Wednesday, March 31, 2010

Discovery purchases Sarah Palin's reality show

Sarah Palin and producer Mark Burnett are purchasing for buyers for a Sarah Palin reality show, and Discovery network has taken out low interest loans to be the highest bidder. There are no official press releases, but several sources are reporting this Discovery reality show will be an “Alaskan Travelogue” style show. This may also be probably the most expensive project Discovery Networks has taken on, edging out their $25 million “Earth” series.

Sarah Palin’s reality show plans

Sarah Palin is a figure that draws controversy at all sides, so her reality show is certain to bring viewers to Discovery. Reportedly, the reality show on Discovery networks will draw over $1 million per episode for Sarah Palin and her family. This will not be Sarah Palin’s first appearance on Discovery Networks or on reality TV – she had a cameo in a 2008 documentary about the Iditarod race. The Sarah Palin reality show has yet to be named, and a release date has not been set either. The producer of the Sarah Palin reality show say it will be a lot more of a travelogue that “will center on interesting characters, traditions and attractions in the 49th state – with the ex-VP candidate as a guide”.

Sarah Palin and reality TV

Sarah Palin’s relationship with the media has not always been a cozy one. Sarah Palin called the media “intrusive” and “difficult to handle” in her best-selling book “Going Rogue”. Sarah has always been protective of her family, and in previous interviews she has said she did not want a reality show, and instead wanted the media to “leave them alone”. Sarah Palin herself does not shy away from media attention, though – she is now a FOX news commentator. Since bursting onto the scene as a Vice-Presidential candidate, Sarah Palin has gotten more than a few guaranteed payday loans on her celebrity.

Sources:

People Magazine

AFP News

NPR News



Saturday, March 27, 2010

Tiger Woods and the mistress parade are joined by pictures and Devon James

On the “Bubba the Love Sponge” Florida radio program, Devon James, professional companion and porn star, FINALLY spilled all of the details of her two-and-one-half-year affair with Tiger Woods. If you were fortunate enough to be trawling for grease, you may have heard from the program on Radar Online that in 2006 Woods paid Devon James and another woman $ 2,000 for a “two-girl party.” Then there were the explicit texts, a la Tiger’s courtship of Joslyn James. CBS is on top of this mounting action, and makes people wonder whether or not women can be bursting out of the sand traps of Augusta National with even better and a lot more twisted Tiger tales.

Devon James, the things you need to have seen and done

It just seems like it would be wrong not to tell the story of the victimized porn star and escort, if for no other reason than to help her create the steady income she needs to apply for short term installment loans.

But wait… could this actually be a Tiger tale of consenting adults, one blinded by dollar signs and a taut body, the other by what appears to be an addiction? Since that is never an excuse, what Tiger might be addicted to – Medication? Sex in general? Women less attractive than his wife?- he should feel the firestorm that is criticism. Any sympathy was killed off by her convenient times, whether or not Devon James’ situation was wrong.

Tears … making typing … difficult

Devon James deserves some applause for not immediately publishing her Tiger sexts on a classy Web site. Veronica Siwik Daniels – aka Joslyn James – is just letting it fly on line a Shakespearean sonnet for the new generation – challenged. It could be exciting to get frisky in public but the desire to expose it all publicly to prove that the relationship is “hot” speaks of frigid immaturity. Tiger evidently loves them Otter Pops, and he never needs bad credit installment loans to indulge. Fame keeps the fur flying.

Devon, you didn’t do that

Oh yes she did. Her alleged texts from Tiger Woods, according to CBS, are a travel guide to all the slaps, chokes and BDSM playacting that AAA never told you about. Reports also indicate Tiger liked additional than one caddy at a time to help him out of the rough. Who would ever have known that “very sexy and playful” woman like Devon James (words taken from her online service advertisement, says The Huffington Post) would be so great at fining the green.

Tiger will golf, mistresses will try to cash in

The cashing in part, well that’s an entertainment career path. Tell your sons and daughters to not take notes. Be the good parent you are and teach them well. Tiger told the Golf Channel’s Kelly Tilghman he was “living a lie” and was the only one responsible for the sex scandal. Devon James and her pictures are apparently just an innocent link within the chain. Hogwash, Tiger.



Earth Hour: Because change is hard

On Saturday, March 27, 8:30 p.m. local time, the second official Earth Hour will be observed. The official website for Earth Hour suggest that as people turn off their lights during a scheduled time, a blackout “will once again cascade around the globe, from New Zealand to Hawaii.” The Los Angeles Times calls Earth Hour “the world’s largest global climate change initiative.” Earth Hour, says the Times, is a “global call to action . . . a call to stand up and take responsibility.”

Easy Earth Hour

In the most basic sense, Earth hour’s call to action is the least we can do. Taking part in Earth Hour doesn’t mean we have to actually take responsibility for the environment by changing any part of the way we live or use. All we have to do is turn off the lights for an hour.

Borrow money, shop, donate

It won’t price you anything; however, anyone who thinks buying merchandise will stop Global Climate Change can shop for Earth Hour gear on their website. Those who believe it might make better environmental sense to donate cash directly to Earth Hour can do that online, too. At the time of this writing, Earth Hour Gear wasn’t available yet, but contributions are always encouraged, so get your personal loan application started if you need a loan to help you do your part in Earth Hour.

Climate Change in a basic form

According to the Earth Hour web site, the effects of climate change are being felt all over the United States. Alaska’s climate has warmed twice as fast as the mainland United States. Glaciers are retreating while permafrost is thawing, sea ice is reducing, and snowmelt is earlier in the spring. In the Northwestern states, winters are wetter and summers are drier, water supplies are strained and erosion is increasing. In the Southwest, water supplies are becoming very scarce and droughts are being a lot more of a concern.

In the Midwest, downpours are twice as frequent as they were a hundred years ago when lake ice is being reduced. The Northeast has less snow and more rain. In the Southeast there are a lot more huge storm surges, increased rainfall, higher winds, increased air temperatures, and additional hurricanes. The man-made environment is threatened, wetlands are drowning, shorelines are eroding, and sea levels are rising on the coastlines and islands, which are a lot more sensitive to impacts from climate change.

Taking a stance isn’t always too hard

It makes sense to take a stance about global climate change, but taking responsibility for the problem needs a lot more than an annual hour-long blackout routine. Taking a stance also doesn’t mean living in a teepee with no running water or electricity.

A person might ride a bike on occasion rather than driving a car, purchase fewer wasteful and unneeded products, or select foods that require less fossil fuel energy to produce.There’s nothing to cease people from turning off the lights for Earth Hour while making real changes, too; except, of course, that change is hard and flipping a switch is easy.



Friday, March 26, 2010

Getting Insurance for the Pets

Families consider Pets as part of them

There is no doubt that pets are a part from the family these days. Pets give us joy and help us relax as they are a part of our lives. Costs of pet care are in no way less and are increasing at the exact same pace as those for humans. Under the circumstances insurers have come out with insurance for the care of pets as well. What should you know before you purchase insurance for your pets? The tips mentioned below should help you is you are looking at insuring your pet.

Start by Taking Quotes

If you were buying insurance for yourself, you would ask for quotes from the insurer. Apply the exact same rules in this case as well and look to get quotes for your pet. Different insurers will give you different quotes. This opportunity that is available to you can be used to make comparisons before making a final decision.

You should go through the fine Print

Policies to insure pets do not differ from policies that are for property or individuals. These policies can at best be called complicated, as they carry a number of points in fine print. You might be looking at financial losses if you do not understand these points. Therefore make sure that you go through these points. Even if it means spending just a little time reading the document, do so and do not neglect them.

Try and Find Reviews online

Any product that is sold within the market has reviews posted about it over the internet. Do some research by going online. Reviews about the product that you intend to choose for your pet could be available and you are able to be sure about that. As independent users of comparable products are the ones who post these reviews, you can rely on them.

Understand the Claim Process

You are investing cash into an insurance plan in advance for your pet in order to conserve cash later on. In doing so, you would want to stay clear of getting entangled in months of paperwork, if you ever have to make a claim. Ask questions about the claims process by taking a good look at the policy. Assure yourself in every aspect of the claims process before you make the investment.

Discuss it with your Veterinarian

Another person who will know your pet as well while you do is your pets veterinarian. One thing that you might not know is the fact that your veterinarian has more knowledge about the insurance for pets than you. They’ll be able to offer you sound advice about the kind of policy that best suits your pet. Therefore do not forget to have a word with your veterinarian.

Ask the Insurers to include your Veterinarian within the list that is provided

Insurers tend to have their own preferred veterinarians where they direct you in case of any problems with your pet. As you are the one who will pay the cash, there is no reason why you must make a change from the person you trust. Get your veterinarians name included in the list of preferred veterinarians from the insurers by insisting on that. Take your business to a place that can accommodate your requirement, if the insurers disagree with your suggestion. Also look online for the best quotes and keep all of the above points in mind. You should not rely on the word in the pet shop or your veterinarian to purchase the insurance. By looking around, you could get better quotes than what they offer.



How to Maintain Diesel Engines

Diesel Engine Things to Know

If you own a vehicle running on diesel, you should understand some basic requirements that a diesel engine has. It is crucial that these engines have proper maintenance. Not doing so will mean that you will spend more time in a repair shop than on the road. With your vehicle in repairs all the time, your business may also be affected. Doing the following things on your own should help keep your engine in good working order.

Heat the engine

Standard engines are just a little different because the allow you to start up the automobile and hit the gas almost immediately. Diesel engines do not work this way. You’ll not want to put your foot on the pedal after starting the engine just yet. Fully warm up the engine before you get started. It may be necessary to wait a full five minutes. Your engine might seize up otherwise. Because in the cold temps during the winter, be especially sure you do this as the oil thickens faster. If you do not adequately warm up your engine, the oil viscosity will harm it. The oil should be warm and move freely before you start out on your journey.

Keep an Eye on the Diesel

Keep a close watch on the diesel levels in your fuel tank. One important thing you should always do is to never let your tank go dry. The engine can seize up from an air block within the fuel pump. If you do not know how to get started again, you’ll end up in the repair shop, wasting time and cash. Maintain decent levels of diesel your tank.

Allowing the Engine to Overheat is Not Allowed

When you are trying to drive up a steep hill too fast your engine can overheat. Required speed and proper gear use is recommended. Doing this will only expense you a few minutes of your time, but will save a lot of money. Do not continue driving if your engine is overheating. Further damage can be limited on your engine. Leave the engine on. The engine should have a while to idle before being switched off. Let the engine cool off and the steam clear first. When cool, you should be able to touch the radiator cap with bare hands. While waiting, check the temperatures often, and then fill with antifreeze.

Avail These Tips Often

The helpful tips listed above will assist you in keeping your automobile in good condition. These tips should already be habit for you if you have experience. Remember this if you’re new to diesel engines. Spending cash and time at a repair shop may be inside your future if you do not heed these tips.



Thursday, March 25, 2010

Installment Loans Assist Unemployed People Prepare for their Future

Amounts of Unemployment

Installment loans could possibly be a way out for lots of people struggling to survive. The recent financial crisis is claiming several victims and it's not just companies that are suffering. Honest hard working people are finding themselves out of work because in the state in the economy.

Various of these people really want to get back to work but are unable to discover employment. As a result this leaves many families without enough money to survive because of a spouse's income is being stretched to the limit. Unemployment isn't just a problem in America but it's a global problem. Unemployment is increasing in every country all around the world.

Unexpected costs

Applying for a loan is ideal if you lose your job or are suffering from unexpected expenses. There are plenty of reasons why you might need extra cash that you haven't budgeted for. Anyone can experience unexpected expenses for numerous reasons. These causes can include urgent medical care as a result of a serious illness, or to repair your auto that has broken down. Personal loans are quick, easy and stress free way to borrow cash for any reason.

Businesses struggling

You only have to turn on the TV to realize what a mess our economy is in. Almost each day we are told about companies closing and hundreds of jobs being lost. Quite a few large companies have almost gone bankrupt but are bailed out by the government.

Everyone is suffering as a result of the financial crisis with many large companies cutting costs by getting rid of people. This has left many families relying only on one source of income. Installment loans could be the answer that they are looking for and might make it possible for them to relax if it's not possible to survive on your partner's income.

Unemployment Benefits

The benefits that you can receive whenever you are unemployed will depend very much on the state that you live in. New York has recently granted unemployed people an extra 13 weeks of unemployment insurance so that they can continue to survive in these uncertain times. With unemployment set to increase people simply aren't spending any cash which makes the whole situation worse. Your employment benefits might be a welcome assist but is probably not enough to give you every little thing you need.

It's worth finding out exactly what you are able to claim so that you can support your family the best you possibly can. Unemployment benefits aren’t a long term solution however and you will have to make sure that you pick yourself up as quickly as possible. As long as your partner nevertheless has a job then you shouldn't have any problem to borrow cash. This money could possibly be used to create your future by starting a business.

Bettering by yourself

You might be tempted to spend all day sitting at home doing nothing and getting money from unemployment benefits when your partner goes to work each day. This is no way to live because it's not only depressing but it's also not a very large income stream. It can also cause lots of arguments because your partner will feel under much a lot more pressure. A much better solution would be to get out there and search for a job, or to start your own business.

An installment loan could enable you to purchase suits for interviews, put petrol in your auto, or even help you to build up a business from scratch.

Borrowing cash might be the last thing that you would like to do but it could help to show you the way out of your tricky position. If your partner still has a job then you can easily borrow money and get your life back on track, it might also put an end to lots of unnecessary arguments.



Planning a Vacation that will be Stress Free

Preparing Is a Life Need

Anything you do in life needs preparing, whether you prepare for a good education, a good job or any in the other things you ever wanted in life. Think ahead and plan similarly, whenever you prepare to take a vacation. You’ll discover that by doing this, you’ll be able to organize everything you need for trip. Preparing is the key to having a stress free trip. Use in the following tips, will leave you with more time to enjoy a stress free trip.

Prepare a list

Whenever you think about taking a getaway, the first thing you need to do is make a number of lists. Prepare a folder that has the name of the escape on the label. The folder should only be used to keep all travel plans for this vacation. This should contain your flight itineraries, hotel hotels, auto rental guides and all related tourist information. Any list you make must include things to do, things to purchase, or what to bring. You might want to visit people you know in the area, so don't forget to make a list and keep the information handy. You’ll get help in remaining organized by having all this information in one folder.

Prepare Your Clothing

Be sure to pack your clothing appropriately to where you plan on going. Swim suits should be avoided for ski vacations and vice versa. Plan in advance the activities that you would like to take part in, and pick a suitable wardrobe. Any beach vacations planned will require appropriate beach wear. You will need to carry your own towels, if the location you’ve chosen to stay cannot provide them. You cannot do without warm clothing should you be looking forward to spending some time on the slopes skiing. At the exact same time, you will also have to carry proper footwear to suit your activities. Make a note of all items that you intend carrying on a checklist. The objective is to make certain that you don't forget anything.

Kids Essentials

Kids have different requirements than adults have. Let the children make their own list and pack their bags as well. Children will need assistance in choosing things they might need for air or road travel. Always make certain that you can keep them occupied during a journey. In all likelihood they will not feel the after effects from the journey due to this. Make them understand about the type of travel involved and prepare them for the vacation.

Plan Your Approach for the Escape

A lot of people forget to take into consideration their mindset when going on getaway. You and your family are both supposed to be tranquil on the trip that you are about to leave on. Bear in mind your attitude can also affect the family. Therefore, be prepared to relax and let others relax as well. Give the family their due by sparing some quality time for them. Do not let irrelevant things come between you and the happiness of your family. You’re well on your way to having a fantastic vacation. Do just that by putting the rest aside and having fun.



Wednesday, March 24, 2010

Smaller businesses are Scrambling to manage the Estate Tax

Congress is in the midst of debates over the estate tax. Within the mean time, smaller businesses are left to hope that the tax is manageable.

The small company tax

Smaller businesses are having difficulty managing in today's economic climate. The recession was difficult to them and most are nevertheless searching for ways of returning to old ways of operations. The real estate tax debate is not making it easier to manage. Currently, this tax is caught up in the Senate. That makes things difficult for small businesses because they don't know what is going to happen in coming years. Studies are projecting that as numerous as eight times as several businesses could be taxed next year with the estate issue. That elevates concerns for businesses and owners are wondering how they are going to cope.

The key elements from the tax

There are two things affecting the real estate tax. First, the limit on assets that are transferable to the future at tax-free status and second, the rate in the tax are both up for debate. In 2001, Congress increased the exemption from $675,000 to $3.5 million and decreased the tax rate from 55% to 45%. There is a loophole however that rescinds the tax for the coming year and causes it to revert ago to pre-2001 rates. That rate is set at $1 million in exemptions and a tax rate of 55%. In 2009, over 5,500 estates paid death taxes, according to Tax Policy Center in Washington. Of that number, about 10% might be taxed again this year if Congress doesn't make moves to change the tax laws in time. That could put an added stress on small businesses that are already suffering as a result of recession.

Strategies to handle the tax

If the law changes, business owners could be able to rest, but until that happens, the majority are taking pains to prepare for the huge cost. They are already strategizing ways to handle the issue. Some owners are taking out hefty life insurance policies. The goal is to bring enough cash into the company after the owner passes away so the remaining owners won't have to sell the company to afford the estate taxes. Another strategy is for business owners to transfer some assets to their children. There is a gift tax that has a $1 million exclusion and that means married couples can hand down $2 million to their children tax-free. Anything over $1 million per person has a gift-tax rate of 35%. Though that sounds high, it's nevertheless considerably lower than facing the estate tax.

Finally, some business owners are establishing trusts that let them pass tax-free cash to heirs. This would allow business owners to deposit assets into the trust and then pay earlier the owner for a certain number of years. The assets would earn interest and eventually pass tax-free down to children named on the trust. The problem with the strategies though is that they apply to companies with millions of dollars in assets to move around. Most smaller businesses don't qualify for the possibilities above and are left hanging on what Congress is going to do.

Managing the estate tax

Managing the estate tax is proving to be difficult. Small company owners see it as a threat to render their businesses bankrupt if they die. Though there are some ways to handle the issue, it still is causing much concern in the business world. Everyone is hanging on Congress, waiting to see what it will do to help business owners, or hinder them.



Tuesday, March 23, 2010

Joe Biden | Big F-ing deal bomb

Vice President Joe Biden at the World Economic Forum

Joe Biden is well-known for his verbal missteps. Image from Flickr.

Nobody has ever accused Vice President Joe Biden of being the most tightly laced politician. During the press conference where Obama announced the signing of the new health care bill, though, Vice President Joe Biden added his own unique take on the moment by saying "this is a big f-ing deal" to President Obama. I'm sure Joe Biden is wishing now that he'd been able to use instant cash loans to make sure the microphones were off.

Biden drops the F Bomb

After announcing President Obama to the press corps outside the White House, Vice President Biden turned away from the microphone to welcome the President. During a quick hug, Biden said into the President's ear "This is a big F-ing deal!" Biden's F-bomb was captured on every microphone, video camera and camera in the area. Biden almost certainly meant this to be a private moment, but it ended up being quite public. The White House has reacted to Biden's F-bomb with amusement more than anything, with the official U.S. Press Secretary's Twitter account saying "And yes, Mr. Vice President, You're right..."

See Video of Biden's "Big Deal" moment

... click here to read the rest of the article titled "Joe Biden | Big F-ing deal bomb"



Shutting Down Google in China

Google in China may no longer be available, according to a number of on the web news reports. Google had originally decided to censor search results in China in order to meet with the Chinese government’s requirements. Despite differences between Google and China, Google saw an opportunity to get their “foot within the door” to the really large Chinese market encouraged Google to work with the requirements of the government in China. However, on January 12, Google announced a “New approach to China”, a movement that was initiated after multiple cyber attacks occurred on Google, in addition to on Gmail accounts of Chinese human rights activists and advocates.

To find out more click here



Monday, March 22, 2010

Ten money-saving tax reminders

Upper part of 1040 tax form with pencil and pencil shavings lying on itIf you haven't already filed, it's time to get started on your 2009 tax return. These 10 money-saving tips might save you so much on taxes that you can hold off applying for short term installment loans or payday cash advances.

1. Homebuyers

First-time homebuyers may be entitled to a credit of 10 percent of the price, for a maximum credit of $8,000. The homebuyer credit is not limited to first-time buyers. Buyers who owned homes and bought new ones after Nov. 6, 2009, may be entitled to a credit of 10 percent of the purchase price, for a maximum credit of $6,500. Buyers must have lived in their previous homes for five consecutive years in the past eight, must have a house under contract by April 30, 2010, and must close by June 30.

2. Energy-saving improvements

For 2009, homeowners may be entitled to credits worth 30 percent of the amount spent on energy-saving windows, water heaters and other qualified improvements, up to a combined limit of $1,500 for 2009 and 2010. Installation of solar, wind, or geothermal energy systems may entitle homeowners to 30 percent credits with no limits.

3. Vehicles

Sales taxes on purchase prices of to $49,500 for new cars, light trucks, motorcycles, and motor homes purchased after Feb. 16, 2009, can be deducted on 2009 returns. Vehicles purchased through the Cash for Clunkers program are included. Taxpayers do not have to itemize deductions to claim the credit, although in some states, it may sometimes be more advantageous to include sales taxes in itemized deductions. The credit is limited to certain income amounts, and depending on income, some taxpayers may receive only partial credits. ... click here to read the rest of the article titled "Ten money-saving tax reminders"



Sunday, March 21, 2010

Finding 7 Additional Cuts To Make In Your Budget

Finding places to slice corners can be a tough challenge. Here are seven unbelievably easy ways to cut out extra costs.

It can be tough to find extra places in your budget that you could cut out costs. Sure, you feel like you’ve cut out all the fat, but what if you need to save even more money? Should you have already tried to cut out all the extras, try these things to save more every day.

Eat Less Meat

A day or two each week, try taking meat out of your diet. At between $3 and $8 per pound, even reasonably priced meat cuts can add up to a big cost. If you cut out meat, you’re also cutting a big cost out of your weekly budget. You’ll also be giving yourself an chance to try out new foods and new recipes. The attraction of each meal can become the grains, the vegetables, even the fruit.

Shop With Friends

There are numerous discount clubs and bulk-purchasing stores. However, shopping at those stores can fill your storage space quickly. Instead, get a friend that is willing to split the membership fee with you – and shop together. Split the fee and the items in multiple-item packs. This way, you won’t have to store a several-year quantity of canned corn and you can still enjoy the cost savings.

Workout For Even Less

Rather than pay a gym to work out, try out a nearby community college. Enroll in a single-credit fitness class, then take advantage of the student fitness center. Beyond getting you on the habit of exercising, this could save you hundreds of dollars a year.

Add Some Spice To Your Day

At most grocery stores, spices and seasonings are very expensive. The local ethnic grocery store will have spices for much less expensive than $8 an ounce. You can usually buy seasonings in bulk packages, and for less than they come at standard supermarkets. Virtual stores carry bulk packs of spices if you do not have nearby ethnic grocery stores. This is often another place to partner up with friends to share costs.

Dress Yourself Secondhand

You can find clothes that are still very fashionable at second-hand or consignment stores, even if you wear an unusual size. Try going to different areas of town or even looking at the consignment stores when you are traveling. You can also sell clothing at these stores, making extra cash with the items you no longer wear.

Locate a Union

Banks can charge you hundreds, if not thousands of dollars a year in fees. Interested in their bottom line, banks are beholden to their stockholders. Research credit unions as another solution. Credit unions operate instead as not-for-profit businesses, plus they are owned by their members. Credit unions save you money when you bank with them, and you can get a better rate on both credit cards and loans.

Get a Rush

It is possible to usually find rush tickets at most theaters and performance spaces. Right before a performance starts, you can sometimes get some of the less-desirable tickets for half or less of their original price. You will have to plan ahead, and accept sometimes not getting tickets, but you can see pricey shows for much less with tickets.



Friday, March 19, 2010

Past child legend Corey Haim Dead at 38 from probable drug overdose

Kid legend Corey Haim dead at 38. He was discovered unconscious at the Oakwood Apartments around Burbank, California. He was taken to Providence St. Joseph Medical Center in Burbank, where he was pronounced dead at 2:15 a.m. Wednesday. The reason for his passing hasn’t yet been confirmed, but police specialists believe he might have died from a drug overdose.

Read More Here



Recovery for the Economy and Unemployment

Experts feel that the recession is over, nevertheless the question of when businesses start hiring again continues to be unknown.

Forecasts on job development

Many Americans are looking towards the day when jobs are plentiful. Ever since the beginning of the recession employers had to drastically cut their workforce to chop down expenses. Citizens were laid off, hours were cut and salaries were cut. Although there are signs that the economy is on the rise, job development still hasn't shown steady indicators of improving that is certainly concerning legislators.

Economists with the White House are predicting that in spring of 2010 businesses will commence creating permanent work opportunities. President Obama is making job creation a priority on his listing of things to do and attempting to encourage employers to get started on hiring. There are a myriad of tax breaks arriving for businesses that are aggressive with hiring and job creation to the coming 2010 tax year.

The public’s point of view

The President and White House economists know that taxpayers are most concerned with the job market. Specially those who were hurt by layoffs and downsizing are trying to find hefty signs of improvement. Legislators realize that this is a prime concern and it needs to be a priority for them with the 2010 congressional elections coming up. The first signs of good news will be the better-than projected employment record for November of 2009. For the first time in months the jobless rate declined. Lawrence Summers, director of White House National Economic Council said, "I believe that, as do most professional forecasters, by spring, employment growth will start to be turning positive."

November was a good month for analysts who are closely watching jobs. Not only did the jobless rate reduce, but the pace of job losses slowed down too. It showed a significant improvement from numbers studied earlier in the year.

Before Americans celebrate

Americans are cautioned, however, to not read the immediate signs as indicators that change can happen quickly. In fact, most economists are projecting tangible modifications to be visible no sooner than mid-2010. Christina Romer, chairwoman of the White House Council of Economic Advisors, said, "There could be job increases as soon as the first quarter of 2010, but even if payrolls begin to grow, the unemployment rate could go up and down again, before it stabilizes." She added, "The numbers certainly will bounce around. I would anticipate some bumps in the road as we go ahead."

President Obama's call to financial institutions

There’s a problem for the President relating to jobs. Democrats are pushing hard for Congress to back an aggressive job-creation plan that would help build infrastructure spending and send more assistance to cities and states. Summers said, "For next year or two, priority number one-certainly this year-priority number one has to be job creation." President Obama met with top executives from 12 US banks to discuss regulatory reform proposals and how to boost lending to small business owners. His objective would be to empower businesses with funding so they in turn, can begin to create permanent full-time job positions. The President said, "(Banks) have obligations towards the country to reactivate lending after gaining from the government's $700 billion bailout of the financial industry."

The future of employment

No one knows how fast businesses will begin hiring, or whether or not the tax initiatives will work out. Although most analysts believe the recession is over, there is still a question of how healthy smaller businesses are and if they are able to handle the strain of new employees yet. Despite the difficulties, they are going to have to create solutions. Romer added, "What the President has always said, I firmly believe: you are not recovered until all those people that want to work are back to work."



Thursday, March 18, 2010

Cornell student suicides: a troublesome trend

photograph of a deep gorge, like the ones near Cornell University

The gorges that dot Cornell's campus now have guards posted on the bridges. Image from Flickr.

In the last seven months, upstate New York college Cornell University has had six suspected student suicides. For a school that reported no suicides from 2005 to 2008, this recent spate of student deaths is very troubling. Administrators at Cornell are approaching the suicide problem head-on, providing money now for increased student counseling and staff training.

Student suicides at Cornell

As CNN reports, the average suicide rate for college students is about 7.29 suicides per every 100,000 students. Cornell university has about 20,000 students - so statistics indicate the school would have 1 or 2 suicides each year.

During the 1990s, Cornell had eight student suicides in 10 years, which still fell well below the national average. Theories as to why this year has been particularly bad for student suicides at Cornell abound, including the availability of "The Gorges", the copy-cat effect and the general darkness of Ithica during the months of March and April. ... click here to read the rest of the article titled "Cornell student suicides: a troublesome trend"



People with Unsecured Loans Have Options While Students Do Not

a disgruntled looking young man sitting behind a stack of text booksWhile the media focuses on mortgage, auto and unsecured loans, there is a growing group of people who are facing another type of loan: student loans. Recent studies have shown that there is about $730 billion in outstanding student-loan debt. Of that number, only about 40 percent is being repaid on time. The remaining 60 percent is a combination of borrowers who are either deferring payments or defaulting on them. The problem of the former 60 percent is a gro! wing concern in the market. How can this group be motivated to prioritize student loan debt? With a recessionary period still hanging over most Americans, it is a difficult time to demand consumers address their student loans.

The struggle to handle student loans

There is a catch-22 for recent graduates who got their educations for higher-paying careers. Though many targeted law or medicine as their perfect careers, now they are having a hard time finding jobs. Without finding jobs, paying back the higher cost of their education is next to impossible.

There are a growing number of consumers who are falling into this category, and the economy isn't doing much to help. When it comes to other forms of debt, there are some outs to help ease the strain. For example, mortgage payments can be negotiated or properties sold to ease the tension. Credit card debt can be paid off or eliminated in bankruptcy. Car loans can be eliminated via a discharge in bankruptcy, negotiation or payments, or if necessary, selling off the vehicle. Then there are student loans. There really is no such thing as getting rid of student loan debts. They can't be discharged in bankruptcy or negotiated down. The amount can't be touched and neither can the interest rate charged to hold them. That means that consumers are never going to find a way out of paying for their student loans without some legislative changes. ... click here to read the rest of the article titled "People with Unsecured Loans Have Options While Students Do Not"



Tuesday, March 16, 2010

Los Angeles earthquake: 4.4 at 4:04

A magnitude 4.4 earthquake struck just east of downtown Los Angeles today at 4:04 a.m. The epicenter was located in Pico Rivera, between east L.A. and Whittier, at a depth of about 11.7 miles. Millions of Southern Californians were jolted awake by the temblor, but there have been no reports of injuries, damage or power outages.

All is calm

In an Associated Press report, Los Angeles Fire Department Capt. Steve Rudahat said, "All is calm in the city of Los Angeles." Calm may be a dramatic overstatement at any time  in Los Angeles, but the point is well taken: The quake was a small one.

No injuries or damage

Shortly after the earthquake, there were reports of damage to a portion of southbound Interstate 5 south of Downey, although that stretch of road is subject to heavy big-rig traffic. Damage in the same area had been reported yesterday and is believed to be normal wear and tear.  With a little help from money lenders and a few instant cash loans, that stretch of road should be good as new.

Low magnitude jolt extending over a wide area

In the realm of Southern California earthquakes, today's was a small one, but it stretched over a large swath of land. The USGS Earthquake Hazards Program reports a 10-mile radius, spreading from San Bernardino County to Santa Monica.  Reports of the quake came from as far away as Watts, Sun City, West L.A. and Riverside. ... click here to read the rest of the article titled "Los Angeles earthquake: 4.4 at 4:04"



Lyssianasid amphipod forces scientists to rethink definitions

Amphipod in a biosphere

This amphipod is a freshwater cousin of the recently-discovered lyssianasid amphipod. Image from Flickr.

For decades, scientists have worked under the assumption that life, as we know it, is possible only in a very narrow set of circumstances. However, with the recent discovery of the lyssianasid amphipod, a distant cousin of the shrimp you had as an appetizer last weekend, that belief is being quickly broken down. Sure, none of these deep-sea creatures are going to be running a personal loan company anytime soon, but they are already blowing scientists away with their achievements.

What is a lyssianasid amphipod?

The Lyssiansid amphipod is a member of the Lysianassidae family of amphipods. Amphipods include more than 7,000 shrimp-like creatures with exoskeletons - their bones on the outside of their body.

This particular lyssianasid amphipod was captured on video by NASA scientists exploring the underside of Antarctic ice with video cameras. The scientists did not expect to see anything except bacteria in this subfreezing, ultra-dark water - so when this little pink amphipod parked itself on the camera cable, they were truly surprised.

Why is this lyssianasid amphipod special?

With more than 7,000 classified amphipods, what is so special about this lyssianasid amphipod? It's special because it was not expected. For a very long time, scientists assumed that anything above a bacteria could not survive in the extreme environments on the planet. ... click here to read the rest of the article titled "Lyssianasid amphipod forces scientists to rethink definitions"



Sunday, March 14, 2010

Payday Cash is Not the Only Concern When it Comes to Saving

Payday cash is a priority with Americans now that the recession is over. In particular, they are focused on saving money for retirement. The recession taught people that credit isn't a reliable emergency account to rely on in times of trouble. Many credit lenders closed their doors when the recession was at its height and that left consumers to fend for themselves with what little nest eggs they had.

The changing economy and investments

The result of failing credit is people want to put away cash. A recent Gallop poll showed that over 60% of Americans are more focused on saving than spending. That means that people are listening to the news about retirement funds and taking matters into their own hands. Social Security is expected to be gone in upcoming years and people will have to be prepared with their own cash reserves to manage through retirement. Though it is difficult, there are reasonable ways to save, but consumers are cautioned to be aware of things that could eat away at their hard-earned savings. Here are some things to watch for as the economy still shifts to regulate itself.

Federal income taxes

Everyone who has retirement accounts needs to know how funds will be taxed once they tap into the money. Changing rules can quickly diminish savings and leave consumers with considerably less money than they had anticipated. For any consumer who has 401k, SEP plans or IRAs, they need to be aware of the tax ramifications. Experts caution that consumers should consider putting money into tax-free vehicles like Roth IRAs and Roth 401k accounts. Tax-exempt bonds or capital assets like stocks, mutual funds and real estate are also good options that hold up well to any changes in the federal tax rate. ... click here to read the rest of the article titled "Payday Cash is Not the Only Concern When it Comes to Saving"



Saturday, March 13, 2010

A huge issue for Americans is gun control, and currently a case of whether Chicagoans should have the right to carry handguns is creating a brouhaha. The Supreme Court is getting involved and people are wondering which states are open carry states, because as OpenCarry.org says, “a right unexercised is a right lost.” It is not easy to convince everyone of this, or of the value of guaranteed loans.

What states are on the open carry states list?

Complete open carry is prohibited by only six states. The following states are listed as “Gold Star” for open carry by OpenCarry.org. This means that "generally preempted open carry is permitted on foot and in vehicles without a license; localities are generally preempted.”

  • Alaska
  • Montana
  • Idaho
  • Wyoming
  • South Dakota
  • Nevada
  • Arizona
  • New Mexico
  • Vermont
  • Kentucky
  • Virginia
  • North Carolina

These states are open carry states, but with some restrictions

  • Utah
  • North Dakota
  • Minnesota
  • Iowa
  • Tennessee
  • Mississippi
  • Georgia
  • Indiana
  • Maryland
  • New Jersey
  • Rhode Island
  • Connecticut
  • Massachusetts

Some other states allow open carry, but only in certain instances. For instance, California allows open carry, but only in rural, non-incorporated areas. Here is an open carry states map for more information.

Starbucks weighs in

You wouldn't normally associate the nation’s most popular coffee house with open carry states or gun control, but Starbucks has become involved the debate over where people can carry guns, even though it has been against the company’s will. Patrons have entered Starbucks with guns strapped to their hips, which understandably made other customers nervous. Starbucks, as a matter of policy, adheres to and respects state laws, but has the right to determine if they wish to allow firearms in their stores as a matter of policy. Money lenders or any other business will say the same.

Starbucks gun policy is something CEO Howard Schultz would rather not have to worry about, but The Brady Campaign to Prevent Gun Violence is demanding that Starbucks “offer espresso shots, not gunshots.” The coffeemaker's Seattle office received a petition with 28,000 signatures on Wednesday.

Neither side of the gun control issue is giving ground

This is exactly what one should expect when issues like individual liberty and personal safety are involved. Open carry states will likely remain so, but businesses tend to respond to special interest groups, particularly if they get corporate sponsors on their side. Thus, don’t count on being able to carry a holstered gun into your local Starbucks anytime soon, even if you live in an unrestricted state.



Thursday, March 11, 2010

Cash Now is being Focused on Paying Down Debt

Consumers are delaying saving cash now and that's creating potential problems for the future. New studies are showing that for the third year in a row, people are forgoing retirement saving. According to the Employee Benefit Research Institute's annual Retirement Confidence Survey, the percentage of workers who have less than $10,000 in savings has grown to 43%. That number is up from 39% one year ago. In addition, workers who have less than $1,000 in savings have grown to 27% from 20% last year.

Saving habits have changed

Studies are showing that the economic downturn changed consumers' savings habits. The hefty unemployment rate and the lack of credit options worked together to create a difficult situation for consumers. Adding to that problem were the mortgage issues and the suspension of corporate 401k matches. Combined, all these things caused Americans to have to tap into savings and that move left them with diminished nest eggs for the future.

The result of a decline in savings

The decline in savings is set to make some serious changes in the future of Americans. First of all, without a nest egg squared away, many people are already accepting the need to postpone retirement. No longer are workers looking to exit the workforce in their mid-60s. In today's world, they are looking for a much longer work-life that extends well into their 70s. A growing number of Americans say they will continue in the workforce for as long as they are able. ... click here to read the rest of the article titled "Cash Now is being Focused on Paying Down Debt"