Viva Las Vegas!

Today, I’m flying out to Las Vegas for my sister-in-law to be’s bachelorette party. This is the first time I’ve been on a plane since we started our debt reduction plan last year. Sure I could stay home and skip the expense, but it means a lot to me to be a part of the events leading up to her marriage to my brother. I promise to be good. Have a good weekend. [more...]

Date: 2009-09-18 10:00:11

Blog posts (126) | Videos (62)
 

Public Service Loan Forgiveness Program

This information comes from a great web page created by the National Council of Nonprofits ... Cost Reduction and Access Act of 2007. There might be hope for those with tremendous student loan debt ... , public safety, public interest law service, public care for children, elders or disabled [more...]

Date: 2009-01-05 21:51:43

The Economy is a Lie, too

Dr. Roberts is a former assistant Secretary of the Treasury, so he knows whereof he speaks on economics issues. And, for the record, he was equally scathing of economic policy under Bush II’s regime. Flashback: US credit shrinks at Great Depression rate prompting fears of double-dip recession | Nassim Taleb on the economy: ‘We still have the same disease’ | Flaherty sees deficit, debt, and timetable to return to surplus all expanding | Investors dump money market funds | Scotiabank: [more...]

Date: 2009-09-22 12:19:52

Small business loans for women entrepreneurs

Women mostly have a notice which appropriation small commercial operation loans is a painful, difficult and extensive process. However, a law is utterly a contrary. A commercial operation woman will have to outlay more or reduction a same time and efforts as a office worker to get a loan.Loans have been accessible for women entrepreneurs in a accumulation of fields such as catering, consulting, beauty care, bed & breakfasts, print studios, house pet supplies, nod cards, etc.Things to Keep In Mind [more...]

Date: 2009-09-19 20:53:36

OMG Obama's Spenders Need a Debt Reduction Counselor, Says ND Democrat

There's nothing funny about OMG Obama's spending habits but this is pretty hilarious. Laugh while you can, bitches. Save them, Byron Dorgan! NPR : The Federal Reserve said Friday it's drafting a plan that, for the first time, would police compensation for investment bank employees. Fed would try to encourage long-term investment strategies over short-term risk-taking by financial institutions. President Obama has urged Congress to pass tougher regulations on the financial industry. [more...]

Date: 2009-09-22 17:00:00

Obama’s Credit Card Legislation May Need Fine Tuning!

Amazon.de Widgets President Obama’s credit card legislation, although welcomed during these times of harsh economic woe, unfortunately will probably fall just short of what every American has been screaming out for, a strong leash on the credit card industry.Legislation to regulate the credit card companies from imposing financially sapping interest hikes and reducing credit lines without warning, will shortly be announced, and not a moment too soon as a battle weary American public continually [more...]

Date: 2009-09-18 22:53:26

Gordon Brown urges EU to back new economic order

It’s pretty transparent that the new world order Brown keeps shilling for is being marketed to us as a way to ‘get the bankers’. This is a trick, since it will simply deliver economic power into the hands of a centralized clique of international bankers. The proper solution would be simply to prosecute and prohibit forms of fraud such as derivatives, which always cause the problem in the first place, like clockwork , at the behest of the aforementioned clique . [more...]

Date: 2009-09-18 23:30:16

Guest Post: Exposure At Default – As Banks Shrink, So Does The Economy

Zero Hedge Submitted by Chris Whalen, Institutional Risk Analytics “I was just reading your testimony on subjectivity and risk in models. I agree, though isn’t the contrast between objectivity and subjectivity more of a continuum? Think about banks. Only 100% reserves makes a bank objectively safe from runs. Once you move to fractional reserve banking you have to accept some subjectivity and make assumptions to model the right level of reserves in order to assess risk. [more...]

Date: 2009-09-17 16:20:49

G20 nations meet as protests flare on issue of international banking regulation

Again, the summit is being presented as a way to get the bankers, when it is in fact a further centralization of banking power. The picture below tells you much of what you need to know about the G20. And for new readers, it’s not that banks are inherently bad. But at the international level, economies are being governed now by a syndicate of privately held central banks that operate above the law and print money with which to acquire real equity. [more...]

Date: 2009-09-24 22:35:28

Exposure at Default: As Banks Shrink, So Does the Economy

Here’s our latest item.  The reader comment at the top is great stuff.  A fishing buddy, all I’ll say.  Best,  Chris ~~~ Exposure at Default: As Banks Shrink, So Does the Economy The Institutional Risk Analyst “I was just reading your testimony on subjectivity and risk in models. I agree, though isn’t the contrast between objectivity and subjectivity more of a continuum? Think about banks. Only 100% reserves makes a bank objectively safe from runs. [more...]

Date: 2009-09-17 02:33:03

Some Debt Relief Scams, Credit Relief Fraud, Detect Debt Relief Scams

by Lianne Gaines Individuals with rising debts can reap important benefits from debt relief programs. These programs are designed to help people who are drowning in debt. Yet, finding a program and negotiating the terms of the plans could affect each individual’s monetary condition differently. In order to free yourself from debt, you should pick a debt relief program that meets your particular requirements. For instance, debt negotiation is a common debt relief program. [more...]

Date: 2009-09-24 12:56:54

Carney says G20 must stay the course on stimulus

Those reading the transcript of the interview may be surprised to discover that, for all the lip service Carney gives the US dollar, Canada holds 40% of its reserve currency stocks in Euros. Holding Euros is not recent - government reports online dating back to 1999 indicate at the time 24 million in Euro reserves were held. there was a coordinated attempt to prop up the Euro in 2000, an effort in which Canada was a player. In 2008, the figure was 238 million . Just a little history. [more...]

Date: 2009-09-25 15:36:08

President Obama And Congressional Liberals Get An ‘F-’ On Economy

The bad economic news keeps rolling in this weekend as we learn a generation of young people may have permanent scars as a result of the failed liberal stimulus bill and its moronic reliance on government jobs programs to lift this nation out of the Great Recession: The unemployment rate for young Americans has exploded to 52.2 percent — a post-World War II high, according to the Labor Dept. [more...]

Date: 2009-09-27 15:27:01

Bonita Bay Brawl: Are Club Members “Victims” Of Developer Lucas and KeyBank?

By Teri Buhl for BankImplode.com The developer of Bonita Bay Club, an exclusive golf community on Florida’s west coast, is using aggressive tactics to get the club’s members to pay off his debts and save him from bankruptcy, according to some disgruntled investors. Questions continue to swirl regarding whether the club’s group of lenders, led by KeyBank , who had lent the developer $120 million by securing club property, is aiding in the scheme. [more...]

Date: 2009-09-29 16:03:28

Public meeting on enhanced pensions for water workers is Tuesday

The Metropolitan Water District of Southern California will hold a public workshop on proposed union contracts that would hike pay and pensions at 10 a.m. Tuesday at its  Union Station headquarters . While Met’s current pension formula is among the least-generous in the area , the proposed hike is generating outrage because it would cost some $70 million , at a time when Met’s investments in Cal-PERS are already down some $400  million - and at a time when water rates are jumping . [more...]

Date: 2009-09-28 22:47:12

Weekly Roundup #45 (Links You Don’t Want To Miss)

Readers, Hope you’re enjoying the weekend. Miguel Barbosa -Founder of SimoleonSense SimoleonSense Weekly Favorite : How to Find Value Stocks and Ideas - Via Old School Value - To find the best value stock ideas, you need a competitive advantage over the next person when it comes to stock picking. I’ve been asked many times how I’m able to come up with the obscure totally ignored, low risk high return stocks. It isn’t difficult and I’m hear to let you in on how I do it. [more...]

Date: 2009-09-20 18:52:33

Operation Rollback

Posted by Review-a-Day, September 29th, 2009 3 CommentsFiled under:Review-a-Day. The Retail Revolution: How Wal-Mart Created a Brave New World of Business by Nelson Lichtenstein Reviewed by Jefferson DeckerThe Nation In October 2003 employees at more than 800 chain supermarkets in California walked out of their jobs after management demanded pay cuts and a reduction in health insurance benefits. [more...]

Date: 2009-09-29 09:54:00

Weekend Edition: 1-10

Random Observations Kudos to Esquire magazine for picking Gerard Baker as the “headliner” from South Dakota when it sought “wisdom and advice” from ... . Rushmore National Memorial. Further displaying my ignorance in economics, why is reduction in consumer debt a bad thing? Or are we just so locked into being a debt-based economy there’s no way [more...]

Date: 2009-01-10 17:09:44

Getting Ones Tax Debt Relief Case Together With Your Close Friend

Author : Vlavladi Vishnu When one is seeking tax debt relief, it's imperaive that they have eveyr record of everry expense that may be beneficial to theiir case Most often, when individuals seek out this type of remedy, it's becausse they cannnot pay the debt demaded of them by the IRS To get the government off of one's back, it requires that one makes every effort to ensure that they have every expense, down to the last cent, detailed so that any help they engage can work this to the taxpayer's [more...]

Date: 2009-09-25 05:06:03

File Back Taxes with Tax Debt Relief Assistance

Author : Vlavladi Vishnu If you know you owe back taxes but you're afrid to file, you should know it doesn't have to be a nightmare Even though you neglected to pay, you don't necessarily have to pay hefty fees, interest and penalites By taking the initiatiove in dealing with the IRS, you'll set yourself up for the best possible resolution to your back tax problem hTere are a lot of misunderstandings about back taxes, and consulting with a pofessional tax debt relief specialist can help you [more...]

Date: 2009-09-24 13:48:17

Save Your Home From Foreclosure With Mortgage Loan Modification

Post from: Online Fun And Business Save Your Home From Foreclosure With Mortgage Loan Modification We have a real problem looming, affecting 30,000000 home-owners in the USA. Increasingly homeowners are losing their jobs, or having their salaries reduced. Increasingly people are, through no fault of their own, falling in arrears with their car, mortgage or credit cards payments. These home-owners are in danger of defaulting on their mortgage loan and seeing their house go into foreclosure. [more...]

Date: 2009-09-22 13:43:29

Confessions of a 'Flationary Agnostic

I have no particular allegiance to either the hyperinflation or the deflationary camps. Both outcomes are possible, but not yet probable. Rather than being a benefit, occupying the middle ground too often just puts one in the middle, being able to see the merits in both arguments and possibilities, and being unwilling to ignore the flaws in each argument. But this is where reason takes me. [more...]

Date: 2009-09-21 17:27:00

Back to Work on PAYGO

Well, tomorrow it’s back to usual around the Concord Coalition offices… starting with a morning meeting about pay-as-you-go (PAYGO) budget rules ... has crusaded for federal deficit reduction and which represents a large enough force to block ... about deficit reduction” to support the plan, but with some conditions. The group wants to insert [more...]

Date: 2009-01-05 03:08:35

Turning Attention to Christmas Bills

When I was a kid I remember being so depressed the day after Christmas, knowing Santa would not make a return trip for some 364 days ... and pen, and listing each of your credit cards.  Update each card’s balance with current information ... -in-law” syndrome. The symptoms include overspending around the holidays in an effort to impress [more...]

Date: 2008-12-26 14:07:19

Spending Down by Thomas D. Begley, Jr., Esquire

  The client who engages in Medicaid planning is usually a person of modest means who has been diagnosed with an illness and therefore the option ... his assets.   Pay Off Debts   Repayment of a debt is not considered a transfer, because ... actually be written and delivered. An outstanding debt is simply a liability that does not reduce [more...]

Date: 2009-01-12 14:51:31

A Nail In The Coffin In California

The LA Daily News reports from California. “For weeks, mortgage banker Ben Marsh has been swamped with questions from clients worried about losing their homes in this bad economy. ‘What should I do? What should I do?’ they have asked Marsh, who has offered up several options, including renting out a room to help cover the mortgage [more...]

Date: 2008-11-08 16:40:24

Restoring American Global Leadership, One Step at a Time

I think it's fair to say that after the last eight years we in the United States are not quite accustomed to what it is like to have a president that is genuinely popular oversees. This will clearly change under the Obama administration, and with Obama's popularity comes tremendous opportunity to re-affirm America's traditional role as a global [more...]

Date: 2009-01-14 16:16:02

Dissecting the 2012 GOP Candidates

As more and more current and former elected officials signal to the media and conservative organizations their intention to seek the nomination in 2012, I decided to analyze where the candidates have positioned themselves in the Republican political spectrum, on both foreign and domestic policy.  I combined their legislative advocation, voting records and most recent statements and writings on public policy. [more...]

Date: 2009-09-28 12:31:50

Strategic Drift

Whether it was a kabuki dance or just the Democratic majority in the Senate finding its power or, amazingly, the essence of deliberative democracy, ... that the first half of the $700 billion of the financial rescue law was badly mismanaged, Obama’ ... . The right is focused on deficit reduction, which is interesting, considering that eight years of [more...]

Date: 2009-01-12 15:58:00

Durbin Gets a Clue

Durbin Gets a Clue Posted by HughS Published: January 10, 2009 - 7:40 PM Michael G. Franc at The Corner notes that Senator Dick Durbin ( ... , when taxpayers choose to reduce debt (and personal risk) instead of spending the money we have yet another ... trust a tax cut more than a one time stimulus payment in the same way a politician understands [more...]

Date: 2009-01-11 00:40:56

WaMu’s New $1 million 5-year 1% Balloon Loan (mod) - $878 Per Month!

WaMu takes the game of re-leveraging the home owner in order to avoid a default, foreclosure and subsequent credit loss to the next level ... and ‘proposed’ solution to the note holder of which one of the choices was a principal reduction — ... the right way.  I have swung completely over to this side of the fence as regulators, law makers [more...]

Date: 2009-01-07 15:04:20

Yankees Thinking Outside the Box

Every newspaper in the state should be challenging every elected official to cite four ways to reduce spending.It is no longer possible, or even advisable, to think about these matters inside the usual spending box. Connecticut has for so long thought exclusively in terms of increasing revenue that the state has lost the virtue of prudence in [more...]

Date: 2009-01-03 02:45:00

INTERMEX FINANCIAL (2009-09-22 10:26)

Selling Goods to Mexico from the U.S.? Be Sure to Exclude the U.N. Convention on Contracts for the International Sale of Goods I regularly review contracts involving the sale of goods between the U.S. and Mexico or other Latin American countries. One of the most common drafting errors in these contracts is the failure of the contracting parties to specifically exclude the United Nations Convention on Contracts for the International Sale of Goods (CISG) when they intend to do so. [more...]

Date: 2009-09-22 17:26:00

Despite Reports, Nortel Operates as Usual

Reports are circulating that Nortel has declared bankruptcy and pieces will be sold off to foreign firms. Company sources say this is untrue ... from encouraging companies and individuals to take on as much debt as they can to abruptly stopping all financing and debt renegotiation. During the dotcom/telecom bubble, VCs poured money into companies [more...]

Date: 2009-01-14 22:14:40

Obama's Top Ten Tasks

Cartoon from the New Yorker by the late Charles Elmer Martin I'm sure there will be many lists like this rolled out over the coming months, but here's my take on the most important things Obama needs to do over the next four years:Unwrecking the Economy: We've had three decades of corporatism and cronyism run amok [more...]

Date: 2008-11-06 01:32:15

IRS Unveils Initiatives to Help Taxpayers in Financial Trouble

IRS changes offer relief to delinquent taxpayers. The IRS unveiled a series of initiatives Tuesday aimed at helping people who can’t pay their taxes ... and collection letters to taxpayers who recently lost their jobs, rely on income from Social Security ... the IRS to set up an installment plan. These plans allow taxpayers to pay their debt in monthly [more...]

Date: 2009-01-07 06:45:10

IMF approves $13bn gold sale to boost lending fund

What this really accomplishes is two-fold. It depresses world gold prices, reducing the risk of flight from some the world currency the IMF is cooking up, and increases their kitty for predatory, string-attached loans which are then used to grab national resources. You’d think Guardian writers would know that. [more...]

Date: 2009-09-19 15:35:01

Obama's Economic Stimulus Omissions?

The cornerstone of magic acts revolves around the magicians’ ability to hide the deceptive elements that create the illusion ... projects. The cost of his vision will add another $775 billion to the national debt. Improving ... , when it decides what we should spend on national security. Nor did he mention the reduction of capital [more...]

Date: 2009-01-12 10:51:28

Floatin' Powa News Service: Terminal Experiments

Elder of Ziyon: Goldstone Commission problems, part 8 One of the major sources that the Goldstone Commission heavily relied on in testimonies was TAWTHEQ. TAWTHEQ is quoted in the context of the Gaza war more often than HRW and seems to be mentioned in the report body about as often as PCHR (although PCHR is mentioned more in footnotes.) In other words, it seems that Goldstone put a lot of emphasis on TAWTHEQ's direct testimony to the Commission. [more...]

Date: 2009-09-17 09:15:00

Banks Supposedly Will Cut Consumer Credit Card Lines by $931 Billion if Reforms Mandated

There is a rather amusing story at the Financial Times tonight, "Credit card reforms ‘to cost banks billions’". Let's look at the particulars ... from customers. But how much more are the credit card issuers making due to the tremendous drop in funding ... . The story is based on a study by law firm Morrison & Forester which concluded that banks [more...]

Date: 2008-12-15 01:59:42

Daily Links: 5k5k Edition

From time-to-time, I like to highlight GRS-reader projects. Chett wrote to share an idea he’s trying to get off the ground ... a 5,000-meter (3.1-mile) run and saving $5,000 (or paying off $5,000 in debt). As you know, I think ... in Oregon may resurrect mandatory personal finance education. When I was in school, state law [more...]

Date: 2008-10-30 00:30:30

23 October SWJ Roundup

QUOTE OF THE DAY On a Southeast Asian front that's vital yet largely unfamiliar to most Americans, some 500 US Special Operations Forces and their Filipino counterparts have been fighting a different, unconventional - and seemingly successful - war against Islamic terrorist groups with links to Osama bin Laden's al Qaida [more...]

Date: 2008-10-23 07:43:30

Reward Sanity! Netherlands For Nobel Peace Prize!

Dr. Stephen Frye author of Twenty-five Reasons to Legalize Drugs – We Really Lost This War, recommends that, Louk Hulsman, Professor Emeritus of Criminal Law at the University of Rotterdam, who was originally responsible for crafting the forward-thinking drug policy in the Netherlands and the Dutch Ministry of Health [more...]

Date: 2009-01-14 19:32:00

Advocate Urges Tax Simplification and Compassionate Treatment of Taxpayers

WASHINGTON — National Taxpayer Advocate Nina E. Olson today released her annual report, urging Congress to greatly simplify the tax code and recommending measures to reduce the burden on taxpayers who are struggling to pay their tax bills. The report takes note of the serious financial difficulties facing many Americans in light of the ongoing [more...]

Date: 2009-01-10 19:27:01

Tax Incentives Found in the American Recovery and Reinvestment Act

Are you taking advantage of the tax incentives available to you as a result of the American Recovery and Reinvestment Act (ARRA)? Often referred to as the economic stimulus package, the ARRA was unleashed on our down economy in February of 2009. It’s been a while since the act was rolled out, so I thought I’d share some of the tax incentives that may effect some of your spending and saving this fall. [more...]

Date: 2009-09-28 02:44:11

Incidental #910

more the engrish! NEWS WHICH MACHIAVELLI ON STEROIDS AND AMPHETAMINES IS CERTAINLY DROOLING AND SMECKING OVER, LET ALONE HIS DROOGS: North Korea's official news agency KCNA has announced in a brief (as in two-line) statement that elections for delegates to the 12th Supreme People's Congress have been called [more...]

Date: 2009-01-11 16:59:41

Fannie and Freddie to Announce Mass Loan Modification Program

re-default. This may also further erode investor confidence in residential mortgage backed securities, ... monies to put towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long ... you pay your bills on time, that you have good credit.  Paying your bills on time only accounts for 30 [more...]

Date: 2008-11-11 19:02:07

Why We All Need To Keep A Watchful Eye On What Is Happening In Greece

In view of Greece’s EMU membership, the availability of external financing is not a concern, but the correction of cumulating indebtedness could weigh appreciably on growth going forward. While the risk of transmitting vulnerabilities to the euro area is very small reflecting Greece’s small relative size, [more...]

Date: 2008-12-14 15:01:19

Wall Street Breakfast: Must-Know News

BoJ cuts interest rates. In a split decision of five-against-four, and under pressure from the government, ... than the expected 0.25% reduction. Germany torn between stimulus package, budget. The German ... corporate tax law, among other initiatives, but the government has not yet figured out how [more...]

Date: 2008-10-31 11:12:09

Election 2008: Student Aid Hurdles for the Next President

No matter whether Sen. Barack Obama (D-IL) or Sen. John McCain (R-AZ) wins today's election, the next president is going to face major challenges on the higher education front. While neither candidate has made education a centerpiece of his campaign, each has offered proposals that may be difficult to carry out given the hurdles that lie ahead [more...]

Date: 2008-11-04 17:20:16

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