Online House Hunting

Help please i cant make payments on my investment property anymore what should i do? Hello i've lost a lot of money recently and i cant make payments on my ocean property. theres still 600k dollars left on the loan the condo is worth 550k dollars now. does anyone have a solution that can save my credit?

I purchased an "investment" property 2 years ago. I get consistant rent but the mortgage went adjustable. Now my wife and I are in the hole about 400 bucks per month. The loan will go up again in another 6 months. I cannot refi because someone in the neighborhood went into foreclosure and sold for about 100k less than what I paid for the property. How can I get out of this mess, lock the loan rate so it doesnt go up again etc...what is the solution?

What to do about investment properties? I own several rental properties and financed them with the notorious sub prime adjustables. All the interest rates have reset and are now approaching 12% from about 5-6% initially. I have tenants in all (one will leave next month). I am having trouble selling them and cannot refinance. I continue to pay out of my pocket just to be current. What solutions do I have?

Capital Investment Solution is offering me a loan but they are in the UK. Has anyone in SA received any money? I have to pay a certain percentage of the loan amount as a deposit because I am residing in SA and the deposit acts as a non-collateral requirement because I don't have a property to put up as security. Has anyone received any money from them or is this just a scam to get me to pay money over to them? Please urgently let me know what you think.

Is it better to pay off house with funds or invest for retirement? I am planning to retire in about 10-12 years and have a windfall from a stock spilt. What are the advantages and disadvantages from paying down my house loan with the funds from the stock spilt or would it be better to invest the money until retirement to take advantage of writing off interest from my mortgage on my income tax? Would buying an investment property be a better solution?

What are the pros and cons to listing a house for sale the same year I purchased it? I purchased a property in foreclosure at a bargain price this summer. I then had it inspected, repaired and now I have a renter in it. The renter covers the mortgage, but another property that I have had my eye on for years is available right now at a reduced price. If I sold my investment property, I would have enough to attain that house I have always wanted. What are the pros and cons to this transaction? And, are there any alternative solutions? Thanks for your time.

What are my options regarding investment-rental properties? I live in Arizona. I bought 2 investment properties in Ohio. Both have a principle ballance of under $55,000. I pay just under $1,000 each month to the bank. Both properties had tennants in them when i bought them. Now, neither one have anyone in them. The property management company is saying they are working on getting someone else in. I do believe they are doing the best they can given the less than opptumistic economy. I live paycheck to paycheck. The money coming in from both properties gave me what i needed + some reserves. Those reserves have now run out. I will owe $1,000 by the end of this month, and have only $700 left to spend. I need to know every option out there. I realize that the world of real estate / investments / banking... not what i know the most about. Whatever the possibilities are... I NEED TO KNOW!!! Please...give me reliable guidance, along with websites/places to research / people to talk to with solutions... Did i mention how quickly i need an answer? I owe more than i have in only 20 DAYS ! ! !

is Real Estate Funding Solutions in Glendale,AZ a scam? A John R. Tellez sent me an info package on creative real estate strategies and funding sources. Main office is in Pennsylvania 714 746-6862. He saids the mastermind behind these creative strategies is Manny Protopapas, a Real Estate Acquisition Specialist since 1989 help people with credit problems obtain their own homes and investment properties in as little as seven days working with him through his exclusive "Real Estate Acquisition Program". You need no credit, no co-signers, no partners, no loans, no banks, and no red tape and free one-on-one consultation.

Does agencies that Promise to help you rebuild your credit really help? I lost my home and an investment property on foreclosure. Consequently, they canceled my Costco American Express & B of A Visa. I'm going to star rebuilding my credit, and I'm considering hire one of these companies that help you rebuild your credit. American Home Solutions is the name of the agency and is located in Miami Fl. They charge $485 for 6 months . I live in California, so I'm not sure about this. Please help me with this one!! Thank you!!

What to do to avoid the taxes and penalties around loosing a home? In a second (investment) property I learned that once loosing it to the bank or with short sale, not only you loose the property value but also you will have to pay taxes on the mortgage paid that you cannot return. Since the mortgage bank loaned money that cannot be returned now that money is taxable as "profit". Does all those or similar cases have to end up with declaring bankrupcy to avoid all this money burdain or is there another solution?

Has anyone bought Terex Solutions self directed IRA kit $89.00? This company sells a Self Direct IRA LLC kit for $89.00. Most custodial companies that do set up and management charge a lot. I`m talking about self directed IRA accounts that allow you to invest in real estate, actually buy investment property,businesses etc..Any fee back would be appreciated!

what am i going to do to clarify the marriage and the joined property after separation of 14 years? I am still stay single in another state for 14 years. However I found that I still own the property tax of my joined property from the credit report. I asume that course from not pay by my ex-wife as she promised to take care the property for living to instead of selling the property when the time I moved out from that single family house. Now the value of the house is over a half million dollars which make me feel that she still has the abitity to pay high property tax or not? I have being supering in credit since the separation because I had paid too much on the investment and bills for the mentioned property. Now, I wish to start my new life again. I want to make sure everything is right for my future. Please find me a solution. Thank you!

what is portal. how can i make my personal portal. who can help me for this. how can i make my home page/site. i am an indian and want to make a portal which help others for property investment/purchases/sale/mortgage/rent & other property solution in indian. i want to make this type portal how can i make and total investment and formalities for this. how can i regisereted portal name how can it works esally for all because many people uplodded data and picteres on this portal. how portal work in inter-net.

How can I get financing to buy investment properties? I tried to buy houses and was asked for as much as 20% down payment which I dont have. How do I circumvent this requirement? do I try with my company or what? pls help there so many houses and so many renters.... now is the time to buy. Pls only solution no suggestions especially like "wait a lil longer houses will drop even more" well duh? that still does not answer my question. So pls only people who know their finance pls respond not people trying to get points lol... IM SERIOUS!!!!!

Pakistan's "Unsexy economic solutions" read the review and decide am I right or not? ? The "Friends of Pakistan" initiative is quite original in the face of the utter lack of direction the government has demonstrated in dealing with the economic crisis. But are we confident, despite noise from certain "friends" to the contrary, that Pakistan will get financial aid only because we are too important to be allowed to fail? That may be the driver of why others will give aid, but it also explains their reluctance because they are unsure again of our intent to use it responsibly. But, once again after nearly a decade of abeyance, the sexed-up terms of economics have come to life again…stabilization programmes, devaluations, structural adjustments, liquidity, and a host of other terms that seek to try and address the ills of what ails us now. It is needed, but it shall remain woefully inadequate. The truth is, the time for Pakistan now is to use some unsexy solutions, long-term ones. The core of the argument is simple, develop rule of law and economic growth can follow. It doesn't mean you won't have economic troubles (look at Iceland now, great rule of law but in dire trouble), but from where we are now, it will provide a huge jumping start. The economist Daniel Kaufman had worked out what was called the "300 per cent dividend", explained as the 300 per cent rise in income if a country improved governance by one standard deviation according to their calculations. The rule of law engenders trust, a relatively overlooked concept in economics until fairly recently. Trust is the ground beneath your feet in economic activity. Trust can, for example, lower transaction costs if it is in high supply, making the economic engine more efficient. At the same time, trust is a collar of confidence. Look at this way. In countries where there is the rule of law, they help inform social codes and vice versa. By establishing in law what the social contract between citizens is, it helps explain the relationships collectives can have, such as businesses. Whatever the legal situation of a country in terms of its legal origins, if it has consistent application investment flows with greater confidence. The past two years have been extremely bad for Pakistan as far as rule of law is concerned. Musharraf was playing with the political landscape and literally changed the face of the legal system by implementing the NRO. Some financial scandals under the tutelage of Shaukat Aziz began to emerge when it came to the disposition of state property. Then the least trusted man in Pakistan replaced the most hated man. Add to that the subsequent filling of posts in the most sensitive ministries and bureaucratic divisions of those reputed to have plundered the country and one begins to understand how the state is not trusted, especially since the persistent break down in law and order. The government might get us out of the current crisis through stop gap measures, but it will not be enough. Our crisis is not economic, that is just a symptom, but the sore spot is governance. The capital flight we witness today is not just hot money finding its way to better returns, it's simply the fear of the owner of the capital that returns can no longer be projected or estimated. Anjum Niaz recently put it brilliantly when she alluded to the whole economic significance of the lack of trust when she asked both Asif Ali Zardari and Nawaz Sharif (amongst the richest in the country) to put their money where their mouth is by keeping their money in the country and investing here. While Pakistan may need four billion dollars in the short run, what it really needs now is hope it can believe in. While this may sound cheesy, actually it will do more for the economic well being of the country than anything the IMF can throw at us. Right now Pakistan has done an excellent job of demonstrating financial need, but an extremely poor job of showing what it will do with it. For example, where is the austerity of government that was once promised? The seeds of doubt were inadvertently planted long ago when both the PML-N and the PPP would rendezvous in Dubai as their venue of choice. The fact that the PML-N cannot take an in-camera briefing by the army seriously is not indicative of us getting back on our feet. And no matter what happens, if the situation with the Tehrik-e-Taliban is not resolved then no amount of short- or long-term cash infusions for balance of payments will do any good. These are all unsexy solutions to this pressing problem. Sure, none of these will quell inflation which is also contingent on transnational forces, but, as odd as this may sound, it can help reduce inflation. Imagine a situation where everyone starts believing once again in the government, the rush to invest in Dubai will be mitigated and the desire to hold dollars will ebb somewhat. The government, and Asif Ali Zardari can start the process of creating trust that feeds into economic stabilization, enforcing rule of law that guarantees investors

What would you do? You are an assistant property manager in a busy suburban office. Although your duties relate mostly to the daily operation of the rent roll, you are often required to work in other areas, including the front counter. Today is one of those times where your assistance is needed at reception. The office is packed and several people have been waiting for quite some time. People's patience is being stretched and one irritated customer has an appointment with a salesperson who has kept her waiting for 25 minutes. You use all of your interpersonal skills to calm the customer and address her annoyance. Another person in the queue is a landlord who has bought another investment property. He wants this property to be managed by the property manager, your immediate boss. However she is out conducting an inspection. It's all up to you! You step up to the plate again and draw on your communication skills to capably assist the landlord. The day rolls on and the telephone hasn't stopped ringing all morning. It appears that there is no one else prepared to pick it up. You are in the middle of a conversation with a person making a rental enquiry over the counter. You decide to pick up the phone only to find that it is a tenant who is very agitated, telling you that his hot water service, located in the ceiling of the property, has just broken down and is leaking. Undaunted, you take action to assist. Like most of your days, this is a busy one and yet another hour passes when an angry purchaser enters the office wanting to see the manager. You just can't get a break because now the manager is out on a stock run and you're 'it' to handle this. It appears that this purchaser has been negotiating to purchase one of the agency's listings, only to find out that they have been gazumped after spending money on building and pest inspections. This is one unhappy and upset customer and he wants some answers now! Offer solutions as to how you would have handled these situations effectively. Suggest how the situations may have been avoided.

Is foreign aid the solution to global poverty? A 2005 United Nations report called for a doubling of foreign aid to poor countries as the means to reduce poverty. Yet the 2006 Nobel Peace Prize was awarded to a for-profit microloan bank and its founder, an apparent vindication of the ideas of Peter T. Bauer, Henry Hazlitt, Deepak Lal, and others. As Bauer wrote, “Development aid, far from being necessary to rescue poor societies from a vicious circle of poverty, is far more likely to keep them in that state.…Emergence from poverty requires effort, firmly established property rights, and productive investment.

According to housing experts, lenders lose about half the outstanding loan amount if they...? ...pursue foreclosure. Resale values of houses also continue to fall. The answer they've come up with is loan modifications but again they complicate matters by having a maze of rules and exceptions. I believe the only thing which will stem the tide of foreclosures is a complete moratorium on mortgage payments for at least one year--no exceptions. Whether it's a primary residence or investment property should make no diff. What will lenders lose? A year's worth of payments as compared to half the outstanding loan amount or more. The solution has to be drastic not the baby steps bail out currently proposed. Stop the insanity! (Thanks Susan.) What do you think?

Should we move? Should we rent? Should we buy? For the past 2 years my husband and I have lived in a 3rd floor, walk-up apartment with 2 dogs and we now have a 10 month old. We moved in after moving to the south (South Carolina) several years ago, deciding it really wasn't for us and making the decision to move back home (to NJ). My parents had recently purchased an investment property and offered to let us move in to the apt we currently live in. It was a great quick solution. It's a really nice place, vaulted ceilings 2 full baths. Before having our son it was only mildly inconvenient to walk the dogs down stairs and not to have a yard. Now, we are really wishing we had a house with a yard. We miraculously found a very cute place in our price range ($50 more a month). It has a yard, is fenced in and is located next to a farm. The folks who would be our new landlords own the farm and are very sweet grandparent-types that seem to be dream landlords, they even offered to waive the security deposit for us because they really want a nice family in their place, plus they don't care one bit about our dogs, which is rare. Besides having to move all of our things, the only downfalls to the new place are that it needs paint, has one bathroom, doesn't have a dishwasher and the w/d's are older. It's a refurbed older farmhouse, it has all new wiring, hardwood floors (carpeted apt is killing me with the dogs and baby) an energy saving electric water heater and all new insulation. Since we've told my parents that we intend to move out and have found someone to take our place, they have offered now to BUY a house for us to live in. I know, it seems like we are spoiled here but it's not all it's cracked up to be, I think it makes us reliant on them. They say that they will buy a house that we can purchase from them in the future or, if we want to move out they will just rent it. Of course it is very tempting bc I'm pretty sure my husband and I won't be ready to buy a house financially for several years, but we haven't really pursued it. We are also undecided as to whether we want to stay in this area. Though it can get messy with my parents so involved, I know, I sometimes think it is a luxury that some people would love to have so I wonder, "am I looking a gift horse in the mouth?" Should I just jump on the offer? Finally there is the issue of timing, I don't know how much I can take another winter in this apartment and pretty soon my son will be walking and I worry about the stairs. The new place is ready to go and buying a home with my parents may take months or it may take a year. We are having such a tough time with this decision so I hope someone can offer some advice or info that we haven't thought of to help us decide bc time is ticking. Thank you.

According To Housing Experts, Lenders Lose About Half The Outstanding Loan Amount If They Pursue For...? values of houses also continue to fall. The answer they've come up with is loan modifications but again they complicate matters by having a maze of rules and exceptions.I believe the only thing which will stem the tide of foreclosures is a complete moratorium on mortgage payments for at least one year--no exceptions. Whether it's a primary residence or investment property should make no diff.What will lenders lose? A year's worth of payments as compared to half the outstanding loan amount or more.The solution has to be drastic not the baby steps bail out currently proposed.Stop the insanity! (Thanks Susan.)What do you think?

I want to buy a place in Buffalo NY...? How do I get 100% financing? It'd be my first house purchase but I'm living in another state and I want to rent it out. Can anyone who's done that help? I don't want to put a down payment. I'm having trouble finding a place that will do mortgages in my purchase range ($15000 to $25000) for investment properties. Ideally I'd like to get two properties but if it's easier to get just one I'll do it that way. My ideal solution would be as follow. - 100% financing = $0 down - Closing cost included in mortgage (but not a must) - 15 years fixed Can anyone help? Thank you.

How/Where can I effectively find listings on million dollar income properties across the States? I am a absentee real estate investor interested in investing income properties in the states, in the range of $3-$10 millions. Since I am flexible on the location of the investment properties, and regional deal flow is minimal. Is there a solution where I could get my hands on sufficient deals/listings, so I could make prelimary decision/offer before I fly over to do the due diligence. Moreover, any method/clubs where brokers to contact me if they have listings of my interest. I am interested in positive cash flow (deducting management fees) properties, in or close to big cities. Residental and properties with improvement potentials are big plus. I am quite flexible on partnerships, investment size and ideas. Welcome comments apartment buildings and potential improvement are a plus.

Do you agree? The days of a home being the one investment you can always count on over? This was my response to another question, but I want to get your input. Your close, but actually homes were extremely over valued. The big house with a red front door and white picket fence was a 20th Century dream that is quickly diminishing. The days of old patriarchs standing around the back of a Chevy saying, "yep, property value will always increase because they aren't making any more of it" are just about over. Because so many people in the 90's were eligible to purchase homes, it drove the prices up even faster than the population demand called for. As Europeans have known for decades if not centuries, homes are large, expensive heat, cool, maintain, water, and so on. They are like big SUV's that use a lot of gas to take one person to work. There are so many households with 3 or less people living in a framed, free standing house that are stuck in an unpleasant cycle of over spending that the demand for houses is rapidly decreasing. Therefore, since the demand for normal homes is decreasing the values of homes will decrease. As transportation becomes more expensive you'll see a trend of suburb homes becoming a lower-income multi family solution and business single family commuters moving more into city apartments, condos, and townhouses. Suburban neighborhood homes will continue to decrease in value as crime and traffic increase. It's a sign of the times. Eventually, we'll be more like Europe, living in more efficient homes with more public transportation. What a shame for most American families that spend a whole one of their two paychecks in a month on a mortgage payment. They're slaves of the economy for the next 30 years.

Just thinking outside of the box here: What about a homeowner bailout? Here's what I propose: Have the government bailout the mortgage companies by purchasing their bad debt at a 20% discount and then re-negotiate the loans with the consumer to pay the balance a 0% interest over 50 years with no early payment penalty? If the consumer defaults payments on that generous deal, the government takes possession of the property and sells the property on the open market. That way, the banks get liquidity and their costs decrease in that they don't have to waste money sending default notices, etc., the homeowner is happy because they get to stay in the house and actually might be able to afford the house which they were erroneously advise they could afford by realtors when they couldn't. The government is happy because they'd be receiving cash when normally, typical government spending is even less profitable (look at the price paid by governments for toilet seats). Quite possibly, the only unhappy people would be attorney's because no one would be able to afford one. I'm all for keeping attorneys being miserable. Would you buy this investment? What other solutions might there be given that declaring random wars on countries doesn't seem to have work in USA's current political administration?

Can anybody help with algebra problems? Solve equations by the sq root property, if possible simplify radicals or rationalize denominators. Express imaginary solutions in the form a+bi 4x squared = 49 4x squared+ 49= 0 (x+3)squared =64 The last two problems says use the compound interest formula A=P(1+r) t In 2 years an investment of 2000 grows to 2420. In 2 years an investment of 80,000 grows to 101,250.

Oh my God, George Soros the man responsible for the coming New World Order owns all these companies!!? MAP Pharmaceuticals Inc. Savient Pharmaceuticals Inc Petroleo Brasileiro S.A.Petrobras Baidu.com Inc. ADS NII Holdings Inc China Mobile Ltd. NAVIOS MARITIME PTN FIRST SOLAR, INC. Mechel OAO, Broadcom Corp. ENERGYSOLUTIONS INC MKT VCTR RUSSIA SBI iShares MSCI Japan United Therapeutics Corp. BPZ RESOURCES, INC Pall Corp. United Parcel Service, Inc Western Digital Corp. MasterCard Inc. Net 1 UEPS Technologies Inc. MSC Software Corp. The GEO Group Inc. Banro Corp. Nalco Holding Company Support.com Inc. NCR Corp. SOLARFUN POWER HOLDINGS CO. LTD. Convergys Corp. CB Richard Ellis Group Inc. LandAmerica Financial Group Inc. Valassis Communications Inc. Logitech International S.A. InterDigital Inc. FedEx Corp. Shire plc Nabors Industries Ltd. ACI Worldwide Inc. Pantry Inc. ADC Telecommunications Inc. MercadoLibre Inc. Greenlight Capital Re Ltd. Exelon Corp. GemstarTV Guide International Inc. WalMart Stores Inc. Payless ShoeSource Inc. HewlettPackard Company CEC Entertainment Inc. YINGLI GRN ENGY ADR, IAMGOLD Corp. Idearc Inc. FPL Group Inc. Altria Group Inc. Goldman Sachs Group Inc. MeadWestvaco Corp. Flextronics International Ltd. The Walt Disney Company Disney C.H. Robinson Worldwide Inc. Comcast Corp. Dominion Resources Inc. Wells Fargo & Company Expeditors International of Washington I Advanced Micro Devices Inc. UnitedHealth Group Inc. The Bank of New York Mellon Corp. PPL Corp. Weyerhaeuser Company Rockwood Holdings Inc. RPM International Inc. The Gap Inc. U.S. Bancorp Best Buy Co. Inc. ASCENT SOLAR TECHNOLOGIES, INC. PepsiCo Inc. The Valspar Corp. NVR Inc The New York Times Company Marvel Entertainment Inc. Constellation Energy Group Inc. INTELLON CORPORATION Simon Property Group Inc. Chemtura Corp. Select Comfort Corp. Entergy Corp. EMC Corp. Walgreen Company Wendy's International Inc. OM Group Inc. State Street Corp. STEWART ENTERPRISES, INC. Westlake Chemical Corp. Worthington Industries Inc. Questar Corp. Quanex Corp. Stillwater Mining Company Sensient Technologies Corp. The Boston Beer Company Inc. Titan International Inc. RockTenn Company Universal American Financial Corp. Scholastic Corp. Sinclair Broadcast Group Inc. Public Storage Inc. Under Armour Inc. TiVo Inc. The Southern Company ProLogis Tech Data Corp. Vornado Realty Trust Abbott Laboratories CalMaine Foods Inc. Cabot Corp. Community Health Systems Inc. Cytec Industries Inc. DIRECTV Group Inc. Duke Energy Corp. Brinker International Inc. eHealth Inc. Equity Residential Entravision Communications Corp. H.B. Fuller Company General Growth Properties Inc Cascade Corp. Boston Properties Inc. American Equity Investment Life Holding AES Corp. Aetna Inc. Applied Materials Inc. American Oriental Bioengineering Inc. APP PHARMACEUTICALS INC Arbitron Inc. Arris Group Inc Ashland Inc. Allegheny Energy Inc. Sotheby's Bemis Company Inc. Corning Inc. Getty Images Inc. Lifeway Foods Inc. ABITIBIBOWATER INC Lowe's Companies Inc. Medarex Inc. AMIS Holdings Inc. Ladish Co. Inc. Merck & Co. Inc. Infinity Property and Casualty Corp. Integrated Device Technology Inc. Live Nation Inc. HarteHanks Inc. The McClatchy Company LouisianaPacific Corp. Host Hotels & Resorts Inc. Minerals Technologies Inc. HLTH Corp. MasTec Inc. Palm Inc. Novell Inc. Whole Foods Market Inc. OPNEXT INC. Micrel Inc. LIMELIGHT NETWORKS INC., SPANSION INC. SonicWALL Inc. Secure Computing Corp. Health Management Associates Inc. Skyworks Solutions Inc. Sybase Inc. KEMET Corp. CarMax Inc. Compuware Corp. RealNetworks Inc. TriQuint Semiconductor Inc. Google Inc. Intel Corp. Schlumberger Ltd. Nippon Telegraph and Telephone Corp. QUALCOMM Inc. Banco Ita Holding Financeira S.A. Research in Motion Ltd. CVS Caremark Corp. Lockheed Martin Corp. Honeywell International Inc. Caterpillar Inc. Emerson Electric Co. Alcan Inc. Colgate Palmolive Company Unibanco Unio de Bancos Brasileiros S.A. Deere & Company General Dynamics Corp. Union Pacific Corp. Halliburton Company ICICI Bank Ltd. AT&T Illinois Tool Works Inc. Archer Daniels Midland Company Raytheon Company Goldcorp Inc. Carnival Corp. Alltel Corp. Danaher Corp. Harrah's Entertainment Inc. LG.Philips LCD Co. Ltd. Garmin Ltd. Peabody Energy Corp. Liberty Media Corp. Capital Common Serie Starbucks Corp. Safeway Inc. Wynn Resorts Ltd. Marriott International Inc. International Game Technology Lyondell Chemical Company CA Inc. Coach Inc. Macy's Inc. McDermott International Inc. Fortune Brands Inc. Rohm and Haas Company Liberty Media Corp. Interactive Common S, Autodesk Inc. Quest Diagnostics Inc. J.C. Penney Company Inc. Starwood Hotels & Resorts Worldwide Inc. Bed Bath & Beyond Inc. Royal Caribbean Cruises Ltd. VF Corp., Nordstrom Inc. Network Appliance Inc. United Microelectronics Corp. NAVTEQ Corp. AutoZo These companies are all owned by one person George Soros who i don't think should even be called a human since he turned in his own people during WWII and is considered responsible for the coming N.W.O. Now i didn't believe all that hype at first but after seeing that one person owns all these companies, i think it's time to prepare for the inevitable. No these are companies he OWNS not shares I never said Jews control the world you idiot, all i'm saying is that one man owns all these companies, the guy who Sponsored Agenda 21 if you don't know agenda 21 look it up its a U.N. plan for sustainable human development which actually doesn't promote that at all, but is a guideline as to where we'll be living, how we'll be living, how we'll be travelling and what we'll be eating. Look up Codex Alimentarius, its food standards which make nutrients illegal it was implemented in the USA on Dec. 31, 2009 so it's already happening. It's time to wake up people and realize that nobody cares about other people anymore its all about the money. I found this all through resarch go do some resarch yourself for once instead of being a close minded ho

A good online payment solution in India (not happy with ccAvenue)? Hello, my Internet company applied for an online merchant account with www.ccAvenue.com…. We are a respectable site with lots of investment, and a history of success, however we were rejected by ccAvenue for reasons which were not clearly explained. (The rejection occured within 10 minutes of applying, so probably something we said in the application. They clearly did not do a detailed analysis of our company and web property). Can you please recommend an alternative to ccAvenue. We are a big website, and growing very fast. We want to allow as many payment options as possible on our site, particularly for Indian customers, as well as USA customers. We currently have a payment system through a non-Indian merchant account, but want to use a good, reliable India-based solution which offers full range of online payment solutions. Thank you for your help!

Industrial Land/ Agriculture land sales for Tirunelveli,South Tamil Nadu? BRIGHT FOUNDATIONS (INDIA) PVT. LIMITED, TUTICORIN. *We are the leading land promoters in South Tamilnadu. Since 1975. * *we are dealing with buying and selling activities with honesty . ***We are giving legal as well as technical advices for land promotions, property developments and Investments. **** We are giving valuable advices, and solutions to clear the land disputes and litigations in and around Tamilnadu. Contact : Er : P.M. MURUGESAN Managing Director Cell : 09487120701 S. SIVAKUMAR (Associates) Cell : 09444402971

Industrial Land Sales for Tirunelveli,South Tamil Nadu? BRIGHT FOUNDATIONS (INDIA) PVT. LIMITED, TUTICORIN. *We are the leading land promoters in South Tamilnadu. Since 1975. * *we are dealing with buying and selling activities with honesty . ***We are giving legal as well as technical advices for land promotions, property developments and Investments. **** We are giving valuable advices, and solutions to clear the land disputes and litigations in and around Tamilnadu. Contact : Er : P.M. MURUGESAN Managing Director Cell : 09487120701 S. SIVAKUMAR (Associates) Cell : 09444402971

help A good online payment solution in India (not happy with ccAvenue)? Hello, my Internet company applied for an online merchant account with www.ccAvenue.com…. We are a respectable site with lots of investment, and a history of success, however we were rejected by ccAvenue for reasons which were not clearly explained. (The rejection occured within 10 minutes of applying, so probably something we said in the application. They clearly did not do a detailed analysis of our company and web property). Can you please recommend an alternative to ccAvenue. We are a big website, and growing very fast. We want to allow as many payment options as possible on our site, particularly for Indian customers, as well as USA customers. We currently have a payment system through a non-Indian merchant account, but want to use a good, reliable India-based solution which offers full range of online payment solutions. Thank you for your help!

Can the HDB and landed properties in Singapore be pegged at a standard rate? I have been observing the HDB and landed properties' price in Singapore escalating at an alarming rate. All this happens due to several factors involving buyers and agents speculating in it, buying and immediately flipping their investment through the loopholes in the option to purchase policy. There are already so many people who encounter problems buying a property to stay. Yet these speculators are using their wealth to take advantage of the property market to buy and resell it, not for the purpose of staying, but to make a quick profit. Can't the government put a stop to all this speculations by putting in place a policy for speculators who own multiple properties without staying to pay extra taxes and have a policy that any purchased properties cannot be resell at a certain time frame? We need to solve this problem as the prices are not in anyway becoming constant, but is escalating at a rate that is almost beyond control. By commissioning a council to control the property agents will not do much. Is there any one out there who can offer better solutions to solve this problem?

Who believes that thier is a showdow government who really runs everything? The powerful conspirators are made up largely of the international bankers, and the Illuminati, which is a super-rich organization, which controls the mainstream media, workforce, education system, companies, banks, energy supplies and governments. They are controlled by the richest people in the world such as the super-rich Rothschild and Rockefeller families. They also hide behind many organizations such as the United Nations, the WTO and the Council on Foreign relations. There is also a Jesuit-Vatican connection, planning the merging of many faiths into the apostate one world church which will serve Satan. The New Age movements are also part of the plan. To gain full control of the world's money would mean full control over everyone, especially those in debt. This is exactly what the international bankers conspiracy is doing. Every government is in debt to them. This debt is increasing. Personal debt is very widespread and increasing. Hence almost everyone is in debt. Wasteful spending, borrowing and debt are encouraged. Therefore people and governments are becoming increasingly in the bankers control, as they have to pay interest, which the bankers can manipulate to their will. Governments are forced to sell assets, lose sovereignty, and place citizens in poverty to repay their debt. The conspirators are privatising, buying and controlling government assets.The conspirators bribe governments with political donations.They gain ownership of land through world heritage, which is then miss-managed and restricted. Things that prove a trend towards a one world government include; a rising amount of globalization, free trade, privatization, foreign investment, mergers, international organizations, debt, international problems that need an international solution and peace agreements that give false security. The Hidden Power article (14.5) has very strong proof of this and the following 12 points. Please judge for yourself about what the report says. I have briefly summarized what it says below but there is much more. It is worth spending a few days to read it. It claims all the recent wars over about the last 200 years were deliberately caused by the international bankers and people trying to control the world. The article states the wars were deliberately funded and agitated by hate propaganda through the conspirators' media. Boom and bust cycles along with the depressions, stock market crashes and wars are deliberately caused to cause people to lose money to the conspirators. They also weaken the people and tame governments into accepting the conspirators' solutions. The history books controlled by the conspiracy do not tell the full truth on why many events happen. For example the conspirators blame slavery for the American civil war but the real reason was to establish a central bank in the USA and to force a war to enable them to lend money at interest. The war caused a need for the North to borrow money and the bankers bribed congress that a central bank was needed for this and also threatened congress and senators. The North won and the bank was established. The conspirators bribed members of the government by paying them and having them work for the bank. Intense deceptive media publicity convinced the public and politicians of the benefit of the Federal Reserve Act. It was done in ways such as by lying and saying that the banks will reduce boom and bust cycles. The Federal Reserve Act was passed near Christmas when few people were present to vote against it. Hitler was funded by the USA and Britain to create a bigger war. The U.S. government controlled by the bankers conspiracy, wanted Hitler to invade America but he declined due to the risk of the number of Americans with guns. The U.S. government also encouraged Japan to invade Pearl harbour to get America into the war. The bankers funded Arab and Japanese companies to buy up property around the world so the bankers could gain more control of it. Manipulation of agriculture has and will be used to force the population to accept the conspirators' demands such as having to surrender guns to get food. The U.S deliberately tried to lose the Korean and Vietnam War so the communists would remain with territory. The war was to make it acceptable to fight under NATO and UN command. Although involved with the conspiracy since his initial rise to power, President Kennedy was killed by an agent of the conspiracy for wanting to pull out of Vietnam and printing silver currency. Many countries now with conflicts had peace until the influence of International Bankers Conspiracy. The collapse of the Soviet Union was a hoax to fool the world into a false sense of security and also to slowly cause the world to accept communism. The bankers funded the Soviet Union to create an arms race, which cost time and money. Also it caused the nations to gladly surrender their arms in the name of peace so that the goal

can I modify my mortgage loan to reduce the principle balance? The answer the person got regarding the above question (his house dropped in value from $600K to $400K so he wanted to get a reduction of $200k from his mortgage Co.) was flawed and this is the reason why. The person who answered the question more or less said the guy had made a bad investment which is not true. And, the car analogy is not relevant. Property values have taken a huge hit because of the government deception that took place with Fannie Mae and Freddie Mac. There are thousands of us who bought our homes based on the value at the time and the Bank's appraisal that said the value was there. We have all been making our payments on homes that are not worth what we owe on them and we cannot sell them. So give some REAL solutions-not a pity party for the banks.

Homework Tax questions? I am doing two problems for my tax class homework and believe I have come to the correct solutions but want to make sure before he goes over it in class. The 2 questions are as follows Robert had the following transactions for 2009 Salary 80,000 Alimony Paid 6,000 Recovery from Car Accident Person Injury Damages 60,000 Punitive Damages 30,000 Gift From Parents 26,000 Property Sales Loss on sale of personal use camper 2000 Gain on sale of Chevron Stock (held for 8 months as an investment) 3000 What is Roberts AGI? I got 107,000 Homer (Age 68) and his wife Jean (age 70) file a joint return. They furnish all of the support for Luther, Homer's Father (age 90) who lives with them. In 2009 they received $6,000 of interest income on city of chicago bonds and interest income on corporate bonds of 48,000. Computer homer and jean's taxable income for 09? I ended up with 33,950. I did I didn't add the chicago bonds because they are city issued bonds but took the married standard deduction and added 3 additional deductions for each of their ages, ended up doing it this way $48,000 Interest from Corporate Bonds $(10,900) Standard Deduction $(3,150) Additional Standard Deduction $33,950 Taxable Income And ps everyone I did do it I just want to make sure I did everything correctly hints how I got the answer, you couldn't get the answer without doing it.

Please i really need help with this accounting question i dont know where to begin??????????????!!!!!!!!!!!!? The comparative financial statements of Optical Solutions Inc. are as follows. The market price of Optical Solutions Inc. common stock was $60.00 on December 31, 2010. Optical Solutions Inc. Comparative Retained Earnings Statement For the Years Ended December 31, 2010 and 2009 2010 2009 Retained earnings, January 1 $ 604,000 $306,000 Add net income for year 428,000 314,000 Total $1,032,000 $620,000 Deduct dividends: On preferred stock $ 4,000 $ 4,000 On common stock 12,000 12,000 Total $ 16,000 $ 16,000 Retained earnings, December 31 $1,016,000 $604,000 Optical Solutions Inc. Comparative Income Statement For the Years Ended December 31, 2010 and 2009 2010 2009 Sales $1,608,000 $1,481,600 Sales returns and allowances 5,920 6,000 Net sales $1,602,080 $1,475,600 Cost of goods sold 480,200 499,200 Gross profit $1,121,880 $ 976,400 Selling expenses $ 324,000 $ 352,000 Administrative expenses 234,000 211,200 Total operating expenses $ 558,000 $ 563,200 Income from operations $ 563,880 $ 413,200 Other income 24,000 19,200 $ 587,880 $ 432,400 Other expense (interest) 110,720 80,000 Income before income tax $ 477,160 $ 352,400 Income tax expense 49,160 38,400 Net income $ 428,000 $ 314,000 Dec. 31, 2010 Dec. 31, 2009 Assets Current assets: Cash $ 240,000 $ 162,400 Temporary investments 364,000 328,800 Accounts receivable (net) 260,000 211,200 Inventories 208,000 66,400 Prepaid expenses 44,000 23,200 Total current assets $1,116,000 $ 792,000 Long-term investments 204,800 256,000 Property, plant, and equipment (net). 1,539,200 976,000 Total assets. $2,860,000 $2,024,000 Liabilities Current liabilities $ 360,000 $ 320,000 Long-term liabilities: Mortgage note payable, 8%, due 2015 $ 384,000 Bonds payable, 10%, due 2019 800,000 $ 800,000 Total long-term liabilities $1,184,000 $ 800,000 Total liabilities. $1,544,000 $1,120,000 Stockholders Equity Preferred $2.00 stock, $50 par $ 100,000 $ 100,000 Common stock, $5 par 200,000 200,000 Retained earnings 1,016,000 604,000 Total stockholders equity $1,316,000 $ 904,000 Total liabilities and stockholders equity. $2,860,000 $2,024,000 Instructions Determine the following measures for 2010, rounding to one decimal place: 1. Working capital 2. Current ratio 3. Quick ratio 4. Accounts receivable turnover 5. Number of days sales in receivables 6. Inventory turnover 7. Number of days sales in inventory 8. Ratio of fixed assets to long-term liabilities 9. Ratio of liabilities to stockholders equity 10. Number of times interest charges earned 11. Number of times preferred dividends earned 12. Ratio of net sales to assets 13. Rate earned on total assets 14. Rate earned on stockholders equity 15. Rate earned on common stockholders equity 16. Earnings per share on common stock 17. Price-earnings ratio 18. Dividends per share of common stock 19. Dividend yield"

What are some of the "Challenges/problems" that can present themselves with this solution? Refinance commercial property Jim and Suzanne had purchased a property in their old neighborhood because they knew of the need for low income housing for the area. They purchased the property for $500,000, and spent $ 300,000 and two years of their lives renovating the property. They are renting it at capacity now. The property has gross rents of $300,000 per year, and net operating income of $180,000 per year. Jim is a very experienced real estate investor, and he knew that his best chance for him to recoup his capital investment was to approach the banks after the property was "proving" itself. He approached the banks with the following scenario: Loan Request $ 800,000 Net Operating Income $ 180,000 Estimated Value (based on what Jim considered very conservative 9% CAP rate) $ 2,000,000 Projected Rate 7.5% Projected Term 240 months Estimated Payment $ 6,404.71 or $ 76,856.60 per year Debt Service Coverage 2.34 In normal lending environments this is a very conservative and safe loan of 40% loan to value. However, right from the start, he ran into obstacles. The lenders were not happy that the property was a former hotel, converted into an apartment building with only studio units. The loan was also small, which cut down the number of potential lenders to the local lenders. However, the local lenders do not like to lend to clients who are out of state, and therefore unlikely to have much of a banking relationship. Basically, their choice was narrowed down to a private money lender at a rate of 11.5% and 5 points, and at least 30 to 60 days to close. Their loan was also decreased to $500,000. After closing costs their net cash would have been $ 465,000, and their payment would have been $ 5,785.50 per month and the loan would be due in 5 years, at which time they would have to refinance the remaining balance of $ 415,443. Loan Solution Jim and Suzanne opened an account with Goldman Sachs under the Kinetic JBO agreement. They had approximately $ 1,200,000 in securities. Kinetic then placed their insurance instruments on the account and were able to provide a credit facility of $800,000 at 2.5%. The loan has no cost, and was closed within a week. Jim and Suzanne plan to pay this account down at the same pace the real estate loan required through the cash flow of the property. At that pace the loan will be paid off in 12 years. Meanwhile, the assets they pledged will stay on track for their investment strategy. In the meantime, if commercial real estate lending does improve, they can pay the line down at anytime with no prepayment penalties, and still have the amount available if they wish. Over the next 60 months not only will they save over $250,000 in interest, they will also have the additional $300,000 cash with which to invest in other projects.

help name? for company looking to sell 'chalet's on your own land in France for either hols or permanent use The chalets are really high quality mobile homes from a UK manufacturer which are clad in either wood or creppy and then tiled to give them a more usual permanent home look. The customer purchases the home from the UK and the land from a French agent all for around £100,000. For this they get a fully furnished home in France on their own land which in the UK would cost them around three times as much! It could be a solution for first time buyers keen to leave the UK for a cheaper better life in France? or anyone keen to buy in France for a very cost effective holiday home. Once clad and on site they are regarded as normal property and therefore are an investment.

Could someone help me with these analogies? I am having some trouble with these analogies. Could someone help me out? 1. Deplorable : acceptable a. miserable : wretched b. comfortable : pleasant c. depressed : cheerless d. intolerable : bearable e. reasonable : just 2. Agent : Actor a. Proprietor : property b. lawyer : client c. banker : investment d. employee : employer e. psychiatrist : doctor 3. Index : Book a. Suit : tailer b. lawyer : client c. solution : detective d. card catalog : library e. map : graph 4. Salinity : salt a. afterthought : impulse b. thinking : action c. gold : silver d. chemist : chemistry e. insanity : insane 5. Peerless : Ordinary a. incredible : remarkable b. routine : mediocre c. moist : wet d. uncommon : common e. faultless : flawless Thank you for any help

Can anybody give me the solution? At the beginning of 2004 Tony Pasto bought a restaurant called The Pasta Bowl, which served Italian and Mediterranean style food. Since then Tony has had a major efficiency drive to reduce costs. Tony does not pay himself a salary, but lives on the dividends that the company pays him twice each year. In an attempt to improve the profitability of the restaurant Tony undertook a major upgrade of the dining area of the restaurant and had it painted and installed new chairs and tables in 2006. Once the upgrade was complete and the restaurant looked like an authentic Italian Café Tony realised that the trend in restaurants was shifting toward South East Asian food as customers were getting tired of pasta and pizza. At the end of 2006 Tony was offered $70,000 to sell the restaurant. Tony has come to you for advice on whether to keep the restaurant or to sell it and invest the money elsewhere. Additional Information: *The share capital represents 10,000 shares. The shares of The Pasta Bowl are not listed on the stock exchange as it is a private company and all of the shares are owned by Tony Pasto. The offer price for the company can be used to determine an estimate of the market value of the shares in 2006 only. *Of the operating expenses, selling and administrative expenses account for the following: 2006: $517,5002005: $505,0002004: $493,000 The remainder of the operating expense is financial. The financial expense is wholly comprised of interest. *For the purpose of this assignment ignore the taxation implications of Tony's investment. REQUIRED: 1.Using the financial data provided, prepare a report to Tony Pasto which analyses the profitability, liquidity and solvency of The Pasta Bowl Pty Ltd. (maximum length 1000 words). 2.As part of your report present a recommendation based upon your analysis as to whether you believe Tony Pasto should keep or sell the restaurant (maximum length 250 words - this is additional to the 1000 words of the main body of the report). To put your recommendation in context, where appropriate you should point out limitations of the data provided and their impact upon your subsequent conclusion. 3.Calculate any ratios and perform any other appropriate data manipulation needed to provide a sound empirical basis to your report (not part of the word limit, include these as an appendix to the report). The Pasta Bowl Pty Ltd. Comparative Income Statement for the years ended 31 December 2006, 2005 and 2004. (in thousands of $'s) 200620052004 Net Sales1,052986942 Cost Of Goods Sold 410404405 Gross Profit642582537 Operating Expenses 520508495 Operating Profit before Tax1227442 Income tax expense 49 30 17 Operating Profit after Tax$ 73$ 44$ 25 The Pasta Bowl Pty Ltd. Comparative Balance Sheet as at 31 December 2006, 2005 and 2004 (in thousands of $'s) 200620052004 Assets: Cash at Bank30135136 Accounts Receivable (net)121411 Inventory282931 Prepaid Expenses865 Property, Plant and Equipment (net) 199 97 99 Total Assets$277$281$282 Liabilities: Current Liabilities536066 Non-Current Liabilities303030 Total Liabilities 83 90 96 NET ASSETS$194$191$186 Shareholders' Equity: Share Capital100100100 Retained Profits 94 91 86 $194$191$186 Restaurant Industry Averages Gross profit margin41% Operating profit before tax margin8% Owners equity64% Asset turnover3.37 Days stock on hand26

Macroeconomics question pls help! Need answer asap? GIVEN: changes in private inventory = 49.7 construction of bldgs = 205.7 corporate profits = 746.5 depreciation = 763.4 durable goods expenditure = 134.4 expenditure on services = 593.9 exports of non-factor services = 12.3 imports of non-factor services = 56.8 interests = 100.8 investments in breeding stocks, orchard development = 88.5 merchandise exports = 364.9 merchandise imports = 544.7 national defense spending = 400.3 non-durable goods expenditure = 756.2 procurement of durable equipment = 135.5 production taxes = 156.9 proprietors incomes = 250.7 public education expenditures = 98.3 public health expenditures = 74.8 public infrastructure spending = 678.9 rents = 123.7 salaries of professional workers = 412.3 transfer payments = 322.6 wages of government employees = 200.6 wages of non-government employees = 437.6 COMPUTE FOR THE FF: a. personal consumption expenditure b. government expenditure c. investment and capital formation d. net exports e. compensation f. property income g. compute GDP using expenditure and income approach h. compute net domestic product Please show solution in detail. If possible, please add notes and explanations. Thank you very much!

don't bother thank youuu? Payback analysis determines how long it takes an information system to pay for itself through reduced costs and increased benefits. physical design The physical design of an information system is a plan for the actual implementation of the system. prototype A prototype is an early, rapidly constructed working version of the proposed information system. prototyping The method by which a prototype is developed. It involves a repetitive sequence of analysis, design, modeling, and testing. It is a common technique that can be used to design anything from a new home to a computer network. read-only properties Elements of an application that can configured so users can view, but not change the data. report generator A report generator, also called a report writer, is a tool for designing formatted reports rapidly. request for proposal (RFP) A request for proposal (RFP) is a written list of features and specifications given to prospective vendors before a specific product or package has been selected. request for quotation (RFQ) A request for quotation (RFQ) is used to obtain a price quotation or bid on a specific product or package. return on investment (ROI) A percentage rate that measures profitability by comparing the total net benefits (the return) received from a project to the total costs (the investment) of the project. ROI = (total benefits - total costs) / total costs. screen generators A screen generator is a component of some user applications that allows users to design their own data entry forms and reports. service-oriented architecture (SOA)Service-oriented architecture (SOA) is an architectural style whose goal is to achieve loose coupling among interacting software objects that can provide services. service provider A firm that offers outsourcing solutions. Two popular outsourcing options involve application service providers and firms that offer Internet business services. Software as a Service (SaaS) Software as a Service (SaaS) is redefining the way that companies develop and deploy their information systems. SaaS is a model of software delivery that cuts across all market segments, including homes and business of all sizes. Software and Information Industry Association (SIIA) An industry group that focuses on the digital economy. The SIIA believes that the concept of software as a service is redefining the way that companies develop and deploy their information systems. software license A software license gives users the right to use the software under certain terms and conditions. software package Software that is purchased or leased from another firm. software requirements specification A software requirements specification, or system requirements document, contains the requirements for the new system, describes the alternatives that were considered, and makes a specific recommendation to management. It is the end product of the systems analysis phase. software vendors Companies that develop software for sale. subscription model A service model that charges a variable fee for an application based on the number of users or workstations that have access to the application. system prototyping System prototyping produces a full-featured, working model of the information system being developed. system requirements document A system requirements document, or software requirements specification, contains the requirements for the new system, describes the alternatives that were considered, and makes a specific recommendation to management. It is the end product of the systems analysis phase. systems design The goal of systems design is to build a system that is effective, reliable, and maintainable. throwaway prototyping Prototyping of user requirements, after which the prototype is discarded and implementation continues. Also called design prototyping. transaction model A service model that charges a variable fee for an application based on the volume of transactions or operations performed by the application. Also called a usage model. usage model A service model that charges a variable fee for an application based on the volume of transactions or operations performed by the application. Also called a transaction model. user application User applications utilize standard business software, such as Microsoft Office 2003, that has been configured in a specific manner to enhance user productivity. A user interface includes screens, commands, controls, and features that enable users to interact more effectively with an application. value-added reseller (VAR) A firm that enhances a commercial package by adding custom features and configuring it for a particular industry. vertical application A software package that has been developed to handle information requirements for a specific type of business. WebSphere IBM's Web-based development environment. Web services are Web-based modular applications that can perform functions that can be q

Is buying a home a 'scam perpetrated by corporations'? According to this Yahoo article: "Altucher says the notion of buying a home being a ticket to financial security is a "scam" perpetrated on the American people by corporations seeking to keep us in debt, less mobile and with the storage to purchase all sorts of needless consumer goods. Rather than concentrating so much of your wealth in a potentially illiquid asset, Altucher says most of us would be better of renting." I agree with this article that owning a home has many downsides and hidden costs but I think the author's conclusion is all wrong. The solution is not for all of us to become renters. The solution should be: don't be a slave to your mortgage. Don't throw all your money into a house with a big mortgage payment, high property taxes, high insurance premiums, and high maintenance costs. Live within your means. A big house is nice but a big mortgage that leaves you with nothing at the end of the month is not. After the novelty of buying your house wears off, you will still be stuck with the mortgage. His solution that we should all rent is ludicrous. We can't all be renters. And we do pay these hidden costs as renters in the form of higher rent. And there is something to be said for controlling the space where you live, deciding who gets to live next to you, and doing what you please with your property. As a renter, you have little control over such things. Buying a house is more than just a financial investment. It's an emotional one. You can't put a price on things like clean air, lots of living space, good neighbors, pride of ownership, big backyards, a good place to raise kids, etc. Simply looking at it as a profit-loss statement is misguided. I have a low mortgage payment, low taxes, low insurance premiums, low maintenance costs while still enjoying plenty of space out in the country. It's because I did my homework and made some tradeoffs, not because I rent. http://finance.yahoo.com/tech-ticker/home-economics-the-hidden-costs-of-the-%27american-dream%27-409285.html?tickers=REZ,IYR,XHB,HD,LOW,DHI,PHM

Math Help!!! 10 Points!?!?!? 1)The simple interest formula I=prt gives the interest earned on an investment of p dollars at interest rate r for a time of t years. How much does Yusuf need to invest at a rate of 6% in order to earn $150 interest in 5 years? $60 $600 $500 $5,000 2)Which Property of Equality would be best to use first to solve the equation 15k + 12 = -36 for k? Addition Property of Equality Subtraction Property of Equality Multiplication Property of Equality Division Property of Equality 3)Solve the inequality 2/5z < -3 z < -5/6 z < -7 1/2 z < -3/5 z < -5/6 4)Which inequality has the solution z > 2? -1 > z + 3 2 + z > 0 z + 4 > 6 z - 3 < -1

I badly need help, I am totally struck financially? I have a residential property with a good big house of 2000sq ft built area and 6 sites adjacent to it all around 45 cents and present worth of 80-90 lakhs. I am a Graphic designer and was managing all these years making a living out of it. Now the business is zero and I am not able to switch on to any other business which needs investment. I approached few banks but they ask me to produce bank statement for the last 6 months and IT returns. I have never kept up all these things correctly. I have not filed my returns for the past 2 years, nor I have any income proof to show to avail any loan against my property. I don't know how to get finance assistance from banks even though I have my own property worth 90 lakhs. I am 45yrs old with a wife and 2 children studying in School. Can anyone help me suggest some solution please.

Is this a real estate scam? me and my husband are currently current on our loan but are unable to make our house "sellable" for anyone to get a mortgage and will be facing forclosure in May when we will no longer be able to make our payments: Now, a solution has come up from someone who we do not personally know but was reccomended to us as extremely trustworthy and legitimate...we have known of his business (and of his family) for several years. Basically the suggestion would be that we would keep our deed, but would hold a contract that has been notarized and filed with our city that this person has assumed our mortgage until the property is sold, in which the deed will then transfer to the next property owner. They make the mortgage payments, they make the repairs neccesary to sell the house and they get their investment through the sale of the house. We would be free of the house, and keep our good credit. Ideally. We would also maintain control of the deed until the house is actually sold. Aside from the obvious benefits and risks, is there anything we are missing here?

Whoops! Are we looking at another Ethanol-style mistake with Wind power? Another knee-jerk so-called solution for our environment? Deadly blades; death toll mounts as wind farms massacre birds of prey August 7, 8:52 PM Wildlife Conservation Examiner Cathy Taibbi “This is the ugly, dirty secret of the powerful prop-turbine wind industry. It’s the sorry story that you won’t see on the ‘feel-good’ TV commercials or read about in industry-sponsored ads and skewed ‘research’ papers. The employees at wind farms have been instructed to not talk about the staggering numbers of dismembered bodies accumulating at the bases of these turbines. There is big money invested here, and big profits. When people have large investments they do what they need to in order to justify and protect that investment. Even if it’s wrong. Bear in mind that wildlife is not killed only by the spinning blades. High tension power lines, new access roads, habitat destroyed by construction of the farms and increased human presence all combine to transform what is touted as an ‘ecologically friendly’ new energy technology into the biggest deception ever perpetrated upon the public. The list of slaughtered species includes eagles, kites, hawks, cranes, bats, ducks, swifts, swans, geese, gulls, bustards, vultures, owls, grouse and more. Bear in mind reported losses don’t include carcasses claimed by scavenging animals before being recorded, nor bodies either too small or too mangled to be recognizable or even to leave enough remains to be found at all. They’re not just endangering wildlife; they’re also destroying tourism, lowering property values and the quality of life for nearby residents. ……a good example of how governments cynically sacrifice our avian biodiversity (and much more) to help wind farm developers. Cheating with science, manipulating mortality predictions, covering up bird & bat-kill statistics; these are current practices in Scotland and most European countries.“ Two thousand three hundred golden eagles have been killed that way in California, and you know that : an official report confirms it.”” http://www.examiner.com/x-13344-Wildlife-Conservation-Examiner~y2009m8d7-Deadly-blades-wind-farm-death-toll-mounts-as-birds-of-prey-are-massacred

Is it a good idea to invest in the Gulf Opportunity zone with a partner who claims there's $ to be made? I recently met someone who has made a lot of money in real estate and he came to a seminar on tax strategies and made a presentation, telling us that he has found a great opportunity to invest in the G.O. zone where you can get great incentives- 50% first year depreciation, grants from both federal and state governments ranging from 55-73K depending if you hold the property for 5 years, plus the fact that there are many people in need of housing who would rent to own the property we would invest in. I told him I didn't have the money to close on the deal and he said he could help to get me financing. that was 3 weeks ago and I signed a contract with him that gives me 30 days to decide if I want to move forward on the contract. I put $5,000. on my credit card to start the deal and am a little nervous that he hasn't come up with a solution for me. He told me to call him tomorrow, that he thinks he has someone- hard money lender most likely- that can help. Any thoughts on this? I know it could be a good investment but I don't want to risk losing my deposit if I can't get financing

How can I find a Senior PHP development partner? Hello, Any ideas on how to reach senior PHP Developers in the tri-state area? We are looking for a partner to step into something that is already established. Launched in 2005, we were the first internet company to develop a truly creative solution to a billion dollar problem in the wireless space. In addition to our innovative flagship property, we have recently launched a new application competing with eBay, craigslist, and other classified communities in the wireless category. We have a "real revenue" model. :) We need brainpower and fresh talent to make it hum. The company is made up of a powerful founder entrepreneur duo. We have had numerous top-shelf investment interest, but we need to build out the management team and finish developing the platform. Our established online community has been featured in every major media outlet you can imagine and multiple times, i.e. CNN, Wall street journal, NYT, Wired, Money, entrepreneur mag, etc. The person who joins us will be comfortable in a early-stage, pre-VC environment, and have the talent, vision, entrepreneurial, and management ability to drive the company forward. Thanks for the Help!!! Required Skills/Experience: --Strong Analytical, strategic, and communication skills --Senior PHP, (Zend/Symphony Framework experience +) --Extensive PHP experience 5 years + --Experience managing a team of web developers --Expert at hand-coding clean, coherent, compliant, and semantic --HTML/CSS/Javascript/AJAX --Minimum 5+ years web development applications experience --Strong Working knowledge of Photoshop, Illustrator, Dreamweaver, etc. --Usability/testing/web analytics --Strong understanding of HTML standards, WC3, and coding best practices --Understanding of relational databases, specifically MySQL a plus * Will need resume, references, in-person meeting, code sampling, etc. I am actually asking for alternatives to sites like that. If you notice, I am asking for ideas to reach qualified people for my type of job. Craigslist is a wasteland. I'd have to go through 50 nut jobs to find one gem. There has to be other ways. I have started a meet-up group as well. Anything else?

Could DUI Laws be one of the Vehicles to take away our Constitutional Protection? Could DUI Laws be one of the Vehicles to take away our Constitutional Protection? Politicians are planning to put the U.S. under an International Marxist New World Order dictatorship by various means. MADD claims they want to get drunk drivers off the road. Can the law prevent accidents? Are the new harsher penalties a solution? Is that the real reason for the harsher laws? What is the real motive behind the creation of new stricter DUI laws? The first thing I noticed is DUI laws do not require the arresting cop to read you your Constitutional Miranda Rights. And when no accident or problem has been caused by the driver who has been pulled over, or was forced to go through a police road block, or was stopped for some other reason, or encountered a cop who got suspicious. The suspect can be arrested for a crime that has not been committed, simply on suspicion that he might cause an accident. This is like other people being arrested for murder and given the death penalty, simply because they had a gun or a rock or anything that could be interpreted as a deadly weapon in their vehicle. For example, politicians have scared people into thinking that unless we crack down on drugs, we will have anarchy with criminals roaming the streets. So they made some laws that allow the authorities to seize the private property of any suspected drug ring or person. All they have to do is plant some drugs in a house or vehicle. Then the authorities can ignore their Constitutional Rights and confiscate the vehicles, bank accounts, and real estate of that group or person and sell it on their black market without a trial. Let's see if you think this MADDness is justice, or lynch mob rule. Arnold Swartzanager is hurting for money to balance his budget, and please his sources of money for his election (which includes MADD who want to get revenge against all drinkers for the death of a relative), so he has decided to double the penalties for a first time DUI offender from 9 months to 18 months of weekly classes at $25 each, and increase the fines from several hundred dollars, to a few thousand dollars. And also to force first time offenders to pay several hundred dollars to install a breathalyzer device (the breathalyzer companies pay for the election of these politicians who support them, a good investment in a bad economy) in the first time offender's car, so they cannot start them if they even used Listerine. They are testing it in some counties in California now. And they are considering installing cameras. And if you cannot pay for all this, they will put you in debtor's prison. More and more innocent people will be put in jail. If MADD can get the breathalyzers, then they will get the cameras. Once they create this precedent, then cameras will become standard equipment in ALL vehicles, homes, businesses, public places. Then when Big Brother decides to crack down, he can listen to your conversation and watch anyone who utters key words tracked on the Internet by satellite anywhere they are as a Political Enemy, and you will be arrested as a Terrorist Suspect. The laws are in place for this very thing.

How do I go about bringing my girlfriend to the US? I met her in the US when she was here as an Au Pair for a year. We spent a year together, then I went to China with her, and I've been in and out for the past 2 years now. I'm going to Beijing tomorrow, and then back to the US in July to finish college. I can see three solutions: Since I live next to Disney world, we will try to get her a job there. Maby a job visa, since a lot of people working there are chinese recruits. She has a Bachelors degree in Early Childhood Education, and is an English teacher right now. I'd probably marry her once she gets here, just to get her a green card ect ect incase she quits the job. That seems like an ok option, but it's still not 100% sure. Another is to bring her on a tourist visa, but that might be hard since she's only 23. And then get married. What steps would I have to take if I did this? I know this is frowned upon, but is it likely to work? Lastly there's the K-1 visa, but that's costly, and we don't really have the time for that. I can't marry in China, as the man has to be like 25 or 28 or something, I'm only 20. Our plan, is to buya house here, since their so damn cheap. We were going to get a house, and her father is going to buy a few more for investments, all in our name. Then I can finish college while she works, then go into the Airforce or teaching, and let her do whatever. How likely is she to get a travel visa? Her father owns a lot of property in China, but it's not HERS. And I guess she could pose as a 'flight risk' due to her age. She was here on a J-1 before. I guess we could get her her old aupair job back, getting her a J-1, and then get married and leave that. Her friends did that before. I just can't afford hanging out in China, I wanna get a job here ASAP so I can actually have some money to spend. Any advice? I plan to marry her in the US, that isnt my point, my point is how to get her into the US. Would she have a better chance of a tourist visa if she booked a vacation in Disney or went through a travel agent? How long does it take to get a fiancee visa from China? Is China 3rd world or 2nd world? (Seriously) I read on one site it said 15 months.

fsfxdggggggggggggggggggg? Section 1 and 2 1) Islam- Manmade, one god, equal Christianity - Jesus, one god, equal Judaism- Abraham, one god, equal 2) Monotheism- Government- the governing body of persons in a state, community. Ten Commandments- The ten injunctions given by God to Moses on Mount Sinai, serving as the basis of Mosaic Law. Common Law- the system of law originating in England, as distinct from the civil or Roman law and the canon or ecclesiastical law. Natural Law- a principle or body of laws considered as derived from nature. Monarchy- a state or nation in which the supreme power is actually Constitutional Monarchy- Democracy- a state of society characterized by formal equality of rights and privileges. Direct democracy- a form of democracy in which the people as a whole make direct decisions, rather than have those decisions made for them by elected representatives Republic- any body of persons viewed as a commonwealth. Renaissances- the forms and treatments in art used during this period. Reformation- Chapter 6 and 7 Revolution- an overthrow or repudiation and the thorough replacement of an established government. American Revolution- the war between Great Britain and its American colonies, 1775-83, by which the colonies won their independence. French Revolution- the revolution that began in 1789, overthrew the absolute monarchy of the Bourbons and the system of aristocratic privileges, and ended with Napoleon's overthrow of the Directory and seizure of power in 1799. Chapter 9 Industrial Revolution- the totality of the changes in economic and social organization that began about 1760 in England and later in other countries, characterized chiefly by the replacement of hand tools with power-driven machines, as the power loom and the steam engine, and by the concentration of industry in large establishments. Urbanization- to make or cause to become urban, as a locality. Adam Smith- Scottish economist. Capitalism- an economic system in which investment in and ownership of the means of production, distribution, and exchange of wealth is made and maintained chiefly by private individuals or corporations, esp. as contrasted to cooperatively or state-owned means of wealth. Karl Marx- German philosopher, economist, and revolutionary. With the help and support of Friedrich Engels he wrote. Socialism- a theory or system of social organization that advocates the vesting of the ownership and control of the means of production and distribution, of capital, land Communism- a theory or system of social organization based on the holding of all property in common, actual ownership being ascribed to the community as a whole or to the state Unions- The act of uniting or the state of being united. Chapter 11 and 12 Imperialism- Social Darwinism- Racism- Colonialism- Paternalism- Assimilation- Annexation- Sphere of Influence- Chapter 13 Schaeffer Plan: Trench Warfare: Treaty of Brest-Litovsk: Fourteen Points: Treaty of Versailles: National- Imperialism- Militarism- Triple Alliance- Triple Entente- Allied- Powers- Central power- Lost Generation- Chapter 14 and 15 Great Purge: Great Depression: Munich Conference: Provisional Government- Totalitarianism- Command Economy- Collective Farm- Coalition Government- Fascism- Nazism- Appeasement- Isolationism- Chapter 16 Nationalism- Militarism- Nonaggression pact- Axis Power- Blitzkrieg- Holocaust- Ghettos- Genocide- the deliberate and systematic extermination of a national, racial, political, or cultural group. Final solution- the Nazi program of annihilating the Jews of Europe during the Third Reich. Kamikaze- a person or thing that behaves in a wildly reckless or destructive manner. Demilitarization- Chapter 14 and 17 Yalta Conference: Korean War: Bay of pigs: Cuban missile crisis: Uprisings in Easter Europe: Great leap forward- When china followed Russia to imperilisam. Cultural Revolution- a radical sociopolitical movement in China c1966–71, led by Mao Zedong and characterized by military rule, terrorism, purges, restructuring of the educational system, Red Guard- a member of a Chinese Communist youth movement in the late 1960s, committed to the militant support of Mao Zedong. Iron Curtain- a impenetrable barrier to communication or information, esp. as imposed by rigid censorship and secrecy. Cold War- a continuing state of resentful antagonism between two parties short of open hostility or violence. Marshall Plan- any comprehensive program for federally supported economic assistance, as for urban renewal. Containment- an act or policy of restricting the territorial growth or ideological influence of another, esp. a hostile nation. Brinkmanship- the technique or practice of maneuvering a dangerous situation to the limits of tolerance or safety i

The simple interest formula I=prt gives the? The simple interest formula I=prt gives the interest earned on an investment of p dollars at interest rate r for a time of t years. How much does Yusuf need to invest at a rate of 6% in order to earn $150 interest in 5 years? $60 $600 $500 $5,000 Solve the inequality 3z - 7 < - 16 and determine for which of the following value(s) for z the inequality is true. Show your work and calculations. z = -1, -2, -3, -4 While shopping at the mall with her friends, Matilda bought 3 t-shirts and 2 pairs of pants. She spent a total of $89. Part 1: Write the equation for this word problem. Be sure to identify your variables. Part 2: If each t-shirt cost $12.50, solve the equation to find the cost of each pair of pants. Show your work. Solve the inequality 3 + 5t >6 Solve the inequality -2s + 8 < 20 Which inequalitz + 2 < 0 z – 4 > 2 z – 2 > 0 z + 4 < 2 y has the solution z > 2? Which Property of Equality would be best to use first to solve the equation 15k + 12 = -36 for k? Addition Property of Equality Subtraction Property of Equality Multiplication Property of Equality Division Property of Equality

Is a flat tax the solution to all our financial problems? OK, we have a serious problem in this country. First of all, I am a middle-class America, and at LEAST 40% of my money goes to the government, in income tax and sales tax. The next problem is, with all of these deductions we get, people who can hire expensive tax preparers can find enough deductions to save themselves millions in taxes, while guys like me who do-it-ourselves are left footing the bill, even though we bought the same things!! What is wrong with a flat tax of, say 30% of your salary? That's it. No property tax, no sales tax, no tax on income from investments. Your money is taxed once and then the government will leave you alone. This will help our economy by encouraging people to invest more, and buy more property, because you can make more money off it. Of course, we could have a few rules. For instance, getting married nets you a 5 or 10% tax break. Every child nets you, say, a 5% tax break. Anyone who makes under, say $30 grand a year is tax-exempt. Anyone who makes over, say $2 mil a year pays 40% instead of 30%. Problem solved. And think about the MILLIONS (or Billions?) of dollars saved from paying IRS salaries!! ---By the way, I know some politicians are promoting a form of this, as a "fair tax", but I am wondering why we don't have it already.

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According to housing experts, lenders lose about half the outstanding loan amount if they...? ...pursue foreclosure. Resale values of houses also continue to fall. The answer they've come up with is loan modifications but again they complicate matters by having a maze of rules and exceptions. I believe the only thing which will stem the tide of foreclosures is a complete moratorium on mortgage payments for at least one year--no exceptions. Whether it's a primary residence or investment property should make no diff. What will lenders lose? A year's worth of payments as compared to half the outstanding loan amount or more. The solution has to be drastic not the baby steps bail out currently proposed. Stop the insanity! (Thanks Susan.) What do you think?

The U.S. government has confirmed oil will go toward $200 a barrel as $150 is already here, what happens now? What will be the result of $200 a barrel of oil in America concerning economic growth, job losses, energy costs to heat homes in this winter, gas and diesel prices are already sky-high and becoming unaffordable for many Americans, crime is on the upswing to offset the losses, the American dollar may be devalued by as much as 50 percent against other nations money and will soon be found unacceptable as payment in foreign countries should it keep becoming worthless! Foreign investment are buying up American properties and companies at an alarming rate and our National Security is under assault with no solution in the making. The U.S. manufacturing base is no where to be found in 2008 and the nations service sector and jobs are going to other places around the world. Local towns, states and the federal government is swimming in "red ink" with no relief on the horizon. America's infrastructure is crumbling, our roads and bridges are unsafe and deteriorating at an alarming rate! Why?

Posted 2 years ago on Yahoo board,Ísn´t this forecast oustanding? The United States is the epicenter of the world crisis Jorgelina Guido The profits of the world's principal capitalist corporations are on the rise permanently, but “investment is still weak.” The logical consequence of this situation is an incredible over-accumulation of capital. According to a report of the IMF, published in the Buenos Aires daily Clarín on July 17, world savings has reached “24.9% of the world's GDP.” This “oversupply of global savings” is sucked in by the US economy, which transforms part of this excess of capital into US Treasury Bonds in order to finance the monumental Federal Government deficit and the deficit in the balance of payments (it has risen to “668 billion dollars” per year), and another part is earmarked to feed speculation in the real estate market. It need only be said that in Miami there are properties “that are resold up to five times before the first brick is laid.” If we bear in mind that the principal debtor in the world is the United States (3 trillion dollars), and that in order to face that debt it needs to absorb more and more this “oversupply of global savings” (which affects the rise in the interest rate, brakes its economic development and diminishes its capacity to make payments), if this set of factors are born in mind, we cannot be surprised at the fact that many specialists in finance hold that investors esteem it probable that the United States enter into default. For this reason, many “governments and investors” are already thinking of changing their minds “regarding the placing of their savings into US bonds, unleashing in this manner a fall in the dollar and making the interest rates rise.” This would lead to a world-wide financial crisis and to a profound economic depression. This probability of a US default was made tangible when just a few months ago the central banks of Japan and Korea “spoke of no longer recycling their trade surpluses purely in dollars.” The conclusion arising from this is that the epicenter of the world crisis is in the heart of US imperialism and that any political strategy towards a solution to the current situation must be based on these profound disequilibriums in the world economy

IS THEIR ONLY ONE PLAN FOR THE BAILOUT? HERE ARE SOME SUGGESTIONS FOR ALTERNATE BAILOUT PLANS THAT WON'T COST THE TAXPAYER 700 BILLION. THIS WAS WRITTEN BY DAVID SEROTA: THERE ARE CLEARLY BETTER AND SAFER ALTERNATIVES (FOR BAILOUT) The mantra throughout the week has been that America has "no choice" but to pass Treasury Secretary Henry Paulson's $700 billion giveaway - that, in effect, there are no alternatives. But that's an out-and-out lie - one with a motive: Making it seem as if the only thing we can do is hand the keys to the federal treasury over to both parties' corporate campaign contributors. The truth is, there are a number of alternatives. Here are just a few: * In the Washington Post last week, Galbraith outlined a multi-pronged plan shoring up and expanding the FDIC, creating a Home Owners Loan Corporation, resurrecting Nixon's federal revenue sharing, and taxing stock transactions (a tax that would fall mostly on speculators) to finance the whole deal. *The Service Employees International Union has drafted a plan based around a massive investment in public services and national health care, and regulatory reforms preventing foreclosures and forcing banks to renegotiate the predatory terms of their bad mortgages. * For those in the mindless, zombie-ish "someone has to do something!" camp, consider the possibility that you are under the spell of the same kind of White House fear that led us to invade Iraq because of Saddam's supposed WMD. Consider, perhaps, that there may not even be a compelling basis for doing anything just yet (or at least not anything nearly so huge), and that the whole reason there is this urgent push right now has nothing to do with the financial situation, and everything to do with creating the political dynamic to pass a wasteful giveaway - one that couldn't be passed otherwise without a sense of emergency. In two separate posts (here and here), CEPR's Baker says that letting the problem play out could be the best path, because Treasury and the Fed may already have the tools they need. Following this path, the worst thing that happens is "The Fed and Treasury will have to step in and take over the banks is exactly what many economists argue should happen anyhow," Baker writes. "So the outcome of the worst case scenario is a really frightening day in which the whole world financial system is shaken to its core, followed by a government takeover of the banks. Eventually the government straightens out the books and sells them off again. But the real threat here is not to the economy, it is to the banks." * Then there is the idea of simply taking the $700 billion and simply give it to struggling homeowners to help them pay off part of their mortgages. This hasn't even been discussed but the thought experiment it involves is important to understanding why there is, indeed, an alternative to the Paulson plan. If the root of this problem is people not being able to pay off their mortgages, and those defaults then devaluing banks' mortgage-backed assets, then simply helping people pay their mortgages would preserve the value of the mortgage-backed assets and recharge the market with liquidity. That would be a bottom-up solution helping the mass public, rather than a top-down move helping only financial industry executives. On this latter proposal, some may argue that giving any relief to homeowners is "unfair" in that those homeowners created their problems, so why should taxpayers have to help them? But then, is helping homeowners any less fair than simply giving all the money away to Wall Street, no strings attached? I'd say no - and helping homeowners also serves a second purpose: namely, keeping people in their homes, which not only helps them, but helps an entire neighborhood (as any homeowner knows, nearby properties can be devalued when foreclosures hit). WHAT DO YOU THINK OF THE ALTERNATE BAILOUT PLANS? SHOULD WE WRITE CONGRESS? OR JUST GIVE THE POOR BANKS 700 BILLION OF OUR HARD EARNED MONEY--- NO STRINGS ATTACHED? RHYKER My question was and is: "is their a better way to get money to the credit markets then a blank check from us TaxPayers? Myself I don't fall down when I sing and walk at the same time, but some do.

The 3 step bail-out solution? On the Dave Ramsey website I found this plan. In a way it sounds very good. Maybe too good? I actually like it so far, Can you take a look at it and tell me what you see that is wrong? Could it really be this simple? Or this cheap? Here it the text of the plan. I will list the link below. The Common Sense Fix Years of bad decisions and stupid mistakes have created an economic nightmare in this country, but $700 billion in new debt is not the answer. As a tax-paying American citizen, I will not support any congressperson who votes to implement such a policy. Instead, I submit the following threestep Common Sense Plan. I. INSURANCE a. Insure the subprime bonds/mortgages with an underlying FHA-type insurance. Government-insured and backed loans would have an instant market all over the world, creating immediate and needed liquidity. b. In order for a company to accept the government-backed insurance, they must do two things: 1. Rewrite any mortgage that is more than three months delinquent to a 6% fixed-rate mortgage. a. Roll all back payments with no late fees or legal costs into the balance. This brings homeowners current and allows them a chance to keep their homes. b. Cancel all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan. In the event of foreclosure or short sale, the borrower will not be held liable for any deficit balance. FHA does this now, and that encourages mortgage companies to go the extra mile while working with the borrower—again limiting foreclosures and ruined lives. 2. Cancel ALL golden parachutes of EXISTING and FUTURE CEOs and executive team members as long as the company holds these government-insured bonds/mortgages. This keeps underperforming executives from being paid when they don’t do their jobs. c. This backstop will cost less than $50 billion—a small fraction of the current proposal. II. MARK TO MARKET a. Remove mark to market accounting rules for two years on only subprime Tier III bonds/mortgages. This keeps companies from being forced to artificially mark down bonds/mortgages below the value of the underlying mortgages and real estate. b. This move creates patience in the market and has an immediate stabilizing effect on failing and ailing banks—and it costs the taxpayer nothing. III. CAPITAL GAINS TAX a. Remove the capital gains tax completely. Investors will flood the real estate and stock market in search of tax-free profits, creating tremendous—and immediate—liquidity in the markets. Again, this costs the taxpayer nothing. b. This move will be seen as a lightning rod politically because many will say it is helping the rich. The truth is the rich will benefit, but it will be their money that stimulates the economy. This will enable all Americans to have more stable jobs and retirement investments that go up instead of down. This is not a time for envy, and it’s not a time for politics. It’s time for all of us, as Americans, to stand up, speak out, and fix this mess. So what do you think? Here is the link to the site: http://www.daveramsey.com/etc/fed_bailout/index.html

The Ramsey 3 step bail-out solution? On the Dave Ramsey website I found this plan. In a way it sounds very good. Maybe too good. I actually like it so far, Can you take a look at it and tell me what you see that is wrong? Could ti really be this simple? Or this cheap? Here it the text of the plan. I will list the link below. The Common Sense Fix Years of bad decisions and stupid mistakes have created an economic nightmare in this country, but $700 billion in new debt is not the answer. As a tax-paying American citizen, I will not support any congressperson who votes to implement such a policy. Instead, I submit the following threestep Common Sense Plan. I. INSURANCE a. Insure the subprime bonds/mortgages with an underlying FHA-type insurance. Government-insured and backed loans would have an instant market all over the world, creating immediate and needed liquidity. b. In order for a company to accept the government-backed insurance, they must do two things: 1. Rewrite any mortgage that is more than three months delinquent to a 6% fixed-rate mortgage. a. Roll all back payments with no late fees or legal costs into the balance. This brings homeowners current and allows them a chance to keep their homes. b. Cancel all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan. In the event of foreclosure or short sale, the borrower will not be held liable for any deficit balance. FHA does this now, and that encourages mortgage companies to go the extra mile while working with the borrower—again limiting foreclosures and ruined lives. 2. Cancel ALL golden parachutes of EXISTING and FUTURE CEOs and executive team members as long as the company holds these government-insured bonds/mortgages. This keeps underperforming executives from being paid when they don’t do their jobs. c. This backstop will cost less than $50 billion—a small fraction of the current proposal. II. MARK TO MARKET a. Remove mark to market accounting rules for two years on only subprime Tier III bonds/mortgages. This keeps companies from being forced to artificially mark down bonds/mortgages below the value of the underlying mortgages and real estate. b. This move creates patience in the market and has an immediate stabilizing effect on failing and ailing banks—and it costs the taxpayer nothing. III. CAPITAL GAINS TAX a. Remove the capital gains tax completely. Investors will flood the real estate and stock market in search of tax-free profits, creating tremendous—and immediate—liquidity in the markets. Again, this costs the taxpayer nothing. b. This move will be seen as a lightning rod politically because many will say it is helping the rich. The truth is the rich will benefit, but it will be their money that stimulates the economy. This will enable all Americans to have more stable jobs and retirement investments that go up instead of down. This is not a time for envy, and it’s not a time for politics. It’s time for all of us, as Americans, to stand up, speak out, and fix this mess. So whatbdo you think?

Is foreign aid the solution to global poverty? A 2005 United Nations report called for a doubling of foreign aid to poor countries as the means to reduce poverty. Yet the 2006 Nobel Peace Prize was awarded to a for-profit microloan bank and its founder, an apparent vindication of the ideas of Peter T. Bauer, Henry Hazlitt, Deepak Lal, and others. As Bauer wrote, “Development aid, far from being necessary to rescue poor societies from a vicious circle of poverty, is far more likely to keep them in that state.…Emergence from poverty requires effort, firmly established property rights, and productive investment.

Is foreign aid the solution to global poverty?”? A 2005 United Nations report called for a doubling of foreign aid to poor countries as the means to reduce poverty. Yet the 2006 Nobel Peace Prize was awarded to a for-profit microloan bank and its founder, an apparent vindication of the ideas of Peter T. Bauer, Henry Hazlitt, Deepak Lal, and others. As Bauer wrote, “Development aid, far from being necessary to rescue poor societies from a vicious circle of poverty, is far more likely to keep them in that state.… Emergence from poverty requires effort, firmly established property rights, and productive investment.”

A good online payment solution in India (not happy with ccAvenue)? Hello, my Internet company applied for an online merchant account with www.ccAvenue.com. We are a respectable site with lots of investment, and a history of success, however we were rejected by ccAvenue for reasons which were not clearly explained. (The rejection occured within 10 minutes of applying, so probably something we said in the application. They clearly did not do a detailed analysis of our company and web property). Can you please recommend an alternative to ccAvenue. We are a big website, and growing very fast. We want to allow as many payment options as possible on our site, particularly for Indian customers, as well as USA customers. We currently have a payment system through a non-Indian merchant account, but want to use a good, reliable India-based solution which offers full range of online payment solutions. Thank you for your help!

The 3 step bail-out solution? I am asking the same question yet again because I an honestly looking for more feedback. I have received some that I like, but so much is based on emotions and not facts. How about some facts! I do not like the idea of giving a hand out to anyone. but lets face facts-there is going to be some type of program passed-congress just can't pass it up. They LOVE doing this stuff! If I have to have a bill forced on me, this is the idea I like best so far. On the Dave Ramsey website I found this plan. In a way it sounds very good. Maybe too good? I actually like it so far, Can you take a look at it and tell me what you see that is wrong? Could it really be this simple? Or this cheap? Here it the text of the plan. I will list the link below. The Common Sense Fix Years of bad decisions and stupid mistakes have created an economic nightmare in this country, but $700 billion in new debt is not the answer. As a tax-paying American citizen, I will not support any congressperson who votes to implement such a policy. Instead, I submit the following threestep Common Sense Plan. I. INSURANCE a. Insure the subprime bonds/mortgages with an underlying FHA-type insurance. Government-insured and backed loans would have an instant market all over the world, creating immediate and needed liquidity. b. In order for a company to accept the government-backed insurance, they must do two things: 1. Rewrite any mortgage that is more than three months delinquent to a 6% fixed-rate mortgage. a. Roll all back payments with no late fees or legal costs into the balance. This brings homeowners current and allows them a chance to keep their homes. b. Cancel all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan. In the event of foreclosure or short sale, the borrower will not be held liable for any deficit balance. FHA does this now, and that encourages mortgage companies to go the extra mile while working with the borrower—again limiting foreclosures and ruined lives. 2. Cancel ALL golden parachutes of EXISTING and FUTURE CEOs and executive team members as long as the company holds these government-insured bonds/mortgages. This keeps underperforming executives from being paid when they don’t do their jobs. c. This backstop will cost less than $50 billion—a small fraction of the current proposal. II. MARK TO MARKET a. Remove mark to market accounting rules for two years on only subprime Tier III bonds/mortgages. This keeps companies from being forced to artificially mark down bonds/mortgages below the value of the underlying mortgages and real estate. b. This move creates patience in the market and has an immediate stabilizing effect on failing and ailing banks—and it costs the taxpayer nothing. III. CAPITAL GAINS TAX a. Remove the capital gains tax completely. Investors will flood the real estate and stock market in search of tax-free profits, creating tremendous—and immediate—liquidity in the markets. Again, this costs the taxpayer nothing. b. This move will be seen as a lightning rod politically because many will say it is helping the rich. The truth is the rich will benefit, but it will be their money that stimulates the economy. This will enable all Americans to have more stable jobs and retirement investments that go up instead of down. This is not a time for envy, and it’s not a time for politics. It’s time for all of us, as Americans, to stand up, speak out, and fix this mess. So what do you think? Oops-I forgot the link! Look under Common Sense Fix: http://www.daveramsey.com/etc/fed_bailout/index.html

Politicians and their Illusion of Power? Take a look a give your opinion:? http://www.mises.org/story/1396

Is this why the libs hate BUSH?

Securatization a hazard? Formerly, when financial institutions such as banks and savings & loan associations issued mortgages, they held the mortgages in their own investment portfolios. This meant that the financial institutions exercised due diligence and were familiar with both the property and the borrower. Banks wrote mortgages for properties in their area with which they were familiar and interviewed the borrowers. With the advent of securitization, financial institutions no longer hold the mortgages as investments. Instead, they issue mortgages for fees. They sell the mortgages as soon as they are issued and, thus, have no risk from default. Since the capital of the mortgage issuers is not at risk, they have no incentive to do due diligence. The more mortgages they issue, the more fees they collect. So the question is whether securitization of mortgages created a moral hazard? Apparently the Obama administration believes that there is a moral hazard. If you agree with the Obama administration, comment on whether you think that requiring lenders to retain 5% of the risk (the administration’s proposed solution) is sufficient to eliminate the moral hazard?

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