Nov 28

The GOP members, of course, are casting it as a Dem problem. For example, Hensarling (a very far right member of the group, from Texas) blamed the Dems for not accepting the Toomey proposal for a piddling $300 billion in new tax revenue.  With Supercommittee Deadlocked, leaders Reid and Boehner meet. 

The across-the-board cuts would cut Defense by $500 billion.  Various GOP members of Congress have said they want to change the deal to avoid the cuts to the military.  Tea Party favorite and radical right-winger Jim DeMint has essentially admitted that he never intended to stick with the sequester deal, saying that the GOP has “until next election to fix this thing.”  GOP stalwarts want the US to maintain its exorbitant spending as “the world’s only military superpower” even while being willing to cut health care and pensions to the vulnerable and even while the country’s infrastructure–essential for business–crumbles in ruins.  McCain and Graham urged the Senate to reject the sequester of military funds, fearful it would “set off a swift decline of the United States as the world’s leading military power.” Dems gain upper hand in deficit talks, The Hill (Nov. 16, 2011).  Th

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Nov 27

Losing sleep over how you’re going to pay for college? I’ve been there. Not every family has the savings or resources to support their college-bound students. The good news is, many people have survived paying for school themselves and there are a ton of resources out there. Here are a few things to look into:

1.    Fill out the FAFSA. When trying to get aid for college, filling out the Free Application for Federal Student Aid is the place to start. You’ll receive a financial aid package that could include a lot of the elements below, based on need. 2.    Get scholarship savvy. Free money—it’s out there for everyone from violinists to aspiring physicists. To research the scholarships available,  click here. 3.    Go grants. More free money! Grants, unlike loans, do not need to be paid back. There are several sites listing available grants and how to apply for them, like this one. 4.    Say yes to work. Participating in the federal work study program or holding down a part-time job while you are in school can help you cover costs and get valuable experience. Find out about the U.S. Dept. of Ed’s program or sea

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Tags: College

Nov 25

Most people do all they can when it comes to credit repair.  They pay their bills and try to keep their credit cards from making the wrong charges, but for some reason, their reports and scores never quite seem to work out as well as they hope.

To help you make some sense out of what may going wrong with your attempts at restoring your credit, the leader in San Diego credit repair services has put together a list of 5 of the top mistakes just about everybody makes in their efforts to repair their bad credit.  Check these off as what not to do when getting your finances back on track:

Closing credit cards. Despite your initial instinct when faced with a poor credit history, closing your credit accounts is actually not the best idea for credit repair.  Doing so will switch them to inactive, which means they’re now essentially dead weight and will eventually fall off your report, leaving you with a smaller credit history.  Having a shorter history can make you look less financially responsible than you are; it’s like you erased that hard work for nothing.

Late or missed payments.

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Tags: Credit

Nov 20

Why is affiliate marketing so important?

Affiliate marketing is a great way for you to maximise your sales potential through taking advantage of an army of salespeople who will generate sales for you across the internet, and our affiliate management service can help you grow your business.

One of the key benefits of affiliate marketing is that there is relatively little effort required on your part to set up and run a programme, but the results can be significant. If you get it right, then it can be a very profitable activity.

By using other people to make sales and only paying them when a sale is made you cannot really lose, and this is what makes it such a popular technique. You may pay your affiliates for finding you a new client, making a sale or finding a new lead.

The problem for many companies is that they do not know where to start and they do not have the time to run a programme themselves.

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Tags: Affiliate Marketing, Marketing

Nov 20

Chapter 13 permits debtors to “cram down”, or reduce, the amount of a mortgage on investment property to the property’s current market value. A client recently asked me if the Chapter 13 cram down eliminates past-due mortgage payments and if the “cram down” can include a reduction of the mortgage interest rate in addition to the mortgage balance.

My experience is that a Chapter 13 plan will not eliminate past-due payments but can add the arrearage to the loan balance after cram-down. The Chapter 13 does not reduce mortgage interest rates unless the rate is unreasonably high, such as interest rates typically associated with “hard money” loans from private lenders.

Remember that Chapter 13 cram-downs of investment property does not permanently strip part of a mortgage unless the debtor refinances the property during the course of the Chapter 13 plan. The investment property strip does not continue after Chapter 13 discharge.

Tags: Chapter, Chapter 13, Investment Property

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