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Saturday, March 31, 2012
NASA's New Rocket Sled Looks Like a Lot of Fun [Video]
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Credit.Com: Debt Counseling: An Educational Overview
(PRWEB) January 7, 2004
Mounting debt-related issues can overwhelm and dominate people?s lives. Causes for seemingly insurmountable personal debt are often unrelated to spending habits: loss of employment; uninsured medical bills; litigation; divorce; and catastrophic loss. The consequences of cascading creditor demands can drastically impact the family environment and are certainly crafted to impart severe stress on the delinquent party. So before you toss bills in a drawer, it may be time to adjust your debt strategies and consider credit counseling. In 2002, more than two million Americans sought assistance from credit-counseling agencies, according to a Georgetown University survey.
When do you need help?
How should you determine whether you need help? Credit counselors say there are several symptoms which indicate that someone needs a ?debt doctor.? They include:
Not being able to make more than the minimum payment on credit cards.
Using credit to pay for items you previously purchased with cash such as food and gas.
Satisfying credit card minimums by charging them to other cards.
Being vulnerable to financial emergencies, such as car repairs, that could be devastating.
Never seeing an improvement in your finances year after year.
Worrying about money.
The experts agree that the determinant is not how much you owe, but how the debt affects you. Your debt load could be $ 1,000, and that could feel pretty severe. Essentially, you should seek help when you start feeling distressed.
Where do you turn?
When you?ve decided to seek help, there are plenty of places to turn to. If you can?t afford hourly fees to hire a certified financial planner, the most highly recommended services are nonprofit debt counseling agencies.
Nonprofits generate most of their money through voluntary contributions from clients, small fees and funding from creditors, which enable these organizations to provide assistance to thousands of people each year at little or no cost to the clients. The nonprofits? relationship with the debt community has an added benefit: They can often negotiate better rates with those same creditors on your behalf. Lenders support the agencies because they are helping them get their money back. Some creditors will reduce or waive finance charges and stop charging late fees to customers who sign up for a debt management program with a nonprofit credit counselor.
Debt management plans are generally for people whose bills can be wiped out in four years or less. The National Foundation for Consumer Credit (NFCC), a nonprofit counseling agency, says its average client is 36 years old, makes $ 32,000 a year and has $ 23,000 in unsecured debt. However, there are people whose situations are so dire that they are turned away from counseling agencies. For instance, if you just got out of college, are unemployed and have $ 85,000 in credit card debt, the NFCC would probably advise you to seek legal services.
That?s where for-profit companies often come in. They negotiate settlements with creditors for people who are on the brink of bankruptcy or have been sued. Their average client is $ 30,000 to $ 40,000 in debt and has been turned down by counseling services because they can?t meet the minimum payment requirements.
For-profit companies work on contingency fees, meaning the client pays only if a settlement can be reached. The advantages: you get out of debt much quicker, usually within a year or two; and you avoid bankruptcy. The disadvantages: you may have to liquidate a valuable asset such as your home or retirement savings; and a quick fix might not change bad habits like a long-term payoff plan would.
Implications for bankruptcy alternatives
Presently, there is legislation going through Congress to revise the bankruptcy code that will make it harder for people to file for Chapter 7 or 13 by requiring them to undergo debt counseling first. Because bankruptcies have risen dramatically, the banking industry, particularly credit card companies, have pushed heavily for this new legislation. President Bush is expected to sign the bill into law if it ever reaches his desk. Here are the highlights:
To encourage debt counseling over filing for bankruptcy, those thinking about filing must obtain a briefing about credit counseling services not more than 180 days before filing.
Debtors who earn more than the median income earned in their state must pass a means test in order to file Chapter 7 bankruptcy. Currently, the national median income for a family of four is $ 60,000. Secured debt and necessities (alimony, child support, living expenses, etc.) are subtracted from the debtor?s monthly income to determine what is left over for repayment of unsecured debt. If it is determined that a debtor can pay the lesser of $ 10,000 over a 60 month period, or 25 percent of his debt (which must be at least $ 6,000), then he must file Chapter 13 bankruptcy. If the debtor does not pass the means test, he can file Chapter 7 just as with the old law and have much of his unsecured debt erased.
If the debtor?s income is greater than the median in his state, then he must submit to a means test to determine if he must file under Chapter 13 or Chapter 7. The means test is done by subtracting mortgage and auto payments; alimony, child support, other secured debt and reasonable living expenses (food, utilities, etc.) from monthly income. Unsecured debt, such as credit card payments, is not subtracted.
The amount that is left over each month after paying debts and living expenses is used to determine if one must file under Chapter 7 or Chapter 13. If he files under Chapter 13, the bankruptcy court will set up a budget for him so that he can repay his debt over a five-year period. If the debtor doesn?t pay according to the plan, the court can dismiss the case and his creditors can once again resume collection efforts.
If a debtor can?t pay according to the plan because of unemployment, a change in income, illness, etc., then he can petition the court for a revised plan or even have his debts discharged completely. If the debtor?s income drops below that used in the means test above, the bankruptcy can be converted from a Chapter 13 to a Chapter 7.
Regardless of whether one files Chapter 7 or Chapter 13, there is a requirement to take a financial management course given by a debt counseling service in order to discharge the bankruptcy.
How do you choose a counselor?
Search carefully before you pick a firm. There are no federal regulations governing credit-counseling agencies, and few states have laws for licensing, bonding or regulating debt-counseling firms. That means that anyone can start a credit counseling or debt consolidation firm.
Another point to remember is that most debt-counseling companies are set up as non-profit corporations. Debt-counseling firms will tell you that their company is not-for-profit because they only want to help consumers. But don?t let that fool you into thinking you are getting an advocate fighting solely for your financial freedom. One reason credit-counseling companies choose this tax status is because it allows them to avoid the expense of posting a bond in a state that would otherwise require them to ensure that consumers funds are secured.
Ask if the organization belongs to any professional groups such as the NFCC or the Association of Independent Consumer Credit Counseling Agencies, both of which establish professional and training standards. Have them explain how they?re audited and if your funds are protected. Ask for references and check for consumer complaints filed with your state?s Attorney General?s office and/or the Better Business Bureau.
Before enrolling, it?s best to find out upfront exactly what services you?ll receive. Credit counseling organizations usually have a variety of programs and resources ? from online chat rooms, self-help publications and community seminars to one-on-one counseling, long-term debt management programs and budgeting advice. The more services they offer you, the better help you?ll get. It?s good to have them put it all in writing and send you the information before you proceed.
Keep in mind that any agency offering you a debt-management plan in less than 20 minutes hasn?t spent enough time looking at your finances. An effective counseling session, whether on the phone or in person, takes a significant amount of time.
Avoid so-called credit repair services that say you can erase negative credit report information or obtain new credit by using a newly obtained federal tax ID number versus your Social Security number. This is simply illegal.
Privacy is usually not an issue, but it?s wise to check that the agency?s policy is not to sell your information to for-profit groups.
How much will you pay?
It is extremely important that you nail down the fees, if any, that the agency charges. The Association of Independent Consumer Credit Counseling Agencies tells members that services must be available to the public regardless of ability to pay.
Generally, there may be a fee to set up a debt-management plan and a monthly fee or ?requested donation? to maintain the plan. The Association of Independent Consumer Credit Counseling Agencies requires its member agencies to limit to $ 75 the fees to set up a debt management plan. It states that the maximum fees, or requested donations, for monthly maintenance of a plan shouldn?t exceed $ 50.
In 2001, the average cost to provide budget-counseling sessions was $ 14. The average enrollment fee for a debt-management plan was $ 19, and the average fee for monthly debt management plan services was $ 12.
Avoid programs that charge 100 percent of the first month?s payment. Some even add on a monthly charge for each account included in the debt-management program. If your monthly payment is $ 350 and you have eight credit-card accounts, this can add up to more than $ 1,000 in the first year.
Some agencies will tell you that their fees are voluntary, but then will pressure you to pay the fees in full. If that happens to you, go somewhere else. Don?t be pressured to pay up. If the agency is vague or reluctant to talk about specific fees, walk away.
How do you develop a debt management plan?
Once you?ve found a service you trust, the next step is to organize all of your bills before talking to a credit counselor. The counselor will figure out what you owe and work with you to determine how much you can pay each month. Then, instead of writing checks to each creditor, you?ll write one to the service, which will then distribute the money. The goal is to develop a plan that allows you to afford the necessities of life and whittle away at the balances you owe at the same time.
Once you?re in a program, the much-dreaded phone calls from creditors should stop. Creditors do have a right to call you and talk to you about your debt but if you arrange acceptable payment programs, they?re usually not going to waste their time.
After you?ve set up a payment schedule, the counselor will talk to creditors and try to get them to reduce your interest rates and waive late fees to shorten your time in debt. The counselor may also coax creditors to ?re-age? your account, which means reporting past due amounts as current. Once they accept your debt-management proposal and receive three months of payments on time, creditors are more willing to accept those terms.
How do you learn how to manage your money?
Once you?re on your way to paying off your old debt, you?ll need to set up a budget. Credit counselors can help with that as well. Most people don?t know how much they spend each day ? you may remember about the big-ticket items, the rent and the utility bills, but you may lose track of how much you spend on extras like restaurants, dry cleaners and video rentals.
Counselors can help you track your spending. They?ll teach you to record what you pay right down to the newspaper and bagel you grab on your way to work. Many counseling services can show you how your spending habits stack up to those of a ?typical? American with your income. They?re trained to walk debtors through every category and come up with an acceptable budget. Then counselors will check in with clients for several months to see how well they?re sticking to their spending plan.
What are the disadvantages of debt counseling?
If you?ve managed to keep your credit report clean as your debts have spiraled, there can be a downside to contacting a credit counselor. Not every creditor looks upon your involvement with one as a good thing. While many creditors think it?s great because it increases their chances of getting paid, others might issue an alert on your credit report. That could affect your chances of getting credit down the road.
Some mortgage lenders say that getting involved in debt management programs can harm prospective homebuyers? credit reports. This happens when the individual signs up and makes a monthly payment to the credit counselor, who then sends the payment a month later, or worse, keeps it as the initial ?voluntary contribution.? That causes the creditors to report a ?late-payment status? on each account involved ? something mortgage lenders frown on. Also, consumers need to know that the words ?Managed by Credit Counseling Company? will appear under each account on their credit report enrolled in a debt management program.
Regardless of the method you choose to beat the bills, there is no guarantee that your credit rating can be saved. But advisers agree that a person in debt should not focus on that. Good credit is what gets a lot of people in trouble in the first place, and oftentimes they?ll have to sacrifice that in order to get the job done.
What happens next?
Fear sometimes propels people to fall for fix-it scams such as credit repair, title or payday loans, and advance-fee loans. The only sure and solid way to repair a credit history is over time, by paying bills when they are due and making sure your credit report contains correct information. It?s best to seek help sooner rather than later. There is no need to feel embarrassed or ashamed. Everybody has credit card debt, but you can take a brave step forward to learn how you can manage it better for the rest of your life.
About Credit.Com
Credit.Com, headquartered in San Francisco, was co-founded in 1995 by Adam Levin, a former director of the New Jersey Division of Consumer Affairs, to give consumers access to accurate, trustworthy credit resources. The Credit.Com network provides consumers with vital products and services to help them build, protect, and maintain healthy credit. Credit.Com offers a full suite of loan, mortgage, credit, debt, tax, and other financial resources. Credit.Com can be reached at toll-free at 877-273-4273 or via its website at http://www.credit.com. (http://www.credit.com)
?2003 Credit.Com, Inc. All rights reserved
###
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French Language Computer software | Free Education Online
French language software package is truly the best and most productive way of studying the language. The outdated, classical techniques of studying French include textbooks, reference guides and audio CD?s, but when a piece of software package arrives along that can utilize all a few techniques much far better than they actually could by themselves, why appear back again? Which is the mentality of the modern computer user who happens to be intrigued in understanding a foreign language. The software program out there nowadays is intended to educate you the language in the most organic way attainable, easing you into the language and building on your ideas as you progress.
Although French language software program does incorporate multimedia through audio, video clip, text & speech lessons, the software package nevertheless does not make it fully easy to find out a international language. After all, you might be practically re-training your brain on how to evaluate every little thing it registers in an fully distinct way.
Nearly all foreign languages assemble sentences and concepts in other techniques than your native tongue, forcing your brain to regulate appropriately. Language software just helps make the approach less difficult for you, you will still have to remain inspired and carry on to discover the language at your personal speed.?
Computer software is turning into the language-teacher of selection for tens of millions of individuals. Now every person from government organizations to even schools are replacing traditional language professors with all-encompassing computer software. And because of very good purpose. For individuals truly wishing to learn the French language in the shortest quantity of time, French language software package is certainly at the top of the record.
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Friday, March 30, 2012
S. Korea activists protest against Japan
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Test it out: Free Web-based turn-by-turn GPS
Featured
13 hrs.
The latest DSLRs from Canon and Nikon will likely be the premier cameras for photographers and videographers. Rosa Golijan looks at the chan... Read more
8 hrs.
Tired of going to Google Maps on your phone when you're driving and hoping you can make it far enough without having to look at your screen? Don't like the idea of using an expensive, dedicated GPS smartphone app? GPS software maker Telenav may have the answer to your prayers with Scout for Apps.
Msnbc.com's Wilson Rothman wrote about this program when it was in development a few months ago, and Wednesday it became available to developers -- and to consumers -- to try.?
I headed over to Scout.me, and used the Web-based program to find directions from where I live to a deli in a nearby community. Then, I simply asked it to send the directions to my iPhone. Within seconds, I received a text message with a link to spoken-word turn-by-turn directions -- on my phone's Web browser. There was the standard nav voice most of us are used to hearing, reading the directions I asked for, along with a route map, with no particular app required.
Right now, Scout for Apps is only out for Apple's iOS platform, but an Android version will be available later this year, Telenav says.
You may be wondering why a navigator that doesn't require an app has "for Apps" in its name. "Scout for Apps is the first HTML5, browser-based, voice-guided turn-by-turn GPS navigation service for mobile phones," Telenav said in a news release.
"Developers can integrate the service by simply adding one line of code, making it ideal for social, travel and shopping apps, or any other app or website that includes points of interest, places or addresses."
The Yellow Pages app, made by Avantar, was one of the first testers of Scout for Apps, and Wednesday released an update incorporating it into its free program.
"Previously, when users clicked on an address in our Yellow Pages app, we provided a standard map experience to help users get to their desired destinations," said Adrian Ochoa, Avantar CEO in the Telenav release. "Now with Scout for Apps, our customers will receive full-blown turn-by-turn, voice-guided directions, and they will never have to leave our app to get those directions and guidance."
For us, the beauty of it is seeing how any location-aware Internet-connected device can suddenly give you turn-by-turn directions, without too much specialized software. There's no reason why, in the near future, every map will come with a moving, realtime "You are here" indicator, and along with a friendly voice to guide you elsewhere.
To learn more, here's Telenav's video about Scout for Apps for developers:
Check out Technolog, Gadgetbox, Digital Life and In-Game on?Facebook,?and on Twitter, follow Suzanne Choney.
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Thursday, March 29, 2012
Business Consulting Firms Increase Your Competency in the ...
Business consulting firms help you streamline operations as you set up your own small business. Being a business owner is more difficult today, as you will have to contend with multinational companies and locally established institutions. Having a small business consultant by your side gives you a fighting chance of succeeding. Their knowledge and understanding of the business world levels the playing field, giving you an edge.
Why should you hire a business consulting firm?
Majority of small enterprise owners are entering the business world for the first time. You may have limited or no knowledge of running a business efficiently if you have not had any previous experience. A small business consultant will give you advice and guide you through building healthy business practices. You can compete with the ?big guns? in the industry by working together and creating a dynamic and efficient system.
Consultation agencies assist you from the beginning of your venture. First, they will assess your enterprise and determine what kind of manpower and equipment you will need. Next is the registration process. They know the requirements for your registration procedure and will advise you accordingly. Some agencies even offer to process your paperwork themselves. You can avoid any unnecessary and time-consuming steps with their expert guidance.
Business consulting firms don?t stop after your company begins its operations. They will improve your current business practices by pointing out which ones work and which ones need improvement. You won?t have to worry about not getting any straight answers ? they provide honest assessments and are not afraid to express their observations. Making your company more efficient and systematic will help you perform well. Their understanding of your industry and competition will help you become an enterprise to watch out for.
How do you find an agency that suits your needs?
Take into account your type of industry and what kind of support you will need. You will want a small business consultant who specializes in your field. Try talking to some of their former clients to discover how they work. Find out whether or not the consultant improved their system and how they fulfilled each objective.
The kind of support you require varies on your knowledge of business processes and your familiarity with the market. You can find a consultancy firm that will stay with your company from the very beginning until you are stable and equipped to run your own business. On the other hand, you may select a sit-down session with an expert if you already have previous experience in handling businesses. Each has its own set of benefits. An in-house consultant will give you easy access to support and make more accurate observations and recommendations. Sit-down consultants, meanwhile, will save you money because you only have to pay for your sessions with them.
Make sure the firm you select shares your vision. You can do this by asking them about their goals and business philosophies. You can work together towards achieving your business goals when you and your consultant share the same ideas on where you will take your company.
Wednesday, March 28, 2012
Home Care in Santa Rosa CA - The Elder Care Experts
Recent studies have proven that older drivers are more inclined than any other drivers to be in car accidents.
Several states are now requiring driving tests for elderly or for men and women who have been in three or more collisions in one year, required. This is because older drivers are more prone to either being injured or killed. Statistics show, seniors are more regularly in hazardous or fatal wrecks than any other ages. The best way to safely and effectively ensure that the unsafe drivers are off the roads is for them to be obligated to take a test to see who should and who shouldn?t be driving. Many see this as inequity, while many others see it as a reassurance and a way to know for sure that their loved one will be safe while on the road. Most of the people, especially those with senior family members, are already cognizant of the potential dangers.
A nice solution for keeping your older parent or loved one safe is to use a Home care agency that provides transportation. Home care agencies not only supply transportation but most importantly they offer the prospect for men and women to keep their independence. This also avoids seclusion and allows them to continue to get around to their own doctor appointments as well as run their own errands.
You will find several diverse ways to find out how to get help in your community. Speak with your local Area Agency on Aging. If they do not offer transportation, they can point you in the right direction in order to find someone who does. There are also door-to-door services in most areas and driver volunteers. The door-to-door service do require you to call and give them notice on what your plans are but this may offer the most range of flexibility.
However, if you are interested in paying a fee for each designated stop you should ask about a fixed route. The fees charged are discounted at senior citizen rates and in some cases are actually free. The option available with driver volunteers usually is a great option for people who need to be taken to a specific place at certain times such as doctor appointments or senior centers. For more information you can call the National Transit Hotline Toll Free at 1-800-527-8279, they can provide you with a list of local Home care agencies that can help you find the right alternative to fit your specific needs.
Home care in Santa Rosa counselors at?At Your Service?are available to talk with you about your?in-home care?needs including how to reduce?caregiver?stress while providing better, affordable care. We are an?elder care agency providing?Home care in Santa Rosa.?
Source: http://myeldercareblog.com/at_your_service_home_care/361/home-care-in-santa-rosa-ca-2/
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Sunday, March 25, 2012
Why You Need To Get Poway Pilates Lessons | AHIP's Health Care ...
Have you ever hear of Poway pilates lessons? Pilates is a sport that is designed to boost a person?s core stability. It works not just on our bodies, but additionally in the brain as well as soul. It has always been seen as one thing only suitable for rich girls that want to give in on the latest trend, however it is actually an ancient willpower which has been used simply by men and women for hundreds of years.
In Rancho Bernardo pilates lessons are offered at almost all fitness centers and also wellness centers. Even though it remains primarily females that indulge in these kinds of training, increasingly more men are currently as well enrolling. Strangely enough, most pilates trainers are usually male. Furthermore, leading athletes and body makers frequently take part in pilates to improve their power and also his or her posture. Simply because it is just a wonderful sport that increases flexibility and balance, as well as opening up the actual movement of one?s energy across the chakras in your body.
You can also consider North County San Diego private pilates sessions, if you think self-conscious with regards to doing it in a team, or maybe you simply want some one on one attention. If you are looking for North County San Diego private pilates sessions, you could consider getting in contact with your nearest gym or health center. You may also look online, of course, the spot where you will find a selection of experts that provide these classes. Make certain that they have received the right training. Although it isn?t really a guarded profession, people who have been given education tend to be better when it comes to guaranteeing you obtain the ideal exercise.
Rancho Bernardo pilates lessons are not created particularly at weight loss. These are more designed for increasing durability and stamina and toning up a body devoid of making it look extremely muscle bound. Needless to say, it can burn an extremely high amount of calories thus can be used as weight loss, however this is not what it may be designed for. Pilates is designed to allow people to be more balanced in the mind, body as well as soul, thereby attaining greater healthy posture. Better stance contributes to better health.
Poway pilates lessons happen to be amazingly beneficial. They increase someone?s immune system, hence making them significantly less prone to illnesses and health conditions. Additionally, it is extremely good for the bones, protecting people from those illnesses as osteoporosis. Evidently, the huge benefits are actually tremendous and because pilates is suitable for both males and females, there is no reason why you must not give it a go. Take a glance over the internet or contact your nearby gym for the closest classes.
Want to find out more about Poway pilates lessons, then visit Kadeem S. Randolph?s site on how to choose the best North County San Diego private pilates sessions for your needs.
Source: http://www.ahipbelieves.com/physical-fitness/why-you-need-to-get-poway-pilates-lessons/
Wedding crasher: UK queen drops in on ceremony
Britain's Queen Elizabeth II smiles during her visit to the Manchester Central convention centre, Manchester, England, Friday, March 23, 2012. (AP Photo/Jon Super, Pool)
Britain's Queen Elizabeth II smiles during her visit to the Manchester Central convention centre, Manchester, England, Friday, March 23, 2012. (AP Photo/Jon Super, Pool)
LONDON (AP) ? Britain's Queen Elizabeth II has become a wedding crasher.
The monarch dropped in moments after the nuptials of John and Frances Canning at Manchester Town Hall in northern England on Friday.
The newlyweds said Saturday the queen chatted and posed for wedding photographs. The queen and her husband Prince Philip, the Duke of Edinburgh, were visiting the venue for lunch at the same time the wedding took place.
"It was very special ? it was so lovely that she took the trouble to speak to us," bride Frances Canning told The Sun newspaper.
The 48-year-old groom knew beforehand that the queen would be visiting the town hall, and jokingly wrote to Buckingham Palace to invite the monarch, the tabloid reported. He received a polite reply declining the invitation, but palace officials secretly arranged the meeting, the paper said.
Canning said he spoke with Prince Philip while photos were being taken.
"He was a charming fella ? for me it was the icing on the cake," he told The Sun.
The 44-year-old bride was impressed the queen addressed them by their first names.
"She said I looked lovely and she wanted to wish us all the best for the future.
"We're going to have to get a bigger wedding album now," she was quoted as saying. "Not many people will have pictures like that."
The British monarch was in Manchester to visit a number of sites, including a new BBC headquarters building in nearby Salford, as part of her Diamond Jubilee tour. The queen is celebrating the six decades since she ascended to the throne in 1952.
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Saturday, March 24, 2012
Living Alone Linked to Greater Risk of Depression: Study
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Source: http://news.yahoo.com/living-alone-linked-greater-risk-depression-study-130407874.html
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Opponents, supporters to face off outside high court healthcare hearings
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Source: http://news.yahoo.com/opponents-supporters-face-off-outside-high-court-healthcare-191233683.html
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Friday, March 23, 2012
Functions for Personal Loans | feedhook
Personal loans tend to be obtained for a variety of factors. A personal loan has a very easy application process and generally has an approval or even denial within a few days. Many people find it easier to obtain a personal bank loan than a home improvement loan or even small business loan. There is less information required to determine eligibility. Our society has come to apply for unsecured loans for a variety of needs. A few are necessary such as medical bills while others are for leisure, a vacation for example.
The choice to take out a personal loan should be done only after researching your other options. The most popular reason a person applies for a personal loan is to consolidate additional debt. Often this is done since the amount of the other debt is consuming a larger portion of their disposable income than they would like. The eye you will pay on a personal loan far less than what you will pay on high interest credit cards by the time you have to pay them off. If you take out a personal loan for this reason, it is important to put your credit cards away. If you start charging on them again you will soon find yourself with many monthly payments again as well as the personal loan repayment.
A personal loan is a great way to purchase an older vehicle that the bank wont finance. This can be a vehicle over 10 years old that you want for a few thousand dollars. This can also be for a classic car you need to restore. Most lending institutions arent going to give you $7,000 to with that 1969 Chevy Camaro that isnt even drivable. Through accessing a personal loan you can choose to get such vehicles without any problem.
Education is very important. Occasionally individuals dont qualify for financial aid, however cant afford to take the course without them. Using a personal loan to pay for training classes is a great idea. Especially if the course is going to help you further your job. We all know tuition and books are very over priced.
Medical bills and emergency surgery may leave you will a very heavy cost that is consuming your monthly income. Even if you have health insurance your portion could be out of your budget ability. An unsecured loan can often help you pay this kind of bills while having a smaller payment per month than you would have otherwise.
Some individuals use personal loans to put a down payment on a home because they dont have the amount needed to pay for it. Home improvements are often needed from necessity or desire. An unsecured loan can help home owners make these improvements happen. Others make use of personal loans for moving costs or even to pay the leasing deposit on an apartment. The cost of deposits for rentals as well as utilities can add up to a great deal of money that most of us dont possess.
A personal loan may be the only way for you to pay for the wedding you have usually wanted. Some people find this extravagant, but people do it all the time. You will need to plan your own wedding and come up with some figures so you will know how much money to gain access to. Make sure you will be able to afford the monthly obligations as you dont want to start your own marriage off with financial stressors.
Most of us work so hard and that we rarely are able to take a lengthy vacation. Personal loans can help you consider that cruise to Alaska or trip to Italy you have always wanted. Too often, individuals put off such dreams simply because they cant afford them. However, it is important to try to achieve your dreams. Taking such a vacation can do wonders for your mental health as well. You can return to function rejuvenated and with wonderful reminiscences of your vacation.
Personal loans are available for many uses. I am sure there are many more that I havent mentioned. They are used for bills, necessities, pastimes, vacations, and even weddings. The bottom line is to be financially responsible and make sure you can realistically pay back any personal loans you take.
private student loans;
student loan database
Source: http://www.feedhook.com/finance/functions-personal-loans/
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Thursday, March 22, 2012
yong - Continuity Family Business Consulting: Rising Gft Tax Urges ...
?CONTINUITY
FAMILY BUSINESS CONSULTING?
US/CANADA: 877-925-5149 INTERNATIONAL: 1-978-925-5149
CONTINUITYFBC.COM
?
Currently, an individual can gift, over his lifetime, no more than $5.12 million tax-free. Starting in 2013, the lifetime limits on gift tax will fall from $5.12 million to $1 million. This change in tax exemption rates between 2012 and 2013 could factor into your small business succession plans.
The complicated history of the gift and estate tax dates back to the tax cuts passed under President George W. Bush, starting in 2001.?
Those laws enforced by Bush gradually increased the dollar amount exempt from gift and estate taxes. Congress wrote the law to expire in 10 years, with the exemption reverting back to the old levels in 2011. In December 2010, the Tax Relief, Unemployment InsuranceReauthorization, and Job Creation Acts were signed into my by President Barack Obama as a compromise bill, extending the Bush cuts through 2012 and holding the gift tax exemption at $5 million ($5.12 million in 2012, adjusted for inflation).? ?Assuming a parent wants to turn over 100 percent of the business to his children, the best year to do it is in 2012,? (BusinessWeek.com). There are many other factors to consider in business succession including managerial roles, how the business assets will be divided up between the children, and whether the company founder is ready to give up complete control (BusinessWeek.com).? Blair Trippe, Partner and Consultant at Continuity Family Business Consulting, says to also carefully think about voting control when transferring ownership of a family business. You wouldn?t want siblings who own and work in the business to be essentially working for their siblings who also are owners. Those not actively in the business may not be in a position to make good decisions for the business and hence shouldn?t have voting control.? This exemption on gift tax expiration is the perfect opportunity to decide who will take the reins of the business and put the plan into action. Oftentimes business owners hesitate to make that call because they worry about whether their offspring can handle the money and responsibility, and whether they will be able to withdraw enough funds from the business to live comfortably in retirement.?Blair Trippe also says it?s not just about saving on taxes. ?Be sure not only to consider tax savings, but to consider what will be thought of as ?fair? in terms of diving up assets, and what will benefit the family most over the long term. This can be approached in many different way so it?s important to be clear on the intentions behind the transfer of ownership, not just the savings on the taxes.?
Transitioning a business from one generation to the next is probably the most difficult and complex process a family business will face. Contact Continuity Family Business Consulting to assist in the process. We work closely with estate planners, CPA?s, key non-family executives and family stakeholders both in and out of the business in order to develop a plan that works for both the company and the family. Contact us at 877-925-5149 or email us at info@continuityfbc.com.Source: http://continuityfbc.blogspot.com/2012/0
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Source: http://cudyf.livejournal.com/38602.html
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Chely Wright Talks Being A Lesbian In Country Music, LikeMe Lighthouse And Celebrity Support
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Source: http://news.yahoo.com/robert-niro-apologizes-white-first-lady-joke-012048257.html
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Wednesday, March 21, 2012
First Mississippi Solar Ready Home in Jackson MS Completed
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Source: http://news.yahoo.com/first-mississippi-solar-ready-home-jackson-ms-completed-070745411.html
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Tuesday, March 20, 2012
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