3 in New York City. You can find out more about the agenda and register here.

Related Stories

• Concerned Publishers Group Says ‘Apple Is Not The Only Offer On The Table’


• Apple’s Landgrab Could Chill Or Cheer Content Subs


• Apple’s Subs Rules Would Suck $1 Million From Financial Times


• Apple App Store Subscriptions: The FAQ


• Apple’s New Subscription-Related iTunes Terms

Confirming many recent reports, Apple (NSDQ: AAPL) finally announced it wants to take a 30 percent cut of in-app content subscriptions. It boils down to this…

—Content owners can bring to their apps existing consumers who subscribe on their websites.

See more of our latest iPad coverage
or add an alert for future coverage of iPad.

—But, for new subs taken out in apps, iTunes Store payments must be used.

Right now, many publishers let readers take out new subscriptions inside their apps using their own billing mechanisms. Apple’s announcement does not explicitly state that this will be disallowed, but that’s the clear implication.

If publishers baulk at coughing to Apple 30 percent of app-generated subscription income, the net result could become a more fragmented landscape for consumers - either publishers could promote their own billing mechanism especially hard, meaning billing does not occur on the same device on which content is read, or publishers could quit iTunes Store and iOS devices altogether.

The move has been a tactic waiting to happen - Apple, ever the greedy gobbler of consumer spend, is making massive money from apps, but now new kinds of apps can be downloaded for free, with big business transacting inside as subscriptions.

Apple’s announcement below:

————————————————————————————

CUPERTINO, California—February 15, 2011—Apple® today announced a new subscription service available to all publishers of content-based apps on the App Store℠, including magazines, newspapers, video, music, etc. This is the same innovative digital subscription billing service that Apple recently launched with News Corp.’s “The Daily” app.

Subscriptions purchased from within the App Store will be sold using the same App Store billing system that has been used to buy billions of apps and In-App Purchases. Publishers set the price and length of subscription (weekly, monthly, bi-monthly, quarterly, bi-yearly or yearly). Then with one-click, customers pick the length of subscription and are automatically charged based on their chosen length of commitment (weekly, monthly, etc.). Customers can review and manage all of their subscriptions from their personal account page, including canceling the automatic renewal of a subscription. Apple processes all payments, keeping the same 30 percent share that it does today for other In-App Purchases.

“Our philosophy is simple—when Apple brings a new subscriber to the app, Apple earns a 30 percent share; when the publisher brings an existing or new subscriber to the app, the publisher keeps 100 percent and Apple earns nothing,” said Steve Jobs, Apple’s CEO. “All we require is that, if a publisher is making a subscription offer outside of the app, the same (or better) offer be made inside the app, so that customers can easily subscribe with one-click right in the app. We believe that this innovative subscription service will provide publishers with a brand new opportunity to expand digital access to their content onto the iPad, iPod touch and iPhone, delighting both new and existing subscribers.”

Publishers who use Apple’s subscription service in their app can also leverage other methods for acquiring digital subscribers outside of the app. For example, publishers can sell digital subscriptions on their web sites, or can choose to provide free access to existing subscribers. Since Apple is not involved in these transactions, there is no revenue sharing or exchange of customer information with Apple. Publishers must provide their own authentication process inside the app for subscribers that have signed up outside of the app. However, Apple does require that if a publisher chooses to sell a digital subscription separately outside of the app, that same subscription offer must be made available, at the same price or less, to customers who wish to subscribe from within the app. In addition, publishers may no longer provide links in their apps (to a web site, for example) which allow the customer to purchase content or subscriptions outside of the app.

Protecting customer privacy is a key feature of all App Store transactions. Customers purchasing a subscription through the App Store will be given the option of providing the publisher with their name, email address and zip code when they subscribe. The use of such information will be governed by the publisher’s privacy policy rather than Apple’s. Publishers may seek additional information from App Store customers provided those customers are given a clear choice, and are informed that any additional information will be handled under the publisher’s privacy policy rather than Apple’s.

We'll be addressing some of these themes during our next conference, paidContent 2011, March 3 in New York City. You can find out more about the agenda and register here.

Related Stories

• Concerned Publishers Group Says ‘Apple Is Not The Only Offer On The Table’


• Apple’s Landgrab Could Chill Or Cheer Content Subs


• Apple’s Subs Rules Would Suck $1 Million From Financial Times


• Apple App Store Subscriptions: The FAQ


• Apple’s New Subscription-Related iTunes Terms

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Last month, President Barack Obama signed a highly publicized Executive Order demanding a government-wide review of existing laws to remove regulations that stifle job creation and hamper America’s economy. Meanwhile, the Obama administration is considering a new alcohol labeling requirement that would devastate America’s small brewers, hampering their ability to grow and hire new employees—and even to continue operating.

Big producers of alcoholic beverages are supporting a proposal before the federal Tax and Trade Bureau (TTB) that would require manufacturers of alcoholic beverages to list the nutritional content of their products, such as calories, alcohol content, and carbohydrates.

Supporters of the proposal claim that it will help provide consumers with more information to make better choices, but the result will be an increase in production costs could force some brewers of craft beers to close their doors while depriving others of the funds they need to grow their business—and hire more workers. This will mean fewer varieties of beer, more expensive products, and fewer jobs throughout the entire nation, as every state is home to small breweries.

Larger breweries will have little problem absorbing the cost of the new rule. In addition to the economies of scale they enjoy from large-scale production, major brewers only produce a few limited beer lines. Having fewer products limits the cost of providing content analysis and labeling.

Craft brewers on the other hand, produce a wider variety of beers, and far fewer barrels of each one, so they will struggle with the cost of testing and labeling the nutritional contents of their many beers. In its 2008 comments on the TTB labeling requirement proposal, the Brewers Association, which represents more than 1,400 U.S. small brewers, estimated that the annual cost of compliance with the proposed labeling requirement could be as high as $18,000 for brewers producing less than 1,000 barrels a year and more than $350,000 for brewers making more than 100,000 barrels a year.

Consumer choice will suffer, as the makers of many popular beers will be affected. A small brewery, according to the Brewers Association, is one that produces fewer than 2 million barrels a year. To put this in perspective, Boston Beer Co., maker of Samuel Adams, produces about 1.8 million barrels a year. The next highest producer, Sierra Nevada of California, produces just over 700,000 barrels a year. Other well-known craft brewers produce substantially fewer barrels, including Louisiana’s Abita Brewing Co. in and Delaware’s Dogfish Head Brewery, both of which produce less than 100,000 barrels a year.

Craft brewers compete with the well-established large beer companies by putting their money and staff time into high-quality ingredients and boots-on-the ground marketing. The added costs from the labeling requirement will reduce the number and variety of beers that small brewers can bring to the market, according to the Brewers Association.

The added costs may also force small brewers to reduce costs elsewhere, such as by decreasing their output, firing staff, or exiting certain markets entirely. For some small brewers living on the thinnest profit margins, the new requirements may sound the death knell for their business. Consumers will lose out by having fewer options. State and local economies will also lose when jobs and businesses disappear because of the increased regulatory costs.

Over the last two decades, the United States has seen an explosion in the craft beer movement. Thousands of new small breweries have opened, creating thousands of new jobs and a vast multitude of beers to suit every particular taste, including those who desire a healthier beer, environmentally friendly beer, or for those who are allergic to certain ingredients. All of this has been in response to consumer demand. By the same token, if consumers want to know the calorie and carbohydrate content of their beers they will demand it and savvy brewers will respond.

As small brewers thrive, they provide states with tax revenue and jobs. Regulations that drive up the cost of production could bring that to a halt. If President Obama truly wants to reduce the burden of government and create an environment where small businesses can grow, he ought to urge the TTB to get out of the way and let consumers decide whether or not they want nutritional labeling on their beer.

Peter Shumlin, the newly elected governor of Vermont, has a plan for health-care reform: Rather than repeal it, he wants to supercharge it. His state will set up an exchange, and then, as soon as possible, apply for a waiver that allows it to turn the program into a single-payer system. You can read a summary of the plan here (Word file). I spoke with Shumlin this morning, and a lightly edited transcript of our conversation follows.

Ezra Klein: The report (PDF) prepared by Dr. William Hsiao offered three options for Vermont: single payer, a strong public option and a form of private-public single payer. My understanding is that you're backing the third option. What separates it from a traditional single-payer system?

Peter Shumlin: Single payer means something different to everyone. The way I define it is that health care is a right and not a privilege. It follows the individual and not the employer. And it’s publicly financed. The only difference between single-payer one and single-payer three in Hsiao's report is that in single-payer three, the actual adjudication of payment is contracted to an existing insurance entity. So the state doesn't have to set up a new bureaucracy to run it. His modeling suggests that’d be more economical. It's a minute difference.

EK: And why go to a single-payer system at all?

PS: In Vermont, this is all about cost containment. There are 625,000 people in Vermont. We were spending $2.5 billion on health care a decade ago. Now we’re above $5 billion. And we project we’ll be spending a billion dollars more in 2014. This is where everyone has failed in health-care reform. And this will go after three of our main drivers of costs.

First, Vermont spends 8 cents on every dollar on administrative costs, just chasing the money around. That’s a huge waste of money. Second, we’ll use technology to conquer waste. You'll get a Vermont medical card, and everyone’s medical records will be on that card, so you’ll go into a doctor’s office and they’ll know what the last doctor did to you. That helps avoid duplication of services. And the last piece, the most challenging, is remaking the payment system so providers are paid for making you healthy, not for doing the most procedures.

EK: Single-payer systems often lose on the ballot and in the legislature. No state has successfully managed to pass one into law, much less implement it. And the objection that usually stands in the way of these projects is that I'm happy with my health-care insurance, and I don't trust the government to create something new and put me into it. How do you answer that?

PS: I suspect I’m the only politician in America who won an election in this last cycle with TV ads saying I was going to try to pass the first single-payer system in America. This election was a confirmation of my judgment that Vermonters are tired of enriching pharmaceutical companies and insurers and medical equipment makers at the expense of their family members. The reality in Vermont is that there are not very many Vermonters who are happy with the current system. We’re losing our rural providers. Our small hospitals are struggling. And Vermonters are lowering their coverage and paying more and more for it.

EK: How will the funding work? Right now, a lot of money comes from employers. What happens to their share?

PS: Where health care has failed is in designing a cost containment mechanism that works. That’s the really hard part of our job. So I’m asking us to spend the next 12 months designing the tools for cost containment. Once we do, we'll figure out how to structure the way we pay for it.

EK: One of the things you asked of Dr. Hsiao was to preserve provider incomes. How can you do that while cutting costs? At some point, doesn't lower spending also mean fewer doctors or hospitals or lower incomes?

PS: The reason Vermont has the opportunity to be the lab for a different kind of change is that we don’t have a lot of high-paid physicians in Vermont. We have a lot of low-paid physicians. We have rural providers who’re making less than they did when they graduated from medical school. Our cost driver is not that we have a lot of physicians running around in Mercedes-Benzes. It’s waste in the system.

EK: How will this interact with other systems? Let's say I have Kaiser Permanente. I come to Vermont and break my leg. What happens?

PS: Nothing different than what happens right now. You’d go to one of our providers' offices, and they’d bill Kaiser for that one. No different than if you break a leg in France or Switzerland. Radical as this seems to Americans, the rest of the world has figured this out and gotten it right. We keep getting it wrong, and we’re paying for it.

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Two years ago today, Barack Obama was inaugurated as president of the United States.  Are you better off today than you were two years ago?

Numbers don't lie, and here are the data on the impact he has had on the lives of Americans:

This handy map from Pleated Jeans turns USA stats into a cartographic parade of obesity, corruption and gonorrhea. It’s ugly, and not just in North Dakota. Alaska’s damn dreadful though, huh? (Sorry Yanks, no refunds!) Best case scenario, you weasel in between porny Utah and cokey Colorado and stay put. And then there’s New York’s terrible problem of… daily commute average of 30.6 minutes? Really? That’s our biggest problem?

Let’s all laugh at these guys now:

Rationale and statistics

Most stats taken from America’s Health Rankings and Census.gov (unless otherwise noted).

1. Alabama: highest rate of stroke (3.8 percent) (tied with Oklahoma)

2. Alaska: highest suicide rate (23.6 suicides per 100,000 people in 2004)

3. Arizona: highest rate of alcoholism

4. Arkansas: worst average credit score (636)

5. California: most air pollution (15.2 micrograms per cubic meter)

6. Colorado: highest rate of cocaine use per capita (3.9 percent total population)

7. Connecticut: highest rate of breast cancer

8. Delaware: highest abortion rate (27 per 1,000 women aged 15 to 44)

9. Florida: highest rate of identity theft (122.3 reports per 100,000 people)

10. Georgia: sickly based on highest rate of influenza

11. Hawaii – highest cost of living (tied with California)

12. Idaho – lowest level of Congressional clout

13. Illinois: highest rate of robbery (284.7 incidences per 100,000 people)

14. Indiana: rated the most environmentally unfriendly by NMI solutions

15. Iowa: highest percentage of people age 85 and older (1.8 percent) (tied with three other states)

16. Kansas: poorest health based on highest average number of limited activity days per month (3.5 days)

17. Kentucky: most cancer deaths (227 per 100,000 people) (BONUS fact: Kentucky also has the highest rate of tobacco smokers – 25.6 percent)

18. Louisiana: highest rate of gonorrhea (264.4 reported cases per 100,000 people)

19. Maine: dumbest state claim based on lowest average SAT score (1389)

20. Maryland: highest rate of AIDS diagnosis (27.6 people per 100,000 people)

21. Massachusetts: worst drivers claim based on highest rate of auto accidents

22. Michigan: highest unemployment rate (13.6 percent)

23. Minnesota: highest number of reported tornadoes (123 in 2010)

24. Mississippi: highest rate of obesity (35.3 percent of total population)BONUS facts: Mississippi ranks last in the most number of categories. These include highest rate of child poverty (31.9 percent), highest rate of infant mortality (10.3 percent) lowest median household income ($35,078), highest teen birth rate (71.9 per 1,000 women aged 15 to 19) and highest overall rate of STDs.

25. Missouri: highest rate of bankruptcy (700 out of every 100,000 people)

26. Montana: highest rate of drunk driving deaths (1.12 deaths per 100 million miles driven)

27. Nebraska: highest rate of women murdered annually

28. Nevada: highest rate violent crime (702.2 offenses per 100,000 people). BONUS fact: Nevada also has the highest rate of foreclosure (one in 99 houses)

29. New Hampshire: highest rate of corporate taxes

30. New Jersey: highest rate of citizen taxation (11.8 percent)

31. New Mexico: antisocial claim based on lowest ranking in social heath policies

32. New York: longest average daily commute (30.6 minutes)

33. North Carolina: lowest average teacher salary

34. North Dakota: ranked last in ugliest residents report as chosen by The Daily Beast

35. Ohio: nerdiest state claim based on highest number of library visits per capita (6.9)

36. Oklahoma: highest rate of female incarceration

37. Oregon: highest rate of long-term homeless people

38. Pennsylvania: highest rate of arson deaths (55.56 annually)

39. Rhode Island: highest rate of illicit drug use (12.5 percent of population)

40. South Carolina: highest percentage of mobile homes (18.8 percent)

41. South Dakota: highest rate of forcible rape 76.5 per 100,000

42. Tennessee: chosen most corrupt state by The Daily Beast

43. Texas: lowest high school graduation rate (78.3 percent)

44. Utah: highest rate of of online porn subscriptions

45. Vermont: infertility claim based on lowest birth rate of any state (10.6 births per 1,000) (tied with Maine)

46. Virginia: highest number of alcohol-related motorcyle deaths

47. Washington: most cases of bestiality (4 reported in 2010)

48. West Virginia: highest rate of heart attack (6.5 percent of population)

49. Wisconsin: highest rate of binge drinking (23.2 percent of population)

50. Wyoming: highest rate of deadly car crashes (24.6 deaths per 100,000)

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Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

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Scientists, telescope hunt massive hidden object in space – This <b>...</b>

You know how you sometimes can sense that something is present even though you can't see it? Well, astronomers are getting that feeling about a giant, hidden object in space. And when we say giant, we mean GIANT.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

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Scientists, telescope hunt massive hidden object in space – This <b>...</b>

You know how you sometimes can sense that something is present even though you can't see it? Well, astronomers are getting that feeling about a giant, hidden object in space. And when we say giant, we mean GIANT.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

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Scientists, telescope hunt massive hidden object in space – This <b>...</b>

You know how you sometimes can sense that something is present even though you can't see it? Well, astronomers are getting that feeling about a giant, hidden object in space. And when we say giant, we mean GIANT.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

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Scientists, telescope hunt massive hidden object in space – This <b>...</b>

You know how you sometimes can sense that something is present even though you can't see it? Well, astronomers are getting that feeling about a giant, hidden object in space. And when we say giant, we mean GIANT.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

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Scientists, telescope hunt massive hidden object in space – This <b>...</b>

You know how you sometimes can sense that something is present even though you can't see it? Well, astronomers are getting that feeling about a giant, hidden object in space. And when we say giant, we mean GIANT.

Weekly Search &amp; Social <b>News</b>: 02/15/2011 | Search Engine Journal

Hello and welcome back to '7 Days of Search and Social'. Another week, another drama. While I've not looked historically to past years, one does have to wonder.

Live blogging Obama&#39;s <b>news</b> conference – CNN Political Ticker - CNN <b>...</b>

The CNN Political and White House teams are bringing you the latest developments and reactions from President Obama's news conference. Please continually refresh this page for the latest updates (CTRL-R). UPDATE: Read the full CNN.com ...

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Denver Broncos <b>News</b>: Horse Tracks - 2/11/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Facebook Changes <b>News</b> Feed Settings, Some Users Only Shown Close <b>...</b>

Facebook recently changed the options in its news feed settings so users either “Show posts from: friends and Pages you interact with the most” or from “all of your friends and Pages.” Some users have unknowingly been defaulted to the ...

Yahoo Unveils &#39;Livestand&#39; Tablet Newsstand And &#39;Personalized <b>News</b> <b>...</b>

As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...

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Denver Broncos <b>News</b>: Horse Tracks - 2/11/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Facebook Changes <b>News</b> Feed Settings, Some Users Only Shown Close <b>...</b>

Facebook recently changed the options in its news feed settings so users either “Show posts from: friends and Pages you interact with the most” or from “all of your friends and Pages.” Some users have unknowingly been defaulted to the ...

Yahoo Unveils &#39;Livestand&#39; Tablet Newsstand And &#39;Personalized <b>News</b> <b>...</b>

As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...

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Denver Broncos <b>News</b>: Horse Tracks - 2/11/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Facebook Changes <b>News</b> Feed Settings, Some Users Only Shown Close <b>...</b>

Facebook recently changed the options in its news feed settings so users either “Show posts from: friends and Pages you interact with the most” or from “all of your friends and Pages.” Some users have unknowingly been defaulted to the ...

Yahoo Unveils &#39;Livestand&#39; Tablet Newsstand And &#39;Personalized <b>News</b> <b>...</b>

As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...

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Denver Broncos <b>News</b>: Horse Tracks - 2/11/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Facebook Changes <b>News</b> Feed Settings, Some Users Only Shown Close <b>...</b>

Facebook recently changed the options in its news feed settings so users either “Show posts from: friends and Pages you interact with the most” or from “all of your friends and Pages.” Some users have unknowingly been defaulted to the ...

Yahoo Unveils &#39;Livestand&#39; Tablet Newsstand And &#39;Personalized <b>News</b> <b>...</b>

As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...

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Denver Broncos <b>News</b>: Horse Tracks - 2/11/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Facebook Changes <b>News</b> Feed Settings, Some Users Only Shown Close <b>...</b>

Facebook recently changed the options in its news feed settings so users either “Show posts from: friends and Pages you interact with the most” or from “all of your friends and Pages.” Some users have unknowingly been defaulted to the ...

Yahoo Unveils &#39;Livestand&#39; Tablet Newsstand And &#39;Personalized <b>News</b> <b>...</b>

As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...

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There are many ways to manage your personal finances, and a lot of them are very useful. The way you choose depends on the goals you hold for yourself.

Being able to manage your own personal finances is not simply about creating wealth for yourself, it is about creating all that you could possibly need in order to achieve your life's purpose. When you ready to start managing your personal finances, you need to make a goal for yourself that you will be trying to reach every step along the road.

When you are setting a goal, you need to keep a couple of things in mind. How much debt are you in? You should definitely work to get yourself out of debt, even if you have other goals as well. What is your plan for retirement; even if your first goal is to rid yourself of debt, you, like most Americans, need to have a plan for retirement. You wouldn't want to be tight on money in the years that you are supposed to relax.

Now that you have a goal in mind, you should start your planning. Remember, you need to have a plan before you can take another step to managing your personal finances. '

First, evaluate your current financial situation. From here you will have the ability to chart what you need to do to reach your future goals. There are 7 simple steps that will help you to reach your future goals.

1) You need to take a good look at what your financial situation is right now.

2) You need to establish what your future goals are.

3) You need to develop a plan that you will follow to reach your goals.

4) KISS- Keep It Simple Stupid, have an easy way to keep your records.

5) Keep an eye on your income and expenses.

6) Have a plan to deal with debt.

7) Measure progress as you move through your plan, you may have to alter it to reach your goals.

The best way to aid in reaching your goals is to starting saving as much as you can spare on a monthly basis, and avoid dipping into your savings account except when you really need to. For example, try saving about$100 dollars each month. If you can't really afford this much right now, make it lower, if you can easily afford this much, make it higher. What this will do is that, in addition to increasing your ability to reach your financial plans, it will ensure you that you will have something to help you when you retire.

If you were to start saving $100 per month when you are in your early twenties, you would have at least a quarter of a million dollars set aside for your retirement. Of course that is only true if you didn't start taking money from your account.

As you can now see, managing your finances can be as easy as just setting aside a couple hundred dollars once a month, if you make a plan and follow it; you can become debt free, and have nothing to worry about at retirement.

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To say the least! These poor guys! Fox News reporter Greg Palkot and cameraman Olaf Wiig, who were brutally beaten while attempting to cover the ongoing unrest in Egypt, appeared on Fox News...

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To say the least! These poor guys! Fox News reporter Greg Palkot and cameraman Olaf Wiig, who were brutally beaten while attempting to cover the ongoing unrest in Egypt, appeared on Fox News...

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To say the least! These poor guys! Fox News reporter Greg Palkot and cameraman Olaf Wiig, who were brutally beaten while attempting to cover the ongoing unrest in Egypt, appeared on Fox News...

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To say the least! These poor guys! Fox News reporter Greg Palkot and cameraman Olaf Wiig, who were brutally beaten while attempting to cover the ongoing unrest in Egypt, appeared on Fox News...

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To say the least! These poor guys! Fox News reporter Greg Palkot and cameraman Olaf Wiig, who were brutally beaten while attempting to cover the ongoing unrest in Egypt, appeared on Fox News...

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To say the least! These poor guys! Fox News reporter Greg Palkot and cameraman Olaf Wiig, who were brutally beaten while attempting to cover the ongoing unrest in Egypt, appeared on Fox News...

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To say the least! These poor guys! Fox News reporter Greg Palkot and cameraman Olaf Wiig, who were brutally beaten while attempting to cover the ongoing unrest in Egypt, appeared on Fox News...

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To say the least! These poor guys! Fox News reporter Greg Palkot and cameraman Olaf Wiig, who were brutally beaten while attempting to cover the ongoing unrest in Egypt, appeared on Fox News...

Comcast-NBC Deal Could Weigh on <b>News</b> Corp&#39;s Cable Programming <b>...</b>

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