What I "Learned" from College

Unless you're a prodigy at something or know precisely what you want to do for a career, don't go to a university. Start at community college... because universities are a cold, mean, very rigged game.



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Housing Will Not Recover

inflation.us Bernanke delivers blunt warning on US debt www.washingtontimes.com Jobless benefits start ending on Sunday money.cnn.com AIG posts $8.9 billion loss on loan repay, reserves finance.yahoo.com



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Loan Sharks

In the world today, it is not at all unusual to find yourself short of the cash you need to pay your bills, feed your family and maintain a reasonable lifestyle. For every working stiff who runs out of money before they run out of week, there are unfortunately a number of shady characters willing to loan you all the money you need at an exorbitant interest rate. You will have to be careful to avoid these loan sharks when you find yourself in need of quick cash.

Loan sharks are not just something made up in Hollywood to sell movie tickets. Unfortunately, loan sharks are all too real and getting involved with one can wreak havoc on your personal and professional life.

Loan sharks prey on people in financial distress. These people are often unable to obtain loans through traditional channels like banks and savings and loans. Often this is because of either bad credit or the nature of the debt they have incurred. A compulsive gambler may not be able to convince their local bank loan officer to help pay off their gambling debts. Likewise, if your credit is poor, you will find it extremely difficult to obtain a loan at a reasonable interest rate. Any time you borrow money, it is vital to know the interest rate you will be required to pay. If you interest rate is too high, you may never be able to pay off your debt. Your debt may pile up faster than you can pay it off. This is good for the loan sharks but bad for you. Loan sharks want to keep you in debt. This makes you dependent on them for ever increasing amounts of money.

Even if you are not a gambling man and not involved in any shady dealings, you can still fall victim to loan sharks of various stripes. Many so called payday loan and payday cash advance companies are actually loan sharks in disguise. They often charge exorbitant rates of interest in exchange for the quick cash they dispense. Although technically legal, these businesses are considered loan sharks by a great many of their former and current customers.

No matter what type of loan sharks you get mixed up with, extricating yourself from their clutches may be one of the biggest challenges you will ever face. Loan sharks, both the legal kind and the back alley kind, are notorious for chasing down the money they are owed. While not every loan shark is of the old leg breaking school, they will find ways to make your life miserable until you pay them what you owe. They will most likely visit you at your home or place of work to demand their payments. This tactic is extremely effective for the loan sharks and highly disconcerting for you. In addition to putting your personal relationships and your job in jeopardy, these type of tactics violate your sense of personal freedom and personal space.

The best way to deal with loan sharks is not to get involved with them in the first place. Anytime you need a loan, make sure you deal only with reputable firms. Make sure you know with whom you are dealing and that you get a full disclosure of the interest rate charged by the lender and all associated fees. One of the most common tricks loan sharks use to keep their customers in debt is to charge extremely high late payment fees, often as high as 1 to 1.5% per day. You can see how quickly your loan can spiral out of control at rates like this.

If you've already fallen into the clutches of a loan shark, the best way (probably the only way) to make them go away is to pay your debt in full. You may need to swallow your pride and borrow the funds you need from your relatives. It is always hard to admit to financial problems, and many people let their debt get completely out of control before they seek help. Your family and friends will most likely be willing to help you out with your financial issues. They will probably be more understanding than you expect. After all, most people wrestle with financial demons at some point in their lives.

Once you have banished the financial demons that loan sharks represent, it is vital that you not repeat your past mistakes. If you have a problem with gambling, seek help for your addiction. It is important to get your financial house in order so that you will no longer be easy prey for the loan sharks that prowl the financial waters.

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Conway Twitty's "That's My Job"

This is dedicated to my Daddy, i Love this song but couldnt find the right video. SO i maneged to put this together. (Sry about the same pics, first timer at this)



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Public Presentation: The Economic Impact of Pay Day Loans & No Accounts

www.alejandroinaustin.com http This presentation covers the annual economic impact of millions of lost dollars spent by employed central Texans on check cashing and pay day loan fees. A lack of direct deposit and checking accounts results in the average "unbanked" central Texan to lose $40000 in their life time. In addition, millions of dollars are lost annually on predatory pay day loans. This presentation covers Financial Empowerment in the Workplace, a project developed through partnerships of Hispanic Austin Leadership, United Way Capital Area, and the local Bank On Campaign to address this issue at the employer level. The goal of the campaign was to educate employees, through the workplace, to open bank accounts, set up direct deposit, and avoid predatory loans. "Payday lending is a controversial practice and faces both legal battles and public perception challenges in nearly every place where it is practiced." en.wikipedia.org Alejandro Dominguez, alumni of Hispanic Austin Leadership and active member in the Austin community, presents the outcome of the project on 4/29/10 in Austin, TX to over 200 members and guests of the Greater Austin Hispanic Chamber of Commerce. To see more outreach videos and public presentations from Alejandro visit his YouTube Channel @ www.youtube.com If you are interested in Non-Profit YouTube Consultation and Search Engine Optimization, please contact Alejandro via his blog @ www.alejandroinaustin.com



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Home Loan Modification Hardship Letter Sample

When applying for a loan modification you will be required to provide the lender with a hardship letter. This can be the hardest part for a homeowner because many are not sure what to write and some become overwhelmed.

Here will be a sample of a hardship letter that will explain the basic feel that should be used in the letter. Provided is a sample hardship letter along with instructions for what one should bring up in their own letter. The lender needs this letter to see if you qualify for the loan, everyone's letter will be different with different reasons as to why they need a loan modification, in order for the lender to take your situation seriously you must also tell your story.

Account number: [Your loan number]

[The name your loan is under, usually your own.]

[Your residential address, which is also the address you are requesting loan modification on. Loan modifications are not allowed for properties that are not lived in.]

[Your phone number and email]

To Whom It May Concern: (Or the persons name if you know it.)

[Explain the reason for the loan modification in the hardship letter.] The reason for this letter is to explain the reason I/we have fallen behind on the mortgage payments. I am requesting that you work with us/me on a loan modification. I/we have come across some hard times that are making everything a struggle. I/we would like to work out a plan with you and possibly work out different terms on the mortgage so we can stay in our home.

[Keep the explanation of the reasons short and to the point. Try to limit it to about one paragraph.] I lost my job a few months back and have not be able to find anything that pays enough to pay all of my bills or other expenses. I had some savings that I have been using to try to stay afloat but that is now gone. I have however found a position that pays well enough to get back on my feet and am scheduled to begin working in a few days. My spouse, who pays half of our monthly expenses, has fallen ill with X and can no longer work because of the medical treatment. Fortunately the doctors expect a full recovery within 6 months. Although it is great that my spouse will recover, the medical treatment being used is expensive and we can not afford to pay our other expenses along with the medical treatment.

[Explain your come back plan.] After doing the math I have come to the conclusion that with my new position I will be able to pay monthly expenses including the mortgage payment of $X. As soon as my spouse recovers from her illness we will be financially stable again however until that day comes we will be a little strapped for money. If possible we are requesting [Ask for exactly the loan modification agreement you feel you can handle and they will approve of]

Thank you for you patience and time. Thank you for looking over my situation and considering the home loan modification plan that will help us get back on our feet.

Sincerely,

[Signature]

What we have written above is just a sample letter, make sure you remember this. When writing a hardship letter for a home loan modification it is a good idea to go a little deeper into your story but make sure not to make it into a tear jerker. While you may feel that if you pull some heart strings you will have a better chance of being approved, however the reality is the lenders don't want to hear it. The lenders are just trying to determine if you are at risk of defaulting again.

At my site I will teach you how to properly refinance or modify a home mortgage saving you thousands of dollars, or even your home. A lot of Greedy Mortgage Lenders will try to suck you dry if you let them. Learn the right way to refinance or modify your home loan at my site: http://www.refinancingcondo.com

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Making Home Affordable

For more information on the Making Home Affordable program, and to see if you quality, please visit www.makinghomeaffordable.gov or contact the Homeowners HOPE™ Hotline at (888) 995-HOPE.



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Obama Loan Modification - Details of Approvals, Fees and Charges - Part 5 of 10

Do you know how the details of Obama's Loan Modification law could affect you? If you read this article you will have a great start on understanding the Obama's Loan Modification Bill and how it can benefit you.

Trial Period Requirement:
No payments will be made to the lender/investor, servicer or debtor until after the Trial modification Period is successfully completed and the entry of agreements to the plan between the servicer and the Treasury's financial agent.

Modification will be in effect the first calendar month after the trial period is completed successfully. Successful completion is defined as being current as per MBA calculation at the End of the Trial Period.

Debtors in foreclosure restart states will fail the Trial Period if they are not current when the Foreclosure sale is scheduled to being.

The lender/investor, debtor, or servicer will not be paid during the Trial Period, if the Trial Period is completed unsuccessfully, or if the servicer has not entered into the agreements of the plan.

Trial Period Duration:
The Trial Period will last for the duration of 90 days (meaning 3 modified term payments) or longer if it is necessary in order to comply with the contractual obligations of the investor. In order to receive a Domestic Economical Modification, the debtor must be current upon the end of the Trial Period.

Escrows:
Servicers must escrow for debtor's mortgage-related insurance payments and real estate taxes if they can process these payments or are using a third party for this already. If they can not, they must be able to do so within 6 months of agreeing to the Plan.

Requirements for Counseling:
The servicer must inform debtors with a Back-End DTI of 55% or higher about the advantages and affordability of counseling. In addition, they must give the debtor a letter informing said debtor of their requirement of counseling and provide the debtor with a list of HUD-approved counselors. In order to start the counseling, this letter may be a requirement. The modification will not be in effect until the debtor affirms in writing that he/she will get counseling.

Assumable:
In the event that the modified loan was assumable before modification, the Domestic Economical Modification will void this.

Debtor Modification Fees:
The debtor will not be charged modification fees.

Modification Fees the Investor can Reimburse:
The investor can reimburse modification fees and charges, including notary fees, property valuation, and other fees. This will take place through the normal procedure between the investor and servicer.

Unpaid Late Fees Waived:
Late fees that are not paid shall be waived for the debtor, including late fees before and during the Trial Period.

Credit Report:
Credit report cost will be covered by the investor.

Do Your Qualify and How to Apply:

To see if you qualify and learn how to apply for an Obama Loan Modification you can visit:

http://www.obama-loanmodification.com

Which provides you with valuable resources including:
- Top 10 most frequently asked questions about the program
- Up to date guidelines on if you qualify
- Insider tips
- Free sample hardship letter

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This is the trial it will only last 30 days. The trial will automatically remove all the Trojan virus on your computer. Once you have download it, it will require you to manually scan your computer. Click the link below to download it for free. Link 1: (United States) www.simplysupersoft.com Link 1A: (United Kingdom) www.simplysup.co.uk Link 1B: (Worldwide) www.simplysupersoft.com Link 2: (Worldwide) www.kaspersky.com Link 3: (Worldwide) acs.pandasoftware.com Link 4: (Worldwide) download.oldapps.com Link 1, 2 and 4 is highly recommended. Link 1 Registration below. (Before Registering) Please DO NOT register if you are connected to an unsecured network. (Why?) Information sent over an unsecured network, people and nearby hackers can steal your credit card information. Please DO NOT register if your computer is currently being infected with Trojans and Virus at this moment. (Why?) Trojans, Spywares, and Keyloggers can record your typings and possibly your audio sounds. (Hint) Use the free 30 day trail to safely remove all the virus from your computer first. The cost for registering is $24.00 (NOTE!) This registration is only for link 1. (Register) www.plimus.com Server 1: (Site Anti-Virus Protected) www.regsoft.net Server 2: (Site Anti-Virus Protected) Link 1: www.simplysup.com - Official Website Link 2: www.kaspersky.com - Official Website Link 3: www.cloudantivirus.com - Official Website Link 4: www.malwarebytes.org - Official Website Link 5: Administrator help (United ...



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Battlefield Bad Company Multiplayer Montage 5

The 5th Battlefield Bad Company Montage from xXDraco RegisXx Music Iron Maiden - The Mercenary Muse - Map of the Problematique This will be my final montage for a while cos i've kinda run out of all my good music and until I get my student loan and buy more music I don't really want to post any more videos or montages for a while. I will post a vid entitled "10 ways to show you are a pro at BF:BC" this will hopefully be recieved in good spirit and is kinda truthful and kinda tongue in cheek.



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Drag Me To Hell Movie Trailer

Sam Raimi's long-awaited return to horror comes to us in Drag Me To Hell. When loan officer Christine Brown, played by Alison Lohman, is forced to evict an elderly woman from her home, she finds herself the recipient of a powerful curse that turns her life upside down and consigns her to hell itself in three days time. Can she find a way to beat the curse before her own note comes due? Check out the trailer! Horror fans all over have been waiting for this one, but can it ever live up to its own hype? Hit our comments section and tell us what you think! Thanks for watching!



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FHA Streamline Refinance Loan - How to Get One?

A FHA Streamline Refinance Loan could be your answer to your problems if you are behind in your mortgage payments or other bills such as credit cards or car payments. You don't want to lose your home to foreclosure so you need to know your options for refinancing your mortgage loan.

A helpful challenge is one that results in peace of mind. Such a challenge may present it when it looks like a home mortgage is getting foreclosed. An opportunity to resolve this, avoiding foreclosure is a FHA Streamline Refinance Loan.

If the rate of interest was too high on the original loan it may be possible to get a lower rate. Sometimes, if there are several unpaid bills there may be a way to pull those bills into the loan. This way the bills will be paid at the mortgage closing.

What should you do to get a FHA Streamline Refinance Loan?

As simple as this sounds there is going to be some healthy leg work. All debts owed will need to be gathered. There should be no inquiries for a credit report. Too many of these could affect the outcome of the credit report. Do not apply for additional credit as such activity on a credit report may work against the borrower.

A FHA Streamline Refinance Loan Specialist will guide borrowers through this process. Sprucing up of the home and grounds may be in order. Internally, the home should look pristine. This is to prepare for the appraisal.

When an appraisal is conducted the appraiser will value what the home is worth. Pictures will be taken of the home and yard. It will similar to preparing for a real estate sale.

Why go through this trouble? Property that has a beautiful appearance may go for a higher appraisal rate. The better the valued assigned to the home, the better is the chance for a mortgage lender to approve a FHA Streamline Refinance Loan. The home is then ready for the photo shoot and other appraiser duties. The value of the home will be determined. Sometimes, a survey may need to be completed. The mortgage specialist will inform the owners, if this is the case.

Fast forward to the point when the loan is approved.

A FHA Streamline Refinance Loan Specialist will arrange for the closing of the loan. An attorney or the title company will draw up papers and go over all of them with the home owners and specialist. Up to this point the contact may have been mostly by telephone and email.

Since these loans are accessible online it is possible to conduct services via this route. This does not take away from the quality of the work. In fact, time is saved that would otherwise interfere with day to day duties such as work and family.

Keeping a home safe from foreclosure saves a family from heartbreak and solves problems proactively. Many families go this route and it is worth it to them.

Refinancing your home mortgage loan can help you to save your home from foreclosure and pay other overdue bills, now is the time to start researching for more information on FHA Streamline Refinance Loan.

Click here for more free advice about FHA Streamline Refinance Loan visit FHA-Loans-Information.com where you much more information on the different types of FHA loans.

If you have less than perfect credit and you want to refinance click Poor Credit Refinance

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How To Destabalize Countries Legally .Economic Hitman Part 4

what happened with Omar Torrijos. JOHN PERKINS: Well, Omar, again, was very stalwartly standing up to the United States, demanding that the Panama Canal should be owned by Panamanians. And I spent a lot of time with Torrijos, and I liked him very, very much as an individual. He was extremely charismatic, extremely courageous and very nationalistic about wanting to get the best for his people. And I couldn't corrupt him. I tried everything I could possibly do to bring him around. And as I was failing, I was also very concerned that something would happen to him. And sure enough—it was interesting that Jaime Roldos's plane crashed in May, and Torrijos said—got his family together and said, "I'm probably next, but I'm ready to go. We've now got the Canal turned over." He had signed a treaty with Jimmy Carter to get the Canal in Panamanian hands. He said, "I've accomplished my job, and I'm ready to go now." And he had a dream about being in a plane that hit a mountain. And within two months after it happened to Roldos, it happened to Torrijos also. AMY GOODMAN: And you met with both these men? JOHN PERKINS: Yes, I'd met with both of them. AMY GOODMAN: What were your conversations like? JOHN PERKINS: Well, especially with Torrijos, I spent a lot of time with him in some formal meetings and also at cocktail parties and barbecues—he was big on things like that—and was constantly trying to get him to come around to our side and letting him know that if he did, he and his family ...



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Nhạc Trẻ VN, thập niên 60-70. Part 2

Nhac tre Vietnam thap nien 60-70. Voi ca si va ban nhac tre nhu: Minh Xuan, Minh Phuc, The Blue Stars, Les Vampires, The Rockin' Stars, Van Trung, Connie Kim, Jo Marcel, Hong Loan, Thanh Tuyen, Bich Loan, CBC, Ngoc Bich, Helena, Francoise Hang, Tuan Ngoc, Tung Giang, Duc Huy, Billy Shane, The Strawberry Four, The Top Five, Ngoc Hieu, Elvis Phuong, Le Huu Ha, Nguyen Trung Cang, Phuong Hoang, Thanh Mai va Carol Kim.



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Loan For Unemployed Tenant - Get a Loan Even Without Any Asset and Job

If you own a house, you can easily get a loan by placing the house as collateral. Even if you do not have a job, the house serves as a guarantee, whereby you can get a secured loan with any banker. But if you are a tenant, meaning you do not have a property of your own to place as collateral, you have no chance of getting any loan at the local nationalized banks. However if you need money, you can always approach the internet based money lenders who are more than willing to help you. They have a scheme just for you: loan for unemployed tenant.

These are the money lenders who know how to take and manage risks. No matter what kind of tenant you are, you can get the loan. It does not matter if you have a good or a bad credit score. You can always apply for the loan. The only thing is that you should be UK resident above 18 years of age with an active checking account.

The loan for unemployed tenant is basically an unsecured high risk loan. You can avail these loans even if you carry a bad credit. Also, you can use this opportunity to repair your credit rankings. You can use the money for whatever need you have: to repay other loans, to consolidate your loans, to repair your car, or to start your own venture.

You can avail the loan for unemployed tenant even if you own a property but are not willing to risk it. The procedure is simple. You have to reach out to the internet. You then fill in the simple FREE application form for available on the website. Based on the information you gave in the form, your loan amount will be decided. Once your other information is approved, you are contacted by the representative of the loan company to discuss further details.

Stewart Dibert has no formal degree in finance, but years of work that he has put in the finance industry makes him perfectly in financial matters. To find Unsecured loans for tenants ,Tenant loans bad credit visit http://www.unsecuredloansfortenants.com

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Euro dream over? Death over debt looms as Greece financial crisis spreads

Greece is on the verge of a precipice - a day after unrest which saw three people killed, the country's Parliament is debating the austerity package which sparked the violence. The situation remains tense and many analysts say it's the high price Greece is having to pay for being part of the Eurozone - a cost now being picked up by the people.



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Loan Modification Program

A loan modification program and you the home owner.

In these unprecedented times many lenders are taking steps to get out of hot water with their own fiscal backers and help not only keep people in their homes but also keep deeds on the up and up where they may have made loans to individuals that had almost no way of paying the debt. For everyone involved this is great news, and if you are in your own pot of hot water that is slowly reaching that rolling boiling point I suggest to you to learn and absorb as much as you can these programs. These programs offered by the underwriters and lenders which own your debt will help you to realize the dream of being up to date on your mortgage without worries about loss of home, health, or employment.

While it may have taken an entire industry collapsing the time to know everything possible about loan modification is now, and simply put it is in your most best interest for all things good for you the home owner to stop stressing and start living. The best first step on this path is to simply pick up the phone and call your lender right this very instant and see if you can qualify directly from your own lender. While their will still be other options should they turn you down, keeping everything under one umbrella will be paramount to your best interest in the long term as the less their is to worry about the better your modification setup will be.

All this being said we can not stress calling your lender today to take advantage of deals that really are to good to be true, after all if they default your loan without a modification then not only do you lose but they are hit for maintenance and upkeep on the home as well as resell taking a loss by up to 50% in this market. That being said you should be able to easily see where a home loan modification program will being your best interest through and through.

Should for some reason you are denied you ought to check out third party programs that will actually buy the toxic asset of a loan and refinance you via a loan modification program. Sometimes this may add years to your loan or interest, but all adversely affect you much less than say a default, or bankruptcy.

So please get on the phone with your lender today and ask them how they can help you.

Learn more about a loan modification today! Get help with mortgage loans and much much more....

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Loan Modifications - Citigroup Adds 1,400 New Employees to Its Loan Mod Department

In an attempt to handle the wave of loan modification applications, Citigroup, the nation's fourth largest loan servicer, has added 1,400 new employees to its staff, reaching a total of 4,000 employees in the loan mod department. This addition to staff is the direct result of pressure by the Obama administration for mortgage players to do more for homeowners facing financial hardship.

For San Diego homeowners, loan modifications are taking anywhere from 60-120 business days for processing. Analysts cite reasons such as the slow pace is the lack of adequate staff and infrastructure by loan servicer companies. "Not only did we invest in substantially more people, but we invested massively in telephone lines and infrastructure" to implement the loan modification program, said Sanjiv Das, chief executive officer of CitiMortgage.

Citigroup's chief executive officer has said foreclosure prevention is among the top priorities for the bank. "[Pandit] basically said that he would invest whatever it took for us to massively ramp up the number of modifications," Das said. "I could walk into his office and could get almost anything I wanted to get this program up and running." In June 2009, the percentage of Citigroup-serviced loans 90 days past due rose to 4.7%, up from 3.9% in March and 2.6% in June 2008, according to a report from Citigroup.

The San Diego real estate market has seen a sharp drop in real estate prices, as well as employment, triggering the need for lower mortgage payments that may be possibly through a loan mod.

Julie Fontaine is the author of "Homeowner's Guide to Avoiding Foreclosure - Strategies & Solutions", and is a business partner in a successful short sale & loan mod company in San Diego, California. On the web you can find us at http://www.619ShortSale.com or Troubled Property Solutions

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* Former IRS Agent and Congressman Ron Paul say Federal Income tax is illegal!

PLEASE RATE, COMMENT, AND SUBSCRIBE!Most Americans HAVE NO CLUE that the Federal Reserve is a PRIVATE, FOR PROFIT CORPORATION! DON'T BELIEVE ME, LOOK IT UP FOR YOURSELF AND DO SOMETHING ABOUT IT! JFK, Ron Paul, Woodrow Wilson, Milton Friedman, Ronald Reagan, and many others have spoken against the horrible Federal Reserve system we now have which is unnecessary because our government can print the money without paying interest to the private for profit Federal Reserve. While our government can print money for free, the people who own the private Federal Reserve have made trillions off of creating the US money. They loan money to the US government at interest, when our government could print it without them for free. JFK tried to get rid of the Federal Reserve by printing United States Notes because he realized that if private super rich bankers own the Federal Reserve and they loan money to the government, they essentially own the government. The Federal Reserve is the MAJOR reason why this country has declined financially! The Federal Reserve can be abolished and the government can do the same thing by printing money with United States Notes instead of the Federal Reserve Notes. This will save the country trillions! Watch documentaries like "Money Masters" or "Freedom to Fascism" for more detailed info on the BIGGEST FINANCIAL SCAM ON THE AMERICAN PEOPLE in History! The Federal Reserve is THE MAJOR REASON why the poor is increasing in numbers and the rich continue to get ...



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