Tuesday, November 30, 2010

High risk loans: Loan for bad credit holders

High risk loans: Loan for bad credit holders

High risk loans are for the people have poor credit history but need instant money to pay the current or old debts or want money to satisfy the urgent needs. Amount can be given to the borrower by the lenders according to his/her income and the repayment capability. Unexpected financial situation can come anytime. These sudden expenses can be proved very harmful for the individual if there is no money or cash in hand.

High risk loans have many advantages for those who have bad credit history. There are many people who are suffering from bad credit records such as defaults, bankruptcy, late payments, missed payments, CCJs, IVA, arrears, etc. These bad records will not become any hurdle for these people. Bad credit is not the issue for the lenders. One can improve the bad credit score by paying the loan in time. There are some pre requisites of the high risk loans:

??? ?Applicant must be the citizen of UK;
??? ?Applicant must attain the age of 18 years or above;
??? ?Applicant must possess a valid bank account in the bank of UK;
??? ?Applicant is doing a steady job and earning a sound source of income.

More important factor of these mortgages is that the borrower does not have pledge any security as collateral against the finance. These mortgages are provided to those who are considered as ‘risky’. But here all bad credit holders’ loan application is acceptable. The money that is taken by the borrower from the high risk loans can be used for nay of the personal plans like renovation of the home, school or college fees, grocery bills, examination fees, wedding, medical or hospital bills, debt consolidation, traveling, etc.

These mortgages are mostly in the unsecured form so the rate of interest is slightly high for the borrowers. Applicant can apply for these mortgages with the help of the online method. It is hassle free and convenient way to apply and get the finance. Some of the details are demand in the online application form which the borrower has to provide. Details are name, age, gender, contact information, address proof, account number, etc.

Julie Tayler is working with Online Instant Payday Loans Online. She advises cunsumers throught her articles on loan related issues as she is an expert loan advisor. To know more about high risk loans, unsecured loans, cheap unsecured loans, unsecured cash loans for more visit at- http://www.unsecuredloansintheuk.co.uk/


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Robert Scheer: Fail and Grow Rich on Wall Street

Welcome to the brave new world of post-bailout capitalism. The Commerce Department announced Tuesday that corporate profits are at their highest level in U.S. history, and the Fed released minutes of an early November meeting in which officials predicted a stagnant economy and continued high unemployment.

The lead on the New York Times story read like a line from a Dickens novel: "The nation's workers may be struggling, but American companies just had their best quarter ever." What the Times story neglected to mention is that the bulk of the increase in corporate profits was nabbed by the financial industry rather than manufacturing and other productive sectors. A whopping $33.3 billion out of the total corporate profits increase of $44.4 billion went to the banks and investment houses that those same workers had bailed out with their tax dollars.

Much of the rest of the corporate profit, in the non-financial sector, was also taken out of the hides of workers through increased "productivity" growth--meaning they had produced more for less personal income. Case in point: the plant that GM is reopening in Orion Township, Mich., where, under a deal negotiated with the beleaguered UAW union, 40 percent of the workers crawling through cars on the assembly line will be paid 15 bucks an hour. That's about half the traditional UAW wage.

The Obama administration now feels totally vindicated for bailing out GM. Such a deal. Let's offer up half a clap for the news that GM came back from bankruptcy to mount a successful IPO and pay something back to the taxpayers, which is better than nothing. Some jobs were saved, and that prospect was why folks like me supported this bailout in the first place.

Don't call it a success story: The government unloaded some of its GM stock holdings at a $10.67 loss over the average per-share price it paid for its $49.5 billion investment. As the Bloomberg news service noted, "The Treasury, which is taking a loss on its portion of the sale, will break even only if the shares climb more than 60%," referring to the GM shares the Treasury still holds.

Nor should we ignore the fact that GM is a shadow of its former self and its rosier prospects for long-term survival depend primarily on job creation in China, where GM is already a major presence. Or that GMAC, the carmaker's former credit operation, is still majority-owned by the U.S. government and is busily foreclosing on the homes of people they hustled into subprime and otherwise dubious mortgages.

GMAC was no different from others in the financial industry in securitizing mortgages that it should have known were toxic. Restructured as Ally Financial, the company was split off from GM, taking along its burdened debt obligations and benefiting from $17.2 billion in bailout money. Like the other financial outfits, Ally has enjoyed a range of government support through the Federal Reserve and Treasury. Not so the folks to whom GMAC sold crappy mortgages that are being foreclosed at an alarming rate.

The assumption of both the Bush and Obama administrations was that what was good for the banks would be good for the general economy, but just the opposite has happened. While the financial sector flourishes, the economy stagnates. As The Wall Street Journal reported in its story on the release of the Fed minutes: "Federal Reserve officials downgraded their outlook for the U.S. economy ... projecting that the jobless rate could exceed 8% for two more years and that it won't return to its former vitality for five years or more."

Guess what? The financial benefits are not trickling down. Throwing money at the banks has been as effective as pushing on a string, and the result has been what former Fed Chairman Paul Volcker has excoriated as a "liquidity trap." No serious government pressure has been brought to bear on the banks to help homeowners stay in their homes through mortgage payment adjustments.

What has occurred is what former International Monetary Fund chief economist Simon Johnson referred in The Atlantic back in May of 2009 as "The Quiet Coup," in which the financial industry is fully in charge of the government's response to our economic problems. The result, he noted, is "the reemergence of an American financial oligarchy" that had been broken by the banking regulations imposed during the New Deal in response to the Great Depression. Franklin Delano Roosevelt's sensible regulations were gutted by Bill Clinton and George W. Bush, and tragically Obama has failed to restore them. The Wall Street lobbyists got their way and unfettered greed prevails. How else to explain last quarter's outrageous profit figures?

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Tim Giago: A Day to Give Thanks Is Part of Native American Tradition

By now I believe most Americans understand that the creative stories surrounding the first Thanksgiving are, for the most part, a myth.

There are few Native Americans who believe this day meant that peace and harmony had become a reality between the Indians and the Pilgrims. Most Natives know that this was just the beginning of an onslaught that would reduce the number of Indians from more than one million to about 200,000 by the beginning of the 20th century.

Over the years I have heard many stories about the psychological impact of Thanksgiving celebrations at schools where a few Native Americans attended classes with predominantly white students. Recalling her school days in Kansas, one Caddo Indian lady said, "All of the kids, except me and two other Native Americans, showed up in class wearing cardboard feathers with their faces painted in various colors. The white kids put their hands over their mouths and whooped and ran around the classroom making these awful sounds. We Indian kids were mortified and embarrassed by all of this."

She continued, "What if on Black History Day or on Martin Luther King's birthday all of the white kids came to school with their faces colored black? Wouldn't that be an insult to the African American students?"

But the day known as Thanksgiving has been accepted as a legal holiday by most Native Americans because the idea of a day to give thanks is such a strong part of their traditions and culture. There are "wopila" (giving thanks) celebrations all of the time among the Indian people of the Great Plains. A son or daughter returning home from Iraq or Afghanistan is an occasion for a wopila celebration. A wopila to celebrate a high school or college graduation is typical. When someone recovers from an accident or a serious illness, a wopila celebration or ceremony is held.

So the idea of a day of Thanksgiving has been a part of the Native American landscape for centuries. The fact that it is also a national holiday for all Americans blends in perfectly with Native American traditions.

According to my research, most of the credit for the establishment of an annual Thanksgiving holiday may be given to Sarah Josepha Hale. She was the editor of Ladies Magazine and Godey's Lady's Book, and she began to clamor for such a day in 1827 by printing articles in the magazines. She also published stories and recipes and wrote scores of letters to governors, senators and presidents. After 36 years of crusading, she won her battle.

On Oct. 3, 1863, buoyed by the Union victory at Gettysburg, President Lincoln proclaimed that Nov. 26 would be a national Thanksgiving Day, to be observed every year on the fourth Thursday of November.

Only twice has a president changed the day of observation. President Franklin D. Roosevelt, in order to give depression-era merchants more selling days before Christmas, assigned the third Thursday to be Thanksgiving Day in 1939 and 1940. But he was met with popular resistance, largely because the change required rescheduling Thanksgiving Day events such as football games and parades. In 1941, a Congressional Joint Resolution officially set the fourth Thursday of November as a national holiday for Thanksgiving.

Each passing year has brought a little more sensitivity to the way Thanksgiving is celebrated in the schools and in the public arena. History is written by the victor, and no victorious people want to put their warts on display before the world.

No doubt there was a time when the Indians and Pilgrims tried to find a peaceful solution to their differences, and maybe they did gather together to share a meal. Perhaps the idea of a day when they gave thanks for their existence blossomed at one point, but the possibilities of eternal peace and love soon vanished from the American scene and bloodshed, genocide and war were the aftermath of that day.

On the remote Indian reservations, families come together and share a meal. I vividly remember one Thanksgiving many years ago when my close friend Timothy Wetstone stopped by my house to play. He said, "Boy am I full. We had a big dinner of hot dogs and beans." Well, to Tim that meal was probably an exceptionally good meal compared to his usual fare. I'm afraid that our meal that day didn't exactly have all of the trimmings of a typical Thanksgiving dinner either, because most of the time we survived on red beans and rice. We were thankful to have that.

For families around this great country celebrating Thanksgiving, I hope your day of "wopila" is a good one.

Tim Giago, an Oglala Lakota, is the editor and publisher of Native Sun News. He was a Nieman Fellow at Harvard with the Class of 1990. His weekly column won the H. L. Mencken Award in 1985. He was the first Native American ever inducted into the South Dakota Newspaper Hall of Fame. He can be reached at editor@nsweekly.com.

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Allison Gilbert: Parentless Parents: Being Thankful on Thanksgiving

One of the most gratifying themes I uncovered researching and writing my forthcoming book "Parentless Parents: How the Loss of Our Mothers and Fathers Impacts the Way We Raise Our Children" is just how healing Thanksgiving can be for those of us who have lost our parents.

Healing, you say? Aren't the holidays just a painful reminder that our moms and dads can't be with us to celebrate with our children? Yes, the holidays can certainly feel that way. But they don't have to. Even though both my parents are gone, and I have two young children who never got to know them, I've come to realize that Thanksgiving has the power to heal.

According the Parentless Parents Survey, a sweeping study I conducted to better understand moms and dads who are raising their kids without their own mothers and fathers, 70 percent of all respondents say that they appreciate their children more because they've lived through such loss. Additionally, more than half say that they are better parents because their parents have passed away, simply because they've gained the ability to be more understanding with their children. Loss builds perspective.

Perhaps most fitting for Thanksgiving, however, is this: A whopping 84 percent of mothers and fathers who took the Parentless Parents Survey indicate that having lived through the loss of their parents has made them appreciate the family they still have.

That's how I feel today: grateful that I had two terrific parents, and exceptionally thankful that I am married to man whom I consider my best friend and that we have two beautiful, healthy children.

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Royal Wedding Date: Prince William & Kate Middleton To Marry April 29, 2011 At Westminster Abbey

The wedding of Prince William and Kate Middleton will take place on Friday, April 29, 2011 at Westminster Abbey, according to the British Monarchy Twitter. The couple's engagement was also first announced on Twitter.

The Associated Press writes:

Royal officials said Tuesday the couple chose the date because they wanted a spring wedding. It also the feast day of St. Catherine of Siena, whose name Middleton shares.

Queen Elizabeth II married at the abbey, the 1,000-year-old church in central London where British kings and queens are crowned.

William and Kate decided against celebrating their nuptials at St. Paul's Cathedral, where William's parents married in 1981.

Prime Minister David Cameron already declared the wedding date to be a bank holiday, the Daily Mail reported.

British brides-to-be were worried about the wedding date. The Associated Press tracked down ladies trying on wedding dresses to find out what they had to say:

"If their wedding was on my wedding day, I don't know what I would do!" said Anna Whitcomb, 28, trying on wedding dresses at a London department store. "I know all my family members and guests would want to watch the celebration and would be distracted."

"I'm supposed to be the princess, and now I have a real princess to compete with," she added.
Chelsea Slipko, also looking for a wedding gown at the store, said she couldn't deal with sharing a date with the royals.

"It's like having your birthday on New Year's or your anniversary on Valentine's day," she said. "It's not just your day anymore."

In fact, one mother of a bride-to-be actually asked Prince Charles to keep her daughter's date clear:

"My daughter said, 'please keep June 18 free, no one will come to mine," Nila Gosrani told the heir to the British throne as he was touring a museum. Charles said he would pass the message along.

Looks like she lucked out!

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Monday, November 29, 2010

Carl Sferrazza Anthony: The Ex-President Inside and Out, Revealed by his Grandson

Far too many readers assume history is a quaintly irrelevant retelling of wars or migrations or depressions and far too many such books bear that out by forgetting that it is ultimately individual human beings who direct society's fate.

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Among the annual crop of presidential biography and history, it's been some time since a work as nuanced, instructive and fascinating as Going Home to Glory: A Memoir of Life with Dwight D. Eisenhower, 1961-1969, has appeared. It's the culmination of a project begun some thirty years ago by author David Eisenhower, the only grandson of the legendary Commander of the Allied Forces of World War II and two-term President , known to millions around the world simply as "Ike."

David Eisenhower judiciously begins the book not with his post-war birth in 1948 or White House boyhood starting in 1953, but as Ike's retirement begins in 1961, giving the narrative a specific focus that moves it along with a clipped pace. In covering the period of his own high school and college years, part of which he also lived, literally and figuratively, close to the former President in Gettysburg, Pennsylvania, he counterpoints his own maturing teenage independence of thought and action with the senior Eisenhower who is striving to keep current on rapid social changes and make sense of it all.
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Anyone who loves politics, history or even the pop culture of the Sixties will be startled by the new perspective on Ike afforded by the genuinely intimate glimpses here. This is a layered work, its complexities encrypted into a flowing tale, its embarrassment of riches readily accessible on nearly each page. Going Home to Glory tells a surface story of how the elderly icon of the Fabulous Fifties navigated the Radical Sixties by using a traditional chronology where the events of the era unfold while drilling directly beneath them into the timeless values that made Ike do and say what he did in the Sixties.

It is this layer of rational common sense which offers a fresh relevance to contemporary politics.

The great seminal event which looms over the book is the Vietnam War and among Going Home to Glory's most fascinating perspectives is how the former Republican President is so closely aligned with incumbent Democratic President Lyndon Johnson, sometimes in support, sometimes questioning the wisdom of his decisions. More than anything it shows that, beyond the artificial pressures created by the media and the unrealistic expectations of an always-idealizing public, resolving crises such as war are often so complex that not even the greatest minds always get it right. As Going Home to Glory so well illustrates, it's an irony easily lost on everyone except ex-Presidents.

The book's most stirring revelations may be the new documented evidence of Eisenhower's depth of commitment to civil rights, most apparent in a private letter to President Kennedy since it is unemotional and unequivocal. Among several deeds done on behalf of civil rights as President, Ike had quietly laid the necessary judicial tracks that let the Kennedy and Johnson Administration's Justice Departments to debilitate racial segregation. What follows is his refusal to abandon his principals, putting the good of his nation above partisanship. The elderly ex-President had every right to just enjoy golf in the California desert. Instead, he defies the rising power of right-wing activists who sought to turn civil rights into a state's rights issue, lobbies Republicans to vote in favor of the civil right bill initiated by the Democratic White House and implores the 1964 convention, "Republicans should now take upon themselves a moral commitment to do their utmost to see this law is implemented not merely by the powers of legally constituted enforcement agencies, but by the hearts of a determined and free people." Without seeking credit of any kind for his actions, it is the very definition of political courage and genuine patriotism. Everyone from Nancy Pelosi to Mitch McConnell to Rand Paul should be made to read this book. It is not ancient history.

With the results of the 2010 election promising nothing but party intransience, the book's passages about the former President's efforts to combat a shift to either the right-wing Goldwater or the left-wing Rockefeller as his party's new leaders is especially instructive. As David writes, "Eisenhower strongly believed in the concept of a 'dynamic center' in national politics." To Ike this was a matter not just about winning elections or popularity polls, but accomplishing genuine work. He respected the power of words, making his public remarks carefully because he took responsibility for them. Capable of deftly twisting syntax when he wanted to obfuscate the meaning of his words, he long grasped unsuccessfully for an apt label to characterize those like himself who recognized the necessity of compromise to enact change. "Middle of the road was a poor term," the former President remarked with some frustration, "but moderation should govern human affairs."

Going Home to Glory also gives a sense of Ike's recognition that all political issues are essentially efforts to resolve human struggle. In a speech the ex-President gave to his Gettysburg church congregation, he offered clarity on the separation of church and state in a way that few national leaders have done since. He opposed "bringing religion into the curriculum" of public schools but favored instruction in the non-denominational democratic principals which were rooted in religious teachings. "There is no direct reference to the Deity Himself in the constitution," he remarked, while also pointing out, "The theory of the equality of man is religious in origin."

Ike's call for such balance would make today's atheist absolutists and Christian fundamentalists allies. As David assessed Eisenhower's belief, "Only by accepting one's subordination in a transcendent order can a person work toward something truly good." Yet Ike made no reference to "Jesus" or "Christ," using instead, "Supreme Overlord." Perhaps Eisenhower's character is no where better revealed in Going Home to Glory than in David's observation of the manner in which his grandfather delivered the speech, "with a trace of wonder that he felt compelled to spell out ideas of such manifest logic and application."

Another universal issue tackled in Going Home to Glory is facing the inevitable vagaries of aging, especially dramatic here since Ike was one of those legendary figures who seemed to have been around so long that he would always be there. As his grandson observes the dying process endured by his grandfather, there comes a certain pause, taking in the magnitude of finality. With rigorous objectivity, David Eisenhower unblinkingly reviews all the privilege Ike commanded for state-of-the-art medical technology to artificially extend his life for a few months. The great General seems spooked under cold metal machines, haunted by the realization that even science could only do so much. Providing sensitive detail here, David Eisenhower refrains from passing judgment about such measures, instead respecting the reader to make up their own mind about when life ends.

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Going Home to Glory is also spiked with comical, colorful anecdotes, the kind of personal, even mundane curiosities that humanize the mighty. In Eisenhower's case the revelations prove that his life with wife Mamie authentically mirrored the millions of middle-Americans they seemed to ideally represent. A telling episode is David's description of a nightly ritual with his grandparents on the back sunporch. They ate in their separate easy chairs off dinner trays in front of the television set. Ike commandeered that technological wonder of the age, the remote-control channel selector, and sniped with Mamie about what a young person like David wanted to watch on T.V. as he tried to steer clear of their testiness. Mamie sat near her solitaire table while Ike, "at an exact distance from the television screen to avoid radiation," would switch the remote back and forth between his and Mamie's favorite shows until she snapped, "Ike, make up your mind." Writes David, "Granddad would play deaf."

As a memoir it is also the coming-of-age story of not only the author but his partner in composing the book and in life, his wife Julie Nixon. 2010-11-23-DavidJulieEisenhowerCREDITAdrianaEchavarriasmaller.jpg
She was, as most know, the daughter of Ike's Vice President Richard Nixon, and her presence in the story gives the resonance of a second storyline that merges into the main one by the end. The book opens with Ike's feeling that Nixon's defeat in the 1960 election is a public repudiation of his own presidential achievements, and ends with him living long enough to see Nixon win in 1968. Towards the conclusion, the Eisenhower-Nixon political legacy culminates like clockwork with the pre-Inaugural wedding of David and Julie.

It would have been easy to let the many topics it covers swell rapidly, but Going Home to Glory is a modern publishing anomaly for its brevity and leanness without sacrificing incredible quality. The couple has been writing it carefully for some years, and the effort shows. Not only does the prose flow easily but the personal memoir aspects blend seamlessly with the political history. Important letters, memos, speech transcripts and published writings are inserted at key points enhancing rather than interrupting the narrative. Julie Nixon's skilled hand wrestled the challenge of this memoir/history's duality, much as she did with the well-wrought Pat Nixon (1986) about her mother.

In an age when news about a famous politician's child and their partner is deemed worthy when they dance on television and pose nude instead of going to college like Sarah Palin's daughter Bristol and her former boyfriend Levi Johnson have done, it's hard to believe that there were once 20-year old newlyweds like David and Julie. They managed intense public scrutiny, campaign schedules,and criticism from their peers while simultaneously working to earn their degrees from Amherst and Smith Colleges, respectively. While both were ultimately supportive of the Eisenhower-Nixon opinion to stay in Vietnam until "peace with honor" was achieved, Going Home to Glory suggests their views were distilled from a conscientious effort to understand why their peers overwhelmingly opposed it, rather than simply adopting their elders' views with willful blindness.

Eisenhower isn't remembered for a glamorous White House or heart-soaring speeches, but after reading Going Home to Glory in light of recent presidential candidates ranging from John Edwards to John McCain, one longs for an Ike, refusing to compromise the integrity with which they all seemed so promisingly to first commit to public service.

Finally, there is an almost eerie prescience to the Dwight D. Eisenhower we hear in Going Home to Glory, his spoken and written words offering a series of warnings against dangers that seem almost more directed to a United States fifty years after he left the White House than even in his own era.

The currency of Ike's popularity is today based on his presidential farewell address which famously warned the nation about a "military-industrial complex." Going Home to Glory broadens Ike's realization that massive amounts of federal funds fed to armament manufacturers would menace America not just by creating artificial incentives for increasingly nightmarish warfare but by also insidiously destabilizing the government budget and undermining the national economy.

Implied and explicit throughout Going Home to Glory is Ike's growing concern for the democratic process if it increasingly succumbed to cults of personality. This went beyond any admittedly parrtisan perspective he had on telegenic and popular successor John F. Kennedy to the increasingly adverserial dramas induced by the mass-media which profits by it. "Personalities - particularly personal animosities," he wrote in 1964, "are seemingly far more important than are issues, ideals and principals."

Twitter is doing for egotism what online shopping is doing for impatience, but then so did the Brownie camera and telephone a century ago. Society's resistance to recognizing what it has become hasn't changed either, but rousing itself to take measured responsbiity can sometimes be provoked by a reminder of how dangerous excess in either direction can be. Especially haunting in Going Home to Glory, is Ike's reaction to adults resorting to the impulsive extremism of lawless violence to protest national policy and crackdown. As David Eisenhower quotes from Ike's 1967 article, "We Should Be Ashamed" he was especially shocked to see it in a nation with "more opportunities, more resources, more talent and competence...more of the tangibly good things of this life than any other nation ever had."

Perhaps for an old man who had long before determined to escape what his grandson called "the wrong sides of the track" by pulling himself up from the proverbial bootstraps, the rage which sparked much of the Sixties rioting was incomprehensible. It might also appear to be another illustration of Ike's admittedly tough-love warning to stay centered and maintain balance. When he saw the human toll of a liberated Nazi concentration camp, he was as enraged by the end result of extremism as he was horrifed by the disregard for life, and made local citizens file by to comprehend what happens when society reacts too passively.. Though written in reference to America's urban violence in the Sixties, Ike's warning against excess in Going Home to Glory speaks to all extremes today: "This situation is unacceptable in a civilized society."

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Follow Carl Sferrazza Anthony on Twitter: www.twitter.com/CarlSAnthony

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Feldman Law Center ? Loan Modifications Ramped Up by Government

Feldman Law Center ? Loan Modifications Ramped Up by Government

The world of loan modifications is ever changing, and proof positive is the federal government’s ever-expanding role in influencing banks to offer loan modifications.? It was recently reported that the government is frustrated with the progress of their federal loan modification program, and are trying to influence major banks to increase the number of loan modifications for homeowners.? Of course, increasing the number of loan modifications means relaxing the standards which they are currently using to allow for mortgage loan modifications.

Banks such as Bank of America, Citigroup, J.P. Morgan Chase and Wells Fargo were all summoned to a meeting in Washington, D.C. to discuss ways to improve the federal loan modification program, which was announced in February 2009.? The Obama Administration put a great deal of effort and hope into the program, but it has not yet produced the kinds of results people thought it would.? The administration’s goal is to complete 500,000 trial loan modifications, although some analysts fear this is far too optimistic.? The government has discussed ways to expand the program, including ways to simultaneously modify mortgages and home equity loans.? When President Obama took office earlier this year, the number of foreclosures was sky rocketing due in large part to the subprime mortgage crisis and the adjustable rate mortgages (ARMs) which were offered so rampantly.? As a result, millions of Americans were losing their homes and the government felt it needed to intervene.

While the level of government involvement is new, loan modifications, are nothing new.? California loan modification attorneys have been helping people stay in their homes for years, by helping them get home loan modifications without government interference.? Millions of people throughout California have used California loan modification attorneys for their California home loan modifications because attorneys carry a special place in our current culture.? When a loan modification attorney calls a bank or lender, they get a much quicker response because they have the law on their side.? When people try to handle loan modifications on their own, they usually do not know what they are doing exactly and can make many mistakes as a result.

The recent government programs have helped a few people, but since the banks all have huge bureaucracies and the federal government is one giant bureaucracy, people often get lost in process.? Trying to call the federal loan modification program hotline can cause major headaches, and trying to get one huge bureaucracy to call another huge bureaucracy can take months and months.? While it is encouraging that the federal government is trying to help the average homeowner, a loan modification attorney can get better results in less time.

A loan modification can help adjust a number of mortgage terms to lower your monthly mortgage payment, thus allowing you an affordable payment you can pay consistently.? California loan modification attorneys, such as those at the Feldman Law Center, have years of experience in helping people avoid foreclosure and stay in their homes.? Our loan modification attorney team is highly skilled in helping California homeowners in avoiding foreclosure, avoiding bankruptcy, avoiding a short sale and avoiding the “just walk away” option.

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Beet.TV Has Sponsors…Blinkx and The NewsMarket

You might have noticed the cool banner ads on the site for Blinkx and The NewsMarket. They went up today. These are our first sponsorships. Beet.TV has been gaining a lot of currency lately and it’s very exciting. We’re publishing daily and have built an archive of over 200 posts. The vlog has gained a good deal of influence in the Technorati rankings. We’re linked by 325 blogs which is the best testament to our work. We have been flattered by so many amazing comments, including one from the great Robert Scoble, who wrote lately that Beet has more traffic than the ScobleShow and declared “Beet.TV is kicking my a&&” (Not sure if that’s really true, Robert, but….) And wonderful kudos from John Battelle and New York Times TV critic Virginia Heffernan who called my vlog “superb.” Wow. Traffic is building. More than the numbers and the rankings, the vlog occupies an influential place in the online video revolution. I know through my day-to-day communications with viewers we are reaching a highly influential audience. That includes you. Since Beet.TV is finding its groove, we have just launched a sponsorship program. We’re offering a limited number of companies the opportunity to join Beet.TV as “charter” sponsors. Each sponsor will have prominently displayed, square-banner ad on every page of Beet.TV See this video on Beet.TV: www.beet.tv

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Using College Student Jobs to Open Doors in the Professional World

By javeria, on November 23rd, 2010

Using College Student Jobs to Open Doors in the Professional World

College students throughout the United Kingdom turn to part-time employment to help pay for university fees and living expenses. These jobs are often seen as an expedient way to earn a pay check without consideration of potential work experience that would be useful down the road. University students who take the time to research part-time and temporary jobs during their period of matriculation will be able to point to these experiences in the future.

Students interested in marketing, advertising and design need to think of retail positions as a way to learn the basics of their future profession. A shoe clerk can work at a small boutique and create hand-written signs to draw in customers while they make a steady wage. Cashiers at a local grocery can inquire about the daily business dealings of the company through their managers. These positions may seem like opportunities to pay off monthly debts but a few months of hard work can open doors down the road.

The references built through college student jobs can reveal professional opportunities after graduation. University graduates who have spent their summers working hard on construction sites, delivery routes and factory lines will develop good relationships with their employers. These employers can be placed on a CV for contact by dozens of employers in the future. In the same way that flat mates and university colleagues are important at the beginning of a professional career, references from college student jobs are vital to landing the best jobs.

College student jobs allow employees to save a little of their money while they pay off some of their larger debts. A combination of college student loans, savings from summer work and a steady check from a student job gives a student greater financial flexibility through graduation. The cost of living grows as students move into a new apartment and need to purchase household items after graduation. A small chunk of each check can be set aside for a post-graduation fund instead of going into disposable goods like MP3s and drinks.

Students who plan ahead with their university employment will build the skills needed to deal with long term issues in their profession. A young student who takes on a temporary job in a legal office and wants to work in international affairs can ask the right questions of her employer about the right educational course. A well-planned employment experience during the university years can lead to prosperity down the road.

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Christian Lander: 'Stuff White People Like': Treasures From A Book Tour Around America (PHOTOS)

When I began "Stuff White People Like" back in January of 2008, my knowledge of white people was limited mostly to my 29 years of being white. But I had a traveled a bit and spent four years in graduate school, so I was still in a pretty good position to observe the habits of the modern white individual.

So I started writing about them. Little would I know that there would be so many people interested in white people and how to exploit them for personal gain. Things went well. I wrote a book, I went on a few talk shows and for a while I thought I was a man who know all he could know about being white.

Then I went on a book tour.

My travels took me to magical places like Madison, WI, Austin, TX, Portland, OR, and Chapel Hill, North Carolina. It became painfully evident that I still had a lot to learn about white people.

It was an eye opening experience that helped me realize as much as all white people were the same, in many ways they were slightly, superficially different. But then again, there are few things that white people like more than slight, superficial differences

So I've set out to continue finding all of those things that bind white people together in unity, but this time I want to take it further, I want to take it to the independent coffee shops of the college towns in the Midwest, the music festivals in rural Tennessee, the bicycle collectives in Los Angeles and many more.

"Stuff White People Like" is going regional.

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BIG SHOTS

Launch the fullpage Big Shots slideshow?>>

From the Book, WHITER SHADE OF PALE by Christian Lander. Copyright ? 2010 by Christian Lander. Reprinted by arrangement with Random House, an imprint of The Random House Publishing Group, a division of Random House, Inc. All rights reserved."

Atlanta

From the Book, WHITER SHADE OF PALE by Christian Lander. Copyright ? 2010 by Christian Lander. Reprinted by arrangement with Random House, an imprint of The Random House Publishing Group, a division of Random House, Inc. All rights reserved."

Atlanta

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Josh Ozersky: Meet the Russ & Daughters Gang

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Sunday, November 28, 2010

The flow to cash with free money for college

The flow to cash with free money for college

The flow of cash through free money for college grants.
College bills are difficult to focus paying in the world of today’s hustle and bustle. The option is exclusive to the wealthy. The average academic year ranges at 20000$ . Forward motion is undoubtedly the free money for college grants.

The initializing process should begin with searching for free money for college grants through subject ,talent skill or type categories.

Free money for college grants differ from student’s loans or scholarships as grants are free money, like a gift, not a loan that needs to be repaid and need based in comparison to traditional scholarships that are merit based.

Free money for college grants are in subject specific , student specific or type specific categories. Colleges , universities and federal and state governments are the most common sources of free money for college grants. Financially impaired and disadvantaged students are usually grant recipients and therefore free money for college grants are designed for low-income and minority students .
The main aim of the federal grants are from the federal government policies of “no child left behind act” that allow provision of free money for college grants. The main aim of the (SMART Grant) The National Science and Mathematics Access to Retain Talent Grant is to award undergraduate studies in engineering, mathematics, computer science and engineering.

The state grants for resident students are on the level of need merit and area of study. Here are some examples:

There is a rising percentage of qualified four year degreed individuals through minority grants.

Colleges have a higher percentage of American Americans in recent years. There are 39 colleges and universities in the USA that are historically black and offer grants and scholarships. The most disadvantaged categories of minorities are the African American Women There are countless sources for free money for college grants targeting minorities and women, especially those grants in specialized study fields.

There were great limitation in the past for Hispanic students as a result of social , economic and cultural problems. Currently there are many Hispanic grants and opportunities available.

Although a legacy of disadvantaged backgrounds have plagued African Americans there are huge opportunities for advancement through Native American grants to reconcile the past.

Grants for Asian American students are sponsored by ethnic organizations as ethnic minority grants from the government, colleges and universities.

The crucial purpose of free money for college grants is mainly to be able to rise up against the financial burdens of college costs.

The flow of cash through free money for college grants.
The way to cash flow with free money for college.

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How to Triple your Ad Revenue

By anushba, on November 22nd, 2010

How to Triple your Ad Revenue

If you are interested in making money online, you are probably familiar with all of the standard money making techniques; Adsense, affiliate programs, contextual links, signature files, etc. These are all pretty standard within the industry and they work quite well.

Most webmasters place Adsense as well as ads for other publishers and give them premium placement on their sites. Even though they will only make a few cents per click, some sites bring in thousands of dollars in advertising every month. However, very few small sites bother to place ads for their own (or affiliate) products on their site and this is a big mistake. On a per click basis, each click on your own product’s ad can easily be worth 2 or 3 times what you are getting from other advertisers.

For that reason, I always place ads for my own (and affiliate) products on every page of my sites. This method works great and is responsible for about 25% of the affiliate sales that I generate each month. I design my own ads for these products and put I them in prominent locations on every page. I vary the placement and look of the ads so that a visitor may not even realize that they are looking at an ad for the same product. In this way, each page looks unique and visitors do not become blind to a particular ad (or location) because of its repetition.

So if you are excited about the advertising money that you are making with your site, try including ads for your own, or affiliate products. Used consistently, this technique can easily double or triple the value of each click and the amount of advertising money that you are making each month.

Do you want to learn how I make money? Get my new ebook and start making money online!

Videouno Studio Houston, Creating Online Videos For Local Business on a Shoestring Budget. VideoUno Studio isHoustons innovative Internet media video production company producing and publishing high-impact, affordable and effective, web and mobile video ads for local businesses. VideoUno Studio is committed to creating quality videos that capture the unique nature of our customers, products and services. VideoUno Studio Creates cost-effective videos that help companies sell their products. Our business expands through satisfied client references. We are known for our work, our people and our innovative on-time video production with striking results. 60 SECOND WEB VIDEO PACKAGE ONLY 0 VideoUno Studio will produce an affordable and professional, 60-second story telling Internet video for your business. With video production conveniently done at your place of business. Director / Videographer Up to 4 Hours of Camera Time on Location Professional Portable Lighting Professional Wireless Microphones Editing / Post Production, Motion Graphics, Titles, Voice over & Music

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Tiger Extinction: Tigers Could Be Extinct In 12 Years If Unprotected

ST. PETERSBURG, Russia — Wild tigers could become extinct in 12 years if countries where they still roam fail to take quick action to protect their habitats and step up the fight against poaching, global wildlife experts told a "tiger summit" Sunday.

The World Wildlife Fund and other experts say only about 3,200 tigers remain in the wild, a dramatic plunge from an estimated 100,000 a century ago.

James Leape, director general of the World Wildlife Fund, told the meeting in St. Petersburg that if the proper protective measures aren't taken, tigers may disappear by 2022, the next Chinese calendar year of the tiger.

Their habitat is being destroyed by forest cutting and construction, and they are a valuable trophy for poachers who want their skins and body parts prized in Chinese traditional medicine.

The summit approved a wide-ranging program with the goal of doubling the world's tiger population in the wild by 2022 backed by governments of the 13 countries that still have tiger populations: Bangladesh, Bhutan, Cambodia, China, India, Indonesia, Laos, Malaysia, Myanmar, Nepal, Thailand, Vietnam and Russia.

The Global Tiger Recovery Program estimates the countries will need about $350 million in outside funding in the first five years of the 12-year plan. The summit will be seeking donor commitments to help governments finance conservation measures.

"For most people tigers are one of the wonders of the world," Leape told The Associated Press. "In the end, the tigers are the inspiration and the flagship for much broader efforts to conserve forests and grasslands."

The program aims to protect tiger habitats, eradicate poaching, smuggling, and illegal trade of tigers and their parts, and also create incentives for local communities to engage them in helping protect the big cats.

The summit, which runs through Wednesday, is hosted by Russian Prime Minister Vladimir Putin, who has used encounters with tigers and other wild animals to bolster his image. It's driven by the Global Tiger Initiative which was launched two years ago by World Bank President Robert Zoellick.

Leape said that along with a stronger action against poaching, it's necessary to set up specialized reserves for tigers and restore and conserve forests outside them to let tigers expand.

"And you have to find a way to make it work for the local communities so that they would be partners in tigers conservation and benefit from them," Leape said.

"To save tigers you need to save the forests, grasslands and lots of other species," he added. "But at the same time you are also conserving the foundations of the societies who live there. Their economy depends very much on the food, water and materials they get from those forests."

About 30 percent of the program's cost would go toward suppressing the poaching of tigers and of the animals they prey on.

Russia's Natural Resources Minister Yuri Trutnev said that Russia and China will create a protected area for tigers alongside their border and pool resources to combat poaching.

Leape said that for some of the nations involved outside financing would be essential to fulfill the goals.

"We need to see signficant commitment by the multilateral and bilateral indsitutions like the Global Environment Facility and the World Bank plus individual governments like the U.S. and Germany," Leape told the AP.

For advocates, saving tigers has implications far beyond the emotional appeal of preserving a graceful and majestic animal.

"Wild tigers are not only a symbol of all that is splendid, mystical and powerful about nature," the Global Tiger Initiative said in a statement. "The loss of tigers and degradation of their ecosystems would inevitably result in a historic, cultural, spiritual, and environmental catastrophe for the tiger range countries."

Three of the nine tiger subspecies – the Bali, Javan, and Caspian – already have become extinct in the past 70 years.

Much has been done recently to try to save tigers, but conservation groups say their numbers and habitats have continued to fall, by 40 percent in the past decade alone.

In part, that decline is because conservation efforts have been increasingly diverse and often aimed at improving habitats outside protected areas where tigers can breed, according to a study published in September in the Popular Library of Science Biology journal.

Putin has done much to draw attention to tigers' plight. During a visit to a wildlife preserve in 2008, he shot a female tiger with a tranquilizer gun and helped place a transmitter around her neck as part of a program to track the rare cats.

Later in the year, Putin was given a 2-month-old female Siberian tiger for his birthday. State television showed him at his home gently petting the cub, which was curled up in a wicker basket with a tiger-print cushion. The tiger now lives in a zoo in southern Russia.

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Joel Schwartzberg: Six Things Remarried Dads Owe Their Stepmom Wives

The stepmother is probably the least-defined role in the contemporary family structure: She is a parent, yet not the parent. A caregiver but not always a care-getter. She donates considerable time, space, attention, resources, and family income to people from another life. She has not only willingly opened her private life to the one she loves, but allowed it to be invaded by needy, willful, attachments with whom she has no biological, legal, or dependent connection.

And what does the stepmom get for her trouble (while the woman from another life gets a regular alimony check)? Probably not as much as she deserves -- certainly less than she imagined when she first considered her romantic future. This is not to say that stepmoms are miserable and masochistic. Often they dearly love the children brought into their lives. But her needs are frequently overshadowed by those of her husband. She is there for him. She is there for the kids. But who's there for her, and is it enough?

In my experiences as a remarried father and author of essays on divorced dadhood, I've identified six things remarried dads need to realize they owe the new loves in their lives.

Joel Schwartzberg is a nationally-published essayist and author of the award-winning collection, "The 40-Year-Old Verison: Humoirs of a Divorced Dad"

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Payday loans no faxing: – quick financial assistance without paper work

By anushba, on November 22nd, 2010

Payday loans no faxing: – quick financial assistance without paper work

Now days, life has become so hard and fast that unexpected expenses can arise any time in the middle of the month .so in order to fulfill these unexpected needs you need some financial help from outside. Payday loans no faxing provides you money for urgent needs. it is the easiest and fastest way to fulfill your needs.

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Features

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The main feature of payday loans no faxing is that you need not fax any document. It requires no paper work. So there is no wastage of time and energy in lengthy paper work or documents. These loans can avail you money help up to 1500 pounds for 14 to30 days. Payday loans no faxing are short term in nature. Granted can be used for paying personal bills like telephone bill, electricity bill, medical bill , house rent and so on..

These loans are unsecured loans which mean that there is no concern with collateral.

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Who can apply?

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He/ she should be a resident UK. He/she should be of 18 years or above and must have regular income. He/she should have an active bank account. If someone fulfills all these criteria’s can easily apply for the loan. Even you have bad credit history such as default, late payment, bankruptcy or CCJ’s etc. can also apply for these loans because there no credit checks. So people with poor credits can also avail this service.

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How to apply?

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You can apply for payday loans no faxing online. You need not to go to the lender’s offices or stand in long queues. You just have to fill simple online form require information like name, address, bank account number etc. Loan money is transferred to your account with in 24 hours after the lender’s approval.

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Summary

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Payday loans no faxing takes less time for approval and requires no paper work. it is short term in nature and provides small amount for fulfilling your urgent needs like telephone bill, electricity bill, etc. these are unsecured loans which provide financial assistance with in few hours of approval.

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Andy Roger is an MBA in finance.

His expert research on payday loans,
no fax payday loans,
payday loans no faxing and fax free loans can help costumers.
For more information please visit http://www.faxfreeloans.co.uk/


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Seth Reams, Michelle King Featured On CNN (VIDEO)

HuffPost Game Changers Seth Reams and Michelle King were recognized for their volunteer efforts on cable news Saturday. TV and radio host Pete Dominick featured the couple on his CNN show "What The W...

HuffPost Game Changers Seth Reams and Michelle King were recognized for their volunteer efforts on cable news Saturday. TV and radio host Pete Dominick featured the couple on his CNN show "What The W...

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Saturday, November 27, 2010

New York-New Jersey Subway Raises Hackles, Hopes

NEW YORK — Could New York's subway be going suburban?

A proposal to extend the No. 7 line across the Hudson River has straphangers atwitter, with some wondering how the new connection might change the character of the city's beloved trains.

"The idea of it going to New Jersey – oh my God," said Lorraine Diehl, a dyed-in-the-wool New Yorker and author of a book about the subway. "Eek! You'll come back with germs."

New York Mayor Michael Bloomberg confirmed this week that the city is studying whether to extend its No. 7 line from the far west side of Manhattan and under the Hudson to Secaucus, N.J. It would be the subway's only stop outside New York City limits. Bloomberg called the $5.3 billion plan "very clever."

Die-hard New Yorkers were incredulous.

"You've got to be kidding me," said Linda Baran, president of the Staten Island Chamber of Commerce. She called the plan a slap in the face to the only subway-free borough, where people have been begging Bloomberg for better public transit for years.

The proposal set off fierce debates on online transit forums like SubChat.com and RailRoad.net, with many New York posters calling the idea a waste of money.

The Straphangers Campaign wants the city to ensure it can meet its other obligations, like finishing an unfinanced subway line along New York's Second Avenue, said Gene Russianoff, the association's staff attorney.

Bloomberg says extending the No. 7 could be an elegant replacement for another tunnel project that fizzled last month when New Jersey Gov. Chris Christie balked at the $9 billion to $14 billion price tag. Christie said taxpayers couldn't afford to bear the cost for years of the nation's most costly public works project, which would have doubled the commuting capacity of New Jersey residents taking Amtrak or NJ Transit trains to work.

Construction of a multibillion-dollar, 1.5-mile extension that would take the No. 7 from Times Square to the Hudson riverbank is already under way. The proposed tunnel under the Hudson would cost $5.3 billion and extend the line to the Secaucus Junction station, where straphangers could switch to New Jersey commuter train lines. The proposal is preliminary, and officials haven't firmed up who would pay for what.

The debate has tapped into the long-standing rivalry between New Yorkers and their neighbors across the Hudson, said Jack Eichenbaum, historian for the borough of Queens. Depending on which side of the river you're on, New Yorkers are egocentric jerks and New Jerseyans backwater rubes.

"People say `Why go to New Jersey? That's a whole other place!'" Eichenbaum said.

Earlier this year, Christie and New York Gov. David Paterson traded barbs over the boorish stars of the reality TV show "Jersey Shore." Christie complained that most of the cast was actually from New York; Paterson joked that maybe they were just better behaved when they're in New York.

In the rest of the country, it's not unusual for subways to cross into other cities, even other states.

Even in New York, there are plenty of other connections to New Jersey: ferry boats, NJ Transit trains and buses, as well as the Port Authority Trans-Hudson commuter rail trains, known as PATH.

But the century-old subway remains purely a New York thing. It also occupies a special place in American culture, inspiring songs like Duke Ellington's "Take the A Train" and movies like "The Taking of Pelham One Two Three."

T-shirts featuring "A," "1" and other subway line symbols are brisk sellers in New York's souvenir shops. There are no PATH T-shirts there.

The proposed crossing would add a whole new dimension to the No. 7 line, said Jeff Liao, a Taiwanese photographer who spent three years documenting that train for a book.

The No. 7 – the purple line on subway maps – begins in the immigrant neighborhoods of Queens and ends in Times Square. The journey is a metaphor for the American experience itself, Liao said.

"We're all immigrants, and every day we're riding the train to Times Square, chasing the American dream," he said.

The line was the last to retire New York's emblematic "Redbird" trains, named for their dark red color. It takes legions of long-suffering Mets fans to games and gives them a place to savor victories or lament defeats together. Tennis lovers fill the cars in late August to ride east to watch the U.S. Open.

In 1999, New Yorkers went ballistic after Atlanta Braves player John Rocker likened a ride on the No. 7 to riding through Beirut "next to some kid with purple hair next to some queer with AIDS right next to some dude who just got out of jail for the fourth time right next to some 20-year-old mom with four kids."

The train continues to carry a diverse and mostly working-class crowd. As it sped eastward through Queens on a recent evening, bricklayer Elton McEneaney, 37, of Ireland, shared a bench with Nelson Romero, 50, a radio announcer from Colombia. There was a Chinese florist and a Mexican factory worker.

An hour later, a NJ Transit train carried a different kind of commuter westward, home to New Jersey: real estate developers, network engineers and executives dressed in suits, black dress shoes and overcoats. Most were white.

If the extension were built, Liao said, the two groups might someday share the same cars in Manhattan.

"The thing about the subway is, it's maybe the only part of the city that's an absolutely true melting pot," Russianoff said.

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Lastest Google Ads News

By malik, on November 21st, 2010

SearchCap: The Day In Search, November 18, 2010
Yahoo announced a new set of quick search apps today. The one I like the best is this Sketch-A-Search App, but they also released OpenTable Quick App today and will be releasing a Restaurant Comparison Quick App soon.
Read more on Search Engine Land

Adsense Ready WordPress Themes
Mention Google Adsense to anyone that is making decorous money online, and they module belike hit something perverse to feature most it. It’s true… Adsense doesn’t intend the fuck it deserves.
Read more on Internet Works

Facebook takes on Google and Yahoo in Web messages
Facebook rolled out an all-in-one messaging service that for the first time allows its half-billion members to communicate with people outside the social network, intensifying a battle with Google Inc and Yahoo Inc for users’ Internet time.
Read more on Reuters via Yahoo! News

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Migrain Headaches ? The Facts

By admin, on November 21st, 2010

Migrain Headaches ? The Facts

If you are reading this there is a good chance that you or a loved one is one of the millions of migraine suffers worldwide. I recommend that you read every word of this article and learn all the facts about migraine headaches and how there is hope for all migraine sufferers.

Migraines are intense recurring headaches.

If you take the time to find out what kinds of things trigger your migraines, they can be avoided.

Many times it is a certain food, or combination of foods. These are known as ‘trigger foods’.

Don’t be fooled into thinking that any really bad headache must be a migraine. A bad headache can be just that, a headache.

So what are the symptoms of a headache?

Severe throbbing pain on one or both sides of your head
A feeling of laziness
Shooting pains in the eyes when looking at bright light
A feeling that you are going to be sick

Migraine symptoms can take many different forms and are often unique to each person. Not every migraine sufferer has the classic symptoms. Please bear that in mind.

Symptoms of migraine headaches commonly include:

One thing is certain. You need to research further and learn how you can naturally treat your migraine headaches and more importantly prevent them from happening.

Many people focus on treating their migraines with dangerous prescription drugs which can help with the pain but don’t actually help prevent the migraine.

Over the counter migraine drugs and those prescribed by the doctor can cause harmful side effects. They can also become addictive if taken too often.

Only use migraine drugs as a last resort. You should instead focus on natural treatments and better still work on preventing your migraine headaches by finding out your migraine triggers.

Migraine triggers are the things that start your migraine. There are specific ways to identify these things and then avoid them.

This is the best thing you can do to prevent your migraine headaches.

Relieve your migrain headaches and ease your suffering at http://natural-migraine-relief.info

Act now and avoid dangerous migraine medication.

I’m a longtime migraine sufferer that wants to help others like me. I relied on medication for a longtime but thankfully those days are behind me. I now rely on natural remedies to control my migraines for both me and my lovely little girl, Alana.


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Student Loan Debt Relief “Just A Click Away”

Student Loan Debt Relief “Just A Click Away”

The Sad Truth

Let me see if you can relate to this story. I was working in the private sector. It was an interesting job…except it wasn’t. The hours were long, the job was hard, and I found myself looking in a mirror after working sixteen hours straight asking myself, “is this what I dreamed of?”

I got off on a tangent when I started remembering some of my dreams, many of them involving me on a tropical island while someone else cleaned my kitchen…but that’s another story. Anyway, where I was working certainly wasn’t in my dream. So I decided to go back to school to get my degree so I could teach. Yes, teaching is a noble profession.

Teaching is also a starving profession. A profession where you can work very hard and still qualify for food stamps. While working on my degree, I became reacquainted with Ramen Noodles (thank you Nissin).

But I still wasn’t able to make ends meet. So I decided to take advantage of a program that we’ve all come to know and love…the STUDENT LOAN PROGRAM. I signed forms. I made promises. I got in debt. But, of course, it’s “good debt.” Yeah, right.

Now I’m at the end of the journey in the hallowed halls of academia, facing a cold hard fact…Uncle Sam wants his money, and he wants it NOW! I’m finally living the dream, except the loans I racked up during my college days aren’t nearly as much fun as I thought they’d be.

Yes, they are still “good debt,” but only like dental surgery is a “good thing”–it gets you what you want to have, but it certainly isn’t a lot of fun going through.

While going through school, I amassed just over ,000 worth of debt. Did I mention I ate Ramen Noodles while I did this? School is just expensive, and after a while, selling plasma loses its appeal.

I took out thousands of dollars in subsidized loans, unsubsidized loans, and unofficial unsubsidized loans. The first two were administered by the U.S. government, and the last was a combination of my two friends, Mastercard and Visa with their pal Discover. Yeah, I got some frivolous stuff, like peanut butter, oh, and that time I got water. But mostly this went for my education.

Okay, does this story sound all too familiar to you. Come on – fess up. You probably have been or are in the same situation. Let me be the first to tell you that the “student loan fairy” does not exist. And yes , you will have to pay back all that money you borrowed from the banker.

Sure the frat parties were great and the splurge of money on those tailgating weekends were definitely worth spending money on – but unfortunately there does come a time when we have to pay back these loans.

So how the hell do you pay off these staggering mountains of debt that may only have helped you make a passing grade D at best ?

Knowledge my friend – knowledge is the power to debt free life. Yeah, we sure did read “too much” in college but listen up – go read The Ultimate Guide To Student Loan Consolidation , even if its the last time you read anything.

Why ? Because dummy – if you don’t, you will stay in your pathetic financial situation making payments to someone else for the rest of your life. Why the hell would you wanna do that. Its your money – spend it on something YOU want to !

I sure lived with the “pay-check-to-pay-check” lifestyle in college and damn me if I’m going to continue to live like that.

Its your call my friend !

www.studentloanplanner.com

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Student Loan and Student Loans

By javeria, on November 21st, 2010

Student Loan and Student Loans

A student loan is a
loan that is granted to a college student enrolled in courses
full or part time for at least one semester or quarter and who
have declared a major with the intent of pursuing a degree of
higher education. Student loans can be granted through various
lenders with a governmental guarantee, or can be granted from
private lenders with no guarantee. Some student loans do not
require a parent’s signature, while others do. The government
guaranteed student loan is classified by two types, subsidized
and unsubsidized.

The subsidized student loans have a yearly limit and allow for
the government to pay the interest on the loan while the student
is in school. The unsubsidized student loan allows for a higher
yearly limit, but the student must pay the interest while in
school, or the accrued interest will be added onto the balance
of the loan and is the responsibility of the student during
repayment. A student loan can be deferred while the student is
in school half time indefinitely. Private student loans usually
have a set period of deferment, 2-5 years, and then the student
must begin repayment regardless of whether or not they have
completed their education.

Currently, student
loans have the best interest rates in town. As the interest
rate index rises, so will the student loan rate. During low rate
times, many scramble to consolidate their student loans. This
saves a tremendous amount of interest in the long run, since a
student loan repayment plan can extend over 25 years depending
on the loan balance. Those students with an extremely low
student loan balance (,000 or less) usually only have the
typical 5 or 10 year repayment option. A student loan is
eligible to be used for tuition, books, on campus housing and
childcare expenses. Some student loans allow for the purchase of
an automobile to get to and from school, or other pertinent
school materials such as a computer or to pay off other student
loan debt.

Many students today are counting on student loans for their
education. What they are not realizing when they sign the
student loan promissory note is the debt they are incurring for
a very long time after their schooling has been completed. The
average student loan balance is upwards of ,000 for a four
year degree. Add to that professional education costs, and some
students will have over 0,000 in student loan debt. While the
investment of an education is always a wise idea because
investing in one’s mind will never diminish in value, the costs
associated with this investment and the income expected to earn
should be carefully evaluated. Some careers do not warrant a
high enough salary to repay the loans. Grants and scholarships
should always be considered as alternatives to obtaining student
loan debt.

For more information about student loan and student loans,
visit: http://loans.christianet.com

http://loans.chr

istianet.com/articles.htm http://www.christianet.com

Christian N, http://www.ChristiaNet.com

http://blogs.christianet.com

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Gretchen Morgenson: Banks Bad Mortgage Paperwork Problems Aren't Blowing Away

The New York Times:

KUDOS to the Congressional Oversight Panel for publishing a thoughtful and thorough report last week on the mortgage documentation mess. It argued that, yes, in fact, these paperwork problems may have significant implications for banks, investors and the stability of the financial system.

Read the whole story: The New York Times

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