Funny Speech Topics: July 2011

Friday, July 29, 2011

Making Money Scams

A rogue application is spreading via Facebook, claiming to offer easy invitations to Facebook's new rival in the social network market, ">Google+.

Many Facebook users have had messages like the following appear on their newsfeed:

Google+ - Get Invite

Unoffical Fan Page

Page: ‎XX,XXX people like this.

If you visit the page, you are invited to allow a third-party application to access your Facebook account.

You should also exercise great caution about what third party apps you allow to access your Facebook records, especially when they are demanding the ability to post to your wall and grab personal information such as your date of birth and current location.

Nevertheless, if you are hungry to get a Google+ Invite or to find an easier way to encourage your Facebook friends to join you on Google+ then you might (unwisely) carry on regardless.

The next thing which happens is you are encouraged to "Like" the page. Remember, you haven't seen anything yet which impresses you at this point - so why are you recommending the page to your online friends?

Just in case the "Like" wasn't enough - you are now encouraged to invite as many of your friends as possible to also sign-up for the scheme.

Of course, if you do send a direct invitation to your friends to sign-up for the Google+ Invite application then they may very well believe that you have checked it out for yourself, and trust your invitation. A sneaky piece of social engineering by the folks behind this third party application.

What we end up with is many thousands of people who have given a third party application, written by persons unknown, complete access to their Facebook page. That means they can later use your Facebook account to post spam messages, distribute other money-making scams, steal your personal information, and post in your name.

If you have been hit by scams like this on Facebook, and are struggling to clean-up your profile, here's a YouTube video I made which describes what steps you need to take:

(Enjoy this video? You can check out more on the SophosLabs YouTube channel and subscribe if you like)

Make sure that you keep informed about the latest scams spreading fast across Facebook and other internet attacks. Join the Sophos page on Facebook, where over 100,000 people regularly share information on threats and discuss the latest security news.

And if you are on Google Plus, feel free to add me to your Google+ circle so you can learn about the latest security threats.

You could also do a lot worse than check out our best practices for better privacy and security on Facebook guide.

Follow @gcluley
Three Marine corporals stationed at Camp Pendleton are facing charges over allegedly sham marriages created in part, those charged say, to evade the restrictions of DOMA.

The scam was hatched when a lesbian couple, one a Marine and the other a civilian, decided to live together off base, according to 1st Lt. Maureen Dooley, a Marine spokeswoman at Camp Pendleton. The female Marine found a male Marine willing to get married, allowing them to collect a $1,200 housing benefit, Dooley said. The civilian woman also eventually married a male Marine and collected government funds, according to officials.

The corporals, assigned to the 3rd Marine Aircraft Wing at Camp Pendleton, will face fraud and larceny charges, Dooley said, adding that other charges could come later. It was not clear whether the civilian woman would face charges, but the military would not have jurisdiction in such a case, Dooley said. "It doesn't matter what their sexual preferences are, if they're violating the law and making fraudulent use of government money, they will be held accountable," Dooley said. In addition to the charges, the three Marines could have to pay back $75,000 to the military.

The female Marine, Cpl. Ashley Vice, told San Diego's KGTV-TV Friday that she and her partner, Jaime Murphy, were forced to enter sham marriages because the military does not provide allowances for unmarried couples and they couldn't afford to live off base without the extra money. She and her partner only wanted to "be a family," Vice said.

Only legally married military couples are eligible for the housing allowance. Thanks to DOMA, that will not change even with the repeal of DADT. The three Marines face a year in jail.

(Tipped by JMG reader Bill)
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Friday, July 22, 2011

How A Payday Loan Can Assist You Financially

If you are in need of emergency money but have poor credit rating or bankruptcy background, then you may wish to consider availing a bad credit payday loan. Many loan companies offer these loans that permit you to borrow money up to Â£1000 or more in easy and convenient way. A payday loan company will not carry out a credit check to approve your loan software. Your qualification for getting mortgage is primarily based on your capability to repay.

A peep in to the functions

A online payday loansis really a type of cash advance in that you borrow cash and return it after your next payday. The loan term is generally between 14 and 21 days using the interest rate slightly greater than regular bank loans or credit score cards. This is understandable since these loans do not consider poor credit history and need no collateral as component with the mortgage qualifications. In addition to it, the procedure of securing a poor credit payday mortgage is very fast in comparison to every other conventional loans.

The approval process for obtaining the mortgage is very fast. Some payday mortgage lenders are in a position to procedure your application as quick as in 24 hours or much less. You obtain the cash deposited directly into your nominated financial institution account. This will mean you are able to pretty much resolve your financial emergency within the exact same day. Imagine when you have overdue bills to pay such as medical bill, car fix, utility bill, and so on. Obtaining a payday mortgage can help you ease your thoughts whilst you are also certain which you can make the repayment on your next payday.

Automatic Repayment

You're needed to repay the amount in a single installment. The payment will be setup and immediately deducted from your checking account around the because of date. You will want to make sure that the funds are accessible in your payday as there could be a fee if the debit is rejected out of your account. Although getting a poor credit payday loan is very simple, you should usually evaluate various prices from a number of loan companies before generating a mortgage decision. Some lenders use various charge framework, much depend on their place. On leading of that, make certain which you utilize the online payday loaninside the timeframe you agreed to avoid prolonged charges that might incur because of late payment.

Track record Examine Someone Utilizing Criminal Data

An employment background check is now generally carried out not just to possible workers but to current workers for promotion also. It is usually done to validate info discovered on an employee's resume or software type. It is also carried out to identify the best suited potential employee amongst the applicants. Also with what has happened on September 11, 2011, employers are now very concerned with the kind of workers they hire.

A background investigation consists of criminal, arrest, imprisonment, and sex offender documents. This is really a type of check where state data are examined to research if a possible employee or present employee has been convicted or charged with any crime against the state.

Citizenship, immigration and legal working status checks are also carried out because American companies are barred from employing unlawful employees from the Division of Homeland Security and its Immigrations and Customs Enforcement Division.

Litigation records are also checked. Workers who frequently file discrimination instances may be recognized as a danger into a company thus employers resort to litigation checks. Also, those businesses who do company using the authorities do not want to hire whistleblowers who file qui tam fits.

Driving and vehicle data are also part with the background check, particularly when a potential employee is applying for a driver position. Employers appear for workers who've clean driving records or those who don't have any records of vehicular accidents or traffic tickets.

Drug check data are also becoming checked. An employer would not wish to employ drug addicts in his business due to company ethics, employee performance will probably be affected and increase of workers' compensation rates.

Schooling records are also part with the online background check investigation. This is carried out to verify academic attainment with the potential employee and occasionally to check if applicant has had misdemeanor records in school.

Prior employment records may also be checked especially in the event the applicant will fill a delicate position in the business. This is usually carried out verbally.

Monetary information can also be checked particularly in the event the position becoming crammed requires someone to handle large amount of cash.

For professionals, licensing records are checked for grievances, disciplinary steps and investigations.

Medical, psychological and physiological files are also checked simply because a potential worker may not be match to work for health factors. A written consent from the applicant should be procured before heading through the entire process.

Social safety number examine can also be done simply because identification theft is quite rampant. A previous life might be concealed or an applicant might not have fulfilled the citizenship necessity might be verified through the social security quantity.

Although most the above data are public data and can be procured from different authorities agencies in the United states of The united states, it is nonetheless extremely inconvenient for employers to complete background check on its possible employees as well as present employees. There are numerous private investigators who offer the support. Also, there are third celebration companies who also provide the same type of support. There are also available online information banks which may offer the essential information about people. What they do is they buy U.S. public data and provide them online for a fee.

Tips On How you can Decrease Your Car Insurance coverage Rates

As contemporary customers, individuals have turn out to be trained to comparison price often for solutions individuals spend cash for. Financial solutions for example mortgages, insurance, also banking are a couple of of most likely probably the most competitively priced services that battle for business. 1 of these, car insurance is most likely probably the most aggressive. You will find many companies that sell car insurance coverage for a broad range of costs and in fact is vital that you have an understanding of the differences amongst the companies and why you'll find such a large assortment of costs.

Businesses that consist of car insurance can be frequently classified into two classes: on-line and full service. You will find several basic dissimilarity among both of those business types that has a great influence on costs and service.

On-line insurance is very well-liked for people who're definitely computer experienced and comfortable with doing company on-line. This demographic is expanding, but occurs to become younger and busier and views the capability to search on-line and quote, acquire and print insurance documents by themselves without worrying about the advantage for speaking with an insurance coverage agent as a convenience and not as being a danger. Those that are structured to focus on this demographic are actually set up to become the cost leader because they truly do not have the accessible funds invested inside a major amenities and in an agent power and can provide a cost reduction but still keep on being productive.

Full support companies are created beneath a various company viewpoint. They market their policies through a network of area agents who maintain an actual office. They have acquired advertising methods and strategies which core around becoming in a position to grant customized one on 1 service. Moreover, complete instant auto insurance service providers will typically handle to package offer policies in addition offer package offer decreased prices for purchasers who have house and life policies which is in certain cases are more aggressive than the selling cost the internet based policies offer for your car on your own.

An extra thing to consider when you evaluate internet based businesses to actual service companies is the service when handling claims. Usually, the web primarily based policies won't have the ability to deal with a declare as rapidly or resourcefully because the full agency will be able to.

The online policies will generally use a third celebration agreement insurance adjuster who generally has a big backlog of statements to appear more than. But, full service coverage which will have accessibility to numerous in-house statements adjusters who will go and consider care with the claim instantly.

Thursday, July 21, 2011

Know The Importance Of one's Free Credit rating

More and more loan companies, employers, landlords and insurance coverage companies are checking your FICO score as component of their procedure of approving your loan, landing a job, getting your personal home to reside, or great rates given for just about any kind of insurance coverage that you may have utilized for. To achieve all of these things which you are dreaming of accomplishing building a good online credit report history is the initial thing that you have to do if in case you got one with a bad history.

Credit score scores start from the reduced 300 towards the cream with the crop 850. A normal consumer includes a credit range of 600 to 700 but some may have much more than this. A FICO score is the foundation of most lenders and credit bureaus of computing your creditworthiness. A good credit score score falls on an typical of 720 and above. Where does 1 obtain the information on their respective credit scores? By legislation this is given for totally free once a yr coming from the 3 major credit bureaus: Equifax, Experian and TransUnion. Your scores and credit score background exhibits your current and closed accounts also as your payment background.

Lenders do generally have a appear in your instant credit report history as the basis on whether they'll grant your mortgage at a great interest rate or deny this completely. If correct now you're intrigued on applying for a mortgage that necessitates a high credit score score then it would be very best to use for FICO score monitoring which usually provides you an update in your scores on the weekly basis. Subscribing to this on-line support alerts you whenever you have reach your high score objective as long as you setup a threshold for it. Some would go so far as sending you an sms to alert you whenever your scores have change for your much better or for the worst.

To help you build a much better credit score score and background listed here are some easy guidelines to follow:

Request a copy of your credit history as needed if not wait around for it once a year but do monitor your history for just about any mistakes. In the event you see discrepancies then you are able to dispute them by heading via your reports completely.

Spend your bills on time. Include some much more on the minimum amount which you usually spend since this would trigger your credit score score to rise and could be noticeable for many loan companies that you are a good borrower simply because you spend on time and is also sincere in settling your bills.Steer clear of maxing out on your credit restrict. This may surely trigger your credit scores to drop that fast. Cancel credit cards which you are not utilizing or don't need and pay promptly for the bank card expenses.

Hoodia Gordonii Like a Weight reduction Supplement

Hoodia is just the product which is a excess weight decreasing supplement that has all the effects which are required to aid in sustainable weight reduction. This bodyweight lowering supplement is made of the very best natural urge for food suppressants accessible. These are accessible in supplements and all you might have to do would be to consume them to get the effects. These Hoodia gordonii tablets make you feel full and your appetite is suppressed top to decreased weight.

The effect of your hoodia gordonii to the individual is highest, and gives effective weight loss due to the fact on the excessive potency in the item. This fat reducing supplement is pure and healthy. You will find also a large number of antioxidants that are obtainable on this natural item that prevents many other illnesses from taking place. The lack of side effects and in addition the truth the bodyweight decrease is sustainable are a few of the key benefits of using hoodia gordonii is really a cactus plant indigenous towards the South African desert. Whilst the Kalahari tribesmen have used Hoodia Gordonni for centuries-as an appetite suppressant throughout famine, or in excess of the course of long journeys-the weight reduction business is only just starting to harness Hoodia Gordonni as being a diet plan supplement.

Discover Advantageous options For speedy Hemorrhoid Recovery

Hemorrhoid relief may be caused by numerous issues, yet hemorrhoid therapy is often not tough. No two people have the same problem so remedies will differ from person to individual. Dietary modifications may resolve the issue with out intervention although not always. Some cases may entail just treating the signs and symptoms, others will involve non-surgical techniques whilst serious instances might actually need surgery.

The best program of therapy can only be established after consultation having a health-related professional. However, don't hesitate to attempt home treatments first as they may rectify the scenario. Home remedies are frequently useful in hemorrhoid therapy. The first factor to keep in mind is that irritation can worsen your hemorrhoids. Avoid this by utilizing moistened wipes instead of toilet paper or rinse off within the shower as an option. To assist with discomfort and itching, consider a bath in warm h2o. The h2o only needs to cover the anal area, just be sure to soak to get a minimal of fifteen minutes.

Do not sit or stand for too long when suffering from this condition and, if in any way feasible, sleep on your stomach to steer clear of further irritation. Over the counter remedies may also offer reduction so don't hesitate to use them. Just be sure to study about any feasible unwanted side effects so you are able to understand what to appear for.Fixative procedures are utilized as a non-surgical technique of hemorrhoid treatment.

Methods include rubber band ligation and coagulation therapy. Rubber band ligation involves tying a rubber band about the hemorrhoids. Coagulation therapy involves utilizing laser, warmth or electric present to produce scar tissue. With both technique. the objective would be to reduce blood flow to the hemorrhoid so it'll shrink or disappear. Scar tissue which outcomes from fixative methods helps support anal tissue while stopping new hemorrhoids from happening.

Surgical treatment is always the final resort in hemorrhoid cure.

This surgical process is known as a hemorrhoidectomy. This kind of process generally has much better results than fixative methods however demands longer recovery time and may outcome in problems. Also, the price of this surgical treatment is extremely substantial which may make it more prohibitive. Fixative methods are always preferred with older individuals due to these risks.

As usually, prevention will be the best technique of hemorrhoid therapy. Dietary modifications can frequently help with this particular. Steer clear of sitting or standing for lengthy intervals of time and take care when lifting heavy objects. Do not wait to have a bowel motion and avoid straining while doing so. All of this will help to stop hemorrhoids, just know help is available if required.

What You need to Learn about Genital Warts Treatment

Topical medicine that wellness practitioner could location in use to genital HPV warts include Trichloroacetic acid (TCA), Podophyllin resin and BCA (Bichloroacetic acid). Any of these 3 options will necessitate therapy method sessionss executed by the wellbeing treatment qualified weekly. Trichloroacetic acid therapy together with BCA are commonly equally equally utilized commonly, even so under no conditions have been seriously researched.

Whichever remedy solution is selected, abide by up consultation in three months to review the performance also as examination for the topic of recurrence is definitely suggested. Genital HPV warts also as Human Papillomavirus could not be a make a difference that people enjoy to examine, nevertheless it's an concern you must educate your self on. Open up dialogue together with your wellbeing care practitioner will probably be able to guide you to pick if you want to attempt treatment additionally to which therapy will be the most effective for you personally.

There exists a excellent 3rd genital warts out there recognized as Amoils "Recover Warts". Numerous researchers have indicated a favourable final result and recovery rate for this remarkable treatment method which framework system can combat Human Papillomavirus.

Genital warts in men are brought about by the human papilloma virus (HPV), which leads to warts on the two men and females. This is really a single of the most contagious of all viruses and gets spread by skin to skin talk with in the program of sexual activity with an contaminated individual. The stats reveal that some twenty million Us residents have this trouble which continues to be labeled probably the most broadly spread sexually transmitted disease (STD).

Genital warts in guys manifest on their very own in the kind of bumps or swellings on the genitals (penis, scrotum, anus) and bordering spot. You can go around the web to any one particular of numerous web pages to make a comparison with the images that are offered. The warts or swellings are generally red, pink or grey in colour

genital warts relief do not normally display up immediately soon after the infection has been transmitted. In fact it can consider a few months for the warts to begin rising or you could never at any time exhibit the signs but even now possess the ailment. These warts can grow by on their own or in teams to resemble the head of the cauliflower.

This highly contagious disease is capable of becoming spread to other people even when the carrier with the virus has undergone remedy. The cause becoming there's no treatment for the warts since they are able to reappear whenever you want.

A person who suspects they might maybe have contacted the HPV virus ought to quickly request health-related interest. There may be serious wellness penalties in the event the genital warts are not dealt with as quickly as they are identified. The virus can hurt cells. Most folks knowledge some kind of indicators indicating an outbreak of the warts nevertheless there are individuals who have no indicators in any way and aren't even knowledgeable they have the ailment.

Doctors can prescribe a assortment of treatment choices to rid you of the genital warts, once more there is no ensure that the warts will not reappear. Abnormal smoking and alcohol utilization are considered to increase the danger of the warts reappearing.

Tuesday, July 19, 2011

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If you take into account marketing your small business on golf courses, you can find distinct factors to become thought to be before purchasing indicators. The initial cause is quality of the indicators. Ensure that the indicators that display your brand are produced employing supplies that will withstand the toughest of environments and don’t need a great deal upkeep.

Go for any wide selection of supplies - aluminum, bronze, granite, redwood, sandstone Kingstone or Rinowood to search out the sign that suits to your organization requirement. There are some reputable firms that give fantastic turnaround time that would assure your satisfaction from their service. A dependable firm that provides good service is Bench Craft Company. You'll be able to contact such an marketing firm directly and get a quote. You would like your signs to search attractive and stylish.

Golf cart is a different powerful way of reaching golfers. You are going to have your advertisements in direct sight from the golfers once they ride the cart. An normal round of golf lasts for five hours, which signifies numerous time to receive sufficient impression. Billboards are the key advertising merchandise on golf courses. It has double sides, which aids in displaying advertisements on both sides. It might be installed amid the assistance poles around the front or rear side in the cart. The ideal size for billboards is 4x36 inches and, it may vary in line with the course. And, you can stay assured that it might deliver you 300 to 400 impressions in a round.

A pin seeker banner is one more effective way of branding around the golf course. Along with the critical information regarding the course, you can also show your brand or logo on pin seeker banners. This can be set up amid the assistance poles on the front and rear side of your golf cart. They also have a perfect size of 4x36 inches, which can maintain varying according to the course. Equivalent for the billboards, they are able to also assist your messages get as numerous as 300 impressions inside a round.

The GPS around the golf cart also can be used like a wonderful advertising medium. The important distance details is generally checked by golfers, and also you can get your ads displayed beside the display. The GPS units are primarily set up around the dashboard or around the windshield. And, the benefit of marketing on digital engineering is that you'll be able to update your advertisements whenever you desire.
Advertising firms like Bench Craft Company supply extensive sponsorship and advertising options that let your brand to attain matchless exposure towards the high-end golf players and audience. Using the extensive advertising alternatives, you will get your brand messages displayed on golf courses for extended intervals of time.

The benefit of marketing on golf courses is that it offers you a lot more than 90% attain to golfers and audience, and there is no other medium that presents a lot achievement rate. Considering that your brand gets an extended period of exposure, golfers could be able to view your ads from 1 to 6 hrs on the basis with the placement. And, this means that you just get constructive recognition for the brand as golfers will link it with enjoyment. And, when you are operating with specialist advertising firms, you can stay assured that there is certainly no cluttering as every placement will carry separate brands.
Another successful advertising medium is the golfer’s bag. Golfers drive across the course with their bags or they just leave it at the bag drop, but it can generally obtain a minimum of 30 impressions inside of a round.

A different advertising medium to reach a wide spectrum of golfers is by way of driving ranges. The average session can final from 30 to 45 minutes, and also you can get exclusive impressions to your brands and goods.

Driving variety displays make it easier to reach golfers of distinct ranges. You receive top logo positioning in distinct hitting bay. Advertising firms styles driving ranges, customized to suit the present variety configuration of each course. This contains pop-out banners, A-frames and materials for mesh banner.

Expert marketing firms make sure complete flexibility so as to generate certain that your company gets linked together with your audience inside a manner it makes sense.

Most of the reputable golf course marketing firms let you choose inventory with the golf course or for golf occasions. And, considering that the campaigns might be customized, they are going to always fit into for your price range. The length of your advertising campaign can variety over golf seasons or more than months.

And, all of the capabilities in the campaign are facilitated by the advertising firm. This contains design and style, placement, reporting and maintenance. And, the approval from the golf course, for the creative material, is also the responsibility with the marketing firm. If you're thinking about exploring golf course advertising to market your enterprise, then you definitely must certainly check out http://benchcraftcompany.net

Tuesday, July 12, 2011

Stock Making Money

After 6 straight weeks of losses, it looks like the US stock market is ready for a winning week. The Dow rose 123 points. Oil stayed below $100. But the yield on the 10-year T-note rose above 300 basis points.

And here’s the latest from The Financial Times:

“S&P cuts Greece’s rating one step closer to default.”

Want to earn a nice yield on your money? Buy a Greek 10-year bond. It will pay you 17% interest. For a while.

But wait. You say you can’t trust the Greeks? You say they’re not good for the money?

“The Greek political landscape is ingrained with vested interests, endemic kleptocracy and bribery,” writes John Sfakianakis, chief economist of Banque Saudi Fransi.

Unemployment is around 20%. People dodge taxes. Government workers don’t show up for work. Households spend too much. And the government is going into debt so deeply and so rapidly it can’t possibly get out.

Hey… It’s just like the US! No, the US is worse, says Bill Gross. CNBC:

When adding in all of the money owed to cover future liabilities in entitlement programs the US is actually in worse financial shape than Greece and other debt-laden European countries, Pimco’s Bill Gross told CNBC Monday. Much of the public focus is on the nation’s public debt, which is $14.3 trillion. But that doesn’t include money guaranteed for Medicare, Medicaid and Social Security, which comes to close to $50 trillion, according to government figures.

The government also is on the hook for other debts such as the programs related to the bailout of the financial system following the crisis of 2008 and 2009, government figures show.

Taken together, Gross puts the total at “nearly $100 trillion,” that while perhaps a bit on the high side, places the country in a highly unenviable fiscal position that he said won’t find a solution overnight.

“To think that we can reduce that within the space of a year or two is not a realistic assumption,” Gross said in a live interview. “That’s much more than Greece, that’s much more than almost any other developed country. We’ve got a problem and we have to get after it quickly.”

How do you like that? He didn’t even mention the fact that Americans can’t sell their houses to Germans or turn their country into a retirement home for sun-deprived Scandinavians.

But wait, if the US debt situation is as bad or worse than Greece’s, how come the yield on US 10-year notes isn’t 17% too?

Therein may lay an even bigger opportunity. What if Mr. Market were making a mistake?

Everybody knows that Greece always defaults on its debt. It’s been in default, one way or another, for about half of its life – ever since it gained independence in 1828.

But the USA? If you can’t trust the US to pay up, who can you trust?

So, investors may feel secure lending money to the US…even though the fundamentals are little different from those of Greece. They may think: “the US never defaults.”

And yet, if there’s one thing we can learn from financial history it is that nobody is immune from financial errors. Everyone gets greedy and stupid from time to time. And no paper currency lives forever.

Right now, you can earn 17% on Greek debt or 3% or US debt. We’ll make a prediction that you can take to the bank: that spread will narrow.

The inflation rate in America is a matter of debate. But even the US government’s own number crunchers put it at about 5% for the first quarter of this year. That makes the real return on US 10-year notes a MINUS 2%.

How long will investors content themselves with a negative return? Maybe for a while. But not forever. They usually want a real return of about 3%, with no threat of default. A safe return, in other words.

And when they realize that the inflation rate in the US is really 5%…and that the return on US debt is NOT safe…they’re going to want a higher interest yield.

Say 5%. Or 7%. Or 10%.

Then, all hell is going to break loose.

Bill Bonner

for The Daily Reckoning

The Likelihood of a US Default originally appeared in the Daily Reckoning. The Daily Reckoning provides over half a million subscribers with literary economic perspective, global market analysis, and contrarian investment ideas.

Read more posts on The Daily Reckoning »

Will the stock market be giving Pandora Media Inc. a thumbs up?

The Oakland-based Internet radio pioneer, which asks users to give a thumbs up or down on its song recommendations, on Tuesday priced its initial public stock offering at $16 a share. That's double the $7 to $9 range the company had initially projected in April in a filing with the Securities and Exchange Commission.

It's also higher than the range Pandora gave just days ago when it raised its target to between $10 and $12. The stock will begin trading on the New York Stock Exchange on Wednesday.

Tom Petruno, The Times' markets columnist, said in a post on Money & Co. that Pandora is simply tuning in to a chorus of investors clamoring to get a piece of hot Internet IPOs.

With companies such as Demand Media Inc., LinkedIn Corp., Yandex and now Pandora paving the way, many investors are frothing over what could be the main events over the next year when Zynga Inc., Groupon Inc., Facebook Inc. and Twitter Inc. are expected to go public.

But the lofty stock valuations are causing some analysts to see the scenario as a subdued remix of the dot-com bubble in the late 1990s, when companies with little revenue and even smaller chances of making a profit went public.

This time around, however, many of the companies have years of operations under their belts and show strong revenue growth. Some, including Zynga, are even said to be profitable.

Pandora, however, whose IPO pricing gives the company a $2.4-billion valuation, is still in the red. As is Groupon, which lost $389.6 million in 2010.

That hasn't deterred investors from piling in and driving up IPO prices. For Pandora, the question now is how high investors will push the stock in its trading debut.

"It's a great company that's probably worth $1.2 billion," not $2.4 billion, said Anupam Palit, an analyst with GreenCrest Capital Management in New York. "There's so much investor demand now for hot tech IPOs that the price has gotten a little rich for my taste."

-- Alex Pham

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