The Finance Blog

Archive for the ‘freedom debt management’ Category

That’s for all of those who claim he hasn’t done anything

Amendments, that have all passed:

S.Amdt.159 to S.Con.Res.18 – To prevent and, if necessary, respond to an international outbreak of the avian flu.

S.Amdt.390 to H.R.1268 – To provide meal and telephone benefits for members of the Armed Forces who are recuperating from injuries incurred on active duty in Operation Iraqi Freedom or Operation Enduring Freedom.

S.Amdt.670 to H.R.3 – To provide for Flexible Fuel Vehicle (FFV) refueling capability at new and existing refueling station facilities to promote energy security and reduction of greenhouse gas emissions.

S.Amdt.808 to H.R.6 – To establish a program to develop Fischer-Tropsch transportation fuels from Illinois basin coal.

S.Amdt.851 to H.R.6 – To require the Secretary to establish a Joint Flexible Fuel/Hybrid Vehicle Commercialization Initiative, and for other purposes.

S.Amdt.1362 to S.1042 – To require a report on the Department of Defense Composite Health Care System II.

S.Amdt.1453 to S.1402 – To ensure the protection of military and civilian personnel in the Department of Defense from an influenza pandemic, including an avian influenza pandemic.

S.Amdt.2301 to H.R.3010 – To increase funds to the Thurgood Marshall Legal Educational Opportunity Program and to the Office of Special Education Programs of the Department of Education for the purposes of expanding positive behavioral interventions and supports.

S.Amdt.2605 to S.2020 – Expressing the sense of the Senate that the Federal Emergency Management Agency should immediately address issues relating to no-bid contracting.

S.Amdt.2930 to S.2349 – To clarify that availability of legislation does not include nonbusiness days.
S.Amdt.3144 to S.Con.Res.83 – To provide a $40 million increase in FY 2007 for the Homeless Veterans Reintegration Program and to improve job services for hard-to-place veterans

S. Amdt 41 to S. 1 To require lobbyists to disclose the candidates, leadership PACs, or political parties for whom they collect or arrange contributions, and the aggregate amount of the contributions collected or arranged.

First legislation, the HOPE Act, which increased Pell Grants to $5100, and later joined Senator Kennedy on the Higher Education legislation that passed July 20, by a vote of 78-18. That legislation also included funding for Predominantly Black Colleges to assist with counseling, tutoring and other needs of low income students. It also creates the Teaching Residency Act which will create a school-based teacher preparation program in high needs schools to provide each teacher with a mentor, content instruction, classroom management skills, a master’s degree and state certification, and a 2 year follow-up program.

The Coburn-Obama Government Transparency Act of 2006
is an act that requires the full disclosure of all entities or organizations receiving federal funds beginning in fiscal year (FY) 2007 on a website maintained by the Office of Management and Budget.

The Lugar-Obama Nuclear Non-proliferation and Conventional Weapons Threat Reduction Act
Authored by U.S. Sens. Dick Lugar (R-IN) and Barack Obama (D-IL), the Lugar-Obama initiative expands U.S. cooperation to destroy conventional weapons. It also expands the State Department’s ability to detect and interdict weapons and materials of mass destruction.
Signed into Law on January 11, 2007.

The 2007 Government Ethics Bill

The “Democratic Republic of the Congo Relief, Security, and Democracy Promotion Act.

Summer Learning demonstration project to provide summer learning grants and encourage new teaching methods

Obama’s Global Poverty Act of 2007, passed out of committee just a few days ago
WASHINGTON, D.C. – U.S. Senators Barack Obama (D-IL), Chuck Hagel (R-NE), and Maria Cantwell (D-WA) and Congressman Adam Smith (D-WA) today hailed the Senate Foreign Relations Committee’s passage of the Global Poverty Act (S.2433), which requires the President to develop and implement a comprehensive policy to cut extreme global poverty in half by 2015 through aid, trade, debt relief, and coordination with the international community, businesses and NGOs. This legislation was introduced in December. Smith and Congressman Spencer Bachus (R-AL) sponsored the House version of the bill (H.R. 1302), which passed the House last September.
I only wrote a few of the ones that have actually passed
Now what has Sarah palin done?
No, thothose are in the US senate, not the IL state Senate
by the way i posted the bill numbers so you can go check them
No Darling, not exagerated, just took a while to research, which not too many people are willing to do
sorry but the research was not from the DNC it was from the Senate
no, the ones I wrote have all passed, there is more, but I got tired of writing

Meanwhile Palin was smoking weed(she admitted this) while being Ms. Wasilla. Yeah I know. Obama!!!!!!

The best way to get out of debt is stop using credit cards and plan a spending budget. Eliminate debt with tips from a consumer credit counselor in this free video on personal finance management.

Expert: Maria Enomoto
Contact: www.gotdebt.org
Bio: Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California.
Filmmaker: Bing Hu

Duration : 0:2:41

Read the rest of this entry »

Technorati Tags: bankruptcy, business debt, business loans, credit, credit card, debt, finances, government aid, grants, loans, money, scholarships

(Visit http://www.FreedomDebtRelief.com for more debt help information and client reviews.) Andrew shares his experience as client of Freedom Debt Relief. In his review of the company, he describes the how Freedom Debt Relief’s program and their incredible customer service allowed him to pay off 9 separate credit card accounts. The result: he was debt free in 2 1/2 years and saved over $9,000 in the process! He also explains how his success with Freedom Debt Relief differed from his previous attempts to pay off his debts using Credit Counseling agencies.

Duration : 0:8:18

Read the rest of this entry »

Technorati Tags: credit card debt, debt consolidation, debt help, debt settlement, Freedom Debt Relief Review

1.41
(2 pts.)88. The government of Ruritania has implemented many programs that promote equality, but has become concerned about the very slow rate of growth that has plagued the national economy for many years. In order to address this problem, the government is likely to:

A. make sure to balance its budget.
B. avoid the use of fiscal policies and reduce the supply of money in circulation.
C. reduce taxes and cut back on some social programs.
D. take control of more major industries.
# 1.42
(2 pts.)162. When WorldCom used intentional accounting irregularities to make the company look more profitable than it actually was, it:

A. was engaging in illegal behavior.
B. was acting in an acceptable business manner.
C. was executing its responsibility to its owners.
D. provided its stockholders profit through a tax-loophole.
# 1.43
(2 pts.)101. A major benefit of socialism is assumed to be its:

A. ability to stimulate rapid economic growth.
B. emphasis on social equality.
C. emphasis on low tax rates.
D. ability to create strong incentives to work hard.
# 1.44
(2 pts.)60. Which of the following statements about US government deficit spending is most accurate?

A. The federal government violates the law by running deficits because the U.S. Constitution requires the government to balance its budget each year.
B. One reason the government has a hard time reducing deficits is that there is a great deal of pressure on the government to expand its spending each year.
C. The government has used deficit spending to lower the national debt.
D. Although the government used to run big deficits, it has consistently run surpluses since the late 1980s.
# 1.45
(2 pts.)232. Businesses can best meet their responsibility to society by:

A. shifting the blame for product liability cases onto the legal system.
B. creating wealth for their stockholders.
C. creating markets for domestic products.
D. supporting their preferred government officials.
# 1.46
(2 pts.)230.Patrick has a business in a building which he owns. Patrick is able to maintain ownership of these items under the right to:

A. private property.
B. freedom of competition.
C. eminent domain.
D. freedom of choice.
# 1.47
(2 pts.)246. Traders in the 18th century were encouraged to focus on selling their nation’s goods in the global market to create a favorable balance of trade. Nations attempted to sell more goods to other nations than they bought from other nations. This approach to global trading is called:

A. protectionism.
B. ethnocentrism.
C. mercantilism.
D. isolationism.
# 1.48
(2 pts.)220. Jorge Martinez is a hard working entrepreneur who operated a successful business in his home country of Margintina for many years. Recently, however, he immigrated to the United States and applied for U.S. citizenship. "In Margintina, tax rates were very high," Jorge complained. "The government used the taxes I paid to finance all sorts of social programs to help the less fortunate. While this is a noble goal, it has really undermined the profit incentive of individuals such as me. I really feel that these high taxes have stifled economic growth." Jorge’s comments illustrate the reason many socialist countries are experiencing a(n):

A. brain drain.
B. budget surplus.
C. antitrust problem.
D. depression.
# 1.49
(2 pts.)179. Which of the following is a characteristic of an effective ethics officer?

A. (S)he communicates primarily via email.
B. (S)he has a background in human resource management.
C. (S)he is exceptionally organized.
D. (S)he has a capacity to serve as a counselor and an investigator.
# 1.50
(2 pts.)61. __________ is characterized by a large number of firms selling products that appear to be identical.

A. Perfect competition
B. Microeconomic competition
C. Monopolistic competition
D. Oligopoly

mmm its much to read dude.

http://www.freedomdebtrelief.com/ is an innovative solution for consumers struggling with large debt burdens and who need debt relief. Freedom Debt Relief uses debt negotiation with a goal of dramatically lowering your debt levels.

Duration : 0:8:18

Read the rest of this entry »

Technorati Tags: debt help, debt negotiation, debt problems, debt relief, debt settlement, freedom debt, freedom debt relief, freedom debt reviews, freedom debt solutions

Learn about the pros and cons about the various debt consolidation options and see why Freedom Debt Relief has the best option to tackle your debt problem.

Duration : 0:5:25

Read the rest of this entry »

Technorati Tags: bankruptcy, credit counseling, debt consolidation, debt help, debt relief

Hi, i recently agreed to a 24 month contract with freedom fidelity who is formerly known as freedom financial management. I have been sued now by one of my creditors but when i contacted them they said if i follow there directions they can get the court to possibly default and possibly settle with the creditor. I was recently told that the company I am working with is a scam, but i’m not sure what i should do. What they tell me sounds legit, and say that after the 2 years they will be able to settle and wipe away my debt. Now I did research and apparently there have been 38 complaints filed at the BBB site. but all the complaints were people who pulled out really early and has serious issues that I haven’t faced with the company. Freedom Fidelity has been pretty kind to me about the whole situation which is completely different from what everyone makes them out to be. What I want to know is if you guys think this company sounds really fishy and if i should pull out? Also with what they have told me, is it possible for a company to get me out of $14000 debt for only $7000. Is this just a scam to get my money or are there really companies out there who use this system in helping people out of debt.

I can’t really speak to Freedom Fidelity specifically, but I can answer your question generally with regard to debt settlement companies. Yes, there are some legitimate debt settlement companies who help people get out of debt for a percentage of what they owe. But they can’t make any guarantees. I often get asked the question "which debt settlement company should I choose?" And I’ll always answer "NONE OF THEM"… but not for the reasons that most people offer. I’ll advise you not choose a debt settlement company because – even if you find a high-integrity, ethical debt settlement company – there is a far superior alternative: DEBT RESOLUTION. The concepts are similar, but Debt Resolution provides benefits that debt settlement can not offer, at a lower cost. I only have room for a limited explanation, but here are some of the key (very important) differences between debt settlement and debt resolution.

Basically, debt settlement companies act as a collection agencies for the credit card companies. They get involved before the creditor refers the account to an outside agency, collect a bundle of money from the borrower over time, take their hefty fees, and offer the balance to the creditor as a settlement. They are PRIVATE COMPANIES offering a service. They do not and can not represent the borrower.

Debt resolution, alternatively, is an attorney-managed process whereby an attorney negotiates with the creditor on the borrower’s behalf. This is a legal transaction that only an attorney can perform, and results in a settled mitigation. There are some critical advantages to this.

Key differences between debt settlement and debt resolution:

PERFORMANCE GUARANTEE – Debt settlement companies cannot guarantee a settlement amount. Debt Resolution guarantees settlement at 45% of the original debt (which also includes the attorney fees). Also, with Debt Resolution, no additional fees will be requested if the debt increases after the agreement is signed, which is very important because once credit card payments get behind, fees and rate hikes get applied to the account, significantly increasing the balance. Debt settlement companies may take advantage of this by charging fees on the balance when the account is settled, not the original balance. And since plans may take several years to complete, balances (and the corresponding fees) can increase dramatically.

TAX CONSEQUENCES – Debt settlement companies generally don’t point out to borrowers that when a creditor agrees to settle, they generally send the borrower an IRS Form 1099 for the amount written-off. This means that if the borrower has $50,000 in unsecured debt, and the creditor accepts 60%, or $30,000 as a settlement, they will send the borrower a Form 1099 which shows that $20,000 write-off as income to the borrower. Even though the borrower did’t receive any actual cash from the creditor, they may still have to pay tax on $20,000 of additional income. With the attorney-managed Debt Resolution program, the resolved amount is a legal agreement between the parties, and since no cash was provided to the borrower in the form of actual income from the creditor, THERE ARE NO TAX CONSEQUENCES.

CREDITOR HARASSMENT – Debt settlement companies can’t represent a borrower, so they can’t really stop harassing phone calls from collection agents. They may explain that the borrower is in a debt settlement program, but that could potentially backfire and cause the creditor to accelerate their collection efforts, or even file a lawsuit. The attorney–managed Debt Resolution system leverages good faith debt laws to protect consumer rights. Once the creditor receives the first letter from the attorney, they are prohibited by law from pursuing collection efforts against a consumer who withholds payments due to a good faith billing dispute. If the creditor still communicates with the borrower, the borrower should notify the attorney, who will inform the creditor why they have no right to pursue further collection efforts.

FEES AND ALLOCATION OF PAYMENTS – Debt Resolution is, in most cases, significantly less expensive than debt settlement… and the fee structure is completely transparent. The Debt Resolution administration and processing is just 5% of the total contracted debt (compared to 10-15% or more that most debt settlement companies charge). And that 5% is based on the balances on the contract date, not the settlement date – so increasing balances will NOT result in increased fees. Debt Resolution also has a one-time $500 enrollment fee to establish the paperwork and accounts, and compensate the attorney for efforts to cease collection calls, etc… Some debt settlement companies don’t charge an upfront fee to enroll, but they “front-load” their monthly payments with fees – a majority of the payment for the first several months goes toward company fees rather than into the borrower’s settlement account (so they still get their money

I am graduating with a BS in finance next week with a decent GPA. I plan on accepting a job offer with a well known investment firm and moving to the other side of the country. I am worried that I may not succeed in this career. Should I wait to pursue an MBA degree or MS in finance and take this position, or should I turn down the offer and get the MBA now, considering the economy?
It is a very good offer, the firm will pay for me to get my securities licenses and pay a base salary over $32,000, with comissions and good chance of a goodnight from a senior financial advisor to pick up some clients.
This position is not my dream position, and is sort of a career move, but I feel that the income potential and freedom of this career are very enticing. I also would be prohibited from leaving the firm for 3 years, but I am only 22 and I have no debt/student loans to worry about. I feel that I can make enough to get by for the time being and leave this job if I decide that it isn’t for me.

The financial advisor career can be very rewarding, so if I am successful I would continue in this career. I would like to eventually move into the management of the firm after completing MBA courses.
to got it: i do understand this is a sales position. however rather than cold calls I will be making face to face contacts (door to door). this is a tried and true method, although not everyone succeeds. I think it is more about work ethic than anything else.
to Rowan: I am not sure but almost certain that this is true. I have heard that this firm (edward jones) has a reputation for pursuing advisors who leave within three years for fees associated with training/licensing which can be over $75,000. This is to discourage advisors from "using" them to obtain licenses then moving to another firm.

Go for it. It is a great way to get your foot in the door and gain experience until you can get a better job.

There is no shame in working your way through jobs to get you closer to your dream job and they cannot legally make you stay in the job for three years, don’t let them try that one on you (get legal advice if they try to make you sign a contract stating that you can’t leave). You may have to sign an agreement though that you do not leave and take your/their clients with you when you go which is fair and reasonable.

It may not be the job of your dreams but it is a good leg-up while you are searching for it.

Nationally syndicated radio host Dave Burke and the Real Talk Network, www.gorealtalk.com, are on a crusade to keep families safe and pay off your debt honorably. Pay off your credit cards in weeks, pay off your auto loans in months and pay off your mortgage in 5-7 years. We create a personalized financial plan with advanced financial techniques, coaching, and information banks dont want you to know about. We empower America in our Debt Elimination workshops in California, Colorado, New York, Illinois, Arizona, Nevada, New Jersey, and more. Call 877-33-GORTN or log on to www.gortn.com to register for a financial freedom workshop.

Duration : 0:1:33

Read the rest of this entry »

Technorati Tags: debt, debts, education, elimination, Finance, financial, freedom, management, mortgages, pay, planning, workshops, your

-seperate legal entity status
-Limitations
-Liability for Corporate Debt
-Management and control
-Formalities
-Duration
-Constitutional Protection
-Freedom of Speech
-Right to Counsel

If not, then what is Corporate function?

thanks

it is something the corporation sponsors like a party or raffle by suppling funds or other things