Internet Sales Taxes, Version 42

Tax-free Internet shopping jeopardized by bill:

The Senate voted 74 to 20 Monday to take up the bill. If that level of support continues, the Senate could pass the bill as early as this week.

Supporters say the bill is about fairness for businesses and lost revenue for states. Opponents say it would impose complicated regulations on retailers and doesn’t have enough protections for small businesses. Businesses with less than $1 million a year in online sales would be exempt.

The exemption is a good thing. Complying with sales taxes across 50 states is a large accounting hassle. Amazon supports the tax, undoubtedly because they’ll have an easier time complying than their smaller competitors:

Is anyone surprised that internet behemoth Amazon now supports an internet sales tax? Why would they do such a thing? The explanation is simple: the new law will be complex and difficult to comply with, which will shut down a lot of Amazon’s online competitors.

Like I’ve said before, I can’t cheer for an Internet sales tax. I don’t want to pay more taxes and I don’t want the government sticking their noses in one more area of business. On the other hand, from the point of view of local businesses it isn’t fair that they have to compete with out of state companies that don’t collect sales tax. I don’t think for one minute that fairness is motivating government to create the tax, revenue is, but it’s a valid argument for the tax.

Should an Internet sales tax become law, I’d expect some smaller ecommerce shops to move to platforms that simplify the accounting burden. For instance, Volusion, Yahoo Stores, and even Amazon.

Posted in Ecommerce | 1 Comment

Happy 1st Birthday, Charlie

Happy 1st, little guy. It’s been a big year.

Minutes after you were born

Your great grandmother Geneva

338833_3798574681305_1496848337_o

Covered in sister kisses.

Conked Out

Big Man Sitting Up

First Easter

First Easter

First Halloween

First Halloween

Holding a bottle for the first time

Holding a bottle for the first time

First Christmas

First Christmas

Your mom and dad love you, kiddo.

Posted in Home Life, Photography | Tagged | 1 Comment

iPhone 5 Battery Life

I had an iPhone 4s at my last job. When I got laid off I picked up a used BlackBerry for 40 bucks, thinking I might land another job that would pay for a phone. No job yet and I hated the BlackBerry, so I bought an iPhone 5 last week.

I like it a lot, mostly. It’s thinner, the screen is taller, it has 4G, does noise cancelling to improve phone conversations, and some other things. Not a monumental upgrade over a 4s, but nice.

The reason I say mostly is that this morning the screen started flickering after waking up. It stops after a few minutes, but it shouldn’t do that.

The other thing is that the battery life is terrible. The 5 is supposed to have better battery life than the 4s, but so far I’ve had the opposite experience. Yesterday I took it off the charger at 100%. Seven and a half hours later it was down to 18%. Granted, I used it a lot, but that’s terrible battery life. Some 5 users are saying the same thing; others say their 5 is much better than their 4s.

I’m trying battery life tips this morning. I turned off push notifications, which I didn’t know about. Now I’m fetching data every half hour. Also turned off Location Services for everything but Find My iPhone, Maps, and Google Maps. I’m going to try some battery tips and stop at the Genius Bar the next time I’m out that way.

Anything else I should try?

Posted in Tech | Tagged , | 4 Comments

Study: Real Photos Better Than Stock Photos

Marketing Experiments BlogThis Just Tested: Stock images or real people?

So what were the results? Well, Mrs. Generic finally met her match. It appears that an attractive smile is not a match for a good name. Overall, the familiarity hypothesis held some water. When the recognizable image of the founder was used, visitors were 35 % more likely to sign up for a free consultation. Remember, this is a 35% lift on top of many other previous gains in the testing-optimization cycle.

I was having a conversation with a friend who also works on websites just yesterday about how much we hate sites with generic, stock photos of people in offices. Nothing says “cheap, generic website like a photo of people in business clothes working on computers.

My friend told a funny story about his friend in the web design business who goes one step further. He takes a stock photo of an office building and Photoshops the business’s name on the side, even if they only have a couple of employees. Like no one will ever notice when they actually visit the business.

Stock photos are okay. Places like iStock.com make it easy to customize the look of a site with quality photographs for a few dollars. I have a client right now who does business locally rather than nationally, so I’m using stock photos of local landmarks so that visitors instantly know he’s local to them. It’s just the generic photos of smiling people that make a website look generic and insincere.

Posted in Ecommerce, Social Media, Tech | Tagged | Comments Off

90,000 Strong Botnet Trying to Break in to WordPress Sites

wordpress-logo-notext-rgbArs TechnicaHuge attack on WordPress sites could spawn never-before-seen super botnet:

Security analysts have detected an ongoing attack that uses a huge number of computers from across the Internet to commandeer servers that run the WordPress blogging application.

The unknown people behind the highly distributed attack are using more than 90,000 IP addresses to brute-force crack administrative credentials of vulnerable WordPress systems, researchers from at least three Web hosting services reported. At least one company warned that the attackers may be in the process of building a “botnet” of infected computers that’s vastly stronger and more destructive than those available today. That’s because the servers have bandwidth connections that are typically tens, hundreds, or even thousands of times faster than botnets made of infected machines in homes and small businesses.

The attacks currently target the “admin” username and 1,000 common passwords. If you’ve got a simple or obvious password, now’s the time to change it.

If your WordPress admin account is admin you need to change that, too, and not just because of this bot network. I monitor failed login attempts, and 99% are using “admin” for the username.

I recommend the Better WP Security WordPress plugin for changing the admin username, monitoring failed logins and excessive 404s, and a whole lot more:

  • Change the database prefix from the default of “wp_”.
  • Disable admin logins during times when you never login.
  • Hide WordPress information in source code and files such as readme.html. That makes it less likely that Google searches and script tools can discover WordPress installations or WordPress versions with specific vulnerabilities.
  • Monitor file changes. I exclude directories that are supposed to have frequent file changes, like cache and backup directories:
    • wp-content/backup-db
    • wp-content/cache
    • wp-content/updraft
  • Temporarily or permanently ban access from IP addresses with excessive failed logins or 404s. Be careful with this setting. A search engine might hit the 404 limit when trying to access old URLs.
  • Optionally enable SSL for logins, admin area, or even the front end.

Backup WordPress First

Before making the security changes, backup your WordPress install. You should be doing automated backups anyway in case of successful hacks, server problems, or human error. Better WP Security has a backup feature, but I’ve tried it on two separate WordPress installations and couldn’t get the scheduled backup feature to work.

Instead I’m using the UpdraftPlus WordPress plugin for backups. It can backup the database and files separately. You should backup the database more often than the files. The database changes every time you create or modify a page or blog post, or receive a comment. The database is relatively tiny – even with thousands of blog posts and comments mine is only 437 MB – so backing it up doesn’t take much processor time or disk space.

Updraft Plus can email you the files, FTP or SSH them to another server, or upload them to cloud storage. Amazon S3, Dropbox, and Google Drive cloud storage are currently supported. You can choose to receive an email report every time the backup runs.

Posted in Social Media, Tech | Tagged | 4 Comments

Gold and Silver Hit Multi-year Lows

Massive $20 Billion Paper Gold Sell Orders Trigger Stop Loss Selling And Unfounded Panic

I had staggered stop loss orders in place that sold almost all of holdings on the way down, so I’m still in the black, but it’s been ugly for people who bought in the last year or two.

Posted in Economics | Tagged , | 4 Comments

Conversation Filled with Bad Words

KATIE: Daddy, Natalie used a bad word.
NATALIE: No I didn’t.
KATIE: Yes you did you said the B word.
ME: Natalie, don’t use that word.
NATALIE: Well, Katie used the H word.
ME: Katie, don’t say that.
KATIE: Natalie said the A word.
NATALIE: Katie, I heard you say the S word.
KATIE: You say the D word.
ME: Which one?
KATIE: Dumbass.
ME: At least no one used the F word.

Posted in Home Life | Tagged | 1 Comment

Stockton, CA Declares Bankruptcy

Stockton bankruptcy can move forward, judge rules:

The $900 million Stockton owes to the California Public Employees Retirement System to cover pensions is its biggest debt -– as is the case with many cities in California.

Stockton slashed its police and fire departments, halted bond payments, cut employee benefits and adopted an emergency spending plan that cut many city services. But the city continues to pay into the state pension.

CalPERS – California’s retirement system for government employees – has a long history of problems itself. Some of it is due to ridiculously over-generous pensions, with some state retirees pulling down more than $100,000 every year in retirement. CalPERS let’s employees retire as early as 55, so those retirement payments can stretch out for decades. CalPERS’s own actuary says the pension costs are “unsustainable.”

State auditor: California’s net worth at negative $127.2 billion:

Were California’s state government a business, it would be a candidate for insolvency with a negative net worth of $127.2 billion, according to an annual financial report issued by State Auditor Elaine Howle and the Bureau of State Audits.

The report listed the state’s long-term obligations at $167.9 billion, nearly half of which ($79.9 billion) were in general obligation bonds, with another $30.8 billion in revenue bonds, many of which were issued to build state prisons, whose “revenue” is lease payments from the state general fund.

The list of long-term obligations did not include the much-disputed unfunded liabilities for state employees’ future pensions, nor the $60-plus billion in unfunded liabilities for retiree health care. The Governmental Accounting Standards Board and Moody’s, a major bond credit rating house, have been pushing states and localities to include unfunded retiree obligations in their balance sheets and were they to be added to California’s, it could push its negative net worth down by several hundred billion dollars.

So that $127 billion doesn’t even include the underfunded liability for CalPERS and other government employee retirement and healthcare. This report lists the underfunded liabilities for just three programs – CalPERS, CalSTRS, and the University of California Retirement Plan – at $137 billion. This is what happens when politicians operate on the “buy votes now, pay debts after you’ve left office” plan.

Posted in Economics | Tagged , , | Comments Off

News for the Gullible – Google Nose

Anyone got a calendar?

The new scentsation in search

  • Coming to your senses: go beyond type, talk, and touch for a new notation of sensation.
  • Your internet sommelier: expertly curated Knowledge Panels pair images, descriptions, and aromas.
  • Take a whiff: the Google Aromabase – 15M+ scentibytes.
  • Don’t ask, don’t smell: For when you’re wary of your query – SafeSearch included.

googlenose

Posted in Funny Ha-Ha | Tagged | Comments Off

The DON’T GET SICK! Health Insurance Plan

Unc’s post reminded me to tell my story. So with unemployment comes a new healthcare insurance plan. It’s called “DON’T GET SICK!”. The idea is that if you don’t get sick, you won’t need healthcare. What could go wrong?

My wife and I agreed that with three kids we needed supplemental DON’T GET SICK! insurance. We found a Blue Cross/Blue Shield short-term plan for $350 a month, no physicals required. It isn’t great insurance. The copays and deductibles are high. It doesn’t cover pre-existing conditions. If I had another grand mal seizure and spent three days in the hospital it would cost many times more than the $3,000 I had to pay with great insurance. So as part of the DGS plan I’m extra careful about taking the medicine prescribed after the last seizure.

Still, it’s an improvement on the previous DON’T GET SICK plan. If nothing else it will keep us from being financially ruined in case we can’t avoid DON’T GET CANCER, DON’T HAVE A HEART ATTACK, and DON’T GET IN A DEBILITATING ACCIDENT.

Or DON’T BREAK YOUR WRIST. Right after we applied for the short-term policy the girls had a roller skating night with their school. I’m watching kids fall down left and right and thinking what a damned dangerous sport roller skating is. I counted off five people I knew who had broken arms on rollerskates.

Sure enough, Katie fell and sprained her wrist. My wife wanted to rush her to the emergency room – a $250 deductible on our good insurance, and who knows how much on DON’T GET SICK! supplemental insurance. When Katie wasn’t complaining about her wrist she could run around and dance, so I didn’t think it was serious enough for the ER. I Googled and found out that for minor sprains the treatment is ice, ibuprofen, and a wrist brace. We did all of that and she was fine in a couple of days. We’re definitely more discriminating users of healthcare than before.

My wife landed a job right after that, and we start on her insurance first of April. It’s much better insurance and doesn’t cost that much more than the DON’T GET SICK! supplemental insurance – about $600 per month for a family of five – because her company pays part of it. It eats up a big portion of her paycheck, though, and is going to rise $250 per month in October due to Obamacare. We’re hoping I’ll get a job soon to bring in more income and with any luck lower insurance premiums.

Posted in Health Care, Home Life | 4 Comments

Stuffed Animal Pants

I was watching Young MC’s Bust a Move video and noticed a young guy who looked like Flea wearing crazy stuffed animal pants.

I Googled and sure enough that’s Flea. He wore the same pants in RHCP’s Higher Ground video. Nice pants.

Posted in A&E | Tagged , | 2 Comments

Word of the Day – Selfie

From Urban Dictionary:

A picture taken of yourself that is planned to be uploaded to Facebook, Myspace or any other sort of social networking website. You can usually see the person’s arm holding out the camera in which case you can clearly tell that this person does not have any friends to take pictures of them so they resort to Myspace to find internet friends and post pictures of themselves, taken by themselves. A selfie is usually accompanied by a kissy face or the individual looking in a direction that is not towards the camera.

Previous WOTDSleeze

Posted in Photography, Word of the Day | Comments Off

QotD – The Truth at the Center of Politics

“We all know what to do, we just don’t know how to get re-elected after we have done it.”
Jean-Claude Juncker, Prime Minister of Luxembourg

Posted in Political Survival Kit, Quotes | Comments Off

NRA Dispels Conspiracy Theories About Large Federal Ammo Purchases

Good stuff.

Much of the concern stems from a lack of understanding of the law enforcement functions carried about by officers in small federal agencies. These agents have the power to make arrests and execute warrants, just like their better-known counterparts at agencies like the FBI.

For instance, the Social Security Administration solicited offers for 174,000 rounds of pistol ammunition. But the agency has 295 special agents who combat Social Security fraud that costs tax payers billions each year, so the order works out to roughly 590 rounds of ammunition per agent for training, mandatory quarterly qualification shooting and duty use. More than a few NRA members would use that much ammunition in a weekend shooting class or plinking session.

Posted in Guns | Comments Off

Conversation While Cooking Potatoes

ME: You know what The Incredible Hulk says when he’s making whipped potatoes?
MELISSA: What?
ME: HULK MASH!
MELISSA: That isn’t even a joke.

Posted in Funny Ha-Ha, Home Life | Tagged | Comments Off